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PLEASE READ THE IMPORTANT DISCLOSURES BELOW

* Buy Side from Wall Street Journal. Reprinted with permission by Dow Jones & Company, Inc.

** U.S. News and World Report

1. For details and important information about Transfer Money, please click here for a listing of the limitations, restrictions and time deadlines associated with this service.

2. As of 9/23/2024, the Annual Percentage Yield (APY) of the Premium Savings Account offered by Morgan Stanley Private Bank, National Association is 4.25%. Your interest rate and APY may change at any time and fees may reduce earnings. Please visit etrade.com/ratesheet for information regarding this account's current interest rate and corresponding APY.

3. Based on comparison to the National Deposits Savings Average Annual Percentage Yield (APY) as published on the FDIC Weekly National Rates and Rate Caps(opens in a new tab) Weekly Update, as of September 16, 2024.

4. The Premium Savings Account gives Morgan Stanley Private Bank, National Association, Member FDIC the ability to send any amount held on deposit in your Premium Savings Account to other depository accounts at Federal Deposit Insurance Corporation (“FDIC”) member banks with the purpose of affording you additional FDIC insurance coverage. The Program is designed to offer up to $500,000 in FDIC coverage to individual accounts (up to $1 million for joint accounts). Certain conditions must be satisfied to obtain pass through FDIC coverage.  Learn more.

5. No minimum initial deposit is required to open this account. However, account must be funded within 30 days to remain open.

6. With Premium Savings Account, withdrawal limits apply. Account holders are allowed up to six withdrawals or transfers (for example, using Transfer Money) from their account in any calendar month. Inbound Transfer Money transactions are not subject to any limits. If transaction limitations are exceeded, we may close the account, or convert it to a Checking account, or remove the account's transfer and draft capacity. Funds may be transferred to another Bank account by written request signed by the account holder(s), by telephone request through Bank personnel, over the internet, or by electronic funds transfer, if you subscribe to such services. See your Account Agreement for additional details.

7. As of 9/23/2024, the Annual Percentage Yield (APY) of the Max-Rate Checking Account is 3.00%. Your interest rate and APY may change at any time and fees may reduce earnings. Please visit etrade.com/ratesheet for information regarding interest rate tiers, current interest rates, and corresponding APYs.

8. Based on comparison to the National Deposits Checking Average Annual Percentage Yield (APY) as published on the FDIC Weekly National Rates and Rate Caps Weekly Update, as of 9/16/2024.

9. With Max-Rate Checking, Morgan Stanley Private Bank, National Association ("Morgan Stanley Private Bank") will not charge you a fee for withdrawing funds from any institution's ATM but the owner/operator of the ATM may charge a fee. In those cases, we will refund ATM fees charged worldwide. For additional information and important details about how the ATM fee refund will be applied, please visit the etrade.com/rateandfee for more details.

10. Morgan Stanley Private Bank may impose a charge equal to 1% of the transaction amount (including credits and reversals) for non-U.S. currency transactions charged depending on your account type. Refer to the etrade.com/rateandfee for more details.

11. Deposits held in checking accounts are FDIC insured to at least $250,000. Learn more.

12. The $15 monthly account fee can be waived when you maintain an average monthly balance of at least $5,000 in the account on or after the end of the second calendar month from opening the account. Alternatively, you can also waive the fee by 1) setting up a direct deposit of $200 or more per month to the account (a combination of direct deposits totaling $200 does not satisfy this requirement), or 2) maintaining an average monthly balance of at least $50,000 in linked Morgan Stanley Private Bank, National Association accounts on or after the end of the second statement cycle, or 3) having a combined balance of $50,000 or more in linked E*TRADE from Morgan Stanley (held at Morgan Stanley Smith Barney LLC), and employee stock plan accounts (including vested in-the-money options, stock option plan shares, ESPP shares, and released restricted stock) on the date the monthly fee is charged, or 4) having executed at least 30 stock or options trades during the prior calendar quarter in your linked E*TRADE from Morgan Stanley accounts.

13. With Checking, Morgan Stanley Private Bank, National Association ("Morgan Stanley Private Bank") will not charge you a fee for withdrawing funds from any institution's ATM but the owner/operator of the ATM may charge a fee. In those cases, we will refund ATM fees charged nationwide. For additional information and important details about how the ATM fee refund will be applied, please visit the etrade.com/rateandfee for more details.

14. Banking products and services are provided by Morgan Stanley Private Bank, National Association, Member FDIC.

15. Morgan Stanley at Work services and E*TRADE from Morgan Stanley are provided by Morgan Stanley Smith Barney LLC, member SIPC, and its affiliates, all wholly owned subsidiaries of Morgan Stanley.

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