t an t mpr o I Account on i t mora f n I - Morgan Stanley

1 Important Important Account Account Information InformationPlease read this booklet carefully and retain for your records IMPORTANT Account INFORMATION(01/2022) GWMINAIPAGE 2 OF 116NY CS 10104646 01/2022 GWMINAIC ontents4 General Information for all Accounts4 Consumer Privacy Notice January 20227 Brazilian Data Protection Notification7 Do Not Call Information for Nevada Residents7 Call Recording Notice7 Summary of Account Types Offered at Morgan Stanley8 Conflicts of Interest and Other Information13 Account Linking Service14 Electronic Delivery (eDelivery)

2 15 european Securities Subject to the Shareholder Rights Directive II15 Disclosure of Your Name to Issuers of Securities15 Tax & Legal Disclosure16 The USA PATRIOT Act16 Understanding Your Brokerage and Investment Advisory Relationships18 Account Protection19 FDIC Insurance20 Business Continuity management Program and Technology Disaster Recovery Program Overview21 Trusted Contact Authorization22 Investing and Trading23 Summary of Procedures for Certain Syndicate Offerings25 Market Transition Away from LIBOR27 Important Information Regarding the Sales and Offers of Sales of Investment Products to Military Personnel and Their Dependents27 Important Information for Clients Effecting Short Sales and/or Holding Short Stock Positions27 Summary of the Bank Deposit Program30 How Morgan Stanley and Your Financial Advisor Are Compensated33 Your Account and Service Fees41 Quarterly Automatic Liquidation of Securities for Outstanding Account and Service Fee Debits42 Important Information About Certain Investment Product Fees and Other Costs42

3 GlobalCurrencySM Accounts43 Morgan Stanley Reserved Living & Giving and Signature Access44 Incoming Foreign Currency Wires44 Morgan Stanley s Legacy Reinvestment Program46 Automatic Enrollment in the Morgan Stanley Class Action Service47 Certain Electronic Fund Transfers49 Important Disclosures Regarding Your Precious Metals Transactions52 Lending Services52 Liquidity Access LineIMPORTANT Account INFORMATION(01/2022) GWMINAIPAGE 3 OF 116NY CS 10104646 01/2022 GWMINAI54 Express CreditLine54 Tailored Lending55 Important Risk Information for Tailored Lending, Liquidity Access Line and Express CreditLine56 Margin57 Margin Disclosure Statement59 Lending Preferred Interest Rate for Express CreditLine and Margin59 Municipal Securities Rulemaking Board Client Education and Protection Brochure59 Municipal Advisor Rule.

4 Disclosures for Municipal Entities and Obligated Persons60 Short Positions in Municipal Securities60 Qualified Retirement Plan Distributions67 Important Rollover Reminder68 Guidance on After-Tax Distributions From Retirement Plans68 Important Disclosures for Structured Investments70 Mutual Fund Features, Share Classes and Compensation81 ETF Revenue-Sharing, Expense Payments and Data Analytics Fees83 Fund Liquidity Risk85 Unit Investment Trusts Features, Costs and Compensation88 Closed-End Funds89 Understanding Variable Annuities90 Understanding 529 Education Savings Plans and Compensation96 Alternative Investments102 Stop Orders and Good-Til-Canceled ( GTC )

5 Orders103 Payment for Order Flow and Other Routing Arrangements104 Notice Regarding the Order Protection Rule104 Order Handling Rules105 Notice Regarding Handling of Block Orders Under FINRA s Front Running Rule106 Extended Hours Trading Risk Disclosure Statement107 Treasury Auction Information Handling Disclosure107 Callable Securities107 Covering Short Positions Related to a Partial Call108 Spain Disclosure108 Minnesota Disclosure Notification108 Important Message to Our Clients, Including Residents of Nevada, Regarding Access to Fee and Compensation Information109 For California Residents Age 65 or Older109 Notice of Escheatment109 Important Notice for Texas Resident Mutual Fund Owners109 Canadian Addendum to Account Agreements115 Notification to Swiss Clients116 Risk & ReturnIMPORTANT Account INFORMATION(01/2022)

6 GWMINAIPAGE 4 OF 116NY CS 10104646 01/2022 GWMINAIG eneral Information for all AccountsIn the event you are considering opening an Account with Morgan Stanley or already have an Account , this booklet, in conjunction with the Morgan Stanley Client Agreement and all other applicable agreements1, will govern your relationship with Morgan Stanley and/or its direct or indirect subsidiaries, including all Account (s) that you, in all capacities, open or maintain now or in the future. It contains important information regarding your Account (s) and/or recommendations regarding Account types, securities or investment strategies involving securities you may receive.

7 Certain disclosures and/or sections of this booklet may not apply to all of your accounts, depending on the type of Account (s) that you have opened and/or the services that you have elected to receive. We request that you carefully read this and all other documents provided to for International Clients: This information is required by law and is not a promotion of Morgan Stanley s products and services. Further, not all products and services are available to all non-US to MSSB, Morgan Stanley , Morgan Stanley wealth management , we, us, or our refer to Morgan Stanley Smith Barney words you, your, yours and client refer to the Account owner(s).

8 References in this booklet to Financial Advisor refer to either a Morgan Stanley wealth management Financial Advisor or a Morgan Stanley Private wealth management Private wealth *TR ADE Acquisition a note for all clientsOn October 2, 2020, Morgan Stanley s purchase of E*TR ADE Financial Corporation ( E*TR ADE ), a financial services firm that offers online brokerage and other wealth management services, was completed. E*TR ADE and its subsidiaries, E*TR ADE Securities LLC, a FINR A and SEC registered broker-dealer, and E*TR ADE Capital management , LLC, a Registered Investment Adviser, are now affiliates of Morgan Stanley Smith Barney LLC.

9 For further information, please refer to Vance As AffiliateMorgan Stanley completed its purchase of Eaton Vance, a leading provider of advanced investment strategies and wealth management solutions. Upon close of the transaction, Eaton Vance Corp. and its principal investment affiliates Eaton Vance management , Parametric, Atlanta Capital and Calvert, became affiliates of Morgan Stanley Smith Barney LLC (MSSB), and the products of Eaton Vance and its principal investment affiliates, including the Eaton Vance Funds and Calvert Funds, became affiliated products of MSSB.

10 For further information, please refer to Consumer Privacy Notice January 2022 FACTSWHAT DOES Morgan Stanley DO WITH YOUR PERSONAL INFORMATION?Why?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we types of personal information we collect and share depend on the product or service you have with us.