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Securities, investment advisory, commodity futures, options on futures and other non-deposit investment products and services are not insured by the FDIC, are not deposits or obligations of, or guaranteed by Morgan Stanley Private Bank and are subject to investment risk, including possible loss of the principal amount invested.  Commodity futures and options on futures products and services offered by E*TRADE Futures LLC, Member NFA.  The retail online $0 commission does not apply to Over-the-Counter (OTC), foreign stock transactions, large block transactions requiring special handling, transaction-fee mutual funds, futures, or fixed income investments.  For more information, please read the Characteristics and Risks of Standardized Options and the Risk Disclosure Statement for Futures and Options prior to applying for an account.  Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.  Important Note: Futures and options transactions are intended for sophisticated investors and are complex, carry a high degree of risk, and are not suitable for all investors.  Securities products and services are offered by E*TRADE Securities LLC, Member SIPC.  This information neither is, nor should be construed as, an offer or a solicitation of an offer, or a recommendation, to buy, sell, or hold any security, financial product, or instrument discussed herein, or to open a particular account or to engage in any specific investment strategy.  View End-User License Agreement: application. com/etmobile/EULA_2. 0. © 2022 E*TRADE from Morgan Stanley. All rights reserved.  You can also view the E*TRADE Futures LLC Financial Information and Disclosure Documents.  E*TRADE charges $0 commission for online US-listed stock, ETF, and options trades.  Investing in securities products involves risk, including possible loss of principal. 1.  Download now and start investing today. • Deposit checks, pay bills, transfer money, and get unlimited ATM fee refunds with your E*TRADE debit card.  System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.  Read more about the awards E*TRADE received in StockBrokers. com 2021 Online Broker Review: application. 2.  The material provided by E*TRADE Securities LLC or any of its affiliates is for educational purposes only and is not an individualized recommendation.