<SEC-DOCUMENT>0001839882-25-064751.txt : 20251110
<SEC-HEADER>0001839882-25-064751.hdr.sgml : 20251110
<ACCEPTANCE-DATETIME>20251110164144
ACCESSION NUMBER:		0001839882-25-064751
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20251110
DATE AS OF CHANGE:		20251110

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:		251466969

	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>ms12039_fwp-37439.htm
<DESCRIPTION>FREE WRITING PROSPECTUS TO PRELIMINARY PRICING SUPPLEMENT NO. 12,039
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">Free Writing Prospectus to Preliminary Pricing Supplement
No. 12,039</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">Registration Statement Nos. 333-275587; 333-275587-01</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt -20pt; text-align: right">Dated November 10, 2025; Filed pursuant to Rule 433</P>


<P STYLE="border-bottom: black 0.5pt solid; margin-top: 0pt; margin-bottom: 0"><FONT STYLE="color: black; font-size: 18pt; 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: 2pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <DIV>
                    <P style="margin-top: 6.6pt; line-height: 18.0pt; 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;'>Basket</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;'> Dual Directional Buffered PLUS due November 26, 2027</font></FONT></P>
                    <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; "><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>
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                    <TABLE width="388.08pt" style="margin-left: 0pt; width: 388.08pt; table-layout: fixed; border-collapse: collapse; ">
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                            <TD colspan="3" style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; border-right:  0.50pt solid black; border-left:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #296DC1; vertical-align: middle; ">
                                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 15.0pt; "><font style='white-space: pre-wrap;'>Terms</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 4.07pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Issuer:</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><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-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Guarantor:</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD rowspan="6" style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Underlier:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: bottom; ">
                                <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Basket component</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; vertical-align: bottom;  border-right:  0.50pt solid black;">
                                <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Weighting</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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-top: 4.4pt; margin-bottom: 4.4pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>iShares</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'> MSCI EAFE ETF (the &#8220;EFA Fund&#8221;)</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 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; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 8.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>23%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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-top: 4.4pt; margin-bottom: 4.4pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>MSCI Emerging Markets Index (the &#8220;MXEF Index&#8221;)</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 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; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 8.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>9%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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-top: 4.4pt; margin-bottom: 4.4pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Russell 2000</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'> Index (the &#8220;RTY Index&#8221;)</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 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; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 8.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>12%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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-top: 4.4pt; margin-bottom: 4.4pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'> Index (the &#8220;SPX Index&#8221;)</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 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; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 8.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>41%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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-top: 4.4pt; margin-bottom: 4.4pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>S&amp;P MidCap 400</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'> Index (the &#8220;MID Index&#8221;)</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 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; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 8.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>15%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 7.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Maximum upside payment at maturity:</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 7.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>$1,230 (123% of the stated principal amount)</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 7.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Leverage factor:</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 7.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>150%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 7.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Absolute return participation rate:</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 7.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>100%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Buffer amount:</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>10% (90% maximum loss)</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 6pt; 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-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Pricing date:</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>November 21, 2025</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Observation date:</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>November 22, 2027</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Maturity date:</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>November 26, 2027</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>CUSIP:</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>61779TPC5</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Estimated value:</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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: 4.4pt; margin-bottom: 4.4pt; line-height: 5.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>$991.10 per security, or within $35.00 of that estimate</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 7.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Preliminary pricing supplement:</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-bottom: 0.0pt; padding-right: 5.4pt; padding-left: 5.4pt; 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-top: 4.4pt; margin-bottom: 4.4pt; word-break: break-all; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000183988225064692/ms12039_424b2-37438.htm">https://www.sec.gov/Archives/edgar/data/895421/000183988225064692/ms12039_424b2-37438.htm</A></font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                    <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>1</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>All payments are subject to our credit risk </font></FONT></P>
                </DIV>
                <DIV style="width: 39.60pt; float: left; ">
                    <P>&nbsp;</P>
                </DIV>
                <DIV style="width: 375.20pt; float: left; ">
                    <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Payment at Maturity</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9pt; vertical-align: super; "><font style='white-space: pre-wrap;'>1</font></FONT></P>
                    <P style="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 payoff diagram and table below illustrate the payment at maturity for a range of hypothetical performances of the underlier over the term of the securities.</font></FONT></P>
                    <P style="margin-bottom: 6.6pt; text-align: center; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; ">                            <IMG width="270.60pt" height="203.78pt" src="image1.gif" style="width: 270.60pt; height: 203.78pt; ">
                            </FONT></P>
                    <DIV style="float: left; padding-top: 0.65pt; ">
                        <TABLE width="363.88pt" style="margin-left: 0.0pt; width: 363.88pt; table-layout: fixed; border-collapse: collapse; ">
                            <TR>
                                <TD width="184.91pt" style="width: 184.91pt; border: 0; margin: 0; padding: 0; height: 0; ">
                                </TD>
                                <TD width="178.97pt" style="width: 178.97pt; border: 0; margin: 0; padding: 0; height: 0; ">
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>% Change in Closing Level of the Underlier</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Payment at Maturity per Security</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; 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-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; border-right:  0.50pt solid black; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,230.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; 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-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: 1.1pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,230.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; 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-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; border-right:  0.50pt solid black; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,230.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>+15.333%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 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; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,230.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; 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-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; border-right:  0.50pt solid black; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,150.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>+5.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 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; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,075.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; 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-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; border-right:  0.50pt solid black; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 2.2pt; line-height: 11.0pt; 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: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>-5.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 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; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,050.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; 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-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; border-right:  0.50pt solid black; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,100.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>-11.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 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; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 2.2pt; line-height: 11.0pt; 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: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; 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-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: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$900.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; 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-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: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$700.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; 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-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: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$500.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 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: 2.2pt; line-height: 11.0pt; 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-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: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$300.00</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.05pt; ">
                                <TD style="padding-top: 0.0pt; 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; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 2.2pt; line-height: 11.0pt; 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-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; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 2.2pt; line-height: 11.0pt; 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>
                            </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: 8.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><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-</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>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: 11.0pt; "><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-size: 9.0pt; "><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: 11.0pt; "><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-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.  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; 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: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><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: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The appreciation potential of the securities is limited by the maximum upside payment at maturity.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Any positive return on the securities that is based on the depreciation of the underlier is effectively capped.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The amount payable on the securities is not linked to the value of the underlier at any time other than the observation date.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><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: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><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: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><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: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><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: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><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: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><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: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><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: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><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; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; "><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: 0.0pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 39.80pt; 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: start; font-family: Times New Roman, Times, serif; font-size: 8.5pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Changes in the value of one or more of the basket components may offset each other.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 39.80pt; 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: start; font-family: Times New Roman, Times, serif; font-size: 8.5pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The anti-dilution adjustments the calculation agent is required to make do not cover every event that could affect a basket fund.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 39.80pt; 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: start; font-family: Times New Roman, Times, serif; font-size: 8.5pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Adjustments to a basket fund or the index tracked by such basket fund could adversely affect the value of the securities.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 39.80pt; 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: start; font-family: Times New Roman, Times, serif; font-size: 8.5pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The performance and market price of a basket fund, particularly during periods of market volatility, may not correlate with the performance of its share underlying index, the performance of the component securities of its share underlying index or the net asset value per share of such basket fund.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 39.80pt; 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: start; font-family: Times New Roman, Times, serif; font-size: 8.5pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Adjustments to a basket index could adversely affect the value of the securities.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 39.80pt; 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: start; font-family: Times New Roman, Times, serif; font-size: 8.5pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>There are risks associated with investments in securities linked to the value of foreign equity securities.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 39.80pt; 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: start; font-family: Times New Roman, Times, serif; font-size: 8.5pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>There are risks associated with investments in securities linked to the value of emerging markets securities.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 39.80pt; 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: start; font-family: Times New Roman, Times, serif; font-size: 8.5pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Securities linked to certain underliers are subject to currency exchange risk.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The securities are subject to risks associated with small-capitalization companies.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; 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: start; color: #296DC1; font-size: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The securities are subject to risks associated with mid-capitalization companies.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; 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: 0.0pt; 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: start; 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: 0.0pt; 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: start; 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: 11.0pt; "><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-size: 9.0pt; "><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>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
