<SEC-DOCUMENT>0001839882-25-065519.txt : 20251114
<SEC-HEADER>0001839882-25-065519.hdr.sgml : 20251114
<ACCEPTANCE-DATETIME>20251114133835
ACCESSION NUMBER:		0001839882-25-065519
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20251114
DATE AS OF CHANGE:		20251114

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:		251484097

	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>ms12135_fwp-38021.htm
<DESCRIPTION>FREE WRITING PROSPECTUS TO PRELIMINARY PRICING SUPPLEMENT NO. 12,135
<TEXT>
<HTML>
    <HEAD>
        <TITLE></TITLE>
<!-- QES 7h3d0c70r 1763060118.3257792 -->
    </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: 635.88pt; border-collapse: collapse; ">
                        <TR>
                            <TD width="293.04pt" style="width: 293.04pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="312.84pt" style="width: 312.84pt; 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: 1.35; "><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 16.5pt; "><font style='white-space: pre-wrap;'>Structured Investments</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                                <P style="margin-top: 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. 12,135</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: 3.3pt; margin-bottom: 3.3pt; line-height: 1.35; text-align: right; "><FONT style="font-family: Arial, sans-serif; color: #A6A6A6; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 14, 2025</font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                    <DIV STYLE="background-color: #979797; padding: 3pt 12pt 3pt 6pt; width: 97%">
                    <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; padding-left: 2.92pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #BB0826; font-size: 12.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>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: 2.92pt; "><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 the Lowest Performing of the Class A Common Stock of Alphabet Inc., the Class A Common Stock of Meta Platforms, Inc. and the Common Stock of Amazon.com, Inc. due November 29, 2028</font></FONT></P>
                    <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; padding-left: 2.92pt; "><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: 6.6pt; margin-bottom: 3.3pt; line-height: 1.2; padding-left: 0pt; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Summary of terms</font></FONT></P>
                    <TABLE width="267.57pt" style="margin-left: 0pt; width: 267.57pt; 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="178.48pt" style="width: 178.48pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Underlying stocks</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Class A common stock of Alphabet Inc. (the &#8220;GOOGL Stock&#8221;), class A common stock of Meta Platforms, Inc. (the &#8220;META Stock&#8221;) and common stock of Amazon.com, Inc. (the &#8220;AMZN Stock&#8221;)</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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 24, 2025</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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 28, 2025</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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 stock closing price of the lowest performing underlying stock is greater than or equal to its starting price, the securities will be automatically called for the call payment on the call settlement date.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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 30 ,2026 </font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>$1,500 per security, which corresponds to a call premium of 50.00% of the face amount </font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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; line-height: 7.5pt; 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 price of the lowest performing underlying stock is greater than its starting price:</font></FONT></FONT></P>
                                <P style="margin-bottom: 1.5pt; line-height: 7.5pt; 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; stock return of the lowest performing underlying stock &#215; participation rate)</font></FONT></P>
                                <P style="margin-bottom: 1.5pt; line-height: 7.5pt; 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 price of the lowest performing underlying stock is equal to or less than its starting price but greater than or equal to its threshold price: </font></FONT></FONT></P>
                                <P style="margin-bottom: 1.5pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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 price of the lowest performing underlying stock is less than its threshold price:</font></FONT></FONT></P>
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; stock return of the lowest performing underlying stock)</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Stock 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; line-height: 7.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>For each underlying stock, </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>(ending price - starting price) / (starting price)</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Lowest performing underlying stock</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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 underlying stock with the lowest stock return</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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 29, 2028</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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 price</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>For each underlying stock, the stock closing price on the pricing date</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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 price</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>For each underlying stock, the stock closing price on the calculation day</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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 price</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>For each underlying stock, 65% of the starting price</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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 355%, to be determined on the pricing date</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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 24, 2028, subject to postponement for non-trading days and certain market disruption events.</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; padding-left: 2.97pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>61779TSY4</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; line-height: 7.5pt; 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: 6.6pt; margin-bottom: 3.3pt; line-height: 1.2; padding-left: 0pt; "><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; padding-left: 0.8pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">                            <IMG width="245.03pt" height="183.97pt" src="image1.gif" style="width: 245.03pt; height: 183.97pt; ">
                            </FONT></P>

<P style="margin-bottom: 6.6pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the securities are not automatically called prior to maturity and the ending price of ANY underlying stock is less than its threshold price, you will be exposed to the decline in the stock closing price of the lowest performing underlying stock. You may lose more than 35%, and possibly all, of your investment.</font></FONT></P>
                    <P style="margin-bottom: 6.6pt; line-height: 9.0pt; 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 $959.90, 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: 9.0pt; 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 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: 6.6pt; line-height: 9.0pt; margin-top: 0; word-break: break-all;"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Preliminary pricing supplement: </font></FONT><BR><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000183988225065501/ms12135_424b2-38020.htm">https://www.sec.gov/Archives/edgar/data/895421/000183988225065501/ms12135_424b2-38020.htm</A></font></FONT></P>
                    <P style="margin-bottom: 6.6pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><BR></FONT></P>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
                <DIV>
                    <P style="margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.33pt; padding-left: 0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>*subject to change</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.33pt; padding-left: 0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>** In addition, selected dealers may receive a fee of up to 0.30% for marketing and other services</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.33pt; padding-left: 0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The securities have complex features and investing in the securities involves risks not associated with an investment in ordinary debt securities.  See &#8220;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: 1.2; text-indent: 0.33pt; padding-left: 0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>This introductory term sheet does not provide all of the information that an investor should consider prior to making an investment decision. </font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.33pt; padding-left: 0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The securities are not deposits or savings accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency or instrumentality, nor are they obligations of, or guaranteed by, a bank.</font></FONT></P>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
                <DIV>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
            </DIV>
            <DIV style="width: 627.00pt; padding: 0 20.90pt 10.00pt 25.30pt; min-height: 39.60pt; position: relative; ">
                <P style="text-align: center; margin-bottom: 0.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.5pt; "><FONT></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="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 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; padding-left: 14.85pt; "><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: 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 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: 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;'>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: 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 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: 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 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: 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;'>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: 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;'>Investing in the securities is not equivalent to investing in the underlying stocks. </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;'>Reinvestment risk.</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 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: 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 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: 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 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: 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 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: 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;'>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: 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 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: 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;'>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: 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 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;'>Underlying Stock</font></U><U><font style='white-space: pre-wrap;'>s</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;'>You are exposed to the price risk of each underlying stock.</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;'>Because the securities are linked to the performance of the lowest performing underlying stock, you are exposed to greater risk of sustaining a loss on your investment than if the securities were linked to just one underlying stock.&#160;</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;'>No affiliation with Alphabet Inc., Meta Platforms, Inc. or Amazon.com, Inc.</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;'>We may engage in business with or involving Alphabet Inc., Meta Platforms, Inc. or Amazon.com, Inc. without regard to your interests. </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 antidilution adjustments the calculation agent is required to make do not cover every corporate event that could affect the underlying stocks.</font></FONT></FONT></P>
                    <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 closing prices of the underlying stocks should not be taken as an indication of the future performance of the underlying stocks 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 underlying stocks, 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) with the Securities and Exchange Commission, or SEC, for the offering to which this communication relates.  You should read the prospectus in that registration statement, the applicable product supplement and any other documents relating to this offering that Morgan Stanley and MSFL have filed with the SEC for more complete information about Morgan Stanley, MSFL and this offering.  You may get these documents without cost by visiting EDGAR on the SEC web site at</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 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 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>image1.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image1.gif
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M]^?GY^_O[^3M^.;K]>WR^_?W]_3X_/___P
M
M
M
M
M
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MMNW;N'/KWLV[M^_?P(,+'TZ\N/'CR),K7\Z\N?/GT*-+GTZ]NDT! +(#,&!
M.X "'[O^ QA@0**! -LABD\_$'OV\NVU@^=XGCU$]][G\Q0PP+K__^CEA]!Z
MV9&'D'O]M=5=@@*A!Q](#IHWWH,/!6 @00AB^)Y'XE'XT(*HB*=?3AW^9V)T
M(@J$W8@&67C>A0>!J.!X!$7(D84#N>@0CA?QYZ$!!-@(I(X)\6B1D0S)B!V#
M+2%I4(HL.0D5?O:Y1&5V+":IG8<7U<?E0U26AQ^,"678D'AD$N1E1O5M.1&:
M7[;V229TUFEG)H/DJ>>>?/;IYY]]LE'&H(06RL8G95890)8UDD?D@4P>)&5$
MD21"QZ689JKIIIQVZNFGGRJ"J)I(/JJ1D3[N&.E$IH98P)+^*A9@(T*31E1K
MC#S"^M*MJ CP8I.K0B6C3"#6Q^B BP+948D5#1OB=Q_2"&:: RT8IZT)SBI1
MJZXMPL46X(8K[KCDEFONN>BF2TJ,TE9(7JI%!MNH18F@8>^]^.:K[[[\]NOO
MO_:F,:I O^:8WGK@!>A=E6T>[%U__.%7WGH)$CB FR$&:&"8[:4)I(P$O C?
MF-P]C-Z[6*)R\LGKE:S= !JKO&&U-*[9Z\O<Q:PP /C)6B!\"*N8G<06QP@Q
MM#?S+)_&0$LL\W;NZ;<D 3\_3%7!)]VJ9+M:'AL3U@U>*ZF\M%8)4G?ZA:PR
MV652VYH7Z<8M]]QT@TO(0;H:1'+^QP; JZ;5\6T)^+,I+]0&P(@GKGCB:22B
MX<(SK_EQA.C-)Z.-1I[\; $@8O=@Y@86^QW:(1+ H-\$A^RY 0F'#NWE#$9(
M^LT^ET<DC]:6_N/#0-?\NNP!]%USY;0_>_3(OL]WJP#@#0NKL9L;WV!Z.LXN
M='\@\LH4V"5IG2O7"PF@-D[<+PJ1]@6A?C;X:V_K]FJGP%WW_/33O0C>2!=$
MNO..>NP[@_N#%I)(Y[F%N&%Q"$Q@ A7Q-R;-:D6N:I_T;@8T'H%N8HN27?Y0
MM3%H03 ^L?.8ZK[#O+5YZ(.H<MA\4'>[TQTL2]S3G[0*R#H*-JABYM-@@FAH
M/@GB#3[^1"J@!,\#G@]F+W0]%-K$J,<V5/SAB5",XA--81!*5.&*6,QB%?A@
M$%/808M@_(-!_&"#%8C !FA,(QJK0*I@$0B(!:*@>$(6M*=M9W -S-AVZB@S
MF$'.86Y:F7<DIK *CL<]+0O<RV08J> E#4$/*AK!Y',S/T*-/&WJC\(ZJ+0)
M/8Z2-2I<T=Y8+::Y*&:N(43]5LE*<K'A0/F#I7Y<I#[,!0N"2*(A^PJRB30H
M\)? W-<;2I''','H5X[$'=*$M,P08G  5PHAWVSXM^Q<4']TM% R+[0>"SHS
M>B9L%! !R)]><<E9-+,F#C4II@OA#D=76J'KE">O*R&M.^/^)%@.V=.Y>6+(
MG[RZPQ\7=@>#9&"@VB$ %0E2"81JQPD&H8)# 6"#8JK)=--#GIA>AST/DG!C
MK4L(@?9(HP_*K'9"W-I&_?B\E%G/A"VUG$?/Z:0>PLJ(_YMD$:EWR.U4SY/G
M$=GUBJ?/G3)*8?+49[8<UE%H8C*6K5D$H*9*U3\9XDY8S6I6.R'2F:5/0#<4
M:BCSJ4@<E6IA341%*3S!UK:Z]:UPC:M<YTK7NGKB26>E$'8P*D$!?$^F]#0F
M!E]EMAL:;*-Z_9W41&@[:44(@D0TK(J0*$^]NI-)*V)4#"&;1,^MD#WO/)[>
M5"A9O>E'I9(E(#\%Z,_X;#2D"0G^A11G^X>%$D2VM(7B)5:RV=4"U@ PPR1B
M-_<\VY$-;+I<[(.$F%(/7DB(H1TK/L$)6:AFK)$:I2YH=\C4<$XVNS6$%P]/
M^SKK&HR)2IRD:!?D(U^=B"3$JQ8T?W>Z_GFHA?%IGEDQ6]BK<4U;-J.<;S,:
MU@(344G?#&?NN@/!O+4*2,T[&-4:N]("VU!7IK)E)..;/BD]MEW,0B$.([Q#
M[BY1>84%+H4^'-CK3I#%E=30$BE<E1@R<Y;D(>S'DK9(IOGP25R+IV#EFUT7
M!W&[2OVG\$ZL7J*VL2 V;:TMA68UOQ$)F32VH?4ZUU\0]G6UHE6DV-[+)E'Z
M-#T.MN_^5YN:75@]:G;EI$J8"#2B.-N1884,G"7O6+4XEM5-%'/9>#3GX^G]
M;(3RR:3F(#G208,RSY"<+/XP-LD":4[2//;9>Q9),2I_9Y&1]K1^_]BP3I>Z
MTI^>H> *%.JH#*MO2VZRT+*YS/X>L:LCTM:0TTM4 CX7R1FK\[M:2SCSVBQC
MX$4:=)=Z7Q@]*K,6GNY+^=@QFL&VN3NU[+')#!*.*9I&._-D-0$0H"5:NJ?B
M'I-9'%G:OI1P(^ZUS;!<=#G[U+MW\HRR=X$,@+\E];NNE37E?MUB9SDHN44-
M7[LX..,F+YBOY;3R,34LM B?-HFC_:QQEVABXRV1WKKF=F[^'.3 M,:%Y*=R
MZFWL"53OG%"FR^WQ(GE\0I<K,G:45+<>-X140J[:L9#K-(^].N[\]6SF^"EW
ML35)R4+W:JD3\GF[KI18F].<E*@F]\^@)'+=+*EWH,P+RTXE[J[+&49VKLF[
M[^-LDYO][7"/^XX&3!.42R1RZ).[WO>^]X:9=U=E5\_.W,[WPAO^\(A/O.(7
MS_C&._[QD(^\Y"=/^<I;_O*8S[SF-\_YSGO^\Z /O>A'3_K2F_[TJ$^]ZE?/
M^M:[_O6PC[WL9T_[VMO^]KC/O>YWS_O>^_[WP ^^\(=/_.(;__C(3[[RE\_\
MYCO_^="/OO2G3_WJ6__ZV,^^]K?^7Q1/G(+[X ]_3DXAAS2H 13B3[_Z7W*(
M>[5A_?"/?TE*@:\TR/_^^.>((O!UB/S[__\3H0;XP@D Z&H<-EJ!5X"/MPGX
MX@8*^!1YPRZ<TT,Q]("&-P?XX@@6R!0F=2!J@R.1M8&)!PKY0DRX<0FVU745
M2#*CXR)=YA"FH %<)(+3L7_WTG^X(5!L]'8C!4<<!TDOZ!"7   [2(/1X4OW
M<E>W(5$9L%MOAT(D)36KU29>@PH4,%%%:(3.$0D-F!M5X 0IV'78)D31,SDH
M<RTZH$9JJ %$J(70(0?X$@EN>!0X15A2&&L@^'<+,819.(?)08+WD@8FZ(=$
MH2,%I$/^072&$\&'A+@<]7(OCM.(19%GGK8J5$@1C"B)QW$*^:*$L7$)5."$
MLY>)FE@<D( O;S ;?W   % )M4>*I3@<<'@O<A@; G4 8O2*;1B+P^$)]?=]
MKV$*.@  37A[L,B+O_&(]A*)KG$)!Z4#83B*NXB,OU$*2&@OH_ :E,"*!95[
MQTB-NW&*]Y**KH$'!'  ?K![WPB.N7% M.@:3P  %6 )O+>.[&@;OG@O:N :
MHD  .2 *O6>/]T@;[7<O##20:B&0" D;](<OZ+>0:*&0$-D:CH O<S"1$3F-
M&"D;[F@OFY :H4 )Q2>1&XD:G-"%J+&*!#"2&EF2KE&0]G+^D*8A4 ;0!RS9
MARZY&@UY+X,X&J80C_-H?"29DZ.AC&B @Z01"FQX P IE"U)E*G1D6CPD:1!
M"0@  ':0?$,)E9_!@/?B@*2!!P)P #:IE4_)E:6!@??2"*0A44&I?%N)EIL!
MB/<"C*'!!P#PC\P7EW*9&39H+T@9&J:0BWMYEGT)&@(8,)YXF%W!EXQ)&5SX
ME8_Y%8XYF9$QB_;R");9F(:YF9=!EV@@B)Y1"12@ ]17F9[)&(_H2XC@&7P0
M .AXFIV9FDA!"(5RF[B9F[JYF[S9F[Y)*%T0G,$I!K]9G,9YG,B9G,JYG,Q9
M*%EP!5A G,TYG=19G=9YG;EY-YO^@9JTR1.!T$K@&9[B.9[D69[F>9[HF9[J
MN9[L^4J:P9W=J1-AP)[T69_V>9_XF9_ZN9_\*2Y>L)VS&9]#80;]6: &>J (
MFJ *NJ#I(@8 BI,":A28@ 4,6J$6>J$8FJ$:.BY>D D/&J%+$0H   9:5:(F
M>J(HFJ):%0EDT*(M*@DJ&J,R.J,T6J,V>J,I^@4-( .,@*,^^J- &J1"FJ*:
MT!GP":(V40G1&!2/@(J:T0?=N'U'BJ1](96U2*54,:58"A.B< !Y8!3Y&#!;
M6A5:.J8M4:8M 9-H()-F"A5HVJ8I(0H&@ =%L9/V\I"240DW0)CI]Z:B@0)3
M<$4D *C^@EH3+2 %)# 1A%H%B;JHB7H9*@ %(' 1H6 437HO<D 9?%  !,"G
MXN>GD<$ ,2 %6,0#2< !",$ -,"HJ*"JK&H0BYI%0? !"2 2-! %'T 0HDJJ
M5V2JJ'H0KOJHP6H0#M $8!0%)E"K'^$ 3" $"H 5,!"H0K  !:$"/_ "4W "
M77$X]T*5D2%1%."*\ >JCP&HN"H0+3 %4?"K!Z$"K^JNCVH0KJJMJ# !JSJM
M"U&L] H1,["N!&&NN8H*Z>JO" &O V&P!]$"50 $M2H!2["PRMH1S.JL5]&O
M',  -3 $SRH0*J"QJ "H\1H1_4BG0^&5]@*6D"$*.4!133G^K@$*&L7JL0=+
ML.WZKJ]:L_N*"NXJLPBAKQ'ALP,1LQO+L31K$ BKLS=;$(#*L )!J!V0%PRP
M!/0*J$_[L5; KAD[M!!!KB8A"/C"IHUA"14  %2 ?US+&#60M*V*!.QJM#8;
MLM5:!3F+"FD[MP4!M \Q U50M0*1MG#+ &R;$$=[M$H[!4R+"L6ZMTH1M5K$
ML QPJ%<$!2(0L?(*N54@N1'[N+R*N0(!M,6:J,7*MT@+MPXQLD-AIVB0C8_1
M!P<@ #-X?V>K&,5:M (! Z@JJH%:!?B*L(0;MW,+J!J+NU>$KVF;18^Z DQP
M1<EJ$%D;M$U NZA@NZT: [F[NS?^V[L#L;3*&JM < ')FZC(J[S*ZJX+>P%%
M4 51$ ("2ZI1T 'DJ['%FZCDZZ_DV[WGF[[KB[Y\*P'-2JUW:ZQ9! 0/\+"3
M*K"&2[D#P;@%G*Y,J\ "X0('W*I2V[130 * "[=X:Q5_B0:" !E5  #AZG^Q
MFQC J[4%40/^B@)-P+"\J[8$X:YS.[L<@,*HJL),F\$&J[!S&[4\6\()0<,?
MN\(),+@N3,%,Z[V,:JXF@*U H+")JL/9.P68B[%5,*NH( %-H+%8[+%Z*ZQ
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MIUF:R)WQS@@A 440!3NP )"\S@7;SE&LQ3>=T\U+SV!DT)T+RT<-O0,A 4:
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M$HZ>=%)-@PGYSC08/&C2I1%"2 &P(A54[/0D+;TIP5Z7$QGZI9M.#*J !$
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M]<6GD#V_9%O'A=EI>EL).5J;.%O^EY3%K@2^SSTF>YT0!J0:J46)I:TM\_/
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M 3Q^!Q,N;#BE@0 ##!S>F+<QY,@J\U8!0*&29*ZA,G/N[)EK8@($ !!@;
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MP9I[;^?^$O<2[;(ONXTZ>K,%"5\Y#Q_\W!2G=!HT (/N/*RL#3!:.]0?3TF
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MO.4U[WG1FU[UKI>][77O>^$;7_G.E[[UM>]]\9M?_>Z7O_WU[W\!'& !#YC
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M7?/.UE3FL'-)X15>VT:FP!!T-VT 13&/(O-N#15>5??7N ],JK/[2I+[(G-
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EV;JMW?JMX3JNY7JNZ;JN[?JN\3JO]7JO^;JO_?JO 7L@ @( .P$!

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