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Investor Presentaiton

Morgan Stanley E*TRADE Strategic Rationale 1 2 Accelerates Business Mix Towards Balance Sheet Light and More Durable Sources of Revenue (1) Leverages Dynamic Tech-Driven Company with Iconic Brand, Providing Access to the Next Generation 3 Services the Full Spectrum of Wealth Through Advisory, Workplace, and Direct Channels 4 Immediately Fills in Product and Service Gaps for Both E*TRADE and Morgan Stanley Clients 5 6 Produces Meaningful Growth Opportunities Through Combined Offering 7 Generates Significant Potential Cost and Funding Synergies Provides Opportunity for International Digital Wealth Platform 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 18
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