<SEC-DOCUMENT>0001839882-25-066077.txt : 20251118
<SEC-HEADER>0001839882-25-066077.hdr.sgml : 20251118
<ACCEPTANCE-DATETIME>20251118145104
ACCESSION NUMBER:		0001839882-25-066077
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		18
FILED AS OF DATE:		20251118
DATE AS OF CHANGE:		20251118

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:		251494015

	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:		251494016

	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>ms11767_424b2-38439.htm
<DESCRIPTION>PRICING SUPPLEMENT NO. 11,767
<TEXT>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 27.72pt 39.60pt 0 39.60pt; min-height: 81.57pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; line-height: 8.0pt; text-align: right; margin-top: 0; margin-left: -19.8pt; "><FONT style="font-size: 7.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #808080; "><font style='white-space: pre-wrap;'>November 2025</font></FONT></P>
                <P style="line-height: 8.0pt; text-align: right; margin-top: 0; margin-bottom: 0; margin-left: -19.8pt; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; color: #808080; "><font style='white-space: pre-wrap;'>Pricing Supplement No. 11,767</font></FONT></P>
                <P style="line-height: 8.0pt; text-align: right; margin-top: 0; margin-bottom: 0; margin-left: -19.8pt; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; color: #808080; "><font style='white-space: pre-wrap;'>Registration Statement Nos. 333-275587; 333-275587-01</font></FONT></P>
                <P style="line-height: 8.0pt; text-align: right; margin-top: 0; margin-bottom: 0; margin-left: -19.8pt; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; color: #808080; "><font style='white-space: pre-wrap;'>Dated November 14, 2025</font></FONT></P>
                <P style="line-height: 8.0pt; text-align: right; margin-top: 0; margin-bottom: 0; margin-left: -19.8pt; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; color: #808080; "><font style='white-space: pre-wrap;'>Filed pursuant to Rule 424(b)(2)</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; margin-left: -19.8pt; "><FONT style="font-family: Arial, sans-serif; text-transform: none; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="text-transform: none; font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; text-transform: none; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; margin-left: -19.8pt; "><FONT style="font-size: 13.0pt; font-family: Arial, sans-serif; text-transform: uppercase; color: #296DC1; "><font style='white-space: pre-wrap;'>Structured Investments</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; margin-left: -19.8pt; "><FONT style="font-size: 10.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Opportunities in International Equities</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0; margin-bottom: 0; margin-left: -19.8pt; "><FONT style="font-family: Arial, sans-serif; font-size: 11.5pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9pt; vertical-align: super; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 11.5pt; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9pt; vertical-align: super; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 11.5pt; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9pt; vertical-align: super; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 11.5pt; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9pt; vertical-align: super; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 11.5pt; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; margin-top: 0; margin-left: -19.8pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; color: #808080; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7pt; vertical-align: super; color: #808080; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; margin-top: 0; margin-left: -19.8pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; color: #808080; "><font style='white-space: pre-wrap;'>Fully and Unconditionally Guaranteed by Morgan Stanley</font></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; margin-top: 0; margin-left: -19.8pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 1.1pt; line-height: 7.0pt; margin-left: -19.8pt; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'>The Trigger PLUS are unsecured obligations of Morgan Stanley</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'>Finance LLC (&#8220;MSFL&#8221;) and are fully and unconditionally guaranteed by Morgan Stanley.  The Trigger PLUS will pay no interest, do not guarantee any return of principal at maturity and have the terms described in the accompanying product supplement for PLUS, index supplement and prospectus, as supplemented or modified by this document.  At maturity, if the basket has </font></FONT><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'>appreciated</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'> in value, investors will receive the stated principal amount of their investment plus leveraged upside performance of the basket.  If the basket has </font></FONT><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'>remained unchanged or depreciated</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'> in value but the final basket value is greater than or equal to the trigger level, investors will receive the stated principal amount of their investment.  However, if the basket has </font></FONT><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'>depreciated</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'> in value so that the final basket value is less than the trigger level, investors will lose a significant portion or all of their investment, resulting in a 1% loss for every 1% decline in the basket value over the term of the Trigger PLUS.  Under these circumstances, the payment at maturity will be less than 80% of the principal amount and could be zero. Accordingly, you may lose your entire investment.  The</font></FONT><FONT style="color: black; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Trigger PLUS are for investors who seek an equity-based return and who are willing to risk their principal and forgo current income in exchange </font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'>for the upside leverage feature and the limited protection against loss that applies only if the final basket value is greater than or equal to the trigger level.  I</font></FONT><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'>nvestors may lose their entire initial investment in the Trigger PLUS</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'>.  The Trigger PLUS are notes issued as part of MSFL&#8217;s Series A Global Medium-Term Notes program.  </font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 1.1pt; line-height: 7.0pt; margin-left: -19.8pt; "><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; color: #000000; "><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 Trigger PLUS are not secured obligations and you will not have any security interest in, or otherwise have any access to, any underlying reference asset or assets. </font></FONT><FONT style="font-weight: bold; font-size: 7.5pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'> </font></FONT></P>
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                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 7.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; font-weight: bold; color: #FFFFFF; "><font style='white-space: pre-wrap;'>FINAL TERMS</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #296DC1; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 7.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Issuer:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Guarantor:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
                        </TD>
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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: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Maturity date:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>December 5, 2028</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Original issue price: </font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$1,000 per Trigger PLUS </font></FONT></P>
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                        </TD>
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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: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Stated principal amount:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$1,000 per Trigger PLUS</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Pricing date:</font></FONT></P>
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                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>November 14, 2025</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Original issue date:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>November 19, 2025 (3 business days after the pricing date)</font></FONT></P>
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                        </TD>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Aggregate principal amount:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$6,704,000</font></FONT></P>
                        </TD>
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                        </TD>
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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: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Interest:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>None</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: bottom">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Basket:</font></FONT></P>
                        </TD>
                        <TD COLSPAN="4" STYLE="padding: 0pt 5.94pt; text-align: center; vertical-align: bottom">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt"><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><BR><font style='white-space: pre-wrap;'>Basket component</font></FONT></P>
                        </TD>
                        <TD STYLE="padding: 0pt 5.94pt; text-align: center; vertical-align: bottom">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; margin-left: -4.73pt"><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Bloomberg </font><BR><font style='white-space: pre-wrap;'>ticker symbol</font></FONT></P>
                        </TD>
                        <TD STYLE="padding: 0pt 5.94pt; text-align: center; vertical-align: bottom">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; margin-left: -5.39pt"><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Basket component weighting</font></FONT></P>
                        </TD>
                        <TD COLSPAN="2" STYLE="padding: 0pt 5.94pt; text-align: center; vertical-align: bottom">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; margin-left: -5.39pt"><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Initial basket component value</font></FONT></P>
                        </TD>
                        <TD COLSPAN="2" STYLE="padding: 0pt 5.94pt; text-align: center; vertical-align: bottom">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; margin-left: -4.73pt"><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><BR><font style='white-space: pre-wrap;'>Multiplier</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 59.4pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; font-weight: normal; color: #296DC1; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD COLSPAN="4" STYLE="text-align: left; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>S&amp;P</font></FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>/ASX 200 Index (the &#8220;AS51 Index&#8221;)</font></FONT></P>
                        </TD>
                        <TD STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>AS51</font></FONT></P>
                        </TD>
                        <TD STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7.50%</font></FONT></P>
                        </TD>
                        <TD COLSPAN="2" STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; max-width: 24.97pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,634.522</font></FONT></P>
                        </TD>
                        <TD COLSPAN="2" STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>0.000868606</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 59.4pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; font-weight: normal; color: #296DC1; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD COLSPAN="4" STYLE="text-align: left; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>FTSE</font></FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> 100 Index (the &#8220;UKX Index&#8221;)</font></FONT></P>
                        </TD>
                        <TD STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>UKX</font></FONT></P>
                        </TD>
                        <TD STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>17.50%</font></FONT></P>
                        </TD>
                        <TD COLSPAN="2" STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; max-width: 24.97pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9,698.37</font></FONT></P>
                        </TD>
                        <TD COLSPAN="2" STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>0.001804427</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 59.4pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; font-weight: normal; color: #296DC1; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD COLSPAN="4" STYLE="text-align: left; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Swiss Market Index</font></FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> (the &#8220;SMI Index&#8221;)</font></FONT></P>
                        </TD>
                        <TD STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>SMI</font></FONT></P>
                        </TD>
                        <TD STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10.00%</font></FONT></P>
                        </TD>
                        <TD COLSPAN="2" STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; max-width: 24.97pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,634.30</font></FONT></P>
                        </TD>
                        <TD COLSPAN="2" STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>0.000791496</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 59.4pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; font-weight: normal; color: #296DC1; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD COLSPAN="4" STYLE="text-align: left; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>EURO STOXX 50</font></FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index (the &#8220;SX5E Index&#8221;)</font></FONT></P>
                        </TD>
                        <TD STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>SX5E</font></FONT></P>
                        </TD>
                        <TD STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>40.00%</font></FONT></P>
                        </TD>
                        <TD COLSPAN="2" STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; max-width: 24.97pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,693.77</font></FONT></P>
                        </TD>
                        <TD COLSPAN="2" STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>0.007025222</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 59.4pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; font-weight: normal; color: #296DC1; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD COLSPAN="4" STYLE="text-align: left; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; text-indent: -5.17pt; padding-left: 5.17pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Tokyo Stock Price Index (the &#8220;TPX Index&#8221;)</font></FONT></P>
                        </TD>
                        <TD STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>TPX</font></FONT></P>
                        </TD>
                        <TD STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>25.00%</font></FONT></P>
                        </TD>
                        <TD COLSPAN="2" STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; max-width: 24.97pt"><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,359.81</font></FONT></P>
                        </TD>
                        <TD COLSPAN="2" STYLE="text-align: center; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>0.007440897</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 59.4pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; font-weight: normal; color: #296DC1; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD COLSPAN="9" STYLE="text-align: left; padding: 0pt 5.94pt; vertical-align: bottom">
                            <P STYLE="margin-top: 0pt; margin-bottom: 0pt; line-height: 7.5pt"><FONT style="font-style: italic; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>We refer to each of the AS51 Index, the UKX Index, the SMI Index, the SX5E Index and the TPX Index as an underlying index and, together, as the underlying indices.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 11.99pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Payment at maturity</font><BR><font style='white-space: pre-wrap;'>(per Trigger PLUS):</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 2.2pt; line-height: 7.5pt; margin-left: 14.25pt; text-indent: -10.29pt; "><!--[if IE]<FONT style="display: inline-block; width: 10.29pt; text-indent: -10.29pt; "><![endif]--><FONT style="display: inline-block; width: 10.29pt; text-indent: 0; text-align: left; font-size: 7.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the final basket value is greater than the initial basket value: $1,000 + the leveraged upside payment </font></FONT></FONT></P>
                        </TD>
                        <TD>
                        </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: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 7.5pt; margin-left: 14.25pt; text-indent: -10.29pt; "><!--[if IE]<FONT style="display: inline-block; width: 10.29pt; text-indent: -10.29pt; "><![endif]--><FONT style="display: inline-block; width: 10.29pt; text-indent: 0; text-align: left; font-size: 7.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the final basket value is less than or equal to the initial basket value but is greater than or equal to the trigger level: $1,000</font></FONT></FONT></P>
                        </TD>
                        <TD>
                        </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: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 2.2pt; line-height: 7.5pt; margin-left: 14.25pt; text-indent: -10.29pt; "><!--[if IE]<FONT style="display: inline-block; width: 10.29pt; text-indent: -10.29pt; "><![endif]--><FONT style="display: inline-block; width: 10.29pt; text-indent: 0; text-align: left; font-size: 7.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the final basket value is less than the trigger level: $1,000 &#215; the basket performance factor</font></FONT></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 3.96pt; "><FONT style="font-style: italic; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Under these circumstances, the payment at maturity will be less than the stated principal amount of $1,000 and will represent a loss of more than 20%, and possibly all, of your investment.</font></FONT></P>
                        </TD>
                        <TD>
                        </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; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Leveraged upside payment:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$1,000 &#215; leverage factor &#215; basket percent increase</font></FONT></P>
                        </TD>
                        <TD>
                        </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: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Leverage factor: </font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>147.75%</font></FONT></P>
                        </TD>
                        <TD>
                        </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; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Basket percent increase:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>(final basket value &#8211; initial basket value) / initial basket value</font></FONT></P>
                        </TD>
                        <TD>
                        </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: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Basket performance factor:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>final basket value / initial basket value</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger level:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>80, which is 80% of the initial basket value</font></FONT></P>
                        </TD>
                        <TD>
                        </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: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Initial basket value:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>100, which is equal to the sum of the products of the initial basket component value of each basket component, as set forth under &#8220;Basket&#8212;Initial basket component value&#8221; above, and the applicable multiplier for such basket component, each of which was determined on the pricing date.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Final basket value:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The basket closing value on the valuation date.</font></FONT></P>
                        </TD>
                        <TD>
                        </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: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Valuation date:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>November 30, 2028, subject to postponement for non-index business days and certain market disruption events.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Basket closing value:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The basket closing value on any day is the sum of the products of the basket component closing value of each basket component and the applicable multiplier for such basket component on such date.</font></FONT></P>
                        </TD>
                        <TD>
                        </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: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Basket component closing value: </font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>In the case of each underlying index, the index closing value as published by the index publisher.  </font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Multiplier:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The multiplier was set on the pricing date based on each basket component&#8217;s respective initial basket component value so that each basket component represents its applicable basket component weighting in the predetermined initial basket value.  Each multiplier will remain constant for the term of the Trigger PLUS.  See &#8220;Basket&#8212;Multiplier&#8221; above.</font></FONT></P>
                        </TD>
                        <TD>
                        </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: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Listing:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Trigger PLUS will not be listed on any securities exchange. </font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>CUSIP / ISIN:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>61779TCJ4 / US61779TCJ43</font></FONT></P>
                        </TD>
                        <TD>
                        </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: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Agent:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC (&#8220;MS &amp; Co.&#8221;), an affiliate of MSFL and a wholly owned subsidiary of Morgan Stanley.  See &#8220;Supplemental information regarding plan of distribution; conflicts of interest.&#8221;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: left; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Estimated value on the pricing date:</font></FONT></P>
                        </TD>
                        <TD colspan="8" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: justify; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$956.40 per Trigger PLUS.  See &#8220;Investment Summary&#8221; beginning on page 2. </font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; background-color: #DCEBF4; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Commissions and issue price:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: center; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Price to public</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: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: center; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Agent&#8217;s commissions and fees</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: center; "><FONT style="font-size: 7.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Proceeds to us</font></FONT><FONT style="font-size: 5pt; vertical-align: super; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>(3)</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; background-color: #DCEBF4; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 59.4pt; "><FONT style="font-weight: bold; font-size: 7.5pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Per Trigger PLUS</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="line-height: 7.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT></P>
                        </TD>
                        <TD colspan="4" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="line-height: 7.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$25</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>(1)</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="line-height: 7.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$970</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; background-color: #DCEBF4; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 59.4pt; "><FONT style="font-weight: bold; font-size: 7.5pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="line-height: 7.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</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: #DEEAF6; ">
                            <P style="line-height: 7.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$5</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>(2)</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="line-height: 7.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; background-color: #DCEBF4; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 0.0pt; "><FONT style="font-weight: bold; font-size: 7.5pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Total</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: center; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$6,704,000</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: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: center; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$201,120</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.5pt; text-align: center; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$6,502,880</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0.0pt; line-height: 7.0pt; text-indent: -19.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>(1)</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; width: 11.88pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Selected dealers, including Morgan Stanley Wealth Management (an affiliate of the agent), and their financial advisors will collectively receive from the agent, MS &amp; Co., a fixed sales commission of $25 for each Trigger PLUS they sell.  See &#8220;Supplemental information regarding plan of distribution; conflicts of interest.&#8221;  For additional information, see &#8220;Plan of Distribution (Conflicts of Interest)&#8221; in the accompanying product supplement for PLUS.</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 7.0pt; text-indent: -19.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>(2)</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; width: 11.88pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Reflects a structuring fee payable to Morgan Stanley Wealth Management by the agent or its affiliates of $5 for each Trigger PLUS.</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 7.0pt; text-indent: -19.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>(3)</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; width: 11.88pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>See &#8220;Use of proceeds and hedging&#8221; on page 20.  </font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 7.0pt; padding-left: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The Trigger PLUS involve risks not associated with an investment in ordinary debt securities.  See &#8220;Risk Factors&#8221; beginning on page 5.</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 7.0pt; padding-left: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The Securities and Exchange Commission and state securities regulators have not approved or disapproved these securities, or determined if this document or the accompanying product supplement, index supplement and prospectus is truthful or complete.  Any representation to the contrary is a criminal offense.</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 7.0pt; padding-left: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The Trigger PLUS are not deposits or savings accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency or instrumentality, nor are they obligations of, or guaranteed by, a bank. </font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 7.0pt; padding-left: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>You should read this document together with the related product supplement, index supplement and prospectus, each of which can be accessed via the hyperlinks below.  When you read the accompanying product supplement and index supplement, please note that all references in such supplements to the prospectus dated November 16, 2023, or to any sections therein, should refer instead to the accompanying prospectus dated April 12, 2024 or to the corresponding sections of such prospectus, as applicable.  Please also see &#8220;Additional Terms of the Trigger PLUS&#8221; and &#8220;Additional Information About the Trigger PLUS&#8221; at the end of this document.</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 7.0pt; padding-left: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>As used in this document, &#8220;we,&#8221; &#8220;us&#8221; and &#8220;our&#8221; refer to Morgan Stanley or MSFL, or Morgan Stanley and MSFL collectively, as the context requires.</font></FONT></P>
                <P style="margin-top: 2.2pt; line-height: 6.0pt; text-align: center; margin-bottom: 0; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010323016342/dp202698_424b2-epsplus.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; color: #296DC1; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Product Supplement for PLUS dated November 16, 2023</font></U></FONT></A><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; text-decoration: none; display: inline-block; color: #296DC1; "><font style='white-space: pre-wrap;'>     &#8203;</font></FONT><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010323016332/dp202718_424b2-isn2023.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; color: #296DC1; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'> Index Supplement dated November 16, 2023</font></U></FONT></A><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; text-decoration: none; display: inline-block; color: #296DC1; "><font style='white-space: pre-wrap;'>      &#8203;</font></FONT><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010324005205/dp209505_424b2-base.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; color: #296DC1; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Prospectus dated April 12, 2024</font></U></FONT></A></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 10.00pt 39.60pt; min-height: 23.76pt; position: relative; ">
            </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: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Investment Summary</font></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 8.8pt; line-height: 13.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 8.8pt; line-height: 13.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</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;'>The Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="vertical-align: super; font-size: 7pt; 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;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="vertical-align: super; font-size: 7pt; 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;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="vertical-align: super; font-size: 7pt; 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;'>, the EURO STOXX 50</font></FONT><FONT style="vertical-align: super; font-size: 7pt; 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 and the Tokyo Stock Price Index due December 5, 2028 (the &#8220;Trigger PLUS&#8221;) can be used:</font></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 1.25; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>As an alternative to direct exposure to the basket that enhances returns for any positive performance of the basket</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 1.25; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>To enhance returns and potentially outperform the basket in a bullish scenario, with no limitation on the appreciation potential</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 1.25; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>To provide limited protection against a loss of principal in the event of a decline in the value of the basket as of the valuation date, but only if the final basket value is greater than or equal to the trigger level</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 5.0pt; text-indent: 0.0pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <TABLE width="504.52pt" style="margin-left: 39.99pt; width: 504.52pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="162.97pt" style="width: 162.97pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="341.55pt" style="width: 341.55pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Maturity:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 10.0pt; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Approximately 3 years</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Leverage factor:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 10.0pt; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>147.75%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger level:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 10.0pt; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>80% of the initial basket value</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Minimum payment at maturity:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 10.0pt; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>None.  Investors may lose their entire initial investment in the Trigger PLUS.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Basket component weightings:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 10.0pt; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7.50% for the AS51 Index, 17.50% for the UKX Index, 10.00% for the SMI Index, 40.00% for the SX5E Index and 25.00% for the TPX Index </font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Interest:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 10.0pt; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>None</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <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;'>&nbsp;</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;'>The original issue price of each Trigger PLUS is $1,000.  This price includes costs associated with issuing, selling, structuring and hedging the Trigger PLUS, which are borne by you, and, consequently, the estimated value of the Trigger PLUS on the pricing date is less than $1,000.  We estimate that the value of each Trigger PLUS on the pricing date is $956.40.</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;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 11.0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; color: black; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>What goes into the estimated value on the pricing date?</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 valuing the Trigger PLUS on the pricing date, we take into account that the Trigger PLUS comprise both a debt component and a performance-based component linked to the basket components.  The estimated value of the Trigger PLUS is determined using our own pricing and valuation models, market inputs and assumptions relating to the basket components, instruments based on the basket components, volatility and other factors including current and expected interest rates, as well as an interest rate related to our secondary market credit spread, which is the implied interest rate at which our conventional fixed rate debt trades in the secondary market.</font></FONT></P>
                <P style="margin-top: 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;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 11.0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; color: black; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>What determines the economic terms of the Trigger PLUS?</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 determining the economic terms of the Trigger PLUS, including the leverage factor and the trigger level, 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 Trigger PLUS would be more favorable to you.</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;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 11.0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; color: black; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>What is the relationship between the estimated value on the pricing date and the secondary market price of the Trigger PLUS?</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;'>The price at which MS &amp; Co. purchases the Trigger PLUS in the secondary market, absent changes in market conditions, including those related to the basket components, may vary from, and be lower than, the estimated value on the pricing date, because the secondary market price takes into account our secondary market credit spread as well as the bid-offer spread that MS &amp; Co. would charge in a secondary market transaction of this type and other factors.  However, because the costs associated with issuing, selling, structuring and hedging the Trigger PLUS are not fully deducted upon issuance, for a period of up to 6 months following the issue date, to the extent that MS &amp; Co. may buy or sell the Trigger PLUS in the secondary market, absent changes in market conditions, including those related to the basket components, and to our secondary market credit spreads, it would do so based on values higher than the estimated value.  We expect that those higher values will also be reflected in your brokerage account statements.</font></FONT></P>
                <P style="margin-top: 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;'>&nbsp;</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;'>MS &amp; Co. may, but is not obligated to, make a market in the Trigger PLUS and, if it once chooses to make a market, may cease doing so at any time.</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>2</FONT></FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 4.4pt; margin-bottom: 8.8pt; line-height: 13.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Key Investment Rationale</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 1.1pt; line-height: 1.2; padding-left: 0.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'>The Trigger PLUS offer leveraged exposure to any positive performance of the basket.  In exchange for the leverage feature, investors are exposed to the risk of loss of a significant portion or all of their investment due to the trigger feature.  At maturity, an investor will receive an amount in cash based upon the value of the basket on the valuation date.  The Trigger PLUS are unsecured obligations of ours, and all payments on the Trigger PLUS are subject to our credit risk.  </font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'>Investors may lose their entire initial investment in the Trigger PLUS.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #000000; "><font style='white-space: pre-wrap;'> </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;'>&nbsp;</font></FONT></P>
                <TABLE width="559.96pt" style="margin-left: 0.0pt; width: 559.96pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="21.38%" style="width: 21.38%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="88.62%" style="width: 88.62%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-bottom:  1.50pt solid #FFFFFF; border-top:  1.50pt solid #FFFFFF; border-left:  1.50pt solid #FFFFFF; border-right:  1.50pt solid #FFFFFF; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Leveraged Performance</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-left:  1.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 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;'>The Trigger PLUS offer investors an opportunity to capture enhanced returns for any positive performance relative to a direct investment in the basket.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-bottom:  1.50pt solid #FFFFFF; border-top:  1.50pt solid #FFFFFF; border-left:  1.50pt solid #FFFFFF; border-right:  1.50pt solid #FFFFFF; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger Feature</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-left:  1.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 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;'>At maturity, even if the basket has declined in value over the term of the Trigger PLUS, you will receive your stated principal amount, but only if the final basket value is greater than or equal to the trigger level.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-bottom:  1.50pt solid #FFFFFF; border-top:  1.50pt solid #FFFFFF; border-left:  1.50pt solid #FFFFFF; border-right:  1.50pt solid #FFFFFF; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Upside Scenario</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-left:  1.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 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;'>The basket increases in value, and, at maturity, the Trigger PLUS redeem for the stated principal amount of $1,000 plus 147.75% of the basket percent increase.</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;'>For example, if the final basket value is 10% greater than the initial basket value, the Trigger PLUS will provide a total return of 14.775% at maturity.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-bottom:  1.50pt solid #FFFFFF; border-top:  1.50pt solid #FFFFFF; border-left:  1.50pt solid #FFFFFF; border-right:  1.50pt solid #FFFFFF; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Par Scenario</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-left:  1.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 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;'>The final basket value is less than or equal to the initial basket value but is greater than or equal to the trigger level.  In this case, you receive the stated principal amount of $1,000 at maturity even though the basket has declined in value.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-bottom:  1.50pt solid #FFFFFF; border-top:  1.50pt solid #FFFFFF; border-left:  1.50pt solid #FFFFFF; border-right:  1.50pt solid #FFFFFF; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Downside Scenario</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-left:  1.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 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;'>The final basket value is less than the trigger level.  In this case, the Trigger PLUS redeem for at least 20% less than the stated principal amount, and this decrease will be by an amount proportionate to the full decline in the value of the basket over the term of the Trigger PLUS. Under these circumstances, the payment at maturity will be less than 80% of the stated principal amount and could be zero.  There is no minimum payment at maturity on the Trigger PLUS, and you could lose your entire investment. </font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>3</FONT></FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 13.2pt; margin-bottom: 8.8pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>How the Trigger PLUS Work</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 13.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Payoff Diagram</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;'>The payoff diagram below illustrates the payment at maturity on the Trigger PLUS based on the following terms:</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;'>&nbsp;</font></FONT></P>
                <TABLE width="550.44pt" style="margin-left: 9.899999999999999pt; width: 550.44pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="237.60pt" style="width: 237.60pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="312.84pt" style="width: 312.84pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Stated principal amount:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$1,000 per Trigger PLUS</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Leverage factor:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>147.75%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger level:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>80% of the initial basket value</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Minimum payment at maturity:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>None</font></FONT></P>
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                <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 4.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <TABLE width="423.39pt" style="margin-left: auto; width: 423.39pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                        </TD>
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                    <TR style="vertical-align: top; min-height: 19.86pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 10.0pt; "><FONT style="font-size: 9.5pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Payoff Diagram </font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.5pt; "><FONT style="width: 411.18pt; height: 315.48pt; ">                                        <IMG width="411.18pt" height="315.48pt" src="image1.gif" style="width: 411.18pt; height: 315.48pt; ">
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                <P style="margin-top: 5.5pt; line-height: 13.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>How it works</font></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 9.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Upside Scenario. </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> If the final basket value is greater than the initial basket value, investors will receive the $1,000 stated principal amount plus 147.75% of the appreciation of the basket over the term of the Trigger PLUS.</font></FONT></FONT></P>
                <P style="margin-top: 5.28pt; line-height: 9.0pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the basket appreciates 10%, investors would receive a 14.775% return, or $1,147.75 per Trigger PLUS.</font></FONT></FONT></P>
                <P style="margin-top: 5.28pt; line-height: 9.0pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Par Scenario.  </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the final basket value is less than or equal to the initial basket value but is greater than or equal to the trigger level, investors will receive the $1,000 stated principal amount.</font></FONT></FONT></P>
                <P style="margin-top: 5.28pt; line-height: 9.0pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the basket depreciates 5%, investors will receive the $1,000 stated principal amount.</font></FONT></FONT></P>
                <P style="margin-top: 5.28pt; line-height: 9.0pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Downside Scenario.  </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the final basket value is less than the trigger level, investors will receive an amount that is significantly less than the $1,000 stated principal amount, based on a 1% loss of principal for each 1% decline in the basket value.  </font></FONT></FONT></P>
                <P style="margin-top: 5.28pt; line-height: 9.0pt; margin-bottom: 0; margin-left: 49.50pt; text-indent: -23.76pt; "><!--[if IE]<FONT style="display: inline-block; width: 23.76pt; text-indent: -23.76pt; "><![endif]--><FONT style="display: inline-block; width: 23.76pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the basket depreciates 60%, investors will lose 60% of their principal and receive only $400 per Trigger PLUS at maturity, or 40% of the stated principal amount.</font></FONT></FONT></P>
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            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>4</FONT></FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 13.2pt; margin-bottom: 8.8pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Risk Factors</font></FONT></P>
                <P style="margin-top: 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;'>This section describes the material risks relating to the Trigger PLUS.  For further discussion of these and other risks, you should read the section entitled &#8220;Risk Factors&#8221; in the accompanying product supplement for PLUS, index supplement and prospectus.  We also urge you to consult your investment, legal, tax, accounting and other advisers in connection with your investment in the Trigger PLUS.</font></FONT></P>
                <P style="margin-top: 13.2pt; margin-bottom: 8.8pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 12.0pt; text-decoration-style: solid; text-decoration-line: underline; color: #296DC1; "><U><font style='white-space: pre-wrap;'>Risks Relating to an Investment in the Trigger PLUS</font></U></FONT></P>
                <P style="margin-top: 4.4pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-weight: bold; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Trigger PLUS do not pay interest or guarantee return of any principal.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>  The terms of the Trigger PLUS differ from those of ordinary debt securities in that the Trigger PLUS do not pay interest or guarantee the payment of any of the principal amount at maturity.  If the final basket value is less than the trigger level (which is 80% of the initial basket value), the payment at maturity will be an amount in cash that is at least 20% less than the $1,000 stated principal amount of each Trigger PLUS, and this decrease will be by an amount proportionate to the full amount of the decline in the value of the basket over the term of the Trigger PLUS, without any buffer.  There is no minimum payment at maturity on the Trigger PLUS, and you could lose your entire investment.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The market price of the Trigger PLUS will be influenced by many unpredictable factors.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>  Several factors, many of which are beyond our control, will influence the value of the Trigger PLUS in the secondary market and the price at which MS &amp; Co. may be willing to purchase or sell the Trigger PLUS in the secondary market, including: the value, volatility (frequency and magnitude of changes in value) and dividend yield of the basket components, interest and yield rates, time remaining to maturity, geopolitical conditions and economic, financial, political and regulatory or judicial events that affect the basket components or equities markets generally and which may affect the final basket value, and any actual or anticipated changes to our credit ratings or credit spreads.  The values of the basket components may be, and have recently been, volatile, and we can give you no assurance that the volatility will lessen.  See &#8220;Basket Overview&#8221; below. You may receive less, and possibly significantly less, than the stated principal amount per Trigger PLUS if you try to sell your Trigger PLUS prior to maturity. </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Trigger PLUS are subject to our credit risk, and any actual or anticipated changes to our credit ratings or credit spreads may adversely affect the market value of the Trigger PLUS.  </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You are dependent on our ability to pay all amounts due on the Trigger PLUS at maturity and therefore you are subject to our credit risk. If we default on our obligations under the Trigger PLUS, your investment would be at risk and you could lose some or all of your investment.  As a result, the market value of the Trigger PLUS prior to maturity will be affected by changes in the market&#8217;s view of our creditworthiness.  Any actual or anticipated decline in our credit ratings or increase in the credit spreads charged by the market for taking our credit risk is likely to adversely affect the market value of the Trigger PLUS.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>As a finance subsidiary, MSFL has no independent operations and will have no independent assets. </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>As a finance subsidiary, MSFL has no independent operations beyond the issuance and administration of its securities and will have no independent assets available for distributions to holders of MSFL securities if they make claims in respect of such securities in a bankruptcy, resolution or similar proceeding.  Accordingly, any recoveries by such holders will be limited to those available under the related guarantee by Morgan Stanley and that guarantee will rank </font></FONT><FONT style="font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>pari passu</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> with all other unsecured, unsubordinated obligations of Morgan Stanley.  Holders will have recourse only to a single claim against Morgan Stanley and its assets under the guarantee.  Holders of securities issued by MSFL should accordingly assume that in any such proceedings they would not have any priority over and should be treated </font></FONT><FONT style="font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>pari passu</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> with the claims of other unsecured, unsubordinated creditors of Morgan Stanley, including holders of Morgan Stanley-issued securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>The amount payable on the Trigger PLUS is not linked to the value of the basket at any time other than the valuation date. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>The final basket value will be based on the basket closing value on the valuation date, subject to postponement for non-index business days and certain market disruption events.  Even if the value of the basket appreciates prior to the valuation date but then drops by the valuation date, the payment at maturity may be less, and may be significantly less, than it would have been had the payment at maturity been linked to the value of the basket prior to such drop.  Although the actual value of the basket on the stated maturity date or at other times during the term of the Trigger PLUS may be higher than the basket closing value on the valuation date, the payment at maturity will be based solely on the basket closing value on the valuation date.</font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-weight: bold; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Investing in the Trigger PLUS is not equivalent to investing in the basket components. </font></FONT><FONT style="font-weight: normal; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Investing in the Trigger PLUS is not equivalent to investing directly in the basket components or any of the component stocks of the basket components.  As an investor in the Trigger PLUS, you will not have voting rights or rights to receive dividends or other distributions or any other rights with respect to the basket components or any of the component stocks of the basket components.</font></FONT></FONT></P>
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            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>5</FONT></FONT></P>
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            <DIV style="width: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The rate we are willing to pay for securities of this type, maturity and issuance size is likely to be lower than the rate implied by our secondary market credit spreads and advantageous to us.  Both the lower rate and the inclusion of costs associated with issuing, selling, structuring and hedging the Trigger PLUS in the original issue price reduce the economic terms of the Trigger PLUS, cause the estimated value of the Trigger PLUS to be less than the original issue price and will adversely affect secondary market prices.  </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Assuming no change in market conditions or any other relevant factors, the prices, if any, at which dealers, including MS &amp; Co., may be willing to purchase the Trigger PLUS in secondary market transactions will likely be significantly lower than the original issue price, because secondary market prices will exclude the issuing, selling, structuring and hedging-related costs that are included in the original issue price and borne by you and because the secondary market prices will reflect our secondary market credit spreads and the bid-offer spread that any dealer would charge in a secondary market transaction of this type as well as other factors.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-left: 19.80pt; text-indent: 0pt; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The inclusion of the costs of issuing, selling, structuring and hedging the Trigger PLUS in the original issue price and the lower rate we are willing to pay as issuer make the economic terms of the Trigger PLUS less favorable to you than they otherwise would be.</font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-left: 19.80pt; text-indent: 0pt; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>However, because the costs associated with issuing, selling, structuring and hedging the Trigger PLUS are not fully deducted upon issuance, for a period of up to 6 months following the issue date, to the extent that MS &amp; Co. may buy or sell the Trigger PLUS in the secondary market, absent changes in market conditions, including those related to the basket components, and to our secondary market credit spreads, it would do so based on values higher than the estimated value, and we expect that those higher values will also be reflected in your brokerage account statements.</font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The estimated value of the Trigger PLUS is determined by reference to our pricing and valuation models, which may differ from those of other dealers and is not a maximum or minimum secondary market price.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>  These pricing and valuation models are proprietary and rely in part on subjective views of certain market inputs and certain assumptions about future events, which may prove to be incorrect.  As a result, because there is no market-standard way to value these types of securities, our models may yield a higher estimated value of the Trigger PLUS than those generated by others, including other dealers in the market, if they attempted to value the Trigger PLUS.  In addition, the estimated value on the pricing date does not represent a minimum or maximum price at which dealers, including MS &amp; Co., would be willing to purchase your Trigger PLUS in the secondary market (if any exists) at any time.  The value of your Trigger PLUS at any time after the date of this document will vary based on many factors that cannot be predicted with accuracy, including our creditworthiness and changes in market conditions.  See also &#8220;The market price of the Trigger PLUS will be influenced by many unpredictable factors&#8221; above.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Trigger PLUS will not be listed on any securities exchange and secondary trading may be limited.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>  The Trigger PLUS will not be listed on any securities exchange.  Therefore, there may be little or no secondary market for the Trigger PLUS.  MS &amp; Co. may, but is not obligated to, make a market in the Trigger PLUS 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 Trigger PLUS, 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 Trigger PLUS.  Even if there is a secondary market, it may not provide enough liquidity to allow you to trade or sell the Trigger PLUS easily.  </font></FONT><FONT style="font-weight: normal; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Since other broker-dealers may not participate significantly in the secondary market for the Trigger PLUS, the price at which you may be able to trade your Trigger PLUS is likely to depend on the price, if any, at which MS &amp; Co. is willing to transact.  If, at any time, MS &amp; Co. were to cease making a market in the Trigger PLUS, it is likely that there would be no secondary market for the Trigger PLUS.  </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Accordingly, you should be willing to hold your Trigger PLUS to maturity.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The calculation agent, which is a subsidiary of Morgan Stanley and an affiliate of MSFL, will make determinations with respect to the Trigger PLUS.  </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>As calculation agent, MS &amp; Co. will determine the initial basket component values, the multipliers and the final basket value, including whether the basket has decreased in value to below the trigger level, and will calculate the basket percent increase or the basket performance factor, as applicable, and the amount of cash, if any, you will receive at maturity.  Moreover, certain determinations made by MS &amp; Co., in its capacity as calculation agent, may require it to exercise discretion and make subjective judgments, such as with respect to the occurrence or non-occurrence of market disruption events and the selection of a successor index or calculation of the basket component closing value in the event of a discontinuance of the relevant basket component.  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;Description of PLUS&#8212;Postponement of Valuation Date(s),&#8221; &#8212;Calculation Agent and Calculations&#8221; and related definitions in the accompanying product supplement.  In addition, MS &amp; Co. has determined the estimated value of the Trigger PLUS on the pricing date.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Hedging and trading activity by our affiliates could potentially adversely affect the value of the Trigger PLUS.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>  One or more of our affiliates and/or third-party dealers expect to carry out hedging activities related to the Trigger PLUS (and to other instruments linked to the underlying indices or component stocks of </font></FONT><FONT style="font-weight: normal; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the underlying indices)</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>, including trading </font></FONT></FONT></P>
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            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>6</FONT></FONT></P>
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            <DIV style="width: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; "><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>in the stocks that constitute </font></FONT><FONT style="font-weight: normal; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the underlying indices </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>as well as in other instruments related to the basket components.  As a result, these entities may be unwinding or adjusting hedge positions during the term of the Trigger PLUS, and the hedging strategy may involve greater and more frequent dynamic adjustments to the hedge as the valuation date approaches.  Some of our affiliates also trade the stocks that constitute </font></FONT><FONT style="font-weight: normal; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the underlying indices </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>and other financial instruments related to the underlying indices on a regular basis as part of their general broker-dealer and other businesses.  Any of these hedging or trading activities on or prior to the pricing date could potentially increase the initial basket component values, and, therefore, could increase the values at or above which the basket components must close on the valuation date so that investors do not suffer a significant loss on their initial investment in the Trigger PLUS.  Additionally, such hedging or trading activities during the term of the Trigger PLUS, including on the valuation date, could potentially affect whether the basket closing value on the valuation date is below the trigger level, and, therefore, whether an investor would receive significantly less than the stated principal amount of the Trigger PLUS at maturity.</font></FONT></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The U.S. federal income tax consequences of an investment in the Trigger PLUS are uncertain.  </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Please read the discussion under &#8220;Additional Information&#8212;Tax considerations&#8221; in this document and the discussion under &#8220;United States Federal Taxation&#8221; in the accompanying product supplement for PLUS</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;'>(together, the &#8220;Tax Disclosure Sections&#8221;) concerning the U.S. federal income tax consequences of an investment in the Trigger PLUS.  There is no direct legal authority regarding the proper U.S. federal tax treatment of the Trigger PLUS, and we do not plan to request a ruling from the Internal Revenue Service (the &#8220;IRS&#8221;).  Consequently, significant aspects of the tax treatment of the Trigger PLUS are uncertain, and the IRS or a court might not agree with the tax treatment of a Trigger PLUS as a single financial contract that is an &#8220;open transaction&#8221; for U.S. federal income tax purposes.  If the IRS were successful in asserting an alternative treatment of the Trigger PLUS, the tax consequences of the ownership and disposition of the Trigger PLUS, including the timing and character of income recognized by U.S. Holders and the withholding tax consequences to Non-U.S. Holders, might be materially and adversely affected.  Moreover, future legislation, Treasury regulations or IRS guidance could adversely affect the U.S. federal tax treatment of the Trigger PLUS, possibly retroactively.  </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-left: 19.80pt; text-indent: 0pt; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Both U.S. and Non-U.S. Holders should consult their tax advisers regarding the U.S. federal income tax consequences of an investment in the Trigger PLUS, including possible alternative treatments, as well as any tax consequences arising under the laws of any state, local or non-U.S. taxing jurisdiction.</font></FONT></P>
                <P style="margin-top: 13.2pt; margin-bottom: 8.8pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 12.0pt; text-decoration-style: solid; text-decoration-line: underline; color: #296DC1; "><U><font style='white-space: pre-wrap;'>Risks Relating to the Basket Components</font></U></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Changes in the value of the basket components may offset each other.  </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Value movements in the basket components may not correlate with each other.  At a time when the values of one or more basket components increase, the values of the other basket components may not increase as much, or may even decline.  Therefore, in calculating the basket components&#8217; performance on the valuation date, increases in the values of one or more basket components may be moderated, or wholly offset, by lesser increases or declines in the values of other basket components.</font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>  </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>There are risks associated with investments in securities linked to the value of foreign equity securities. </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Trigger PLUS are linked to the value of foreign equity securities. Investments in securities linked to the value of foreign equity securities involve risks associated with the securities markets in those countries, including risks of volatility in those markets, governmental intervention in those markets and cross-shareholdings in companies in certain countries. Also, there is generally less publicly available information about foreign companies than about U.S. companies that are subject to the reporting requirements of the United States Securities and Exchange Commission, and foreign companies are subject to accounting, auditing and financial reporting standards and requirements different from those applicable to U.S. reporting companies. The prices of securities issued in foreign markets may be affected by political, economic, financial and social factors in those countries, or global regions, including changes in government, economic and fiscal policies and currency exchange laws. Local securities markets may trade a small number of securities and may be unable to respond effectively to increases in trading volume, potentially making prompt liquidation of holdings difficult or impossible at times. Moreover, the economies in such countries may differ favorably or unfavorably from the economy in the United States in such respects as growth of gross national product, rate of inflation, capital reinvestment, resources, self-sufficiency and balance of payment positions between countries.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The basket components are not equally weighted</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>. The Trigger PLUS are linked to a basket of five basket components, and the basket components have significantly different weights in determining the value of the basket. The same percentage change in each of the basket components would therefore have different effects on the basket closing value because of the unequal weighting. For example, if the weighting of one basket component is greater than the weighting of another basket component, a 5% decrease in the value of the basket component with the greater weighting will have a greater impact on the basket closing value than a 5% increase in the value of the basket component with the lesser weighting.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Governmental regulatory actions, such as sanctions, could adversely affect your investment in the Trigger PLUS.  </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Governmental regulatory actions, including, without limitation, sanctions-related actions by the U.S. or a foreign government, could prohibit or otherwise restrict persons from holding the Trigger PLUS or the component securities of the </font></FONT></FONT></P>
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            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>7</FONT></FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; "><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>underlying indices, or engaging in transactions therein, and any such action could adversely affect the value of the underlying indices or the Trigger PLUS.  These regulatory actions could result in restrictions on the Trigger PLUS and could result in the loss of a significant portion or all of your initial investment in the Trigger PLUS, including if you are forced to divest the Trigger PLUS due to the government mandates, especially if such divestment must be made at a time when the value of the Trigger PLUS has declined.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Adjustments to the underlying indices could adversely affect the value of the Trigger PLUS.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>  The publisher of each underlying index may add, delete or substitute the stocks constituting such underlying index or make other methodological changes that could change the value of such underlying index. The publisher of each underlying index may discontinue or suspend calculation or publication of such underlying index at any time.  In these circumstances, the calculation agent will have the sole discretion to substitute a successor index that is comparable to the discontinued underlying index and will be permitted to consider indices that are calculated and published by the calculation agent or any of its affiliates. If the calculation agent determines that there is no appropriate successor index for such index, the payment at maturity on the Trigger PLUS will be an amount based on the closing prices on the valuation date of the securities constituting such underlying index at the time of such discontinuance, without rebalancing or substitution, computed by the calculation agent in accordance with the formula for calculating such underlying index last in effect prior to discontinuance of such index.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Past performance is not indicative of future performance. </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The actual performance of the basket components over the term of the Trigger PLUS, as well as the amount payable at maturity, may bear little relation to the historical closing values or to the hypothetical payoff examples set forth herein. We cannot predict the future performance of the basket components.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-indent: 0.0pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>8</FONT></FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 26.4pt; margin-bottom: 11.0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Basket Overview</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;'>The basket consists of the S&amp;P</font></FONT><FONT style="vertical-align: super; font-size: 7pt; 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;'>/ASX 200 Index (the &#8220;AS51 Index&#8221;), the FTSE</font></FONT><FONT style="vertical-align: super; font-size: 7pt; 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;'> 100 Index (the &#8220;UKX Index&#8221;), the Swiss Market Index</font></FONT><FONT style="vertical-align: super; font-size: 7pt; 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;'> (the &#8220;SMI Index&#8221;), the EURO STOXX 50</font></FONT><FONT style="vertical-align: super; font-size: 7pt; 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 (the &#8220;SX5E Index&#8221;) and the Tokyo Stock Price Index (the &#8220;TPX Index&#8221;) and offers exposure to price movements in international equity markets.  </font></FONT></P>
                <P style="margin-bottom: 11.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-weight: bold; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-bottom: 11.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-weight: bold; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>S&amp;P</font></FONT><FONT style="font-weight: bold; color: #296DC1; 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; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>/ASX 200 Index</font></FONT></P>
                <P style="margin-bottom: 11.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>The S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>/ASX 200 Index is Australia&#8217;s large-capitalization tradable equity index and Australia&#8217;s institutional benchmark. The S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>/ASX 200 Index measures the performance of the 200 largest index-eligible stocks listed on the Australian Securities Exchange by float-adjusted market capitalization. Only stocks that are actively and regularly traded are considered for inclusion in the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>/ASX 200 Index. For additional information about the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>/ASX 200 Index, see the information set forth under &#8220;S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>/ASX 200. </font></FONT></P>
                <P style="margin-bottom: 11.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#8220;Standard &amp; Poor&#8217;s</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#8221; and &#8220;S&amp;P/ASX 200</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#8221; are trademarks of Standard and Poor&#8217;s Financial Services LLC.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 13.2pt; line-height: 1.2; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>FTSE</font></FONT><FONT style="font-weight: bold; color: #296DC1; 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; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> 100 Index</font></FONT></P>
                <P style="margin-bottom: 11.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>The FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> 100 Index, which is calculated, published and disseminated by FTSE Russell, is a free-float-adjusted index which measures the composite price performance of stocks of the largest 100 companies (determined on the basis of market capitalization) traded on the London Stock Exchange. The 100 stocks included in the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> 100 Index (the &#8220;FTSE Underlying Stocks&#8221;) are selected from a reference group of stocks trading on the London Stock Exchange which are in turn selected by excluding certain stocks that have low liquidity based on public float, accuracy and reliability of prices, size and number of trading days. The FTSE Underlying Stocks are selected from this reference group by selecting 100 stocks with the largest market value. For additional information about the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> 100 Index, see the information set forth under &#8220;FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> 100 Index&#8221; in the accompanying index supplement. </font></FONT></P>
                <P style="margin-bottom: 11.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#8220;FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#8221; and &#8220;Footsie</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>TM</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#8221; are trademarks of London Stock Exchange Plc and The Financial Times Limited.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-weight: bold; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Swiss Market Index</font></FONT><FONT style="font-weight: bold; color: #296DC1; font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                <P style="margin-bottom: 11.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>The Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> represents more than 75% of the free-float capitalization of the Swiss equity market. The Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> consists of the 20 largest, most highly capitalized and liquid equities of the Swiss Performance Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> traded on the SIX Swiss Exchange. The composition of the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> is reviewed annually, and in order to ensure a high degree of continuity in the composition of the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>, the component stocks are subject to a special procedure for addition to or removal from the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> based on free-float market capitalization and liquidity. For additional information about the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>, see the information set forth under &#8220;Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#8221; in the accompanying index supplement.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#8220;Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#8221; and &#8220;SMI</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#8221; are trademarks of SIX Swiss Exchange.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 13.2pt; line-height: 1.2; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>EURO STOXX 50</font></FONT><FONT style="font-weight: bold; color: #296DC1; 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; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index </font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The EURO STOXX 50</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index was created by STOXX</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;'> Limited, a part of Qontigo, which is a wholly owned subsidiary of Deutsche B&#246;rse AG. Publication of the EURO STOXX 50</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index began on February 26, 1998 with a base value of 1,000 as of December 31, 1991. The EURO STOXX 50</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is composed of 50 component stocks of market sector leaders among the 20 STOXX</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;'> supersectors, which includes stocks selected from the Eurozone. The component stocks have a high degree of liquidity and represent the largest companies across all market sectors. For additional information about the EURO STOXX 50</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, see the information set forth under &#8220;EURO STOXX 50</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8221; in the accompanying index supplement.</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-bottom: 11.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>&#8220;EURO STOXX 50</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>&#8221; and &#8220;STOXX</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>&#8221; are registered trademarks of STOXX</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'> Limited.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 13.2pt; line-height: 1.2; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 11.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>The Tokyo Stock Price Index, which we also refer to as the TOPIX</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> Index, is published by JPX Market Innovation &amp; Research, Inc. (&#8220;JPXI&#8221;). The TOPIX</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> Index was developed by the TSE. Publication of the TOPIX</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> Index began on July 1, 1969, based on a base index value of 100 as of January 4, 1968. Prior to April 4, 2022, the TSE domestic stock market was divided into two sections: the First Section and the Second Section. Listings of stocks on the TSE were divided between these two sections, with stocks listed on the First Section typically being limited to larger, longer-established and more actively traded issues and the Second Section to smaller and newly listed companies. At that time, the component stocks of the TOPIX</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> Index consisted </font></FONT></P>
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                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>9</FONT></FONT></P>
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            <DIV style="width: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-bottom: 11.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>of all domestic common stocks listed on the First Section of the TSE. On April 4, 2022, JPXI began revisions to the TOPIX</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> Index in conjunction with the restructuring of the TSE into three new market segments: the Prime Market, the Standard Market and the Growth Market. Stocks that were components of the TOPIX</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> Index as of April 1, 2022 continue to be included after the market restructuring, regardless of their new market segment. However, component stocks with tradeable share market capitalization of under JPY 10 billion are designated as &#8220;phased weighting reduction constituents,&#8221; and their weighting was gradually reduced in ten stages on the last business day of each quarter beginning in October 2022 and ending in January 2025. The TOPIX</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> Index is computed and published every second via the Market Information System, and is reported to securities companies, news media, and other institutions across Japan. For additional information about the TOPIX</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> Index, see the information set forth under &#8220;Tokyo Stock Price Index&#8221; in the accompanying index supplement. </font></FONT></P>
                <P style="margin-bottom: 11.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#8220;TOPIX</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#8221; and &#8220;TOPIX</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> Index&#8221; are trademarks of JPXI. For more information, see &#8220;Tokyo Stock Price Index&#8221; in the accompanying index supplement.</font></FONT></P>
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                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>10</FONT></FONT></P>
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            <DIV style="width: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <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;'>Information as of market close on November 14, 2025:</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;'>&nbsp;</font></FONT></P>
                <TABLE width="550.38pt" style="margin-left: auto; width: 550.38pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="80.36pt" style="width: 80.36pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="76.73pt" style="width: 76.73pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="83.49pt" style="width: 83.49pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="65.01pt" style="width: 65.01pt; border: 0; margin: 0; padding: 0; height: 0; ">
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                        <TD width="123.86pt" style="width: 123.86pt; border: 0; margin: 0; padding: 0; height: 0; ">
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                        <TD width="120.94pt" style="width: 120.94pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #296DC1; vertical-align: bottom; ">
                            <P style="margin-top: 2.64pt; margin-bottom: 2.64pt; line-height: 10.5pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.5pt; font-weight: bold; color: #FFFFFF; "><font style='white-space: pre-wrap;'>Basket Component Information as of November 14, 2025</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Basket Component</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Bloomberg Ticker Symbol</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Current Basket Component Level</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>52 Weeks Ago</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>52 Week High</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>52 Week Low</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 18.76pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>AS51 Index</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>AS51</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>8,634.522</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>8,223.953</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>(on 10/21/2025): 9,094.711</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>(on 4/7/2025): 7,343.255</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 18.76pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>UKX Index</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>UKX</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>9,698.37</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>8,071.19</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> (on 11/12/2025): 9,911.42</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>(on 4/9/2025): 7,679.48</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 18.76pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>SMI Index</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>SMI</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>12,634.30</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>11,783.65</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>(on 3/3/2025): 13,166.68</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>(on 4/9/2025): 10,887.73</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 18.76pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>SX5E Index</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>SX5E</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>5,693.77</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>4,833.53</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> (on 11/12/2025): 5,787.31</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>(on 4/9/2025): 4,622.14</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 18.76pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>TPX Index</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>TPX</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>3,359.81</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>2,701.22</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>(on 11/13/2025): 3,381.72</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>(on 4/7/2025): 2,288.66</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <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;'>&nbsp;</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;'>The following graph is calculated based on an initial basket value of 100 on January 1, 2020 (assuming that each basket component is weighted as described in &#8220;Basket&#8221; on the cover page) and illustrates the effect of the offset and/or correlation among the basket components during such period.  The graph does not take into account the leverage factor or the trigger level, nor does it attempt to show your expected return on an investment in the Trigger PLUS.  The historical performance of the basket should not be taken as an indication of its future performance. </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;'>&nbsp;</font></FONT></P>
                <TABLE width="550.38pt" style="margin-left: auto; width: 550.38pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="550.38pt" style="width: 550.38pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 19.09pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Basket Historical Performance</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>January 1, 2020 to November 14, 2025</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 193.00pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.5pt; "><FONT style="width: 538.56pt; height: 271.26pt; ">                                        <IMG width="538.56pt" height="271.26pt" src="image2.gif" style="width: 538.56pt; height: 271.26pt; ">
                                        </FONT></FONT></P>
&nbsp;
                        </TD>
                    </TR>
                </TABLE>
                <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;'>&nbsp;</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;'>The following graphs set forth the daily closing values of each of the basket components for the period from January 1, 2020 through November 14, 2025.  The related tables set forth the published high and low closing values as well as end-of-quarter closing values for each of the basket components for each quarter in the same period.  The closing values for each of the basket components on November 14, 2025 were: (i) in the case of the AS51 Index, 8,634.522, (ii) in the case of the UKX Index, 9,698.37, (iii) in the case of the SMI Index, 12,634.30, (iv) in the case of the SX5E Index, 5,693.77 and (v) in the case of the TPX Index, 3,359.81.  We obtained the information in the tables and graphs below from Bloomberg Financial Markets, without independent verification.  The historical values of the basket components should not be taken as an indication of their future performance, and no assurance can be given as to the basket closing value on the valuation date.</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>11</FONT></FONT></P>
            </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: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="523.60pt" style="margin-left: auto; width: 523.60pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="110.00%" style="width: 110.00%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 9.08pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 10.0pt; text-align: center; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>S&amp;P</font></FONT><FONT style="vertical-align: super; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>/ASX 200 Index</font><BR><font style='white-space: pre-wrap;'>January 1, 2020 to November 14, 2025 </font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 233.70pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 1.65pt; text-align: center; margin-left: -3.63pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.5pt; "><FONT style="width: 553.74pt; height: 275.88pt; ">                                        <IMG width="553.74pt" height="275.88pt" src="image3.gif" style="width: 518.56pt; height: 271.26pt; ">
                                        </FONT></FONT></P>
&nbsp;
                        </TD>
                    </TR>
                </TABLE>
                <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;'>&nbsp;</font></FONT></P>
                <TABLE width="100.00%" style="margin-left: -3.19pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="48.33%" style="width: 48.33%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="padding-left: 0.0pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>/ASX 200 Index</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>High</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Low</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Period End</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,162.494</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,546.035</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,076.827</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,148.426</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,067.482</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,897.882</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,167.641</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,784.065</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,815.941</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,756.673</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,791.501</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,587.096</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,917.274</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,587.096</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,790.667</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,386.174</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,828.694</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,313.023</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,628.923</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,196.713</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,332.159</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,513.373</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,185.545</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,444.642</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,589.757</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,838.282</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,499.588</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,592.790</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,433.368</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,568.063</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,127.684</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,462.027</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,474.198</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,354.418</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,456.866</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,038.688</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,558.108</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,898.507</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,177.754</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,381.515</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,078.654</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,203.299</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,455.917</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,004.033</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,048.637</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,614.278</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,772.927</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,590.818</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,896.858</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,346.477</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,896.858</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,896.858</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,567.283</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,767.470</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,269.830</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,649.556</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,269.830</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,495.217</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,066.962</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,159.143</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,555.806</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,749.066</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,843.424</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,592.103</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,343.255</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,542.270</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter  </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9,019.088</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,538.580</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,848.774</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter (through November 14, 2025)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9,094.711</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,634.522</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,634.522</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>12</FONT></FONT></P>
            </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: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="523.60pt" style="margin-left: auto; width: 523.60pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="110.00%" style="width: 110.00%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 9.08pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 10.0pt; text-align: center; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>FTSE</font></FONT><FONT style="vertical-align: super; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'> 100 Index</font><BR><font style='white-space: pre-wrap;'>January 1, 2020 to November 14, 2025 </font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 233.70pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 1.65pt; text-align: center; margin-left: -3.63pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.5pt; "><FONT style="width: 553.74pt; height: 283.80pt; ">                                        <IMG width="553.74pt" height="283.80pt" src="image4.gif" style="width: 513.74pt; height: 263.80pt; ">
                                        </FONT></FONT></P>
&nbsp;
                        </TD>
                    </TR>
                </TABLE>
                <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;'>&nbsp;</font></FONT></P>
                <TABLE width="100.00%" style="margin-left: -3.19pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="48.33%" style="width: 48.33%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="padding-left: 0.0pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>FTSE</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'> 100 Index</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>High</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Low</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Period End</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,674.56</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,993.89</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,671.96</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,484.30</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,415.50</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,169.74</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,292.65</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,799.08</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,866.10</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,602.65</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,577.27</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,460.52</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,873.26</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,407.46</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,713.63</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,184.95</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,737.30</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,037.47</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,220.14</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,844.39</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,086.42</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,420.69</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,995.87</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,384.54</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,672.40</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,959.48</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,515.68</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,669.56</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,016.25</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,169.28</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,550.37</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,881.59</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,893.81</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,573.05</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,826.15</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,451.74</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,014.31</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,335.40</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,631.74</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,914.13</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,446.14</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,531.53</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,731.65</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,256.94</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,608.08</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,733.24</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,291.28</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,733.24</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,952.62</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,446.29</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,952.62</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,445.80</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,820.36</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,164.12</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,379.64</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,008.23</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,236.95</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,385.13</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,025.77</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,173.02</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,871.31</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,173.02</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,582.81</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,884.92</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7,679.48</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,760.96</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter  </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9,350.43</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,774.69</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9,350.43</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter (through November 14, 2025)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>9,911.42</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>9,354.57</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>9,698.37</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>13</FONT></FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="523.60pt" style="margin-left: auto; width: 523.60pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="110.00%" style="width: 110.00%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 9.08pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 10.0pt; text-align: center; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Swiss Market Index</font></FONT><FONT style="vertical-align: super; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><BR><font style='white-space: pre-wrap;'>January 1, 2020 to November 14, 2025 </font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 233.70pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 1.65pt; text-align: center; margin-left: -3.63pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.5pt; "><FONT style="width: 553.74pt; height: 276.54pt; ">                                        <IMG width="553.74pt" height="276.54pt" src="image5.gif" style="width: 513.74pt; height: 276.54pt; ">
                                        </FONT></FONT></P>
&nbsp;
                        </TD>
                    </TR>
                </TABLE>
                <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;'>&nbsp;</font></FONT></P>
                <TABLE width="100.00%" style="margin-left: -3.19pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="48.33%" style="width: 48.33%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Swiss Market Index</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>High</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Low</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Period End</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,263.01</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>8,160.79</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9,311.92</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,266.29</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9,168.98</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,045.30</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,552.04</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,005.90</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,187.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,703.51</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9,556.14</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,703.51</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,121.42</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,522.22</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,047.37</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,028.45</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,970.93</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,942.72</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,545.35</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,485.58</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,642.45</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,970.53</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,569.39</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,875.66</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,939.17</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,057.06</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,161.53</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,528.61</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,451.31</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,741.21</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,202.66</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,072.62</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,267.55</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,238.20</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,199.32</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,729.40</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,435.99</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,516.40</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,106.24</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,595.25</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,073.48</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,280.29</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,373.21</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,839.06</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,963.50</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,209.95</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,323.71</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,137.79</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,790.46</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,091.58</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,730.43</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,254.76</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,196.67</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,993.83</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,451.48</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,510.46</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,168.87</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,326.76</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,384.92</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,600.90</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>13,166.68</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,600.90</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,598.12</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,686.62</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10,887.73</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,921.46</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Third Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,383.47</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11,755.32</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12,109.42</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter (through November 14, 2025)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>12,793.74</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>12,234.50</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>12,634.30</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>14</FONT></FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="500.61pt" style="margin-left: auto; width: 500.61pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="110.00%" style="width: 110.00%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 10.07pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 10.0pt; text-align: center; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>EURO STOXX 50</font></FONT><FONT style="vertical-align: super; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'> Index </font><BR><font style='white-space: pre-wrap;'>January 1, 2020 to November 14, 2025</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 229.57pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-bottom: 11.0pt; line-height: 1.2; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: black; font-size: 10.0pt; "><FONT style="width: 553.74pt; height: 280.50pt; ">                                        <IMG width="553.74pt" height="280.50pt" src="image6.gif" style="width: 485.74pt; height: 250.50pt; ">
                                        </FONT></FONT></P>
&nbsp;
                        </TD>
                    </TR>
                </TABLE>
                <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;'>&nbsp;</font></FONT></P>
                <TABLE width="100.00%" style="margin-left: -3.19pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="48.31%" style="width: 48.31%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.57%" style="width: 20.57%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>EURO STOXX 50</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>High</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Low</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Period End</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,865.18</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,385.82</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,786.90</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,384.29</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,662.99</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,234.07</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Third Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,405.35</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,137.06</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,193.61</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,581.37</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,958.21</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,552.64</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #0070C0; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,926.20</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,481.44</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,919.21</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,158.14</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,924.80</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,064.30</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Third Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,246.13</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,928.53</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,048.08</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,401.49</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,996.41</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,298.41</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #0070C0; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>First Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,392.15</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,505.29</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,902.52</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,951.12</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,427.91</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,454.86</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Third Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,805.22</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,279.04</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,318.20</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,986.83</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,318.20</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,793.62</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #0070C0; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,315.05</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,793.62</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,315.05</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,408.59</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,218.04</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,399.09</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,471.31</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,129.18</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,174.66</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,549.44</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,014.36</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,521.44</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #0070C0; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,083.42</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,403.08</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,083.42</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,100.90</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,839.14</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,894.02</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,067.45</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,571.60</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,000.45</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,041.01</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,729.71</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,895.98</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #0070C0; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>First Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,540.69</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,871.45</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,248.39</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,454.65</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>4,622.14</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,303.24</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,529.96</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,165.60</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,529.96</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter (through November 14, 2025)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,787.31</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,531.32</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>5,693.77</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>15</FONT></FONT></P>
            </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: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="523.60pt" style="margin-left: auto; width: 523.60pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="110.00%" style="width: 110.00%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 9.08pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 10.0pt; text-align: center; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Tokyo Stock Price Index </font><BR><font style='white-space: pre-wrap;'>January 1, 2020 to November 14, 2025</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 233.70pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 1.65pt; text-align: center; margin-left: -3.63pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.5pt; "><FONT style="width: 553.74pt; height: 281.82pt; ">                                        <IMG width="553.74pt" height="281.82pt" src="image7.gif" style="width: 513.74pt; height: 271.82pt; ">
                                        </FONT></FONT></P>
&nbsp;
                        </TD>
                    </TR>
                </TABLE>
                <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;'>&nbsp;</font></FONT></P>
                <TABLE width="100.00%" style="margin-left: -3.19pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="48.33%" style="width: 48.33%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.55%" style="width: 20.55%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Tokyo Stock Price Index</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>High</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Low</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Period End</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #296DC1; font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,744.16</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,236.34</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,403.04</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,630.72</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,325.13</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,558.77</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Third Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,661.93</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,496.06</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,625.49</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,819.18</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,579.33</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,804.68</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #0070C0; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,012.21</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,791.22</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,954.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,983.54</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,849.04</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,943.57</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Third Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,118.87</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,880.68</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,030.16</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,055.56</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,926.37</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,992.33</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #0070C0; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>First Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,039.27</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,758.89</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,946.40</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,969.98</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,818.94</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,870.82</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Third Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,006.99</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,835.94</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,835.94</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,018.80</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,835.94</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,891.71</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #0070C0; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,071.09</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,868.15</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,003.50</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,300.36</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>1,961.28</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,288.60</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,430.30</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,221.48</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,323.39</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,391.05</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,218.89</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,366.39</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #0070C0; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,813.22</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,366.39</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,768.62</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,809.63</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,626.32</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,809.63</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,929.17</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,227.15</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,645.94</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,801.68</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,618.32</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,784.92</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-weight: bold; color: #0070C0; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DEEBF4; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,815.47</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,658.73</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,658.73</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,852.84</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,288.66</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,852.84</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,187.02</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>2,811.72</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,137.60</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Fourth Quarter (through November 14, 2025)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,381.72</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,087.40</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 9.0pt; text-align: center; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>3,359.81</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>16</FONT></FONT></P>
            </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: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 9.9pt; margin-bottom: 6.6pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Additional Terms of the Trigger PLUS</font></FONT></P>
                <P style="margin-bottom: 6.6pt; line-height: 11.0pt; margin-top: 0; "><FONT style="font-weight: normal; font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>Please read this information in conjunction with the terms on the front cover of this document.</font></FONT></P>
                <TABLE width="554.67pt" style="margin-left: -0.27000000000000046pt; width: 554.67pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="145.75pt" style="width: 145.75pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.77pt" style="width: 0.77pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="408.16pt" style="width: 408.16pt; 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 style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #296DC1; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 10.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; font-weight: bold; color: #FFFFFF; "><font style='white-space: pre-wrap;'>Additional Terms:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #296DC1; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 10.5pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the terms described herein are inconsistent with those described in the accompanying product supplement, index supplement or prospectus, the terms described herein shall control.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Underlying index publishers:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>With respect to the AS51 Index, S&amp;P</font></FONT><FONT style="font-size: 6pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Dow Jones Indices LLC, or any successor thereof.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>With respect to the UKX Index, FTSE International Limited, or any successor thereof.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>With respect to the SMI Index, SIX Group Ltd., or any successor thereof.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>With respect to the SX5E Index, STOXX</font></FONT><FONT style="font-size: 6pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Limited, or any successor thereof.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>With respect to the TPX Index, JPX Market Innovation &amp; Research, Inc., or any successor thereof.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Index closing value:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>With respect to each of the SX5E Index, the TPX Index, the SMI Index and the AS51 Index, the index closing value on any index business day shall be determined by the calculation agent and shall equal the official closing value of such basket component, or any successor index, published at the regular official weekday close of trading on such index business day by the basket component publisher for such basket component. In certain circumstances, the index closing value for each of the SX5E Index, the TPX Index, the SMI Index and the AS51 Index will be based on the alternate calculation of such basket component as described under &#8220;Discontinuance of Any Underlying Index or Basket Index; Alteration of Method of Calculation&#8221; in the accompanying product supplement. </font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>With respect to the UKX Index, the index closing value on any index business day shall be determined by the calculation agent and shall equal the closing value of the UKX Index, or any successor index reported by Bloomberg Financial Services, or any successor reporting service the calculation agent may select, on such index business day. In certain circumstances, the index closing value for the UKX Index will be based on the alternate calculation of the UKX Index as described under &#8220;Discontinuance of Any Underlying Index or Basket Index; Alteration of Method of Calculation&#8221; in the accompanying product supplement. The closing value of the UKX Index reported by Bloomberg Financial Services may be lower or higher than the official closing value of the UKX Index published by the basket component publisher for the UKX Index.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Interest:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>None</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Bull market or bear market PLUS:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Bull market PLUS</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Postponement of maturity date:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the scheduled valuation date is not an index business day with respect to an underlying index or if a market disruption event occurs with respect to an underlying index on that day so that the valuation date is postponed and falls less than two business days prior to the scheduled maturity date, the maturity date of the Trigger PLUS will be postponed to the second business day following the latest valuation date as postponed with respect to such underlying index.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Denominations:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$1,000 per Trigger PLUS and integral multiples thereof</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Trustee:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Bank of New York Mellon</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Calculation agent:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>MS &amp; Co.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Issuer notice to registered security holders, the trustee and the depositary:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>In the event that the maturity date is postponed due to postponement of the 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 Trigger PLUS 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 Trigger PLUS 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 actual valuation date.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The issuer shall, or shall cause the calculation agent to, (i) provide written notice to the trustee, on which notice the trustee may conclusively rely, and to the depositary of the amount of cash to be delivered, if any, with respect to each stated principal amount of the Trigger PLUS, on or prior to 10:30 a.m. (New York City time) on the business day preceding the maturity date, and (ii) deliver the </font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 554.40pt; padding: 0 59.40pt 10.00pt 59.40pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>17</FONT></FONT></P>
            </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: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>aggregate cash amount due, if any, with respect to the Trigger PLUS to the trustee for delivery to the depositary, as holder of the Trigger PLUS, on the maturity date.</font></FONT></P>
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                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>18</FONT></FONT></P>
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            <DIV style="width: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 9.9pt; margin-bottom: 6.6pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Additional Information About the Trigger PLUS</font></FONT></P>
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                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 10.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; font-weight: bold; color: #FFFFFF; "><font style='white-space: pre-wrap;'>Additional Information:</font></FONT></P>
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                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 10.5pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; text-align: left; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Minimum ticketing size:</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-indent: 0.77pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000 / 1 Trigger PLUS</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; text-align: left; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Tax considerations:</font></FONT></P>
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                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Although there is uncertainty regarding the U.S. federal income tax consequences of an investment in the </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger PLUS</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due to the lack of governing authority, in the opinion of our counsel, Davis Polk &amp; Wardwell LLP, under current law, and based on current market conditions, it is reasonable to treat a Trigger PLUS</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>as a single financial contract that is an &#8220;open transaction&#8221; for U.S. federal income tax purposes. </font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Assuming this treatment of the </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger PLUS</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> is respected and subject to the discussion in &#8220;United States Federal Taxation&#8221; in the accompanying product supplement for PLUS, the following U.S. federal income tax consequences should result based on current law:</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-align: justify; margin-left: 26.90pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 8.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>A U.S. Holder should not be required to recognize taxable income over the term of the </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger PLUS</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> prior to settlement, other than pursuant to a sale or exchange.  </font></FONT></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-align: justify; margin-left: 26.90pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 8.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Upon sale, exchange or settlement of the </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger PLUS</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>, a U.S. Holder should recognize gain or loss equal to the difference between the amount realized and the U.S. Holder&#8217;s tax basis in the </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger PLUS</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>.  Such gain or loss should be long-term capital gain or loss if the investor has held the Trigger PLUS for more than one year, and short-term capital gain or loss otherwise.</font></FONT></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>We do not plan to request a ruling from the Internal Revenue Service (the &#8220;IRS&#8221;) regarding the treatment of the Trigger PLUS.  An alternative characterization of the Trigger PLUS could materially and adversely affect the tax consequences of ownership and disposition of the Trigger PLUS, including the timing and character of income recognized.  In addition, the U.S. Treasury Department and the IRS have requested comments on various issues regarding the U.S. federal income tax treatment of &#8220;prepaid forward contracts&#8221; and similar financial instruments and have indicated that such transactions may be the subject of future regulations or other guidance.  Furthermore, members of Congress have proposed legislative changes to the tax treatment of derivative contracts.  Any legislation, Treasury regulations or other guidance promulgated after consideration of these issues could materially and adversely affect the tax consequences of an investment in the Trigger PLUS, possibly with retroactive effect.</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>As discussed in the accompanying product supplement for PLUS, Section 871(m) of the Internal Revenue Code of 1986, as amended, and Treasury regulations promulgated thereunder (&#8220;Section 871(m)&#8221;) generally impose a 30% (or a lower applicable treaty rate) withholding tax on dividend equivalents paid or deemed paid to Non-U.S. Holders with respect to certain financial instruments linked to U.S. equities or indices that include U.S. equities (each, an &#8220;Underlying Security&#8221;).  Subject to certain exceptions, Section 871(m) generally applies to securities that substantially replicate the economic performance of one or more Underlying Securities, as determined based on tests set forth in the applicable Treasury regulations (a &#8220;Specified Security&#8221;).  However, pursuant to an IRS notice, Section 871(m) will not apply to securities issued before January 1, 2027 that do not have a delta of one with respect to any Underlying Security.  Based on our determination that the Trigger PLUS do not have a delta of one with respect to any Underlying Security, our counsel is of the opinion that the Trigger PLUS should not be Specified Securities and, therefore, should not be subject to Section 871(m).</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><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 Trigger PLUS.</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Both U.S. and non-U.S. investors considering an investment in the Trigger PLUS should read the discussion under &#8220;Risk Factors&#8221; in this document and the discussion under &#8220;United States Federal Taxation&#8221; in the accompanying product supplement for PLUS and consult their tax advisers regarding all aspects of the U.S. federal income tax consequences of an investment in the Trigger PLUS, including possible alternative treatments, and any tax consequences arising under the laws of any state, local or non-U.S. taxing jurisdiction.  </font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The discussion in the preceding paragraphs under &#8220;Tax considerations&#8221; and the discussion contained in the section entitled &#8220;United States Federal Taxation&#8221; in the accompanying product supplement for PLUS, insofar as they purport to describe provisions of U.S. federal income tax laws or legal conclusions with respect thereto, constitute the full opinion of Davis Polk &amp; Wardwell LLP regarding the material U.S. federal tax consequences of an investment in the Trigger PLUS.</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; padding-left: 2.37pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; padding-left: 2.37pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; padding-left: 2.37pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 10.01pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; padding-left: 2.37pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Use of proceeds and hedging:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The proceeds from the sale of the Trigger PLUS will be used by us for general corporate purposes.  We will receive, in aggregate, $1,000 per Trigger PLUS issued, because, when we enter into hedging transactions in order to meet our obligations under the Trigger PLUS, our hedging counterparty will </font></FONT></P>
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                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>19</FONT></FONT></P>
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                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="554.40pt" style="margin-left: 0.0pt; width: 554.40pt; table-layout: fixed; border-collapse: collapse; ">
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                        <TD width="407.88pt" style="width: 407.88pt; border: 0; margin: 0; padding: 0; height: 0; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>reimburse the cost of the agent&#8217;s commissions.  The costs of the Trigger PLUS borne by you and described beginning on page 2 above comprise the agent&#8217;s commissions and the cost of issuing, structuring and hedging the Trigger PLUS.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>On or prior to the pricing date, we will hedge our anticipated exposure in connection with the Trigger PLUS by </font></FONT><FONT style="color: #000000; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>entering into hedging transactions with our affiliates and/or third-party dealers.  We expect our hedging counterparties to take</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> positions in the underlying indices, in futures or options contracts on the underlying indices or component stocks of </font></FONT><FONT style="font-weight: normal; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the underlying indices </font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>listed on major securities markets or positions in any other available securities or instruments that they may wish to use in connection with such hedging.  Such purchase activity could potentially increase the initial basket component values of the basket components, and, therefore, could increase the values at or above which the basket components must close on the valuation date so that investors do not suffer a significant loss on their initial investment in the Trigger PLUS.  In addition, through our affiliates, we are likely to modify our hedge position throughout the term of the Trigger PLUS, including on the valuation date, by purchasing and selling the stocks constituting </font></FONT><FONT style="font-weight: normal; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the underlying indices</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>, futures or options contracts on the underlying indices or component stocks of </font></FONT><FONT style="font-weight: normal; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the underlying indices </font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>listed on major securities markets or positions in any other available securities or instruments that we may wish to use in connection with such hedging activities.  As a result, these entities may be unwinding or adjusting hedge positions during the term of the Trigger PLUS, and the hedging strategy may involve greater and more frequent dynamic adjustments to the hedge as the valuation date approaches.  We cannot give any assurance that our hedging activities will not affect the value of the basket component and, therefore, adversely affect the value of the Trigger PLUS or the payment you will receive at maturity, if any.  For further information on our use of proceeds and hedging, see &#8220;Use of Proceeds and Hedging&#8221; in the accompanying product supplement for PLUS.</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; text-align: left; "><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Additional considerations:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Client accounts over which Morgan Stanley, Morgan Stanley Wealth Management or any of their respective subsidiaries have investment discretion are </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>not</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> permitted to purchase the Trigger PLUS, either directly or indirectly.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; text-align: left; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Supplemental information regarding plan of distribution; conflicts of interest:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The agent may distribute the Trigger PLUS through Morgan Stanley Smith Barney LLC (&#8220;Morgan Stanley Wealth Management&#8221;), as selected dealer, or other dealers, which may include Morgan Stanley &amp; Co. International plc (&#8220;MSIP&#8221;) and Bank Morgan Stanley AG.  Morgan Stanley Wealth Management, MSIP and Bank Morgan Stanley AG are affiliates of ours.  Selected dealers, including Morgan Stanley Wealth Management, and their financial advisors will collectively receive from the agent, Morgan Stanley &amp; Co. LLC, a fixed sales commission of $25 for each Trigger PLUS they sell.  In addition, Morgan Stanley Wealth Management will receive a structuring fee of $5 for each Trigger PLUS. The costs included in the original issue price of the Trigger PLUS will include a fee paid by MS &amp; Co. to LFT Securities, LLC, an entity in which an affiliate of Morgan Stanley Wealth Management has an ownership interest, for providing certain electronic platform services with respect to this offering.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. is an affiliate of MSFL and a wholly owned subsidiary of Morgan Stanley, and it and other affiliates of ours expect to make a profit by selling, structuring and, when applicable, hedging the Trigger PLUS.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. will conduct this offering in compliance with the requirements of FINRA Rule 5121 of the Financial Industry Regulatory Authority, Inc., which is commonly referred to as FINRA, regarding a FINRA member firm&#8217;s distribution of the securities of an affiliate and related conflicts of interest.  MS &amp; Co. or any of our other affiliates may not make sales in this offering to any discretionary account.  See &#8220;Plan of Distribution (Conflicts of Interest)&#8221; and &#8220;Use of Proceeds and Hedging&#8221; in the accompanying product supplement for PLUS.</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; text-align: left; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Validity of the Trigger PLUS: </font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><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 Trigger PLUS offered by this pricing supplement have been issued by MSFL pursuant to the MSFL Senior Debt Indenture (as defined in the accompanying prospectus), the trustee and/or paying agent has made, in accordance with the instructions from MSFL, the appropriate entries or notations in its records relating to the master note that represents such securities (the &#8220;master note&#8221;), and such securities have been delivered against payment as contemplated herein, such Trigger PLUS 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: 8.0pt; "><font style='white-space: pre-wrap;'>provided</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><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 </font></FONT></P>
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                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 411.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>20</FONT></FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 554.40pt; padding: 27.72pt 59.40pt 0 59.40pt; min-height: 74.47pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>Trigger PLUS Based on the Value of a Basket Composed of the S&amp;P</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>/ASX 200 Index, the FTSE</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> 100 Index, the Swiss Market Index</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>, the EURO STOXX 50</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #296DC1; "><font style='white-space: pre-wrap;'> Index and the Tokyo Stock Price Index due December 5, 2028</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #808080; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #296DC1; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
            </DIV>
            <DIV style="width: 554.40pt; padding: 10pt 59.40pt 10pt 59.40pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="554.40pt" style="margin-left: 0.0pt; width: 554.40pt; 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; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>8-K by the Company on September 23, 2025.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>Where you can find more information:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 4.73pt; padding-right: 4.73pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley and MSFL have filed a registration statement (including a prospectus, as supplemented by the product supplement for PLUS and the index supplement) with the Securities and Exchange Commission, or SEC, for the offering to which this communication relates.  You should read the prospectus in that registration statement, the product supplement for PLUS, the index supplement and any other documents relating to this offering that Morgan Stanley and MSFL have filed with the SEC for more complete information about Morgan Stanley, MSFL and this offering.  When you read the accompanying product supplement and index supplement, please note that all references in such supplements to the prospectus dated November 16, 2023, or to any sections therein, should refer instead to the accompanying prospectus dated April 12, 2024 or to the corresponding sections of such prospectus, as applicable.  You may get these documents without cost by visiting EDGAR on the SEC web site at.www.sec.gov.  Alternatively, Morgan Stanley, MSFL, any underwriter or any dealer participating in the offering will arrange to send you the product supplement for PLUS, index supplement and prospectus if you so request by calling toll-free 1-(800)-584-6837.</font></FONT></P>
                            <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><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: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You may access these documents on the SEC web site at</font></FONT><FONT style="color: #FFFFFF; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>.</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>www.sec.gov</font></FONT><FONT style="color: #FFFFFF; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>.</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>as follows:</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010323016342/dp202698_424b2-epsplus.htm" style="word-break: break-all; "><FONT style="font-weight: bold; color: #296DC1; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 8.0pt; "><U><font style='white-space: pre-wrap;'>Product Supplement for PLUS dated November 16, 2023</font></U></FONT></A><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> </font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010323016332/dp202718_424b2-isn2023.htm" style="word-break: break-all; "><FONT style="font-weight: bold; color: #296DC1; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 8.0pt; "><U><font style='white-space: pre-wrap;'>Index Supplement dated November 16, 2023</font></U></FONT></A></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010324005205/dp209505_424b2-base.htm" style="word-break: break-all; "><FONT style="font-weight: bold; font-size: 8.0pt; color: #296DC1; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; "><U><font style='white-space: pre-wrap;'>Prospectus dated April 12, 2024</font></U></FONT></A></P>
                            <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Terms used but not defined in this document are defined in the product supplement for PLUS, in the index supplement or in the prospectus. </font></FONT></P>
                            <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#8220;Performance Leveraged Upside Securities</font></FONT><FONT style="font-size: 6pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#8221; and &#8220;PLUS</font></FONT><FONT style="font-size: 6pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#8221; are our service marks.</font></FONT></P>
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                <P style="margin-top: 6.6pt; line-height: 12.0pt; margin-bottom: 0; "><FONT style="color: #296DC1; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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end
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<html>
<head>
<title></title>
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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. 18, 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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:centralIndexKeyItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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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<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: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>
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<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>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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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<td><strong> Data Type:</strong></td>
<td>ffd:submissionTypeItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingTableNa</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OffsetTableNa</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<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>
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<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_SubmissionLineItems</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>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_SubmissnTp">
<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_SubmissnTp</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>ffd:submissionTypeItemType</td>
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<td>duration</td>
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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>Fees Summary<br></strong></div></th>
<th class="th">
<div>Nov. 18, 2025 </div>
<div>USD ($)</div>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeesSummaryLineItems', window );"><strong>Fees Summary [Line Items]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_NrrtvDsclsr', window );">Narrative Disclosure</a></td>
<td class="text">The
prospectus is a final prospectus for the related offering.<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_NrrtvMaxAggtOfferingPric', window );">Narrative - Max Aggregate Offering Price</a></td>
<td class="nump">$ 6,704,000.00<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FnlPrspctsFlg', window );">Final Prospectus</a></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<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>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<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>
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<td style="white-space:nowrap;">ffd_FnlPrspctsFlg</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<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;">ffd_NrrtvDsclsr</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<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;">ffd_NrrtvMaxAggtOfferingPric</td>
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<td><strong> Period Type:</strong></td>
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