<SEC-DOCUMENT>0001839882-25-067545.txt : 20251125
<SEC-HEADER>0001839882-25-067545.hdr.sgml : 20251125
<ACCEPTANCE-DATETIME>20251125164449
ACCESSION NUMBER:		0001839882-25-067545
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20251125
DATE AS OF CHANGE:		20251125

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:		251522169

	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>ms12379_fwp-39382.htm
<DESCRIPTION>FREE WRITING PROSPECTUS TO PRELIMINARY PRICING SUPPLEMENT NO. 12,379
<TEXT>
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                    <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. 12,379</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 25, 2025; Filed pursuant to Rule 433</font></FONT></P>
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                <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>
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                    <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;'>2</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;'>-Year IBIT 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>
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                                <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>
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                                <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>
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                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
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                                <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>
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                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
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                            <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>
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                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 1, 2027</font></FONT></P>
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                            <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 shares:</font></FONT></P>
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                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>iShares&#174; Bitcoin Trust ETF (&#8220;IBIT&#8221;)</font></FONT></P>
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                                <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>
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                            <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: 0.0pt; 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: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the final share price is greater than or equal to the initial share price:</font></FONT></FONT></P>
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; padding-left: 43.62pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000 + the upside payment</font></FONT></P>
                                <P style="margin-top: 0.0pt; 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: 8.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the final share price is less than the initial share price:</font></FONT></FONT></P>
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; padding-left: 43.62pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><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: 8.0pt; "><font style='white-space: pre-wrap;'>Under these circumstances, the payment at maturity will be less than the stated principal amount of $1,000, and will represent a loss of some, and possibly all, of your investment.</font></FONT></P>
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                                <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>
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                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$762 per security (76.20% of the stated principal amount)</font></FONT></P>
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                            <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;'>Share performance factor:</font></FONT></P>
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                            <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: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>final share price / initial share price</font></FONT></P>
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                                <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>
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                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The closing price of the underlying shares on the pricing date</font></FONT></P>
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                                <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>
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                            <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: 8.0pt; "><font style='white-space: pre-wrap;'>The closing price of the underlying shares on the valuation date </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>times</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> the adjustment factor on such date</font></FONT></P>
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                                <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>
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                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 26, 2027, subject to postponement for non-trading days and certain market disruption events</font></FONT></P>
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                            <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>
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                            <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: 8.0pt; "><font style='white-space: pre-wrap;'>1.0, subject to adjustment in the event of certain corporate events affecting the underlying shares</font></FONT></P>
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                        <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: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000 per </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><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: 8.0pt; width: 188.10pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></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: 8.0pt; "><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: 8.0pt; "><font style='white-space: pre-wrap;'>November 25, 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;'>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; vertical-align: middle; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 1, 2025 (3 business days after 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;'>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; background-color: #DCEBF4; vertical-align: middle; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>61779T3U9 / US61779T3U98</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; 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; vertical-align: middle; ">
                                <P style="margin-top: 0; margin-bottom: 0; word-break: break-all; "><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/895421/000183988225067288/ms12379_424b2-39381.htm">https://www.sec.gov/Archives/edgar/data/895421/000183988225067288/ms12379_424b2-39381.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="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;'>&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; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; "><font style='white-space: pre-wrap;'><IMG SRC="image_001.jpg" ALT="">&nbsp;</font></FONT></P>
                    <TABLE width="361.35pt" style="margin-left: 10pt; 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: 10.5pt; "><font style='white-space: pre-wrap;'>Change in Underlying Shares</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: 10.5pt; "><font style='white-space: pre-wrap;'>Payment at Maturity </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="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; ">
                                <P style="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;'>$1,762.00</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: #CECECE; vertical-align: middle; ">
                                <P style="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: #CECECE; ">
                                <P style="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;'>$1,762.00</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; vertical-align: middle; ">
                                <P style="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; ">
                                <P style="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;'>$1,762.00</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: #CECECE; vertical-align: middle; ">
                                <P style="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: #CECECE; ">
                                <P style="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;'>$1,762.00</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; vertical-align: middle; ">
                                <P style="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; ">
                                <P style="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;'>$1,762.00</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: #CECECE; vertical-align: middle; ">
                                <P style="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: #CECECE; vertical-align: middle; ">
                                <P style="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;'>$800.00</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; vertical-align: middle; ">
                                <P style="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; vertical-align: middle; ">
                                <P style="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;'>$700.00</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: #CECECE; vertical-align: middle; ">
                                <P style="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: #CECECE; vertical-align: middle; ">
                                <P style="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;'>$600.00</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; vertical-align: middle; ">
                                <P style="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;'>-50.00%</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="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;'>$500.00</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: #CECECE; vertical-align: middle; ">
                                <P style="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: #CECECE; vertical-align: middle; ">
                                <P style="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;'>$400.00</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-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                                <P style="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-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; vertical-align: middle; ">
                                <P style="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;'>$200.00</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: 6.6pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><FONT STYLE="line-height: 12pt; white-space: pre-wrap">Underlying Shares</font></FONT></P>
                <P STYLE="margin-top: 0pt; line-height: 12pt; margin-bottom: 0"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif"><FONT STYLE="line-height: 12pt; white-space: pre-wrap">For more information about the underlying shares, including historical performance information, see the accompanying preliminary pricing supplement.</font></FONT></P>
                <P style="margin-top: 6.6pt; 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 </font></U><U><font style='white-space: pre-wrap;'>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; line-height: 9.0pt; 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; line-height: 12pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; 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; line-height: 12pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; 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; line-height: 12pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; white-space: pre-wrap">The securities may be accelerated at our option if a discontinuance or liquidation event occurs</font></FONT></FONT></P>
                <P STYLE="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 12pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; 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; line-height: 12pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; 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; line-height: 12pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; white-space: pre-wrap">Not equivalent to investing in the underlying shares or their underlying asset.</font></FONT></FONT></P>
                <P STYLE="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 12pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; white-space: pre-wrap">The amount payable on the securities is not linked to the value of the underlying shares at any time other than the valuation date.</font></FONT></FONT></P>
                <P STYLE="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 12pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; 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; line-height: 12pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; 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="font: 10pt/12pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; font-size: 10pt; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 10pt">The estimated value of the securities is $969.90 per security, or within $25.00 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="font: 10pt/12pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; font-size: 10pt; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 10pt">The securities will not be listed on any securities exchange and secondary trading may be limited.   </font></FONT></FONT></P>
                <P STYLE="font: 10pt/12pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; font-size: 10pt; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 10pt">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="font: 10pt/12pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; font-size: 10pt; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 10pt">Hedging and trading activity by our affiliates could potentially adversely affect the value of the securities.</font></FONT></FONT></P>
                <P STYLE="font: 10pt/12pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; font-size: 10pt; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="line-height: 12pt; font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 10pt">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; line-height: 1.2; margin-bottom: 0; "><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;'>Shares</font></U></FONT></P>
                <P style="margin-top: 1.1pt; text-align: left; margin-bottom: 0; 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="line-height: 12pt; margin-top: 1.1pt; text-align: left; margin-bottom: 0; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; white-space: pre-wrap">The securities are subject to risks associated with bitcoin and digital assets.</font></FONT></FONT></P>
                <P STYLE="line-height: 12pt; margin-top: 1.1pt; text-align: left; margin-bottom: 0; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; white-space: pre-wrap">Investments linked to bitcoin are subject to specific risks relating to fraud and manipulation.</font></FONT></FONT></P>
                <P STYLE="line-height: 12pt; margin-top: 1.1pt; text-align: left; margin-bottom: 0; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; white-space: pre-wrap">The underlying shares has very limited historical performance.</font></FONT></FONT></P>
                <P STYLE="line-height: 12pt; margin-top: 1.1pt; text-align: left; margin-bottom: 0; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; white-space: pre-wrap">The performance and market price of the underlying shares, particularly during periods of market volatility, may not correlate with the performance of its underlying asset or the net asset value per share of the underlying shares.</font></FONT></FONT></P>
                <P STYLE="line-height: 12pt; margin-top: 1.1pt; text-align: left; margin-bottom: 0; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="line-height: 12pt; display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10pt">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="line-height: 12pt"><FONT STYLE="line-height: 12pt; font-family: Arial, sans-serif; font-size: 10pt"><FONT STYLE="line-height: 12pt; white-space: pre-wrap">The antidilution adjustments the calculation agent is required to make do not cover every event that could affect the underlying shares.</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;'>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-size: 10pt; "><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>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
