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Morgan Stanley Financially Fit Morgan Stanley Financially Fit is a new digital financial education program you can extend to your clients. It was developed to help you deepen relationships with your clients and their families. The courses are age-specific and cover personal finance topics that include savings, investments, college financing, budgeting and more. This tool offers another way you can help educate your clients about financial opportunities and pitfalls. Issues involving wealth planning, charitable giving and money management can be addressed by you, while knowing you are backed by the firm’s resources, including this new tool. Personalized, Self-Paced Tool Dynamic, Engaging Platform Ideal Learning Experience Access to courses covering hundreds of personal finance topics that educate and empower participants to work toward specific financial goals. Interactive elements, such as gaming and personal finance simulations, engage users to test the material covered in the program. Keep in mind that such a hands-on experience can prompt productive dialogue about a family’s financial needs — and that may require your guidance. You can track the users’ progress and course completion, which enables you to help clients identify financial topics you can discuss with them. For Internal Use Only — Not for Public Distribution MORGAN STANLEY FINANCIALLY FIT PROGRAM Why Should I Use the Program With Clients? Through the digital financial curriculums, you make available a personalized, interactive learning experience that covers age groups from elementary school to adulthood. This tool can help ensure that the Millennial segment receives access to financial education that can help them in the future. Beyond that, we all know that as families work toward their financial goals, they often are reluctant — or don’t know how — to talk with the next generation about financial matters, especially on topics that may touch on their own finances. This new tool can encourage conversations between you and your clients, and it may facilitate meaningful financial conversations between your clients and their children or other loved ones. Program Tool Benefits Personalized invitations that can be sent through the online program dashboard to your clients and their family members. Rich assessment tools allowing you to track and monitor course usage and online behavior. Ongoing ideas on how to use the tool to engage and start conversations with your clients and their families. Personalized training and technical support for you and your clients’ families. In-platform messaging center allowing your clients to provide you with valuable feedback and insights. To learn more about Morgan Stanley Financially Fit, type FinanciallyFit in your browser or go to 3DR > Solutions > Wealth Management > Wealth Planning > Morgan Stanley Financially Fit MORGAN STANLEY FINANCIALLY FIT PROGRAM Four core training modules for children in grade school, high school, college and adulthood. VAULT GRADE SCHOOL PROGRAM TOPICS • Trade-offs between saving and spending • Different saving methods • Establishing a budget • Giving to charity • Responsibilities in borrowing money • Role of health insurance • Various investment vehicles EVERFI HIGH SCHOOL PROGRAM TOPICS • Different types of saving • Importance of budgeting • Structure of the US banking system • Bank account types, features and fees • Stocks, bonds, mutual funds and index funds • Retirement plan basics • Credit cards: their use, fees and offers • Managing debt • Definition of credit scores and credit reports • How to pay for college — financial aid, college loans and FAFSA applications • Home ownership versus renting • Identity theft and consumer fraud TRANSIT COLLEGE PROGRAM TOPICS • Managing financial aid, grants, student loans and scholarships • Budgeting • Lifestyle expenses • Credit card use and fees • Cyber security • Long-term financial goals EVERFI @WORK ADULT PROGRAM TOPICS • Understanding credit scores and reports • Overdraft coverage and fees • Home ownership and mortgages • Checking accounts, debit card and credit card features and fees • Consumer fraud, identity theft • Effect of taxes on take-home pay • Saving for college education, 529 plans Morgan Stanley Financially Fit is powered by EverFi, an education technology company that develops web-based learning tools focused on teaching, assessing, and certifying learners in the financial skills that life demands. The program offers four engaging, age-appropriate online learning experiences, starting in grade school and progressing through high school, college and adulthood. Learners can explore a range of topics important to the management of wealth, including budgeting, saving and investing, debt and credit, taxation, philanthropy and overall financial decision-making. Morgan Stanley Financially Fit is a tool being made available to you by Morgan Stanley Smith Barney LLC for use with your clients and their families through a licensing agreement with a third party, EverFi Inc. (“EverFi”). The information contained therein is from sources deemed to be reliable but is not guaranteed and do not necessarily reflect the views, opinions or advice of Morgan Stanley Smith Barney LLC, Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association, (collectively referred to as “Morgan Stanley”) or its affiliates. Morgan Stanley makes no representations or guarantees as to the accuracy or completeness of information or data and is not responsible for the information or data contained in this document. Neither the information provided nor any opinion expressed constitutes either a recommendation by Morgan Stanley and its employees or a solicitation for the purchase or sale of any security. © 2015 Morgan Stanley Smith Barney LLC. Member SIPC. CRC1067810 (02/15) CS 8041260 06/15