<SEC-DOCUMENT>0001839882-25-064836.txt : 20251112
<SEC-HEADER>0001839882-25-064836.hdr.sgml : 20251112
<ACCEPTANCE-DATETIME>20251112080212
ACCESSION NUMBER:		0001839882-25-064836
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20251112
DATE AS OF CHANGE:		20251112

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:		251469076

	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>ms12043_fwp-37413.htm
<DESCRIPTION>FREE WRITING PROSPECTUS TO PRELIMINARY PRICING SUPPLEMENT NO. 12,043
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                                <P style="margin-bottom: 11.0pt; 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: 11.0pt; 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>
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                                <P style="margin-top: 0.0pt; 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. 12,043</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-bottom: 11.0pt; line-height: 6.1pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #A6A6A6; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 10, 2025</font></FONT></P>
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                    <P style="margin-bottom: 0.0pt; line-height: 7.0pt; margin-top: 0; "><FONT style="font-size: 10.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    <DIV STYLE="background-color: #979797; padding: 6pt 12pt 0pt 6pt; width: 97%">
		    <P style="margin-bottom: 3.3pt; line-height: 1.2; padding-left: 22.99pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                    <P style="margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 22.99pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the Health Care Select Sector SPDR</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 10pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 12.0pt; "><font style='white-space: pre-wrap;'> Fund, the Consumer Staples Select Sector SPDR</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 10pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 12.0pt; "><font style='white-space: pre-wrap;'> Fund, the Common Stock of PepsiCo, Inc. and the Common Stock of UnitedHealth Group Incorporated due November 29, 2028</font></FONT></P>
                    <P style="margin-bottom: 3.3pt; line-height: 1.2; padding-left: 22.99pt; margin-top: 0; "><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>
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                    <P style="margin-bottom: 0.0pt; line-height: 12.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 12.0pt; "><font style='white-space: pre-wrap;'> Summary of terms</font></FONT></P>
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                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Issuer and guarantor</font></FONT></P>
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                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC (issuer) and Morgan Stanley (guarantor)</font></FONT></P>
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                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Underlyings</font></FONT></P>
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                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Health Care Select Sector SPDR</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> Fund (the &#8220;XLV Shares&#8221;), the Consumer Staples Select Sector SPDR</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> Fund (the &#8220;XLP Shares&#8221;), the common stock of PepsiCo, Inc. (the &#8220;PEP Stock&#8221;) and the common stock of UnitedHealth Group Incorporated (the &#8220;UNH Stock&#8221;)</font></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>We refer to each of the XLV Shares and the XLP Shares as a &#8220;Fund&#8221; and the PEP Stock and the UNH Stock as an &#8220;Underlying Stock,&#8221; collectively, the &#8220;Underlyings.&#8221;</font></FONT></P>
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                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Pricing date*</font></FONT></P>
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                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>November 24, 2025</font></FONT></P>
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                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Original issue date*</font></FONT></P>
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                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>November 28, 2025</font></FONT></P>
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                        <TR style="vertical-align: top; min-height: 11.11pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Face amount</font></FONT></P>
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                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000 per security</font></FONT></P>
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                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Contingent coupon payments (with memory feature)</font></FONT></P>
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                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><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 if, and only if, the closing price of the lowest performing underlying on the related calculation day is greater than or equal to its coupon threshold price. Each &#8220;contingent coupon payment&#8221;, if any, will be calculated per security as follows: ($1,000 &#215; contingent coupon rate) / 4.</font></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>In addition, if the closing price of the lowest performing</font></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>underlying on one or more calculation days is less than</font></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>its coupon threshold price and, on a subsequent calculation</font></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>day, the closing price of the lowest performing underlying</font></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>is greater than or equal to its coupon threshold price, the</font></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>securities will pay the contingent coupon payment due for the</font></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>subsequent calculation day plus all previously unpaid</font></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>contingent coupon payments (without interest accruing on</font></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>amounts previously unpaid).</font></FONT></P>
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                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Contingent coupon rate</font></FONT></P>
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                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 15.55% per annum, to be determined on the pricing date</font></FONT></P>
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                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Automatic call </font></FONT></P>
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                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>If, on any calculation day (other than the final calculation day), beginning in May 2026, the closing price of each underlying is greater than or equal to its respective starting price, the securities will be automatically called for a cash payment per security equal to the face amount plus a final contingent coupon payment and any previously unpaid contingent coupon payments on the related call settlement date.</font></FONT></P>
                            </TD>
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                        <TR style="vertical-align: top; min-height: 29.76pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Calculation days</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Quarterly, on the 24</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: 6.0pt; "><font style='white-space: pre-wrap;'> of each February, May, August and November, commencing in February 2026 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: 24.80pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Contingent coupon payment dates</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Three business days after the applicable calculation day; provided 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: 11.94pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Call settlement date</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><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: 57.97pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Maturity payment amount (per security)</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 1.5pt; line-height: 6.5pt; margin-top: 0; margin-left: 11.44pt; 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: 6.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>if the closing price of </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>each underlying</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> on the final calculation day is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>its respective downside threshold price: </font></FONT></FONT></P>
                                <P style="margin-bottom: 1.5pt; line-height: 6.5pt; text-indent: 15.13pt; padding-left: 11.44pt; margin-top: 1.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000; or</font></FONT></P>
                                <P style="margin-bottom: 1.5pt; line-height: 6.5pt; margin-top: 1.5pt; margin-left: 11.44pt; 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: 6.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>if the closing price of </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>any underlying</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> on the final calculation day is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>less than </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>its respective downside threshold price: </font></FONT></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 26.57pt; margin-top: 1.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; performance factor of the lowest performing underlying on the final calculation day</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 9.46pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Maturity date*</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>November 29, 2028</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 59.29pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Closing price</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The &#8220;closing price&#8221; for each Underlying (or one unit of any other security for which a closing price must be determined) on any trading day means the product of (i) the official closing price on such day published by the principal United States securities exchange registered under the Securities Exchange Act of 1934, as amended, on which such Underlying (or any such other security) is listed or admitted to trading, and (ii) the adjustment factor applicable to such Underlying on such trading day. </font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 9.96pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Starting price</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>For each Underlying, its closing price on the pricing date</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 16.39pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Ending price</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; vertical-align: middle; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>With respect to each Underlying, the respective closing price on the final calculation day.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 15.07pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Adjustment factor</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>With respect to each Underlying, 1.0, subject to adjustment in the event of certain events affecting such Underlying.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 16.89pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Lowest performing underlying</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>On any calculation day, the underlying with the lowest performance factor on that calculation day </font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 16.39pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Performance factor</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>With respect to each underlying, on any calculation day, its closing price on such calculation day divided by its starting price</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.45pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Coupon threshold price</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>75% of the starting price for each underlying</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Downside threshold price</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>75% of the starting price for each underlying</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 9.46pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Calculation agent</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><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: 10.45pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Denominations</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><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: 10.45pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>CUSIP</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>61779TPJ0</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.45pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 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; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Tax considerations</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 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; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>See preliminary pricing supplement</font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                    <P style="margin-bottom: 11.0pt; line-height: 1.35; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    </div><div style="width: 48%; float:  right">
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                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Agent discount**</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 3.19pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><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>
                                <P style="margin-bottom: 0.0pt; line-height: 6.5pt; padding-left: 3.19pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">&nbsp;</FONT></P>
                            </TD>
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                    <P style="margin-bottom: 1.5pt; line-height: 1.2; text-indent: 4.95pt; padding-left: 4.95pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>*Subject to change</font></FONT></P>
                    <P style="margin-bottom: 1.5pt; line-height: 1.2; text-indent: 4.95pt; padding-left: 4.95pt; margin-top: 1.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><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>
                    <P style="margin-bottom: 0.0pt; line-height: 1.2; text-indent: 4.95pt; padding-left: 4.95pt; margin-top: 1.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 11.0pt; padding-left: 7.15pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Hypothetical payout profile (excluding contingent coupon payments)</font></FONT></P>
                    <P STYLE="text-align: center; margin-bottom: 0pt; line-height: 1.2; margin-top: 0"><FONT STYLE="font-family: Arial, sans-serif; font-size: 8pt">&nbsp;</FONT><IMG SRC="image_001.jpg" ALT="" STYLE="height: 310px; width: 375px"></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 1.5pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>If the securities are not automatically called prior to the maturity date and the closing price of any underlying on the final calculation day is less than its 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: 1.5pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 6.5pt; "><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 any underlying, but you will have full downside exposure to the lowest performing underlying on the final calculation day if the closing price of that underlying on the final calculation day is less than its downside threshold price.</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: 6.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 5.5pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 6.0pt; "><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 $952.00, 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-bottom: 0.0pt; line-height: 5.5pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 5.5pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 6.0pt; "><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, index supplement and prospectus before making a decision to invest in the securities.</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 5.5pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 7.0pt; margin-top: 0; "><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; font-size: 8.0pt; word-break: break-all "><font style='white-space: pre-wrap;'><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000183988225064825/ms12043_424b2-37412.htm">https://www.sec.gov/Archives/edgar/data/895421/000183988225064825/ms12043_424b2-37412.htm</A></font></FONT></P>


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                    <P style="margin-bottom: 2.2pt; line-height: 5.0pt; padding-left: 4.73pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><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: 1.1pt; margin-bottom: 2.2pt; line-height: 5.0pt; padding-left: 4.73pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 6.0pt; "><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: 1.1pt; margin-bottom: 2.2pt; line-height: 5.0pt; padding-left: 4.73pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><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>
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            <DIV style="width: 587.40pt; padding: 10pt 52.80pt 10pt 33.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0.22pt; margin-bottom: 0.0pt; line-height: 7.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 1.2; "><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: 1.2; "><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, index supplement and prospectus.  Please review those risk factors carefully.</font></FONT></P>
                <TABLE width="608.85pt" style="margin-left: -5.94pt; width: 608.85pt; table-layout: fixed; border-collapse: collapse; ">
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                            <P style="margin-top: 8.8pt; margin-bottom: 3.3pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; 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: 8.0pt; 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: 8.0pt; 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: 8.0pt; 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 value of each underlying on only the related quarterly 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: 8.0pt; 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 any underlying. </font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 8.0pt; 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: 8.0pt; 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: 8.0pt; 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: 8.0pt; 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 underlyings or in the stocks composing the share underlying indices.  </font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 8.0pt; 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: 8.0pt; 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: 8.0pt; 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: 8.0pt; 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: 8.0pt; 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: 8.0pt; 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: 8.0pt; 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: 8.0pt; 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: 8.0pt; 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>
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                            <P style="margin-top: 8.8pt; margin-bottom: 3.3pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to the Underlyings</font></U></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 8.0pt; 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;'>You are exposed to the price risk of each underlying, with respect to both the contingent coupon payments, if any, and the maturity payment amount, if any.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 8.0pt; 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;'>Because the securities are linked to the performance of the lowest performing underlying, you are exposed to greater risks of receiving no contingent coupon payments and sustaining a significant loss on your investment than if the securities were linked to just one underlying. </font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 8.0pt; 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 performance and market price of an underlying, particularly during periods of market volatility, may not correlate with the performance of the respective share underlying index, the performance of the component securities of such share underlying index or the net asset value per share of such underlying.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 8.0pt; 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 exposes investors to risks associated with investments in securities with a concentration in the health care sector.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 8.0pt; 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 exposes investors to risks associated with investments with a concentration in the consumer staples sector.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 8.0pt; 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;'>Adjustments to the underlying funds or the share underlying indices could adversely affect the value of the securities.  </font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 8.0pt; 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 Pepsi,Co, Inc. or UnitedHealth Group Incorporated Inc.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 8.0pt; 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 PepsiCo, Inc. or UnitedHealth Group Incorporated Inc. without regard to your interests.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 8.0pt; 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 prices of the underlyings should not be taken as an indication of the future performance of the underlyings during the term of the securities.  </font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 8.0pt; 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 event that could affect the underlying funds.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 8.0pt; 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 stocks.</font></FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 1.2; margin-top: 0; "><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 underlyings, including historical performance information, see the accompanying preliminary pricing supplement.</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: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 7.5pt; "><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 and the index 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, the index 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: 7.5pt; "><font style='white-space: pre-wrap;'>.</font></FONT><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 7.5pt; "><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, index supplement and prospectus if you so request by calling toll-free 1-(800)-584-6837.</font></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #919191; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #919191; font-size: 7.5pt; "><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>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
