PBG Offers: Cash Management | Home Buying | Securities-Based Lending

Morgan Stanley provides a suite of cash management and lending solutions to help complement clients’ investment strategies.  Among the many benefits of working at Morgan Stanley is access to these solutions at special employee discounts and offers.
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Exclusive Employee Benefits for Cash Management, Home Loans Solutions and Securities Based Loans
MANAGING YOUR EVERYDAY FINANCES

Managing your finances should include efficiently managing your everyday finances alongside your long term investments.  The Morgan Stanley Active Assets Account (AAA) offers you the ability to manage your day-to-day finances such as depositing checks, withdrawing cash and paying your household bills in one account alongside your investments or if you choose, in a separate AAA account.  Morgan Stanley Employees and Employee-related accounts are eligible for exclusive benefits such as:

· No annual account fees on as many Active Assets Accounts and no minimum balance required.

· Unlimited ATM fee rebates at over 2 million ATMs worldwide with the Morgan Stanley Debit Card.

· Special employee qualification for the Premier Cash Management program with benefits that include identity protection, fee waivers and other premium services.

HOME LOAN SOLUTIONS

Whether you are looking to buy a home, refinance your mortgage or help family realize their home ownership goals, we may be able to help you find a financing solution for your needs.  Morgan Stanley Employees may have access to:

· Conforming mortgages1 – receive a reduced interest rate plus a $300 credit for loans fees for conforming mortgages.

· Jumbo mortgages2 – employees are eligible for large loans or other discounts that may be offered to clients.

LENDING NEEDS

Tapping into the value of your investments does not always mean selling them. If you qualify, Morgan Stanley Securities Based Loans can offer convenient access to funds to help you pay taxes, fund real estate needs, finance college education or consolidate outstanding debt.

· Employees are eligible for a 75 basis point discount on published rates for securities based loans.

 To learn more about other Morgan Stanley employee offers type “offers” in your browser.
1 Loans under $453,100
2 Loans over $453,100
Borrowing against securities may not be suitable for everyone.  You should be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association (“MSPBNA”), an affiliate of Morgan Stanley Smith Barney LLC.  The information contained herein should not be construed as a commitment to lend.  MSPBNA is an Equal Housing Lender and Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. Nationwide Mortgage Licensing System Unique Identifier #663185.
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 1940910-11/17
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