Important Account Information And Disclosures

Morgan Stanley recognizes the critical importance of a healthy environment to our global society, our economy, our business and our people. To reduce the amount of physical mail clients receive and in effort to make a difference in the world and your financial life, we have made the following disclosures available to you electronically. If you are having trouble viewing the documents please notify us at the location servicing your account(s).

I.     Client Relationship Summary (Form CRS)

II.    Important Account Information Booklet

III.   Form ADV Brochures

IV.   Single Advisory Contract

V.    Fiduciary Acknowledgment

VI.   Rollover Guide

VII.  Traditional IRA Plan Documents and Disclosures

VIII. Roth IRA Plan Document and Disclosures

IX.   Coverdell Education Savings Accout Plan Document and Disclosures

X.    SIMPLE IRA Plan Document and Disclosures

XI.   Morgan Stanley National Advisory 529 Plan Program Documents

XII.  Options Disclosure Document: Characteristics and Risks of Standardized Options