<SEC-DOCUMENT>0001839882-26-023613.txt : 20260511
<SEC-HEADER>0001839882-26-023613.hdr.sgml : 20260511
<ACCEPTANCE-DATETIME>20260511145859
ACCESSION NUMBER:		0001839882-26-023613
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		14
FILED AS OF DATE:		20260511
DATE AS OF CHANGE:		20260511

FILER:

	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:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-293641
		FILM NUMBER:		26962555

	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

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Morgan Stanley Finance LLC
		CENTRAL INDEX KEY:			0001666268
		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:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-293641-01
		FILM NUMBER:		26962556

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>ms15779_424b2-15369.htm
<DESCRIPTION>PRICING SUPPLEMENT NO. 15,779
<TEXT>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; text-align: right; margin-left: -19.8pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT></P>
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; margin-left: -19.8pt; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Pricing Supplement No. 15,779</font></FONT></P>
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; margin-left: -19.8pt; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Registration Statement Nos. 333-293641; 333-293641-01</font></FONT></P>
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; margin-left: -19.8pt; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Dated May 7, 2026</font></FONT></P>
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; margin-left: -19.8pt; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Filed pursuant to Rule 424(b)(2)</font></FONT></P>
                <P style="background-color: #D6D6D6; margin-top: 2.2pt; margin-bottom: 0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #AF1E23; font-size: 19.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; text-transform: none; color: #AF1E23; font-size: 19.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #AF1E23; font-size: 19.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; text-transform: none; color: #AF1E23; font-size: 19.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #AF1E23; font-size: 19.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; text-transform: none; color: #AF1E23; font-size: 19.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #AF1E23; font-size: 19.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="background-color: #D6D6D6; margin-top: 0pt; margin-bottom: 0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #AF1E23; font-size: 15.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>Structured Investments</font></FONT></P>
                <P style="background-color: #D6D6D6; margin-top: 0pt; margin-bottom: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: #AF1E23; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Opportunities in U.S. Equities</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="background-color: #A6A6A6; margin-top: -9pt; margin-bottom: 0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #AF1E23; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #BB0826; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="background-color: #A6A6A6; margin-top: 0pt; margin-bottom: 0pt; "><FONT style="font-family: Arial, sans-serif; color: #BB0826; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
                <P style="background-color: #A6A6A6; margin-top: 0pt; margin-bottom: 1pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #AF1E23; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Fully and Unconditionally Guaranteed by Morgan Stanley</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: 0.0pt; width: 594.00pt; table-layout: fixed; border-collapse: collapse; ">
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                        <TD width="594.00pt" style="width: 594.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #5E8AB4; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 1.5pt; line-height: 7.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 6.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Linked to the common stock of UnitedHealth Group Incorporated (the &#8220;underlying stock&#8221;)</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 7.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 6.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>The securities are unsecured obligations of Morgan Stanley Finance LLC (&#8220;MSFL&#8221;) and are fully and unconditionally guaranteed by Morgan Stanley. Unlike ordinary debt securities, the securities do not guarantee the payment of interest, do not guarantee the repayment of principal and are subject to potential automatic call prior to the maturity date upon the terms described below. The securities have the terms described in the accompanying product supplement for principal at risk securities, tax supplement and prospectus, as supplemented or modified by this document.  </font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 7.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 6.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Contingent Coupon.</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>  The securities will pay a contingent coupon on a monthly basis until the earlier of the maturity date or automatic call if, and only if, the stock closing price on the calculation day for that month is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'> the coupon threshold price. If the stock closing price on a calculation day is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'> the coupon threshold price, you will not receive any contingent coupon payment for the relevant month. However, if the stock closing price on one or more calculation days is less than the coupon threshold price and, on a subsequent calculation day, the stock closing price is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'> the coupon threshold price, the securities will pay the contingent coupon payment due for that subsequent calculation day </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'> all previously unpaid contingent coupon payments (without interest accruing on amounts previously unpaid). If the stock closing price is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'> the coupon threshold price on every calculation day, you will not receive any contingent coupon payments throughout the entire term of the securities. The coupon threshold price is equal to 70% of the starting price. The contingent coupon rate is 10.50% </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>per annum</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 7.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 6.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Automatic Call. </font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Beginning after six months, the securities will be automatically called if the stock closing price on any of the calculation days (other than the final calculation day) is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'> the starting price for a cash payment equal to the face amount </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'> a final contingent coupon payment and any previously unpaid contingent coupon payments. No further payments will be made on the securities once they have been called.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 7.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 6.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Potential Loss of Principal. </font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>If the securities are not automatically called prior to maturity, you will receive the face amount at maturity if, and only if, the ending price is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'> the downside threshold price. If the ending price is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'> the downside threshold price, investors will be fully exposed to the decline in the underlying stock on a 1-to-1 basis and will receive a maturity payment amount that is less than 70% of the face amount of the securities and could be zero.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 7.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 6.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Accordingly, investors in the securities must be willing to accept the risk of losing their entire initial investment and also the risk of not receiving any contingent coupon payments throughout the entire term of the securities.</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>  </font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 7.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 6.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>The securities are for investors who are willing to risk their principal and seek an opportunity to earn interest at a potentially above-market rate in exchange for the risk of receiving no contingent coupon payments over the entire term of the securities.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 7.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 6.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Investors will not participate in any appreciation of the underlying stock.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 7.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 6.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>The securities are notes issued as part of MSFL&#8217;s Series A Global Medium-Term Notes program.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; line-height: 7.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 6.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>All payments are subject to our credit risk.  If we default on our obligations, you could lose some or all of your investment.</font></FONT></FONT></P>
                            <P style="margin-top: 1.5pt; margin-bottom: 3.3pt; line-height: 7.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 6.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>These securities are not secured obligations and you will not have any security interest in, or otherwise have any access to, the underlying stock.</font></FONT></FONT></P>
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>The current estimated value of the securities is $975.70 per security.  The estimated value of the securities is determined using our own pricing and valuation models, market inputs and assumptions relating to the underlying stock, instruments based on the underlying stock, volatility and other factors including current and expected interest rates, as well as an interest rate related to our secondary market credit spread, which is the implied interest rate at which our conventional fixed rate debt trades in the secondary market. See &#8220;Estimated Value of the Securities&#8221; on page 4.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><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;Risk Factors&#8221; beginning on page 11.  All payments on the securities are subject to our credit risk.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; padding-left: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>The Securities and Exchange Commission and state securities regulators have not approved or disapproved these securities, or determined if this document or the accompanying product supplement, tax supplement and prospectus is truthful or complete.  Any representation to the contrary is a criminal offense.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; padding-left: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 6.5pt; "><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>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; padding-left: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>You should read this document together with the related product supplement for principal at risk securities, tax supplement and prospectus, each of which can be accessed via the hyperlinks below.  Please also see &#8220;Additional Information About the Securities&#8221; at the end of this document.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; padding-left: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>As used in this document, &#8220;we,&#8221; &#8220;us&#8221; and &#8220;our&#8221; refer to Morgan Stanley or MSFL, or Morgan Stanley and MSFL collectively, as the context requires.</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: 0.0pt; width: 594.00pt; table-layout: fixed; border-collapse: collapse; ">
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                        <TD width="140.25pt" style="width: 140.25pt; border: 0; margin: 0; padding: 0; height: 0; ">
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                        <TD width="140.25pt" style="width: 140.25pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 4.29pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Commissions and offering price:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.50pt solid black; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Price to public</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.50pt solid black; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Agent&#8217;s commissions</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>(1)(2)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.50pt solid black; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Proceeds to us</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>(3)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 4.24pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Per security</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  1.50pt solid black; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  1.50pt solid black; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$15.75</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-top:  1.50pt solid black; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$984.25</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 4.24pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  0.75pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Total</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,100,000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$17,325</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$1,082,675</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 3.3pt; margin-bottom: 1.5pt; 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-family: Times New Roman, Times, serif; font-style: italic; font-size: 7.0pt; ">(1)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Wells Fargo Securities, LLC, an agent for this offering, will receive a commission of up to $15.75 for each security it sells.  Dealers, including Wells Fargo Advisors (&#8220;WFA&#8221;), may receive a selling concession of up to $10 per security, and WFA may receive a distribution expense fee of $0.75 for each security sold by WFA.  See &#8220;Supplemental information concerning plan of distribution; conflicts of interest.&#8221;  </font></FONT></FONT></P>
                <P style="margin-top: 1.5pt; margin-bottom: 1.5pt; 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-family: Times New Roman, Times, serif; font-style: italic; font-size: 7.0pt; ">(2)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>In respect of certain securities sold in this offering, we may pay a fee of up to $2.00 per security to selected securities dealers in consideration for marketing and other services in connection with the distribution of the securities to other securities dealers.</font></FONT></FONT></P>
                <P style="margin-top: 1.5pt; margin-bottom: 3.3pt; 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-family: Times New Roman, Times, serif; font-style: italic; font-size: 7.0pt; ">(3)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>See &#8220;Use of Proceeds and Hedging&#8221; in the accompanying product supplement.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010326005461/dp244129_424b2-pswffmln.htm" style="word-break: break-all; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #296DC1; text-decoration-style: solid; text-decoration-line: underline; font-size: 8.0pt; "><U><font style='white-space: pre-wrap;'>Product Supplement for Principal at Risk Securities dated</font></U><U><font style='white-space: pre-wrap;'> April 8, 2026</font></U></FONT></A><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-decoration: none; display: inline-block; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>                         &#8203;</font></FONT><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010326005451/dp244874_424b2-sats.htm" style="word-break: break-all; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #0070C0; text-decoration-style: solid; text-decoration-line: underline; font-size: 8.0pt; "><U><font style='white-space: pre-wrap;'>Tax Supplement dated April 8, 2026</font></U></FONT></A><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-decoration: none; display: inline-block; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> &#8203;</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010326005450/dp244347_424b2-basepro.htm" style="word-break: break-all; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #296DC1; text-decoration-style: solid; text-decoration-line: underline; font-size: 8.0pt; "><U><font style='white-space: pre-wrap;'>Prospectus dated April 8, 2026</font></U></FONT></A></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
            <TABLE width="100.00%" style="margin-left: 0pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 11.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 15.5pt; ">Wells Fargo Securities</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
            </DIV>
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            <P></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: 0.0pt; width: 594.00pt; table-layout: fixed; border-collapse: collapse; ">
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #5E8AB4; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Final Terms</font></FONT></P>
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                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  0.75pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Issuer:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
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                        <TD>
                        </TD>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  0.75pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Guarantor:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
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                        <TD>
                        </TD>
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                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Maturity date:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 17, 2027, subject to postponement if the final calculation day is postponed</font></FONT></P>
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                        <TD>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Underlying stock:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The common stock of UnitedHealth Group Incorporated (the &#8220;Underlying company&#8221;) (Nasdaq symbol: UNH)</font></FONT></P>
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                        <TD>
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                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Contingent coupon payment (with memory feature): </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On each contingent coupon payment date, you will receive a contingent coupon payment at a per annum rate equal to the contingent coupon rate </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if, and only if</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, the stock closing price on the related calculation day is greater than or equal to the coupon threshold price.</font></FONT></P>
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Each &#8220;contingent coupon payment&#8221;, if any, will be calculated per security as follows:</font></FONT></P>
                            <P style="line-height: 11.0pt; padding-left: 39.6pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>($1,000 &#215; contingent coupon rate) / 12.</font></FONT></P>
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Any contingent coupon payment will be rounded to the nearest cent, with one-half cent rounded upward. In addition, if the stock closing price on one or more calculation days is less than the coupon threshold price and, on a subsequent calculation day, the stock closing price is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price, the securities will pay the contingent coupon payment due for the subsequent calculation day </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> all previously unpaid contingent coupon payments (without interest accruing on amounts previously unpaid).</font></FONT></P>
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the stock closing price on any calculation day is less than the coupon threshold price, you will not receive any contingent coupon payment on the related contingent coupon payment date. In addition, if the stock closing price on a calculation day is less than the coupon threshold price and the stock closing price on each subsequent calculation day up to and including the final calculation day is less than the coupon threshold price, you will not receive any unpaid contingent coupon payment in respect of any of those calculation days.</font></FONT></P>
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the stock closing price is less than the coupon threshold price on all monthly calculation days, you will not receive any contingent coupon payments over the term of the securities.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Contingent coupon payment dates:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Three business days after the applicable calculation day.*</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Contingent coupon rate:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The &#8220;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>contingent coupon rate</font></U></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; is 10.50% </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>per annum</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Automatic call</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities are not subject to automatic call until approximately six months after the original issue date. Following this 6-month non-call period, if, on any calculation day (other than the final calculation day), beginning in November 2026, the stock closing price is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the starting price, the securities will be automatically called on the related call settlement date for a cash payment per security equal to the face amount </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> a final contingent coupon payment and any previously unpaid contingent coupon payments.</font></FONT></P>
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities will not be automatically called on any call settlement date if the stock closing price is less than the starting price on the related calculation day.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT></P>
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Any positive return on the securities will be limited to the contingent coupon payments, if any, even if the stock closing price on the applicable calculation day significantly exceeds the starting price. You will not participate in any appreciation of the underlying stock.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Calculation days:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Monthly, on the 12</font></FONT><FONT style="font-family: Times New Roman, Times, serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>th</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> of each month, commencing in June 2026 and ending on the final calculation day. We also refer to the May 2027 calculation day as the &#8220;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>final </font></U><U><font style='white-space: pre-wrap;'>calculation day</font></U></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.&#8221;**</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Call settlement date:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Three business days after the applicable calculation day.** </font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; vertical-align: middle; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Times New Roman, Times, serif; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Maturity payment amount:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the securities are not automatically called, you will be entitled to receive on the maturity date a cash payment per security equal to the maturity payment amount (in addition to the final contingent coupon payment due at maturity and any previously unpaid contingent coupon payments, if payable). The &#8220;maturity payment amount&#8221; per security will equal: </font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; 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: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if the ending price is</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the downside threshold price: </font></FONT></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>                         $1,000; or</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; 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: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if the ending price is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the downside threshold price:</font></FONT></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; padding-left: 58.08pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; performance factor </font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the securities are not automatically called prior to maturity and the ending price is less than the downside threshold price, you will receive significantly less than the stated principal amount of your securities and you will not receive any contingent </font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>2</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: 0.0pt; width: 594.00pt; table-layout: fixed; border-collapse: collapse; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; vertical-align: middle; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>coupon payment at maturity (including any previously unpaid contingent coupon payments). Under these circumstances, you will lose more than 30%, and possibly all, of your investment.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; vertical-align: middle; ">
                            <P style="line-height: 11.0pt; text-indent: 0.06pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Stock closing price:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="line-height: 11.0pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>With respect to the underlying stock, stock closing price, closing price and adjustment factor have the meanings set forth under &#8220;General Terms of the Securities&#8212;Certain Terms for Securities Linked to an Underlying Stock&#8212;Certain Definitions&#8221; in the accompanying product supplement for principal at risk securities.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; vertical-align: middle; ">
                            <P style="line-height: 11.0pt; text-indent: 0.06pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Starting price:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="line-height: 11.0pt; text-indent: -10.34pt; padding-left: 10.34pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$369.74, which is the stock closing price on the pricing date.</font></FONT></P>
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                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Coupon threshold price:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$258.818, which is equal to 70% of the starting price.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.45pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Downside threshold price:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$258.818, which is equal to 70% of the starting price.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.45pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Ending price:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The &#8220;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>ending price</font></U></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; will be the stock closing price on the final calculation day.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.45pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Performance factor:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The ending price </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>divided by</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the starting price (expressed as a percentage).</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Face amount:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 per security.  References in this document to a &#8220;security&#8221; are to a security with a face amount of $1,000.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Pricing date:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 7, 2026</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Original issue date:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 12, 2026 (3 business days after the pricing date)</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>CUSIP / ISIN:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>61781FQP1 / US61781FQP17</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Listing:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities will not be listed on any securities exchange.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 37.02pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.50pt solid #FFFFFF; border-top:  1.00pt solid #FFFFFF; background-color: #D9D6D6; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Agents:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC (&#8220;MS &amp; Co.&#8221;), an affiliate of MSFL and a wholly owned subsidiary of Morgan Stanley, and Wells Fargo Securities, LLC (&#8220;WFS&#8221;).  See &#8220;Additional Information About the Securities&#8212;Supplemental information regarding plan of distribution; conflicts of interest.&#8221;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #FFFFFF; border-top:  1.50pt solid #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>* Subject to postponement pursuant to &#8220;General Terms of the Securities&#8212;Payment Dates&#8221; in the accompanying product supplement</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>for principal at risk securities.</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>** Subject to postponement pursuant to &#8220;General Terms of the Securities&#8212;Consequences of a Market Disruption Event;</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Postponement of a Calculation Day&#8221; in the accompanying product supplement for principal at risk securities.</font></FONT></P>
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                <P style="margin-top: 0.0pt; padding-left: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 9.0pt; color: #296DC1; font-family: Times New Roman, Times, serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>3</FONT></FONT></P>
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            <P></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 27.72pt 39.60pt 0 39.60pt; min-height: 11.88pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: 0.0pt; width: 594.00pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="594.00pt" style="width: 594.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #5E8AB4; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Estimated Value of the Securities</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; color: black; "><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 is less than $1,000 per security.  We estimate that the value of each security on the pricing date is $975.70.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>What goes into the estimated value on the pricing date?</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>In valuing the securities on the pricing date, we take into account that the securities comprise both a debt component and a performance-based component linked to the underlying stock.  The estimated value of the securities is determined using our own pricing and valuation models, market inputs and assumptions relating to the underlying stock, instruments based on the underlying stock, volatility and other factors including current and expected interest rates, as well as an interest rate related to our secondary market credit spread, which is the implied interest rate at which our conventional fixed rate debt trades in the secondary market.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>What determines the economic terms of the securities?</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>In determining the economic terms of the securities, including the contingent coupon rate, the coupon threshold price and the downside threshold price, we use an internal funding rate which is likely to be lower than our secondary market credit spreads and therefore advantageous to us.  If the issuing, selling, structuring and hedging costs borne by you were lower or if the internal funding rate were higher, one or more of the economic terms of the securities would be more favorable to you.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>What is the relationship between the estimated value on the pricing date and the secondary market price of the securities?</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>The price at which MS &amp; Co. purchases the securities in the secondary market, absent changes in market conditions, including those related to the underlying stock, may vary from, and be lower than, the estimated value on the pricing date, because the secondary market price takes into account our secondary market credit spread as well as the bid-offer spread that MS &amp; Co. would charge in a secondary market transaction of this type and other factors.  However, because the costs associated with issuing, selling, structuring and hedging the securities are not fully deducted upon issuance, for a period of up to 3 months following the issue date, to the extent that MS &amp; Co. may buy or sell the securities in the secondary market, absent changes in market conditions, including those related to the underlying stock, and to our secondary market credit spreads, it would do so based on values higher than the estimated value.  We expect that those higher values will also be reflected in your brokerage account statements.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. may, but is not obligated to, make a market in the securities and, if it once chooses to make a market, may cease doing so at any time.</font></FONT></P>
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                </TABLE>
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                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>4</FONT></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Investor Considerations</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027 (the &#8220;securities&#8221;) may be appropriate for investors who:</font></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>seek an investment with contingent coupon payments at a rate of 10.50% </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>per annum</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> until the earlier of the maturity date or automatic call, </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if, and only if</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, the stock closing price on the applicable monthly calculation day is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> 70% of the starting price;  </font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>understand that if the stock closing price of the underlying stock on the final calculation day has declined by more than 30% from the starting price, they will be fully exposed to the decline in the underlying stock from the starting price and will lose more than 30%, and possibly all, of the face amount of their securities at maturity;  </font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>are willing to accept the risk that they may receive few or no contingent coupon payments over the term of the securities;</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>understand that the securities may be automatically called prior to the maturity date and that the term of the securities may be as short as approximately six months;</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>understand and are willing to accept the full downside risks of the underlying stock; </font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>are willing to forgo participation in any appreciation of the underlying stock, fixed interest payments on the securities and dividends on the underlying stock; and</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>are willing to hold the securities until maturity.</font></FONT></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities are not designed for, and may not be an appropriate investment for, investors who:</font></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>seek a liquid investment or are unable or unwilling to hold the securities to maturity;</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>require full payment of the face amount of the securities at maturity;</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>seek a security with a fixed term;</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>are unwilling to accept the risk that the stock closing price may decline by more than 30% from the starting price to the ending price, in which case they will lose a significant portion or all of their investment;</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>seek current income;</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>are unwilling to accept the risk of exposure to the underlying stock;</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>seek exposure to the upside performance of the underlying stock; </font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>are unwilling to accept our credit risk; or</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>prefer the lower risk of fixed income investments with comparable maturities issued by companies with comparable credit ratings.</font></FONT></FONT></P>
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The considerations identified above are not exhaustive. Whether or not the securities are an </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>appropriate </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>investment for you will depend on your individual circumstances, and you should reach an investment decision only after you and your investment, legal, tax, accounting and other advisors have carefully considered the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>appropriateness </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>of an investment in the securities in light of your particular circumstances. You should also review carefully the &#8220;Risk Factors&#8221; herein and in the accompanying product supplement and tax supplement for risks related to an investment in the securities. For more information about the underlying stock, please see the section titled &#8220;UnitedHealth Group Incorporated Overview&#8221; below.</font></FONT></P>
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                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>5</FONT></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #5E8AB4; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Determining Payment on a Contingent Coupon Payment Date and on the Maturity Date </font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the securities have not been previously automatically called, on each monthly contingent coupon payment date, you will either receive a contingent coupon payment (including any previously unpaid contingent coupon payments) or you will not receive a contingent coupon payment, depending on the stock closing price on the related monthly calculation day.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Determine whether a contingent coupon payment (including any previously unpaid contingent coupons) is paid on the applicable contingent coupon payment date based on the stock closing price on the relevant calculation day, as follows:</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">                        <IMG width="478.45pt" height="226.60pt" src="image1.gif" style="width: 478.45pt; height: 226.60pt; ">
                        </FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Beginning after six months, if the stock closing price on a calculation day is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the starting price, the securities will be automatically called on the applicable call settlement date for an amount in cash equal to $1,000 </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the related contingent coupon payment and any previously unpaid contingent coupon payments.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On the maturity date, if the securities have not been automatically called prior to the maturity date, you will receive (in addition to the final contingent coupon payment and any previously unpaid contingent coupon payments, if any) a cash payment per security (the maturity payment amount) calculated as follows:</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">                        <IMG width="490.89pt" height="235.40pt" src="image2.gif" style="width: 490.89pt; height: 235.40pt; ">
                        </FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: justify; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>6</FONT></FONT></P>
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            <P></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 27.72pt 39.60pt 0 39.60pt; min-height: 11.88pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                        <TD width="594.00pt" style="width: 594.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
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                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #5E8AB4; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Payout Profile</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The hypothetical payout profile below illustrates the maturity payment amount on the securities, as applicable, for a range of hypothetical performances of the underlying stock from its respective starting price to its respective stock closing price on the final calculation day.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.5pt; ">                        <IMG width="486.75pt" height="383.90pt" src="image3.gif" style="width: 486.75pt; height: 383.90pt; ">
                        </FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>7</FONT></FONT></P>
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            <P></P>
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            <DIV style="width: 594.00pt; padding: 27.72pt 39.60pt 0 39.60pt; min-height: 11.88pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: 0.0pt; width: 594.00pt; table-layout: fixed; border-collapse: collapse; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #5E8AB4; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Scenario Analysis and Examples of Hypothetical Payments on the Securities </font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following hypothetical examples illustrate how to determine whether a contingent coupon payment is paid (and whether any previously unpaid contingent coupon payments will be paid) with respect to a calculation day and how to calculate the maturity payment amount, if any, if the securities have not been automatically called.  The following examples are for illustrative purposes only.  Whether you receive a contingent coupon payment will be determined by reference to the stock closing price on each calculation day, and the amount you will receive at maturity, if any, will be determined by reference to the ending price on the final calculation day.  The actual starting price, coupon threshold price and downside threshold price are set forth under &#8220;Final Terms&#8221; above.  All payments on the securities, if any, are subject to our credit risk.  The numbers in the hypothetical examples below may have been rounded for the ease of analysis.  The below examples are based on the following terms*:</font></FONT></P>
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                        </TD>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Contingent coupon payment:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On each contingent coupon payment date, you will receive a contingent coupon payment at a per annum rate equal to the contingent coupon rate </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>if, and only if</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, the stock closing price on the related calculation day is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If payable, the contingent coupon payment will be an amount in cash per face amount corresponding to a return of 10.50% </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>per annum</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> for each interest payment period for each applicable calculation day. These hypothetical examples reflect the contingent monthly coupon rate of 10.50% (corresponding to $8.75 per month per security**).</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the stock closing price on one or more calculation days is</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> less than</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price and, on a subsequent calculation day, the stock closing price is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price, the securities will pay the contingent coupon payment due for the subsequent calculation day </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> all previously unpaid contingent coupon payments (without interest accruing on amounts previously unpaid).</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>It is possible that the stock closing price will be less than the coupon threshold price for extended periods of time or even throughout the entire term of the securities so that you will receive few or no contingent coupon payments.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical starting price:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$100.00</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 5.67pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical coupon threshold price:</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: 5.5pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$70.00, which is 70% of the hypothetical starting price</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.67pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical downside threshold price:</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: 5.5pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$70.00, which is 70% of the hypothetical starting price</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>* The hypothetical starting price of $100.00 for the underlying stock has been chosen for illustrative purposes only and does not represent the actual starting price of the underlying stock.  The actual starting price, coupon threshold price and downside threshold price are set forth on the cover of this pricing supplement.  For historical data regarding the actual closing prices of the underlying stock, see the historical information set forth herein.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>**The actual contingent coupon payment will be an amount determined by the calculation agent based on the actual contingent coupon rate. The hypothetical contingent monthly coupon of $8.75 is used in these examples for ease of analysis.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In Example 1, the closing price of the underlying stock fluctuates over the term of the securities and the stock closing price is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the hypothetical starting price of $100.00 on one of the calculation days following the 6-month non-call period. Because the stock closing price is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the starting price on such a date, the securities are automatically called on the related call settlement date. In Examples 2 and 3, the stock closing price on each of the calculation days is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the starting price, and, consequently, the securities are not automatically called prior to, and remain outstanding until, maturity. </font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: 0.0pt; width: 594.00pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="153.45pt" style="width: 153.45pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="158.40pt" style="width: 158.40pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="282.15pt" style="width: 282.15pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 1</font></FONT></P>
                        </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: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Date</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: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Stock Closing Price</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: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Payment per Security on the Related Contingent Coupon Payment Date</font></FONT></P>
                        </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; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 1</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$102.50 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$8.75</font></FONT></P>
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(contingent coupon payment is paid; securities are not called)</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 1.0pt; font-family: Times New Roman, Times, serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>8</FONT></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: 27.72pt 39.60pt 0 39.60pt; min-height: 11.88pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: 0.0pt; width: 594.00pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="153.45pt" style="width: 153.45pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="158.40pt" style="width: 158.40pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="282.15pt" style="width: 282.15pt; 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; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 2</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$57.50 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(no contingent coupon payment; securities are not called)</font></FONT></P>
                        </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; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 3</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$72.50 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$8.75 &#215; 2 = $17.50</font></FONT></P>
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(contingent coupon payment and the previously unpaid contingent coupon payment are paid; securities are not called)</font></FONT></P>
                        </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; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 4</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$50.00 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(no contingent coupon payment; securities are not called)</font></FONT></P>
                        </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; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$55.00 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(no contingent coupon payment; securities are not called)</font></FONT></P>
                        </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; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 6</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$102.50 (</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price and the starting price)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$8.75 + ($8.75 &#215; 2 = $17.50) + $1,000 = $1,026.25 (contingent coupon payment and the previously unpaid contingent coupon payments are paid; securities are called)</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 1</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, the securities are automatically called following the sixth calculation day (which is the first calculation day following which the securities can be called), as the stock closing price on the sixth calculation day is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the starting price. As a result, on the related call settlement date, investors receive a cash payment per security, calculated as follows:</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>stated principal amount + contingent coupon payment + previously unpaid contingent coupon payments with respect to the prior calculation days = $1,000 + $8.75 + ($8.75 &#215; 2) = $1,026.25</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In this example, the automatic call feature limits the term of the securities to approximately 6 months, and you may not be able to reinvest at comparable terms or returns. If the securities are called prior to maturity, you will receive no further payments on the securities.</font></FONT></P>
                <TABLE width="602.91pt" style="margin-left: -5.94pt; width: 602.91pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="159.39pt" style="width: 159.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="110.88pt" style="width: 110.88pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="110.88pt" style="width: 110.88pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="110.88pt" style="width: 110.88pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="110.88pt" style="width: 110.88pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.00pt" style="width: 0.00pt; 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; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 2</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 3</font></FONT></P>
                        </TD>
                        <TD>
                        </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; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Date</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Stock Closing Price / Ending Price</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Payment per Security on the Related Contingent Coupon Payment Date</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Stock Closing Price / Ending Price</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Payment per Security on the Related Contingent Coupon Payment Date</font></FONT></P>
                        </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; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 1</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$50.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$58.50</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </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; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 2</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$53.50</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$77.50</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$8.75 &#215; 2 = $17.50</font></FONT></P>
                        </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; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 3</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$57.50</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$50.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </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; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 4</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$55.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$45.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </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; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$45.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$52.50</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </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; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 6</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$40.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$82.50</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$8.75 &#215; 4 = $35.00</font></FONT></P>
                        </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; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 7</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$30.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$53.50</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </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; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 8</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$35.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$75.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$8.75 &#215; 2 = $17.50</font></FONT></P>
                        </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; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 9</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$52.50</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$55.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </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; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 10 through 34</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$55.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$53.50</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Calculation Day 35</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$47.50</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$50.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 2.0pt; font-family: Times New Roman, Times, serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>9</FONT></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: 27.72pt 39.60pt 0 39.60pt; min-height: 11.88pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="602.91pt" style="margin-left: -5.94pt; width: 602.91pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="159.39pt" style="width: 159.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="110.88pt" style="width: 110.88pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="110.88pt" style="width: 110.88pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="110.88pt" style="width: 110.88pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="110.88pt" style="width: 110.88pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.00pt" style="width: 0.00pt; 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; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Final Calculation Day</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$40.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$90.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>(included in maturity payment amount)</font></FONT></P>
                        </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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Maturity Payment Amount</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$400.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,035.00 (see explanation below)</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Examples 2 and 3 illustrate the maturity payment amount per security based on the ending price.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 2</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, the stock closing price remains below the coupon threshold price on every calculation day. As a result, investors do not receive any contingent coupon payments during the term of the securities, and, at maturity, investors are fully exposed to the decline in the closing price of the underlying stock. As the ending price is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the downside threshold price, investors will receive a maturity payment amount equal to the stated principal amount </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>multiplied by</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the performance factor, calculated as follows:</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>stated principal amount &#215; performance factor = $1,000 &#215; ($40.00 / $100.00) = $1,000 &#215; 40% = $400.00</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In this example, the amount of cash you receive at maturity is significantly less than the stated principal amount.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 3, </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the stock closing price decreases to an ending price of $90.00. Although the ending price is less than the starting price, because the ending price is still not less than the downside threshold price, investors will receive a maturity payment amount equal to the stated principal amount </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the final contingent coupon payment and any previously unpaid contingent coupon payments. The maturity payment amount is calculated as follows:</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,008.75 + ($8.75 &#215; 3) = $1,035.00</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In this example, although the ending price represents a 10% decline from the starting price, investors receive the stated principal amount per security plus the final contingent coupon payment and the previously unpaid contingent coupon payments because the ending price is not less than the downside threshold price.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the securities are not automatically called prior to maturity and the ending price is less than the downside threshold price, investors will be exposed to the downside performance of the underlying stock at maturity, and the maturity payment amount will be less than 70% of the face amount per security and could be zero.</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>10</FONT></FONT></P>
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            <P></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 27.72pt 39.60pt 0 39.60pt; min-height: 11.88pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: 0.0pt; width: 594.00pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="594.00pt" style="width: 594.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #5E8AB4; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Risk Factors</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This section describes the material risks relating to the securities.  For further discussion of these and other risks, you should read the section entitled &#8220;Risk Factors&#8221; in the accompanying product supplement for principal at risk securities, tax supplement and prospectus.  We also urge you to consult your investment, legal, tax, accounting and other advisers in connection with your investment in the securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Times New Roman, Times, serif; color: #AF1E23; font-size: 11.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to an Investment in the Securities</font></U></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>The securities do not guarantee the return of the face amount of your securities at maturity.  </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The terms of the securities differ from those of ordinary debt securities in that they do not guarantee the return of the face amount of your securities at maturity.  If the securities have not been automatically called and if the ending price is less than the downside threshold price of 70% of the starting price, you will be exposed to the decline in the price of the underlying stock, as compared to the starting price, on a 1-to-1 basis, and you will receive for each security that you hold at maturity an amount equal to the face amount </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>multiplied by </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the performance factor.  In this case, you will lose more than 30%, and possibly all, of the face amount of your securities at maturity.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities do not provide for the regular payment of interest.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The terms of the securities differ from those of ordinary debt securities in that they do not provide for the regular payment of interest. Instead, the securities will pay a contingent coupon payment </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>but only if</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the stock closing price is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price on the related calculation day. If the stock closing price is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the coupon threshold price on the relevant calculation day for any interest period, we will pay no contingent coupon payment on the applicable contingent coupon payment date. However, if the contingent coupon payment is not paid on any contingent coupon payment date because the stock closing price is less than the coupon threshold price on the related contingent coupon payment date, such unpaid contingent coupon payment will be paid on a later contingent coupon payment date </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>but only if</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the stock closing price on the related calculation day is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price. Therefore, you will not receive payment for such unpaid contingent coupon payments if the stock closing price is </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the coupon threshold price on each subsequent calculation day. If the stock closing price is less than the coupon threshold price on each calculation day, you will not receive any contingent coupon payments for the entire term of the securities. It is possible that the stock closing price will be less than the coupon threshold price for extended periods of time or even throughout the entire term of the securities so that you will receive few or no contingent coupon payments. If you do not earn sufficient contingent coupon payments over the term of the securities, the overall return on the securities may be less than the amount that would be paid on a conventional debt security of ours of comparable maturity. </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The contingent coupon payment, if any, is based on the stock closing price of the underlying stock on only the related monthly calculation day at the end of the related interest period. </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Whether the contingent coupon payment will be paid on any contingent coupon payment date will be determined at the end of the relevant interest period based on the stock  closing price of the underlying stock on the relevant monthly calculation day. As a result, you will not know whether you will receive the contingent coupon payments on any contingent coupon payment date until near the end of the relevant interest period. Moreover, because the contingent coupon payment is based solely on the value of the underlying stock on the monthly calculation days, if the stock closing price of the underlying stock on any calculation day is below the coupon threshold price, you will not receive the contingent coupon payment for the related interest period, even if the price of the underlying stock was at or above the coupon threshold price on other days during that interest period. </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>Investors will not participate in any appreciation in the price of the underlying stock.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>  Investors will not participate in any appreciation in the price of the underlying stock from the starting price, and the return on the securities will be limited to the contingent coupon payments, if any, that are paid with respect to each calculation day on which the stock closing price is greater than or equal to the coupon threshold price, if any.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>The market price will be influenced by many unpredictable factors.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  Several factors, many of which are beyond our control, will influence the value of the securities in the secondary market and the price at which MS &amp; Co. may be willing to purchase or sell the securities in the secondary market.  We expect that generally the level of interest rates available in the market and the value of the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>underlying stock</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> on any day, including in relation to the starting price, the coupon threshold price and the downside threshold price, will affect the value of the securities more than any other factors.  Other factors that may influence the value of the securities include:</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the trading price and volatility (frequency and magnitude of changes in value) of the underlying stock,</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>whether the stock closing price of the underlying stock has been below the coupon threshold price on any calculation day, </font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>geopolitical conditions and economic, financial, political, regulatory or judicial events that affect the underlying stock or securities markets generally and which may affect the price of the underlying stock,</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>dividend rates on the </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>underlying stock</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,</font></FONT></FONT></P>
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                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>11</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 27.72pt 39.60pt 0 39.60pt; min-height: 11.88pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the time remaining until the securities mature,</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>interest and yield rates in the market,</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the availability of comparable instruments,</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the occurrence of certain events affecting the underlying stock that may or may not require an adjustment to the adjustment factor, and</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>any actual or anticipated changes in our credit ratings or credit spreads.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Generally, the longer the time remaining to maturity, the more the market price of the securities will be affected by the other factors described above.  Some or all of these factors will influence the price that you will receive if you sell your securities prior to maturity</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. In particular, if the underlying stock has closed near or below the coupon threshold price and downside threshold price, the market value of the securities is expected to decrease substantially</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, and you may have to sell your securities at a substantial discount from the face amount of your securities. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You cannot predict the future performance of the underlying stock based on its historical performance.  The price of the underlying stock may be, and has recently been, volatile, and we can give you no assurance that the volatility will lessen. The price of the underlying stock may decrease and be below the coupon threshold price on each calculation day so that you will receive no return on your investment, and the underlying stock may close below the downside threshold price on the final calculation day so that you will lose a significant portion or all of your initial investment in the securities. There can be no assurance that the stock closing price will be at or above the coupon threshold price on any calculation day so that you will receive a coupon payment on the securities for the applicable interest period, or that it will be at or above the downside threshold price on the final calculation day so that you do not suffer a significant loss on your initial investment in the securities. </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>See &#8220;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>UnitedHealth Group Incorporated Overview&#8221;</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, 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 style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  You are dependent on our ability to pay all amounts due on the securities upon an automatic call, on any contingent coupon payment date or at maturity, and therefore you are subject to our credit risk.  If we default on our obligations under the securities, your investment would be at risk and you could lose some or all of your investment.  As a result, the market value of the securities prior to maturity will be affected by changes in the market&#8217;s view of our creditworthiness.  Any actual or anticipated decline in our credit ratings or increase in the credit spreads charged by the market for taking our credit risk is likely to adversely affect the market value of the securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, 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 style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> As a finance subsidiary, MSFL has no independent operations beyond the issuance and administration of its securities and will have no independent assets available for distributions to holders of MSFL securities if they make claims in respect of such securities in a bankruptcy, resolution or similar proceeding.  Accordingly, any recoveries by such holders will be limited to those available under the related guarantee by Morgan Stanley and that guarantee will rank </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>pari passu</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> with all other unsecured, unsubordinated obligations of Morgan Stanley. Holders will have recourse only to a single claim against Morgan Stanley and its assets under the guarantee. Holders of securities issued by MSFL should accordingly assume that in any such proceedings they would not have any priority over and should be treated </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>pari passu</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> with the claims of other unsecured, unsubordinated creditors of Morgan Stanley, including holders of Morgan Stanley-issued securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, 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 underlying stock.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  Investing in the securities is not equivalent to investing in the underlying stock.  Investors in the securities will not participate in any positive performance of the underlying stock, and will not have voting rights or rights to receive dividends or other distributions or any other rights with respect to the underlying stock. As a result, any return on the securities will not reflect the return you would realize if you actually owned shares of the underlying stock and received the dividends paid or distributions made on them.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Reinvestment risk.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  The term of your investment in the securities may be shortened due to the automatic call feature of the securities.  If the securities are called prior to maturity, you will receive no further payments on the securities and may be forced to invest in a lower interest rate environment and may not be able to reinvest at comparable terms or returns.  </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>However, under no circumstances will the securities be called within the first six months of the term of the securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, 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 style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  Assuming no change in market conditions or any other relevant factors, the prices, if any, at which dealers, including MS &amp; Co., may be willing to purchase the securities in secondary market transactions will likely be significantly lower than the face amount, because secondary market prices will exclude the </font></FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>12</FONT></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; "><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>issuing, selling, structuring and hedging-related costs that are included in the face amount and borne by you and because the secondary market prices will reflect our secondary market credit spreads and the bid-offer spread that any dealer would charge in a secondary market transaction of this type as well as other factors.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The inclusion of the costs of issuing, selling, structuring and hedging the securities in the face amount and the lower rate we are willing to pay as issuer make the economic terms of the securities less favorable to you than they otherwise would be.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>However, because the costs associated with issuing, selling, structuring and hedging the securities are not fully deducted upon issuance, for a period of up to 3 months following the issue date, to the extent that MS &amp; Co. may buy or sell the securities in the secondary market, absent changes in market conditions, including those related to the underlying stock, and to our secondary market credit spreads, it would do so based on values higher than the estimated value, and we expect that those higher values will also be reflected in your brokerage account statements.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, 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 style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> These pricing and valuation models are proprietary and rely in part on subjective views of certain market inputs and certain assumptions about future events, which may prove to be incorrect.  As a result, because there is no market-standard way to value these types of securities, our models may yield a higher estimated value of the securities than those generated by others, including other dealers in the market, if they attempted to value the securities.  In addition, the estimated value on the pricing date does not represent a minimum or maximum price at which dealers, including MS &amp; Co., would be willing to purchase your securities in the secondary market (if any exists) at any time.  The value of your securities at any time after the date of this document will vary based on many factors that cannot be predicted with accuracy, including our creditworthiness and changes in market conditions.  See also &#8220;The market price will be influenced by many unpredictable factors&#8221; above.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, 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 style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  The securities will not be listed on any securities exchange.  Therefore, there may be little or no secondary market for the securities.  MS &amp; Co. and WFS may, but are not obligated to, make a market in the securities and, if either of them once chooses to make a market, may cease doing so at any time.  When they do make a market, they will generally do so for transactions of routine secondary market size at prices based on their respective estimates of the current value of the securities, taking into account their respective bid/offer spreads, our credit spreads, market volatility, the notional size of the proposed sale, the cost of unwinding any related hedging positions, the time remaining to maturity and the likelihood that they will be able to resell the securities.  Even if there is a secondary market, it may not provide enough liquidity to allow you to trade or sell the securities easily.  Since other broker-dealers may not participate significantly in the secondary market for the securities, the price at which you may be able to trade your securities is likely to depend on the price, if any, at which MS &amp; Co. or WFS is willing to transact.  If, at any time, MS &amp; Co. and WFS were to cease making a market in the securities, it is likely that there would be no secondary market for the securities.  Accordingly, you should be willing to hold your securities to maturity.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, 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 style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  As calculation agent, MS &amp; Co. will determine the starting price, the coupon threshold price, the downside threshold price and the ending price, and will calculate the amount of cash you receive upon an automatic call or at maturity, if any.  Moreover, certain determinations made by MS &amp; Co., in its capacity as calculation agent, may require it to exercise discretion and make subjective judgments, such as with respect to the occurrence or non-occurrence of market disruption events and certain adjustments to the adjustment factor.  These potentially subjective determinations may adversely affect the payout to you upon an automatic call or at maturity, if any.  For further information regarding these types of determinations, see &#8220;General Terms of the Securities&#8212;Certain Terms for Securities Linked to an Underlying Stock&#8212;Market Disruption Events,&#8221; &#8220;&#8212;Adjustment Events,&#8221; &#8220;&#8212;Consequences of a Market Disruption Event; Postponement of a Calculation Day,&#8221; &#8220;&#8212;Alternate Exchange Calculation in Case of an Event of Default&#8221; and related definitions in the accompanying product supplement for principal at risk securities. In addition, MS &amp; Co. has determined the estimated value of the securities on the pricing date.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, 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 style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  One or more of our affiliates and/or third-party dealers expect to carry out hedging activities related to the securities (and possibly to other instruments linked to the underlying stock), including trading in the underlying stock.  As a result, these entities may be unwinding or adjusting hedge positions during the term of the securities, and the hedging strategy may involve greater and more frequent dynamic adjustments to the hedge as the final calculation day approaches.  Some of our affiliates also trade the underlying stock and other financial instruments related to the underlying stock on a regular basis as part of their general broker-dealer and other businesses.  Any of these hedging or trading activities on or prior to the pricing date could potentially affect the starting price of the underlying stock, and, therefore, could increase (i) the price at or above which the underlying stock must close on the calculation days so that the securities are called for a cash payment equal to the face amount </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> a final contingent coupon payment and any previously unpaid contingent coupon payments, (ii) the price at or above which the underlying stock must close on each calculation day in order for you to earn a contingent coupon payment and any previously unpaid contingent coupon payments and (iii) the </font></FONT></FONT></P>
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                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>13</FONT></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.80pt; "><FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>price at or above which the underlying stock must close on the final calculation day so that you are not exposed to the negative performance of the underlying stock at maturity. Additionally, such hedging or trading activities during the term of the securities could potentially affect the price of the underlying stock on the calculation days, and, accordingly, whether we call the securities prior to maturity, whether we pay a contingent coupon payment on the securities and the amount of cash you will receive at maturity, if any.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, 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 style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  If the scheduled final calculation day is not a trading day or if a market disruption event occurs on that day so that the final calculation day is postponed and falls less than three business days prior to the maturity date, the maturity date of the securities will be postponed to the third business day following that final calculation day as postponed.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, 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 style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Morgan Stanley, MSFL, WFS and our or their respective affiliates may publish research from time to time on financial markets and other matters that may influence the value of the securities, or express opinions or provide recommendations that are inconsistent with purchasing or holding the securities.  Any research, opinions or recommendations expressed by Morgan Stanley, MSFL, WFS or our or their respective affiliates may not be consistent with each other and may be modified from time to time without notice. Investors should make their own independent investigation of the merits of investing in the securities and the underlying stock to which the securities are linked.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 12.0pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, 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 offered by this pricing supplement are uncertain.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The U.S. federal income tax consequences of an investment in the securities offered by this pricing supplement are uncertain. There is no direct legal authority regarding the proper U.S. federal income tax treatment of the securities, and significant aspects of the tax treatment of the securities are uncertain. Moreover, non-U.S. investors should note that persons having withholding responsibility in respect of the securities are, absent an exception, expected to withhold on any coupon paid to a non-U.S. investor, generally at a rate of 30%. We will not pay any additional amounts in respect of such withholding. You should review carefully the section entitled &#8220;United States Federal Income Tax Considerations&#8221; herein, in combination with the section entitled &#8220;United States Federal Taxation&#8221; in the accompanying tax supplement, and consult your tax adviser regarding the U.S. federal income tax consequences of an investment in the securities.</font></FONT></FONT></P>
                <P style="padding-left: 19.8pt; margin-top: 6.6pt; line-height: 12.0pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>14</FONT></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Times New Roman, Times, serif; color: #AF1E23; font-size: 11.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to the </font></U><U><font style='white-space: pre-wrap;'>Underlying Stock</font></U></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>No affiliation with UnitedHealth Group Incorporated. </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>UnitedHealth Group Incorporated is not an affiliate of ours, is not involved with this offering in any way, and has no obligation to consider your interests in taking any corporate actions that might affect the value of the securities. We have not made any due diligence inquiry with respect to UnitedHealth Group Incorporated in connection with this offering.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We may engage in business with or involving UnitedHealth Group Incorporated without regard to your interests.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> We or our affiliates may presently or from time to time engage in business with UnitedHealth Group Incorporated without regard to your interests and thus may acquire non-public information about UnitedHealth Group Incorporated. Neither we nor any of our affiliates undertakes to disclose any such information to you. In addition, we or our affiliates from time to time have published and in the future may publish research reports with respect to UnitedHealth Group Incorporated which may or may not recommend that investors buy or hold the underlying stock.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, 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 style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co., as calculation agent, will adjust the adjustment factor for certain corporate events affecting the underlying stock, such as stock splits, stock dividends and extraordinary dividends, and certain other corporate actions involving the issuer of the underlying stock, such as mergers. However, the calculation agent will not make an adjustment for every corporate event that can affect the underlying stock. For example, the calculation agent is not required to make any adjustments if the issuer of the underlying stock or anyone else makes a partial tender or partial exchange offer for the underlying stock, nor will adjustments be made following the final calculation day. In addition, no adjustments will be made for regular cash dividends, which are expected to reduce the price of the underlying stock by the amount of such dividends. If an event occurs that does not require the calculation agent to adjust the adjustment factor, such as a regular cash dividend, the market price of the securities and your return on the securities may be materially and adversely affected. For example, if the record date for a regular cash dividend were to occur on or shortly before a calculation day, this may decrease the stock closing price to be less than the coupon threshold price (resulting in no contingent coupon payment being paid with respect to such date) or the ending price to be less than the downside threshold price (resulting in a loss of a significant portion of all of your investment in the securities), materially and adversely affecting your return.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; 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; color: black; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Historical closing prices of the underlying stock should not be taken as an indication of the future performance of the underlying stock during the term of the securities.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  No assurance can be given as to the price of the underlying stock at any time, including on the final calculation day, because historical closing prices of the underlying stock do not provide an indication of future performance of the underlying stock.</font></FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>15</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 27.72pt 39.60pt 0 39.60pt; min-height: 11.88pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="594.00pt" style="margin-left: 0.0pt; width: 594.00pt; table-layout: fixed; border-collapse: collapse; ">
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>UnitedHealth Group Incorporated Overview</font></FONT></P>
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                <P style="margin-top: 2.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>UnitedHealth Group Incorporated is a health insurance and health care services company.  The underlying stock is registered under the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;). Information provided to or filed with the Securities and Exchange Commission by UnitedHealth Group Incorporated pursuant to the Exchange Act can be located by reference to the Securities and Exchange Commission file number 001-10864 through the Securities and Exchange Commission&#8217;s website at www.sec.gov. In addition, information regarding UnitedHealth Group Incorporated may be obtained from other sources including, but not limited to, press releases, newspaper articles and other publicly disseminated documents. </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Neither the issuer nor the agent makes any representation that such publicly available documents or any other publicly available information regarding the issuer of the underlying stock is accurate or complete.</font></FONT></P>
                <P style="margin-top: 2.2pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following graph sets forth the daily closing prices of the underlying stock for the period from January 1, 2021 through May 7, 2026. The closing price of the underlying stock on May 7, 2026 was $369.74. We obtained the information in the graph below from Bloomberg Financial Markets without independent verification. The historical closing prices of the underlying stock may have been adjusted for stock splits and other corporate events. The historical performance of the underlying stock should not be taken as an indication of future performance, and no assurance can be given as to the closing price of the underlying stock at any time, including on the calculation days.</font></FONT></P>
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                            <P style="margin-top: 2.2pt; line-height: 10.0pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>Common Stock of UnitedHealth Group Incorporated &#8211; Daily Closing Prices</font></FONT></P>
                            <P style="margin-top: 2.2pt; line-height: 10.0pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #AF1E23; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>January 1, 2021 to May 7, 2026  </font></FONT></P>
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                            <P style="margin-top: 2.2pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 12.0pt; ">                                    <IMG width="581.90pt" height="276.65pt" src="image4.gif" style="width: 581.90pt; height: 276.65pt; ">
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                            <P style="margin-top: 2.2pt; margin-bottom: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                <P style="margin-top: 2.2pt; margin-bottom: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This document relates only to the securities referenced hereby and does not relate to the underlying stock or other securities of UnitedHealth Group Incorporated. We have derived all disclosures contained in this document regarding the underlying stock from the publicly available documents described above. In connection with the offering of the securities, neither we nor the agent has participated in the preparation of such documents or made any due diligence inquiry with respect to UnitedHealth Group Incorporated. Neither we nor the agent makes any representation that such publicly available documents or any other publicly available information regarding UnitedHealth Group Incorporated is accurate or complete. Furthermore, we cannot give any assurance that all events occurring prior to the date hereof (including events that would affect the accuracy or completeness of the publicly available documents described above) that would affect the trading price of the underlying stock (and therefore the price of the underlying stock at the time we priced the securities) have been publicly disclosed. Subsequent disclosure of any such events or the disclosure of or failure to disclose material future events concerning UnitedHealth Group Incorporated could affect the value received with respect to the securities and therefore the value of the securities.</font></FONT></P>
                <P style="margin-top: 2.2pt; margin-bottom: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Neither the issuer nor any of its affiliates makes any representation to you as to the performance of the underlying stock.</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>16</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 27.72pt 39.60pt 0 39.60pt; min-height: 11.88pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.5pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Additional Information About the Securities</font></FONT></P>
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                <P style="margin-top: 13.2pt; margin-bottom: 13.2pt; line-height: 1.2; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 10.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Minimum ticketing size</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 / 1 security</font></FONT></P>
                <P style="margin-top: 13.2pt; margin-bottom: 13.2pt; line-height: 1.2; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 10.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Tax considerations</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You should review carefully the section in the accompanying tax supplement entitled &#8220;United States Federal Taxation.&#8221; The following discussion, when read in combination with that section, constitutes the full opinion of our counsel, Davis Polk &amp; Wardwell LLP, regarding the material U.S. federal income tax consequences of owning and disposing of the securities offered by this pricing supplement. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Generally, this discussion assumes that you purchased a security for cash in the original issuance at the stated issue price and does not address other circumstances specific to you, including consequences that may arise due to any other investments relating to an underlier. Moreover, as discussed in the section entitled &#8220;United States Federal Taxation&#8221; in the accompanying tax supplement, we have not attempted to ascertain whether any issuer of any underlier to which the securities relate is a U.S. real property holding corporation or a passive foreign investment company. You should consult your tax adviser regarding these issues, including the effect any circumstances specific to you may have on the U.S. federal income tax consequences of your ownership of a security.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In the opinion of our counsel, which is based on current market conditions, it is reasonable to treat the securities for U.S. federal income tax purposes as prepaid financial contracts with associated coupons, and any coupons as ordinary income, as described in the section entitled &#8220;United States Federal Taxation&#8212;Tax Consequences to U.S. Holders&#8212;Program Securities Treated as Prepaid Financial Contracts with Associated Coupons&#8221; in the accompanying tax supplement. There is uncertainty regarding this treatment, and the Internal Revenue Service (the &#8220;IRS&#8221;) or a court might not agree with it. A different tax treatment could be adverse to you. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We do not plan to request a ruling from the IRS regarding the treatment of the securities. An alternative characterization of the securities could materially and adversely affect the tax consequences of ownership and disposition of the securities, including the timing and character of income recognized. In particular, due to the terms of the securities and current market conditions, there is a risk that the securities could be characterized as debt instruments for U.S. federal income tax purposes, in which case the timing and character of income recognized in respect of the securities could be different from those described herein and possibly adverse to certain investors. In addition, the U.S. Treasury Department and the IRS have requested comments on various issues regarding the U.S. federal income tax treatment of &#8220;prepaid forward contracts&#8221; and similar financial instruments and have indicated that such transactions may be the subject of future regulations or other guidance. Furthermore, members of Congress have proposed legislative changes to the tax treatment of derivative contracts. Any legislation, Treasury regulations or other guidance promulgated after consideration of these issues could materially and adversely affect the tax consequences of an investment in the securities, possibly with retroactive effect. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Non-U.S. Holders. </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If you are a Non-U.S. Holder (as defined in the accompanying tax supplement), please also read the section entitled &#8220;United States Federal Taxation&#8212;Tax Consequences to Non-U.S. Holders&#8212;Program Securities Not Treated as Debt Instruments&#8221; in the accompanying tax supplement.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The U.S. federal income tax treatment of the coupons is unclear. To the extent that we have withholding responsibility in respect of the securities, we would expect generally to treat the coupons paid to Non-U.S. Holders as subject to U.S. withholding tax. Moreover, you should expect that, if the applicable withholding agent determines that withholding tax should apply, it will be at a rate of 30% (or lower treaty rate). In order to claim an exemption from, or a reduction in, the 30% withholding under an applicable treaty, you may need to comply with certification requirements to establish that you are not a U.S. person and are eligible for such an exemption or reduction under an applicable tax treaty. You should consult your tax adviser regarding the tax treatment of the coupons. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>As discussed under &#8220;United States Federal Taxation&#8212;Tax Consequences to Non-U.S. Holders&#8212;Dividend Equivalents under Section 871(m) of the Code&#8221; in the accompanying tax supplement, Section 871(m) of the Internal Revenue Code and Treasury regulations promulgated thereunder (&#8220;Section 871(m)&#8221;) generally impose a 30% withholding tax on dividend equivalents paid or deemed paid to Non-U.S. Holders with respect to certain financial instruments linked to U.S. equities or indices that include U.S. equities.  The Treasury regulations, as modified by an IRS notice, exempt financial instruments issued prior to January 1, 2027 that do not have a &#8220;delta&#8221; of one.  Based on certain representations made by us, our counsel is of the opinion that Section 871(m) should not apply to the securities with regard to Non-U.S. Holders. Our determination is not binding on the IRS, and the IRS may disagree with this determination.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-indent: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We will not be required to pay any additional amounts with respect to U.S. federal withholding taxes.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You should consult your tax adviser regarding the U.S. federal income tax consequences of an investment in the securities, including possible alternative treatments, as well as tax consequences arising under the laws of any state, local or non-U.S. taxing jurisdiction.</font></FONT></P>
                <P style="margin-top: 13.2pt; margin-bottom: 13.2pt; line-height: 1.2; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 10.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Additional considerations</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>17</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 27.72pt 39.60pt 0 39.60pt; min-height: 11.88pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Client accounts over which Morgan Stanley, Morgan Stanley Wealth Management or any of their respective subsidiaries have investment discretion are not permitted to purchase the securities, either directly or indirectly.</font></FONT></P>
                <P style="margin-top: 13.2pt; margin-bottom: 13.2pt; line-height: 1.2; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 10.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Supplemental information regarding plan of distribution; conflicts of interest</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. and WFS will act as the agents for this offering.  WFS will receive a commission of up to $15.75 for each security it sells.  WFS proposes to offer the securities in part directly to the public at the price to public set forth on the cover page of this document and in part to Wells Fargo Advisors (&#8220;WFA&#8221;) (the trade name of the retail brokerage business of WFS&#8217;s affiliates, Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC), an affiliate of WFS, or other securities dealers at such price less a selling concession of up to $10 per security.  In addition to the selling concession allowed to WFA, WFS may pay $0.75 per security of the commission to WFA as a distribution expense fee for each security sold by WFA.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In addition, in respect of certain securities sold in this offering, we may pay a fee of up to $2.00 per security to selected securities dealers in consideration for marketing and other services in connection with the distribution of the securities to other securities dealers.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>See "Plan of Distribution, Conflicts of Interest" in the accompanying product supplement for principal at risk securities for information about the distribution arrangements for the securities.  References therein to "agent" refer to each of MS &amp; Co. and WFS, as agents for this offering, except that references to "agent" in the context of offers to certain Morgan Stanley dealers and compliance with FINRA Rule 5121 do not apply to WFS.  MS &amp; Co., WFS or their affiliates may enter into hedging transactions with us in connection with this offering.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. is an affiliate of MSFL and a wholly owned subsidiary of Morgan Stanley, and it and other affiliates of ours expect to make a profit by selling, structuring and, when applicable, hedging the securities.  </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. will conduct this offering in compliance with the requirements of FINRA Rule 5121 of the Financial Industry Regulatory Authority, Inc., which is commonly referred to as FINRA, regarding a FINRA member firm&#8217;s distribution of the securities of an affiliate and related conflicts of interest.  MS &amp; Co. or any of our other affiliates may not make sales in this offering to any discretionary account.  See &#8220;Plan of Distribution (Conflicts of Interest)&#8221; and &#8220;Use of Proceeds and Hedging&#8221; in the accompanying product supplement.</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May 2026</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; width: 515.96pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #C00000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>18</FONT></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; text-align: right; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; text-transform: none; color: #A6A6A6; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #A6A6A6; font-size: 20.0pt; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="border-top:  0.50pt solid #C00000; margin-top: 6.6pt; margin-bottom: 1.1pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Market Linked Securities&#8212;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</font></FONT></P>
                <P style="border-bottom:  0.50pt solid #C00000; margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #C00000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities Linked to the Common Stock of UnitedHealth Group Incorporated due May 17, 2027</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 13.2pt; margin-bottom: 13.2pt; line-height: 1.2; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 10.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Validity of the securities</font></FONT></P>
                <P style="margin-top: 13.2pt; margin-bottom: 13.2pt; line-height: 1.2; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In the opinion of Davis Polk &amp; Wardwell LLP, as special counsel to MSFL and Morgan Stanley, when the securities offered by this pricing supplement have been issued by MSFL pursuant to the MSFL Senior Debt Indenture (as defined in the accompanying prospectus), the trustee and/or paying agent has made, in accordance with the instructions from MSFL, the appropriate entries or notations in its records relating to the master note that represents such securities (the &#8220;master note&#8221;), and such securities have been delivered against payment as contemplated herein, such securities will be valid and binding obligations of MSFL and the related guarantee will be a valid and binding obligation of Morgan Stanley, enforceable in accordance with their terms, subject to applicable bankruptcy, insolvency and similar laws affecting creditors&#8217; rights generally, concepts of reasonableness and equitable principles of general applicability (including, without limitation, concepts of good faith, fair dealing and the lack of bad faith), </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>provided</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> that such counsel expresses no opinion as to (i) the effect of fraudulent conveyance, fraudulent transfer or similar provision of applicable law on the conclusions expressed above and (ii) any provision of the MSFL Senior Debt Indenture that purports to avoid the effect of fraudulent conveyance, fraudulent transfer or similar provision of applicable law by limiting the amount of Morgan Stanley&#8217;s obligation under the related guarantee.  This opinion is given as of the date hereof and is limited to the laws of the State of New York, the General Corporation Law of the State of Delaware and the Delaware Limited Liability Company Act, except that counsel expresses no opinion as to (i) any law, rule or regulation that is applicable to Morgan Stanley or MSFL, the MSFL Senior Debt Indenture, the securities (together with the MSFL Senior Debt Indenture, the &#8220;Documents&#8221;) or such transactions solely because such law, rule or regulation is part of a regulatory regime applicable to any party to any of the Documents or any of its affiliates due to the specific assets or business of such party or such affiliate or (ii) any law, rule or regulation relating to national security.  In addition, this opinion is subject to customary assumptions about the trustee&#8217;s authorization, execution and delivery of the MSFL Senior Debt Indenture and its authentication of the master note and the validity, binding nature and enforceability of the MSFL Senior Debt Indenture with respect to the trustee, all as stated in the letter of such counsel dated February 23, 2026, which is Exhibit 5-a to the Registration Statement on Form S-3 filed by Morgan Stanley on February 23, 2026.</font></FONT></P>
                <P style="margin-top: 13.2pt; margin-bottom: 13.2pt; line-height: 1.2; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 10.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Where you can find more information</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley and MSFL have filed a registration statement (including a prospectus, as supplemented by the product supplement for principal at risk securities and the tax 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 product supplement for principal at risk securities, the tax supplement and any other documents relating to this offering that Morgan Stanley and MSFL have filed with the SEC for more complete information about Morgan Stanley, MSFL and this offering.  You may get these documents without cost by visiting EDGAR on the SEC web site at</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>www.sec.gov.  Alternatively, Morgan Stanley, MSFL, any underwriter or any dealer participating in the offering will arrange to send you the product supplement for principal at risk securities, the tax supplement and prospectus if you so request by calling toll-free 1-(800)-584-6837.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You may access these documents on the SEC web site at</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>www.sec.gov as follows:</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010326005461/dp244129_424b2-pswffmln.htm" style="word-break: break-all; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; font-size: 9.0pt; color: #296DC1; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Product Supplement for Principal at Risk Securities dated April 8, 2026</font></U></FONT></A></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010326005451/dp244874_424b2-sats.htm" style="word-break: break-all; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Tax Supplement dated April 8, 2026</font></U></FONT></A></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010326005450/dp244347_424b2-basepro.htm" style="word-break: break-all; "><FONT style="font-family: Times New Roman, Times, serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Prospectus dated April 8, 2026</font></U></FONT></A></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Terms used but not defined in this document are defined in the product supplement for principal at risk securities, in the tax supplement or in the prospectus.</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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<p style="font: 12pt/14pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><b>CALCULATION OF FILING FEE TABLES</b></p>

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<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

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end
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<SEQUENCE>8
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Submission<br></strong></div></th>
<th class="th"><div>May 11, 2026</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissionLineItems', window );"><strong>Submission [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Central Index Key</a></td>
<td class="text">0000895421<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Registrant Name</a></td>
<td class="text">MORGAN STANLEY<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_RegnFileNb', window );">Registration File Number</a></td>
<td class="text">333-293641<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FormTp', window );">Form Type</a></td>
<td class="text">S-3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissnTp', window );">Submission Type</a></td>
<td class="text">424B2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeExhibitTp', window );">Fee Exhibit Type</a></td>
<td class="text">EX-FILING FEES<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FeeExhibitTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeeExhibitTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:feeExhibitTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FormTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FormTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_RegnFileNb">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_RegnFileNb</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_SubmissionLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_SubmissionLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_SubmissnTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_SubmissnTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fees Summary<br></strong></div></th>
<th class="th">
<div>May 11, 2026 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeesSummaryLineItems', window );"><strong>Fees Summary [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_NrrtvDsclsr', window );">Narrative Disclosure</a></td>
<td class="text">The
prospectus is a final prospectus for the related offering.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_NrrtvMaxAggtOfferingPric', window );">Narrative - Max Aggregate Offering Price</a></td>
<td class="nump">$ 1,100,000.00<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTableNa', window );">Offering Table N/A</a></td>
<td class="text">N/A<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OffsetTableNa', window );">Offset Table N/A</a></td>
<td class="text">N/A<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_CombinedProspectusTableNa', window );">Combined Prospectus Table N/A</a></td>
<td class="text">N/A<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FnlPrspctsFlg', window );">Final Prospectus</a></td>
<td class="text">true<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_CombinedProspectusTableNa">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>17
<FILENAME>ex-filingfees_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2026"
  xmlns:ffd="http://xbrl.sec.gov/ffd/2026"
  xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef
      xlink:href="https://xbrl.sec.gov/ffd/2026/ffd-2026.xsd"
      xlink:type="simple"/>
    <context id="AsOf2026-05-11">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000895421</identifier>
        </entity>
        <period>
            <startDate>2026-05-11</startDate>
            <endDate>2026-05-11</endDate>
        </period>
    </context>
    <unit id="USD">
        <measure>iso4217:USD</measure>
    </unit>
    <dei:EntityCentralIndexKey contextRef="AsOf2026-05-11" id="Fact000003">0000895421</dei:EntityCentralIndexKey>
    <ffd:FeeExhibitTp contextRef="AsOf2026-05-11" id="Fact000009">EX-FILING FEES</ffd:FeeExhibitTp>
    <ffd:FormTp contextRef="AsOf2026-05-11" id="Fact000010">S-3</ffd:FormTp>
    <dei:EntityRegistrantName contextRef="AsOf2026-05-11" id="Fact000011">MORGAN STANLEY</dei:EntityRegistrantName>
    <ffd:SubmissnTp contextRef="AsOf2026-05-11" id="Fact000012">424B2</ffd:SubmissnTp>
    <ffd:RegnFileNb contextRef="AsOf2026-05-11" id="Fact000013">333-293641</ffd:RegnFileNb>
    <ffd:FnlPrspctsFlg contextRef="AsOf2026-05-11" id="Fact000014">true</ffd:FnlPrspctsFlg>
    <ffd:OfferingTableNa contextRef="AsOf2026-05-11" id="Fact000015">N/A</ffd:OfferingTableNa>
    <ffd:OffsetTableNa contextRef="AsOf2026-05-11" id="Fact000016">N/A</ffd:OffsetTableNa>
    <ffd:CombinedProspectusTableNa contextRef="AsOf2026-05-11" id="Fact000017">N/A</ffd:CombinedProspectusTableNa>
    <ffd:NrrtvMaxAggtOfferingPric
      contextRef="AsOf2026-05-11"
      decimals="0"
      id="Fact000018"
      unitRef="USD">1100000.00</ffd:NrrtvMaxAggtOfferingPric>
    <ffd:NrrtvDsclsr contextRef="AsOf2026-05-11" id="Fact000019">The
prospectus is a final prospectus for the related offering.</ffd:NrrtvDsclsr>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
