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Terms and Conditions and Important Disclosures

Morgan Stanley Reserved Living & Giving is a complimentary program that rewards eligible clients of Morgan Stanley and E*TRADE. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) reserves the right in its discretion to change the terms and conditions of, or terminate, the Reserved Living & Giving (“Reserved”) program and the Signature Access program at any time and without notice. Morgan Stanley periodically reviews Reserved and Signature Access program participants' accounts and activity and may in its discretion remove program participants from either program at any time and without notice.

©2024 Morgan Stanley Smith Barney LLC. Member SIPC . | Privacy & Cookies | Morgan Stanley Online | Morgan Stanley Wealth Management All rights reserved. CRC 4021383 09/23

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