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Business Financial Management AccountSM

Manage Cash Flow with Ease

Your daily business operations depend on consistent, reliable cash flow. With a Business FMA account, your funds are working for you all the time.

Features of the Business FMA account include:

Daily Sweep

Funds of $1 or more are automatically invested into a designated money market fund program1.

Express CreditLineSM

Draw from a line of credit secured by eligible securities of the business or a third party guarantor. Allows for greater borrowing power than a typical margin facility and requires less documentation than a traditional commercial loan. Express CreditLine2 proceeds can be used for any business purpose except to purchase, carry or trade securities, or the repayment of debt incurred from those purposes.

Investment Opportunities

Excess funds can be invested in a variety of Morgan Stanley Smith Barney products.

1 Yields are quoted as Annual Percentage Yield and represent past performance and are not a guarantee of future results.

2 Borrowing against securities may not be suitable for everyone. If the securities used as collateral decline in market value below maintenance levels, the client may be required to pay down the loan or deposit additional securities as collateral. If the client cannot do so, all or a portion of the collateral may be liquidated and a potentially taxable event may occur. A payment default may result in the loss of the pledged securities.

For more information, please contact your Financial Advisor.

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