<SEC-DOCUMENT>0001839882-25-064036.txt : 20251105
<SEC-HEADER>0001839882-25-064036.hdr.sgml : 20251105
<ACCEPTANCE-DATETIME>20251105140231
ACCESSION NUMBER:		0001839882-25-064036
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20251105
DATE AS OF CHANGE:		20251105

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:		251453297

	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>ms11833_fwp-37042.htm
<DESCRIPTION>FREE WRITING PROSPECTUS TO PRELIMINARY PRICING SUPPLEMENT NO. 11,833
<TEXT>
<HTML>
    <HEAD>
        <TITLE></TITLE>
<!-- QES 7h3d0c70r 1762367827.8661482 -->
    </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: 16.17pt; ">
                    <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. 11,833</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 5, 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 and INDU Buffered PLUS due November 8, 2030</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) and Dow Jones Industrial Average</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;'>(INDU)</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;'>119%</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;'>Buffer amount:</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;'>20% (80% maximum loss)</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 11pt; vertical-align: super; "><font style='white-space: pre-wrap;'>1</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 5, 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; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>November 5, 2030</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; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>November 8, 2030</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;'>61779TEU7</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;'>$968.50 per security, or within $40.00 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; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000183988225062411/ms11833_424b2-36221.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; font-size: 12.0pt; "><U><font style='white-space: pre-wrap;'>sec.gov/Archives/edgar/data/895421/000183988225062411/ms11833_424b2-36221.ht</font></U><U><font style='white-space: pre-wrap;'>m</font></U></FONT></A></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>
                    <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 15.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    <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;'>&nbsp;</font></FONT></P>
                    <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;'>&nbsp;</font></FONT></P>
</div><div style="width: 48%; float:  right">
                    <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;'>&nbsp;</font></FONT></P>
                    <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 either 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: Arial, sans-serif; font-weight: bold; font-size: 15.0pt; "><font style='white-space: pre-wrap;'><IMG SRC="image_001.jpg" ALT="">&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;'>$1,714.00*</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;'>$1,476.00*</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;'>$1,238.00*</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;'>+10.00%</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;'>$1,119.00*</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;'>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; ">
                                    <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;'>-10.00%</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;'>-21.00%</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;'>$990.00</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;'>-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; 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;'>$800.00</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;'>-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; 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;'>-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; 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;'>-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; 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 colspan="2" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                    <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-style: italic; font-family: Times New Roman, Times, serif; "><font style='white-space: pre-wrap;'>*</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Assumes a leverage factor of 119%</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 provide for only the minimum payment at maturity 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 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: 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" $C 7D# 2(  A$! Q$!_\0
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M6SGTYK9I=Q\UB>B],J ><JP!!(*D\UG>(?!NM:U]A,2V ^R6_P!F,=T5='4
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MC^[ZT'6K,*&(NL$9'^AR^F?[OH*T** *!UBT!(Q=<?\ 3I+[?[/N*0:S9EB
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M9CG@=.#DC@'0U#PQI\&GZ=I'G2?Z7=2K)-+(#+,[6LP+;NH..1LVXV\8 (H
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MY!YG;5EW_P#R'M)_[;?^@BJ&E>,+?5=0%FNFW]NV]XGDF\K:DR EHCMD)W
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M;(U((5R,*0.G&>:D?2K*P\1:5);0[&83 G<3QM'J:8'0T444@"BBB@ HHHH
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MG69JA']H:+E0Q^VM@D#Y?]'FYY(/MQD\],9( -.BBB@ HHHH **** "BBB@
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MJF?[0T7! _TQL@D#/[B;VY_3^ATZS=3&=0T;EN+QNF['^HEZX.,?[V1T[XH
MTJ*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **0YVG'7%>4KIWBYM$DMAI_B#[9]JG,-VFK#<BYP ZO,%93C (7 '(4
M'DG6P'J]95__ ,A[2?\ MM_Z"*Y30M+\00Z]!+-;ZU!:AW*&[U(3I%"5D^21
M?.;>^XH0V&P,#<,8J[KWAZYU?5=)L]1UBX>S=I3-% @A,JA0=I9>0I[@8R.*
M=@)+O7[_ ,1W$VF>%)%2*-C'=:RZ[HH3W6$'B60?]\J>N3Q6UH7AZP\/6CPV
M2.TDK>9/<S-OFN'/5G<\L?T'08%<+XUTSXE6MD+7P4^DV^F0H$BM[6,13JH[
M#?E/RQ79VD7B3['!YEWIWF>6N[=;2$YQSG]YUI ;E%8L[ZW:P23W&H:1%#&I
M9Y)+=U50.I),G JE<6NNZYID7E:M:0VTP#,8K66-Y$(Z9+[E!]1@^A% &W;Z
MC;7\UU;VLQ9H/D>1%RJL<\!NA8=QVR,TW3-)M]+B<1%Y9Y3NGN93NDF;U8_R
M P .  *P;X:YH=AIZ645NUO#<J)(+"S;_4*CEEQEN20N,8YP.<U@V>L^/5-Y
MY]N'1)G(#Z>V_:SJ%6,J0,*&)R0V=M"'8]*HKA+[Q!XOL0EQ_9\4UJ+N-)(X
MM/GDE$!E9&8;6Y8*N_A?XAQZR^']<\7:B+>YO]/@MK>2X96@:QF258Q(R DL
M_!QM?.,8SQSD-(3T5SMJ*\VOM2\>Z197NI(!=J\\B6UM);/<$ .VWY(8D= 5
M4#):7EE)(&<Z-EXB\2ZK:V\]E;V/EEVCDE\B256*M&A9=KC W,YY)XC/N0EJ
M!W%%>9:+XG^(=_ 6O=+T^V=&=G4:;=AL*0-F'*KDY)#*SC Z5:U/Q%XOLM"T
M(6EFUS?W46V\9M+G)5^%) 4X0J3G#_*P!P1THZ7';6QZ'17!:CJOBR.*3[&D
M\AFTZ%H76P*^7/AFD.T@D948VMG!"CJ:S;#QCXS?Q-=K?Z5(ND0A?+\K1KD.
M^9%# DYRRKGE<JW49QP[:V)OI<]/K,U1E74=$#*"6O6"GY?E/V>8YY.>@(XR
M>?3)'#P>)O&2Q1:GJ:V^GVF \D,NG2(L:A)B1([/\N2J?,< 97@YYZZ.YN;V
M'P_=7""&2:Y:0QXP54P2E5(.>0,9Y'(/T)8;T=C=HHHI %9FJ$#4=$^4'-ZW
M)"\?Z/-SR0?;C)YZ8R1IUFZF7&H:-M(P;QMWS8X\B7V.><>GU[$ TJ*** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "LN_\ ^0]I/_;;_P!!%:E9=_\ \A[2?^VW_H(H U*AGN[>VDACFF1'G?RX
ME8\NV,X [\ GZ"DDGW">*VDA>ZC3/EL_W20=N['(!Q5'3=&%I.U]>3&\U.1=
MKW++@(O]R-?X$]NIQDDGF@!+C11J&H^?J4HN;6)U>VM-F(T88.]_[[!N1G@<
M8&1FM:BB@ HHHH **** "BBB@ HHHH **** "L[4L_;]'P6_X_&S@,?^6$O7
M!P/QR/QP:T:S-4$9U#1=ZJ6%ZVPL%R#]GFY&><XSTYP3VS0!IT444 %9NIIN
MU#1CEAMO&/&[G]Q*.<''?OD?C@C2K+U41G4=#WA2PO6V9"G!^SS=,\CC/3G\
M,T :E%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %<MXYU#5=-TZQFTIKH2->1I(MM"KF12<;265MF<]=O7 R,YKJ:*
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MT34M-A&CC49LF:/$@5XV)$(V @Y8F;'48!//:EY#-;[7KO\ T"+3_P #C_\
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M$K3. D+!H%8@S >9DJ"O3&__ &: .SHK)T7Q%9:Z'^RB1610SK(5R,YXX)]
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M(6RRYZ !>, DX%"Z7'IJ=#!H.C6]FMI;Z58Q6J@A88[=%0 D$X4#') /X"M
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3 **** "BBB@ HHHH **** /_V0$!

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