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or contact your investment representative or Morgan Stanley Research at 1585 Broadway

document at www.morganstanley.com/researchdisclosures House Oversight Committee — Epstein Estate Records (Nov 2025)

or contact your investment representative or Morgan Stanley Research at 1585 Broadway

rating or price target referenced in this research report

document For valuation methodology and risks associated with any recommendation House Oversight Committee — Epstein Estate Records (Nov 2025)

rating or price target referenced in this research report

the individuals listed on the cover page of this report are research analysts

document Unless otherwise stated House Oversight Committee — Epstein Estate Records (Nov 2025)

the individuals listed on the cover page of this report are research analysts.

which is available at www.morganstanley.com/institutional/research/conflictpolicies

document Morgan Stanley Research has been published in accordance with our conflict management policy House Oversight Committee — Epstein Estate Records (Nov 2025)

which is available at www.morganstanley.com/institutional/research/conflictpolicies.

since Morgan Stanley Research contains more complete information concerning the analyst's views

document ratings used in Morgan Stanley Research. In addition House Oversight Committee — Epstein Estate Records (Nov 2025)

since Morgan Stanley Research contains more complete information concerning the analyst's views

the time frame for price targets included in Morgan Stanley Research is 12 to 18 months

document Unless otherwise specified House Oversight Committee — Epstein Estate Records (Nov 2025)

the time frame for price targets included in Morgan Stanley Research is 12 to 18 months.

or the market that may have a material impact on the research views or opinions stated therein. In a

document sector House Oversight Committee — Epstein Estate Records (Nov 2025)

or the market that may have a material impact on the research views or opinions stated therein. In addition

The Fixed Income Research Analysts

document The fixed income research analysts House Oversight Committee — Epstein Estate Records (Nov 2025)

strategists or economists principally responsible for the preparation of Morgan Stanley Research have received compensation based upon various factors

Morgan Stanley Research is based on public information. Morgan Stanley makes every effort to use rel

document With the exception of information regarding Morgan Stanley House Oversight Committee — Epstein Estate Records (Nov 2025)

Morgan Stanley Research is based on public information. Morgan Stanley makes every effort to use reliable

disseminates in the UK research that it has prepared

document the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority House Oversight Committee — Epstein Estate Records (Nov 2025)

disseminates in the UK research that it has prepared

research which has been prepared by any of its affiliates. RMB Morgan Stanley Proprietary Limited is

document solely for the purposes of section 21 of the Financial Services and Markets Act 2000 House Oversight Committee — Epstein Estate Records (Nov 2025)

research which has been prepared by any of its affiliates. RMB Morgan Stanley Proprietary Limited is a

which is wholly owned by FirstRand Limited. The information in Morgan Stanley Research is being diss

document Holdings Inc. and RMB Investment Advisory (Proprietary) Limited House Oversight Committee — Epstein Estate Records (Nov 2025)

which is wholly owned by FirstRand Limited. The information in Morgan Stanley Research is being disseminated by

where his teaching and research focused on consumer and

document department at the Wharton School of the University of Pennsylvania from 2009 to 2014 House Oversight Committee — Epstein Estate Records (Nov 2025)

where his teaching and research focused on consumer and

per the National Bureau of Economic Research. Since the

document GDP growth between 1970 and 2009 House Oversight Committee — Epstein Estate Records (Nov 2025)

per the National Bureau of Economic Research. Since the

” http://www.heritage.org/research/reports/2010/07/comparing-pay-in-the-federal-governmentand-the-pr

document “Comparing Pay in the Federal Government and the Private Sector House Oversight Committee — Epstein Estate Records (Nov 2025)

” http://www.heritage.org/research/reports/2010/07/comparing-pay-in-the-federal-governmentand-the-private-sector