<SEC-DOCUMENT>0001839882-25-062370.txt : 20251031
<SEC-HEADER>0001839882-25-062370.hdr.sgml : 20251031
<ACCEPTANCE-DATETIME>20251031133644
ACCESSION NUMBER:		0001839882-25-062370
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20251031
DATE AS OF CHANGE:		20251031

SUBJECT COMPANY:	

	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:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-275587
		FILM NUMBER:		251439693

	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

FILED BY:		

	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:		FWP

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>FWP
<SEQUENCE>1
<FILENAME>ms11823_fwp-36219.htm
<DESCRIPTION>FREE WRITING PROSPECTUS TO PRELIMINARY PRICING SUPPLEMENT NO. 11,823
<TEXT>
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        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 871.2pt">
            <DIV STYLE="font-size: 10pt; width: 792pt; padding: 23.76pt 39.6pt 0; min-height: 15.84pt; position: relative">
                <DIV STYLE="font-size: 10pt; position: absolute; width: 300.14pt; height: 36.03pt; z-index: 251657728; left: 531.85pt; top: 16.17pt">
                    <P STYLE="font-size: 10pt; line-height: 1.1; text-align: right; margin-top: 0; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Free Writing Prospectus to Preliminary Pricing Supplement No. 11,823</font></FONT></P>
                    <P STYLE="font-size: 10pt; line-height: 1.1; text-align: right; margin-top: 0; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Registration Statement Nos. 333-275587; 333-275587-01</font></FONT></P>
                    <P STYLE="font-size: 10pt; line-height: 1.1; text-align: right; margin-top: 0; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Dated October 31, 2025; Filed pursuant to Rule 433</font></FONT></P>
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                <P STYLE="font-size: 10pt; border-bottom: black 0.5pt solid; padding-left: 0pt; margin-top: 0pt; margin-bottom: 0"><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "></FONT><FONT style="color: black; font-size: 18.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="text-transform: none; color: black; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="color: black; font-size: 18.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="text-transform: none; color: black; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="color: #595959; font-size: 20.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "><font style='white-space: pre-wrap;'> </font></FONT></P>
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            <DIV STYLE="font-size: 10pt; width: 792pt; padding: 10pt 39.6pt; position: relative; margin-bottom: 20pt">
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                    <P STYLE="font-size: 10pt; margin-top: 6.6pt; line-height: 18pt; padding-left: 0pt; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: black; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>SPXFP</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: black; font-size: 20.0pt; "><font style='white-space: pre-wrap;'> Market-Linked Notes due November 26, 2030</font></FONT></P>
                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 11pt; padding-left: 0pt"><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: black; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>This document provides a summary of the terms of the notes.  Investors must carefully review the accompanying preliminary pricing supplement referenced below, product supplement, index supplement and prospectus, and the &#8220;Risk Considerations&#8221; on the following page, prior to making an investment decision.</font></FONT></P>
                </DIV>
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                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border-top: black 0.5pt solid; border-right: black 0.5pt solid; border-left: black 0.5pt solid; background-color: #296DC1; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Terms</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #D9D9D9">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Issuer:</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #D9D9D9">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Guarantor:</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #D9D9D9">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Underlier:</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 11pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'> Futures Excess Return Index&#8236;&#8236; (SPXFP)</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #D9D9D9">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Participation rate:</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>108%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #D9D9D9">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Pricing date:</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>November 21, 2025</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #D9D9D9">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Observation date:</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>November 21, 2030</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #D9D9D9">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Maturity date:</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>November 26, 2030</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #D9D9D9">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>CUSIP:</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>61779TES2</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #D9D9D9">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Estimated value:</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>$941.10 per note, or within $55.00 of that estimate</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #D9D9D9">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Preliminary pricing supplement:</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19pt"><A href="https://www.sec.gov/Archives/edgar/data/895421/000183988225062247/ms11823_424b2-36218.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; font-size: 13.0pt; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>https://www.sec.gov/Archives/edgar/data/895421/000183988225062247/ms11823_424b2-36218.htm</font></U></FONT></A><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'> </font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>1</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>All payments are subject to our credit risk </font></FONT></P>
                </DIV>
                <DIV STYLE="font-size: 10pt; width: 39.6pt; float: left">
                    <P STYLE="font-size: 10pt">&nbsp;</P>
                </DIV>
                <DIV STYLE="font-size: 10pt; width: 375.2pt; float: left">
                    <P STYLE="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Payment at Maturity</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9pt; vertical-align: super; "><font style='white-space: pre-wrap;'>1</font></FONT></P>
                    <P STYLE="font-size: 10pt; line-height: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The payoff diagram and table below illustrate the payment at maturity for a range of hypothetical performances of the underlier over the term of the notes.</font></FONT></P>
                    <P STYLE="font-size: 10pt; margin-bottom: 6.6pt; text-align: center; margin-top: 0"><FONT style="font-family: Times New Roman, Times, serif; "><FONT style="width: 337.04pt; height: 255.31pt; ">                                <IMG width="337.04pt" height="255.31pt" src="image1.gif" style="width: 337.04pt; height: 255.31pt; ">
                                </FONT></FONT></P>
                    <DIV STYLE="font-size: 10pt; float: left; padding-top: 0.65pt">
                        <TABLE STYLE="width: 348.48pt; font-size: 10pt; margin-left: 0pt; width: 348.48pt; table-layout: fixed; border-collapse: collapse">
                            <TR STYLE="font-size: 10pt">
                                <TD STYLE="width: 174.24pt; font-size: 10pt; width: 174.24pt; border-width: 0; margin: 0; padding: 0; height: 0">
                                </TD>
                                <TD STYLE="width: 174.24pt; font-size: 10pt; width: 174.24pt; border-width: 0; margin: 0; padding: 0; height: 0">
                                </TD>
                            </TR>
                            <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                                <TD STYLE="font-size: 10pt; padding: 2pt 0pt; border: black 0.5pt solid; background-color: #296DC1; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: center"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>% Change in Closing Level of the Underlier</font></FONT></P>
                                </TD>
                                <TD STYLE="font-size: 10pt; padding: 2pt 0pt; border: black 0.5pt solid; background-color: #296DC1; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: center"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Payment at Maturity per Note</font></FONT></P>
                                </TD>
                            </TR>
                            <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>+60.00%</font></FONT></P>
                                </TD>
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; background-color: #FFFFFF">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,648.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>+40.00%</font></FONT></P>
                                </TD>
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; background-color: #D0CECE">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,432.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>+20.00%</font></FONT></P>
                                </TD>
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,216.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; background-color: #D9D9D9; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                                </TD>
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; background-color: #D9D9D9">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-20.00%</font></FONT></P>
                                </TD>
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; background-color: #D9D9D9; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-40.00%</font></FONT></P>
                                </TD>
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; background-color: #D9D9D9; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-60.00%</font></FONT></P>
                                </TD>
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; background-color: #D9D9D9; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-80.00%</font></FONT></P>
                                </TD>
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; background-color: #D9D9D9; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-100.00%</font></FONT></P>
                                </TD>
                                <TD STYLE="font-size: 10pt; padding: 0pt; border: black 0.5pt solid; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt; text-align: center"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 1.1pt">
                                <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt; border-top: black 0.5pt solid; vertical-align: middle">
                                    <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10pt"><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                                </TD>
                            </TR>
                        </TABLE>
                    </DIV>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 792pt; padding: 0 39.6pt 15.84pt; min-height: 23.76pt; position: relative">
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT style="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: 871.2pt">
            <DIV STYLE="font-size: 10pt; width: 792pt; padding: 30.09pt 39.6pt 0; min-height: 10pt; position: relative">
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT style="font-family: Times New Roman, Times, serif; ">&nbsp;</FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 792pt; padding: 10pt 39.6pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; border-top: black 0.5pt solid; margin-top: 6.6pt; line-height: 9pt; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The issuer has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus in that registration statement and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling toll-free 1-800-584-6837.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2"><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Underlier(s)</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt"><FONT style="font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>For more information about the underlier(s), including historical performance information, see the accompanying preliminary pricing supplement.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2"><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Risk Considerations</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt"><FONT style="font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The risks set forth below are discussed in more detail in the &#8220;Risk Factors&#8221; section in the accompanying preliminary pricing supplement.  Please review those risk factors carefully prior to making an investment decision. </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11pt"><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to an Investment in the </font></U><U><font style='white-space: pre-wrap;'>Notes</font></U></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes may not pay more than the stated principal amount at maturity.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes do not pay interest.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The amount payable on the notes is not linked to the value of the underlier at any time other than the observation date.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The market price of the notes may be influenced by many unpredictable factors.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>As a finance subsidiary, MSFL has no independent operations and will have no independent assets.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes will not be listed on any securities exchange and secondary trading may be limited.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>As discussed in more detail in the accompanying product supplement, investing in the notes is not equivalent to investing in the underlier(s).</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You may be required to recognize taxable income on the notes prior to maturity.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11pt"><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to the </font></U><U><font style='white-space: pre-wrap;'>Underlier(s)</font></U></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because your return on the notes will depend upon the performance of the underlier(s), the notes are subject to the following risk(s), as discussed in more detail in the accompanying product supplement.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; 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="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Higher future prices of a futures contract to which the underlier is linked relative to its current prices may adversely affect the value of the underlier and the value of the notes.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; 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="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Suspensions or disruptions of market trading in futures markets could adversely affect the value of the notes.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; 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="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Legal and regulatory changes could adversely affect the return on and value of the notes.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; padding-left: 0pt; text-align: left"><FONT style="color: #296DC1; font-size: 9.0pt; font-family: Times New Roman, Times, serif; "><font style='white-space: pre-wrap;'>&#9679;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Adjustments to the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Futures Excess Return Index could adversely affect the value of the notes.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11pt"><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to Conflicts of Interest</font></U></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt; text-align: left; margin-left: 19.8pt; 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: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hedging and trading activity by our affiliates could potentially adversely affect the value of the notes.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2"><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Tax Considerations</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11pt"><FONT style="font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You should review carefully the discussion in the accompanying preliminary pricing supplement under the caption &#8220;Additional Information About the Notes&#8211;United States federal income tax considerations&#8221; concerning the U.S. federal income tax consequences of an investment in the notes, and you should consult your tax adviser.</font></FONT></P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
