Commercial Banking and Lending for Morgan Stanley Smith Barney Business Clients. Knowing me. Knowing my business.

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1 Commercial Banking and Lending for Morgan Stanley Smith Barney Business Clients Knowing me. Knowing my business.

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3 Commercial Banking Your Morgan Stanley Smith Barney Financial Advisor considers all aspects of your financial life Personal investments, daily cash needs of your business, tuition bills, payments to vendors, the mortgage on your home and the financing to expand into new markets. Because we get to know you and the bigger picture of your entire financial life, we can help structure a different approach to commercial banking and lending for your business. It s an approach that views a relationship not in terms of transactions, but as part of an overall strategy; one that recognizes how decisions made for one piece of your wealth puzzle can potentially improve, or diminish, another. When it comes to your business, we can apply this very approach to address your deposit, treasury management and credit needs through an association with Citibank, whose experienced banking and lending professionals help businesses achieve their financial objectives every day, all over the world. We will work with you to find structures that carefully consider your company s assets and liabilities, the new products you plan to launch, the people who will make it happen, the equipment and the space you need. Drawing on specialists from Citibank, we can help you evaluate all your banking and financing options, giving you the ability to select the ones that complement your business goals and make sense within the context of a long-term plan. 1

4 Deposit and Treasury Management Services Cash flow is your lifeblood, and we understand that you rely on timely collections and disbursements in order to sustain your business. Leveraging Citibank s resources, we can talk about services such as electronic payments and multicurrency transaction services, payment collection and consolidation, as well as services such as sweep accounts, fraud protection, and account information and reporting. COMMERCIAL Deposit Services Citibank offers branch access and a full array of FDIC-insured accounts at very competitive rates, including checking, money market, savings and certificates of deposit. These are the foundation for the day-to-day financial management of your business. Treasury Management Services Collections Remote Check Deposit lets you scan checks you receive throughout the day and deposit them electronically until 6:00 p.m. local time, extending the time window for same-day deposits and eliminating trips to the bank. National network of lockbox processing sites lets you accelerate remittance collection by minimizing mail and collection float. Imaging services enhance your customer service and cash application process. Payments Electronic payments can be made via wire transfer with 6:00 p.m. EST cut-off or via Automated Clearing House (ACH). Controlled disbursement service lets you improve your control over daily forecasting. Account reconciliation services save you administrative time and processing costs with detailed information on transaction activity and your choice of full or partial reconciliation. Special fraud control features include Positive Pay, which automatically compares checks received for payment against your issued check record and ACH Block and Filter Service, which lets you block unauthorized debits to your account. CitiBusiness Online Banking Access your Citibank business accounts any time, from any computer with Internet access. Advanced security features help to ensure that your information and transactions are managed safely and privately. View and print real-time cash positions, online statements and check images. Transact immediately with instant confirmation same-day fed funds transfers until 6:00 p.m. EST. Invest idle cash balances. Receive increased protection from fraud through the use of a security token that generates singleuse passwords. 2

5 Commercial Banking BUSINESS LENDING SERVICES Citibank s global financial network can provide strategic sources of financing to help your business take advantage of just about any opportunity it might be facing business growth, working capital, refinancing, even acquisitions and buyouts. Lines and letters of credit, term loans and commercial mortgages are just a few of the tools we can explore with dedicated lending specialists from Citibank. Revolving Credit Lines If your cash flow is cyclical, Citibank can provide access to a line of credit for your ongoing business needs up to a preestablished amount. Term Loans Financing for equipment or other fixed-asset purchases, which can be structured according to your specific needs. Owner-Occupied Commercial Mortgages Mortgage financing with competitive pricing and terms. INTERNATIONAL TRADE SERVICES For clients managing worldwide business operations, Citibank s international trade services enable clients to take advantage of global markets for the sourcing and selling of products. Citibank provides industry-leading trade settlement, effective mitigation of interest rate risk, innovative trade finance and more. FOREIGN CURRENCY and INTEREST RATE HEDGING SERVICES Our colleagues at Citibank can also help you effectively manage interest rate and currency risk for your business, offering protection for investments such as International Letters of Credit and helping you manage your international business operations. Hedging strategies can offer safeguards against interest rate volatility, and foreign currency strategies can help protect company profits by simplifying execution, transaction confirmations, settlements and position monitoring. 3

6 Your Morgan Stanley Smith Barney Financial Advisor is invested in the long-term success of both your business and you. Whether your needs include something as straightforward as a deposit account or a working capital line of credit, or something more sophisticated such as funding for the development of a new manufacturing facility, your Financial Advisor will be your advocate, working with you to streamline the process at every turn. You ll have the opportunity to work with specialists who have years of experience solving just about every problem for businesses like yours and can help you address the opportunities that you may encounter. Ask your Morgan Stanley Smith Barney Financial Advisor for details about what we can do for you and your business. 4

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8 All CitiBusiness checking accounts are fully guaranteed by the FDIC through December 31, Savings and money market accounts are insured up to $250,000 per depositor through December 31, 2013, after which the standard insurance amount will return to $100,000 per depositor for all account categories except certain retirement accounts, which will remain at $250,000 per depositor. All commercial loans and lines are provided by Citibank, N.A., equal opportunity lender. All credit products are subject to satisfaction of Citibank s underwriting guidelines and credit approval. Banking and credit products and services are provided by Citibank, N.A. Member FDIC and/or its banking or lending affiliates. Minimum balances and/or fees may apply to certain products see your Citibank representative for details. Citibank and CitiBusiness are trademarks and service marks of Citigroup Inc. or its affiliates, and are used and registered throughout the world. Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer s particular circumstances from an independent tax advisor. Investments and services through Morgan Stanley Smith Barney LLC. Member SIPC Morgan Stanley Smith Barney LLC. CLF CLS /09