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By using E*TRADE API ("API") and accepting the terms of the API Developer License Agreement, you agree that API may employ security policies, procedures and systems of Third Party providers which may or may not be less stringent and secure than the policies, procedures and systems of Morgan Stanley Smith Barney LLC ("Morgan Stanley") or its affiliates. Material provided on API may have been produced by independent third parties not affiliated or endorsed by Morgan Stanley or its affiliates ("Third Party"). To the extent that API or Third Party providers express opinions or make recommendations, you understand that such opinions or recommendations are expressed by the Third Party provider and are not the opinions or recommendations of Morgan Stanley or its affiliates. Morgan Stanley is not responsible for the accuracy of market data displayed on API or made available by Third Party providers. There may be latency between the time an order (or other information) is submitted from API and the time the order is received by Morgan Stanley. The E*TRADE Customer Protection Guarantee does not apply. Orders created and submitted through API are not vetted until they are received by Morgan Stanley. It is possible that Morgan Stanley may reject an order placed through API. Please see the API Developer License Agreement for more information.

Banking products and services are provided by Morgan Stanley Private Bank, National Association, Member FDIC.

Securities products and investment advisory services offered by Morgan Stanley Smith Barney LLC, Member SIPC and a Registered Investment Adviser. 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., and are a part of Morgan Stanley at Work. All entities are separate but affiliated subsidiaries of Morgan Stanley. E*TRADE from Morgan Stanley and Morgan Stanley at Work are registered trademarks of Morgan Stanley.

System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.

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