MORGAN STANLEY (MS) SEC Filings, Aug 27, 2026

MORGAN STANLEY (MS), through Morgan Stanley Finance LLC, is issuing Contingent Income Memory Buffered Auto-Callable Securities due August 28, 2031 linked to the S&P® U.S. Equity Momentum 40% VT 4% Decrement Index, with a stated principal amount of $1,000 per security and an aggregate principal amount of $300,000. The notes are unsecured obligations of MSFL, fully and unconditionally guaranteed by Morgan Stanley, and carry principal risk.

Investors may receive a contingent coupon at 9.15% per annum, paid only if on each observation date the index closes at or above the coupon barrier level of 789.336 (60% of the 1,315.56 initial level). The notes are subject to automatic early redemption from August 2027 onward if the index is at or above the call threshold level of 1,184.004 (90% of the initial level), in which case holders receive principal plus due and unpaid contingent coupons. If held to maturity without early redemption and the final index level is at or above the buffer level of 1,118.226 (85% of the initial level), investors receive full principal back (plus any payable coupons); otherwise, they lose 1% of principal for each 1% decline beyond the 15% buffer, subject to a minimum payment at maturity of 15% of principal. The estimated value on the pricing date is $910.80 per security, below the $1,000 issue price, reflecting issuing, selling, structuring and hedging costs borne by investors.

MORGAN STANLEY (MS), through Morgan Stanley Finance LLC, is offering Callable Contingent Income Buffered Securities due September 7, 2028, fully and unconditionally guaranteed by Morgan Stanley. Each $1,000 note pays a 9.90% per annum contingent coupon only if, on each observation date, all three underliers (Nasdaq-100 Technology Sector Index, Russell 2000 Index and State Street Utilities Select Sector SPDR ETF) close at or above 70% of their initial levels.

The notes are callable in whole, but not in part, on scheduled redemption dates starting December 4, 2026 if a risk neutral valuation model indicates early redemption is economically rational for Morgan Stanley. If not called, and each final underlier level is at or above its 80% buffer level, investors receive full principal back plus any final contingent coupon. If any underlier finishes below its buffer, repayment is reduced 1% for each 1% decline of the worst performer beyond the 20% buffer, subject to a minimum payment of 20% of principal, so a substantial loss of capital is possible. The estimated value on the pricing date is approximately $985.30 per $1,000 note, reflecting issuing, selling, structuring and hedging costs, and the securities are subject to Morgan Stanley’s credit risk and limited liquidity.

MORGAN STANLEY (symbol: MS) is the issuer of record for a Form 424B2 filing submitted to the SEC.

MORGAN STANLEY (MS), through Morgan Stanley Finance LLC, is offering principal-at-risk "Jump Securities with Auto-Callable Feature" due September 7, 2029, linked to the worst performing of the Dow Jones Industrial Average, the Russell 2000 Index and the State Street Technology Select Sector SPDR ETF. Each security has a stated principal amount and issue price of $1,000, with an estimated value on the pricing date of approximately $957.50 per security, reflecting issuance, selling, structuring and hedging costs.

The notes may be automatically redeemed on September 13, 2027 for a fixed $1,230 per security if all underliers are at or above their call thresholds (100% of initial levels). If not called, at maturity investors receive principal plus 170% of the gain of the worst underlier if all finish above initial levels; principal only if any are at or below initial but all stay at or above 70% downside thresholds; and a loss matching the full percentage decline of the worst underlier if any finish below the 70% threshold, potentially reducing the payment to zero. All payments depend on the credit of Morgan Stanley Finance LLC and the Morgan Stanley guarantee.

MORGAN STANLEY (MS), through Morgan Stanley Finance LLC, is offering $3,683,000 aggregate principal amount of Contingent Income Memory Auto-Callable Securities due August 27, 2031, linked to the S&P U.S. Equity Momentum 40% VT 4% Decrement Index. The notes are unsecured obligations of MSFL, fully and unconditionally guaranteed by Morgan Stanley, and are principal-at-risk.

The securities pay a 12.50% per annum contingent coupon (with a memory feature) only when the index closes at or above the coupon barrier and downside threshold of 789.336 (60% of the initial level 1,315.56) on observation dates. They auto-call if the index is at or above 100% of the initial level (1,315.56) on specified redemption determination dates, returning principal plus due and unpaid coupons. If not called and the final index level is below the downside threshold, repayment is 1:1 exposed to index losses, up to total loss of principal. The issue price is $1,000 per note versus an estimated value of $920.60, reflecting embedded costs and issuer economics. Investors do not participate in any index appreciation.

Morgan Stanley (MS), through Morgan Stanley Finance LLC, is offering callable contingent income securities due September 8, 2028 linked to the worst performing of the S&P 500, Russell 2000 and Nasdaq-100 indices. Each $1,000 security pays a contingent quarterly coupon at 8.13% per year (about $20.325 per quarter) only if, on every index business day in the quarter, each index stays at or above 60% of its initial level, the coupon barrier. If any index closes below its barrier on any day in a period, no coupon is paid for that quarter.

The notes are callable quarterly starting December 9, 2026 at par plus any due coupon, but only if a risk neutral valuation model shows it is economically rational for Morgan Stanley to redeem. At maturity, if not called and each index is at or above 60% of its initial value (the downside threshold), investors receive $1,000 plus any final coupon; if any index is below its threshold, the payoff is $1,000 multiplied by the index performance factor of the worst index, which can be less than $600 and may be zero, so principal is fully at risk. The notes are unsecured obligations of MSFL, fully and unconditionally guaranteed by Morgan Stanley, with an estimated value of about $975.20 per $1,000 on the pricing date, reflecting issuance, selling, structuring and hedging costs.

MORGAN STANLEY (MS), through Morgan Stanley Finance LLC, is offering market-linked notes due September 5, 2031 whose return depends on the Nasdaq-100 Index®. The notes are unsecured obligations of MSFL, fully and unconditionally guaranteed by Morgan Stanley, and pay no periodic interest.

At maturity, investors receive $1,000 per note plus 100% of any positive index return, capped at a maximum payment of $1,554 per note (155.40% of principal). If the final index level is at or below the initial level, investors receive only the $1,000 principal. The estimated value on the pricing date is approximately $927.80 per note, reflecting issuance, structuring and hedging costs borne by investors.

The notes are subject to Morgan Stanley’s credit risk, will not be listed on any exchange, and may have limited or no secondary market liquidity. U.S. tax treatment is expected to follow contingent payment debt instrument rules, requiring annual interest income accruals regardless of actual cash payments.

MORGAN STANLEY (MS), through Morgan Stanley Finance LLC, is offering principal-at-risk structured notes linked to the S&P® 500 Futures 40% Intraday 4% Decrement VT Index, fully and unconditionally guaranteed by Morgan Stanley, with a stated principal amount of $1,000 per security and maturity on August 29, 2031.

The notes pay a 15.00% per annum contingent coupon only if the underlier’s closing level on each observation date is at or above the coupon barrier level of 2,575.373 (75% of the 3,433.83 initial level). They are auto-callable quarterly from November 27, 2026 if the underlier is at or above the call threshold of 3,433.83, returning principal plus the applicable coupon.

If not redeemed early, at maturity investors receive principal in full only if the final underlier level is at or above the buffer level of 2,918.756 (85% of initial). Below this, principal is reduced 1% for each 1% decline beyond the 15% buffer, subject to a minimum payment at maturity of 15% of principal. The estimated value on the pricing date is $914.30 per $1,000, and all payments are subject to Morgan Stanley’s credit risk.

Morgan Stanley (MS), through Morgan Stanley Finance LLC, is offering principal-at-risk Buffered Jump Securities with an auto-call feature linked to the S&P® U.S. Equity Momentum 40% VT 4% Decrement Index, maturing on October 2, 2031. Each security has a $1,000 stated principal amount and an estimated value on the pricing date of about $906.70, reflecting issuance, selling, structuring and hedging costs. The notes pay no interest and are unsecured obligations of MSFL, fully and unconditionally guaranteed by Morgan Stanley.

The notes may be automatically redeemed quarterly from September 29, 2027 onward if the index closing level is at or above the call threshold level (100% of the initial level), for fixed early redemption payments starting at $1,192.50 per security and increasing over up to 48 determination dates, corresponding to about 19.25% per annum. If held to maturity and not previously called, investors receive $1,962.50 per security if the final level is at or above the call threshold; the stated principal amount if the final level is below the call threshold but at or above the buffer level (85% of initial); and otherwise a loss of 1% of principal for each 1% index decline beyond the 15% buffer, subject to a minimum payment at maturity of 15% of principal. Investors do not participate in any index appreciation, face significant downside risk and are exposed to Morgan Stanley’s credit risk.