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The Morgan Stanley Debit Card is issued by Morgan Stanley Private Bank, National Association pursuant to a license from Mastercard International Incorporated.  Manage your accounts, access account documents, deposit checks, transfer money, and collaborate with your Morgan Stanley team from virtually anywhere.  Investments and services offered through Morgan Stanley Smith Barney LLC, Member SIPC.  Keep all your personal finances at your fingertips with the Morgan Stanley Mobile App.  And do it online with multiple layers of security. • Contact our Client Service Center at: 1-888-454-3965 (24 hours a day, 7 days a week) to speak directly with a Service Professional.  Morgan Stanley is not affiliated with Zelle.  Electronic payments arrive to the payee within 1-2 business days, check payments arrive to the payee within 5 business days.  If you are outside the United States, please call collect at: 1-801-617-9150. • Send and receive money with friends and family using their email address or U. S.  The third-party trademarks and service marks contained herein are the property of their respective owners.  Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.  Mastercard and Maestro are registered trademarks of Mastercard International Incorporated.  Mobile check deposits are subject to certain terms and conditions.  Standard messaging and data rates from your provider may apply.  Checks must be drawn on a U. S. Bank.  Subject to device connectivity.  Same-day and overnight payments are available for an additional fee within the available payment timeframes. © 2022 Morgan Stanley Smith Barney LLC. Member SIPC.