For more information about the Bank Deposit Program, including Deposit Limits, please contact your Financial Advisor or review the Bank Deposit Program Disclosure Statement (PDF). Detailed information on federal deposit insurance coverage can be found on the FDIC's Web site.

The Base Rate is Morgan Stanley Smith Barney's proprietary interest rate. It is determined by Morgan Stanley Smith Barney and is based on our blended short and long-term funding costs. For Base Rate-based loans, the interest paid will be the Base Rate plus or minus an incremental amount. The amount of the increment varies depending on the loan size. The increment is generally a fixed amount but may be individually negotiated. The Base Rate plus the increment is expressed as an annual rate, but will be charged to your account monthly. Loans based on the Base Rate will be available from Morgan Stanley Smith Barney only in U.S. Dollars. For more information, please speak to your Morgan Stanley Smith Barney advisor.

1 - Seven (7)-Day current SEC yield (annualized) for the 7-day period ended on the date shown. The annualized current 7-day SEC yield reflects the amount of income generated by the investment during a seven-day period and assumes that the same income is generated each week over a 365-day period.

2 - Seven (7)-Day effective SEC yield (annualized) for the 7-day period ended on the date shown. The annualized effective 7-day SEC yield is the current yield with the assumption that income earned by the investment is reinvested at the end of the 7-day period.

The yields (1) & (2) quoted represent past performance, which is not a guarantee of future results. Investment returns and yields will fluctuate, so that investor's shares, when redeemed, may be worth more or less than their original cost. Although each money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in these funds. An investment in these funds is not guaranteed or insured by the FDIC or any other government agency. For more complete information, include fees, expenses and risks, request a prospectus from your advisor. Read it carefully before you invest.

3 - Any account that is not an Investment Advisory Account is a Brokerage Account. Investment Advisory Accounts are generally subject to an asset-based fee and include, but are not limited to, accounts enrolled in the Smith Barney Advisor, Consulting Group Select, Fiduciary Services and Portfolio Management Programs. Please speak with your Financial Advisor for a complete list of Investment Advisory Programs.

4 - Interest rate tiers are based upon the value of eligible assets in accounts included in your Statement Consolidation Plus Relationship. A Statement Consolidation Plus Relationship allows the value of eligible assets in securities accounts within a household to be grouped together to determine the interest rate tier for the Deposit Accounts held through the securities accounts. For more details, please review the Bank Deposit Program Disclosure Statement (PDF).

5 - Annual Percentage Yield (APY) is variable and subject to change at any time.

* Income is subject to state and local taxes, and some portion may be subject to the Federal Alternative Minimum Tax (AMT) for certain investors. Capital gains, if any, are fully taxable.

No guarantees are offered as to accuracy. Not responsible for typographical errors.