OneView. Your financial life. Consolidated into one view.

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1 OneView Your financial life. Consolidated into one view.

2 Welcome to OneView. From banking relationships and brokerage accounts to trusts, insurance and retirement plans the financial lives of most people are characterized by complexity. They often maintain multiple relationships with financial services providers but seldom get to view all their assets and liabilities together in one convenient location at least not without spending considerable time and energy on gathering documents and contacting various financial institutions. OneView from Morgan Stanley simplifies this process substantially. Regardless of where your accounts may be held, OneView can help you organize your financial life. By enrolling all your accounts including investments, retirement plans, loans, banking and credit cards you gain a holistic view of your financial life that is always available on our client website at With a current, comprehensive understanding of your overall financial situation, you and your Financial Advisor will be better positioned to more effectively carry out your wealth management strategy.

3 3 all YoUr assets WorKinG together / P3 / OneView helps simplify your financial life by aggregating all your enrolled account data in one convenient location. aggregation MadE SiMPLE / P4 / No matter where you maintain your accounts, you can aggregate your financial data on OneView without the hassle of gathering financial documents from various institutions and transmitting them to your Financial Advisor. 7 4 ProtEctinG YoUr PriVacY / P7 / State-of-the-art technology simplifies enrollment and protects your privacy.

4 2Clarity

5 clarity / an integrated VieW of YoUr total finances All your assets working together Most people pursue their financial objectives through a variety of strategies formulated at different times strategies that once made perfect sense but may no longer be appropriate. Even worse, they might actually be working at cross-purposes with your current goals. A long neglected 401(k) plan is allocated as if you were planning to work for another 20 years, even though you re recently retired. Your holdings aren t as diversified as you thought they were, with overlap among several securities held in multiple accounts and retirement plans. The CDs you purchased as part of your retirement savings are earning negligible rates of return and may not generate sufficient income to help you achieve your retirement goals. By enrolling all your accounts in OneView, you and your Financial Advisor will have a single integrated view of your finances, so you can begin to sort out what still makes sense from what might actually be hindering your progress. Your Financial Advisor gains the insight needed to better identify risks and opportunities that might be addressed through your Morgan Stanley account. You gain the confidence of knowing that your finances are thoughtfully aligned with your overall wealth management strategy. 3

6 convenience / immediate access to all YoUr financial information Aggregation made simple Aggregating data from numerous financial institutions may seem to be a daunting task but, with OneView, it s easy. All you need is online access to your various accounts. With linkage to more than 12,000 data sources, OneView gathers transactions, balances and other data without manual intervention. That means you don t have to contact financial institutions, request documents and transmit them to your Financial Advisor. Simply enroll all of your accounts and OneView updates your data automatically every day. You and your Financial Advisor can view your integrated financial picture, which is always up-to-date, right on our client website at 4

7 Convenience 5

8 6Security

9 SEcUritY / safeguarding YoUr data Protecting your privacy Enrolling in OneView is as secure as it is simple. Your Financial Advisor will help you get started and provide you with complete instructions for enrolling accounts from banks, retirement plan administrators, insurance providers, credit card companies and other financial services organizations. Protecting your privacy is paramount and data is transferred in a read-only format that cannot be altered. In addition, your personal information and financial data are fully protected through multilayered technology that features comprehensive, multifactor authentication, as well as the strongest data encryption available. In fact, OneView employs the same technology that leading global financial institutions have developed to safeguard Internet banking and investment activities. 7

10 coordination / better informed financial decisions Sharpening your financial focus, simplifying your financial life No one sets out to complicate their finances. Complexity is simply a by-product of wealth accumulated over time and strategies developed by numerous sources that didn t always have the benefit of working with each other. With OneView, your Financial Advisor has the additional insight needed to be at his or her best. The information that OneView provides can enable your Financial Advisor to act quickly in uncertain markets and formulate recommendations that take this integrated view of your finances into account. Going forward, you gain the advantage of being able to turn to one trusted professional who truly understands all the components of your financial life and how they mesh together better enabling them to work with you to help keep your financial strategy on track. For more information, contact your Financial Advisor today. 8

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