1 Annual Percentage Yield (APY) is variable and subject to change at any time. Promotional rates may also be offered from time to time.
2 An account at Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is either a Brokerage account or an Investment Advisory account. Investment Advisory accounts are accounts which are enrolled in certain Investment Advisory Programs offered at Morgan Stanley. All other accounts are “Brokerage Accounts.” For more information about Investment Advisoryaccounts, please contact your Financial Advisor or Private Wealth Advisor or go to www.morganstanley.com/ADV.
3 Interest rate tiers are based upon value of eligible assets in accounts included in your Savings Pricing Group. For more information on Savings Pricing Groups see the Savings Program Disclosure Statement.
Under the Savings and Preferred Savings programs (“Savings”), Morgan Stanley Smith Barney LLC makes available interest-bearing FDIC insured deposit accounts(s) at either Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A., each a national bank, Member FDIC, and an affiliate of Morgan Stanley Smith Barney LLC, as selected by the client. Deposits placed in Savings are eligible for FDIC insurance up to $250,000 (including principal and interest) per depositor, per each bank selected by the client for all deposits held in the same insurable capacity (the Maximum Applicable Deposit Insurance Amount), provided that certain conditions are satisfied. All deposits per bank held in the same insurable capacity will be aggregated for purposes of the Maximum Applicable Deposit Insurance Amount, including deposits maintained through the Bank Deposit Program. The client is responsible for monitoring the total amount held with each bank. The bank also reserves the right to offer promotional rates from time to time. Detailed information on federal deposit insurance coverage is available on the FDIC’s website (https://www.fdic.gov/deposit/deposits/). The Savings programs are not intended for clients who need to have frequent access to funds and those funds will not be automatically accessed to reduce a debit or margin loan in your brokerage account. Withdrawals from an account in Savings are limited to 10 transactions per calendar month, and any withdrawal or transfer over the limit in any one calendar month will be subject to an excess withdrawal fee.
To review the Savings Program Disclosure Statement, please click here. For more information about the FDIC Insurance, please visit www.fdic.gov.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking-related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
©2026 Morgan Stanley Smith Barney LLC, Member SIPC
CRC# 5795943 (08/2026)