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IMPORTANT DISCLOSURES

PLEASE READ THE ADDITIONAL AGREEMENT(S) AND TERMS AND CONDITIONS FOR YOUR
ACCOUNT.

E*TRADE Customer Agreement

E*TRADE Alert Terms and Conditions

E*TRADE Securities LLC and its affiliates do not provide tax advice, and you
always should consult your own tax advisor regarding your personal circumstances
before taking any action that may have tax consequences.
Content and services available to non-US participants may be different than
those available to US participants.
Stock plan administration solutions and services are offered by E*TRADE
Financial Corporate Services, Inc.

Securities products offered by E*TRADE Securities LLC (ETS), Member SIPC or
Morgan Stanley Smith Barney LLC (MSSB), Member SIPC. Investment advisory
services offered by E*TRADE Capital Management, LLC (ETCM) or MSSB. Commodity
futures and options on futures products and services offered by E*TRADE Futures
LLC, Member NFA. Stock plan administration solutions and services offered by
E*TRADE Financial Corporate Services, Inc. Banking products and services are
provided by Morgan Stanley Private Bank, National Association, Member FDIC. All
entities are separate but affiliated subsidiaries of Morgan Stanley.

Throughout 2023, ETS will be transitioning existing clients to MSSB. You will be
given advanced notice of your transition date along with detailed information
regarding the transition. Learn more about this transition.

To identify which broker-dealer is currently servicing your account(s), go to
the accounts broker-dealer page or check the bottom of your most recent account
statement.

ETS clients may find more information on the Disclosure Library page. MSSB
clients may find more information on Morgan Stanley Wealth Disclosures page.


In connection with stock plan solutions offered by E*TRADE Financial Corporate
Services, Inc., E*TRADE Securities LLC provides brokerage services to stock plan
participants.



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CHECK THE BACKGROUND OF E*TRADE SECURITIES LLC AND MORGAN STANLEY SMITH BARNEY
LLC ON FINRA'S BROKERCHECK AND SEE
E*TRADE SECURITIES LLC AND E*TRADE CAPITAL MANAGEMENT, LLC RELATIONSHIP
SUMMARY AND
MORGAN STANLEY SMITH BARNEY LLC RELATIONSHIP SUMMARY.

Investment Products • Not FDIC Insured • No Bank Guarantee • May Lose Value

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