Rate Monitor



2 The Annual Percentage Yield (APY) is variable and subject to change at any time.
3 Interest rate tiers are based upon value of total deposit balances in a BDP Pricing Group. For more information on BDP Pricing Groups, please see the Bank Deposit Program Disclosure Statement.

Member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.

An investment in a money market fund ("Fund") is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, if it is unable to do so, it is possible to lose money by investing in the Fund.

You could lose money by investing in a money market fund. Depending upon the type of money market fund in which you invest, a fee may be imposed upon sale of your shares or the Fund may temporarily suspend your ability to sell shares if the Fund’s liquidity falls below required minimums because of market conditions or other factors. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.

Tax Exempt funds: Income is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.

To review the Bank Deposit Program Disclosure Statement, please click here. For more information about the FDIC Insurance, please visit www.fdic.gov.

Morgan Stanley Smith Barney LLC (“Morgan Stanley Wealth Management”)—IMPORTANT DISCLOSURES

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

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