<SEC-DOCUMENT>0001839882-25-063380.txt : 20251104
<SEC-HEADER>0001839882-25-063380.hdr.sgml : 20251104
<ACCEPTANCE-DATETIME>20251103182603
ACCESSION NUMBER:		0001839882-25-063380
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20251104
DATE AS OF CHANGE:		20251103

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:		251445690

	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>ms11812_fwp-36511.htm
<DESCRIPTION>FREE WRITING PROSPECTUS TO PRELIMINARY PRICING SUPPLEMENT NO. 11,812
<TEXT>
<HTML>
    <HEAD>
        <TITLE></TITLE>
<!-- QES 7h3d0c70r 1762200623.5298526 -->
    </HEAD>
    <BODY style="text-decoration-skip-ink: none; ">
        <DIV style="margin: auto; width: 871.20pt; padding: 36pt 0; ">
            <DIV style="width: 792.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <DIV style="position: absolute; width: 300.14pt; height: 36.03pt; z-index: 251657728; left: 531.85pt; top: 10.45pt; ">
                    <P style="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. 11,812</font></FONT></P>
                    <P style="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="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 November 3, 2025; Filed pursuant to Rule 433</font></FONT></P>
                </DIV>
                <P style="border-bottom:  0.50pt solid black; padding-left: 0.0pt; margin-top: 0.0pt; 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>
            </DIV>
            <DIV style="width: 792.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <DIV>
                    <P style="margin-top: 6.6pt; line-height: 18.0pt; padding-left: 0.0pt; 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;'>Worst</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;'>-of SPX, NDXT and RTY Trigger PLUS due November 29, 2029</font></FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 11.0pt; padding-left: 0.0pt; "><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 securities.  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>
<BR clear="all" style="font-size: 1px; ">
                <DIV style="width: 375.20pt; float: left; ">
                    <TABLE width="388.08pt" style="margin-left: 0.0pt; width: 388.08pt; table-layout: fixed; border-collapse: collapse; ">
                        <TR>
                            <TD width="142.56pt" style="width: 142.56pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="245.52pt" style="width: 245.52pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #296DC1; vertical-align: middle; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Terms</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><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="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><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="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><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="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><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="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Underliers:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><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;'> Index (SPX), Nasdaq-100</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;'> Technology Sector Index</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 11pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'> (NDXT) and Russell 2000</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;'> Index (RTY)</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Leverage factor:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>153% to 163%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Downside threshold level:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>70% of the initial level for each underlier</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><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="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>November 24, 2025</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><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="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>November 26, 2029</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><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="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>November 29, 2029</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><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="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>61779TEE3</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><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="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>$931.20 per security, or within $45.00 of that estimate</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; "><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="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 15.0pt; word-break: break-all;"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000183988225063085/ms11812_424b2-36510.htm">https://www.sec.gov/Archives/edgar/data/895421/000183988225063085/ms11812_424b2-36510.htm</A></font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                    <P style="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="width: 39.60pt; float: left; ">
                    <P>&nbsp;</P>
                </DIV>
                <DIV style="width: 375.20pt; float: left; ">
                    <P style="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: 12pt; vertical-align: super; "><font style='white-space: pre-wrap;'>1</font></FONT></P>
                    <P style="line-height: 9.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The payment at maturity will be based solely on the performance of the worst performing underlier, which could be any underlier. The payoff diagram and table below illustrate the payment at maturity for a range of hypothetical performances of the worst performing underlier over the term of the securities.</font></FONT></P>
                    <P style="margin-bottom: 6.6pt; text-align: center; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; "><IMG SRC="image_001.jpg" ALT=""><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    <DIV style="float: left; padding-top: 0.65pt; ">
                        <TABLE width="348.48pt" style="margin-left: 20.0pt; width: 348.48pt; table-layout: fixed; border-collapse: collapse; ">
                            <TR>
                                <TD width="174.24pt" style="width: 174.24pt; border: 0; margin: 0; padding: 0; height: 0; ">
                                </TD>
                                <TD width="174.24pt" style="width: 174.24pt; border: 0; margin: 0; padding: 0; height: 0; ">
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #296DC1; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>% Change in Closing Level of the Worst Performing Underlier</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #296DC1; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payment at Maturity per Security</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>+60.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; vertical-align: bottom; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,918.00*</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>+40.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D9D9D9; vertical-align: bottom; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,612.00*</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>+20.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; vertical-align: bottom; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,306.00*</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D9D9D9; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>-20.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>-30.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D9D9D9; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>-31.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$690.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>-40.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D9D9D9; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$600.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>-60.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$400.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>-80.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D9D9D9; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$200.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>-100.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$0.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD colspan="2" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>*Assumes a leverage factor of 153%</font></FONT></P>
                                </TD>
                            </TR>
                        </TABLE>
                    </DIV>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
            </DIV>
            <DIV style="width: 792.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 871.20pt; padding: 36pt 0; ">
            <DIV style="width: 792.00pt; padding: 30.09pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 792.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="border-top:  0.50pt solid black; margin-top: 6.6pt; line-height: 9.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The 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="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="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; "><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="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="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; "><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="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><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 Securities</font></U></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 securities do not guarantee the return of any principal and do not pay interest.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 securities is not linked to the values of the underliers at any time other than the observation date.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 securities may be influenced by many unpredictable factors.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 securities are subject to our credit risk, and any actual or anticipated changes to our credit ratings or credit spreads may adversely affect the market value of the securities.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 securities in the original issue price reduce the economic terms of the securities, cause the estimated value of the securities to be less than the original issue price and will adversely affect secondary market prices.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 securities is determined by reference to our pricing and valuation models, which may differ from those of other dealers and is not a maximum or minimum secondary market price.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 securities will not be listed on any securities exchange and secondary trading may be limited.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 securities is not equivalent to investing in the underlier(s).</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 U.S. federal income tax consequences of an investment in the securities are uncertain.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><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="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 securities will depend upon the performance of the underlier(s), the securities are subject to the following risk(s), as discussed in more detail in the accompanying product supplement.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; 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;'>You are exposed to the price risk of each underlier.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; 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;'>Because the securities are linked to the performance of the worst performing underlier, you are exposed to a greater risk of not receiving a positive return on the securities and/or sustaining a significant loss on your investment than if the securities were linked to just one underlier.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; 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;'>Adjustments to an underlying index could adversely affect the value of the securities.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 securities are subject to risks associated with investments in securities with a concentration in the technology sector.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 securities are subject to risks associated with small-capitalization companies.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><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="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 securities.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; 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 securities.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Tax Considerations</font></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; "><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 Securities&#8211; United States federal income tax considerations&#8221; concerning the U.S. federal income tax consequences of an investment in the securities, and you should consult your tax adviser.</font></FONT></P>
            </DIV>
            <DIV style="width: 792.00pt; padding: 0 39.60pt 18.21pt 39.60pt; min-height: 21.40pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
    </BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>image_001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" %9 =$# 2(  A$! Q$!_\0
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M!Z'8T5P;:CX/1F4Z'\RQ22$?9TZI(8]F<XW%@<#T':I4U#P&Y0+:Q$NQ"_\
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M0?3K&"SMIIEA@01H#*Q( &!R3S0!Z!17#?:[G_GXE_[[-'VNY_Y^)?\ OLT
M=S17#?:[G_GXE_[[-'VNY_Y^)?\ OLT =S17#?:[G_GXE_[[-'VNY_Y^)?\
MOLT =S17!RW>ID(EG'=74\C;%5&(4'U=NBKQU/T )P#T6AZ)-I[/=W][)>7\
MJ[6;<1'&O7:BD\#/4GD_D  ;5%%% !1110 4444 %%%% !1110 5EZ)_S$?^
MOZ7^E:E9>B?\Q'_K^E_I0!J5D6D:2ZWK"2(KH?)RK#(/RUKUAA+J34==2RFC
M@NF2(12R1[U1MAP2N1D>V10!I?V98?\ /C;?]^E_PJ<11B+RA&@CQMV <8],
M5R?]E>/?^AITC_P4-_\ 'J/[*\>_]#3I'_@H;_X]0!TO]F6'_/C;?]^E_P *
ML1QQPQB.)%1!T51@#\*Y+^RO'O\ T-.D?^"AO_CU;VC0:K;V136+^WO;G>2)
M+>W,*A>,#:6;WYS0 S4=!M=2:\,TDRFZM?LC["!A,DY&1U^8UEVG@+1[/Q5-
MXBB#->S2M*_F0PO\Q7;E7,>]<#LK >N:H>(?!EO?:CK%]:Z+9M=W&FF.*Y6*
M-9#.2P)W'D':0-WIQFJ>B:)XLL?&KM<W=ZVBQSO]F\R8SCR=OW7+3@YW'()C
M=A@#<!Q2CNOF$C?E\$:3/-)+(UR6?4%U$_O>CC^ <?</)*^K$]Z2S\$V%I.)
MC>7\TBPFWC:2108X=I54!50<*&."<MSR37,ZEX?UQ;K4)-&TF2TN)F9I[PS(
M7N5,@.V-TEC=OER!YA0KT5\=9H=,\6Q02F0:I<78@4QRB]2*,J%7]UY7F/\
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MJ5EZ)_S$?^OZ7^E &I1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 445Q/CCQ/=6\D?AS0
M9%_MJ[3=)-U%E!T,I_VCR%'<\]!0!E>,M:D\4ZE<>$]-E==.AP-7NXSC=G_E
MV0^I'WCV!QWJQ!!%:V\=O!&L4,2A$1!@*HX  JMI6EVNC:=%8VB$1IR2QRSL
M>2S'N2>2:NT %%%% !145Q<0VD#33R+'&O5C_GD^U;'AS3+JZWWFHVGV> X^
MSP2?ZPC^\X_ASQA>OKCH #'L;2^\0RO%8,UM9(VV6_*YR1U6('[Q[;C\H_VB
M"!WEC90Z?916EN&\J)0H+L68^Y)Y)]S5@# P** "BBB@ HHHH **** "BBB@
M HHHH **** "N)5KY_'6L6\;ZL%DM 4D)<10<'!C!)B;)']W<#FNVHI-7 \]
MU6ZU:71-#MX9;W[5;P127T:PW+2O(4&Q6,3(PW,&RQ)4?Q"LZ1M0-PWVE?$Z
MV_GN=2$)O"0V9?+$!7DI]S/E?+C;GO7J=%4W=M]_Z_KY"6B7D8]M=ZE;Z/IW
MF:=<75RUNGG[9$4J^T9SN8<YS3?#DLDT%^\L#P.;V7,;LI(Z=P2*VJR]$_YB
M/_7]+_2AN[N"5E8U****0PHHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBLS7]=LO#>C3ZG?N1#$.%4
M9:1C]U%'=B> * ,[QCXJ3PSI\2P1"YU6\?R;&T!_UCXSD^B*.2?3W-<=H6CM
MID4\]U.;O5+V3SKV[;K+(>P]%'0#H *CTJUO[_4)O$>NJ!JMTNV. '*V4/41
M*?7NQ[FMJ@ HHHH *B:XC%Y;VB[GN;AL1Q(-S$=VP.BCN3P*MP:;>ZC%(+)H
MT8<"64$HI^@Z_3(_"NCT3P_::)&[1EIKN4#S[J7!DEQ_)1V4<"@"*S\,V4-W
M!>W*>?=P@^66)*QD]U7IN[;NN,],FMNBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHK%U+Q5I.C7ZVFJ3M9!\>7<7$;+ Y/828V@^Q(- &U12*RNH92&4
MC((.012T %%%% !67HG_ #$?^OZ7^E:E9>B?\Q'_ *_I?Z4 :E%%% !1110
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M=: -:LO1/^8C_P!?TO\ 2M2LO1/^8C_U_2_TH U**** "BBB@ HHHH ****
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ME($K&I1110 4444 %%%% !1110 4444 %%%% !1110 4C*&4JP!4C!![TM%
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M2G^"OA['H(&I:S.-1UR61IY9VY5)&'++GJV#C=Z< *"0>YH :B)%&L<:JB*
MJJHP !T %.HHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH *\K\0WEGJ7Q!B@B&);:ZMD?;I-T\Q8.#Q+N$07'4D=
M,XS7JE>1:GJ4&N?$B-+/5-2BN+:YBCDLY/-C4*KC+! X#@[3R5(PY]!1'XT#
M^%GKM8(\*P'6K[4I;Z\E-U T"Q.X*PJWWMIQGGC )(':MZBE8=['/7_A4:A
MD#ZK>PPQ)Y4?V=8U81% CH2RG(;&<C!'8BJQ\"VP<R1:QJD+HY:V9##_ **"
M7W*F8R"#O(^;<>F",5U5%,6Q4BTNSBLK:T-O')%;QB./S5#$  #O]!5/0(TB
M34$C1407LN%48 Z5KUEZ)_S$?^OZ7^E-N^K!*QJ4444@"BBB@ HHHH ****
M"BBB@ HHHH **** "H[B"*ZMI;>= \,J%'0]&4C!'Y5)10!YOX5^$W@[2-2U
MD_V1'>XN!%&-003JBF-'^4,@ Y<C(W<#[V<J.H_X03P?_P!"IH?_ (+H?_B:
MNZ7&J:CK3*N"]ZK,=H&3]GA'91G@#J6^N, := &/;>$_#EFK+:^']*@#')$5
MG&N?R%3_ /"/Z+_T"+#_ ,!D_P *T:* ,[_A']%_Z!%A_P" R?X4?\(_HO\
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MJT]=^ ;*Y.S?C.'@YV[AG&>NTXSU7.& -2BBB@ HHHH **** "BBB@ HHHH
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M0=  .*L444 %%%% !6;,#_PDMB?,P/L=QE-QY^>'G&[M_NGKU7.&TJSYL?\
M"0V?WMWV6?'7'WX?PS_]?WH T**** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ KR7Q9<C2_B?#<WZ+]EF6
M%HI([N=I!L^\#!#(#CODHPZY..*]:KSF]\1ZM<>/Y+'04T^XMHI(8KPQ6PDF
MP6 ;<^\8 &\=#@J!_$,"^-6!_"[GH4$\5S;QSP.)(I5#HZ]&4C((J2D5510J
M@*H&  , "EH8(**\HF\8:JHO(8=;63R[_;+=22101P)M8K$"T#;7) &UU)Y
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M* "BBB@ HHHH **** "BBB@ HHHH *R]$_YB/_7]+_2M2LO1/^8C_P!?TO\
M2@#4HHHH **** "BBLKQ!XCTSPQIIOM3G\M"P2*-1NDF<]$11RS'T% &C<7$
M-I;R7%Q*D4,:EGD=L*H'4DGI7!R7VL?$*8V^D23:7X7Z2ZD/EGOAW6 ?P)_M
MGD]J6V\/:KXWN8]1\7PFUTE&#VF@ALAL<A[D_P 3=]G0=^<UWRJJ*%4!5 P
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M ,))9<G=]DN,#<<$;X<\;L'MSM/U&2& -&BBB@ HHHH **** "BBB@ HHHH
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M_0J:'_X+H?\ XF@#1T\L;W5=RD 72[3@_,/)BYZ>N1QGI^%7ZY__ (03P?\
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M /$T =!17&0?#WPZOBB_N)/"^C'3WLK9(5-E$5$JO.9"%V\'#19/? ]*T_\
MA!/!_P#T*FA_^"Z'_P")H Z"BN?_ .$$\'_]"IH?_@NA_P#B:/\ A!/!_P#T
M*FA_^"Z'_P")H Z"BN?_ .$$\'_]"IH?_@NA_P#B:R]*^'WAZ+4M<>[\*Z,8
M);U7M-UE"P$7V>%3M&/E'F"3CCG)[Y(!VE%<_P#\()X/_P"A4T/_ ,%T/_Q-
M'_"">#_^A4T/_P %T/\ \30!T%%<_P#\()X/_P"A4T/_ ,%T/_Q-'_"">#_^
MA4T/_P %T/\ \30!T%%<CI?@#PS'!.+OPKHI<W,S)NL86^0N2O\ #TQCCM5[
M_A!/!_\ T*FA_P#@NA_^)H Z"BN?_P"$$\'_ /0J:'_X+H?_ (FC_A!/!_\
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MN"8]2 7;*C&=VT>@T44VQ)!1112&%%%% !1110 4444 %%%% !1110 4444
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=%% !1110 4444 %%%% !1110 4444 %%%% '_]D!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
