* Certain terms, conditions, restrictions and exclusions apply. Please refer to the Morgan Stanley Debit Card Terms and Conditions for additional information.

† The qualifying criteria to avoid the monthly account fee for all CashPlus Accounts in an Account Link Group (ALG) is:  an additional eligible Morgan Stanley investment account (that may include additional fees), one Morgan Stanley Online enrollment; for Premier CashPlus account $2,500 monthly deposit or $25,000 Average Daily Balance; for Platinum CashPlus account $5,000 monthly deposit and $25,000 Average Daily Balance.  For more information, please refer to the CashPlus Account Disclosure Statement.

¹ A monthly account fee will be charged but can be avoided if you met certain criteria.  Third party cash management fees may apply.

² While Morgan Stanley does not charge for this service, some banks may charge a fee that is either a fixed amount or a percentage of the withdrawal.

³The Morgan Stanley Debit Card is issued by Morgan Stanley Private Bank, National Association pursuant to a license from Mastercard International Incorporated. Mastercard and Maestro are registered trademarks of Mastercard International Incorporated. The third-party trademarks and service marks contained herein are the property of their respective owners. Investments and services offered through Morgan Stanley Smith Barney LLC, Member SIPC.

⁴ CashPlus Accounts receive SIPC coverage for securities and free credit balances and cash swept into the Bank Deposit Program receives FDIC insurance, both up to applicable limits.

Securities Investor Protection Corporation (“SIPC”) — Morgan Stanley Smith Barney LLC is a member of SIPC, which protects securities of its customers up to $500,000 (including $250,000 for claims for cash). Losses due to market fluctuation are not protected by SIPC. To obtain information about SIPC, including an explanatory SIPC brochure, contact SIPC at 1-202-371-8300 or visit www.sipc.org.

Federal Deposit Insurance Corporation (“FDIC”) — Cash balances swept into deposit accounts at participating banks in the Bank Deposit Program are protected by FDIC Insurance up to applicable FDIC limits. FDIC insurance is a federal government program administered by the Federal Deposit Insurance Corporation. This insurance covers bank deposits held in checking accounts, savings accounts, certificates of deposits and money market deposits (not money market funds). This insurance comes into play in the event of a bank failure and covers client cash up to a total of $250,000, per bank, for each “insurable capacity” (e.g. each individual, joint, etc.). It does not cover investment products that are not deposits, such as mutual funds, annuities, life insurance policies, stocks or bonds. Refer to https://www.fdic.gov for additional details.

⁵ There is no cost for this feature; however, interest charges may apply if funds are transferred from available margin in your Active Assets Account (AAA) or from your Liquidity Access Line (LAL). (LAL terms and conditions apply).

⁶ Subject to connectivity and certain terms and conditions.

⁷ Platinum CashPlus clients are eligible for the Annual Engagement Bonus (the “Bonus”) if they 1) are the Basic Card Member (primary account holder) of the Platinum Card® from American Express Exclusively for Morgan Stanley (the “Card”); or 2) spend at least $100,000 during the calendar year across Morgan Stanley Debit Cards associated with Platinum CashPlus Accounts in their ALG (the “Debit Card Use Threshold”) . 

Basic Card Members who apply for, and are approved for, the Card on or after July 1, 2021 will be eligible to receive a Bonus of $695. Basic Card Members with Card Account opening anniversary months taking place through December 31, 2021 will be eligible to receive a Bonus of $550.  Effective January 1, 2022, all Basic Card Members will be eligible for the $695 Bonus, which will be paid starting February 1, 2022. Clients who qualify for the Bonus by meeting the Debit Card Use Threshold are eligible to receive the $695 Bonus, which is typically paid in January of the following calendar year.

Each ALG is eligible for one bonus per calendar year. Each client is only eligible for one bonus per calendar year. For more information please refer to the CashPlus Account Disclosure Statement at https://www.morganstanley.com/wealth-disclosures/cashplusaccountdisclosurestatement.pdf

⁸ Enrollments per ALG.

An ALG is a group of accounts with the same mailing address which a client opts to consolidate for purposes of statement mailings and online access.  Each ALG receives its statements in a single envelope, in a consolidated format, with a summary page showing the value of each linked account.

Under the Bank Deposit Program, generally cash balances held in account(s) at Morgan Stanley Smith Barney LLC (“MSSB”) are automatically deposited by MSSB into an interest bearing FDIC-insured deposit account(s), at Morgan Stanley Bank, N.A. and/or Morgan Stanley Private Bank, National Association, each a national bank, Member FDIC, and an affiliate of MSSB. Detailed information on federal deposit insurance coverage is available on the FDIC’s website (https://www.fdic.gov/deposit/deposits/). Cash balances generally include the uninvested cash in a client’s account(s) minus certain items such as purchase transactions due to settle within a specified time period, other charges to a client’s account(s), and cash balances that are designated as collateral for a client’s obligations.

The Greenlight App and Debit Card is provided by Greenlight Financial Technologies, not Morgan Stanley or any of its affiliates.  Morgan Stanley has entered a referral partnership with Greenlight Technology Inc., the program manager for the Greenlight card and related mobile application. Greenlight charges a usage fee of $4.99 per month.  Morgan Stanley will reimburse this $4.99 monthly fee to Greenlight on your behalf for one Greenlight account (up to five minors under 18 years old) as long as the following conditions are met::

i)  Enroll in Greenlight using the enrollment link on Morgan Stanley Online or Mobile;

ii) Enroll in the Greenlight standard plan (currently $4.99/month (subject to change).  Greenlight  +Invest and Greenlight Max or any other current and future products are excluded from this offer; and

iii) Link a CashPlus Account for the Greenlight debit card funding.

Limited to one free Greenlight enrollment per CashPlus ALG.

This fee waiver only applies while you fund the Greenlight Debit Card from your CashPlus Account.  Other Morgan Stanley accounts are not eligible for this offer and the Greenlight usage fee will no longer be waived if you close the associated CashPlus account or change the funding source on the Greenlight Debit Card to any other account type, including another Morgan Stanley non -CashPlus account type.

Please review the Greenlight terms and conditions and other applicable fees for the service at Greenlightcard.com before enrolling (such terms are subject to change at any time) Only the monthly usage fee is waived.  You are responsible for all other fees associates with the use of the Greenlight service.

©2021 Greenlight Financial Technology, Inc. Patents Pending.  The Greenlight card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Message and data rates may apply.

The Platinum Card® from American Express exclusively for Morgan Stanley is only available for clients who have an eligible Morgan Stanley Smith Barney LLC brokerage account (“eligible account”). An “Eligible Account” is a brokerage account (i) held in your name, (ii) held by a trust where you are both the grantor and trustee of such trust, or (iii) held as a beneficial owner of a personal holding company, a non-operating limited liability company, a non-operating limited partnership, or a similar legal entity. American Express will only issue the Platinum Card® from American Express exclusively for Morgan Stanley to (1) a eligible Morgan Stanley client who is an individual; and (2) an individual associated with a eligible Morgan Stanley client (if the eligible Morgan Stanley client itself is not an individual). Eligibility is subject to change. American Express may cancel your Card Account and participation in this program, if you do not maintain an Eligible Morgan Stanley brokerage Account.

The Platinum Card® from American Express exclusively for Morgan Stanley is issued by American Express National Bank, not Morgan Stanley Smith Barney LLC. Services and rewards for the Cards are provided by either Morgan Stanley Smith Barney LLC, American Express, or other third parties. Restrictions and other limitations apply. See the terms and conditions for the Cards for details. Clients are urged to review fully before applying. Morgan Stanley, its affiliates, and Morgan Stanley Financial Advisors and employees are not in the business of providing tax or legal advice. Clients should speak with their tax advisor regarding the potential tax implications of the Rewards Program upon their specific circumstances.

American Express may share information about your Card Account with Morgan Stanley in support of Morgan Stanley programs and services. For information as to how Morgan Stanley will use your Card Account data please visit https://www.morganstanley.com/wealth/investmentsolutions/pdfs/adv/mssb_privacynotice.pdf.  

©2021 Morgan Stanley Smith Barney LLC. Member SIPC.

The Platinum Card® from American Express Exclusively for Morgan Stanley is issued by American Express National Bank.

©2021 American Express National Bank. 

The CashPlus Account is a brokerage account offered through Morgan Stanley Smith Barney LLC.  Conditions and restrictions apply.  Please refer to the CashPlus Account Disclosure Statement for further details. 

Electronic payments arrive to the payee within 1-2 business days, check payments arrive to the payee within 5 business days. Same-day and overnight payments are available for an additional fee within the available payment timeframes.

The Morgan Stanley Mobile App is currently available for iPhone® and iPad® from the App StoreSM and AndroidTM on Google PlayTM. Standard messaging and data rates from your provider may apply.  Subject to device connectivity.

Send Money with Zelle® is available on the Morgan Stanley Mobile App for iPhone and Android and on Morgan Stanley Online. Enrollment is required and dollar and frequency limits may apply. Domestic fund transfers must be made from an eligible account at Morgan Stanley Smith Barney LLC (Morgan Stanley) to a U.S.-based account at another financial institution. Morgan Stanley maintains arrangements with JP Morgan Chase Bank, N.A. and UMB Bank, N.A. as NACHA-participating depository financial institutions for the processing of transfers with Zelle®. Data connection required, and message and data rates may apply, including those from your communications service provider. Transactions typically occur within minutes. To receive money in minutes, the recipient’s email address or U.S. mobile number must already be enrolled with Zelle®. See the Send Money with Zelle® terms for details.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Morgan Stanley is not affiliated with Zelle®.

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

CRC#3952948  (12/2021)