Morgan Stanley Wealth Mgmt 3.0.45

Manage your personal finances easily and securely with the Morgan Stanley Mobile App. This comprehensive app allows you to stay in control of your accounts, access important documents, deposit checks, transfer funds, and collaborate with your dedicated Morgan Stanley team from anywhere.

Account Management:

• Conveniently access your accounts with Touch ID or Face ID (for eligible devices).
• View your account balance, activity, holdings, and projected income.
• Access statements, trade confirmations, and tax documents.
• Update profile information such as address, email, and phone number.
• Link external accounts and credit cards to monitor your overall financial situation effectively.
• Analyze income and expenses, create budgets, and track financial goals.
• Set up account alerts and customize preferences.
• Trade stocks and exchange-traded funds (ETFs) directly within the app.
• Safeguard your accounts by locking your debit card temporarily if misplaced.
• Add beneficiaries to your IRA.

Enhanced Security Features:

• Configure multi-factor authentication settings to protect account access.
• Verify online sessions through push notifications on your device.
• Link compatible security keys for added access protection with physical tokens.
• Contact our Client Service Center at 1-888-454-3965 (24/7) or call collect at 1-801-617-9150 from outside the United States to speak with a Service Professional.

Effortless Money Management:

• Easily deposit checks using your mobile device's camera.
• Authorize wires and transfers with a single click.
• Send and receive money using the email address or U.S. mobile phone number of friends and family through Send Money with Zelle®.
• Transfer funds between your Morgan Stanley accounts and other financial institutions.
• Seamlessly transfer assets from external brokerage accounts into your Morgan Stanley brokerage account.
• Enjoy quick and secure bill payment using Morgan Stanley's Online Payments service.

Stay Connected with Morgan Stanley:

• Find the nearest Morgan Stanley branches for in-person assistance.
• Easily locate ATMs worldwide for convenient cash access.
• Schedule meetings with your dedicated Financial Advisor.
• Upload and share important documents with your Morgan Stanley team effortlessly.
• Stay informed with up-to-date market data and access to research reports.

Note: Standard messaging and data rates may apply. Availability subject to device connectivity.

The Morgan Stanley Debit Card is issued by Morgan Stanley Private Bank, National Association, under a license from Mastercard International Incorporated. Mastercard and Maestro are registered trademarks of Mastercard International Incorporated. The third-party trademarks and service marks mentioned herein are the property of their respective owners. Investments and services offered through Morgan Stanley Smith Barney LLC, Member SIPC.

Mobile check deposits are subject to specific terms and conditions, and checks must be drawn on a U.S. Bank. Zelle and the related marks are owned by Early Warning Services, LLC and used under license. Morgan Stanley is not affiliated with Zelle.

Electronic payments typically arrive within 1-2 business days, while check payments usually take 5 business days to reach the payee. Same-day and overnight payments are available with an additional fee within the specified payment timeframes.

© 2022 Morgan Stanley Smith Barney LLC. Member SIPC. CRC 3090089 5/20