<SEC-DOCUMENT>0001839882-25-070686.txt : 20251211
<SEC-HEADER>0001839882-25-070686.hdr.sgml : 20251211
<ACCEPTANCE-DATETIME>20251211170414
ACCESSION NUMBER:		0001839882-25-070686
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20251211
DATE AS OF CHANGE:		20251211

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:		251565682

	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:		251565683

	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>ms12607_424b2-41294.htm
<DESCRIPTION>PRELIMINARY PRICING SUPPLEMENT NO. 12,607
<TEXT>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #FF0000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The</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; color: #FF0000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> information in this preliminary pricing supplement is not complete and may be changed.  We may not deliver these notes until a final pricing supplement is delivered.  This preliminary pricing supplement and the accompanying prospectus, product supplement and index supplement do not constitute an offer to sell these notes and we are not soliciting an offer to buy these notes in any state where the offer or sale is not permitted.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-weight: bold; font-style: italic; font-size: 8.0pt; font-family: Arial, sans-serif; color: #FF0000; "><font style='white-space: pre-wrap;'>Subject to Completion, Preliminary Pricing Supplement dated December 11, 2025</font></FONT></P>
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                            <P style="line-height: 8.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>PROSPECTUS Dated April 12, 2024</font></FONT></P>
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                            <P style="line-height: 8.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Pricing Supplement No. 12,607 to</font></FONT></P>
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                            <P style="line-height: 8.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>PRODUCT SUPPLEMENT Dated November 16, 2023</font></FONT></P>
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                            <P style="line-height: 8.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Registration Statement Nos. 333-275587;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>333-275587-01</font></FONT></P>
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                            <P style="line-height: 8.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>INDEX SUPPLEMENT Dated November 16, 2023</font></FONT></P>
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                            <P style="line-height: 8.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Dated     , 2025</font></FONT></P>
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                            <P style="line-height: 8.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                            <P style="line-height: 8.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Rule 424(b)(2)</font></FONT></P>
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                            <P style="line-height: 8.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 20.0pt; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 10.0pt; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; "><font style='white-space: pre-wrap;'>STRUCTURED INVESTMENTS</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 10.0pt; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; "><font style='white-space: pre-wrap;'>Opportunities in U.S. Equities</font></FONT></P>
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-weight: bold; font-size: 13.0pt; font-family: Arial, sans-serif; font-style: normal; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; "><FONT style="font-weight: bold; font-size: 12.0pt; font-family: Arial, sans-serif; font-style: normal; "><font style='white-space: pre-wrap;'>Digital S&amp;P 500</font></FONT><FONT style="font-weight: bold; font-size: 10pt; vertical-align: super; font-family: Arial, sans-serif; font-style: normal; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-weight: bold; font-size: 12.0pt; font-family: Arial, sans-serif; font-style: normal; "><font style='white-space: pre-wrap;'> Index-Linked Notes due</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; "><FONT style="font-weight: bold; font-size: 12.0pt; font-family: Arial, sans-serif; font-style: normal; "><font style='white-space: pre-wrap;'>Fully and Unconditionally Guaranteed by Morgan Stanley</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; "><FONT style="font-weight: bold; font-size: 9.5pt; font-family: Arial, sans-serif; font-style: normal; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; line-height: 10.5pt; "><FONT style="font-weight: bold; font-size: 9.5pt; font-family: Arial, sans-serif; font-style: normal; "><font style='white-space: pre-wrap;'>The notes</font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-weight: bold; font-size: 9.5pt; font-family: Arial, sans-serif; font-style: normal; "><font style='white-space: pre-wrap;'>are unsecured obligations of Morgan Stanley Finance LLC (&#8220;MSFL&#8221;) and are fully and unconditionally guaranteed by Morgan Stanley.  The notes will not bear interest.</font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; "><font style='white-space: pre-wrap;'>  The amount that you will be paid on your notes on the stated maturity date (expected to be the second scheduled business day after the determination date) is based on the performance of the S&amp;P 500</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; "><font style='white-space: pre-wrap;'> Index as measured from the trade date to and including the determination date (expected to be between 27 and 30 months after the trade date).  If the final underlier level on the determination date is greater than or equal to 85% of the initial underlier level (which will be set on the trade date and may be higher or lower than the actual closing level of the underlier on the trade date), you will receive an amount equal to the maximum settlement amount (expected to be between $1,167.40 and $1,196.90 for each $1,000 face amount of your notes).  </font></FONT><FONT style="font-weight: bold; font-size: 9.5pt; font-family: Arial, sans-serif; font-style: normal; "><font style='white-space: pre-wrap;'>However, if the underlier declines by more than 15% from the initial underlier level, the return on your notes will be negative.  You could lose your entire investment in the notes. </font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; "><font style='white-space: pre-wrap;'> The notes are notes issued as part of MSFL&#8217;s Series A Global Medium-Term Notes program.  </font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; line-height: 10.5pt; "><FONT style="font-weight: bold; font-size: 9.5pt; font-family: Arial, sans-serif; font-style: normal; "><font style='white-space: pre-wrap;'>All payments are subject to our credit risk. If we default on our obligations, you could lose some or all of your investment.  These notes are not secured obligations and you will not have any security interest in, or otherwise have any access to, any underlying reference asset or assets.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; line-height: 10.5pt; "><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; "><font style='white-space: pre-wrap;'>To determine your payment at maturity, we will calculate the underlier return, which is the percentage increase or decrease in the final underlier level from the initial underlier level.  On the stated maturity date, for each $1,000 face amount of your notes, you will receive an amount in cash equal to:</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 1.1pt; line-height: 10.5pt; 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: Arial, sans-serif; font-weight: normal; font-style: normal; font-size: 9.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>if the underlier return is </font></FONT><FONT style="font-style: italic; font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>greater than </font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>or</font></FONT><FONT style="font-style: italic; font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> equal to </font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>-15% (the final underlier level is greater than or equal to 85% of the initial underlier level), the maximum settlement amount of $1,167.40 to $1,196.90 per note, or 116.74% to 119.69% of the face amount (the actual maximum settlement amount will be determined on the trade date); or</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 1.1pt; line-height: 10.5pt; 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: Arial, sans-serif; font-weight: normal; font-style: normal; font-size: 9.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>if the underlier return is </font></FONT><FONT style="font-style: italic; font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> -15% (the final underlier level is less than 85% of the initial underlier level), the </font></FONT><FONT style="font-style: italic; font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>sum</font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> of (i)&#160;$1,000 </font></FONT><FONT style="font-style: italic; font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> (ii)&#160;the </font></FONT><FONT style="font-style: italic; font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>product</font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> of (a)&#160;$1,000 </font></FONT><FONT style="font-style: italic; font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>times</font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> (b)&#160;approximately 1.1765 </font></FONT><FONT style="font-style: italic; font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>times </font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>(c)&#160;the </font></FONT><FONT style="font-style: italic; font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>sum</font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> of the underlier return </font></FONT><FONT style="font-style: italic; font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>plus </font></FONT><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>15%. </font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; padding-left: 19.8pt; "><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Under these circumstances, you will lose some or all of your investment.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; line-height: 10.5pt; "><FONT style="font-size: 9.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You should read the additional disclosure herein so that you may better understand the terms and risks of your investment.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; line-height: 11.0pt; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The estimated value on the trade date will be approximately $996.90 per note, or within $15.00 of that estimate.  See &#8220;Estimated Value&#8221; on page 2. </font></FONT></P>
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                            <P style="margin-top: 1.1pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                            <P style="border-bottom:  0.50pt solid black; margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Price to public</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>(1)</font></FONT></P>
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                            <P style="border-bottom:  0.50pt solid black; margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Agent&#8217;s commissions</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="border-bottom:  0.50pt solid black; margin-top: 4.4pt; margin-bottom: 2.2pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Proceeds to us</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>(2)</font></FONT></P>
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                    </TR>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="text-indent: -10.29pt; padding-left: 10.29pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Per note</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT></P>
                        </TD>
                    </TR>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="text-indent: -10.29pt; padding-left: 10.29pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Total</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
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                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; ">(1)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-style: italic; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC (&#8220;MS &amp; Co.&#8221;) will sell all of the notes that it purchases from us to an unaffiliated dealer at the original issue price of 100.00%, or $1,000 per face amount of notes. Such dealer will sell the notes to investors at the same price without a discount or commission. Investors that purchase and hold the notes in fee-based accounts may be charged fees based on the amount of assets held in those accounts, including the notes. For more information, see &#8220;Additional Information About the Notes&#8212;Supplemental information regarding plan of distribution; conflicts of interest.&#8221;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; ">(2)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-style: italic; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>See &#8220;Additional Information About the Notes&#8212;Use of proceeds and hedging&#8221; beginning on page 19. </font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-style: normal; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The notes involve risks not associated with an investment in ordinary debt securities.  See &#8220;Risk Factors&#8221; beginning on page 10.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; font-style: normal; "><font style='white-space: pre-wrap;'>The Securities and Exchange Commission and state securities regulators have not approved or disapproved these notes, or determined if this document or the accompanying product supplement, index supplement and prospectus is truthful or complete.  Any representation to the contrary is a criminal offense.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; font-style: normal; "><font style='white-space: pre-wrap;'>The notes 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: 0pt; margin-bottom: 0pt; line-height: 9pt"><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; font-style: normal; "><font style='white-space: pre-wrap;'>You should read this document together with the related product supplement, index supplement and prospectus, each of which can be accessed via the hyperlinks below.  When you read the accompanying product supplement and index supplement, please note that all references in such supplements to the prospectus dated November 16, 2023, or to any sections therein, should refer instead to the accompanying prospectus dated April 12, 2024 or to the corresponding sections of such prospectus, as applicable.  Please also see &#8220;Terms&#8221; on page 3 and &#8220;Additional Information About the Notes&#8221; on page 19.</font></FONT></P>
                <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-style: italic; font-size: 18.0pt; font-family: Times New Roman, Times, serif; "><font style='white-space: pre-wrap;'>MORGAN STANLEY</font></FONT></P>
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                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">About Your Prospectus</font></FONT></P>
                            <P STYLE="font-size: 10pt; padding-left: 19.8pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The notes are notes issued as part of MSFL&#8217;s Series A Global Medium-Term Notes program. This prospectus includes this preliminary pricing supplement and the accompanying documents listed below.  This preliminary pricing supplement constitutes a supplement to the documents listed below and should be read in conjunction with such documents:</font></FONT></P>
                            <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="font: normal 10pt Arial, sans-serif; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-size: 10pt"><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000095010324005205/dp209505_424b2-base.htm" STYLE="color: Black; font-size: 10pt; text-decoration: none; word-break: break-all"><FONT STYLE="font-size: 10pt; color: black; text-decoration: none; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Prospectus dated April 12, 2024</font></FONT></A></FONT></P>
                            <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="font: normal 10pt Arial, sans-serif; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: black">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-size: 10pt"><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000095010323016335/dp202680_424b2-epsuppjump.htm" STYLE="color: Black; font-size: 10pt; text-decoration: none"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"></FONT><FONT STYLE="font-size: 10pt; color: black; text-decoration: none; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Product Supplement dated November 16, 2023</font></FONT></A></FONT></P>
                            <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="font: normal 10pt Arial, sans-serif; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: black">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"></FONT><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000095010323016332/dp202718_424b2-isn2023.htm" STYLE="color: Black; font-size: 10pt; text-decoration: none"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"></FONT><FONT STYLE="font-size: 10pt; color: black; text-decoration: none; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Index Supplement dated November 16, 2023</font></FONT></A></FONT></P>
                            <P STYLE="font-size: 10pt; padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 3.3pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> 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. The information in this preliminary pricing supplement supersedes any conflicting information in the documents listed above. In addition, some of the terms or features described in the listed documents may not apply to your notes. </font></FONT></P>
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                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="color: #FF0000; font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">ESTIMATED VALUE</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Original Issue Price of each note is $1,000. This price includes costs associated with issuing, selling, structuring and hedging the notes, which are borne by you, and, consequently, the estimated value of the notes on the Trade Date will be less than $1,000. We estimate that the value of each note on the Trade Date will be approximately $996.90, or within $15.00 of that estimate. Our estimate of the value of the notes as determined on the Trade Date will be set forth in the final pricing supplement.  </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">What goes into the estimated value on the Trade Date?</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">In valuing the notes on the Trade Date, we take into account that the notes comprise both a debt component and a performance-based component linked to the Underlier. The estimated value of the notes is determined using our own pricing and valuation models, market inputs and assumptions relating to the Underlier, instruments based on the Underlier, 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="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">What determines the economic terms of the notes?</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">In determining the economic terms of the notes, including the Maximum Settlement Amount and the Threshold Amount, 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 notes would be more favorable to you.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">What is the relationship between the estimated value on the Trade Date and the secondary market price of the notes?</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The price at which MS &amp; Co. purchases the notes in the secondary market, absent changes in market conditions, including those related to the Underlier, may vary from, and be lower than, the estimated value on the Trade Date, because the secondary market price takes into account our secondary market credit spread as well as the bid-offer spread that MS &amp; Co. would charge in a secondary market transaction of this type and other factors. However, because the costs associated with issuing, selling, structuring and hedging the notes 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 notes in the secondary market, absent changes in market conditions, including those related to the Underlier, 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="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">MS &amp; Co. may, but is not obligated to, make a market in the notes, and, if it once chooses to make a market, may cease doing so at any time.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font: italic bold 10pt Times New Roman, Times, serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
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                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">2</FONT></FONT></P>
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                <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">SUMMARY INFORMATION</font></FONT></P>
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                            <P STYLE="font-size: 10pt; padding-left: 9.9pt; margin-bottom: 13.2pt; margin-top: 0"><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Digital S&amp;P 500</font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif; vertical-align: super"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Index-Linked Notes, which we refer to as the notes, are unsecured obligations of MSFL and are fully and unconditionally guaranteed by Morgan Stanley.  The notes will pay no interest, do not guarantee any return of principal at maturity and have the terms described in the accompanying product supplement, index supplement and prospectus, as supplemented or modified by this document.  The notes are notes issued as part of MSFL&#8217;s Series A Global Medium-Term Notes program.</font></FONT></P>
                            <P STYLE="font-size: 10pt; padding-left: 9.9pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">References to &#8220;we,&#8221; &#8220;us&#8221; and &#8220;our&#8221; refer to Morgan Stanley or MSFL, or Morgan Stanley and MSFL collectively, as the context requires. </font></FONT></P>
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                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Terms</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; text-align: left; margin-bottom: 2.2pt; margin-top: 0"><FONT STYLE="font: normal 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Capitalized terms used but not defined herein have the meanings assigned to them in the accompanying product supplement and prospectus. All references to &#8220;Buffer Rate,&#8221; &#8220;Cash Settlement Amount,&#8221; &#8220;Closing Level,&#8221; &#8220;Determination Date,&#8221; &#8220;Face Amount,&#8221; &#8220;Final Underlier Level,&#8221; &#8220;Initial Underlier Level,&#8221; &#8220;Original Issue Price,&#8221; &#8220;Stated Maturity Date,&#8221; &#8220;Threshold Amount,&#8221; &#8220;Trade Date,&#8221; &#8220;Underlier&#8221; and &#8220;Underlier Return&#8221; herein shall be deemed to refer to &#8220;downside factor,&#8221; &#8220;payment at maturity,&#8221; &#8220;index closing value,&#8221; &#8220;valuation date,&#8221; &#8220;stated principal amount,&#8221; &#8220;final index value,&#8221; &#8220;initial index value,&#8221; &#8220;issue price,&#8221; &#8220;maturity date,&#8221; &#8220;buffer amount,&#8221; &#8220;pricing date,&#8221; &#8220;underlying index&#8221; and &#8220;index percent change&#8221; respectively, as used in the accompanying product supplement.</font></FONT></P>
                <P STYLE="font-size: 10pt; text-align: left; margin-bottom: 2.2pt; margin-top: 0"><FONT STYLE="font: normal 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; text-align: left; margin-bottom: 1.5pt; margin-top: 0"><FONT STYLE="font: normal 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">If the terms described herein are inconsistent with those described in the accompanying product supplement or prospectus, the terms described herein shall control.</font></FONT></P>
                <P STYLE="font-size: 10pt; text-align: left; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font: normal 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; text-align: left; margin-bottom: 2.2pt; margin-top: 1.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Issuer:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Morgan Stanley Finance LLC</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Guarantor:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Morgan Stanley</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Underlier:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> S&amp;P 500</font></FONT><FONT STYLE="vertical-align: super; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Index</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Underlier Publisher: </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">S&amp;P</font></FONT><FONT STYLE="vertical-align: super; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Dow Jones Indices LLC</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Notes: </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The accompanying product supplement refers to the notes as the &#8220;jump securities.&#8221;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Specified currency:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> U.S. dollars (&#8220;$&#8221;)</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Face Amount:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Each note will have a Face Amount of $1,000; $         in the aggregate for all the notes; the aggregate Face Amount of notes may be increased if the Issuer, at its sole option, decides to sell an additional amount of the notes on a date subsequent to the date hereof.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Denominations: </font></FONT><FONT STYLE="font: normal 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">$1,000 and integral multiples thereof</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Cash Settlement Amount (on the Stated Maturity Date): </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">For each $1,000 Face Amount of notes, we will pay you on the Stated Maturity Date an amount in cash equal to:</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 1.1pt; line-height: 1.2; margin-left: 15.07pt; text-indent: -11.88pt"><!--[if IE]<FONT style="display: inline-block; width: 11.88pt; text-indent: -11.88pt; "><![endif]--><FONT STYLE="display: inline-block; width: 11.88pt; text-indent: 0; text-align: left; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">if the Final Underlier Level is </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">greater than </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">or</font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> equal to </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">the Threshold Level, the Maximum Settlement Amount; or</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 1.1pt; line-height: 1.2; margin-left: 15.07pt; text-indent: -11.88pt"><!--[if IE]<FONT style="display: inline-block; width: 11.88pt; text-indent: -11.88pt; "><![endif]--><FONT STYLE="display: inline-block; width: 11.88pt; text-indent: 0; text-align: left; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">if the Final Underlier Level is </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">less than</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> the Threshold Level, the </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">sum</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> of (i)&#160;$1,000 </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">plus</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> (ii)&#160;the </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">product</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> of (a)&#160;$1,000 </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">times</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> (b)&#160;the Buffer Rate </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">times </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">(c)&#160;the </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">sum</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> of the Underlier Return and the Threshold Amount.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 1.1pt; line-height: 1.2; padding-left: 15.07pt"><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">You will lose some or all of your investment at maturity if the Final Underlier Level is less than the Threshold Level.  Notwithstanding anything to the contrary in the accompanying product supplement, you will receive the Maximum Settlement Amount if the Final Underlier Level is greater than or equal to the Threshold Level.  Any payment of the Cash Settlement Amount is subject to our credit risk.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Initial Underlier Level: </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">To be determined on the Trade Date. The Initial Underlier Level may be higher or lower than the actual Closing Level of the Underlier on the Trade Date; provided that the Initial Underlier Level will not be higher than the highest level of the Underlier on the Trade Date.</font></FONT></P>
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                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">3</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
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            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
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                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Final Underlier Level: </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Closing Level of the Underlier on the Determination Date, except in the limited circumstances described under &#8220;Description of Securities&#8212;Postponement of Valuation Date(s)&#8221; on page S-51 of the accompanying product supplement, and subject to adjustment as provided under &#8220;Description of Securities&#8212;Discontinuance of Any Underlying Index or Basket Index; Alteration of Method of Calculation&#8221; on page S-58 of the accompanying product supplement.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Underlier Return:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> The </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">quotient</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> of (i)&#160;the Final Underlier Level </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">minus </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">the Initial Underlier Level </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">divided </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">by (ii) the Initial Underlier Level, expressed as a percentage</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Maximum Settlement Amount (to be set on the Trade Date):</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Expected to be between </font></FONT><FONT STYLE="font: normal 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">$1,167.40 and $1,196.90 </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">for each $1,000 Face Amount of notes (which is comprised of the $1,000 Face Amount </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">plus </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">an upside payment of between $</font></FONT><FONT STYLE="font: normal 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">167.40 and $196.90</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">)</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Threshold Level:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> 85% of the Initial Underlier Level</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Threshold Amount:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> 15%</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Buffer Rate: </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">quotient </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">of the Initial Underlier Level </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">divided </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">by the Threshold Level, which equals approximately 117.65%</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Trade Date:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Original Issue Date (Settlement Date) (to be set on the Trade Date): </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Expected to be the third scheduled Business Day following the Trade Date.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Determination Date (to be set on the Trade Date): </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Expected to be between 27 and 30 months after the Trade Date, subject to postponement as described in the accompanying product supplement on page S-51 under &#8220;Description of Securities&#8212;Postponement of Valuation Date(s).&#8221;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Stated Maturity Date (to be set on the Trade Date):</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Expected to be the second scheduled Business Day following the Determination Date, subject to postponement as described below.  The Stated Maturity Date is a pricing term and will be determined by us on the Trade Date.  </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Postponement of Stated Maturity Date:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> If the scheduled Determination Date is not a Trading Day or if a market disruption event occurs on that day so that the Determination Date as postponed falls less than two Business Days prior to the scheduled Stated Maturity Date, the Stated Maturity Date of the notes will be postponed to the second Business Day following that Determination Date as postponed.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Closing Level:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> As described under &#8220;Description of Securities&#8212;Some Definitions&#8212;index closing value&#8221; on page S-40 of the accompanying product supplement.  </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Business Day: </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">As described under &#8220;Description of Securities&#8212;Some Definitions&#8212;business day&#8221; on page S-39 of the accompanying product supplement.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Trading Day:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> As described under &#8220;Description of Securities&#8212;Some Definitions&#8212;index business day&#8221; on page S-40 of the accompanying product supplement.  The accompanying product supplement refers to a Trading Day as an &#8220;index business day.&#8221;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Market disruption event: </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The following replaces in its entirety the section entitled &#8220;Description of Securities&#8212;Some Definitions&#8212;market disruption event&#8221; on page S-41 of the accompanying product supplement:</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#8220;Market disruption event&#8221; means, with respect to the Underlier:</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">(i) the occurrence or existence of:</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 79.2pt; text-indent: -39.6pt"><!--[if IE]<FONT style="display: inline-block; width: 39.60pt; text-indent: -39.60pt; "><![endif]--><FONT STYLE="font-size: 10pt; display: inline-block; width: 39.6pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif">(a)</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">a suspension, absence or material limitation of trading of securities then constituting 20 percent or more, by weight, of the Underlier (or the successor index) on the relevant exchanges for such securities for more than two hours of trading or during the one-half hour period preceding the close of the principal trading session on such relevant exchange, or</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 79.2pt; text-indent: -39.6pt"><!--[if IE]<FONT style="display: inline-block; width: 39.60pt; text-indent: -39.60pt; "><![endif]--><FONT STYLE="font-size: 10pt; display: inline-block; width: 39.6pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif">(b)</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">a breakdown or failure in the price and trade reporting systems of any relevant exchange as a result of which the reported trading prices for securities then constituting 20 percent or more, by weight, of the Underlier (or the successor index), or futures or options contracts, if available, relating to the Underlier (or the successor index) or the securities </font></FONT></FONT></P>
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                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">4</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
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        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 673.2pt">
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
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            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 79.2pt"><FONT STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">then constituting 20 percent or more, by weight, of the Underlier during the last one-half hour preceding the close of the principal trading session on such relevant exchange are materially inaccurate, or</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 79.2pt; text-indent: -39.6pt"><!--[if IE]<FONT style="display: inline-block; width: 39.60pt; text-indent: -39.60pt; "><![endif]--><FONT STYLE="font-size: 10pt; display: inline-block; width: 39.6pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif">(c)</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">the suspension, material limitation or absence of trading on any major U.S. securities market for trading in futures or options contracts or exchange-traded funds related to the Underlier (or the successor index), or in futures or options contracts, if available, relating to securities then constituting 20 percent or more, by weight, of the Underlier (or the successor index) for more than two hours of trading or during the one-half hour period preceding the close of the principal trading session on such market,</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">in each case as determined by the calculation agent in its sole discretion; and</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">(ii) a determination by the calculation agent in its sole discretion that any event described in clause (i) above materially interfered with our ability or the ability of any of our affiliates to unwind or adjust all or a material portion of the hedge position with respect to the notes.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">For the purpose of determining whether a market disruption event exists at any time, if trading in a security included in the Underlier is suspended, absent or materially limited at that time, then the relevant percentage contribution of that security to the value of the Underlier shall be based on a comparison of (x) the portion of the value of the Underlier attributable to that security relative to (y) the overall value of the Underlier, in each case immediately before that suspension or limitation.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">For the purpose of determining whether a market disruption event has occurred: (1) a limitation on the hours or number of days of trading will not constitute a market disruption event if it results from an announced change in the regular business hours of the relevant exchange or market, (2) a decision to permanently discontinue trading in the relevant futures or options contract or exchange-traded fund will not constitute a market disruption event, (3) a suspension of trading in futures or options contracts or exchange-traded funds on the Underlier, or futures or options contracts, if available, relating to securities then constituting 20 percent or more, by weight, of the Underlier, by the primary securities market trading in such contracts or funds by reason of (a) a price change exceeding limits set by such securities exchange or market, (b) an imbalance of orders relating to such contracts or funds, or (c) a disparity in bid and ask quotes relating to such contracts or funds will constitute a suspension, absence or material limitation of trading in futures or options contracts or exchange-traded funds related to the Underlier and (4) a &#8220;suspension, absence or material limitation of trading&#8221; on any relevant exchange or on the primary market on which futures or options contracts or exchange-traded funds related to the Underlier are traded will not include any time when such securities market is itself closed for trading under ordinary circumstances.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Trustee: </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Bank of New York Mellon</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Calculation Agent:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> MS &amp; Co.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: #000000"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Issuer Notice To Registered Security Holders, the Trustee and the Depositary:&#160;</font></FONT><FONT STYLE="font-size: 10pt; color: #000000; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">In the event that the Stated Maturity Date is postponed due to postponement of the Determination Date, the Issuer shall give notice of such postponement and, once it has been determined, of the date to which the Stated Maturity Date has been rescheduled (i) to each registered holder of the notes by mailing notice of such postponement by first class mail, postage prepaid, to such registered holder&#8217;s last address as it shall appear upon the registry books, (ii) to the Trustee by facsimile confirmed by mailing such notice to the Trustee by first class mail, postage prepaid, at its New York office and (iii) to The Depository Trust Company (the &#8220;depositary&#8221;) by telephone or facsimile, confirmed by mailing such notice to the depositary by first class mail, postage prepaid. Any notice that is mailed to a registered holder of the notes in the manner herein provided shall be conclusively presumed to have been duly given to such registered holder, whether or not such registered holder receives the notice. The Issuer shall give such notice as promptly as possible, and in no case later than (i) with respect to notice of postponement of the Stated Maturity Date, the Business Day immediately preceding the scheduled Stated Maturity Date, and (ii) with respect to notice of the date to which the Stated Maturity Date has been rescheduled, the Business Day immediately following the actual Determination Date for determining the Final Underlier Level.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; color: #000000; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Issuer shall, or shall cause the Calculation Agent to, (i) provide written notice to the Trustee and to the depositary of the amount of cash, if any, to be delivered with respect to each Face Amount of notes, </font></FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">5</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV STYLE="font-size: 10pt; page-break-after: always; border-bottom: black 1pt solid">
            <P STYLE="font-size: 10pt"></P>
        </DIV>
        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 673.2pt">
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; color: #000000; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">on or prior to 10:30 a.m. (New York City time) on the Business Day preceding the Stated Maturity Date, and (ii) deliver the aggregate cash amount due with respect to the notes, if any, to the Trustee for delivery to the depositary, as holder of the notes, on the Stated Maturity Date.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">CUSIP no.:</font></FONT><FONT STYLE="font-size: 10pt; color: #000000; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> 61779TU54</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: #000000"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">ISIN:</font></FONT><FONT STYLE="font-size: 10pt; color: #000000; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> US61779TU540</font></FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">6</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV STYLE="font-size: 10pt; page-break-after: always; border-bottom: black 1pt solid">
            <P STYLE="font-size: 10pt"></P>
        </DIV>
        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 673.2pt">
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">HYPOTHETICAL EXAMPLES</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 9.9pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt; background-color: #FFFFFF; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The following table and chart are provided for purposes of illustration only.  They should not be taken as an indication or prediction of future investment results and are intended merely to illustrate the impact that the various hypothetical Closing Levels of the Underlier on the Determination Date could have on the Cash Settlement Amount.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 9.9pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt; background-color: #FFFFFF; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The examples below are based on a range of Final Underlier Levels that are entirely hypothetical; no one can predict what the level of the Underlier will be on any day during the term of the notes, and no one can predict what the Final Underlier Level will be on the Determination Date.  The Underlier has at times experienced periods of high volatility &#8212; meaning that the level of the Underlier has changed considerably in relatively short periods &#8212; and its performance cannot be predicted for any future period.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 9.9pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt; background-color: #FFFFFF; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The information in the following examples reflects hypothetical rates of return on the notes assuming that they are purchased on the Original Issue Date at the Face Amount and held to the Stated Maturity Date.  The value of the notes at any time after the Trade Date will vary based on many economic and market factors, including interest rates, the volatility of the Underlier, our creditworthiness and changes in market conditions, and cannot be predicted with accuracy.  Any sale prior to the Stated Maturity Date could result in a substantial loss to you.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 4.4pt; line-height: 12pt; margin-top: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <TABLE STYLE="font-size: 10pt; margin-left: 0pt; width: 520.74pt; table-layout: fixed; border-collapse: collapse">
                    <TR STYLE="font-size: 10pt">
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                        </TD>
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                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #BFBFBF">
                            <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: black"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Key Terms and Assumptions</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #BFBFBF">
                            <P STYLE="font-size: 10pt; margin-bottom: 0pt; margin-top: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt">
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: black"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Face Amount: </font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; margin-bottom: 0pt; margin-top: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">$1,000</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt">
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: black"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Hypothetical Maximum Settlement Amount:</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; margin-bottom: 0pt; margin-top: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">$1,167.40 per $1,000 Face Amount of notes (116.740% of the Face Amount)</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt">
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: bottom">
                            <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: black"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Minimum Cash Settlement Amount:</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="font-size: 10pt; margin-bottom: 0pt; margin-top: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">None</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt">
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: black"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Threshold Level:</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; margin-bottom: 0pt; margin-top: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">85% of the Initial Underlier Level</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt">
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: black"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Buffer Rate:</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; margin-bottom: 0pt; margin-top: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Approximately 117.65%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt">
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: black"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Threshold Amount:</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; margin-bottom: 0pt; margin-top: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">15%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt">
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD COLSPAN="3" STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: bottom">
                            <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 1.65pt; line-height: 7pt; margin-left: 15.07pt; text-indent: -11.88pt"><!--[if IE]<FONT style="display: inline-block; width: 11.88pt; text-indent: -11.88pt; "><![endif]--><FONT STYLE="display: inline-block; width: 11.88pt; text-indent: 0; text-align: left; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-size: 10pt"><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Neither a market disruption event nor a non-Trading Day occurs on the Determination Date.</font></FONT></FONT></P>
                            <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 1.65pt; line-height: 7pt; margin-left: 15.07pt; text-indent: -11.88pt"><!--[if IE]<FONT style="display: inline-block; width: 11.88pt; text-indent: -11.88pt; "><![endif]--><FONT STYLE="display: inline-block; width: 11.88pt; text-indent: 0; text-align: left; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-size: 10pt"><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">No discontinuation of the Underlier or alteration of the method by which the Underlier is calculated.</font></FONT></FONT></P>
                            <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 1.65pt; line-height: 7pt; margin-left: 15.07pt; text-indent: -11.88pt"><!--[if IE]<FONT style="display: inline-block; width: 11.88pt; text-indent: -11.88pt; "><![endif]--><FONT STYLE="display: inline-block; width: 11.88pt; text-indent: 0; text-align: left; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-size: 10pt"><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Notes purchased on the Original Issue Date at the Face Amount and held to the Stated Maturity Date.</font></FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P STYLE="font-size: 10pt; margin-top: 9.9pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Moreover, we have not yet set the Initial Underlier Level that will serve as the baseline for determining the Underlier Return and the amount that we will pay on the notes, if any, at maturity.  We will not do so until the Trade Date.  As a result, the actual Initial Underlier Level may differ substantially from the level of the Underlier at any time prior to the Trade Date. </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 9.9pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">For these </font></FONT><FONT STYLE="font-size: 10pt; background-color: #FFFFFF; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">reasons</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">, the actual performance of the Underlier over the term of the notes, as well as the Cash Settlement Amount, if any, may bear little relation to the hypothetical examples shown below or to the historical levels of the Underlier shown elsewhere in this document.  For information about the historical levels of the Underlier during recent periods, see &#8220;The Underlier&#8221; below. </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 9.9pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The levels in the left column of the table below represent hypothetical Final Underlier Levels and are expressed as percentages of the Initial Underlier Level.  The amounts in the right column represent the hypothetical Cash Settlement Amount, based on the corresponding hypothetical Final Underlier Level (expressed as a percentage of the Initial Underlier Level), and are expressed as percentages of the Face Amount of notes (rounded to the nearest one-thousandth of a percent).  Thus, a hypothetical Cash Settlement Amount of 100% means that the value of the cash payment that we would deliver for each $1,000 Face Amount of notes on the Stated Maturity Date would equal 100% of the Face Amount of notes, based on the corresponding hypothetical Final Underlier Level (expressed as a percentage of the Initial Underlier Level) and the assumptions noted above.  The numbers appearing in the table and chart below may have been rounded for ease of analysis.</font></FONT><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> </font></FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">7</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV STYLE="font-size: 10pt; page-break-after: always; border-bottom: black 1pt solid">
            <P STYLE="font-size: 10pt"></P>
        </DIV>
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            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
                <TABLE STYLE="font-size: 10pt; margin-left: auto; width: 526.68pt; table-layout: fixed; border-collapse: collapse; margin-right: auto">
                    <TR STYLE="font-size: 10pt">
                        <TD STYLE="font-size: 10pt; width: 263.34pt; border-width: 0; margin: 0; padding: 0; height: 0">
                        </TD>
                        <TD STYLE="font-size: 10pt; width: 263.34pt; border-width: 0; margin: 0; padding: 0; height: 0">
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 27.5pt">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #BFBFBF; vertical-align: bottom">
                            <P STYLE="font-size: 10pt; margin-bottom: 0pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Hypothetical </font></FONT><FONT STYLE="font-family: Times New Roman, Times, serif; font-size: 10pt"></FONT><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Final Underlier Level</font></FONT></P>
                            <P STYLE="font-size: 10pt; margin-bottom: 0pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">(as Percentage of Initial Underlier Level)</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #BFBFBF; vertical-align: bottom">
                            <P STYLE="font-size: 10pt; margin-bottom: 0pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Hypothetical Cash Settlement Amount</font></FONT></P>
                            <P STYLE="font-size: 10pt; margin-bottom: 0pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">(as Percentage of Face Amount)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 4.07pt">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; margin-bottom: 0pt; text-align: center; margin-top: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">200.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">175.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">150.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">125.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 7.92pt">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">120.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 7.92pt">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #BFBFBF">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #BFBFBF">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #FFFFFF">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">115.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #FFFFFF">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">110.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">105.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">100.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">95.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">90.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #BFBFBF">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">85.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #BFBFBF">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">116.740%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">80.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">94.118%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">75.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">88.235%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">50.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">58.824%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 7.59pt">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">25.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">29.412%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #BFBFBF">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">0.000%</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #BFBFBF">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">0.000%</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P STYLE="font-size: 10pt; margin-top: 9.9pt; margin-bottom: 0pt; margin-left: -4.95pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">If, for example, the Final Underlier Level were determined to be 25.000% of the Initial Underlier Level, the Cash Settlement Amount would be approximately 29.412% of the Face Amount of notes, as shown in the table above.  As a result, if you purchased your notes on the Original Issue Date at the Face Amount and held them to the Stated Maturity Date, you would lose approximately 70.588% of your investment.  If you purchased your notes at a premium to the Face Amount, you would lose a correspondingly higher percentage of your investment.  </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 9.9pt; margin-bottom: 0pt; margin-left: -4.95pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">If the Final Underlier Level were determined to be 150.000% of the Initial Underlier Level, the Cash Settlement Amount would be capped at the Maximum Settlement Amount (expressed as a percentage of the Face Amount), or 116.740% of each $1,000 Face Amount of notes, as shown in the table above.  As a result, if you purchased the notes on the Original Issue Date at the Face Amount and held them to the Stated Maturity Date, you would not benefit from any increase in the Final Underlier Level above 85.000% of the Initial Underlier Level.</font></FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">8</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV STYLE="font-size: 10pt; page-break-after: always; border-bottom: black 1pt solid">
            <P STYLE="font-size: 10pt"></P>
        </DIV>
        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 673.2pt">
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; margin-top: 9.9pt; margin-bottom: 0pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Payoff Diagram</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 9.9pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The following chart shows a graphical illustration of the hypothetical Cash Settlement Amount (expressed as a percentage of the Face Amount of notes), if the Final Underlier Level (expressed as a percentage of the Initial Underlier Level) were any of the hypothetical levels shown on the horizontal axis. The chart shows that any hypothetical Final Underlier Level (expressed as a percentage of the Initial Underlier Level) of less than the Threshold Level of 85% (the section left of the 85% marker on the horizontal axis) would result in a hypothetical Cash Settlement Amount of less than 100% of the Face Amount of notes (the section below the 100% marker on the vertical axis), and, accordingly, in a loss of principal to the holder of the notes. The chart also shows that any hypothetical Final Underlier Level (expressed as a percentage of the Initial Underlier Level) of greater than or equal to 85% (the section right of the 85% marker on the horizontal axis) would result in a capped return on your investment and a Cash Settlement Amount equal to the Maximum Settlement Amount.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 13pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: #296DC1"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <TABLE STYLE="font-size: 10pt; margin-left: auto; width: 514.25pt; table-layout: fixed; border-collapse: collapse; margin-right: auto">
                    <TR STYLE="font-size: 10pt">
                        <TD STYLE="font-size: 10pt; width: 514.25pt; border-width: 0; margin: 0; padding: 0; height: 0">
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 36.63pt">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #D9D9D9; vertical-align: middle">
                            <P STYLE="font-size: 10pt; text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 10pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: black"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Hypothetical Payoff Diagram</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 347.16pt">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="font-size: 10pt; margin-top: 13.2pt; line-height: 1.2; text-align: center; margin-bottom: 0"><FONT STYLE="font: normal 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; width: 460.35pt; height: 357.23pt">                                        <IMG SRC="image1.gif" STYLE="font-size: 10pt; width: 460.35pt; height: 357.23pt">
                                        </FONT></FONT></P>
&nbsp;
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">9</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV STYLE="font-size: 10pt; page-break-after: always; border-bottom: black 1pt solid">
            <P STYLE="font-size: 10pt"></P>
        </DIV>
        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 673.2pt">
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">RISK FACTORS</font></FONT></P>
                <TABLE WIDTH="100%" STYLE="font-size: 10pt; margin-left: -0.55pt; width: 100%; table-layout: fixed; border-collapse: collapse">
                    <TR STYLE="font-size: 10pt">
                        <TD WIDTH="110%" STYLE="font-size: 10pt; width: 110%; border-width: 0; margin: 0; padding: 0; height: 0">
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 0.55pt; border: #000000 1pt solid">
                            <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: italic 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">This section describes the material risks relating to the notes.  For further discussion of these and other risks, you should read the section entitled &#8220;Risk Factors&#8221; in the accompanying product supplement and prospectus.  We also urge you to consult your investment, legal, tax, accounting and other advisers in connection with your investment in the notes.</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; text-align: left; margin-bottom: 2.2pt; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif; text-decoration: underline solid"><U STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">RISKS RELATING TO AN INVESTMENT IN THE NOTES</font></U></FONT></P>
                <P STYLE="font-size: 10pt; text-align: left; margin-bottom: 2.2pt; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Notes Do Not Pay Interest Or Guarantee The Return Of Any Of Your Principal</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The terms of the notes differ from those of ordinary debt securities in that the notes do not pay interest and do not guarantee any return of principal at maturity.  If the Final Underlier Level has declined by an amount greater than the Threshold Amount of 15% from the Initial Underlier Level, you will receive for each note that you hold a Cash Settlement Amount that is less than the Face Amount of each note by an amount proportionate to the decline in the level of the Underlier below the Threshold Level of 85% of the Initial Underlier Level times the Buffer Rate of approximately 117.65%.  As there is no minimum Cash Settlement Amount on the notes, you could lose your entire initial investment.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Also, the market price of your notes prior to the Stated Maturity Date may be significantly lower than the purchase price you pay for your notes.  Consequently, if you sell your notes before the Stated Maturity Date, you may receive significantly less than the amount of your investment in the notes.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Appreciation Potential Of The Notes Is Limited By The Maximum Settlement Amount</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The appreciation potential of the notes is limited by the Maximum Settlement Amount of </font></FONT><FONT STYLE="font: normal 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">$1,167.40 to $1,196.90 </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">per note, or 116.740% to 119.690% of the Face Amount.  The actual Maximum Settlement Amount will be determined on the Trade Date.  Because the Cash Settlement Amount will be limited to 116.740% to 119.690% of the Face Amount for the notes, any increase in the Final Underlier Level over the Threshold Level will not increase the return on the notes, even if the Final Underlier Level is significantly greater than the Initial Underlier Level.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Stated Maturity Date Of The Notes Is A Pricing Term And Will Be Determined By Us On The Trade Date</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">We will not fix the Stated Maturity Date until the Trade Date, and so you will not know the exact term or the Determination Date of the notes at the time that you make your investment decision. The term could be as short as approximately 2 years and 3 months, and as long as approximately 2 years and 6 months. You should be willing to hold your notes for up to approximately 2 years and 6 months, and the Stated Maturity Date selected by us could have an impact on the value of the notes. For example, if the Underlier appreciates, a note with a shorter term will result in a higher annualized return based on that appreciation than a note with a longer term. In addition, the Underlier may be lower on the actual Determination Date and the Cash Settlement Amount may be lower than if the Determination Date and Stated Maturity Date had been set differently in the three-month range.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">If You Purchase Your Notes At A Premium To The Face Amount, The Return On Your Investment Will Be Lower Than The Return On Notes Purchased At The Face Amount, And The Impact Of Certain Key Terms Of The Notes Will Be Negatively Affected  </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Cash Settlement Amount will not be adjusted based on the issue price you pay for the notes.  If you purchase notes at a price that differs from the Face Amount of notes, then the return on your investment in such notes held to the Stated Maturity Date will differ from, and may be substantially less than, the return on notes purchased at the Face Amount.  If you purchase your notes at a premium to the Face Amount and hold them to the Stated Maturity Date, the return on your investment in the notes will be lower than it would have been had you purchased the notes at the Face Amount or at a discount to the Face Amount.  In addition, the impact of the Threshold Level and the Maximum Settlement Amount on the return on your investment will depend upon the price you pay for your notes relative to the Face Amount.  For example, if you purchase your notes at a premium to the Face Amount, the Threshold Level will not offer the same measure of protection to your investment as would have been the case for notes </font></FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">10</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV STYLE="font-size: 10pt; page-break-after: always; border-bottom: black 1pt solid">
            <P STYLE="font-size: 10pt"></P>
        </DIV>
        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 673.2pt">
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">purchased at the Face Amount or at a discount to the Face Amount. Additionally, the Cash Settlement Amount will be limited to the Maximum Settlement Amount, which would represent a lower percentage return relative to your initial investment than it would have been had you purchased the notes at the Face Amount.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Market Price Will Be Influenced By Many Unpredictable Factors</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Several factors, many of which are beyond our control, will influence the value of the notes in the secondary market and the price at which MS &amp; Co. may be willing to purchase or sell the notes in the secondary market, including: the level of the Underlier, volatility (frequency and magnitude of changes in value) of the Underlier and dividend yield of the Underlier, interest and yield rates, time remaining to maturity, geopolitical conditions and economic, financial, political and regulatory or judicial events that affect the Underlier or equities markets generally and which may affect the Final Underlier Level of the Underlier and any actual or anticipated changes in our credit ratings or credit spreads.  The level of the Underlier may be, and has been, volatile, and we can give you no assurance that the volatility will lessen.  See &#8220;The Underlier&#8221; below.  You may receive less, and possibly significantly less, than the Face Amount per note if you try to sell your notes prior to maturity.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif; background-color: #FFFFFF"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Notes 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 Notes  </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif; background-color: #FFFFFF"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">You are dependent on our ability to pay all amounts due on the notes at maturity, and therefore you are subject to our credit risk.  If we default on our obligations under the notes, your investment would be at risk and you could lose some or all of your investment.  As a result, the market value of the notes 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 notes.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif; background-color: #FFFFFF"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">As A Finance Subsidiary, MSFL Has No Independent Operations And Will Have No Independent Assets</font></FONT></P>
                <P STYLE="font-size: 10pt; text-align: left; margin-bottom: 2.2pt; margin-top: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif; background-color: #FFFFFF"><FONT STYLE="font-size: 10pt; 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 the notes if they make claims in respect of such notes 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: italic 10pt Arial, sans-serif; background-color: #FFFFFF"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">pari passu</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif; background-color: #FFFFFF"><FONT STYLE="font-size: 10pt; 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 the notes should accordingly assume that in any such proceedings they could not have any priority over and should be treated </font></FONT><FONT STYLE="font: italic 10pt Arial, sans-serif; background-color: #FFFFFF"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">pari passu</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif; background-color: #FFFFFF"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> with the claims of other unsecured, unsubordinated creditors of Morgan Stanley, including holders of Morgan Stanley-issued securities.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Amount Payable On The Notes Is Not Linked To The Level Of The Underlier At Any Time Other Than The Determination Date </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Final Underlier Level will be based on the Closing Level on the Determination Date, subject to adjustment for non-Trading Days and certain market disruption events.  Even if the level of the Underlier appreciates prior to the Determination Date but then drops by the Determination Date, the Cash Settlement Amount may be less, and may be significantly less, than it would have been had the Cash Settlement Amount been linked to the level of the Underlier prior to such drop.  Although the actual level of the Underlier on the Stated Maturity Date or at other times during the term of the notes may be higher than the Final Underlier Level, the Cash Settlement Amount will be based solely on the Closing Level on the Determination Date.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Investing In The Notes Is Not Equivalent To Investing In The Underlier</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Investing in the notes is not equivalent to investing in the Underlier or its component stocks.  Investors in the notes will not have voting rights or rights to receive dividends or other distributions or any other rights with respect to stocks that constitute the Underlier.</font></FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">11</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV STYLE="font-size: 10pt; page-break-after: always; border-bottom: black 1pt solid">
            <P STYLE="font-size: 10pt"></P>
        </DIV>
        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 673.2pt">
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; 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 Notes In The Original Issue Price Reduce The Economic Terms Of The Notes, Cause The Estimated Value Of The Notes To Be Less Than The Original Issue Price And Will Adversely Affect Secondary Market Prices  </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; 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 notes in secondary market transactions will likely be significantly lower than the Original Issue Price, because secondary market prices will exclude the issuing, selling, structuring and hedging-related costs that are included in the Original Issue Price and borne by you and because the secondary market prices will reflect our secondary market credit spreads and the bid-offer spread that any dealer would charge in a secondary market transaction of this type as well as other factors.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The inclusion of the costs of issuing, selling, structuring and hedging the notes, including a fee payable by our affiliate MS &amp; Co. to iCapital Markets LLC, which is a broker-dealer in which an affiliate of Goldman Sachs &amp; Co. LLC, a dealer participating in the distribution of the notes, holds an indirect minority equity interest, for services it is providing in connection with this offering in the Original Issue Price and the lower rate we are willing to pay as issuer make the economic terms of the notes less favorable to you than they otherwise would be.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">However, because the costs associated with issuing, selling, structuring and hedging the notes 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 notes in the secondary market, absent changes in market conditions, including those related to the Underlier, and to our secondary market credit spreads, it would do so based on values higher than the estimated value, and we expect that those higher values will also be reflected in your brokerage account statements.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Estimated Value Of The Notes 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></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; 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 notes than those generated by others, including other dealers in the market, if they attempted to value the notes.  In addition, the estimated value on the Trade Date does not represent a minimum or maximum price at which dealers, including MS &amp; Co., would be willing to purchase your notes in the secondary market (if any exists) at any time.  The value of your notes at any time after the date hereof 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></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Notes Will Not Be Listed On Any Securities Exchange And Secondary Trading May Be Limited</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The notes will not be listed on any securities exchange.  Therefore, there may be little or no secondary market for the notes. MS &amp; Co. may, but is not obligated to, make a market in the notes and, if it once chooses to make a market, may cease doing so at any time.  When it does make a market, it will generally do so for transactions of routine secondary market size at prices based on its estimate of the current value of the notes, taking into account its bid/offer spread, our credit spreads, market volatility, the notional size of the proposed sale, the cost of unwinding any related hedging positions, the time remaining to maturity and the likelihood that it will be able to resell the notes.  Even if there is a secondary market, it may not provide enough liquidity to allow you to trade or sell the notes easily.  Since other broker-dealers may not participate significantly in the secondary market for the notes, the price at which you may be able to trade your notes is likely to depend on the price, if any, at which MS &amp; Co. is willing to transact. If, at any time, MS &amp; Co. were to cease making a market in the notes, it is likely that there would be no secondary market for the notes. Accordingly, you should be willing to hold your notes to maturity.</font></FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">12</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
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            <P STYLE="font-size: 10pt"></P>
        </DIV>
        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 673.2pt">
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; 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 Notes</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">As calculation agent, MS &amp; Co. will determine the Initial Underlier Level and the Final Underlier Level and will calculate the Cash Settlement Amount 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 the Final Underlier Level in the event of a market disruption event or discontinuance of the Underlier.  These potentially subjective determinations may adversely affect the Cash Settlement Amount at maturity, if any.  For further information regarding these types of determinations, see &#8220;Description of Securities&#8212;Postponement of Valuation Date(s)&#8221; and &#8220;&#8212;Calculation Agent and Calculations&#8221; in the accompanying product supplement.  In addition, MS &amp; Co. has determined the estimated value of the notes on the Trade Date.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Hedging And Trading Activity By Our Affiliates Could Potentially Adversely Affect The Value Of The Notes</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">One or more of our affiliates and/or third-party dealers expect to carry out hedging activities related to the notes (and possibly to other instruments linked to the Underlier or its component stocks), including trading in the stocks that constitute the Underlier as well as in other instruments related to the Underlier.  As a result, these entities may be unwinding or adjusting hedge positions during the term of the notes, and the hedging strategy may involve greater and more frequent dynamic adjustments to the hedge as the Determination Date approaches.  Some of our affiliates also trade the stocks that constitute the Underlier and other financial instruments related to the Underlier on a regular basis as part of their general broker-dealer and other businesses.  Any of these hedging or trading activities on or prior to the Trade Date could potentially increase the Initial Underlier Level, and, therefore, could increase the Threshold Level, which is the level at or above which the Underlier must close on the Determination Date so that investors do not suffer a loss on their initial investment in the notes.  Additionally, such hedging or trading activities during the term of the notes, including on the Determination Date, could adversely affect the level of the Underlier on the Determination Date, and, accordingly, the Cash Settlement Amount an investor will receive at maturity, if any.  Furthermore, if the dealer from which you purchase notes is to conduct trading and hedging activities for us in connection with the notes, that dealer may profit in connection with such trading and hedging activities and such profit, if any, will be in addition to the compensation that the dealer receives for the sale of the notes to you.  You should be aware that the potential to earn a profit in connection with hedging activities may create a further incentive for the dealer to sell the notes to you, in addition to the compensation they would receive for the sale of the notes.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">We May Sell An Additional Aggregate Face Amount Of Notes At A Different Issue Price</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">At our sole option, we may decide to sell an additional aggregate Face Amount of notes subsequent to the date hereof. The issue price of the notes in the subsequent sale may differ substantially (higher or lower) from the issue price you paid as provided on the cover of this document.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 6.6pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The U.S. Federal Income Tax Consequences Of An Investment In The Notes Are Uncertain  </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Please read the discussion under &#8220;Tax Considerations&#8221; in this document and the discussion under &#8220;United States Federal Taxation&#8221; in the accompanying product supplement (together, the &#8220;Tax Disclosure Sections&#8221;) concerning the U.S. federal income tax consequences of an investment in the notes.  There is no direct legal authority regarding the proper U.S. federal tax treatment of the notes, and we do not plan to request a ruling from the Internal Revenue Service (the &#8220;IRS&#8221;).  Consequently, significant aspects of the tax treatment of the notes are uncertain, and the IRS or a court might not agree with the tax treatment of a note as a single financial contract that is an &#8220;open transaction&#8221; for U.S. federal income tax purposes.  If the IRS were successful in asserting an alternative treatment of the notes, the tax consequences of the ownership and disposition of the notes, including the timing and character of income recognized by U.S. Holders and the withholding tax consequences to Non-U.S. Holders, might be materially and adversely affected. Moreover, future legislation, Treasury regulations or IRS guidance could adversely affect the U.S. federal tax treatment of the notes, possibly retroactively.</font></FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">13</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV STYLE="font-size: 10pt; page-break-after: always; border-bottom: black 1pt solid">
            <P STYLE="font-size: 10pt"></P>
        </DIV>
        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 673.2pt">
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; 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 notes, including possible alternative treatments, as well as any tax consequences arising under the laws of any state, local or non-U.S. taxing jurisdiction.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 13.2pt; margin-bottom: 13.2pt; text-align: left"><FONT STYLE="font: normal bold 10pt Arial, sans-serif; text-decoration: underline solid"><U STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">RISKS RELATING TO THE UNDERLIER</font></U></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The Underlier Reflects The Price Return Of The Stocks Composing The Underlier, Not A Total Return  </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The return on the notes is based on the performance of the Underlier, which reflects the changes in the market prices of the stocks composing the Underlier.  It is not, however, linked to a &#8220;total return&#8221; version of the Underlier, which, in addition to reflecting those price returns, would also reflect all dividends and other distributions paid on the stocks composing the Underlier.  The return on the notes will not include such a total return feature.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Adjustments To The Underlier Could Adversely Affect The Value Of The Notes</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The publisher of the Underlier may add, delete or substitute the stocks constituting the Underlier or make other methodological changes that could change the level of the Underlier.  The publisher of the Underlier may discontinue or suspend calculation or publication of the Underlier at any time.  In these circumstances, the calculation agent will have the sole discretion to substitute a successor index that is comparable to the discontinued Underlier and is permitted to consider indices that are calculated and published by the calculation agent or any of its affiliates.  If the calculation agent determines that there is no appropriate successor index, the Cash Settlement Amount on the notes will be an amount based on the closing prices at maturity of the securities composing the Underlier at the time of such discontinuance, without rebalancing or substitution, computed by the calculation agent in accordance with the formula for calculating the Underlier last in effect prior to discontinuance of the Underlier.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 2.2pt; text-align: center; margin-top: 0"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Past Performance is No Guide to Future Performance</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The actual performance of the Underlier over the term of the notes, as well as the amount payable at maturity, may bear little relation to the historical Closing Levels of the Underlier or to the hypothetical return examples set forth herein.  We cannot predict the future performance of the Underlier.</font></FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">14</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
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            <P STYLE="font-size: 10pt"></P>
        </DIV>
        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 673.2pt">
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; margin-bottom: 6.6pt; text-align: center; margin-top: 0"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">THE UNDERLIER</font></FONT></P>
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 6.6pt; margin-top: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The S&amp;P 500</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Index, which is calculated, maintained and published by S&amp;P</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Dow Jones Indices LLC (&#8220;S&amp;P</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#8221;), is intended to provide a benchmark for performance measurement of the large capitalization segment of the U.S. equity markets by tracking the stock price movement of 500 companies with large market capitalizations. Component stocks of the S&amp;P 500</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Index are required to have a total company level market capitalization that reflects approximately the 85</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">th</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> percentile of the S&amp;P</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Total Market Index. The S&amp;P 500</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Index measures the relative performance of the common stocks of 500 companies as of a particular time as compared to the performance of the common stocks of 500 similar companies during the base period of the years 1941 through 1943. For additional information about the S&amp;P 500</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Index, see the information set forth under &#8220;S&amp;P</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> U.S. Indices&#8212;S&amp;P 500</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Index&#8221; in the accompanying index supplement.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 6.6pt; margin-top: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">In addition, information about the Underlier may be obtained from other sources including, but not limited to, the Underlier Publisher&#8217;s website (including information regarding (i) the Underlier&#8217;s top ten constituents and (ii) the Underlier&#8217;s sector weightings). We are not incorporating by reference into this document the website or any material it includes. Neither the issuer nor the agent makes any representation that such publicly available information regarding the Underlier is accurate or complete.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 9.9pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Information as of market close on December 9, 2025:</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 9.9pt; margin-bottom: 0pt; line-height: 7pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <TABLE STYLE="font-size: 10pt; margin-left: auto; width: 255.53pt; table-layout: fixed; border-collapse: collapse; margin-right: auto">
                    <TR STYLE="font-size: 10pt">
                        <TD STYLE="font-size: 10pt; width: 162.03pt; border-width: 0; margin: 0; padding: 0; height: 0">
                        </TD>
                        <TD STYLE="font-size: 10pt; width: 93.5pt; border-width: 0; margin: 0; padding: 0; height: 0">
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="font-size: 10pt; margin-top: 1.65pt; margin-bottom: 1.65pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Bloomberg Ticker Symbol:</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: middle">
                            <P STYLE="font-size: 10pt; margin-top: 1.65pt; margin-bottom: 1.65pt"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">SPX</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: bottom">
                            <P STYLE="font-size: 10pt; margin-top: 1.65pt; margin-bottom: 1.65pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Current Index Value:</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: bottom">
                            <P STYLE="font-size: 10pt; margin-top: 1.65pt; margin-bottom: 1.65pt"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">6,840.51</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: bottom">
                            <P STYLE="font-size: 10pt; margin-top: 1.65pt; margin-bottom: 1.65pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">52 Weeks Ago:</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: bottom">
                            <P STYLE="font-size: 10pt; margin-top: 1.65pt; margin-bottom: 1.65pt"><FONT STYLE="color: #000000; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">6,052.85</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: bottom">
                            <P STYLE="font-size: 10pt; margin-top: 1.65pt; margin-bottom: 1.65pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">52 Week High (on 10/28/2025):</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: bottom">
                            <P STYLE="font-size: 10pt; margin-top: 1.65pt; margin-bottom: 1.65pt"><FONT STYLE="color: #000000; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">6,890.89</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 8.42pt">
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: bottom">
                            <P STYLE="font-size: 10pt; margin-top: 1.65pt; margin-bottom: 1.65pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">52 Week Low (on 4/8/2025):</font></FONT></P>
                        </TD>
                        <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; vertical-align: bottom">
                            <P STYLE="font-size: 10pt; margin-top: 1.65pt; margin-bottom: 1.65pt"><FONT STYLE="color: #000000; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">4,982.77</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P STYLE="font-size: 10pt; margin-top: 9.9pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The following graph sets forth the daily Closing Levels of the Underlier for each quarter in the period from January 1, 2020 through December 9, 2025.  The Closing Level of the Underlier on December 9, 2025 was 6,840.51.  We obtained the information in the graph below from Bloomberg Financial Markets without independent verification.  The Underlier has at times experienced periods of high volatility.  The actual performance of the Underlier over the term of the notes, as well as the amount payable at maturity, may bear little relation to the historical Closing Levels of the Underlier or to the hypothetical return examples set forth herein.  We cannot predict the future performance of the Underlier.  You should not take the historical levels of the Underlier as an indication of its future performance, and no assurance can be given as to the Closing Level of the Underlier on the Determination Date.</font></FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">15</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
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        <DIV STYLE="font-size: 10pt; page-break-after: always; border-bottom: black 1pt solid">
            <P STYLE="font-size: 10pt"></P>
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        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 673.2pt">
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
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                    <TABLE STYLE="font-size: 10pt; margin: 0 auto 0 -5.94pt; width: 520.74pt; table-layout: fixed; border-collapse: collapse; margin-left: auto">
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                            <TD STYLE="font-size: 10pt; width: 520.74pt; border-width: 0; margin: 0; padding: 0; height: 0">
                            </TD>
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                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 34.82pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 5.94pt; background-color: #D9D9D9">
                                <P STYLE="font-size: 10pt; margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 10pt; text-align: center"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">S&amp;P 500</font></FONT><FONT STYLE="font: bold 10pt Arial, sans-serif; vertical-align: super"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> Index</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 10pt; text-align: center"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Daily Underlier Closing Values</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 10pt; text-align: center"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">January 1, 2020 to December 9, 2025</font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                </DIV>
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif"><FONT STYLE="font-size: 10pt; width: 514.8pt; height: 250.8pt">                            <IMG SRC="image2.gif" STYLE="font-size: 10pt; width: 514.8pt; height: 250.8pt">
                            </FONT></FONT></P>
                <P STYLE="font-size: 10pt; padding-left: 9.9pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; padding-left: 9.9pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#8220;Standard &amp; Poor&#8217;s</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">,&#8221; &#8220;S&amp;P</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">,&#8221; &#8220;S&amp;P 500</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">,&#8221; &#8220;Standard &amp; Poor&#8217;s 500&#8221; and &#8220;500&#8221; are trademarks of Standard and Poor&#8217;s Financial Services LLC. For more information, see &#8220;S&amp;P</font></FONT><FONT STYLE="font-family: Arial, sans-serif; vertical-align: super; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&#174;</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> U.S. Indices&#8221; in the accompanying index supplement.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
            </DIV>
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                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">16</FONT></FONT></P>
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                <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">TAX CONSIDERATIONS</font></FONT></P>
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
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                            <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 3.3pt"><FONT STYLE="font-family: Arial, sans-serif; color: #000000; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Although there is uncertainty regarding the U.S. federal income tax consequences of an investment in the </font></FONT><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">notes</font></FONT><FONT STYLE="font-family: Arial, sans-serif; color: #000000; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> due to the lack of governing authority, in the opinion of our counsel, Davis Polk &amp; Wardwell LLP, under current law, and based on current market conditions, it is reasonable to treat a note as a single financial contract that is an &#8220;open transaction&#8221; for U.S. federal income tax purposes.  However, because our counsel&#8217;s opinion is based in part on market conditions as of the date of this document, it is subject to confirmation on the Trade Date.</font></FONT></P>
                            <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 3.3pt"><FONT STYLE="font-family: Arial, sans-serif; color: #000000; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Assuming this treatment of the </font></FONT><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">notes</font></FONT><FONT STYLE="font-family: Arial, sans-serif; color: #000000; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> is respected and subject to the discussion in &#8220;United States Federal Taxation&#8221; in the accompanying product supplement, the following U.S. federal income tax consequences should result based on current law:</font></FONT></P>
                            <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 3.3pt; margin-left: 26.9pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #000000; font-size: 10pt">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-size: 10pt"><FONT STYLE="font-family: Arial, sans-serif; color: #000000; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">A U.S. Holder should not be required to recognize taxable income over the term of the </font></FONT><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">notes</font></FONT><FONT STYLE="font-family: Arial, sans-serif; color: #000000; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> prior to settlement, other than pursuant to a sale or exchange.  </font></FONT></FONT></P>
                            <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 3.3pt; margin-left: 26.9pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #000000; font-size: 10pt">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-size: 10pt"><FONT STYLE="font-family: Arial, sans-serif; color: #000000; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Upon sale, exchange or settlement of the </font></FONT><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">notes</font></FONT><FONT STYLE="font-family: Arial, sans-serif; color: #000000; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">, a U.S. Holder should recognize gain or loss equal to the difference between the amount realized and the U.S. Holder&#8217;s tax basis in the </font></FONT><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">notes</font></FONT><FONT STYLE="font-family: Arial, sans-serif; color: #000000; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">.  Such gain or loss should be long-term capital gain or loss if the investor has held the notes for more than one year, and short-term capital gain or loss otherwise.</font></FONT></FONT></P>
                            <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 3.3pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">We do not plan to request a ruling from the Internal Revenue Service (the &#8220;IRS&#8221;) regarding the treatment of the notes. An alternative characterization of the notes could materially and adversely affect the tax consequences of ownership and disposition of the notes, including the timing and character of income recognized. In addition, the U.S. Treasury Department and the IRS have requested comments on various issues regarding the U.S. federal income tax treatment of &#8220;prepaid forward contracts&#8221; and similar financial instruments and have indicated that such transactions may be the subject of future regulations or other guidance. Furthermore, members of Congress have proposed legislative changes to the tax treatment of derivative contracts. Any legislation, Treasury regulations or other guidance promulgated after consideration of these issues could materially and adversely affect the tax consequences of an investment in the notes, possibly with retroactive effect. </font></FONT></P>
                            <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 3.3pt"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">As discussed in the accompanying product supplement, Section 871(m) of the Internal Revenue Code of 1986, as amended, and Treasury regulations promulgated thereunder (&#8220;Section 871(m)&#8221;) generally impose a 30% (or a lower applicable treaty rate) withholding tax on dividend equivalents paid or deemed paid to Non-U.S. Holders with respect to certain financial instruments linked to U.S. equities or indices that include U.S. equities (each, an &#8220;Underlying Security&#8221;).  Subject to certain exceptions, Section 871(m) generally applies to securities that substantially replicate the economic performance of one or more Underlying Securities, as determined based on tests set forth in the applicable Treasury regulations (a &#8220;Specified Security&#8221;).  However, pursuant to an IRS notice, Section 871(m) will not apply to securities issued before January 1, 2027 that do not have a delta of one with respect to any Underlying Security.  Based on the terms of the notes and current market conditions, we expect that the notes will not have a delta of one with respect to any Underlying Security on the Trade Date.  However, we will provide an updated determination in the final pricing supplement.  Assuming that the notes do not have a delta of one with respect to any Underlying Security, our counsel is of the opinion that the notes should not be Specified Securities and, therefore, should not be subject to Section 871(m).</font></FONT></P>
                            <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 3.3pt"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Our determination is not binding on the IRS, and the IRS may disagree with this determination.  Section 871(m) is complex and its application may depend on your particular circumstances, including whether you enter into other transactions with respect to an Underlying Security.  If withholding is required, we will not be required to pay any additional amounts with respect to the amounts so withheld.  You should consult your tax adviser regarding the potential application of Section 871(m) to the notes.</font></FONT></P>
                            <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 3.3pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: #000000"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Both U.S. and non-U.S. investors considering an investment in the notes 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 and consult their tax advisers regarding all aspects of the U.S. federal income tax consequences of an investment in the notes, including possible alternative treatments, and any tax consequences arising under the laws of </font></FONT></P>
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                            <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 3.3pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: #000000"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">any state, local or non-U.S. taxing jurisdiction.  </font></FONT></P>
                            <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 3.3pt"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: #000000"><FONT STYLE="font-size: 10pt; 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, 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 notes.</font></FONT></P>
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                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 3.3pt; text-align: center"><FONT STYLE="font: bold 10pt Arial, sans-serif; color: #000000"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">ADDITIONAL INFORMATION ABOUT THE NOTES</font></FONT><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> </font></FONT></P>
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 1.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">No interest or dividends:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> The notes will not pay interest or dividends.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.5pt; margin-bottom: 1.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.5pt; margin-bottom: 1.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">No listing:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> The notes will not be listed on any securities exchange.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.5pt; margin-bottom: 1.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.5pt; margin-bottom: 0pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">No redemption:</font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> The notes will not be subject to any redemption right.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 0"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Purchase at amount other than Face Amount: </font></FONT><FONT STYLE="font: normal 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The amount we will pay you on the Stated Maturity Date for your notes will not be adjusted based on the issue price you pay for your notes, so if you acquire notes at a premium (or discount) to the Face Amount and hold them to the Stated Maturity Date, it could affect your investment in a number of ways. The return on your investment in such notes will be lower (or higher) than it would have been had you purchased the notes at the Face Amount.  Also, the Threshold Level would not offer the same measure of protection to your investment as would be the case if you had purchased the notes at the Face Amount.  Additionally, the Maximum Settlement Amount would represent a lower (or higher) percentage return than it would have had you purchased the notes at the Face Amount.  See &#8220;Risk Factors&#8212;If You Purchase Your Notes At A Premium To The Face Amount, The Return On Your Investment Will Be Lower Than The Return On Notes Purchased At The Face Amount, And The Impact Of Certain Key Terms Of The Notes Will Be Negatively Affected&#8221; beginning on page 10 of this document.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font: normal 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Use of proceeds and hedging: </font></FONT><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">The proceeds from the sale of the notes will be used by us for general corporate purposes.  We will receive, in aggregate, $1,000 per note issued.  The costs of the notes borne by you and described on page 2 comprise the cost of issuing, structuring and hedging the notes.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">On or prior to the Trade Date, we will hedge our anticipated exposure in connection with the notes, by entering into hedging transactions with our affiliates and/or third-party dealers.  We expect our hedging counterparties to take positions in stocks of the Underlier, futures and options contracts on the Underlier, and any component stocks of the Underlier listed on major securities markets or positions in any other available securities or instruments that they may wish to use in connection with such hedging.  Such purchase activity could increase the level of the Underlier on the Trade Date, and therefore increase the Threshold Level, which is the level at or above which the Underlier must close on the Determination Date so that investors do not suffer a loss on their initial investment in the notes.  In addition, through our affiliates, we are likely to modify our hedge position throughout the term of the notes, including on the Determination Date, by purchasing and selling the stocks constituting the Underlier, futures or options contracts on the Underlier or its component stocks listed on major securities markets or positions in any other available securities or instruments that we may wish to use in connection with such hedging activities.  As a result, these entities may be unwinding or adjusting hedge positions during the term of the notes, and the hedging strategy may involve greater and more frequent dynamic adjustments to the hedge as the Determination Date approaches.  We cannot give any assurance that our hedging activities will not affect the level of the Underlier, and, therefore, adversely affect the value of the notes or the payment you will receive at maturity, if any.  For further information on our use of proceeds and hedging, see &#8220;Use of Proceeds and Hedging&#8221; in the accompanying product supplement.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Additional considerations: </font></FONT><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; 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 notes, either directly or indirectly.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Supplemental information regarding plan of distribution; conflicts of interest:  </font></FONT><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">MS &amp; Co., acting as our agent, will sell all of the notes that it purchases from us to an unaffiliated dealer at the original issue price of 100.00%, or $1,000 per Face Amount of notes. Such dealer will sell the notes to investors at the same price without a discount or commission. MS &amp; Co., the agent for this offering, is our affiliate. Because MS &amp; Co. is both our affiliate and a member of the Financial Industry Regulatory Authority, Inc. (&#8220;FINRA&#8221;), the underwriting arrangements for this offering must comply with the requirements of FINRA Rule 5121 regarding a FINRA member firm&#8217;s distribution of the securities of an affiliate and related </font></FONT></P>
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            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">19</FONT></FONT></P>
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        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 673.2pt">
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
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            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">conflicts of interest. In accordance with FINRA Rule 5121, MS &amp; Co. may not make sales in offerings of the notes to any of its discretionary accounts without the prior written approval of the customer.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; 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 notes.  When MS &amp; Co. prices this offering of notes, it will determine the economic terms of the notes, including the Maximum Settlement Amount, such that for each note the estimated value on the Trade Date will be no lower than the minimum level described in &#8220;Estimated Value&#8221; on page 2. </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 1.5pt; margin-top: 1.5pt"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-bottom: 0pt; margin-top: 1.5pt"><FONT STYLE="font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="font-size: 10pt; 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 notes 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="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font: bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Settlement: </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">We expect to deliver the notes against payment for the notes on the Original Issue Date, which will be the third scheduled Business Day following the Trade Date.  Under Rule 15c6-1 of the Securities Exchange Act of 1934, as amended, trades in the secondary market generally are required to settle in one Business Day, unless the parties to a trade expressly agree otherwise.  Accordingly, if the Original Issue Date is more than one Business Day after the Trade Date, purchasers who wish to transact in the notes more than one Business Day prior to the Original Issue Date will be required to specify alternative settlement arrangements to prevent a failed settlement.</font></FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">20</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV STYLE="font-size: 10pt; page-break-after: always; border-bottom: black 1pt solid">
            <P STYLE="font-size: 10pt"></P>
        </DIV>
        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 673.2pt">
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 39.6pt 79.2pt 0; min-height: 39.6pt; position: relative">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 10pt 79.2pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font: normal bold 10pt Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">WHERE YOU CAN FIND MORE INFORMATION</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">MSFL and Morgan Stanley have filed a registration statement (including a prospectus, as supplemented by the product supplement 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, the index supplement and any other documents relating to this offering that MSFL and Morgan Stanley have filed with the SEC for more complete information about MSFL, Morgan Stanley 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</font></FONT><FONT STYLE="font-size: 10pt; color: #FFFFFF; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">www.sec.gov.  Alternatively, MSFL and/or Morgan Stanley will arrange to send you the product supplement, index supplement and prospectus if you so request by calling toll-free 800-584-6837.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">You may access these documents on the SEC web site at</font></FONT><FONT STYLE="font-size: 10pt; color: #FFFFFF; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap"> </font></FONT><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">www.sec.gov as follows:</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000095010323016335/dp202680_424b2-epsuppjump.htm" STYLE="color: Black; font-size: 10pt; text-decoration: none; word-break: break-all"><FONT STYLE="font-size: 10pt; color: black; text-decoration: none; display: inline-block; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Product Supplement dated November 16, 2023</font></FONT></A></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000095010323016332/dp202718_424b2-isn2023.htm" STYLE="color: Black; font-size: 10pt; text-decoration: none; word-break: break-all"><FONT STYLE="font-size: 10pt; color: black; text-decoration: none; display: inline-block; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Index Supplement dated November 16, 2023</font></FONT></A></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000095010324005205/dp209505_424b2-base.htm" STYLE="color: Black; font-size: 10pt; text-decoration: none; word-break: break-all"><FONT STYLE="font-size: 10pt; color: black; text-decoration: none; display: inline-block; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Prospectus dated April 12, 2024</font></FONT></A></P>
                <P STYLE="font-size: 10pt; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">Terms used but not defined in this document are defined in the product supplement, in the index supplement or in the prospectus.  </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif"><FONT STYLE="font-size: 10pt; white-space: pre-wrap">&nbsp;</font></FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 514.8pt; padding: 0 79.2pt 39.6pt; min-height: 39.6pt; position: relative">
                <P STYLE="font-size: 10pt; text-align: center; margin-top: 5.5pt; margin-bottom: 5.5pt"><FONT STYLE="font-size: 10pt; font-family: Arial, sans-serif"><FONT STYLE="font-size: 10pt">21</FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; font-family: Times New Roman, Times, serif">&nbsp;</FONT></P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
