<SEC-DOCUMENT>0001839882-25-069916.txt : 20251205
<SEC-HEADER>0001839882-25-069916.hdr.sgml : 20251205
<ACCEPTANCE-DATETIME>20251205142408
ACCESSION NUMBER:		0001839882-25-069916
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		10
FILED AS OF DATE:		20251205
DATE AS OF CHANGE:		20251205

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:		251552452

	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:		251552453

	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>ms12552_424b2-40916.htm
<DESCRIPTION>PRELIMINARY PRICING SUPPLEMENT NO. 12,552
<TEXT>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; line-height: 9.0pt; padding-left: 0.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: bold; color: #808080; "><font style='white-space: pre-wrap;'>December 2025</font></FONT></P>
                <P style="line-height: 9.0pt; padding-left: 0.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; color: #808080; "><font style='white-space: pre-wrap;'>Preliminary Pricing Supplement No. 12,552</font></FONT></P>
                <P style="line-height: 9.0pt; padding-left: 0.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; color: #808080; "><font style='white-space: pre-wrap;'>Registration Statement Nos. 333-275587; 333-275587-01</font></FONT></P>
                <P style="line-height: 9.0pt; padding-left: 0.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; color: #808080; "><font style='white-space: pre-wrap;'>Dated December 5, 2025</font></FONT></P>
                <P style="line-height: 9.0pt; padding-left: 0.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; color: #808080; "><font style='white-space: pre-wrap;'>Filed pursuant to Rule 424(b)(2)</font></FONT></P>
                <P style="background-color: #D6D6D6; padding-left: 0.0pt; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #AF1E23; font-size: 16.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; text-transform: none; color: #AF1E23; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #AF1E23; font-size: 16.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; text-transform: none; color: #AF1E23; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #AF1E23; font-size: 16.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; text-transform: none; color: #AF1E23; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #AF1E23; font-size: 16.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="background-color: #D6D6D6; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #AF1E23; font-size: 12.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>Structured Investments</font></FONT></P>
                <P style="background-color: #D6D6D6; margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #AF1E23; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>Opportunities in U.S. Equities</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="background-color: #A6A6A6; padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #AF1E23; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>Market</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #AF1E23; font-size: 11.0pt; "><font style='white-space: pre-wrap;'> Linked Securities&#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #BB0826; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="background-color: #A6A6A6; margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
                <P style="background-color: #A6A6A6; margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #AF1E23; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Fully and Unconditionally Guaranteed by Morgan Stanley</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #5E8AB4; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Linked to the lowest performing of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> (each referred to as an &#8220;underlying&#8221;)</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The securities offered are unsecured obligations of Morgan Stanley Finance LLC (&#8220;MSFL&#8221;) and are fully and unconditionally guaranteed by Morgan Stanley. Unlike ordinary debt securities, the securities do not guarantee the payment of interest, do not guarantee the repayment of principal and are subject to potential automatic call prior to the maturity date upon the terms described below. The securities have the terms described in the accompanying product supplement for principal at risk securities, index supplement and prospectus, as supplemented or modified by this document.  </font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Contingent Coupon.</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>  The securities will pay a contingent coupon on a monthly basis until the earlier of the maturity date or automatic call if, and only if, the closing level of the lowest performing underlying on the calculation day for that month is greater than or equal to its coupon threshold level.  However, if the closing level of the lowest performing underlying on a calculation day is less than its coupon threshold level, you will not receive any contingent coupon for the relevant month.  If the closing level of the lowest performing underlying is less than its coupon threshold level on every calculation day, you will not receive any contingent coupons throughout the entire term of the securities. The coupon threshold level for each underlying is equal to 70% of its starting level. The contingent coupon rate will be determined on the pricing date and will be at least 8.45% </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>per annum</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Automatic Call. </font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Beginning after six months, the securities will be automatically called if the closing level of each underlying on any of the calculation days (other than the final calculation day) is greater than or equal to its respective starting level for a cash payment equal to the face amount </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> a final contingent coupon payment. No further payments will be made on the securities once they have been called.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Potential Loss of Principal. </font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>If the securities are not automatically called, you will receive the face amount at maturity if, and only if, the closing level of each underlying on the final calculation day is greater than or equal to its respective downside threshold level. If the closing level of any underlying on the final calculation day is less than its respective downside threshold level, investors will be fully exposed to the decline in the lowest performing underlying on a 1-to-1 basis, and will receive a maturity payment amount that is less than 70% of the face amount of the securities and could be zero.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Accordingly, investors in the securities must be willing to accept the risk of losing their entire initial investment and also the risk of not receiving any contingent coupon payments throughout the entire term of the securities.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Because all payments on the securities are based on the lowest performing underlying, a decline beyond the respective coupon threshold level or respective downside threshold level of any underlying will result in no contingent coupon payments or a significant loss of your investment, as applicable, even if the other underlyings have appreciated or have not declined as much.  </font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The securities are for investors who are willing to risk their principal based on the lowest performing of three underlyings and who seek an opportunity to earn interest at a potentially above-market rate in exchange for the risk of receiving no contingent coupon payments over the entire term of the securities.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Investors will not participate in any appreciation of any underlying.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The securities are notes issued as part of MSFL&#8217;s Series A Global Medium-Term Notes program</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The Nasdaq-100</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> measures the performance of companies in the Nasdaq-100 Index</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> that are classified as technology according to the Industry Classification Benchmark. For more information about the Nasdaq-100 Index</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>, see the information set forth under &#8220;Nasdaq-100 Index</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>&#8221; in the accompanying index supplement. For more information about the Nasdaq-100</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>, see &#8220;Annex A &#8212; Nasdaq-100</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>&#8221; beginning on page 23.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>All payments are subject to our credit risk.  If we default on our obligations, you could lose some or all of your investment</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>These securities are not secured obligations and you will not have any security interest in, or otherwise have any access to, any securities included in any of the underlyings.</font></FONT></FONT></P>
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                <P style="line-height: 7.5pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>The current estimated value of the securities is approximately $963.40 per security, or within $45.00 of that estimate.  The estimated value of the securities is determined using our own pricing and valuation models, market inputs and assumptions relating to the underlyings, instruments based on the underlyings, 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. See &#8220;Estimated Value of the Securities&#8221; on page 4.</font></FONT></P>
                <P style="line-height: 11.0pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The securities have complex features and investing in the securities involves risks not associated with an investment in ordinary debt securities.  See &#8220;Risk Factors&#8221; beginning on page 12.  All payments on the securities are subject to our credit risk.</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 7.5pt; padding-left: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 6.5pt; "><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: 7.5pt; padding-left: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>The securities are not deposits or savings accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency or instrumentality, nor are they obligations of, or guaranteed by, a bank. </font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 7.5pt; padding-left: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>You should read this document together with the related product supplement for principal at risk securities, 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 Information About the Securities&#8221; at the end of this document.</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 7.5pt; padding-left: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 6.5pt; "><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>
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Commissions and offering price:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.50pt solid black; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Price to public</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.50pt solid black; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Agent&#8217;s commissions</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>(1)(2)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.50pt solid black; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Proceeds to us</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>(3)</font></FONT></P>
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                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; padding-left: 44.77pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Per security</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  1.50pt solid black; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  1.50pt solid black; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$23.25</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  1.50pt solid black; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$976.75</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  0.75pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; padding-left: 44.77pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Total</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
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                <P style="margin-top: 0.0pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-style: italic; font-size: 6.5pt; ">(1)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Wells Fargo Securities, LLC, an agent for this offering, will receive a commission of up to $23.25 for each security it sells.  Dealers, including Wells Fargo Advisors (&#8220;WFA&#8221;), may receive a selling concession of up to $17.50 per security, and WFA may receive a distribution expense fee of $0.75 for each security sold by WFA.  See &#8220;Supplemental information concerning plan of distribution; conflicts of interest.&#8221;  </font></FONT></FONT></P>
                <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-style: italic; font-size: 6.5pt; ">(2)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>In respect of certain securities sold in this offering, we may pay a fee of up to $3.00 per security to selected securities dealers in consideration for marketing and other services in connection with the distribution of the securities to other securities dealers.</font></FONT></FONT></P>
                <P style="margin-top: 1.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-style: italic; font-size: 6.5pt; ">(3)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>See &#8220;Use of Proceeds and Hedging&#8221; in the accompanying product supplement.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: center; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010323016341/dp202703_424b2-wffpar.htm" style="word-break: break-all; "><FONT style="font-family: Times New Roman, Times, 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 Principal at Risk Securities dated November 16, 2023</font></U></FONT></A><FONT style="font-family: Times New Roman, Times, 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: Times New Roman, Times, 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: Times New Roman, Times, 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></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: center; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010324005205/dp209505_424b2-base.htm" style="word-break: break-all; "><FONT style="font-family: Times New Roman, Times, 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 </font></U><U><font style='white-space: pre-wrap;'>April 12, 2024</font></U></FONT></A></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.5pt; width: 325.68pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.5pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.5pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.5pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.5pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.5pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.5pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.5pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.5pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Wells Fargo Securities</font></FONT></P>
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Terms</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  0.75pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Issuer:</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  0.75pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Guarantor:</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Maturity date:</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>January 3, 2029*, subject to postponement if the final calculation day is postponed</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Underlyings:</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index (the &#8220;SPX Index&#8221;), Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;Index (the &#8220;RTY Index&#8221;) and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> (the &#8220;NDXT Index&#8221;)</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Contingent coupon payment: </font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On each contingent coupon payment date, you will receive a contingent coupon payment at a per-annum rate equal to the contingent coupon rate </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if, and only if</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, the closing level of the lowest performing underlying on the related calculation day is greater than or equal to its coupon threshold level. Each &#8220;contingent coupon payment&#8221;, if any, will be calculated per security as follows: ($1,000 &#215; contingent coupon rate) / 12. Any contingent coupon payment will be rounded to the nearest cent, with one-half cent rounded upward.</font></FONT></P>
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; margin-left: -1.26pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the closing level of the lowest performing underlying on any calculation day is less than its coupon threshold level, you will not receive any contingent coupon payment on the related contingent coupon payment date. If the closing level of the lowest performing underlying is less than its coupon threshold level on all monthly calculation days, you will not receive any contingent coupon payments over the term of the securities.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Contingent coupon payment dates:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; margin-left: -1.26pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Three business days after the applicable calculation day.**</font></FONT></P>
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                        </TD>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Contingent coupon rate:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; margin-left: -1.26pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The &#8220;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>contingent coupon rate</font></U></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; will be determined on the pricing date and will be at least 8.45% </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>per annum</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT></P>
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                        </TD>
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                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Automatic call</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; margin-left: -1.26pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities are not subject to automatic call until approximately six months after the original issue date. Following this 6-month non-call period, if, on any calculation day (other than the final calculation day), beginning in June 2026, the closing level of each underlying is greater than or equal to its respective starting level, the securities will be automatically called for a cash payment per security equal to the face amount </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> a final contingent coupon payment on the related call settlement date. </font></FONT></P>
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; margin-left: -1.26pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities will not be automatically called on any call settlement date if the closing level of any underlying is below its respective starting level on the related calculation day.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT></P>
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; margin-left: -1.26pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Any positive return on the securities will be limited to the contingent coupon payments, if any, even if the closing level of any underlying on the applicable calculation day significantly exceeds its starting level. You will not participate in any appreciation of any underlying.</font></FONT></P>
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                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Calculation days:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Monthly, on the 28</font></FONT><FONT style="font-family: Times New Roman, Times, serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>th</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> of each month, commencing in January 2026 and ending on the final calculation day. We also refer to the December 2028 calculation day as the final calculation day.***</font></FONT></P>
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                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Call settlement date:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Three business days after the applicable calculation day.*** </font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Times New Roman, Times, serif; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Maturity payment amount:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the securities are not automatically called, you will be entitled to receive on the maturity date a cash payment per security equal to the maturity payment amount (in addition to the final contingent coupon payment, if payable). The &#8220;maturity payment amount&#8221; per security will equal: </font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if the closing level of </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>each</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>underlying </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>on the final calculation day is</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> its respective downside threshold level: </font></FONT></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; padding-left: 39.6pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000; or</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if the closing level of </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>any underlying</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> on the final calculation day is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> its respective downside threshold level:</font></FONT></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; padding-left: 39.6pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; performance factor of the lowest performing underlying on the final calculation day </font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Under these circumstances, you will lose more than 30%, and possibly all, of your investment.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Lowest performing underlying:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On any calculation day, the underlying with the lowest performance factor on that calculation day</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Performance factor:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to each underlying, on any calculation day, the closing level on such calculation day </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>divided by</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the starting level</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="line-height: 11.0pt; text-indent: 0.06pt; margin-top: 0; margin-bottom: 0; margin-left: -0.06pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Starting level:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="line-height: 11.0pt; text-indent: -10.34pt; padding-left: 10.34pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the SPX Index:         , its closing level on the pricing date</font></FONT></P>
                            <P style="line-height: 11.0pt; text-indent: -10.34pt; padding-left: 10.34pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the RTY Index:         , its closing level on the pricing date</font></FONT></P>
                            <P style="line-height: 11.0pt; text-indent: -10.34pt; padding-left: 10.34pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>NDXT Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>:         , its closing level on the pricing date&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; margin-right: -14.85pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 452.68pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>2</FONT></FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="158.40pt" style="width: 158.40pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="430.65pt" style="width: 430.65pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="4.95pt" style="width: 4.95pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.00pt" style="width: 0.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Coupon </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; color: black; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>threshold level:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the SPX Index:         , which is equal to 70% of its starting level</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the RTY Index:         , which is equal to 70% of its starting level</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the NDXT Index:         , which is equal to 70% of its starting level</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Downside threshold level:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the SPX Index:         , which is equal to 70% of its starting level</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the RTY Index:         , which is equal to 70% of its starting level</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the NDXT Index:         , which is equal to 70% of its starting level</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Face amount:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 per security.  References in this document to a &#8220;security&#8221; are to a security with a face amount of $1,000.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Pricing date:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 29, 2025 *</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Original issue date:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>January 2, 2026 * (3 business days after the pricing date)</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>CUSIP / ISIN:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>61779TN45 / US61779TN453</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Listing:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities will not be listed on any securities exchange.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.50pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Agents:</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC (&#8220;MS &amp; Co.&#8221;), an affiliate of MSFL and a wholly owned subsidiary of Morgan Stanley, and Wells Fargo Securities, LLC (&#8220;WFS&#8221;).  See &#8220;Additional Information About the Securities&#8212;Supplemental information regarding plan of distribution; conflicts of interest.&#8221;</font></FONT></P>
                        </TD>
                        <TD>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.50pt solid #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 10.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>*To the extent we make any change to the pricing date or original issue date, the calculation days and maturity date may also be changed in our discretion to ensure that the term of the securities remains the same.</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 10.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>** Subject to postponement pursuant to &#8220;General Terms of the Securities&#8212;Payment Dates&#8221; in the accompanying product supplement for principal at risk securities.</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 10.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>*** Subject to postponement pursuant to &#8220;General Terms of the Securities&#8212;Consequences of a Market Disruption Event; Postponement of a Calculation Day&#8221; in the accompanying product supplement for principal at risk securities.</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; margin-right: -14.85pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 452.68pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>3</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; 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: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #5E8AB4; vertical-align: middle; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Estimated </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Value of the Securities</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>The face amount of each security is $1,000.  This price includes costs associated with issuing, selling, structuring and hedging the securities, which are borne by you, and, consequently, the estimated value of the securities on the pricing date will be less than $1,000 per security.  We estimate that the value of each security on the pricing date will be approximately $963.40, or within $45.00 of that estimate.  Our estimate of the value of the securities as determined on the pricing date will be set forth in the final pricing supplement.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>What goes into the estimated value on the pricing date?</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>In valuing the securities on the pricing date, we take into account that the securities comprise both a debt component and a performance-based component linked to the underlyings.  The estimated value of the securities is determined using our own pricing and valuation models, market inputs and assumptions relating to the underlyings, instruments based on the underlyings, volatility and other factors including current and expected interest rates, as well as an interest rate related to our secondary market credit spread, which is the implied interest rate at which our conventional fixed rate debt trades in the secondary market.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>What determines the economic terms of the securities?</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>In determining the economic terms of the securities, including the contingent coupon rate, the coupon threshold levels and the downside threshold levels, we use an internal funding rate which is likely to be lower than our secondary market credit spreads and therefore advantageous to us.  If the issuing, selling, structuring and hedging costs borne by you were lower or if the internal funding rate were higher, one or more of the economic terms of the securities would be more favorable to you.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>What is the relationship between the estimated value on the pricing date and the secondary market price of the securities?</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>The price at which MS &amp; Co. purchases the securities in the secondary market, absent changes in market conditions, including those related to the underlyings, may vary from, and be lower than, the estimated value on the pricing date, because the secondary market price takes into account our secondary market credit spread as well as the bid-offer spread that MS &amp; Co. would charge in a secondary market transaction of this type and other factors.  However, because the costs associated with issuing, selling, structuring and hedging the securities are not fully deducted upon issuance, for a period of up to 3 months following the issue date, to the extent that MS &amp; Co. may buy or sell the securities in the secondary market, absent changes in market conditions, including those related to the underlyings, and to our secondary market credit spreads, it would do so based on values higher than the estimated value.  We expect that those higher values will also be reflected in your brokerage account statements.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. may, but is not obligated to, make a market in the securities and, if it once chooses to make a market, may cease doing so at any time.</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>4</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                        <TD width="594.00pt" style="width: 594.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #5E8AB4; vertical-align: middle; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Investor </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Considerations</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029 (the &#8220;securities&#8221;) may be appropriate for investors who:</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Seek an investment with contingent coupon payments at a rate of at least 8.45% </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>per annum</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> (to be determined on the pricing date) until the earlier of the maturity date or automatic call, </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if, and only if</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, the closing level of each underlying on the applicable monthly calculation day is greater than or equal to 70% of its starting level;  </font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Understand that if the closing level of any underlying on the final calculation day has declined by more than 30% from its starting level, they will be fully exposed to the decline in the lowest performing underlying from its starting level and will lose more than 30%, and possibly all, of the face amount of their securities at maturity;  </font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Are willing to accept the risk that they may receive few or no contingent coupon payments over the term of the securities;</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Understand that the securities may be automatically called prior to the maturity date and that the term of the securities may be as short as approximately six months;</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Understand that the return on the securities will depend solely on the performance of the underlying that is the lowest performing underlying on each calculation day and that they will not benefit in any way from the performance of the better performing underlyings;</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Understand that the securities are riskier than alternative investments linked to only one of the underlyings or linked to a basket composed of each underlying;</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Understand and are willing to accept the full downside risks of each underlying; </font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Are willing to forgo participation in any appreciation of any underlying, fixed interest payments on the securities and dividends on securities included in the underlyings; and</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Are willing to hold the securities until maturity.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities are not designed for, and may not be an appropriate investment for, investors who:</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Seek a liquid investment or are unable or unwilling to hold the securities to maturity;</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Require full payment of the face amount of the securities at maturity;</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Seek a security with a fixed term;</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Are unwilling to accept the risk that the closing level of any underlying on the final calculation day may decline by more than 30% from its respective starting level to its closing level on the final calculation day, in which case they will lose a significant portion or all of their investment;</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Seek current income;</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Are unwilling to accept the risk of exposure to each of the underlyings;</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Seek exposure to a basket composed of each underlying or a similar investment in which the overall return is based on a blend of the performances of the underlyings, rather than solely on the lowest performing underlying;</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Seek exposure to the upside performance of any or each underlying; </font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Are unwilling to accept our credit risk; or</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Prefer the lower risk of fixed income investments with comparable maturities issued by companies with comparable credit ratings.</font></FONT></FONT></P>
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                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The considerations identified above are not exhaustive. Whether or not the securities are an </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>appropriate </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>investment for you will depend on your individual circumstances, and you should reach an investment decision only after you and your investment, legal, tax, accounting and other advisors have carefully considered the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>appropriateness </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>of an investment in the securities in light of your particular circumstances. You should also review carefully the &#8220;Risk Factors&#8221; herein and in the accompanying product supplement for risks related to an investment in the securities. For more information about the underlyings, please see the sections titled &#8220;S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index Overview,&#8221; &#8220;Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index Overview&#8221; and &#8220;Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Overview&#8221; below.</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>5</FONT></FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="594.00pt" style="width: 594.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #5E8AB4; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Determining </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Payment on a Contingent Coupon Payment Date and on the Maturity Date </font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the securities have not been previously automatically called, on each monthly contingent coupon payment date, you will either receive a contingent coupon payment or you will not receive a contingent coupon payment, depending on the closing level of the lowest performing underlying on the related monthly calculation day.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Step 1</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>: Determine which underlying is the lowest performing underlying on the relevant determination. The lowest performing underlying on any calculation day is the underlying with the lowest performance factor on that calculation day.  The performance factor of an underlying on a calculation day is its closing level on that calculation day as a percentage of its starting level (i.e., its closing level on that calculation day </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>divided by</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> its starting level). </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Step 2</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>: Determine whether a contingent coupon payment is paid on the applicable contingent coupon payment date based on the closing level of the lowest performing underlying on the relevant calculation day, as follows:</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">                        <IMG width="594.00pt" height="232.49pt" src="image1.gif" style="width: 594.00pt; height: 232.49pt; ">
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>6</FONT></FONT></P>
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                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On the maturity date, if the securities have not been automatically called prior to the maturity date, you will receive (in addition to the final contingent coupon payment, if any) a cash payment per security (the maturity payment amount) calculated as follows:</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Step 1</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>: Determine which underlying is the lowest performing underlying on the final calculation day. The lowest performing underlying on the final calculation day is the underlying with the lowest performance factor on the final calculation day.  The performance factor of an underlying on the final calculation day is its closing level as a percentage of its starting level (i.e., its closing level on the final calculation day </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>divided by</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> its starting level). </font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 9.9pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Step 2</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>: Calculate the maturity payment amount based on the closing level of the lowest performing underlying on the final calculation day, as follows:</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 9.9pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">                        <IMG width="594.00pt" height="282.15pt" src="image2.gif" style="width: 594.00pt; height: 282.15pt; ">
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>7</FONT></FONT></P>
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                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Hypothetical </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Payout Profile</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The hypothetical payout profile below illustrates the maturity payment amount on the securities for a range of hypothetical performances of the lowest performing underlying from its respective starting level to its respective closing level on the final calculation day. The hypothetical payout profile excludes any hypothetical contingent coupon payments.</font></FONT></P>
                <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">                        <IMG width="548.63pt" height="410.85pt" src="image3.gif" style="width: 548.63pt; height: 410.85pt; ">
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>8</FONT></FONT></P>
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                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Scenario </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Analysis and Examples of Hypothetical Payments on the Securities </font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following hypothetical examples illustrate how to determine whether a contingent coupon payment is paid with respect to a calculation day and how to calculate the payment at maturity, if any, if the securities have not been automatically called.  The following examples are for illustrative purposes only.  Whether you receive a contingent coupon payment will be determined by reference to the closing level of each underlying on each calculation day, and the amount you will receive at maturity, if any, will be determined by reference to the closing level of each underlying on the final calculation day.  The actual starting level, coupon threshold level and downside threshold level for each underlying and the actual contingent coupon rate will be determined on the pricing date.  All payments on the securities, if any, are subject to our credit risk.  The numbers in the hypothetical examples below may have been rounded for the ease of analysis.  The below examples are based on the following terms*:</font></FONT></P>
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                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical contingent coupon payment:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On each contingent coupon payment date, you will receive a contingent coupon payment at a per-annum rate equal to the contingent coupon rate </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if, and only if</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, the closing level of the lowest performing underlying on the related calculation day is greater than or equal to its coupon threshold level. If payable, the contingent coupon payment will be an amount in cash per face amount corresponding to a return of 8.45% </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>per annum</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> for each interest payment period for each applicable calculation day. These hypothetical examples reflect a hypothetical contingent monthly coupon rate of 8.45% (corresponding to $7.042 per month per security**). </font></FONT></P>
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                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical starting level:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the SPX Index: 100</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the RTY Index: 100</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the NDXT Index: 100</font></FONT></P>
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                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical coupon threshold 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: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the SPX Index: 70, which is 70% of its hypothetical starting level</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the RTY Index: 70, which is 70% of its hypothetical starting level</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the NDXT Index: 70, which is 70% of its hypothetical starting level</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: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical downside threshold 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: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the SPX Index: 70, which is 70% of its hypothetical starting level</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the RTY Index: 70, which is 70% of its hypothetical starting level</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the NDXT Index: 70, which is 70% of its hypothetical starting level</font></FONT></P>
                        </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; line-height: 10.0pt; text-indent: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>*The hypothetical starting level of 100 for the underlyings has been chosen for illustrative purposes only and does not represent the actual starting level of any underlying.  The actual starting levels, coupon threshold levels and downside threshold levels will be determined on the pricing date and will be set forth under &#8220;Terms&#8221; above.  For historical data regarding the actual closing levels of the underlyings, see the historical information set forth herein.</font></FONT></P>
                            <P style="margin-top: 6.6pt; line-height: 10.0pt; text-indent: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>**The actual contingent coupon payment will be an amount determined by the calculation agent based on the actual contingent coupon rate. The hypothetical contingent monthly coupon of $7.042 is used in these examples for ease of analysis.</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>9</FONT></FONT></P>
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        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 11.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>How to determine whether a contingent coupon payment is payable with respect to a </font></U><U><font style='white-space: pre-wrap;'>calculation day</font></U><U><font style='white-space: pre-wrap;'>:</font></U></FONT></P>
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="158.40pt" style="width: 158.40pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="102.96pt" style="width: 102.96pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="102.96pt" style="width: 102.96pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="102.96pt" style="width: 102.96pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="126.72pt" style="width: 126.72pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Date</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>SPX Index Closing Level</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>RTY Index Closing Level</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>NDXT Index Closing Level</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Contingent Coupon Payment (per Security)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical  Calculation Day 1</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>90 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>125 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>135 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$7.042</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 2</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>60 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>90 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>120 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 3</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>90 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>50 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>110 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 4</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>60 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>55 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the coupon threshold level)</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>65 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On hypothetical calculation day 1, the closing level of each underlying is at or above the respective coupon threshold level.  Therefore, a contingent coupon payment of $7.042 is paid on the relevant contingent coupon payment date. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On each of hypothetical calculation days 2 and 3, at least one underlying closes at or above its respective coupon threshold level, but one or both of the other underlyings close below their respective coupon threshold levels. Therefore, no contingent coupon payment is paid on the relevant contingent coupon payment date. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On hypothetical calculation day 4, each underlying closes below its respective coupon threshold level, and, accordingly no contingent monthly coupon is paid on the relevant coupon payment date. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the closing level of any underlying is less than its respective coupon threshold level on each calculation day, you will not receive any contingent coupon payments for the entire term of the securities. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 11.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>How to calculate the payment investors will receive at maturity</font></U><U><font style='white-space: pre-wrap;'> (if the securities have not been automatically redeemed)</font></U><U><font style='white-space: pre-wrap;'>:</font></U></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Starting after six months, if the closing level of each underlying is greater than or equal to its starting level on any calculation day, the securities will be automatically called for </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>a cash payment per security equal to the face amount </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> a final contingent coupon payment</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The examples below illustrate how to calculate the payment at maturity if the securities have not been automatically redeemed prior to maturity</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>SPX Index Closing Level on Final Calculation Day</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>RTY Index Closing Level on Final Calculation Day</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>NDXT Index Closing Level on Final Calculation Day</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Maturity Payment Amount (per Security)</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 1:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>150 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>its downside threshold level and coupon threshold level)</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>140 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>its downside threshold level and coupon threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>142 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>its downside threshold level and coupon threshold level)</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,007.042 (the face amount </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the final contingent coupon payment)</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 2:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>125 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>its</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> downside </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>threshold level)</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>40 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> its downside</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>threshold level)</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>120 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>its</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>downside threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; (40 / 100) = $400</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 3:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>20 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> its</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> downside </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>80 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>its downside threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>120 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>its</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>downside threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; (20 / 100) = $200</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 4:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>45 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> its</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> downside </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>50 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> its</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>downside threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>20 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> its downside threshold level)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; (20 / 100) = $200</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In example 1, the closing level of each underlying on the final calculation day is at or above its respective downside threshold level and coupon threshold level.  Therefore, investors receive at maturity a cash payment per security equal to the face amount of the securities, in addition to the final contingent coupon payment.  Investors do not participate in any appreciation in any underlying.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In example 2, the closing levels of two of the underlyings on the final calculation day are at or above their downside threshold levels, but the closing level of the other underlying on the final calculation day is below its respective downside threshold level.  Therefore, investors are exposed to the downside performance of the lowest performing underlying at maturity.  Investors receive at maturity an </font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>10</FONT></FONT></P>
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                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>amount equal to the face amount </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>multiplied by</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the performance factor of the RTY Index, which is the lowest performing underlying in this example.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In example 3, the closing levels of two of the underlyings on the final calculation day are at or above their downside threshold levels and the closing level of the other underlying on the final calculation day is below its respective downside threshold level.  Therefore, investors are exposed to the downside performance of the lowest performing underlying at maturity. Investors receive at maturity an amount equal to the face amount the performance factor of the SPX Index, which is the lowest performing underlying in this example.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In example 4, the closing level of each underlying on the final calculation day is below its respective downside threshold level, and investors receive at maturity an amount equal to the face amount </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>multiplied by </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the performance factor of the lowest performing underlying.  Therefore, the maturity payment amount equals the face amount </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>multiplied by</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the performance factor of the NDXT Index, which is the lowest performing underlying in this example. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the closing level of any underlying on the final calculation day is below its respective downside threshold level, you will be exposed to the downside performance of the lowest performing underlying at maturity, and your maturity payment amount will be less than 70% of the face amount per security and could be zero.</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>11</FONT></FONT></P>
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                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Risk </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Factors</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This section describes the material risks relating to the securities.  For further discussion of these and other risks, you should read the section entitled &#8220;Risk Factors&#8221; in the accompanying product supplement for principal at risk securities, 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 securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Times New Roman, Times, serif; color: #AF1E23; font-size: 12.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to an Investment in the Securities</font></U></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>The securities do not guarantee the return of the face amount of your securities at maturity.  </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The terms of the securities differ from those of ordinary debt securities in that they do not guarantee the return of the face amount of your securities at maturity.  If the securities have not been automatically called and if the closing level of </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>any underlying </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>on the final calculation day is less than its respective downside threshold level of 70% of its starting level, you will be exposed to the decline in the value of the lowest performing underlying, as compared to its starting level, on a 1-to-1 basis, and you will receive for each security that you hold at maturity an amount equal to the face amount </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>multiplied by </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the performance factor of the lowest performing underlying.  In this case, you will lose more than 30%, and possibly all, of the face amount of your securities at maturity.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities do not provide for the regular payment of interest.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The terms of the securities differ from those of ordinary debt securities in that they do not provide for the regular payment of interest. Instead, the securities will pay a contingent coupon payment </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>but only if</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the closing level of each underlying is at or above its respective coupon threshold level on the related calculation day. If the closing level of </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>any</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> underlying is lower than its coupon threshold level on the relevant calculation day for any interest period, we will pay no contingent coupon payment on the applicable contingent coupon payment date. It is possible that the closing level of any underlying will be less than its respective coupon threshold level for extended periods of time or even throughout the entire term of the securities so that you will receive few or no contingent coupon payments. If you do not earn sufficient contingent coupon payments over the term of the securities, the overall return on the securities may be less than the amount that would be paid on a conventional debt security of ours of comparable maturity. </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The contingent coupon payment, if any, is based on the value of each underlying on only the related monthly calculation day at the end of the related interest period. </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Whether the contingent coupon payment will be paid on any contingent coupon payment date will be determined at the end of the relevant interest period based on the closing level of each underlying on the relevant monthly calculation day. As a result, you will not know whether you will receive the contingent coupon payments on any contingent coupon payment date until near the end of the relevant interest period. Moreover, because the contingent coupon payment is based solely on the value of each underlying on the monthly calculation days, if the closing level of any underlying on any calculation day date is below the coupon threshold level for such underlying, you will not receive the contingent coupon payment for the related interest period, even if the level of such underlying was at or above its respective coupon threshold level on other days during that interest period, and even if the closing levels(s) of one or both of the other underlyings are at or above their respective coupon threshold level(s). </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>Investors will not participate in any appreciation in any underlying.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>  Investors will not participate in any appreciation in any underlying from the starting level for such underlying, and the return on the securities will be limited to the contingent coupon payments, if any, that are paid with respect to each calculation day on which the closing level of each underlying is greater than or equal to its respective coupon threshold level, if any.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>The market price will be influenced by many unpredictable factors.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  Several factors, many of which are beyond our control, will influence the value of the securities in the secondary market and the price at which MS &amp; Co. may be willing to purchase or sell the securities in the secondary market.  We expect that generally the level of interest rates available in the market and the value of each </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>underlying</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> on any day, including in relation to its respective starting level, coupon threshold level and downside threshold level, will affect the value of the securities more than any other factors.  Other factors that may influence the value of the securities include:</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the volatility (frequency and magnitude of changes in value) of the underlyings,</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>whether the closing level of any underlying has been below its respective coupon threshold level on any calculation day, </font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>geopolitical conditions and economic, financial, political, regulatory or judicial events that affect the component stocks of the underlyings or securities markets generally and which may affect the value of each underlying,</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>dividend rates on the securities underlying the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>underlying</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>s,</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the time remaining until the securities mature,</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>interest and yield rates in the market,</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the availability of comparable instruments,</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the composition of the underlyings and changes in the constituent stocks of such underlyings, and</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>any actual or anticipated changes in our credit ratings or credit spreads.</font></FONT></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>12</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Generally, the longer the time remaining to maturity, the more the market price of the securities will be affected by the other factors described above.  Some or all of these factors will influence the price that you will receive if you sell your securities prior to maturity</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.  </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In particular, if any underlying has closed near or below its coupon threshold level, and especially if any underlying has closed near or below its downside threshold level, the market value of the securities is expected to decrease substantially, and you may have to sell your securities at a substantial discount from the face amount of your securities. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You cannot predict the future performance of any underlying based on its historical performance.  The value of any underlying may decrease and be below the respective coupon threshold level for such underlying on each calculation day so that you will receive no return on your investment, and any or all of the underlyings may close below the respective downside threshold level(s) on the final calculation day so that you will lose a significant portion or all of your initial investment in the securities. There can be no assurance that the closing level of each underlying will be at or above the respective coupon threshold level on any calculation day so that you will receive a coupon payment on the securities for the applicable interest period, or that it will be at or above its respective downside threshold level on the final calculation day so that you do not suffer a significant loss on your initial investment in the securities. </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>See</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index Overview,&#8221;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> &#8220;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index Overview&#8221; and </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Overview&#8221;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities are subject to our credit risk, and any actual or anticipated changes to our credit ratings or credit spreads may adversely affect the market value of the securities.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  You are dependent on our ability to pay all amounts due on the securities upon an automatic call, on any contingent coupon payment date or at maturity, and therefore you are subject to our credit risk.  If we default on our obligations under the securities, your investment would be at risk and you could lose some or all of your investment.  As a result, the market value of the securities prior to maturity will be affected by changes in the market&#8217;s view of our creditworthiness.  Any actual or anticipated decline in our credit ratings or increase in the credit spreads charged by the market for taking our credit risk is likely to adversely affect the market value of the securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>As a finance subsidiary, MSFL has no independent operations and will have no independent assets. </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> As a finance subsidiary, MSFL has no independent operations beyond the issuance and administration of its securities and will have no independent assets available for distributions to holders of MSFL securities if they make claims in respect of such securities in a bankruptcy, resolution or similar proceeding.  Accordingly, any recoveries by such holders will be limited to those available under the related guarantee by Morgan Stanley and that guarantee will rank </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>pari passu</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> with all other unsecured, unsubordinated obligations of Morgan Stanley. Holders will have recourse only to a single claim against Morgan Stanley and its assets under the guarantee. Holders of securities issued by MSFL should accordingly assume that in any such proceedings they would not have any priority over and should be treated </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>pari passu</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> with the claims of other unsecured, unsubordinated creditors of Morgan Stanley, including holders of Morgan Stanley-issued securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Investing in the securities is not equivalent to investing in the underlyings.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  Investing in the securities is not equivalent to investing in the underlyings or the component stocks or any underlying.  Investors in the securities will not participate in any positive performance of any underlying, and will not have voting rights or rights to receive dividends or other distributions or any other rights with respect to the stocks that constitute any underlying.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Reinvestment risk.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  The term of your investment in the securities may be shortened due to the automatic call feature of the securities.  If the securities are called prior to maturity, you will receive no further payments on the securities and may be forced to invest in a lower interest rate environment and may not be able to reinvest at comparable terms or returns.  </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>However, under no circumstances will the securities be called within the first six months of the term of the securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The rate we are willing to pay for securities of this type, maturity and issuance size is likely to be lower than the rate implied by our secondary market credit spreads and advantageous to us.  Both the lower rate and the inclusion of costs associated with issuing, selling, structuring and hedging the securities in the face amount reduce the economic terms of the securities, cause the estimated value of the securities to be less than the face amount and will adversely affect secondary market prices.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  Assuming no change in market conditions or any other relevant factors, the prices, if any, at which dealers, including MS &amp; Co., may be willing to purchase the securities in secondary market transactions will likely be significantly lower than the face amount, because secondary market prices will exclude the issuing, selling, structuring and hedging-related costs that are included in the face amount and borne by you and because the secondary market prices will reflect our secondary market credit spreads and the bid-offer spread that any dealer would charge in a secondary market transaction of this type as well as other factors.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The inclusion of the costs of issuing, selling, structuring and hedging the securities in the face amount and the lower rate we are willing to pay as issuer make the economic terms of the securities less favorable to you than they otherwise would be.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>However, because the costs associated with issuing, selling, structuring and hedging the securities are not fully deducted upon issuance, for a period of up to 3 months following the issue date, to the extent that MS &amp; Co. may buy or sell the securities in the secondary market, absent changes in market conditions, including those related to the underlyings, 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>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>13</FONT></FONT></P>
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                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The estimated value of the securities is determined by reference to our pricing and valuation models, which may differ from those of other dealers and is not a maximum or minimum secondary market price. </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> These pricing and valuation models are proprietary and rely in part on subjective views of certain market inputs and certain assumptions about future events, which may prove to be incorrect.  As a result, because there is no market-standard way to value these types of securities, our models may yield a higher estimated value of the securities than those generated by others, including other dealers in the market, if they attempted to value the securities.  In addition, the estimated value on the pricing date does not represent a minimum or maximum price at which dealers, including MS &amp; Co., would be willing to purchase your securities in the secondary market (if any exists) at any time.  The value of your securities at any time after the date of this document will vary based on many factors that cannot be predicted with accuracy, including our creditworthiness and changes in market conditions.  See also &#8220;The market price will be influenced by many unpredictable factors&#8221; above.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities will not be listed on any securities exchange and secondary trading may be limited.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  The securities will not be listed on any securities exchange.  Therefore, there may be little or no secondary market for the securities.  MS &amp; Co. and WFS may, but are not obligated to, make a market in the securities and, if either of them once chooses to make a market, may cease doing so at any time.  When they do make a market, they will generally do so for transactions of routine secondary market size at prices based on their respective estimates of the current value of the securities, taking into account their respective bid/offer spreads, 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 they will be able to resell the securities.  Even if there is a secondary market, it may not provide enough liquidity to allow you to trade or sell the securities easily.  Since other broker-dealers may not participate significantly in the secondary market for the securities, the price at which you may be able to trade your securities is likely to depend on the price, if any, at which MS &amp; Co. or WFS is willing to transact.  If, at any time, MS &amp; Co. and WFS were to cease making a market in the securities, it is likely that there would be no secondary market for the securities.  Accordingly, you should be willing to hold your securities to maturity.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The calculation agent, which is a subsidiary of Morgan Stanley and an affiliate of MSFL, will make determinations with respect to the securities.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  As calculation agent, MS &amp; Co. will determine the starting levels, the coupon threshold levels and the downside threshold levels and will calculate the amount of cash you receive at maturity, if any.  Moreover, certain determinations made by MS &amp; Co., in its capacity as calculation agent, may require it to exercise discretion and make subjective judgments, such as with respect to the occurrence or non-occurrence of market disruption events and the selection of a successor index or calculation of a closing level in the event of a market disruption event or discontinuance of any of the underlyings.  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;General Terms of the Securities&#8212;Market Disruption Events,&#8221; &#8220;&#8212;Adjustments to an Index,&#8221; &#8220;&#8212;Discontinuance of an Index,&#8221; &#8220;General Terms of the Securities&#8212;Consequences of a Market Disruption Event; Postponement of a Calculation Day&#8221; and &#8220;Alternate Exchange Calculation in Case of an Event of Default&#8221; in the accompanying product supplement for principal at risk securities. In addition, MS &amp; Co. has determined the estimated value of the securities on the pricing date.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hedging and trading activity by our affiliates could potentially adversely affect the value of the securities.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  One or more of our affiliates and/or third-party dealers expect to carry out hedging activities related to the securities (and possibly to other instruments linked to the underlyings or the component stocks of the underlyings), including trading in the stocks that constitute the underlyings as well as in other instruments related to the underlyings.  As a result, these entities may be unwinding or adjusting hedge positions during the term of the securities, and the hedging strategy may involve greater and more frequent dynamic adjustments to the hedge as the final calculation day approaches.  Some of our affiliates also trade the stocks that constitute the underlyings and other financial instruments related to the underlyings 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 affect the starting level of an underlying, and, therefore, could increase (i) the level at or above which such underlying must close on the calculation days so that the securities are called for a cash payment equal to the face amount plus a final contingent coupon payment (depending also on the performance of the other underlyings), (ii) the level at or above which such underlying must close on each calculation day in order for you to earn a contingent coupon payment (depending also on the performance of the other underlyings) and (iii) the level at or above which such underlying must close on the final calculation day so that you are not exposed to the negative performance of the lowest performing underlying at maturity (depending also on the performance of the other underlyings). Additionally, such hedging or trading activities during the term of the securities could potentially affect the value of any underlying on the calculation days, and, accordingly, whether we call the securities prior to maturity, whether we pay a contingent coupon payment on the securities and the amount of cash you will receive at maturity, if any.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The maturity date may be postponed if the final calculation day is postponed.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  If the scheduled final calculation day is not a trading day or if a market disruption event occurs on that day so that the final calculation day is postponed and falls less than three business days prior to the maturity date, the maturity date of the securities will be postponed to the third business day following that final calculation day as postponed.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Potentially inconsistent research, opinions or recommendations by Morgan Stanley, MSFL, WFS or our or their respective affiliates. </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Morgan Stanley, MSFL, WFS and our or their respective affiliates may publish research from time to time </font></FONT></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>14</FONT></FONT></P>
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                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; "><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>on financial markets and other matters that may influence the value of the securities, or express opinions or provide recommendations that are inconsistent with purchasing or holding the securities.  Any research, opinions or recommendations expressed by Morgan Stanley, MSFL, WFS or our or their respective affiliates may not be consistent with each other and may be modified from time to time without notice. Investors should make their own independent investigation of the merits of investing in the securities and the underlyings to which the securities are linked.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The U.S. federal income tax consequences of an investment in the securities are uncertain.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  There is no direct legal authority as to the proper treatment of the securities for U.S. federal income tax purposes, and, therefore, significant aspects of the tax treatment of the securities are uncertain.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Please read the discussion under &#8220;Additional Information About the Securities&#8212;Tax considerations&#8221; in this document concerning the U.S. federal income tax consequences of an investment in the securities.  We intend to treat a security for U.S. federal income tax purposes as a single financial contract that provides for a coupon that will be treated as gross income to you at the time received or accrued, in accordance with your regular method of tax accounting.  Under this treatment, the ordinary income treatment of the coupon payments, in conjunction with the capital loss treatment of any loss recognized upon the sale, exchange or settlement of the securities, could result in adverse tax consequences to holders of the securities because the deductibility of capital losses is subject to limitations.  We do not plan to request a ruling from the Internal Revenue Service (the &#8220;IRS&#8221;) regarding the tax treatment of the securities, and the IRS or a court may not agree with the tax treatment described herein.   If the IRS were successful in asserting an alternative treatment for the securities, the timing and character of income or loss on the securities might differ significantly from the tax treatment described herein.   For example, under one possible treatment, the IRS could seek to recharacterize the securities as debt instruments.  In that event, U.S. Holders (as defined below) would be required to accrue into income original issue discount on the securities every year at a &#8220;comparable yield&#8221; determined at the time of issuance (as adjusted based on the difference, if any, between the actual and the projected amount of any contingent payments on the securities) and recognize all income and gain in respect of the securities as ordinary income.  The risk that financial instruments providing for buffers, triggers or similar downside protection features, such as the securities, would be recharacterized as debt is greater than the risk of recharacterization for comparable financial instruments that do not have such features.  Moreover, future legislation, Treasury regulations or IRS guidance could adversely affect the U.S. federal tax consequences of an investment in the securities, possibly retroactively.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Non-U.S. Holders (as defined below) should note that we currently intend to withhold on any coupon paid to Non-U.S. Holders generally at a rate of 30%, or at a reduced rate specified by an applicable income tax treaty under an &#8220;other income&#8221; or similar provision, and will not be required to pay any additional amounts with respect to amounts withheld.  </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Both U.S. and Non-U.S. Holders should consult their tax advisers regarding the U.S. federal income tax consequences of an investment in the securities, including possible alternative treatments, as well as tax consequences arising under the laws of any state, local or non-U.S. taxing jurisdiction.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Times New Roman, Times, serif; color: #AF1E23; font-size: 12.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to the Underlying</font></U><U><font style='white-space: pre-wrap;'>s</font></U></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>You are exposed to the price risk of each underlying.  </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Your return on the securities is not linked to a basket consisting of each underlying.  Rather, it will be contingent upon the independent performance of each underlying. Unlike an instrument with a return linked to a basket of underlying assets, in which risk is mitigated and diversified among all the components of the basket, you will be exposed to the risks related to each underlying.  Poor performance by </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>any underlying </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>over the term of the securities may negatively affect your return and will not be offset or mitigated by any positive performance by the other underlyings.  To receive </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>any</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> contingent coupon payments, </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>each underlying </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>must close at or above its respective coupon threshold level on the applicable calculation day.  In addition, if the securities have not been called and </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>any underlying </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>has declined to below its respective downside threshold level as of the final calculation day, you will be </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>fully exposed</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> to the decline in the lowest performing underlying over the term of the securities on a 1-to-1 basis, even if the other underlyings have appreciated or have not declined as much.  Under this scenario, the value of any such maturity payment amount will be less than 70% of the face amount of your securities and could be zero.  Accordingly, your investment is subject to the price risk of each underlying.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because the securities are linked to the performance of the lowest performing underlying, you are exposed to greater risks of receiving no contingent coupon payments and sustaining a significant loss on your investment than if the securities were linked to just one underlying. </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The risk that you will not receive any contingent</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>coupon payments, or that you will suffer a significant loss on your investment, is greater if you invest in the securities as opposed to substantially similar securities that are linked to the performance of just one underlying. With three underlyings, it is more likely that any underlying will close below its coupon threshold level on any calculation day, and below its downside threshold level on the final calculation day, than if the securities were linked to only one underlying. Therefore, it is more likely that you will not receive any contingent coupon payments and that you will suffer a significant loss on your investment. In addition, because each underlying must close above its starting level on a monthly calculation day in order for the securities to be called prior to maturity, the securities are less likely to be called on any call settlement date than if the securities were linked to just one underlying.</font></FONT></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>15</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities are linked to the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index and are subject to risks associated with small-capitalization companies.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  As the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is one of the underlyings, and the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index consists of stocks issued by companies with relatively small market capitalization, the securities are linked to the value of small-capitalization companies.  These companies often have greater stock price volatility, lower trading volume and less liquidity than large-capitalization companies and therefore the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index may be more volatile than underlyings that consist of stocks issued by large-capitalization companies.  Stock prices of small-capitalization companies are also more vulnerable than those of large-capitalization companies to adverse business and economic developments, and the stocks of small-capitalization companies may be thinly traded.  In addition, small capitalization companies are typically less well-established and less stable financially than large-capitalization companies and may depend on a small number of key personnel, making them more vulnerable to loss of personnel.  Such companies tend to have smaller revenues, less diverse product lines, smaller shares of their product or service markets, fewer financial resources and less competitive strengths than large-capitalization companies and are more susceptible to adverse developments related to their products.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 12.0pt; 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: black; font-size: 12.0pt; background-color: #FFFFFF; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>Investing in the securities exposes investors to risks associated with investments in securities with a concentration in the technology sector.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'> The stocks included in the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; background-color: #FFFFFF; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; background-color: #FFFFFF; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'> are stocks of companies whose primary business is directly associated with the technology sector, including the following sub-sectors: computers and peripherals, software, diversified telecommunication services, communications equipment, semiconductors and semiconductor equipment, internet software and services, IT services, electronic equipment, instruments and components, wireless telecommunication services and office electronics. Because the value of the securities is linked to the performance of the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; background-color: #FFFFFF; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; background-color: #FFFFFF; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>, an investment in the securities exposes investors to risks associated with investments in securities with a concentration in the technology sector.</font></FONT></FONT></P>
                <P style="padding-left: 19.8pt; margin-top: 6.6pt; line-height: 12.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>The values of stocks of technology companies and companies that rely heavily on technology are particularly vulnerable to rapid changes in technology product cycles, rapid product obsolescence, government regulation and competition, both domestically and internationally, including competition from foreign competitors with lower production costs. Technology companies and companies that rely heavily on technology, especially those of smaller, less-seasoned companies, tend to be more volatile than the overall market. Additionally, companies in the technology sector may face dramatic and often unpredictable changes in growth rates and competition for the services of qualified personnel. All of these factors could have an effect on the price of the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; background-color: #FFFFFF; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; background-color: #FFFFFF; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'> and, therefore, on the value of the securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; background-color: #FFFFFF; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Adjustments to the underlyings could adversely affect the value of the securities.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  The publisher of any underlying may add, delete or substitute the stocks constituting such underlying or make other methodological changes that could change the value of such underlying.  The publisher of such underlying may discontinue or suspend calculation or publication of such underlying at any time.  In these circumstances, the calculation agent will have the sole discretion to substitute a successor underlying that is comparable to the discontinued underlying and is permitted to consider underlyings that are calculated and published by the calculation agent or any of its affiliates.  </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>If the calculation agent determines that there is no appropriate successor underlying on any calculation day, the determination of </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>whether a contingent coupon payment will be payable on the securities on the applicable contingent coupon payment date, whether the securities will be called and/or the amount payable at maturity, if any, will be based on the value of such underlying, based on the closing prices of the stocks constituting such underlying at the time of such discontinuance, without rebalancing or substitution, computed by MS &amp; Co. as calculation agent in accordance with the formula for calculating such underlying last in effect prior to such discontinuance, as compared to the relevant starting level, coupon threshold level or downside threshold level, as applicable (depending also on the performance of the other underlyings).</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Historical levels of the underlyings should not be taken as an indication of the future performance of the underlyings during the term of the securities.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  No assurance can be given as to the level of the underlyings at any time, including on the final calculation day, because historical levels of the underlyings do not provide an indication of future performance of the underlyings.</font></FONT></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>16</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 8pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'> Index Overview</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, which is calculated, maintained and published by S&amp;P</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Dow Jones Indices LLC (&#8220;S&amp;P</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221;), is intended to provide a benchmark for performance measurement of the large capitalization segment of the U.S. equity markets by tracking the stock price movement of 500 companies with large market capitalizations. Component stocks of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index are required to have a total company level market capitalization that reflects approximately the 85</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>th</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> percentile of the S&amp;P</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Total Market Index. The S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index measures the relative performance of the common stocks of 500 companies as of a particular time as compared to the performance of the common stocks of 500 similar companies during the base period of the years 1941 through 1943. For additional information about the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, see the information set forth under &#8220;S&amp;P</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> U.S. Indices&#8212;S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8221; in the accompanying index supplement.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following graph sets forth the daily closing levels of the SPX Index for the period from January 1, 2020 through December 4, 2025. The closing level of the SPX Index on December 4, 2025 was 6,857.12.  We obtained the information in the graph below from Bloomberg Financial Markets without independent verification.  The SPX Index has at times experienced periods of high volatility.  You should not take the historical levels of the SPX Index as an indication of its future performance, and no assurance can be given as to the closing level of the SPX Index at any time, including on the calculation days.</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 9.5pt; "><font style='white-space: pre-wrap;'> Index Daily Closing Levels</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>January 1, 2020 to December 4, 2025 </font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-indent: -7.92pt; padding-left: 7.92pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 12.0pt; ">                                    <IMG width="578.16pt" height="281.16pt" src="image4.gif" style="width: 578.16pt; height: 281.16pt; ">
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;Standard &amp; Poor&#8217;s</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;S&amp;P</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;Standard &amp; Poor&#8217;s 500&#8221; and &#8220;500&#8221; are trademarks of Standard and Poor&#8217;s Financial Services LLC. See &#8220;S&amp;P</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> U.S. Indices&#8221; in the accompanying index supplement.</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>17</FONT></FONT></P>
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                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Russell </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 8pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'> Index Overview</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is an index calculated, published and disseminated by FTSE International Limited (&#8220;FTSE Russell&#8221;), and measures the capitalization-weighted price performance of 2,000 U.S. small-capitalization stocks listed on eligible U.S. exchanges. The Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is designed to track the performance of the small-capitalization segment of the U.S. equity market. The companies included in the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index are the middle 2,000 (i.e., those ranked 1,001 through 3,000) of the companies that form the Russell 3000E&#8482; Index. The Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index represents approximately 7% of the U.S. equity market. For additional information about the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, see the information set forth under &#8220;Russell Indices&#8212;Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8221; in the accompanying index supplement.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following graph sets forth the daily closing levels of the RTY Index for the period from January 1, 2020 through December 4, 2025. The closing level of the RTY Index on December 4, 2025 was 2,531.159.  We obtained the information in the graph below from Bloomberg Financial Markets without independent verification.  The RTY Index has at times experienced periods of high volatility.  You should not take the historical levels of the RTY Index as an indication of its future performance, and no assurance can be given as to the closing level of the RTY Index at any time, including on the calculation days.</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index Daily Closing Levels</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>January 1, 2020 to December 4, 2025 </font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-indent: -7.92pt; padding-left: 7.92pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">                                    <IMG width="578.16pt" height="274.82pt" src="image5.gif" style="width: 578.16pt; height: 274.82pt; ">
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8221; and &#8220;Russell 3000E</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>TM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8221; are trademarks of FTSE Russell. For more information, see &#8220;Russell Indices&#8221; in the accompanying index supplement.</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>18</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Nasdaq</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 8pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 8pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'> Overview</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, which is calculated, maintained and published by The Nasdaq OMX Group, Inc. (&#8220;Nasdaq OMX&#8221;), is an equal-weighted index intended to measure the performance of Nasdaq-listed companies that are classified as technology according to the Industry Classification Benchmark. For additional information about the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, see &#8220;Annex A &#8212; Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; below.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following graph sets forth the daily closing levels of the NDXT Index for the period from January 1, 2020 through December 4, 2025. The closing level of the NDXT Index on December 4, 2025 was 12,922.55.  We obtained the information in the graph below from Bloomberg Financial Markets without independent verification.  The NDXT Index has at times experienced periods of high volatility.  You should not take the historical levels of the NDXT Index as an indication of its future performance, and no assurance can be given as to the closing level of the NDXT Index at any time, including on the calculation days.</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #D9D6D6; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Daily Closing Levels</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>January 1, 2020 to December 4, 2025 </font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-indent: -7.92pt; padding-left: 7.92pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">                                    <IMG width="578.16pt" height="277.20pt" src="image6.gif" style="width: 578.16pt; height: 277.20pt; ">
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;Nasdaq</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; and &#8220;Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; are trademarks of Nasdaq, Inc. For more information, see &#8220;Annex A &#8212; Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; below.</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>19</FONT></FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                        </TD>
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                    <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: #5E8AB4; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Additional </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Information About the Securities</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 10.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Minimum ticketing size</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.77pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 / 1 security</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 10.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Tax considerations</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Due to the absence of statutory, judicial or administrative authorities that directly address the treatment of the securities or instruments that are similar to the securities for U.S. federal income tax purposes, no assurance can be given that the IRS or a court will agree with the tax treatment described herein.  We intend to treat a security for U.S. federal income tax purposes as a single financial contract that provides for a coupon that will be treated as gross income to you at the time received or accrued in accordance with your regular method of tax accounting.   In the opinion of our counsel, Davis Polk &amp; Wardwell LLP, this treatment of the securities is reasonable under current law; however, there are other reasonable treatments that the IRS or a court may adopt, in which case the timing and character of any income or loss on the securities could be materially affected. Moreover, our counsel&#8217;s opinion is based on market conditions as of the date of this preliminary pricing supplement and is subject to confirmation on the pricing date. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tax Consequences to U.S. Holders </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Assuming the treatment of the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>as set forth above is respected and subject to the discussion in &#8220;United States Federal Taxation&#8221; in the accompanying product supplement for principal at risk </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, the following U.S. federal income tax consequences should result.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; width: 39.60pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tax</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Basis</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.  A U.S. Holder&#8217;s tax basis in the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>should equal the amount paid by the U.S. Holder to acquire the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; width: 39.60pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tax</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Treatment of Coupon Payments</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.  Any coupon payment on the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>should be taxable as ordinary income to a U.S. Holder at the time received or accrued, in accordance with the U.S. Holder&#8217;s regular method of accounting for U.S. federal income tax purposes.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; width: 39.60pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Sale</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, Exchange or Settlement </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>of the Securities</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.  Upon a sale, exchange or settlement of the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, a U.S. Holder should recognize gain or loss equal to the difference between the amount realized on the sale, exchange or settlement and the U.S. Holder&#8217;s tax basis in the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>sold, exchanged or settled.  For this purpose, the amount realized does not include any coupon paid at settlement and may not include sale proceeds attributable to an accrued coupon, which may be treated in the same manner as a coupon payment.  In general, any such gain or loss recognized should be short-term capital gain or loss if the U.S. Holder has held the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>for six months or less at the time of the sale, exchange or settlement, and should be long-term capital gain or loss otherwise.  The ordinary income treatment of the coupon payments, in conjunction with the capital loss treatment of any loss recognized upon the sale, exchange or settlement of the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, could result in adverse tax consequences to holders of the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>because the deductibility of capital losses is subject to limitations.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>As discussed under &#8220;United States Federal Taxation&#8212; Possible Alternative Tax Treatments of an Investment in the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Securities</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; in the accompanying product supplement for principal at risk </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, alternative U.S. federal income tax treatments of the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>are possible that, if applied, could materially and adversely affect the timing and character of income, gain or loss with respect to the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.  </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tax Consequences to Non-U.S. Holders </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Although significant aspects of the tax treatment of each security are uncertain, we intend to withhold on any coupon paid to a Non-U.S. Holder generally at a rate of 30% or at a reduced rate specified by an applicable income tax treaty under an &#8220;other income&#8221; or similar provision.   We will not be required to pay any additional amounts with respect to amounts withheld.  In order to claim an exemption from, or a reduction in, the 30% withholding tax, a Non-U.S. Holder of the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>must comply with certification requirements to establish that it is not a U.S. person and is eligible for such an exemption or reduction under an applicable tax treaty.   If you are a Non-U.S. Holder, you should consult your tax adviser regarding the tax treatment of the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, including the possibility of obtaining a refund of any withholding tax and the certification requirement described above.  </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Section 871(m) Withholding Tax on Dividend Equivalents</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>As discussed in the accompanying product supplement for principal at risk </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, Section 871(m) of the Code and Treasury regulations promulgated thereunder (&#8220;Section 871(m)&#8221;) generally impose a 30% (or a lower applicable treaty rate) withholding tax on dividend equivalents paid or deemed paid to Non-U.S. Holders with respect to certain financial instruments linked to U.S. equities or indices that include U.S. equities (each, an &#8220;Underlying </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Security</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221;).  Subject to certain exceptions, Section 871(m) generally applies to </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>that substantially replicate the economic performance of one or more Underlying </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Securities</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, as determined based on tests set forth in the applicable Treasury regulations (a &#8220;Specified </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Security</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221;).  However, pursuant to an IRS notice, Section 871(m) will not apply to </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>issued before January 1, 2027 that do not have a delta of one with respect to any Underlying Security. Based on the terms of the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>and current market conditions, we expect that the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>will not have a delta of one with respect to any Underlying Security on the pricing date.  However, we will provide an updated determination in the pricing supplement.  Assuming that the </font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>20</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>do not have a delta of one with respect to any Underlying </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Security</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, our counsel is of the opinion that the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>should not be Specified </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>and, therefore, should not be subject to Section 871(m).  </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Our determination is not binding on the IRS, and the IRS may disagree with this determination.  Section 871(m) is complex and its application may depend on your particular circumstances, including whether you enter into other transactions with respect to an Underlying Security.  If Section 871(m) 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 </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Both U.S. and non-U.S. investors considering an investment in the securities should read the discussion under &#8220;Risk Factors&#8221; in this document and the discussion under &#8220;United States Federal Taxation&#8221; in the accompanying product supplement for principal at risk </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>and consult their tax advisers regarding all aspects of the U.S. federal income tax consequences of an investment in the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, 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: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><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 principal at risk securities, insofar as they purport to describe provisions of U.S. federal income tax laws or legal conclusions with respect thereto, constitute the full opinion of Davis Polk &amp; Wardwell LLP regarding the material U.S. federal tax consequences of an investment in the securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 10.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Additional considerations</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.77pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><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 not permitted to purchase the securities, either directly or indirectly.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 10.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Supplemental information regarding plan of distribution; conflicts of interest</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.77pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. and WFS will act as the agents for this offering.  WFS will receive a commission of up to $23.25 for each security it sells.  WFS proposes to offer the securities in part directly to the public at the price to public set forth on the cover page of this document and in part to Wells Fargo Advisors (&#8220;WFA&#8221;) (the trade name of the retail brokerage business of WFS&#8217;s affiliates, Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC), an affiliate of WFS, or other securities dealers at such price less a selling concession of up to $17.50 per security.  In addition to the selling concession allowed to WFA, WFS may pay $0.75 per security of the commission to WFA as a distribution expense fee for each security sold by WFA.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.77pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In addition, in respect of certain securities sold in this offering, we may pay a fee of up to $3.00 per security to selected securities dealers in consideration for marketing and other services in connection with the distribution of the securities to other securities dealers.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.77pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>See &#8220;Plan of Distribution; Conflicts of Interest&#8221; in the accompanying product supplement for principal at risk securities for information about the distribution arrangements for the securities.  References therein to &#8220;agent&#8221; refer to each of MS &amp; Co. and WFS, as agents for this offering, except that references to &#8220;agent&#8221; in the context of offers to certain Morgan Stanley dealers and compliance with FINRA Rule 5121 do not apply to WFS.  MS &amp; Co., WFS or their affiliates may enter into hedging transactions with us in connection with this offering.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.77pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><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 securities.  When MS &amp; Co. prices this offering of securities, it will determine the economic terms of the securities such that for each security the estimated value on the pricing date will be no lower than the minimum level described in &#8220;Estimated Value of the Securities&#8221; beginning on page 4.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><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.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 10.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Where you can find more information</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.77pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><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 principal at risk securities and the index supplement) with the Securities and Exchange Commission, or SEC, for the offering to which this communication relates.  You should read the prospectus in that registration statement, the product supplement for principal at risk securities, the index supplement and any other documents relating to this offering that Morgan Stanley and MSFL have filed with the SEC for more complete information about Morgan Stanley, MSFL and this offering.  When you read the accompanying product supplement and index supplement, please note that all references in such supplements to the prospectus dated November 16, 2023, or to any sections therein, should refer instead to the accompanying prospectus dated April 12, 2024 or to the corresponding sections of such prospectus, as applicable. You may get these documents without cost by visiting EDGAR on the SEC web site at www.sec.gov.  Alternatively, Morgan Stanley, MSFL, any underwriter or any dealer participating in the offering will arrange to send you the product supplement for principal at risk securities, index supplement and prospectus if you so request by calling toll-free 1-(800)-584-6837.</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>21</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.77pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You may access these documents on the SEC web site at www.sec.gov as follows:</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.77pt; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010323016341/dp202703_424b2-wffpar.htm"><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; color: #296DC1; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Product Supplement for Principal at Risk Securities dated </font></U><U><font style='white-space: pre-wrap;'>November 16, 2023</font></U></FONT></A></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.77pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "></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: Times New Roman, Times, serif; font-weight: bold; color: #296DC4; font-size: 9.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Index Supplement dated November 16, 2023</font></U></FONT></A></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.77pt; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010324005205/dp209505_424b2-base.htm" style="word-break: break-all; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #296DC4; font-size: 9.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Prospectus dated </font></U><U><font style='white-space: pre-wrap;'>April 12, 2024</font></U></FONT></A></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.77pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Terms used but not defined in this document are defined in the product supplement for principal at risk securities, in the index supplement or in the prospectus.</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>22</FONT></FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
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                <P style="margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Annex A &#8212; Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 12pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 14.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 12pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> was developed by Nasdaq and is calculated, maintained and published by The Nasdaq OMX Group, Inc. (&#8220;Nasdaq OMX&#8221;). The underlying index is designed to measure the performance of Nasdaq-listed companies that are classified as technology according to the Industry Classification Benchmark which also meet other eligibility criteria determined by Nasdaq. The underlying index is reported by Bloomberg under the ticker symbol &#8220;NDXT.&#8221; All information contained in this document regarding the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> has been derived from publicly available information, without independent verification.&#160;</font></FONT></P>
                <P style="margin-bottom: 5.5pt; text-align: justify; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> is calculated under an equal-weighted methodology. On February 22, 2006, the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> began with a base of 1,000.00. To be eligible for inclusion in the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, a security and its issuer must meet the following criteria:</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the security must be included in the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the issuer of the security&#8217;s primary U.S. listing must be exclusively on the Nasdaq Global Select Market or the Nasdaq Global Market;</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the issuer of the security must be classified as Technology according to the Industry Classification Benchmark (&#8220;ICB&#8221;);</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if the issuer of the security is organized under the laws of a jurisdiction outside the United States, then that security must have listed options on a registered options market in the United States or be eligible for listed-options trading on a registered options market in the United States;</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the issuer of the security generally may not currently be in bankruptcy proceedings;</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>each security must have a minimum average daily trading volume of 200,000 shares (measured over the three calendar months ending with the month that includes the reconstitution reference date);</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the issuer of the security generally may not have entered into a definitive agreement or other arrangement that would make it ineligible for index inclusion and where the transaction is imminent as determined by the Nasdaq Index Management Committee; and</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the security must have traded for at least three full calendar months, not including the month of initial listing, on an eligible exchange, which includes Nasdaq (Nasdaq Global Select Market, Nasdaq Global Market, or Nasdaq Capital Market), NYSE, NYSE American, or CBOE BZX. Eligibility is determined as of the constituent selection reference date and includes that month. A security that was added as a result of a spin-off will be exempt from the seasoning requirement.</font></FONT></FONT></P>
                <P style="padding-left: 39.6pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-bottom: 5.5pt; text-indent: 19.8pt; text-align: justify; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Index Calculation.</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>is calculated without regard to ordinary dividends however it does reflect special dividends. The formula is as follows:</font></FONT></P>
                <P style="text-indent: 19.8pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">                        <IMG width="176.57pt" height="57.76pt" src="image7.gif" style="width: 176.57pt; height: 57.76pt; ">
                        </FONT></P>
                <P style="text-indent: 19.8pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>where: </font></FONT></P>
                <P style="text-indent: 19.8pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">                        <IMG width="223.57pt" height="47.02pt" src="image8.gif" style="width: 223.57pt; height: 47.02pt; ">
                        </FONT></P>
                <P style="text-indent: 19.8pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-indent: 19.8pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>and:</font></FONT></P>
                <P style="margin-top: 13.2pt; margin-bottom: 3.3pt; line-height: 12.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">                        <IMG width="282.98pt" height="42.08pt" src="image9.gif" style="width: 282.98pt; height: 42.08pt; ">
                        </FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;Index Security&#8221; shall mean a security that has been selected for membership in the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, having met all applicable eligibility requirements.</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>n </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= Number of Index Securities in the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT></P>
                <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>q</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 7pt; vertical-align: sub; "><font style='white-space: pre-wrap;'>i</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> = Number of shares of Index Security i applied in the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. The number of shares can be based on any number of items which would be identified in each specific Index Methodology including total shares outstanding (TSO), application of free float, dividend yield, modification due to foreign ownership restrictions, modification due to capping etc. This can also be referred to as Index Shares.</font></FONT></P>
                <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>p</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 7pt; vertical-align: sub; "><font style='white-space: pre-wrap;'>i</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> = Price in quote currency of Index Security i. Depending on the time of the calculation, the price can be either of the following:</font></FONT></P>
                <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; ">(1)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Start of Day (SOD) price which is the previous index calculation day&#8217;s (t-1) closing price for Index Security i adjusted for corporate action(s) occurring prior to market open on date t, if any, for the SOD calculation only;</font></FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>23</FONT></FONT></P>
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            <P></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; ">(2)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The intraday price which reflects the current trading price received from the Index Exchange during the index calculation day;</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; ">(3)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The End of Day (EOD) price refers to the Last Sale Price; or</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; ">(4)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Volume Weighted Average Price (VWAP)</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>t</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> = current index calculation day</font></FONT></P>
                <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>t &#8211; 1 </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= previous index calculation day</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-indent: 19.8pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Index Calendar.&#160;</font></FONT></P>
                <P style="text-indent: 19.8pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities composing the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> are selected once annually each December. Securities currently within the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> must meet the eligibility criteria using market data through the end of October that year and total shares outstanding as of the end of November that year. Index reconstitutions are announced in early December and become effective after the close of trading on the third Friday in December.</font></FONT></P>
                <P style="text-indent: 19.8pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The index is rebalanced on a quarterly basis in March, June, September and December. The index rebalance uses the Last Sale Price (&#8220;LSP&#8221;) of all Index securities as of the third Friday (February, May, August, and November, respectively). Index rebalance changes are announced in early March, June, September and December, and changes become effective after the close of trading on the third Friday in March, June, September and December.</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                <P style="text-indent: 19.8pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Index Maintenance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT></P>
                <P style="text-indent: 19.8pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Deletion Policy</font></U></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. If at any time other than an index reconstitution, a component of the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> is removed from the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> for any reason, it is also removed from the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> at the same time.&#160;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-bottom: 5.5pt; text-indent: 19.8pt; text-align: justify; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This may include:</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>listing on an ineligible index exchange;</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>a security is not classified under the Technology Subsector according to the ICB;</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>merger, acquisition, or other major corporate event that would otherwise adversely impact the integrity of the Index;</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if a company is organized as a REIT;</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if the issuer has an adjusted market capitalization below 0.10% of the aggregate adjusted market capitalization of the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> for two consecutive month-ends; or</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #000000; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if a security that was added to the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;as the result of a spin-off event has an adjusted market capitalization below 0.10% of the aggregate adjusted market capitalization of the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;at the end of its second day of regular way trading as a Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;member.</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In the case of mergers and acquisitions, the effective date for the removal of an Index issuer or security will be largely event-based, with the goal to remove the issuer or security as soon as completion of the acquisition or merger has been deemed highly probable. Notable events include, but are not limited to, completion of various regulatory reviews, the conclusion of material lawsuits and/or shareholder and board approvals.</font></FONT></P>
                <P style="text-indent: 19.8pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Securities that are added as a result of a spin-off may be deleted as soon as practicable after being added to the index. This may occur when Nasdaq determines that a security is ineligible for inclusion because of reasons such as ineligible exchange, security type, or industry. Securities that are added as a result of a spin-off may be maintained in the index until a later date and then removed, for example if a spin-off security has liquidity or market capitalization characteristics that diverge materially from the security eligibility criteria and could affect the integrity of the index.</font></FONT></P>
                <P style="text-indent: 19.8pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Replacement Policy</font></U></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. When a component of the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> that is classified as Technology according to ICB is removed from the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, it is also removed from the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. As such, if the replacement company being added to the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> is classified as Technology according to ICB, it is added to the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> and will assume the weight of the removed company on the Index effective date.</font></FONT></P>
                <P style="text-indent: 19.8pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>When a component of the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> that is not classified as Technology according to ICB is removed and the replacement company being added to the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> is classified as Technology according to ICB, the replacement company is considered for addition to the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> at the next quarterly Rebalance.</font></FONT></P>
                <P style="text-indent: 19.8pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>When a component of the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> that is classified as Technology according to ICB is removed from the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> and the replacement company being added to the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> is not classified as Technology according to ICB, the company is removed from the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> and the divisor of the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> is adjusted to ensure Index continuity.</font></FONT></P>
                <P style="text-indent: 19.8pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Additions Policy</font></U></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'> </font></U></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If a security is added to the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> for any reason, it may be added to the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> at the same time. </font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>24</FONT></FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 3.3pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index, the Russell 2000</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index and the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #C00000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> due January 3, 2029</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="text-indent: 19.8pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Corporate Actions</font></U></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. In the periods between scheduled index reconstitution and rebalancing events, individual Index securities may be the subject to a variety of corporate actions and events that require maintenance and adjustments to the Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Technology Sector Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. </font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>---</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities are not sponsored, endorsed, sold or promoted by Nasdaq (including its affiliates) (Nasdaq, with its affiliates, are referred to as the &#8220;Corporations&#8221;). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the securities. The Corporations make no representation or warranty, express or implied, to the holders of the securities or any member of the public regarding the advisability of investing in securities generally or in the securities particularly, or the ability of the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> to track general stock market performance. The Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> is determined, composed and calculated by Nasdaq without regard to us or the securities. Nasdaq has no obligation to take our needs or the needs of the owners of the securities into consideration in determining, composing or calculating the Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. The Corporations are not responsible for and have not participated in the determination of the timing, prices, or quantities of the securities to be issued or in the determination or calculation of the equation by which the securities are to be converted into cash. The Corporations have no liability in connection with the administration, marketing or trading of the securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF THE NASDAQ-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> TECHNOLOGY SECTOR INDEX</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, NASDAQ-100 INDEX</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY MORGAN STANLEY, OWNERS OF THE SECURITIES, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> TECHNOLOGY SECTOR INDEX</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, NASDAQ-100 INDEX</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.</font></FONT></P>
                <P style="margin-bottom: 6.6pt; line-height: 12.0pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;Nasdaq</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;Nasdaq-100</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; and &#8220;Nasdaq-100 Index</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; are trademarks of Nasdaq.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.77pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 439.31pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>25</FONT></FONT></P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
