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Morgan Stanley EXTRADE 6 Combination Generates Significant Funding Synergies and Enhanced Deposit Profile Morgan Stanley Total Deposits and Cost of Deposits (1) 21% 31% E*TRADE (2) $190Bn + (105bps) $56Bn (34bps) 15% 64% 8% 61% Bank Deposit Program Savings Deposits Time Deposits Off-Balance Sheet Deposits Replace Morgan Stanley's Wholesale Bank Funding with E*TRADE's Off-Balance Sheet Customer Cash Holdings Pro Forma 17% 13% ~$247Bn (89bps) 70% Optimize Combined Liquidity Position The End Notes are an integral part of this Presentation. See slides 19-22 at the back of this presentation for information related to the financial metrics and defined terms in this presentation 14

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