<SEC-DOCUMENT>0001839882-25-069096.txt : 20251201
<SEC-HEADER>0001839882-25-069096.hdr.sgml : 20251201
<ACCEPTANCE-DATETIME>20251201172156
ACCESSION NUMBER:		0001839882-25-069096
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20251201
DATE AS OF CHANGE:		20251201

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:		251540803

	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>ms12362_fwp-40164.htm
<DESCRIPTION>FREE WRITING PROSPECTUS TO PRELIMINARY PRICING SUPPLEMENT NO. 12,362
<TEXT>
<HTML>
    <HEAD>
        <TITLE></TITLE>
<!-- QES 7h3d0c70r 1764361291.5540168 -->
    </HEAD>
    <BODY style="text-decoration-skip-ink: none; ">
        <DIV style="margin: auto; width: 871.20pt; padding: 36pt 0; ">
            <DIV style="width: 792.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <DIV style="position: absolute; width: 300.14pt; height: 36.03pt; z-index: 251657728; left: 531.85pt; top: 16.17pt; ">
                    <P style="line-height: 1.1; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Free Writing Prospectus to Preliminary Pricing Supplement No. 12,362</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: 8.0pt; "><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: 8.0pt; "><font style='white-space: pre-wrap;'>Dated December 1, 2025; Filed pursuant to Rule 433</font></FONT></P>
                </DIV>
                <P style="border-bottom:  0.50pt solid black; padding-left: 0.0pt; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="color: #595959; font-size: 18.0pt; 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><FONT style="color: #595959; font-size: 20.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "><font style='white-space: pre-wrap;'> </font></FONT></P>
            </DIV>
            <DIV style="width: 792.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <DIV>
                    <P style="margin-top: 6.6pt; line-height: 18.0pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: black; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>SX5E</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: 20.0pt; "><font style='white-space: pre-wrap;'> Market-Linked Notes due December 23, 2030</font></FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 11.0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: black; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>This document provides a summary of the terms of the notes.  Investors must carefully review the accompanying preliminary pricing supplement referenced below, product supplement, index supplement and prospectus, and the &#8220;Risk Considerations&#8221; on the following page, prior to making an investment decision.</font></FONT></P>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
                <DIV style="width: 375.20pt; float: left; ">
                    <TABLE width="388.08pt" style="margin-left: 0.0pt; width: 388.08pt; table-layout: fixed; border-collapse: collapse; ">
                        <TR>
                            <TD width="142.56pt" style="width: 142.56pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="245.52pt" style="width: 245.52pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; background-color: #296DC1; vertical-align: middle; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 20.0pt; "><FONT style="width: 222.75pt; height: 20.62pt; ">
                                            </FONT><font style='white-space: pre-wrap;'>Terms</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <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: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Issuer:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <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: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Guarantor:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <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: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Underlier:</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: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>EURO STOXX 50</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 11pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'> Index&#8236; (SX5E)</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <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: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Participation rate:</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: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>100% to 110% </font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <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: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><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; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>December 18, 2025</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <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: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Observation date:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>December 18, 2030</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <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: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Maturity date:</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>December 23, 2030</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <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: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>CUSIP:</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: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>61779T3A3</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <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: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Estimated value:</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: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>$943.20 per note, or within $55.00 of that estimate</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 1.10pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; 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; background-color: #D9D9D9; ">
                                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 13.0pt; "><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-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-top: 6.6pt; margin-bottom: 6.6pt; line-height: 19.0pt; word-break: break-all; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 13.0pt; "><font style='white-space: pre-wrap;'><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000183988225068792/ms12362_424b2-40163.htm">https://www.sec.gov/Archives/edgar/data/895421/000183988225068792/ms12362_424b2-40163.htm</A></font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                    <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>1</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>All payments are subject to our credit risk </font></FONT></P>
                </DIV>
                <DIV style="width: 39.60pt; float: left; ">
                    <P>&nbsp;</P>
                </DIV>
                <DIV style="width: 375.20pt; float: left; ">
                    <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Payment at Maturity</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 12pt; vertical-align: super; "><font style='white-space: pre-wrap;'>1</font></FONT></P>
                    <P style="line-height: 10.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The payoff diagram and table below illustrate the payment at maturity for a range of hypothetical performances of the underlier over the term of the notes.</font></FONT></P>
                    <P style="margin-bottom: 6.6pt; text-align: center; margin-top: 0; "><IMG SRC="image_001.jpg" ALT=""><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 style="float: left; padding-top: 0.65pt; ">
                        <TABLE width="348.48pt" style="margin-left: 20.0pt; width: 348.48pt; table-layout: fixed; border-collapse: collapse; ">
                            <TR>
                                <TD width="173.53pt" style="width: 173.53pt; border: 0; margin: 0; padding: 0; height: 0; ">
                                </TD>
                                <TD width="174.95pt" style="width: 174.95pt; 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; background-color: #296DC1; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>% Change in Closing Level of the Underlier</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; background-color: #296DC1; vertical-align: middle; ">
                                    <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Payment at Maturity per Note</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; background-color: #FFFFFF; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>+60.00%</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; background-color: #FFFFFF; vertical-align: bottom; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,600.00*</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; background-color: #D0CECE; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>+40.00%</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; background-color: #D0CECE; vertical-align: bottom; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,400.00*</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; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>+20.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; vertical-align: bottom; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,200.00* </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; background-color: #D9D9D9; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00%</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; background-color: #D9D9D9; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</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; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-20.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</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; background-color: #D9D9D9; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-40.00%</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; background-color: #D9D9D9; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</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; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-60.00%</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</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; background-color: #D9D9D9; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-80.00%</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; background-color: #D9D9D9; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</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; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-100.00%</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; vertical-align: middle; ">
                                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                                </TD>
                            </TR>
                        </TABLE>
			<P STYLE="text-align: center; "><IMG width="222.75pt" height="20.62pt" src="image1.gif" style="width: 222.75pt; height: 20.62pt; "></p>
                    </DIV>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
            </DIV>
            <DIV style="width: 792.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
            </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; ">
            </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: 8.0pt; "><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: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Underlier(s)</font></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>For more information about the underlier(s), including historical performance information, see the accompanying preliminary pricing supplement.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Risk Considerations</font></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; "><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: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to an Investment in the </font></U><U><font style='white-space: pre-wrap;'>Notes</font></U></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes may not pay more than the stated principal amount at maturity.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes do not pay interest.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The amount payable on the notes is not linked to the value of the underlier at any time other than the observation date.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The market price of the notes may be influenced by many unpredictable factors.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes 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 notes.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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 notes in the original issue price reduce the economic terms of the notes, cause the estimated value of the notes to be less than the original issue price and will adversely affect secondary market prices.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The estimated value of the notes is determined by reference to our pricing and valuation models, which may differ from those of other dealers and is not a maximum or minimum secondary market price.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes will not be listed on any securities exchange and secondary trading may be limited.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>As discussed in more detail in the accompanying product supplement, investing in the notes is not equivalent to investing in the underlier(s).</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You may be required to recognize taxable income on the notes prior to maturity.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to the </font></U><U><font style='white-space: pre-wrap;'>Underlier(s)</font></U></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because your return on the notes will depend upon the performance of the underlier(s), the notes are subject to the following risk(s), as discussed in more detail in the accompanying product supplement.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 44.55pt; text-indent: -24.75pt; "><!--[if IE]<FONT style="display: inline-block; width: 24.75pt; text-indent: -24.75pt; "><![endif]--><FONT style="display: inline-block; width: 24.75pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Adjustments to an underlying index could adversely affect the value of the notes.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 79.20pt; text-indent: -59.40pt; "><!--[if IE]<FONT style="display: inline-block; width: 59.40pt; text-indent: -59.40pt; "><![endif]--><FONT style="display: inline-block; width: 59.40pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>There are risks associated with investments in securities linked to the value of foreign equity securities.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to Conflicts of Interest</font></U></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The calculation agent, which is a subsidiary of Morgan Stanley and an affiliate of MSFL, will make determinations with respect to the notes.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; text-align: left; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #296DC1; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hedging and trading activity by our affiliates could potentially adversely affect the value of the notes.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Tax Considerations</font></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You should review carefully the discussion in the accompanying preliminary pricing supplement under the caption &#8220;Additional Information About the Notes&#8211;United States federal income tax considerations&#8221; concerning the U.S. federal income tax consequences of an investment in the notes, and you should consult your tax adviser.</font></FONT></P>
            </DIV>
            <DIV style="width: 792.00pt; padding: 0 39.60pt 18.21pt 39.60pt; min-height: 21.40pt; position: relative; ">
                <P style="margin-top: 13.2pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
    </BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>image1.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image1.gif
M1TE&.#EAH -6 /4_     #H  #HZ    .@ Z.CHZ.F8  &8Z &8Z.F9F.@
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MRIQ)LZ;-FSASZMS)LZ?^SY] @PKUYB(  !-.>#P P'3 C90P0AB!P'3$%:H
MK+:)>@2KUDM<\_"08!3   8TIL@PH"!'DQ4(F )@4.-M7*9TD_"P(*!I"!]+
MUII].G1/4:=.*LAEBM0D#PI9BRAE;&7R43:/(TM>>ME2YJ]V+"]N#(4'50V
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M?-B9^1%*BD)(8LOHR)LQ>A$&9BP"&H>P1BT.+FC+"]V6XOB#%PPJC+<90 B
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/HSS:HS[ZHT :I X1!  [

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>image_001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" %& ;$# 2(  A$! Q$!_\0
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MK8$=TT3,PQU'ENXQ]2#[5GRZ]J4<SHOA'6I55B!(DMGM<>HS< X/N : )_\
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MAN>1@JC]U)U)K-NM.^'U]=275W9^&+BXE;=)++%;N[GU)(R30!T7]IV'_/\
M6W_?U?\ &C^T[#_G^MO^_J_XUS']B?#;_H%^$_\ P'MO\*/[$^&W_0+\)_\
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MQ;->:->6RQ-*98638L@0MD8P&((!^O%<"_A_58;6-[#0;JU'E30Q6]O>+;F
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M_P!%25K5S6HZ-9VFI:--%]HW_;A]^ZE<?ZJ3LS$5TM(84444 %%%% !1110
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M-,VOG?#OW*$^50#, 2!D#JQPQU/#BZ\NNP?VM>ZC<(EM(H>6V2-'8K"WS;$
M!!+@=.A')!JHJQ,G>_G_ %_7HSM****DH**** "BBB@ HHHH **** "BBB@
MHJO?7UIIEE+>WUQ%;VT*[I)96"JH]R:XQ6U;X@MD?:=)\*-]8[K4E_G%$?P9
MAZ T 6+_ ,2:CXAOIM&\(%,1,8[S69%W06Q[K&.DLGM]U>_I6YX?\-V'ARS>
M&T$DDTS>9<W4[;YKA^[.W<_H.P%:%E96NG6<5G96\=O;0J$CBC4*J@=@!4]
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MXVG_ )Z'@C[H.=PT=/GNKVWDEO+,6R2']W"[;GV8_C'0$^@SCUJ\    , 4
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MO&V/^6##./\ :7OC^M6ZJ,/^)PAQ_P N[#./]I?;^M %NBBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@#)UK_C[T;_K_'_HJ2M:LG6O^/O1O^O\?^BI*UJ "BBB@ HHHH *
M*@O+J.RM)+F42,D8R5CC+L?8* 23["LNRMM1U.YAU#5 ]I'&=T&GI(#M/9I6
M4X9O]D$J/]H@$ $VHVNHZC<&T28V>G[099HG_?2YZHI_@'JW7GC'6K]I:6]C
M:QVUK"D,$8PJ(, 5-10 4444 %%%% !1110 4444 %%%% !1110 548?\3=#
M_P!,&[?[2^W]?PJW51A_Q.$./^7=N<?[2^W]: +=%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5GZYK$
M&@:-<ZI<QRR0VZ[F2$ L><<9('?J2![UH50UO3/[9T:ZT[[5-:F>,H)H3AD/
MKZ$>H/!'%)C5KZF7<>+H[9PCZ1J>YXT:+"Q8E=B@\M3YF"09%RV=G7#'!J72
MO%5MJ]^MK#97D89-PFE$>S<%5C'PY.X!QGC'7!-4T\#Q1@K'K>J(@BBCB0"
MB$QE65DS$2#N7)!)4Y/'3%S2_"EKI5[]HCN[N9?+V^1,8RFXJJL_" [B$&><
M=< 56A.MOZ_K^O0L:U_Q]Z-_U_C_ -%25K5RESX8\/Z1JFC7.FZ'IEE<?;=O
MFVUI'&V#%)D94 XKJZ0PHHHH *S-3U@6<BVEK";S49!F.V0XP/[SM_ GN?H
M3Q1%K N]5^R6,!N(8BPN;H-B.)@/N _QMGJ!P.<G. ;T=M!#---'#&DL[!I7
M50"Y  !)[X  _"@!EC'=QVB"]FCFN#DNT:;5&>P'7 Z<\U8HHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "JC ?VO&<#/D-_Z$M6ZJ-C^UT]?(;_T)
M: +=%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% &3K7_'WHW_7^/_14E:U9.M?\?>C?]?X_
M]%25JEE#!2P#-T&>30 R>>&UMY+BXE2*&-2SR.P55 ZDD]!521(-=TD!9;F*
MWN #N3="[+GIT# $>F#@\$5!+H[7^HFXU.99[>)PUM:*N(U(Z._]]L\C/ XP
M,C-:U $-K:V]C:16MI!'!;PJ$CBC4*J*.@ '05-110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !51B/[7C&1GR&_]"6K=5&/_ !.$&?\ EW;C
M/^TOO_2@"W1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% '$>,/$-[H_B+3H+>_9$EMYF%G'&FZ5P
M#M8EE.5'<*01U.0:U_"&H/J.CR3'4_[4B69EBO/W?[Y< ]8P%.&++P.WK6\8
MT9U=D4NF=K$<C/7%#NL:,[L%11EF8X 'J:%HM0>K5CC_ !+KE_'_ &4UKX?O
MWG%Z-BR[ I/E2=2K,<=^ >E6=-<6TYOKVQU*[U-UVM<-;8"+UV1KGY%Z<=3@
M9)-:%_J6A-=0+=:O90S6@^W;&N44B/:5WD$_<PQYZ>]6X-9TNZ95M]2LYF9$
MD41SJQ*.<*PP>A/ />@"'^V_^H9J7_@/_P#7H_MO_J&:E_X#_P#UZU** ,O^
MV_\ J&:E_P" _P#]>H8?$<5P\RQZ=J1,+^6_^C]&P#CKZ$5I7M_9Z;:M=7]W
M!:VZD!I9Y B#)P,D\=:SHM3T+3KK45;6+))C(L]RDER@,6Y55<C.5!PN,]2:
M )?[;_ZAFI?^ _\ ]>C^V_\ J&:E_P" _P#]>M*.2.52T;JX!*DJ<\@X(_.G
M4 9?]M_]0S4O_ ?_ .O4-SXCCM(&FFTW4EC7&3]G]3CUK:K*U>^T<QS:?J&J
M6ML_E>?(CW"(ZQ*1ER">%R.O2@!?[;_ZAFI?^ __ ->C^V_^H9J7_@/_ /7J
M:'6=+N&C6'4K.0R1K,@2=3NC8X5A@\J3P#T)J]0!E_VW_P!0S4O_  '_ /KT
M?VW_ -0S4O\ P'_^O6I10!BQ>(XIIIXDT[4B\#!9!]GZ$@,._H14W]M_]0S4
MO_ ?_P"O2"\TC3;^9I=3MHI[ZX"".6=%+2A%78HZDX ..3S5RUU"ROD#V=W;
MW"G.##(''!P>A[$$?6@"I_;?_4,U+_P'_P#KT?VW_P!0S4O_  '_ /KUJ44
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M!-:L26!OI0UU'\D;8^<\\)TY/'O0!-_;?_4,U+_P'_\ KT?VW_U#-2_\!_\
MZ]:$4\,ZEH94D4=2C CH#V]B#^-24 9?]M_]0S4O_ ?_ .O4-QXDBM41I=.U
M)0\BQC_1_P")C@#KZFMJLG5;W1R_V6^U2UMY;;9>O&]PB,J(P(=@3PF1R>GO
M0 [^V_\ J&:E_P" _P#]>C^V_P#J&:E_X#__ %ZFAUG2[AHUAU*SD,D:S($G
M4[HV.%88/*D\ ]":O4 9?]M_]0S4O_ ?_P"O1_;?_4,U+_P'_P#KUJ52FUC3
M+:6*.?4K.*2:4PQK).JEY!_  3RWMUH ;8:K%?W$]NL%Q#+ J,ZSQ[>&S@C_
M +Y-7ZQK74]"DOI+VVUBRE>Z9;7"7*,IDCW'8,'[V&.1UXK71TEC62-E=& *
MLIR"/4&@!U%%% !1110 4444 %9^IZ8VHI(C7+^0\+Q-:,D9BD)'!;*EN/8@
M>QK0HI-75AIV.'O/"VLR3((!8-'"(IT9[AU9Y4C5/+($9PAVYW9)_P!FFS>#
M=32.VO=.EM;75U)>5_-9X]S/D@!D(P 2,[ 6POW< CNJ*J^MR;?U_7H SCGK
M1112&<[XGT&\UB _9[R5U&/]">?[/&2,_,)8T,J-SV)! QCDFLH>#KRXEGBO
MTLY;987$#)/(C22,(OO!5&Q08NS'(;&!T/;T4+0#$\,Z;J6DV4]KJ%U'<(LQ
M^S% ,B/MG"KSG)/7G^(YXVZ**!)6$(R" 2,]QVKB+OPEK2ZA<7%OJ+7GF!',
MEY=LGFLA!$;11QB-1E0?,"[NV#R:[BBCK<?2QP]WX.U%K6UN[&2VMM9C#,\G
MG,T88R;MH#(5P-S?,4S\J\>G;(&$:AR"^!N(& 33J*/(5@JM?VT]U:F.WOIK
M*3((EA5&/'8AU88/?C/H15FB@9P-OX.UVVD59;K3+Q9)F,\JH]N0K-"S.%^?
M<Y,39&5'S9SVK4T?PU?:)XA::SFACTB1&#VQ<NX(/R?,REB.<_> 7)&",%>J
MHIW ***X:+QGJ%GXF72=<@M[0/<,$>.-I-T3';"/D9MI9L_,VT87D D4EJ[
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MGT;3I4&,*]JC#[Q;N/[Q)^I)HHH 9<^&M'N+":T6PM[=)49-]O&L;IE/+RK
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(H **** /_]D!

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