<SEC-DOCUMENT>0001839882-25-064489.txt : 20251107
<SEC-HEADER>0001839882-25-064489.hdr.sgml : 20251107
<ACCEPTANCE-DATETIME>20251107134430
ACCESSION NUMBER:		0001839882-25-064489
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20251107
DATE AS OF CHANGE:		20251107

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:		251461821

	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>ms12020_fwp-37319.htm
<DESCRIPTION>FREE WRITING PROSPECTUS TO PRELIMINARY PRICING SUPPLEMENT NO. 12,020
<TEXT>
<HTML>
    <HEAD>
        <TITLE></TITLE>
<!-- QES 7h3d0c70r 1762534489.7916436 -->
    </HEAD>
    <BODY style="text-decoration-skip-ink: none; ">
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 625.68pt; padding: 15.84pt 23.76pt 0 23.76pt; min-height: 10.00pt; position: relative; ">
            </DIV>
            <DIV style="width: 625.68pt; padding: 10pt 23.76pt 10pt 23.76pt; position: relative; margin-bottom: 20pt; ">
                <DIV>
                    <TABLE width="624.00pt" style="margin-left: 0pt; width: 624.00pt; table-layout: fixed; border-collapse: collapse; ">
                        <TR>
                            <TD width="50%" style="width: 50%; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="50%" style="width: 50%; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0pt; padding-right: 0pt; padding-bottom: 0.0pt; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.35; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "></FONT><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 20.0pt; "><font style='white-space: pre-wrap;'> Stanley Finance LLC</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><font style='white-space: pre-wrap;'> </font></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 1.35; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Structured Investments</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0pt; padding-right: 0pt; padding-bottom: 0.0pt; ">
                                <P style="margin-top: 10.0pt; margin-bottom: 0.0pt; line-height: 1.1; text-align: right; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #A6A6A6; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Free Writing Prospectus to Preliminary Pricing Supplement No. 12,020</font></FONT></P>
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.1; text-align: right; "><FONT style="font-family: Arial, sans-serif; color: #A6A6A6; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Filed pursuant to Rule 433</font></FONT></P>
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.1; text-align: right; "><FONT style="font-family: Arial, sans-serif; color: #A6A6A6; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Registration Statement Nos. 333-275587; 333-275587-01</font></FONT></P>
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.1; text-align: right; "><FONT style="font-family: Arial, sans-serif; color: #A6A6A6; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 7, 2025</font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                    <DIV STYLE="background-color: #979797; padding: 3pt 12pt 3pt 6pt; width: 97%">
                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 12.0pt; padding-left: 7.92pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon and Contingent Downside</font></FONT></P>
                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 12.0pt; padding-left: 7.92pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of Apple Inc. due November 17, 2028</font></FONT></P>
                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 12.0pt; padding-left: 7.92pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fully and Unconditionally Guaranteed by Morgan Stanley</font></FONT></P>
                </DIV></DIV>
<BR clear="all" style="font-size: 1px; ">
                <DIV style="width: 314.81pt; float: left; ">
                    <P style="margin-top: -12pt; margin-bottom: 0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Summary of terms</font></FONT></P>
                    <TABLE width="306.90pt" style="margin-left: 0pt; width: 306.90pt; table-layout: fixed; border-collapse: collapse; ">
                        <TR>
                            <TD width="93.01pt" style="width: 93.01pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="213.90pt" style="width: 213.90pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Issuer and guarantor</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC (issuer) and Morgan Stanley (guarantor)</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Underlying stock</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Apple Inc. common stock </font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Pricing date*</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>November 14, 2025</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Original issue date*</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>November 19, 2025</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Face amount</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$1,000 per security</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Contingent coupon payments</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>On each contingent coupon payment date, you will receive a contingent coupon payment at a per annum rate equal to the contingent coupon rate </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>if, and only if,</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> the stock closing price on the related calculation day is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price. Each &#8220;contingent coupon payment&#8221;, if any, will be calculated per security as follows:</font></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>($1,000 &#215; contingent coupon rate) / 12.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Contingent coupon rate</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>At least 7.25% </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>per annum</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>, to be determined on the pricing date</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Automatic call </font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>If, on any calculation day (other than the final calculation day), beginning in February 2026, the stock closing price is greater than or equal to the starting price, the securities will be automatically called for a cash payment per security equal to the face amount </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> a final contingent coupon payment on the related call settlement date.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Calculation days</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Monthly, on the 14</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>th</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> of each month, commencing in December 2025 and ending on the final calculation day. We also refer to the November 2028 calculation day as the final calculation day.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Contingent coupon payment dates</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Three business days after the applicable calculation day; </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>provided</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> that the coupon payment date for the final calculation day is the maturity date.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Call settlement date</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Three business days after the applicable calculation day.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Maturity payment amount (per security)</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; margin-top: 0; margin-left: 15.84pt; text-indent: -9.90pt; "><!--[if IE]<FONT style="display: inline-block; width: 9.90pt; text-indent: -9.90pt; "><![endif]--><FONT style="display: inline-block; width: 9.90pt; text-indent: 0; text-align: left; font-size: 7.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>if the ending price is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>the downside threshold price: </font></FONT></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$1,000; or</font></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; margin-top: 0; margin-left: 15.84pt; text-indent: -9.90pt; "><!--[if IE]<FONT style="display: inline-block; width: 9.90pt; text-indent: -9.90pt; "><![endif]--><FONT style="display: inline-block; width: 9.90pt; text-indent: 0; text-align: left; font-size: 7.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>if the ending price is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>less than </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>the downside threshold price: </font></FONT></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; performance factor</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Maturity date*</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>November 17, 2028</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Starting price</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The stock closing price on the pricing date</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Ending price</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The stock closing price on the final calculation day</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Performance factor</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The ending price </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>divided by</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> the starting price.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Coupon threshold price</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>75% of the starting price</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Downside threshold price</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>75% of the starting price</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Calculation agent</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC, an affiliate of the issuer</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Denominations</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$1,000 and any integral multiple of $1,000</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Agent discount**</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC and Wells Fargo Securities, LLC will act as the agents for this offering.  Wells Fargo Securities, LLC will receive a commission of up to $23.25 for each security it sells.  Dealers, including Wells Fargo Advisors (&#8220;WFA&#8221;), may receive a selling concession of up to $17.50 per security, and WFA may receive a distribution expense fee of $0.75 for each security sold by WFA.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>CUSIP</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>61779TNH6</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Tax considerations</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 1.5pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 1.5pt; 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-bottom: 0.0pt; line-height: 1.2; padding-left: 7.92pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>See preliminary pricing supplement</font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                    <P style="margin-bottom: 1.5pt; line-height: 1.2; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    <P style="margin-bottom: 1.5pt; line-height: 1.2; margin-top: 1.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>*Subject to change</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 1.2; margin-top: 1.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>** In addition, selected dealers may receive a fee of up to 0.30% for marketing and other services</font></FONT></P>
                </DIV>
                <DIV style="width: 9.90pt; float: left; ">
                    <P></P>
                </DIV>
                <DIV style="width: 304.81pt; float: right; ">

                    <P style="margin-top: -20pt; margin-bottom: 6.6pt; line-height: 1.2; padding-left: 7.92pt; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Hypothetical payout profile (excluding contingent coupon payments)</font></FONT></P>
                    <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; padding-left: 7.92pt; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">                            <IMG width="294.03pt" height="234.25pt" src="image1.gif" style="width: 294.03pt; height: 234.25pt; ">
                            </FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; padding-left: 7.92pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the securities are not automatically called prior to the maturity date and the ending price is less than the downside threshold price, you will lose more than 25%, and possibly all, of the face amount of your securities at the maturity date.</font></FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; padding-left: 7.92pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Any return on the securities will be limited to the sum of your contingent coupon payments, if any. You will not participate in any appreciation of the underlying stock, but you will have full downside exposure to the underlying stock on the final calculation day if the ending price is less than the downside threshold price.</font></FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; padding-left: 7.92pt; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The face amount of each security is $1,000.  This price includes costs associated with issuing, selling, structuring and hedging the securities, which are borne by you, and, consequently, the estimated value of the securities on the pricing date will be less than $1,000 per security.  We estimate that the value of each security on the pricing date will be approximately $963.50, or within $45.00 of that estimate.  Our estimate of the value of the securities as determined on the pricing date will be set forth in the final pricing supplement.  See &#8220;Investment Summary&#8221; and &#8220;Risk Factors&#8221; in the accompanying preliminary pricing supplement for further information.</font></FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; padding-left: 7.92pt; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>This document provides a summary of the terms of the securities. Investors should carefully review the accompanying preliminary pricing supplement, product supplement for principal at risk securities and prospectus before making a decision to invest in the securities.</font></FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; padding-left: 7.92pt; word-break: break-all; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Preliminary Pricing Supplement: </font></FONT><br><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000183988225064488/ms12020_424b2-37318.htm">https://www.sec.gov/Archives/edgar/data/895421/000183988225064488/ms12020_424b2-37318.htm</A></font></FONT></P>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
                <DIV>
                    <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2;  "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The securities have complex features and investing in the securities involves risks not associated with an investment in ordinary debt securities.  See &#8220;Risk Factors&#8221; in the accompanying preliminary pricing supplement. All payments on the securities are subject to our credit risk.</font></FONT></P>
                    <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2;  "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>This introductory term sheet does not provide all of the information that an investor should consider prior to making an investment decision. </font></FONT></P>
                    <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2;  "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The securities are not deposits or savings accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency or instrumentality, nor are they obligations of, or guaranteed by, a bank.</font></FONT></P>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
            </DIV>
            <DIV style="width: 641.52pt; padding: 0 15.84pt 10.00pt 15.84pt; min-height: 39.60pt; position: relative; ">

            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 587.40pt; padding: 10.00pt 52.80pt 0 33.00pt; min-height: 22.00pt; position: relative; ">
            </DIV>
            <DIV style="width: 587.40pt; padding: 10pt 52.80pt 10pt 33.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: -24.75pt; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Selected risk considerations</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: -24.53pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><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, product supplement for principal at risk securities and prospectus.  Please review those risk factors carefully.</font></FONT></P>
                <TABLE width="618.75pt" style="margin-left: -24.75pt; width: 618.75pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="306.90pt" style="width: 306.90pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="311.85pt" style="width: 311.85pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 622.99pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 8.8pt; margin-bottom: 3.3pt; line-height: 1.35; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to an Investment in the Securities</font></U></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The securities do not guarantee the return of the face amount of your securities at maturity. </font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The securities do not provide for the regular payment of interest.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The contingent coupon payment, if any, is based on the stock closing price of the underlying stock on only the related monthly calculation day at the end of the related interest period.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Investors will not participate in any appreciation in the price of the underlying stock. </font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The market price will be influenced by many unpredictable factors.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><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: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><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: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Investing in the securities is not equivalent to investing in the underlying stock.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Reinvestment risk. </font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The rate we are willing to pay for securities of this type, maturity and issuance size is likely to be lower than the rate implied by our secondary market credit spreads and advantageous to us.  Both the lower rate and the inclusion of costs associated with issuing, selling, structuring and hedging the securities in the face amount reduce the economic terms of the securities, cause the estimated value of the securities to be less than the face amount and will adversely affect secondary market prices.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><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: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><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: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><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: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><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: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The maturity date may be postponed if the final calculation day is postponed.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Potentially inconsistent research, opinions or recommendations by Morgan Stanley, MSFL, WFS or our or their respective affiliates.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><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>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 8.8pt; margin-bottom: 3.3pt; line-height: 1.35; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>R</font></U><U><font style='white-space: pre-wrap;'>isks Relating to the Underlying Stock</font></U></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>No affiliation with Apple Inc.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>We may engage in business with or involving Apple Inc. without regard to your interests.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The antidilution adjustments the calculation agent is required to make do not cover every corporate event that could affect the underlying stock.  </font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 10.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Historical closing prices of the underlying stock should not be taken as an indication of the future performance of the underlying stock during the term of the securities.</font></FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 10pt; margin-bottom: 10pt; line-height: 1.2; margin-left: -24.75pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>For more information about the underlying stock, including historical performance information, see the accompanying preliminary pricing supplement.</font></FONT></P>
                <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 9.0pt; margin-left: -24.75pt; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley and MSFL have filed a registration statement (including a prospectus, as supplemented by the applicable product supplement) with the Securities and Exchange Commission, or SEC, for the offering to which this communication relates.  You should read the prospectus in that registration statement, the applicable product supplement and any other documents relating to this offering that Morgan Stanley and MSFL have filed with the SEC for more complete information about Morgan Stanley, MSFL and this offering.  You may get these documents without cost by visiting EDGAR on the SEC web site at</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>www.sec.gov.  Alternatively, Morgan Stanley, MSFL, any underwriter or any dealer participating in the offering will arrange to send you the applicable product supplement and prospectus if you so request by calling toll-free 1-(800)-584-6837.</font></FONT></P>
                <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 9.0pt; margin-left: -24.75pt; "><FONT style="font-family: Arial, sans-serif; color: #919191; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo Finance LLC and Wells Fargo &amp; Company.</font></FONT></P>
            </DIV>
            <DIV style="width: 587.40pt; padding: 0 52.80pt 15.40pt 33.00pt; min-height: 0.00pt; position: relative; ">
                <P style="margin-bottom: 19.8pt; line-height: 1.2; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><FONT>2</FONT></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">&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>image1.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image1.gif
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MJJRV*NJE?-8VFP--("F0 2H:1$&.)K(AP@(?1!>CC;S&*"=!""2K;+):!#"
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MD.OUV4LO77/=PXZ+<;W5T !O3N("QQ':NY40RN0;16FL V!["N*F-@ 0!$
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M4?T!=O0! ^'@('<& Q  -T$H5R%U@JVW&M\6 +6T,!N ?X<S<ZDS7;>2@>$
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MD)HID"HX,P9P'NLU5A!@8\,%0%X 9E^V'&%6'6Q7CJ6)CU@# NZW)[IA ]M
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MM#C";.>(LTJK%[^6#\;Y4@JR GG0/$9C; BG<,H&*0_1K4O;M6\Q;LEH;D_
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M (4C- Y.4&<. (L*0  88&).!?G-#ORH9U_QKN?F]>W?QY_?J8$LL'2/ "%
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M48G*^C;@Y$+()P I!$;X)7IUNV&"-?)MR($(WHCA'@RG]='=@F)8P0)SSXL
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M1Y$0FHM#?/CG!/V6UQ,.F4AXEZ"1*;PD)2TY2?)L'9..5-_12Y,_<T#"!1$
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MIAE"LIBYN2"O&$&-M& !"=N)-F1(:E0(B,R5?D#)LT3+M%3_R[5D2Y34@EE
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MX _]08<@JRPB/M8N-4Z38$P">!4C=N!F35J,:-@T7@XV_R7@@KL(&R$!*:N
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M QO8/!"B8."$2!H$-K!08,,'/@*Q,G@"1 4  U[!.NP78 #1M&K7LFW;,&.
MD!P]SOV(@$!)MP,SX,V#EJ(!(2L"O-$Z04D "3A"&&A@(]<1">8,+#@2X(0"
M"@D8.$#2!G$?#08F5 A@0\EF "R8),;!1^SCQ.:N6L:L]S;NW+IWJUT6YP99
MGPXJV,#W5* !#"0 .&!R X!FI  6+*D1(1SR$E8?#@@ DS?X\.+9P@W_21=D
M2! !I.SN-R( @98%M[5;2(&-@N$=]JP@H6)9!58UH)@*"Z3P'$X>*#5/ 9WU
MH4!@?=30! E7K9  'P#Z9T $7PV(@PH3O#/53#6-=R***:HHE $4P!( %S*
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MXCCH6MH'4Z@6N$1M(Q:LU#:TT!=)W&8I3YE %QJGPAWR\"$3: )&X+>!(]B
M2>:B7 ^3R!,6RB4#"KP5FP @@(CIA7R#.8$3JJ?$+?*P!!(PP1ZP<8-E8$!3
MYWH@%],X$;AHP2/HZ@ARM !!-=*QCC_AT&8Z\YP%O.,YZ.+'E>PH2(2PD!X(
MD)D6!ZG(14*$0W=R@*BXU<=TH9"1BX3++=Z3+BV0R9*>_*1##.!%<RP#"3<@
M#3H:F"M SA&42A031D9 -73E W2NO"4N!<("(&+*_P)/-%=WL)=++N(EEA=(
M6#\.Z9! F? G'(/<0# VS&EJ*81!-!XR TG-'DXQ(TRS'#/;(LUMDA-%!D0
M C68L$J6\X,AL%)&\+$P3CXDG&P99SOSF1L#<$ >^< '"$  4%7B"HWZ[."9
M,M()&BJLE@LAXV7R@1\ [$%]B^E,XSC4K FLP0..@8QD@A0#XN&@ #^#4/DD
M((,NN$\(_(/906,:E WXZ%O-S)5!92K A+)P8?WH)$+$\JG%G<!GLP.0ZIX
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M&I'/)YJ&)B2*#W1!TU$*Q2$C0A"8W%U=!/DALOS)B(W01(F=7ST "H(=05!
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M^J!QHDFQ",5EFHLV-J>_D8\M% " ) :]G4M6HF(W"211I.;"_*5W_Q(; PK
M50*&$,RF6DRC#SZ?2O;0UKVGOW$B NR#)+AG*(G9; A$R35:6(B9:T3/8/2!
M$;Y<=6K?6_8:@:($".SG0>:#?]Z;,F:$6F5B1"Q#$WA!JF54M2W.<G@-K,G:
MQBS!4\3 K66;<E8@Q<!%/EPH2FPGKJA =W;HMO4(K73 5$Y$LGF 4PQ-+#Y8
M/#( 1ZG6T&@'6#0'X2T$<29@OLTE4+ GD'9I123F[^U!!7R@392>"*S;5D@8
M0>#+5L0;D8G%/F9;;=Z= =RFQ@F2"O2GEVY:I]W)FDY23"S.:9B0<VW#"A0/
MF0W)RD4 #2A)-"H$2Z9>:9*67N1#!N@HEO\PYY[RJ5&(H7VAQ#(XY8YLP/.L
M8 .82N6EHV.QS*,*  $@)*R^*DGLF-T-P&UBHZYH::74Y*;JVN+ &H]40"FB
M1&!TRJ<\6[X82<,5"<LYJA$)A  @))M,ZZM.Z-M=Y]SI17Q@:J]V:1:\2(R(
MB03DP5E")M!ME0@\HG3@#)O"FT=QX[Q=*'[>G7O(G8;2D9YV:XHIXM-]U9?F
M76K]C&I1AY.N 91:!0==V_+1JM3IIV[@0W8F#&'JJX"M"[RX"\:RBWU"1(^8
M R2X0 3DCG)48E@P@1?\1P58U4;^'8TV7P:L7H9R:T_P**XT'L56H.\=SZ5]
MF@(-G_)T'O*1Z<(]-E^^H5]N<.G-)JU;H&E;S*O4Y=N=NE(R*2W5&D2DZEP>
M9H2NMD4^1&RZ:&K5ANW5?EP&R #-C0?-WDIFAO\MU8YMQ=DJILQI6Q +V];M
MPCAMQ>E#XCWA+<&1W2KME7Y<O:HGBF#-PDSLWW:K'7*=6<!%'MQK;NB;PMAL
MXNK4?]&,VY+;\V7J?%;N;C9&$.S>S. MN>6;#,@LR"D8KGIN/F7 $P11&^Q#
MYV*EM1);EGIEBM"MPH MZ\;4,C1@1G!!.Z#D$3+LIEU<QFU)VE8* FQ-[YH5
M U: ')I&+(BHE@3NMF4M1IQFIAKO\QXF/V$ 7%@9,+'E?]ZFW.+2L7QO3'$B
M)'QB]VU#%TC L*YD[=88MJ8O>$#LPO N^Y83!2QCZ#IC$SQJ'098OV$KY)[(
M\E**%KS _^93R-DC/M)497F:XOT*V.J-P *?B SH;P0C(RZ>@&KQ" @\!>[2
MY\82!>FFV.IQ:&:M;PAO$PR*(04 *K$:J+65649L!X.NF6#P7X0ZQ'D.6X66
MQ.RN"-)^;4+._[ KX>73!5!,D*B)_H&JZ6+?\2(3M&@%Q,.+QNB,GEX&,U>^
M-3'F<.^Y/+ 33Q.'].MS5<21)BF0< AV$,3/F(AVA("4,@<35*E"8*^ +2$;
MH8OX",\:3Q,+T .0#1S!R>Y.F"G3+D,?T\TCD@TZ=,6;/D&<BC$(QY7V!H!-
M,I<,'W(N;4 L)+&I$8<2F%"/Y$%D&-_(K!P\-"I5&#!"9"YH3>IQHLL+>*^6
M^"\I#UNHFAS\^=&2;$"J/MS2N5Q!)%--^B'!G4F-XM=UXF;"-/"D:$TP>VC0
M$:GPY<2R4D>SUO*S D#G/)TOEY4"+PS?FDL*;[,B(>4Z%$ 6!-19GOSE=$Z$
M4Y"C(^+' A *MQS%J0+,!5M/)\?4X,92.NO3*,/S(G7&9GB+B^5S* $L./=5
M.@ILV%&;T4QRMBWT03W?.Y_+*Z(+,#NT(!G )L1" <1 QL+++5BO0W3LQX9L
MK$528ZPH$X2>XY (RXHQ2.?3.6.$#- ,-G-.?:"TKN4LCZ@/L$X'\3W/\=7&
M"B<$+LM49=),.^?*2"NU(#T!%U3U3C"M YDO<U%F\LY90WOU("6F<"K,5;?N
M;6XM20=UBIPT6]L1#B%@S"PN<Z'OWASUEJAQ7B]2B[R(!,Q 0,D(NF&P7><2
M=<4MWVQU82>@1-O4!"Z7-1K88^O46E?_]@^N2[N\"[N$9D&-,34E-.M93DDO
MIQF#MAO&]30]7TP&-AISYVO#M@\6L4P-=5[\3K:F2P?K=@J1CT"!0#X<MW%D
MMEGE6X[VVV<3MQ)=MG2^%6K?4I9F#P'4MFM+=QVY-%N] )"I&8!-,SF5;5H'
MCV!KB10DM7>W]:FB;K!<MR?I,D:LKN6,0 6G2U>_-Q=]*FW&U 7<:LSU W[[
M]Q8%!@Z;BR30]R)A:V>GBQ1PM[D@+H+O$ 7<,SZ\B%$"6(33$;92./"L=Y:P
MRX4K$;_"1;.5[X>GT>K-PG#KC7XO3 ;$^(EG#WC#M":4LT7$F/B9-35M;@?U
M]ZU(PH'?> 21<@]Y.^()SXL.TTT#5-X/AT7Y"#$J#P0@@U+1?I 6B#BN"!N2
M[U #J.E6+'A%4/&)HN.%( 6+0J07XP084S1 (C U9;4'D3B6F'B8>Y!2()>7
M23%*Q+$"<% *QL$(I,8=AQW"]AV5#NTT?3)= T]PH\OE[O_YD+>8E[TQ14!R
M,^5TRU1RFOI+)F_RQ &Y*Z&W'JH0D5.*/W" I7]0>RWRVNV#3#N$H*XR.MH"
M [1,.%='JSCK0V2Y(L$MI>X02QQN;K]Z\!A #)RR4 SS4RY#,T"(413 @JRK
MD:SJJT1C"&2 E$#)MU>)@RN1WEYC#VG$E6N)GBN[!'<S'S3 <NAB:O3Z.&-Q
M]?AVK>#2.O?0C"M,C;/[0>TS.OP $F *3?QSHG"%O'E%.0],P1B,J3/2!GOY
MD/?UD0-\!%DEC.5=/5 B&SK.P89 T5B;1]=;BW>0D"M1I$L*7F,\\##[/YUE
M6LIY0]#T']@T+[:,U_#TZ$W'3Y?8NGG;T1'#\!;A^8JTM\M'$$WE)<W7//'
M,D'LHI ^#_,$K5@?A&SW4);:N !1=J6L>M+SS1,H)F,ZIKF"7V,/10LK40:\
M *8X;P(.P,6'O=ZXII-ZYK/5>I8(.]O?YFTG$0)PO1(;+=U?#EKE$1+$9J"\
M]:UD_0?9MS73D='C&P07_K(_@6]& '":^6F??/!4\T%'D-=3BN!;?L)41A\P
M  ]_&7/;$;9ZK77.O>G33!:$I_T$0$'C"F_GYMZ6O@0%?O\F^^SO#0.Z0[KW
M(YVKD<,JTN2G"-(/_[_'\3V7<Z5\=]#H3PK80S^ZU%^_ZF7C1WP/W6A&W$+U
M<YT_A+[V2PKW/YWW5XKC9X^9,.$G ?_N"G_ZFTO]]4$[K-W:Z3U  ! XD&!!
M@P<1)E0X<$"  0LA1I0XD6)%B" "9,RHQ6)'CQ]!A@R (&1)DP-OW3JYDF5+
MER]AQI0YDZ9,!T@TVB"PCT]-GP+[.?PYM&4&C!H#]".ZE.@(I4Q?&@@!E6I5
MJU>Q9JUJ@ .D0D@#<&GWAX\*K1\;/CV[=L (L&K7QI5;<\##N7?QYM6[=R4N
M#KDJ(#VA@*]"?D(++VV+=(3=Q'H19'BLD "!R9<Q9];,- :LC(,W VC(+_]T
MS'YN-8Z07'KM2-8 4KZ6/9MVZ P<ML4Y(ICPYJ".:X,4 !;?ZN!5G;[.8/QX
M<^?/EQK(HF2W1@EMM+@S&SHM](H9AB,MOMW[4.;<@9=7OYY]Q64X YP@\$<2
M^:)"-"A&W#[A+;"6^?.)I-?P 3#  Q%L[Z:PDDA)BI1>2.F!DR8(3 (<I@*
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M:%**7-)>E;2E-<UQA5(H7\JJD:K)D:V9D2A<$6N2KS%@3]6RTP2"1)[!V<D
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MIA0K3#1*AQ1+,U%(:=1)'[1"#Y-+\S&(3%1))>+KY&(#ST)-Q[1-811"&ZE
M^:)&_]WTM/: 0TJ1I#)" O(C&U; !GIB CQA)6UC!)I*7>B4+@ZU3H4,&57@
MG)[F4?S@!IY ;L1K-C+ $$.%21EU3(7&#VY+\30 #DQ@ NYJN,RQ4]M42CY@
M&TZD7AS%M6S@ K1!>53U5O?+ 2+@!&Y@ M;  Y)%F0;"5*7$=G#U6!,+2 *@
M _8  R1 &E7%3_Y%&SR@!(!@ 3P&6;45L4I  HPD5LIF&2I 6/=%F:QU SH
M"K<5SA9@:00"%S"@IMSA7>,U -Y@7JND BZ$6ZQ572FBE0+ !O U.OL@%ARE
M0O8U40ZO)C8D/HC!5F@)1?[@8/5UE1367S_B)D8J8E.$8O\3%@#Z-2*4]3-$
M(+HD $JF=4+$]01"]5$VX41L!V)3<7;BU::JQ%U_PN,\Q"P:UJ9*I0,P$2H
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M53R@G=]96M>ECJ<%Z!YEGA.OH?L8 X!@ G)  TI ![)7(EA <O_W96E4Y>$
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M4YW(D ET 2%^&:ODVD@Y)1YN!2/.-)0%0L"]S7"N5W4)UD3HY:^6U 5;!D#
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
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
