<SEC-DOCUMENT>0001839882-25-064838.txt : 20251112
<SEC-HEADER>0001839882-25-064838.hdr.sgml : 20251112
<ACCEPTANCE-DATETIME>20251112080533
ACCESSION NUMBER:		0001839882-25-064838
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:		251469097

	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>ms12082_fwp-37706.htm
<DESCRIPTION>FREE WRITING PROSPECTUS TO PRELIMINARY PRICING SUPPLEMENT NO. 12,082
<TEXT>
<HTML>
    <HEAD>
        <TITLE></TITLE>
<!-- QES 7h3d0c70r 1762902337.298516 -->
    </HEAD>
    <BODY style="text-decoration-skip-ink: none; ">
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 627.00pt; padding: 39.60pt 20.90pt 0 25.30pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 627.00pt; padding: 10pt 20.90pt 10pt 25.30pt; position: relative; margin-bottom: 20pt; ">
                <DIV>
                    <TABLE width="605.88pt" style="margin-left: -5.94pt; width: 605.88pt; table-layout: fixed; border-collapse: collapse; ">
                        <TR>
                            <TD width="302.94pt" style="width: 302.94pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="302.94pt" style="width: 302.94pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.35; "><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 17.0pt; "><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: 17.0pt; "><font style='white-space: pre-wrap;'> Stanley Finance LLC</font></FONT><FONT style="font-size: 17.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT></P>
                                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 20.25pt; "><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 16.5pt; "><font style='white-space: pre-wrap;'>Structured Investments</font></FONT></P>
                                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.35; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">&nbsp;</FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 10.0pt; 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. 12,082</font></FONT></P>
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 10.0pt; 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: 10.0pt; text-align: right; "><FONT style="font-family: Arial, sans-serif; color: #A6A6A6; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Registration Statement Nos. 333-275587; 333-275587-01</font></FONT></P>
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 10.0pt; text-align: right; "><FONT style="font-family: Arial, sans-serif; color: #A6A6A6; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 12, 2025</font></FONT></P>
                                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.35; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">&nbsp;</FONT></P>
                            </TD>
                        </TR>
                    </TABLE>

                    <DIV STYLE="background-color: #979797; padding: 6pt 12pt 0pt 6pt; width: 97%">
		    <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; padding-left: .92pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Leveraged Upside Participation and Contingent Downside</font></FONT></P>
                    <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; padding-left: .92pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to an Unequally Weighted Basket Consisting of Five Indices due November 27, 2028</font></FONT></P>
                    <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; padding-left: .92pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fully and Unconditionally Guaranteed by Morgan Stanley</font></FONT></P>
                </DIV>
		</div>

                <DIV style="width: 283.10pt; float: left; ">
                    <P style="margin-top: .6pt; margin-bottom: 3.3pt; line-height: 1.2; padding-left: .8pt; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 13.0pt; "><BR><font style='white-space: pre-wrap;'>Summary of terms</font></FONT></P>
                    <TABLE width="277.20pt" style="margin-left: 0.08pt; width: 277.20pt; table-layout: fixed; border-collapse: collapse; ">
                        <TR>
                            <TD width="89.10pt" style="width: 89.10pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="188.10pt" style="width: 188.10pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Issuer and guarantor</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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC (issuer) and Morgan Stanley (guarantor)</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Market measure</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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>An unequally weighted basket (the &#8220;Basket&#8221;) composed of the following basket components, with the weighting percentages noted parenthetically: the EURO STOXX 50</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 4pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'> Index (the &#8220;SX5E Index&#8221;) (40.00%), the Nikkei Stock Average (the &#8220;NKY Index&#8221;) (25.00%), the FTSE</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 4pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'> 100 Index (the &#8220;UKX Index&#8221;) (17.50%), the Swiss Market Index (the &#8220;SMI Index&#8221;) (10.00%) and the S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 4pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>/ASX 200 Index (the &#8220;AS51 Index&#8221;) (7.50%) (each referred to as a &#8220;basket component&#8221; and collectively as the &#8220;basket components&#8221;).</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Pricing 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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>November 21, 2025</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Original issue 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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>November 26, 2025</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Face amount</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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>$1,000 per security</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Automatic call</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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>If, on the call date, the closing level of the Basket is greater than or equal to the starting level, the securities will be automatically called for the call payment on the call settlement date.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Call 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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>November 27, 2026</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Three business days after the call date</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Call payment</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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>At least $1,103.50 per security, which corresponds to a call premium of at least 10.35% of the face amount (to be determined on the pricing date).</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><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: 0.0pt;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>If the securities are not automatically called prior to maturity, you will be entitled to receive on the maturity date a cash payment per security as follows:</font></FONT></P>
                                <P style="margin-bottom: 1.5pt;  margin-top: 0; margin-left: 22.77pt; 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: 6.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>if the ending level of the Basket is greater than the starting level:</font></FONT></FONT></P>
                                <P style="margin-bottom: 1.5pt;  padding-left: 39.6pt; margin-top: 1.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>$1,000 + ($1,000 &#215; basket return &#215; participation rate)</font></FONT></P>
                                <P style="margin-bottom: 1.5pt;  margin-top: 1.5pt; margin-left: 22.77pt; 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: 6.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>if the ending level of the Basket is equal to or less than the starting level but greater than or equal to the threshold level: </font></FONT></FONT></P>
                                <P style="margin-bottom: 1.5pt;  padding-left: 39.6pt; margin-top: 1.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT></P>
                                <P style="margin-bottom: 1.5pt;  margin-top: 1.5pt; margin-left: 22.77pt; 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: 6.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>if the ending level of the Basket is less than the threshold level:</font></FONT></FONT></P>
                                <P style="margin-bottom: 0.0pt;  padding-left: 39.6pt; margin-top: 1.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>$1,000 + ($1,000 &#215; basket return)</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Basket return</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;  text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>ending level &#8211; starting level</font></U></FONT></P>
                                <P style="margin-bottom: 0.0pt;  text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>starting level</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>November 27, 2028</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Starting level</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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>100</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Ending level</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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>The &#8220;ending level&#8221; will be equal to the product of (i) 100 and (ii) an amount equal to 1 plus the sum of: (A) 40.00% of the component return of the EURO STOXX 50</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 4pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'> Index; (B) 25.00% of the component return of the Nikkei Stock Average; (C) 17.50% of the component return of the FTSE</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 4pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'> 100 Index; (D) 10.00% of the component return of the Swiss Market Index; and (E) 7.50% of the component return of the S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 4pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>/ASX 200 Index.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Component return:</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;  text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>final component</font></U><U><font style='white-space: pre-wrap;'> level &#8211; </font></U><U><font style='white-space: pre-wrap;'>initial component</font></U><U><font style='white-space: pre-wrap;'> level</font></U></FONT></P>
                                <P style="margin-bottom: 0.0pt;  padding-left: 2.97pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>initial component level</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Threshold level</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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>75, which is equal to 75% of the starting level</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Initial component level:</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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>With respect to each basket component, the respective closing level on the pricing date</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Final component level</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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>With respect to each basket component, the respective closing level on the calculation day</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Participation rate</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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>125%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Calculation day*</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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>November 21, 2028, subject to postponement for non-trading days and certain market disruption events.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC, an affiliate of the issuer and the guarantor</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>$1,000 and any integral multiple of $1,000</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><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;  padding-left: 3.19pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><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 $25.75 for each security it sells.  Dealers, including Wells Fargo Advisors (&#8220;WFA&#8221;), may receive a selling concession of up to $20.00 per security, and WFA may receive a distribution expense fee of $0.75 for each security sold by WFA.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 1.1pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>61779TQU4</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="height: 7pt; vertical-align: top; min-height: 3.3pt">
                            <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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><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;  padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>See preliminary pricing supplement</font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                </DIV>
                <DIV style="width: 58.80pt; float: left; ">
                    <P>&nbsp;</P>
                </DIV>
                <DIV style="width: 283.10pt; float: left; ">

                    <P style="margin-top: 20.6pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Hypothetical payout profile**</font></FONT></P>
                    <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>&nbsp;<IMG SRC="image_001.jpg" ALT="" STYLE="height: 278px; width: 375px"></font></FONT></P>
                    <P style="margin-bottom: 6.6pt; line-height: 7.5pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><BR><font style='white-space: pre-wrap;'>If the securities are not automatically called prior to maturity and the ending level is less than the threshold level, you will be fully exposed to the decline in the closing level of the Basket.  You may lose more than 25%, and possibly all, of your investment.</font></FONT></P>
                    <P style="margin-bottom: 6.6pt; line-height: 7.5pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The face amount of each security is $1,000.  This price includes costs associated with issuing, selling, structuring and hedging the securities, which are borne by you, and, consequently, the estimated value of the securities on the pricing date will be less than $1,000 per security.  We estimate that the value of each security on the pricing date will be approximately $959.10, 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;Estimated Value of the Securities&#8221; in the accompanying preliminary pricing supplement for further information.</font></FONT></P>
                    <P style="margin-bottom: 6.6pt; line-height: 7.5pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>This document provides a summary of the terms of the securities. Investors should carefully review the accompanying preliminary pricing supplement referenced below, product supplement for principal at risk securities, index supplement and prospectus, and the &#8220;Selected risk considerations&#8221; on the following page, before making a decision to invest in the securities.</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 9.0pt; 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; color: #000000; font-size: 8.0pt; word-break: break-all "><font style='white-space: pre-wrap;'><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000183988225064828/ms12082_424b2-37705.htm">https://www.sec.gov/Archives/edgar/data/895421/000183988225064828/ms12082_424b2-37705.htm</A></font></FONT></P>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
                <DIV>
                    <P style="margin-bottom: 0.0pt; line-height: 6.5pt; text-indent: 0.33pt; padding-left:.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>*subject to change</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 6.5pt; text-indent: 0.33pt; padding-left:.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>** In addition, selected dealers may receive a fee of up to 0.30% for marketing and other services.</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 6.5pt; text-indent: 0.33pt; padding-left:.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The securities have complex features and investing in the securities involves risks not associated with an investment in ordinary debt securities.  See &#8220;Selected risk considerations&#8221; in this term sheet and &#8220;Risk Factors&#8221; in the accompanying preliminary pricing supplement and product supplement. All payments on the securities are subject to our credit risk.</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 6.5pt; text-indent: 0.33pt; padding-left:.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>This introductory term sheet does not provide all of the information that an investor should consider prior to making an investment decision. </font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 6.5pt; text-indent: 0.33pt; padding-left:.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The securities are not deposits or savings accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency or instrumentality, nor are they obligations of, or guaranteed by, a bank.</font></FONT></P>
                </DIV>
<BR clear="all" style="font-size: 1px; ">

<BR clear="all" style="font-size: 1px; ">
            </DIV>

        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 10.00pt 39.60pt 0 39.60pt; min-height: 39.60pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <DIV>
                    <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; 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: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 9.5pt; "><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>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
                <DIV style="width: 292.70pt; float: left; ">
                    <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to an Investment in the Securities</font></U></FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 1.5pt; line-height: 1.2; margin-left: 19.8pt; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The securities do not pay interest or guarantee the return of the face amount of your securities at maturity.</font></FONT></FONT></P>
                    <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>If the securities are automatically called prior to maturity, the appreciation potential of the securities is limited by the fixed call payment specified for the call date.</font></FONT></FONT></P>
                    <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The market price will be influenced by many unpredictable factors.</font></FONT></FONT></P>
                    <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; 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: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; 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: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Investing in the securities is not equivalent to investing in the basket components.</font></FONT></FONT></P>
                    <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Reinvestment risk.</font></FONT></FONT></P>
                    <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; 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 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: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; 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: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; 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: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The calculation agent, which is a subsidiary of Morgan Stanley and an affiliate of MSFL, will make determinations with respect to the securities.</font></FONT></FONT></P>
                    <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><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: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The maturity date may be postponed if the calculation day is postponed.</font></FONT></FONT></P>
                    <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><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: 1.5pt; margin-bottom: 3.3pt; line-height: 1.2; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; 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>
                </DIV>
                <DIV style="width: 6.60pt; float: left; ">
                    <P>&nbsp;</P>
                </DIV>
                <DIV style="width: 292.70pt; float: left; ">
                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; text-indent: -4.95pt; padding-left: 19.8pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to </font></U><U><font style='white-space: pre-wrap;'>the </font></U><U><font style='white-space: pre-wrap;'>Basket</font></U></FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 1.5pt; line-height: 1.2; margin-left: 35.64pt; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Changes in the levels of the basket components may offset each other.</font></FONT></FONT></P>
                    <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; margin-left: 35.64pt; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The basket components are not equally weighted.</font></FONT></FONT></P>
                    <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; margin-left: 35.64pt; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The securities are subject to risks associated with investments in securities linked to the value of foreign equity securities.</font></FONT></FONT></P>
                    <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 1.2; margin-left: 35.64pt; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Adjustments to the basket components could adversely affect the value of the securities.</font></FONT></FONT></P>
                    <P style="margin-top: 1.5pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 35.64pt; 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: 8.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Historical levels of the basket components should not be taken as an indication of the future performance of the basket components during the term of the securities.</font></FONT></FONT></P>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
                <DIV>
                    <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>For more information about the Basket, including historical performance information, see the accompanying preliminary pricing supplement.</font></FONT></P>
                    <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 8.5pt; "><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: 8.5pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 8.5pt; "><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-top: 6.6pt; margin-bottom: 6.6pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; color: #919191; font-size: 8.5pt; "><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>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 39.60pt 39.60pt; min-height: 0.00pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 10.5pt; "><FONT>2</FONT></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
    </BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>image_001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" %F >,# 2(  A$! Q$!_\0
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MGE69\SN2'4@@@DY&"!T]*R**K>,=-@TJVO+L31O/$)5@CB>1NIXX'7@G!P<
M\<&M2TU>PO;N:UM[@//",R)@@CMW'8\'T/!K-E\&Z)-Y/F03$PILC/VF3('S
M=]W/WVK2L]*M+"XFFMT=7F)9\R,02>IP3C)- %6]\4:-IUV]K=7GESQXW+Y3
MG&0".0,="*K_ /":^'O^@A_Y!D_^)K3GTG3KF9II]/M996^\\D*LQ[<DBF?V
M%I'_ $"K'_P'3_"NA.A;5._JO\C)JK?1K\3/_P"$U\/?]!#_ ,@R?_$T?\)K
MX>_Z"'_D&3_XFM#^PM(_Z!5C_P" Z?X4?V%I'_0*L?\ P'3_  IWP_9_>O\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH ***YG6=;NKF].BZ'A[P_ZZ?\ A@'?GU_E
M]:TITW-V1,I**NQ=;UZX:[_L?14\W4'X>0?=@'J??^7Z5H:'H5OHML0I\VYD
MYFG;[SG_  IVB:);Z):>5%EYG^::9OO2-_A[5I$X!."<>E7.HDN2&WY_UV(C
M!M\TM_R!W6-&=V"HHRS$X 'K67:WJ>(+2X%N+F*R<!8KM&V&8=VC[[?1N^<C
MC!*Z<=2O6EN-0A2WMI%VQ61 9P.YD8$C)_NC@>I[:@&!@5@:D%G9V]A:I;6L
M*Q0H/E11_G)]ZGHHH **** "BBB@ HHHH **** "BBB@ HHHH ***I7^K6FF
MR6\=S(5:=RJ!5+= 22<=!QU^@[T 7:*Y5/'5C)JZ6!MIXM^W9+,-BDE0_7IC
M8P/7/8@5M:GKNCZ)Y7]K:K8V'G9\O[7<)%OQC.-Q&<9'3U%%@(=%_P"/O6?^
MO\_^BHZUJP/"^HV.J'6+K3[RWN[<WY EMY5D0GRH^X)%;] !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%<IJFL7.M7K:+H;^US=C[L:]P#Z_Y'J-*=-S>FWY
M$3FHH=J^LW.I7IT30VS,?^/BZ!^6%>^#Z_YZ]-C1=%MM$LA! -SMS+*WWI&]
M3_A3M(T>TT6R%M:I[NY^\Y]34;:JTFKC3[.V:8Q$&ZF)VQP@C(7./F<C^$=!
MR2,C-U*BMR0V_/U_R)C!WYI;_D69=1M8;^"Q:7-U."4C4%CM R6./NKVR<#)
M ZFJMEI#1:A)J-]=-=WC96,D;8[=#_#&O;..6.23WQ@"U:Z=:V4MQ+!%MEN'
M,DLC,69S[DDG [#H!P *M5@:A1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %4;W1].U&XM[B[LX9IK9P\4CH"RD>A]/:KU% %!=$TI%"KIUJ &5@
M!$O4<#MV!P/;BK]%% &3HO\ Q]ZS_P!?Y_\ 14=:U9.B_P#'WK/_ %_G_P!%
M1UK4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !103@9/2N0O]2N_$UX^E:.VRR4[;J\
M'0CNJ_YY^G72G3<WV2W9$YJ/J.U'5;KQ!>/H^BL5A'%U>#[JCN%_SS].:WM/
MTZRT+3O*@"Q0H-TDCD#/JS&H,Z9X6TA$_P!5"I"JJJ6DF<]@!RS'T%.O-(BU
M>XMI[UIFMH@'6Q8@1F3J&<#[Q'& 25!&<$@$54J)KDAHOS\W_6@H0=^:6XMW
M%J5Y?1Q0S+:6";7>5"&EF.<[!D85?4\DYP,=:TZ**Q- HHHH **** "BBB@
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M.6C(##!XXS0 ^BBB@ HHHH **A>[MXY_(>9%EQNVD]N?\#^1I8KF&9BL;Y8
M,1C'!Z'Z4 2T444 %-DD2&)I)'5$099F. !ZTDTT=O"\TSJD:#<S,< "N,GG
MN_%\DA2.:+0[?+'8/GNB.P_+_)Z:TZ?-J]$MW_74SG/ET6X7=\_BIY0LQL_#
M]MEKBYD.SS<<GD]!WYZ=3V%;=A#:ZIHCVEM;75EIV=D3*QB:9."6'\0!Y&3A
MCR>X-/T:UO#:.+^VM[:W8 06" ,(4'3>W1G/!..!T!;[QV*=2IS>['1+^OO"
M$+:O5D5M;065M';6T*0P1*%2.-<*H] *EHHK$T"BBB@ HHHH **** "BBB@
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MO_)!/\:[:BCZS/LON7^0<B_ILXAO#'C-UP?&YQ[6*#^1IG_")>,?^AXD_P#
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M&P_=QCE64$=.XK;^VQ?W)_\ OP_^%4=%_P"/O6?^O\_^BHZUJ *_VV+^Y/\
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M+^Y/_P!^'_PH^VQ?W)_^_#_X58HH K_;8O[D_P#WX?\ PH^VQ?W)_P#OP_\
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MN'L-#)ALU.V>^(Q^"_YS]*TITW/R2ZD3FH^I8UW7C-))HNDQ?:[Z92CE?NQ
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M&P&-2!\BJO'^RJCT '%;% !1110 4444 %%%% !1110 4444 %%%% !1110
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MIW@1J ?D9EY_V68>A(YK8H **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ K$U#PKIVI:A%>S>;YL9)!W
M[L9(/RDY*],?+C()%;=% '+GP+IQ99?/N!<IMV3IM5UVH$&"%_NJ/QYK8U/0
M='UKRO[6TJQO_)SY?VNW279G&<;@<9P,_05H44[@8GAFSM=/M+VTLK:&VMH[
MV4)##&$11P> .!6W67HG_,1_Z_I?Z5J4@"BBB@ HHHH **** "BFNZ1HSNRJ
MBC+,QP /4UR=SK%_XDN'L-!)BM5.V>_((_!?\Y^G6M*=-S].Y$YJ/J6]8\2.
MER=+T:/[5J3<''*0^I)]1^G?TJ71/#:6$IO[Z3[7J<G+S-R%]E_EG^57='T2
MST2U\FU3YC]^1OO.?<_TK1K25117)3V[]7_P/(F,&WS3W_(****YS4**** "
MBBB@ HHHH *Q_";O)X-T.26\^VR-I]N6NLL?.)C7+Y<!CGK\P!YY&:V*P_!8
MA7P+X>6WDDD@&F6PC>1 C,OE+@E02 <=LG'J: -RBBB@ HHHH **** ,?PFE
MO'X-T-+-]]JNGVXA;<6W)Y:[3DJI/&.2J_0=*V*Q_";V\G@W0WLTV6K:?;F%
M=I7:GEKM&"S$<8X+-]3UK8H **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** ,O1/^8C_P!?
MTO\ 2M2LO1/^8C_U_2_TK4H **** "BBB@ JM?7]KIMJUS=S+%$O<]2?0#N:
MI:WX@M-$C429EN9/]5;IRS>GT'^>:R;#0+O5[M=4\1'<1S#9_P $8]Q_3\_2
MMX4E;GGHOQ?I_F92GKRQU?Y$*1:CXSE$EQOLM$!RD0X>?W/M^GIGK766MK!9
M6R6]M$L42#"JHJ8    8 Z 45-2JY:+1+H.$.75ZL****R- HHHH **** "B
MBB@ HHHH *P_!9A;P+X>:WCDC@.F6QC21P[*OE+@%@ "<=\#/H*W*P_!<BS>
M!?#TJ0QP(^F6S+%&6*H#$ORC<2<#IR2?4F@#<HHHH **** "BBB@#'\)W"7?
M@W0[F*+RHY=/MY%CPHV QJ0/D55X_P!E5'H .*V*R_#4ES-X5TB6]AD@NWLH
M6FBD+ED<H-RG>2^0<CYB3ZDFM2@ HHHH **** "BBB@ HHHH **** "BBB@
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M/H*W* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M_ODS^Z:1@V!D\@XQGM0!ZA17-OX6T2.7RGU#6%DV[]I\07H.W.,X\[IFI/\
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MV"4!,'(V@#'3 K8_X0W2_P#GZUS_ ,'M[_\ 'J .@HKG_P#A#=+_ .?K7/\
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M6T4AF+X:TW4=*LY;;4+B.X*O^[E!.YE' W9Z<!1CV-6M7M[VYM42RDV,) 9
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A110 4444 %%%% !1110 4444 %%%% !1110 4444 ?_9

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