<SEC-DOCUMENT>0001839882-25-070647.txt : 20251211
<SEC-HEADER>0001839882-25-070647.hdr.sgml : 20251211
<ACCEPTANCE-DATETIME>20251211150055
ACCESSION NUMBER:		0001839882-25-070647
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20251211
DATE AS OF CHANGE:		20251211

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:		251564644

	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>ms12656_fwp-41441.htm
<DESCRIPTION>FREE WRITING PROSPECTUS TO PRELIMINARY PRICING SUPPLEMENT NO. 12,656
<TEXT>
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                                <P style="margin-bottom: 11.0pt; line-height: 1.35; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "></FONT><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 20.0pt; "><font style='white-space: pre-wrap;'> Stanley Finance LLC</font><BR></FONT><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Structured Investments</font></FONT></P>
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                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.1; text-align: right; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #A6A6A6; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Free Writing Prospectus to Preliminary Pricing Supplement No. 12,656</font></FONT></P>
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.1; text-align: right; "><FONT style="font-family: Arial, sans-serif; color: #A6A6A6; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Filed pursuant to Rule 433</font></FONT></P>
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.1; text-align: right; "><FONT style="font-family: Arial, sans-serif; color: #A6A6A6; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Registration Statement Nos.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #A6A6A6; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>333-275587; 333-275587-01</font></FONT></P>
                                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.1; text-align: right; "><FONT style="font-family: Arial, sans-serif; color: #A6A6A6; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 11, 2025</font></FONT></P>
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                    <DIV STYLE="background-color: #979797; padding: 3pt 12pt 3pt 6pt; width: 97%">
                    <P STYLE="margin-left: -5pt; margin-bottom: 0pt; line-height: 10pt; padding-left: 7.92pt; margin-top: 0pt"><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Downside</font></FONT></P>
                    <P STYLE="margin-left: -5pt; margin-bottom: 0pt; line-height: 10pt; padding-left: 7.92pt; margin-top: 0pt"><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 8pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'> Index, the Common Stock of Amazon.com, Inc. and the Nasdaq-100 Index</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 8pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'> due December 20, 2029</font></FONT></P>
                    <P STYLE="margin-left: -7pt; margin-bottom: 0pt; line-height: 10pt; padding-left: 7.92pt; margin-top: 0pt"><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fully and Unconditionally Guaranteed by Morgan Stanley</font></FONT></P>
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                <DIV style="width: 292.70pt; float: left; ">
                    <P style="margin-top: 3.3pt; margin-bottom: 0.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Summary of terms</font></FONT></P>
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                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Issuer and guarantor</font></FONT></P>
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                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC (issuer) and Morgan Stanley (guarantor)</font></FONT></P>
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                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Underlyings:</font></FONT></P>
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                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> Index (the &#8220;SPX Index&#8221;), the common stock of Amazon.com, Inc. (the &#8220;AMZN Stock&#8221;) and the Nasdaq-100 Index</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> (the &#8220;NDX Index&#8221;)</font></FONT></P>
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                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Pricing date*</font></FONT></P>
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                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>December 16, 2025</font></FONT></P>
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                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Original issue date*</font></FONT></P>
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                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>December 19, 2025</font></FONT></P>
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                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Face amount</font></FONT></P>
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                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000 per security</font></FONT></P>
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                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Automatic call </font></FONT></P>
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                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>If, on any calculation day, beginning on</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>December 21, 2026, the closing level of each underlying is greater than or equal to its respective starting level, the securities will be automatically called for the applicable call payment on the related call settlement date.</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 1.10pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Calculation days* and call premiums</font></FONT></P>
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                                    <DIV width="231.00pt" style="margin-left: 0.94pt; width: 100%; border-collapse: collapse; display: table; ">
                                        <DIV style="display: table-row; ">
                                            <DIV width="93.50pt" style="width: 93.50pt; border: 0; margin: 0; padding: 0; height: 0; display: table-cell; ">
                                            </DIV>
                                            <DIV width="137.50pt" style="width: 137.50pt; border: 0; margin: 0; padding: 0; height: 0; display: table-cell; ">
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 3.08pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; margin-bottom: -5.0pt; border-top:  0.50pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P STYLE="margin-bottom: 0pt; line-height: 6pt; margin-top: 0pt"><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Calculation Day</font></FONT></P>
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                                            <DIV 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:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Call Premium&#8224;</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P STYLE="margin-bottom: 0pt; line-height: 6pt; margin-top: 0pt"><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>December 21, 2026</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 14.50% of the face amount</font></FONT></P>
                                            </DIV>
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                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>January 19, 2027</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 15.708% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>February 19, 2027</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 16.917% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>March 19, 2027</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 18.125% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>April 19, 2027</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 19.333% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>May 19, 2027</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 20.542% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>June 21, 2027</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 21.75% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>July 19, 2027</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 22.958% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>August 19, 2027</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 24.167% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>September 20, 2027</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 25.375% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>October 19, 2027</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 26.583% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>November 19, 2027</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 27.792% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>December 20, 2027</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 29.00% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>January 19, 2028</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 30.208% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>February 22, 2028</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 31.417% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>March 20, 2028</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 32.625% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>April 19, 2028</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 33.833% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>May 19, 2028</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 35.042% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>June 20, 2028</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 36.25% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>July 19, 2028</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 37.458% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>August 21, 2028</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 38.667% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>September 19, 2028</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 39.875% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>October 19, 2028</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 41.083% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>November 20, 2028</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 42.292% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>December 19, 2028</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 43.50% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>January 19, 2029</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 44.708% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>February 20, 2029</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 45.917% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>March 19, 2029</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 47.125% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>April 19, 2029</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 48.333% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>May 21, 2029</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 49.542% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>June 20, 2029</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 50.75% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>July 19, 2029</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 51.958% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>August 20, 2029</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 53.167% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>September 19, 2029</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 54.375% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>October 19, 2029</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 55.583% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>November 19, 2029</font></FONT></P>
                                            </DIV>
                                            <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.75pt solid black; border-bottom:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: bottom; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 56.792% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                        <DIV style="vertical-align: top; min-height: 1.10pt; display: table-row; ">
                                            <DIV 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:  0.75pt solid black; border-left:  0.50pt solid black; border-right:  0.75pt solid black; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>December 17, 2029 (the &#8220;final calculation day&#8221;)</font></FONT></P>
                                            </DIV>
                                            <DIV 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:  0.75pt solid black; border-right:  0.50pt solid black; border-left:  0.75pt solid black; vertical-align: middle; display: table-cell; ">
                                                <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>At least 58.00% of the face amount</font></FONT></P>
                                            </DIV>
                                        </DIV>
                                    </DIV>
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>&#8224;to be determined on the pricing date</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Call settlement dates</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Three business days after the applicable calculation day; provided that the call settlement date for the final calculation day is the maturity date.</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; min-height: 39.27pt; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Maturity payment amount (per security)</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 1.5pt; line-height: 6.0pt; margin-top: 0; margin-left: 8.25pt; text-indent: -8.25pt; "><!--[if IE]<FONT style="display: inline-block; width: 8.25pt; text-indent: -8.25pt; "><![endif]--><FONT style="display: inline-block; width: 8.25pt; text-indent: 0; text-align: left; font-size: 6.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>if the ending level of any underlying is less than its respective starting level but the ending level of each underlying is greater than or equal to its respective threshold level:</font></FONT></FONT></P>
                                    <P style="margin-bottom: 1.5pt; line-height: 6.0pt; padding-left: 19.8pt; margin-top: 1.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000; or</font></FONT></P>
                                    <P style="margin-bottom: 1.5pt; line-height: 6.0pt; margin-top: 1.5pt; margin-left: 8.25pt; text-indent: -8.25pt; "><!--[if IE]<FONT style="display: inline-block; width: 8.25pt; text-indent: -8.25pt; "><![endif]--><FONT style="display: inline-block; width: 8.25pt; text-indent: 0; text-align: left; font-size: 6.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>if the ending level of any underlying is less than its respective threshold level:</font></FONT></FONT></P>
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; padding-left: 19.8pt; margin-top: 1.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; performance factor of the lowest performing underlying </font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Maturity date*</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>December 20, 2029</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Starting level</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>For each underlying, the closing level or closing price on the pricing date, as applicable.</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Ending level</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>With respect to each of the SPX Index and the NDX Index, the closing level on the final calculation day.</font></FONT></P>
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>With respect to the AMZN Stock, the closing price on the final calculation day </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>multiplied by</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> the adjustment factor on such day.</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Adjustment factor:</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The &#8220;adjustment factor&#8221; means, 1.0, subject to adjustment in the event of certain events affecting the underlying stock.</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Lowest performing underlying</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The underlying with the lowest performance factor</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Performance factor</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>With respect to each underlying, the ending level divided by the starting level</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Threshold level</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>60% of the starting level for each underlying</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Calculation agent</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC, an affiliate of the issuer and the guarantor</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Denominations</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000 and any integral multiple of $1,000</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Agent discount</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC and Wells Fargo Securities, LLC will act as the agents for this offering.  Wells Fargo Securities, LLC will receive a commission of up to $25.75 for each security it sells.  Dealers, including Wells Fargo Advisors (&#8220;WFA&#8221;), may receive a selling concession of up to $20.00 per security, and WFA may receive a distribution expense fee of $0.75 for each security sold by WFA.</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>CUSIP</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>61779TZ59</font></FONT></P>
                                </TD>
                            </TR>
                            <TR style="vertical-align: top; ">
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Tax considerations</font></FONT></P>
                                </TD>
                                <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>See preliminary pricing supplement</font></FONT></P>
                                </TD>
                            </TR>
                        </TABLE>
                    </DIV>
                </DIV>
                <DIV style="width: 39.60pt; float: left; ">
                    <P>&nbsp;</P>
                </DIV>
                <DIV style="width: 292.70pt; float: left; ">
                    <P STYLE="text-align: left; margin-top: 3.3pt; margin-bottom: 0pt; line-height: 1.2; padding-left: 0pt"><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Payout Profile***</font></FONT></P>
                    <DIV style="position: relative; ">
                        <DIV style="position: absolute; margin-left: 150.21pt; margin-top: 120.12pt; width: .1pt; height: 37.62pt; z-index: 251662336; ">
                        </DIV>
                    </DIV>
                    <P STYLE="margin-top: 3.3pt; margin-bottom: 0pt; line-height: 1.2; padding-left: 0pt; text-align: center"><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 10.0pt; ">                            <IMG width="237.66pt" height="243.71pt" src="image2.gif" style="width: 237.66pt; height: 243.71pt; ">
                            </FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>***assumes a call premium equal to the lowest possible call premium that may be determined on the pricing date</font></FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>If the securities are not automatically called and the ending level of any underlying on the final calculation day is less than its respective threshold level, you will lose more than 40%, and possibly all, of the face amount of your securities at the maturity date.</font></FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Any positive return on the securities will be limited to the applicable call premium, even if the closing level of the lowest performing underlying on the applicable calculation day significantly exceeds its starting level. You will not participate in any appreciation of the underlyings.</font></FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The face amount of each security is $1,000.  This price includes costs associated with issuing, selling, structuring and hedging the securities, which are borne by you, and, consequently, the estimated value of the securities on the pricing date will be less than $1,000 per security.  We estimate that the value of each security on the pricing date will be approximately $954.50, or within $30.00 of that estimate.  Our estimate of the value of the securities as determined on the pricing date will be set forth in the final pricing supplement.  See &#8220;Estimated Value of the Securities&#8221; in the accompanying preliminary pricing supplement for further information.</font></FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>This document provides a summary of the terms of the securities. Investors should carefully review the accompanying preliminary pricing supplement referenced below, product supplement for principal at risk securities, index supplement and prospectus, and the &#8220;Selected risk considerations&#8221; on the following page, before making a decision to invest in the securities.</font></FONT></P>
                    <P style="margin-top: 0; margin-bottom: 0; word-break: break-all; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Preliminary pricing supplement: <BR><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000183988225070644/ms12656_424b2-41440.htm">https://www.sec.gov/Archives/edgar/data/895421/000183988225070644/ms12656_424b2-41440.htm</A></font></FONT></P>
                    <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
                <DIV>

                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; text-indent: 19.8pt; margin-top: 0; ">&nbsp;</P>

<P STYLE="margin-bottom: 0pt; line-height: 6pt; text-indent: 19.8pt; margin-top: 0">&nbsp;</P>

<P STYLE="margin-bottom: 0pt; line-height: 6pt; text-indent: 19.8pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>*subject to change</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; padding-left: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>** In addition, selected dealers may receive a fee of up to 0.30% for marketing and other services.</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; padding-left: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The securities have complex features and investing in the securities involves risks not associated with an investment in ordinary debt securities.  See &#8220;Selected risk considerations&#8221; in this term sheet and &#8220;Risk Factors&#8221; in the accompanying preliminary pricing supplement. All payments on the securities are subject to our credit risk.</font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; padding-left: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>This introductory term sheet does not provide all of the information that an investor should consider prior to making an investment decision. </font></FONT></P>
                    <P style="margin-bottom: 0.0pt; line-height: 6.0pt; padding-left: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The securities are not deposits or savings accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency or instrumentality, nor are they obligations of, or guaranteed by, a bank.</font></FONT></P>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
            </DIV>
            <DIV style="width: 627.00pt; padding: 0 20.90pt 10.00pt 25.30pt; min-height: 39.60pt; position: relative; ">
                <P style="text-align: center; margin-bottom: 0.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.5pt; "><FONT></FONT></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 1.2; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 10.00pt 39.60pt 0 39.60pt; min-height: 39.60pt; position: relative; ">
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; padding-left: 19.8pt; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 13.0pt; "><font style='white-space: pre-wrap;'>Selected risk considerations</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 9.0pt; padding-left: 19.8pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The risks set forth below are discussed in more detail in the &#8220;Risk Factors&#8221; section in the accompanying preliminary pricing supplement, product supplement for principal at risk securities, index supplement and prospectus.  Please review those risk factors carefully.</font></FONT></P>
                <TABLE width="554.40pt" style="margin-left: auto; width: 554.40pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="277.20pt" style="width: 277.20pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="277.20pt" style="width: 277.20pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to an Investment in the Securities</font></U></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities do not pay interest or guarantee the return of the face amount of your securities at maturity. </font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The appreciation potential of the securities is limited by the call payment specified for each calculation day.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The market price will be influenced by many unpredictable factors.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities are subject to our credit risk, and any actual or anticipated changes to our credit ratings or credit spreads may adversely affect the market value of the securities.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; 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; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Investing in the securities is not equivalent to investing in the underlyings or in the stocks composing the Indices.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Reinvestment risk. </font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; 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 securities in the face amount reduce the economic terms of the securities, cause the estimated value of the securities to be less than the face amount and will adversely affect secondary market prices.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The estimated value of the securities is determined by reference to our pricing and valuation models, which may differ from those of other dealers and is not a maximum or minimum secondary market price.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities will not be listed on any securities exchange and secondary trading may be limited.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; 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 securities.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; 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 securities.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The maturity date may be postponed if the final calculation day is postponed.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Potentially inconsistent research, opinions or recommendations by Morgan Stanley, MSFL, WFS or our or their respective affiliates.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The U.S. federal income tax consequences of an investment in the securities are uncertain.</font></FONT></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to the Underlyings</font></U></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are exposed to the price risk of each underlying.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because the securities are linked to the performance of the lowest performing underlying, you are exposed to greater risks of receiving no call premiums and sustaining a significant loss on your investment than if the securities were linked to just one underlying.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>No affiliation with Amazon.com, Inc.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We may engage in business with or involving Amazon.com, Inc. without regard to your interests.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Adjustments to the Indices could adversely affect the value of the securities.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The antidilution adjustments the calculation agent is required to make do not cover every corporate event that could affect the underlying stock.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Historical levels of the underlyings should not be taken as an indication of the future performance of the underlyings during the term of the securities.  </font></FONT></FONT></P>
                            <P style="margin-bottom: 11.0pt; line-height: 12.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-bottom: 0.0pt; line-height: 1.2; padding-left: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>For more information about the underlyings, including historical performance information, see the accompanying preliminary pricing supplement.</font></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 8.0pt; padding-left: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley and MSFL have filed a registration statement (including a prospectus, as supplemented by the applicable product supplement and the index supplement) with the Securities and Exchange Commission, or SEC, for the offering to which this communication relates.  You should read the prospectus in that registration statement, the applicable product supplement, the index supplement and any other documents relating to this offering that Morgan Stanley and MSFL have filed with the SEC for more complete information about Morgan Stanley, MSFL and this offering.  You may get these documents without cost by visiting EDGAR on the SEC web site at.www.sec.gov.  Alternatively, Morgan Stanley, MSFL, any underwriter or any dealer participating in the offering will arrange to send you the applicable product supplement, index supplement and prospectus if you so request by calling toll-free 1-(800)-584-6837.</font></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 8.0pt; padding-left: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #909090; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo Finance LLC and Wells Fargo &amp; Company.</font></FONT></P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
