<SEC-DOCUMENT>0001839882-25-070936.txt : 20251212
<SEC-HEADER>0001839882-25-070936.hdr.sgml : 20251212
<ACCEPTANCE-DATETIME>20251212164019
ACCESSION NUMBER:		0001839882-25-070936
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20251212
DATE AS OF CHANGE:		20251212

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:		251568710

	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>ms12695_fwp-41626.htm
<DESCRIPTION>FREE WRITING PROSPECTUS TO PRELIMINARY PRICING SUPPLEMENT NO. 12,695
<TEXT>
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        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 871.2pt">
            <DIV STYLE="font-size: 10pt; width: 792pt; padding: 30.09pt 39.6pt 0; min-height: 10pt; position: relative">
                <DIV STYLE="font-size: 10pt; position: absolute; width: 317.46pt; height: 43.56pt; z-index: 251657728; left: 507.32pt; top: 19.91pt">
                    <P STYLE="font-size: 10pt; line-height: 1.1; text-align: right; margin-top: 0; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Free Writing Prospectus to Preliminary Pricing Supplement No. 12,695</font></FONT></P>
                    <P STYLE="font-size: 10pt; line-height: 1.1; text-align: right; margin-top: 0; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Registration Statement Nos. 333-275587; 333-275587-01</font></FONT></P>
                    <P STYLE="font-size: 10pt; line-height: 1.1; text-align: right; margin-top: 0; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Dated December 12, 2025; Filed pursuant to Rule 433</font></FONT></P>
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                <P STYLE="font-size: 10pt; border-bottom: black 0.5pt solid; margin-top: 0pt; margin-bottom: 11pt; padding-left: 0pt"><FONT style="color: #595959; font-size: 20.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "></FONT><FONT style="color: black; font-size: 18.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="text-transform: none; color: black; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="color: black; font-size: 18.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="text-transform: none; color: black; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>tanley</font></FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 792pt; padding: 10pt 39.6pt; position: relative; margin-bottom: 20pt">
                <DIV STYLE="font-size: 10pt">
                    <P STYLE="font-size: 10pt; margin-top: 6.6pt; padding-left: 0pt; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: black; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>3</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: black; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>-Year Trigger PLUS Based on the Value of Basket Composed of 5 Indices</font></FONT></P>
                    <P STYLE="font-size: 10pt; margin-bottom: 11.55pt; padding-left: 0pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This document provides a summary of the terms of the Trigger PLUS.  Investors must carefully review the accompanying preliminary pricing supplement referenced below, product supplement, index supplement and prospectus, and the &#8220;Risk Considerations&#8221; on the following page, prior to making an investment decision.</font></FONT></P>
                </DIV>
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                    <TABLE STYLE="width: 397.38pt; font-size: 10pt; margin-left: -6.33pt; width: 397.38pt; table-layout: fixed; border-collapse: collapse">
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                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 13.31pt">
                            <TD COLSPAN="4" STYLE="font-size: 10pt; padding: 2pt 6.33pt; border: black 0.5pt solid; background-color: #296DC1; vertical-align: middle">
                                <P STYLE="font-size: 10pt; line-height: 9pt; margin-top: 0; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Summary Terms</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Issuer:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Guarantor:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Maturity date:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>January 4, 2029</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 37.07pt">
                            <TD ROWSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Basket:</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border-top: black 0.5pt solid; border-left: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; text-align: center; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Basket component</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>S&amp;P&#174;/ASX 200 Index (AS51)</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>FTSE&#174; 100 Index (UKX)</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Swiss Market Index&#174; (SMI)</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>EURO STOXX 50&#174; Index (SX5E)</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Tokyo Stock Price Index (TPX)</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border-top: black 0.5pt solid; border-right: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Basket component weighting</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; text-align: center; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>7.50%</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; text-align: center; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>17.50%</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; text-align: center; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>10.00%</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; text-align: center; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>40.00%</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; text-align: center; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>25.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.34pt">
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border-bottom: black 0.5pt solid; border-left: black 0.5pt solid; border-right: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>We refer to each of the AS51 Index, the UKX Index, the SMI Index, the SX5E Index and the TPX Index as an underlying index and, together, as the underlying indices.</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payment at maturity per Trigger PLUS:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the final basket value is greater than the initial basket value:</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; padding-left: 39.6pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000 + leveraged upside payment</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the final basket value is less than or equal to the initial basket value but is greater than or equal to the trigger level:</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; padding-left: 39.6pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the final basket value is less than the trigger level:</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; padding-left: 39.6pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; basket performance factor</font></FONT></P>
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Under these circumstances, the payment at maturity will be less than the stated principal amount of $1,000 and will represent a loss of more than 20%, and possibly all, of your investment.</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Leveraged upside payment:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; leverage factor &#215; basket percent increase</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Leverage factor:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>144.23%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Basket percent increase:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>(final basket value &#8211; initial basket value) / initial basket value</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Initial basket value:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>100, which will be equal to the sum of the products of the initial basket component value of each basket component and the applicable multiplier for such basket component, each of which will be determined on the pricing date.</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Final index value:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The basket closing value on the valuation date</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Trigger level:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>80, which is 80% of the initial basket value</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Valuation date:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 29, 2028, subject to postponement for non-index business days and certain market disruption events</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Basket performance factor:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Final basket value</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> divided </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>by the initial basket value</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Stated principal amount:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000 per Trigger </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>PLUS</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; width: 171.49pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Issue price:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000 per Trigger PLUS </font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Pricing date:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 30, 2025</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Original issue date:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>January 6, 2026 (4 business days after the pricing date)</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 9.52pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>CUSIP/ISIN:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; background-color: #DCEBF4; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>61780ABG9 / US61780ABG94</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 23.21pt">
                            <TD STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Preliminary pricing supplement:</font></FONT></P>
                            </TD>
                            <TD COLSPAN="2" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border: black 0.5pt solid; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-bottom: 1.1pt; line-height: 8.5pt; margin-top: 0; word-break: break-all"><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'><A HREF="https://www.sec.gov/Archives/edgar/data/895421/000183988225070912/ms12695_424b2-41625.htm">https://www.sec.gov/Archives/edgar/data/895421/000183988225070912/ms12695_424b2-41625.htm</A></font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 13.64pt">
                            <TD COLSPAN="4" STYLE="font-size: 10pt; padding: 0pt 6.33pt; border-top: black 0.5pt solid; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 6pt; vertical-align: super; "><font style='white-space: pre-wrap;'>1</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>All payments are subject to our credit risk</font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                    <P STYLE="font-size: 10pt; margin-top: 2.2pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 15.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                </DIV>
                <DIV STYLE="font-size: 10pt; width: 9.9pt; float: left">
                    <P STYLE="font-size: 10pt">&nbsp;</P>
                </DIV>
                <DIV STYLE="font-size: 10pt; width: 390.05pt; float: left">
                    <P STYLE="font-size: 10pt; margin-top: 2.2pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 15.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Payout at Maturity</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9pt; vertical-align: super; "><font style='white-space: pre-wrap;'>1</font></FONT></P>
                    <P STYLE="font-size: 10pt; margin-top: 2.2pt; margin-bottom: 1.65pt; line-height: 1.2; text-align: center"><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #FFFFFF; "><FONT style="width: 308.99pt; height: 3in; ">                                <IMG width="308.99pt" height="3in" src="image1.gif" style="width: 308.99pt; height: 3in; ">
                                </FONT></FONT></P>
                    <P STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; line-height: 1.2; text-align: center"><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 4.0pt; color: #FFFFFF; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                    <TABLE STYLE="width: 361.35pt; font-size: 10pt; margin-left: 19.79pt; width: 361.35pt; table-layout: fixed; border-collapse: collapse">
                        <TR STYLE="font-size: 10pt">
                            <TD STYLE="width: 193.05pt; font-size: 10pt; width: 193.05pt; border-width: 0; margin: 0; padding: 0; height: 0">
                            </TD>
                            <TD STYLE="width: 168.30pt; font-size: 10pt; width: 168.3pt; border-width: 0; margin: 0; padding: 0; height: 0">
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 13.81pt">
                            <TD STYLE="font-size: 10pt; padding: 2pt 5.94pt; border: black 0.5pt solid; background-color: #296DC1; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>Change in Basket Value</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 2pt 5.94pt; border: black 0.5pt solid; background-color: #296DC1; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>Return on the Trigger PLUS</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+70.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>100.961%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+60.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>86.538%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+50.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>72.115%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+40.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>57.692%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+30.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>43.269%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+20.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>28.846%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+10.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>14.423%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>+5.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>7.212%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-10.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-15.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-20.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-21.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-21.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-30.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-30.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-40.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-40.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-60.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-60.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-80.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #D0CECE; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-80.00%</font></FONT></P>
                            </TD>
                        </TR>
                        <TR STYLE="font-size: 10pt; vertical-align: top; min-height: 10.95pt">
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-100.00%</font></FONT></P>
                            </TD>
                            <TD STYLE="font-size: 10pt; padding: 1pt 5.94pt; border: black 0.5pt solid; background-color: #FFFFFF; vertical-align: middle">
                                <P STYLE="font-size: 10pt; margin-top: 2.2pt; line-height: 7pt; text-align: center; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>-100.00%</font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                </DIV>
<BR clear="all" style="font-size: 1px; ">
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 792pt; padding: 0 39.6pt 18.21pt; min-height: 21.4pt; position: relative">
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT style="font-family: Times New Roman, Times, serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV STYLE="font-size: 10pt; page-break-after: always; border-bottom: black 1pt solid">
            <P STYLE="font-size: 10pt"></P>
        </DIV>
        <DIV STYLE="font-size: 10pt; margin: auto; padding: 36pt 0; width: 871.2pt">
            <DIV STYLE="font-size: 10pt; width: 792pt; padding: 30.09pt 39.6pt 0; min-height: 10pt; position: relative">
                <P STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><FONT style="font-family: Times New Roman, Times, serif; ">&nbsp;</FONT></P>
            </DIV>
            <DIV STYLE="font-size: 10pt; width: 792pt; padding: 10pt 39.6pt; position: relative; margin-bottom: 20pt">
                <P STYLE="font-size: 10pt; border-top: black 0.5pt solid; margin-top: 6.6pt; line-height: 9pt; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The issuer has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus in that registration statement and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling toll-free 1-800-584-6837.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2"><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0pt; line-height: 1.2; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Underlying Indices</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0pt; line-height: 1.2; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>For more information about the underlying indices, including historical performance information, see the accompanying preliminary pricing supplement.</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0pt; line-height: 1.2; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0pt; line-height: 1.2; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Risk Considerations</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6.6pt; line-height: 1.2"><FONT style="font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The risks set forth below are discussed in more detail in the &#8220;Risk Factors&#8221; section in the accompanying preliminary pricing supplement.  Please review those risk factors carefully prior to making an investment decision. </font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6.6pt; line-height: 1.2"><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to an Investment in the Trigger PLUS</font></U></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The Trigger PLUS do not pay interest or guarantee return of any principal.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The market price of the Trigger PLUS will be influenced by many unpredictable factors.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The Trigger PLUS 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 Trigger PLUS. </font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>As a finance subsidiary, MSFL has no independent operations and will have no independent assets. </font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The amount payable on the Trigger PLUS is not linked to the value of the basket at any time other than the valuation date.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Investing in the Trigger PLUS is not equivalent to investing in the basket components. </font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The rate we are willing to pay for securities of this type, maturity and issuance size is likely to be lower than the rate implied by our secondary market credit spreads and advantageous to us.  Both the lower rate and the inclusion of costs associated with issuing, selling, structuring and hedging the Trigger PLUS in the original issue price reduce the economic terms of the Trigger PLUS, cause the estimated value of the Trigger PLUS to be less than the original issue price and will adversely affect secondary market prices.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The estimated value of the Trigger PLUS is $955.10 per Trigger PLUS, or within $45.00 of that estimate, and is determined by reference to our pricing and valuation models, which may differ from those of other dealers and is not a maximum or minimum secondary market price.  </font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The Trigger PLUS will not be listed on any securities exchange and secondary trading may be limited.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The calculation agent, which is a subsidiary of Morgan Stanley and an affiliate of MSFL, will make determinations with respect to the Trigger PLUS.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Hedging and trading activity by our affiliates could potentially adversely affect the value of the Trigger PLUS.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The U.S. federal income tax consequences of an investment in the Trigger PLUS are uncertain.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6.6pt; line-height: 1.2"><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to </font></U><U><font style='white-space: pre-wrap;'>the </font></U><U><font style='white-space: pre-wrap;'>Basket Components</font></U></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Changes in the value of the basket components may offset each other.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>There are risks associated with investments in securities linked to the value of foreign equity securities.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>The basket components are not equally weighted.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Governmental regulatory actions, such as sanctions, could adversely affect your investment in the Trigger PLUS.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Adjustments to the underlying indices could adversely affect the value of the Trigger PLUS.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.5pt; text-align: left; margin-left: 39.6pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #00B0F0; font-size: 10.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Past performance is not indicative of future performance.</font></FONT></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0pt; line-height: 1.2; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Tax Considerations</font></FONT></P>
                <P STYLE="font-size: 10pt; margin-top: 0pt; line-height: 1.2; margin-bottom: 0"><FONT style="font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You should review carefully the discussion in the accompanying preliminary pricing supplement under the caption &#8220;Additional Information About the Trigger PLUS&#8211;Tax considerations&#8221; concerning the U.S. federal income tax consequences of an investment in the Trigger PLUS, and you should consult your tax adviser.</font></FONT></P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
