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MAKE THE MOST OF YOUR CASH   
4.25% APY*
PREFERRED SAVINGS PROGRAM FOR QUALIFYING CASH




 

HELD AT EITHER:


Morgan Stanley Private Bank, National Association (MSPBNA) | Morgan Stanley
Bank, N.A. (MSBNA)



Take advantage of our Preferred Savings Program for Qualifying Cash† offer with
flexible options and more ways to save. There are two ways you may participate,
either 1) bring new cash deposits from external sources or 2) use proceeds from
the sale, income or distribution from securities in your eligible Morgan Stanley
brokerage accounts.


COMPETITIVE RATE OVER 11X THE NATIONAL SAVINGS AVERAGE(1)

Your rate may adjust at any time in accordance with the prevailing rate
environment.


CONVENIENT AND FLEXIBLE ACCESS TO FUNDS

With same day availability2, provides convenient access to your cash reserves
within your investment portfolio.


YOUR DEPOSITS ARE FDIC INSURED

Deposits are FDIC insured, up to applicable limits.



GET STARTED TODAY

Qualifying Cash deposits made in the last 30 calendar days are eligible.

Minimum initial deposit of $1,000; Maximum deposit of $10,000,000 across both
banks.

†Qualifying Cash is defined as new cash proceeds into the Banks in the last 30
calendar days, inclusive of deposits from external sources and proceeds from the
sale of money market funds, mutual funds, fixed income, equities and all other
securities, net of any cash outflows, in a client’s brokerage account. Net
proceeds from weekends and holidays will be included if they immediately precede
the first day of the 30 day period.

Terms and conditions apply (see below for details)




INTERESTED? CONTACT YOUR FINANCIAL ADVISOR OR PRIVATE WEALTH ADVISOR.

Disclosures 

* The Annual Percentage Yield (APY) as advertised is quoted as of April 3, 2023.
APY is subject to change at any time without notice, including during the
availability period.

1  Based on comparison to the National Deposits Savings average Annual
Percentage Yield (APY) as published on the FDIC Monthly National Rates and Rate
Caps—Monthly update as of March 20, 2023
(https://fdic.gov/regulations/resources/rates)

2 Withdrawal requests given to a Morgan Stanley Financial Advisor or Private
Wealth Advisor by 4:00pm Eastern Time on a business day generally will be
processed on such business day. Preferred Savings Program for Qualifying Cash is
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 Preferred Savings Program
for Qualifying Cash 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.

Offer is subject to change and availability.


This offer may be withdrawn at any time. Morgan Stanley Smith Barney LLC (MSSB)
may impose order limits at its discretion.

Deposits will be held at Morgan Stanley Private Bank, National Association
(MSPBNA) and/or Morgan Stanley Bank, N.A. (MSBNA) (Banks) for a total potential
promotional balance of up to $10,000,000 across the two Banks.

Qualifying Cash balances are calculated based on the prior day's ending Bank
Deposit Program balance.

Preferred Savings Program for Qualifying Cash is only available to brokerage
accounts. An account at MSSB is either a brokerage account or a managed account.
Managed accounts are accounts which are enrolled in certain advisory services
offered at MSSB. All other accounts are “Brokerage Accounts.” For more
information about managed accounts, please contact your Financial Advisor or
Private Wealth Advisor or go to www.morganstanley.com/ADV.


Certain account types including government entities and financial institutions
are not eligible for Preferred Savings Program for Qualifying Cash.

Preferred Savings Program for Qualifying Cash is available to clients with a
legal address of record in eligible countries.

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). 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.

Morgan Stanley Private Bank, National Association and Morgan Stanley Bank, N.A.
are Members FDIC that are primarily regulated by the Office of the Comptroller
of the Currency.

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#4877040 (04/2023)

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