<SEC-DOCUMENT>0001839882-25-065170.txt : 20251112
<SEC-HEADER>0001839882-25-065170.hdr.sgml : 20251112
<ACCEPTANCE-DATETIME>20251112172321
ACCESSION NUMBER:		0001839882-25-065170
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:		251474357

	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>ms12099_fwp-37851.htm
<DESCRIPTION>FREE WRITING PROSPECTUS TO PRELIMINARY PRICING SUPPLEMENT NO. 12,099
<TEXT>
<HTML>
    <HEAD>
        <TITLE></TITLE>
<!-- QES 7h3d0c70r 1762968769.8631818 -->
    </HEAD>
    <BODY style="text-decoration-skip-ink: none; ">
        <DIV style="margin: auto; width: 871.20pt; padding: 36pt 0; ">
            <DIV style="width: 792.00pt; padding: 26.40pt 39.60pt 0 39.60pt; min-height: 13.20pt; position: relative; ">
                <DIV style="position: absolute; width: 300.14pt; height: 32.67pt; z-index: 251657728; left: 524.64pt; top: 16.17pt; ">
                    <P style="line-height: 1.1; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Free Writing Prospectus to Preliminary Pricing Supplement No. 12,099</font></FONT></P>
                    <P style="line-height: 1.1; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Registration Statement Nos. 333-275587; 333-275587-01</font></FONT></P>
                    <P style="line-height: 1.1; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Dated November 12, 2025; Filed pursuant to Rule 433</font></FONT></P>
                </DIV>
                <P style="border-bottom:  0.50pt solid black; margin-top: 0.0pt; margin-bottom: 11.0pt; padding-left: 0.0pt; "><FONT style="color: #595959; font-size: 20.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "></FONT><FONT style="color: black; font-size: 18.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="text-transform: none; color: black; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="color: black; font-size: 18.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="text-transform: none; color: black; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>tanley</font></FONT></P>
            </DIV>
            <DIV style="width: 792.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <DIV>
                    <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: black; font-size: 19.0pt; "><font style='white-space: pre-wrap;'>13</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: black; font-size: 19.0pt; "><font style='white-space: pre-wrap;'>-Month TSLA Enhanced Trigger Jump Securities</font></FONT></P>
                    <P style="margin-bottom: 1.1pt; padding-left: 0.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This document provides a summary of the terms of the securities.  Investors must carefully review the accompanying preliminary pricing supplement referenced below, product supplement and prospectus, and the &#8220;Risk Considerations&#8221; on the following page, prior to making an investment decision.</font></FONT></P>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
                <DIV style="width: 390.05pt; float: left; ">
                    <TABLE width="393.80pt" style=" width: 393.80pt; table-layout: fixed; border-collapse: collapse; ">
                        <TR>
                            <TD width="131.72pt" style="width: 131.72pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="262.07pt" style="width: 262.07pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="0.00pt" style="width: 0.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.28pt; ">
                            <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; border-bottom:  0.50pt solid black; background-color: #296DC1; vertical-align: middle; ">
                                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Summary Terms</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Issuer:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #DCEBF4; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Guarantor:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #DCEBF4; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Maturity date:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>January 5, 2027</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #DCEBF4; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Underlying stock:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #DCEBF4; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tesla, Inc. common stock (&#8220;TSLA&#8221;)</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Payment at maturity:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 2.2pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 18.87pt; 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: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the final share price is greater than or equal to the downside threshold level:</font></FONT></FONT></P>
                                <P style="margin-top: 2.2pt; margin-bottom: 0.0pt; line-height: 1.2; padding-left: 43.62pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 + the upside payment</font></FONT></P>
                                <P style="margin-top: 2.2pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 17.88pt; text-indent: -17.88pt; "><!--[if IE]<FONT style="display: inline-block; width: 17.88pt; text-indent: -17.88pt; "><![endif]--><FONT style="display: inline-block; width: 17.88pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the final share price is less than the downside threshold level, meaning the value of the underlying stock has declined by more than 30% from its initial share price:</font></FONT></FONT></P>
                                <P style="margin-top: 2.2pt; margin-bottom: 0.0pt; line-height: 1.2; padding-left: 43.62pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; share performance factor</font></FONT></P>
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Under these circumstances, the payment at maturity will be significantly less than the stated principal amount of $1,000, and will represent a loss of more than 30%, and possibly all, of your investment.</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #DCEBF4; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Upside payment:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #DCEBF4; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$281.70 per security (28.17% of the stated principal amount)</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 9.5pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Downside threshold level:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>70% of the initial share price</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #DCEBF4; ">
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 9.5pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Share performance factor:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #DCEBF4; vertical-align: middle; ">
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>final share price / initial share price</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Initial share price:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The closing price of the underlying stock on the pricing date</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #DCEBF4; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Final share price:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #DCEBF4; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The closing price of the underlying stock on the valuation date </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>times</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the adjustment factor on such date</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Valuation date:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 30, 2026, subject to postponement for non-trading days and certain market disruption events</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #DCEBF4; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Stated principal amount:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #DCEBF4; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 per </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>security</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 179.03pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Issue price:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 per security </font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #DCEBF4; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Pricing date:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #DCEBF4; vertical-align: middle; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>November 28, 2025</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Adjustment factor:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; vertical-align: middle; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.0, subject to adjustment in the event of certain corporate events affecting the underlying stock</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.17pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #DCEBF4; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Original issue date:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #DCEBF4; vertical-align: middle; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>December 3, 2025 (3 business days after the pricing date)  </font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.32pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>CUSIP/ISIN:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; vertical-align: middle; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>61779TRG4 / US61779TRG49</font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.32pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #DAE9F7; vertical-align: middle; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Preliminary pricing supplement:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #DAE9F7; vertical-align: middle; ">
                                <P style="margin-top: 0; margin-bottom: 0; word-break: break-all "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000183988225065069/ms12099_424b2-37850.htm">https://www.sec.gov/Archives/edgar/data/895421/000183988225065069/ms12099_424b2-37850.htm</A></font></FONT></P>
                            </TD>
                            <TD>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 0.22pt; ">
                            <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; vertical-align: middle; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 6pt; vertical-align: super; "><font style='white-space: pre-wrap;'>1</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>All payments are subject to our credit risk</font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                    <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 15.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 15.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 15.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
</div><div style="width: 48%; float:  right">
                    <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 15.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Payout at Maturity</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13pt; vertical-align: super; "><font style='white-space: pre-wrap;'>1</font></FONT></P>
                    <P style="margin-top: 2.2pt; margin-bottom: 5.5pt; line-height: 1.2; text-align: center; "><IMG SRC="image_001.jpg" ALT="" STYLE="height: 343px; width: 420px"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    <TABLE width="361.35pt" style="margin-left: 19.799999999999997pt; width: 361.35pt; table-layout: fixed; border-collapse: collapse; ">
                        <TR>
                            <TD width="193.05pt" style="width: 193.05pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="168.30pt" style="width: 168.30pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 13.81pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #296DC1; vertical-align: middle; ">
                                <P style="line-height: 11.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>Change in Underlying Stock</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #296DC1; vertical-align: middle; ">
                                <P style="line-height: 11.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>Return on the Securities</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+100.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; 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="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D0CECE; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+80.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D0CECE; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+60.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; 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="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D0CECE; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+40.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D0CECE; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+20.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D0CECE; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+11.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D0CECE; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+10.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; 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="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D0CECE; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+5.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D0CECE; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; 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="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D0CECE; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-5.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D0CECE; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-10.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; 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="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D0CECE; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-15.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D0CECE; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-20.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; 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="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D1D1D1; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-30.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D1D1D1; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.17%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-31.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; 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="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-31.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-40.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D9D9D9; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-40.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-60.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-60.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #D9D9D9; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-80.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #D9D9D9; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-80.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-100.00%</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                                <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-100.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 10.95pt; ">
                            <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; vertical-align: middle; ">
                                <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
            </DIV>
            <DIV style="width: 792.00pt; padding: 0 39.60pt 39.38pt 39.60pt; min-height: 0.22pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 871.20pt; padding: 36pt 0; ">
            <DIV style="width: 792.00pt; padding: 30.09pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 792.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="border-top:  0.50pt solid black; margin-top: 6.6pt; line-height: 9.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The issuer has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus in that registration statement and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling toll-free 1-800-584-6837.</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Underlying Stock</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>For more information about the underlying stock, including historical performance information, see the accompanying preliminary pricing supplement.</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Risk Considerations</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The risks set forth below are discussed in more detail in the &#8220;Risk Factors&#8221; section in the accompanying preliminary pricing supplement.  Please review those risk factors carefully prior to making an investment decision. </font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 12.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to an Investment in the </font></U><U><font style='white-space: pre-wrap;'>Securities</font></U></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The securities do not pay interest or guarantee any return of principal.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The appreciation potential is fixed and limited.   </font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The market price of the securities may be influenced by many unpredictable factors.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The securities are subject to our credit risk, and any actual or anticipated changes to our credit ratings or credit spreads may adversely affect the market value of the securities.    </font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>As a finance subsidiary, MSFL has no independent operations and will have no independent assets.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The amount payable on the securities is not linked to the value of the underlying stock at any time other than the valuation date. </font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The rate we are willing to pay for securities of this type, maturity and issuance size is likely to be lower than the rate implied by our secondary market credit spreads and advantageous to us.  Both the lower rate and the inclusion of costs associated with issuing, selling, structuring and hedging the securities in the original issue price reduce the economic terms of the securities, cause the estimated value of the securities to be less than the original issue price and will adversely affect secondary market prices.  </font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The estimated value of the securities is $965.50 per security, or within $35.00 of that estimate, and is determined by reference to our pricing and valuation models, which may differ from those of other dealers and is not a maximum or minimum secondary market price. </font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The securities will not be listed on any securities exchange and secondary trading may be limited.  </font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Investing in the securities is not equivalent to investing in the underlying stock.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The calculation agent, which is a subsidiary of Morgan Stanley and an affiliate of MSFL, will make determinations with respect to the securities.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><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: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The U.S. federal income tax consequences of an investment in the securities are uncertain. </font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 12.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to the Underlying </font></U><U><font style='white-space: pre-wrap;'>Stock</font></U></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>No affiliation with Tesla, Inc.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>We may engage in business with or involving Tesla, Inc. without regard to your interests.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Governmental regulatory actions, such as sanctions, could adversely affect your investment in the securities.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The antidilution adjustments the calculation agent is required to make do not cover every corporate event that could affect the underlying stock.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Tax Considerations</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You should review carefully the discussion in the accompanying preliminary pricing supplement under the caption &#8220;Additional Information About the Securities&#8211;Tax considerations&#8221; concerning the U.S. federal income tax consequences of an investment in the securities, and you should consult your tax adviser.</font></FONT></P>
            </DIV>
            <DIV style="width: 792.00pt; padding: 0 39.60pt 18.21pt 39.60pt; min-height: 21.40pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
    </BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>image_001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" &H @<# 2(  A$! Q$!_\0
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M (03P?\ ]"IH?_@NA_\ B:/^$$\'_P#0J:'_ ."Z'_XF@#H**Y__ (03P?\
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M):XD"#"AG6%C@>F32&='=K=M!BSDA2;/69"ZX^@(_G5 1>(,\W>F8_Z]9/\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M_HI: .@HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M44 %%%% !1110 4444 %%%% !1165'JTM]J9MM/@$EM!(4NKJ0D(&'!1/[[
M\$]!@C.1B@"6?6+:+5(]-C#3WC .\46"88SGYW_NC@X[G!P#@X=%I-M%J<NH
MMOFNW&U9)3GRD_NH.BCN<<GN3@58@M+>U:9H(8XVFD,DI5<%V/<GN> /P%34
M %%%% !1110 4444 %48+R276;VT(7RX(HF4CKEM^0?^^1^=6;J5X+2:6*+S
M9$C9ECSC>0,@9[9KR+PA\:--\1^,AIUKH]\L^INBIEDQ&%4[B>>@ )_"@#V*
MBBB@ HHHH **** "O+/&G]EZ=XON=1?7/$^F74EM&LQTNS,D+(N2"S>6PR,G
MJ>*]3KS_ ,5PK?ZIJB1^(?$EN+*S66YM-,C0IM.> 2IRY&3@'I4O<:.UTMUD
MTFSD26696@0B288=QM'+#L3WJW5#1!9KH.GC3G+V(MHQ;LQR6CVC:23[8J_6
MDOB9$?A045R^LZ#J5]XTT?4[:=8[*W@FBN09W5L..-JCC=G'S9XYXZ8Q;[PS
MXENM+T[3H5@C-I%)"UXVI2B1LH-K#"G/).<X/R]<$U)9Z%17':7X:U6Q_L]K
MB9;H1V<UK/%)=/M(>564C"X)"A@2%7L  .B:1X4U+3=4TV?[4@@AA!N%65S^
M\(DWJJD8VEI%.21CRP,>CLK[D]#LJY_P)_R3SPU_V"K7_P!%+3[[1-6N;V2>
MV\5ZC9Q,P*V\=O;,BCC(!:(MSSU/>J7@:"[/@#PT1> +_9=J=OE#IL4XZ^F!
M^&:0SJJ*J+;WH*EKX'&,CR0,X))[]Q@?A2);WHV;KX-C;N_<@;L$Y[\9&![8
MH N4532WO1MW7P;&W/[D#.,Y[]^/IBA8-0 3=>PG&W=BWQG&=W\7&>/ICOF@
M"Y15-(=0&W=>PM]W.+?&< [OXNYP?;&.<TBP:B-NZ]A/W<XMR,_*0?XNYP?;
M&.<YH NT52$&H@#-[ 3QG_1CS\N#_%W;GZ<>] @U#C-[#T'_ "[GKMQ_>_O<
M_3CWH NT52\C4<?\?L&<?\^Q_NX_O_WN?IQ[T&#4.<7L/0_\NYZ[<?WO[W/T
MX]Z +M%4C!J)!Q>P \X_T8\?+@?Q=FY^G'O0T&I'.V^@'WO^78G^$ ?Q]FR?
M?...M %VBJ30ZB0VV]@&=VW-L3C@8_CYP<GWSVQ0T.HG=MO8%^]C-L3C(&W^
M/L<_7/;% %VBJ30ZB=^V]@&2VW-L3@'&W/S\XY^N>V*&AU$E]M[ ,[MN;8G&
M2-O\?.!D>^>U %VBJ30ZB=VV]@&<[<VQ./F!'\?.!D>^<^U#0ZB=VV]MQG.,
MVQ./F!'\?]W(^IS[4 7:*IF'4<G%Y;XYP/LY_O9_O_W<CZ\^U<M\0[#Q;=>"
M[V+P_J"+?8#?N5,,C*&R0K[OE.W ]\'D9H [6BO%] \)_%^30K1Y?&T5FS)D
M03Q+/(@[;G*G)_$UI?\ "(_%K_HH-I_X!)_\10!ZM17E/_"(_%K_ **#:?\
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M3X#JM[J?FR#[#I\#LJQ$*TER>1N8\A$[@#YCP21T.M7E/_"(_%O_ **#:?\
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MTY_Z<D_^(H ]6HKRG_A$?BU_T4&T_P# )/\ XBC_ (1'XM?]%!M/_ )/_B*
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MO:]H_P#GA%_=Y_[[^;_@.VM&L[3O^/[5^/\ E[7O'_SPB_N\_P#??S?\!VT
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M<DFJN@Z;;Z5I$,%L9&#YF>267S'=W.YF+=R23[>G%:5 !1110 4444 %%%%
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M0T]V>]U52P(2Z4 "4M@>3$<8(^7KT&1SG.20 "_1110 4444 %%%% !1110
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MG/"Y'?[Q84 :%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !7/^!/^2>>&O\
ML%6O_HI:Z"N?\"?\D\\-?]@JU_\ 12T =!1110 4444 %%%1SSPVMO)<7$J1
M0QJ6>1V"JH'4DGH* )*\X\9?$Q[/5!X8\(VO]K>))?EVIS%;>[GU'IT'<CH<
M35?&7B#XE:E/X?\  6ZUTI#Y=]KK@J .XC[]/3D_[(Y/>^#O VC>"=.-OIL.
MZ>3!N+N3F68^Y]/;I0!@>"/ABFCWY\1^);HZOXGF^9[B4[D@)[1@^G3.!@<
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MG%L@=8\8VAL9"XXQTQ4NG:3INCP-!IFGVEC"S;VCMH5B4MZD*!S57_K^OO\
MPV)MHOZ_K^NI5.OVX./L6I_^ $O_ ,357P)_R3SPU_V"K7_T4M=!7/\ @3_D
MGGAK_L%6O_HI:0SH**** "BBN+\<_$?3?!L:VB1MJ&MS@"VTZ#YG8GH6QD@?
MJ>PH W?$GB?2/">DOJ6L7:6\"\*.KR-_=1>I/^>E>6P:=XD^,\\=YJ_G:-X,
M#AX;)3B6] /#,?3H<]/3/WJT_#GPYU+Q#JL7BGXBRK>7P&ZVTL?ZBU'4 KT)
M]N1ZDGIZL    , 4 5-,TNQT;3H;#3K6.VM85VI%&, ?XGWJW110 4444 %%
M%% !1110 4444 %%%% !4-V";.< 9)C;C!/;VY_*IJAO!NLIQMW9C88P3GCT
M')H +0$6< (P1&O&".WOS^=35#9C;90#;MQ&HQ@C''H>14U !1110 4444 %
M%%% !1110 4444 %%%% !1110 5G:<NV^U<["NZ[4Y\IEW?N(AG))#=,97 X
MQC().C5#3T9+W56*@![I2"(BN1Y,0SDGYNG48'&,9!) +]%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !7/^!/
M^2>>&O\ L%6O_HI:Z"N?\"?\D\\-?]@JU_\ 12T =!15:_O[32[&:]OKB.WM
M85W22R-A5'UKR&YU[Q)\7[V33/#/G:3X31BEUJDB[9+D=U0>A]!_P(C.V@#5
M\4_$F^U+59/"OP_A%_K).R>^ !@M!T)R>"1^(!]3Q6SX%^&MEX3>34[Z=M4\
M0W/S7&H3_,03U"9Y ]^I^G WO"WA+1_!VD+IVCVPBCZR2-R\K?WF;N?T';%;
M= !1110 4444 %%%% !1110 4444 %%%% !1110 5#=C=93C&<QL,8SGCT[U
M-4-X-UE.-N[,;# 7=GCT[T %H-ME ,8Q&HQC&./3M4U0V8VV4 V[<1J,%=N.
M/3M4U !1110 4444 %%%% !1110 4444 %%%% !1110 5G:=%Y=]J[>5L\R[
M5MWE;-_[B(9SD[^F-W'3;CY<G1K/TZ+R[[5VV*OF7:MD1!-W[B(9)!.\\8R<
M= ,?*"0#0HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@"G_:^F_VB^G_ -HVGVV-/,>V\Y?,5?[Q7.0/>C3M5T[5X&GT
MS4+6]A5MK26TRR*#Z$J3S7":OH&L7GBK4%L-,>""XMY=]Q))')"[-&Z!DS\Z
M29*@@8&"V2<BNE\-V]Z;V]OKO3)M-66*"%+>9XV8F,-EOW;,N#N '.?EZ4+5
M7!Z'15Y_9>,]&\%?"?PW?:M<;2=)MA# G,DS"%>%']>@[UOW5MXQ"3/::OH;
M, QBCDTJ49] 6%Q]!G'X=J\Q\$?"F_FMM$\576N6-_</I]NUK#J.G/.EJFQ2
MBJ!,@RHX&1UYZ\T 7+#POXA^*FHPZUXR$FG>'HSOL]&1BK2^C2?AZ\^FT=?7
M;2SMK"SBM+."."WA4)'%&H544=  *Q?L?C#_ *#NA_\ @FF_^2J/L?C#_H.Z
M'_X)IO\ Y*H Z"BN?^Q^,/\ H.Z'_P"":;_Y*H^Q^,/^@[H?_@FF_P#DJ@#H
M**YV2V\81Q._]N:&=JDX_L:;_P"2JAT\>,+[3;6\_MG0T\^%)=G]CS';N .,
M_:>>M '445S_ -C\8?\ 0=T/_P $TW_R51]C\8?]!W0__!--_P#)5 '045S_
M -C\8?\ 0=T/_P $TW_R51]C\8?]!W0__!--_P#)5 '045R^H#QA8Z;=7G]L
MZ&_D0O+L_L>8;MH)QG[3QTJ:.V\821(_]N:&-R@X_L:;_P"2J .BHKG_ +'X
MP_Z#NA_^":;_ .2J/L?C#_H.Z'_X)IO_ )*H Z"BN?\ L?C#_H.Z'_X)IO\
MY*H^Q^,/^@[H?_@FF_\ DJ@#H**YJYA\86UI-/\ VWH;>6C/M_L>89P,X_X^
MJ+:'QA<VD,_]MZ&OF(K[?['F.,C./^/J@#I:ANQNLIQC.8V&-N>WIWK%^Q^,
M/^@[H?\ X)IO_DJL[7W\5Z7X<U34)M9T62*UM)9W1=&ERP5"Q S<X[=Z .KM
M!MLH!C&(U&-N.WIVJ:N<AL/%\4$<8UO0@%4* -&EXP/^OFG_ &/QA_T'=#_\
M$TW_ ,E4 =!17*:HWC#3=+N;W^V=#D\B,OL_LB8;L=L_:>*M_8_&'_0=T/\
M\$TW_P E4 =!17/_ &/QA_T'=#_\$TW_ ,E4?8_&'_0=T/\ \$TW_P E4 =!
M17/_ &/QA_T'=#_\$TW_ ,E4?8_&'_0=T/\ \$TW_P E4 =!17':]<^,-$T6
MXU#^U]#F\G;^[_LB5<Y8+U^TGUK1^Q^,/^@[H?\ X)IO_DJ@#H**Y_['XP_Z
M#NA_^":;_P"2J/L?C#_H.Z'_ .":;_Y*H Z"BN?^Q^,/^@[H?_@FF_\ DJC[
M'XP_Z#NA_P#@FF_^2J .@HKC]9N/&&D6,=S_ &OH<N^[MK;;_9$RX\Z9(MV?
MM)Z;\X[XQQUK0^Q^,/\ H.Z'_P"":;_Y*H Z"L_3D"WVKD0^7NNU);RU7S/W
M$0W9!);IC)P?EQC !.?]C\8?]!W0_P#P33?_ "56!HD_BNZ\3>)]/34]"B:S
MNH#)*-'D_>L]O&<X%P#P !R6/'4#  !W]%<_]C\8?]!W0_\ P33?_)5'V/QA
M_P!!W0__  33?_)5 '045RBMXP;5Y;#^V=#_ '<"3;_[(FYW,PQC[3_L_K5O
M['XP_P"@[H?_ ()IO_DJ@#H**Y_['XP_Z#NA_P#@FF_^2J/L?C#_ *#NA_\
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MMH;:.>#=,Z)*K@$%D",LFW)PV,D8.*2\Q=3T..XAFDECBFC=XF"R*K E"0"
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4% !1110 4444 %%%% !1110!_]D!

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