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SELCO Community Credit Union’s free MobileBanking Application for Android™ Phone allows you to access youraccounts anytime, anywhere.App Features:• 24/7 access to your accounts• View account balances• View and search transaction history• View cleared checks• Transfer funds within account and to other SELCO accounts• Deposit checks• Pay bills using our Bill Pay system• Find nearby surcharge-free ATMs and locate the closest SELCObranch• View SELCO’s Facebook and TwitterSafe and SecureSELCO uses SSL (Secure Socket Layer) encryption to communicatesecurely through all mobile service providers. Security measuresblock unauthorized access and protect your data, regardless of howyou access your accounts.FreeAll SELCO members may use our Mobile Banking App at no charge. Youmust be enrolled in Online Banking to use Mobile Banking. Yourwireless provider’s messaging and data rates may apply. Visitselco.org to enroll in Online Banking.AnswersConsult the Frequently Asked Questions for quick answers aboutSELCO’s Mobile App.www.selco.org/MobileBanking/

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The CTFCU Mobile Banking App is a free, fast, and secureaccountmanagement tool empowering you to manage your personalfinances.Features Include: • Open an account • Apply for a loan •Checkbalances • View account details • Transfer funds betweenaccounts •Manage account alerts • Pay bills • Make loan payments •ControlCTFCU debit and credit cards • Locate CTFCU branches andATMs •Contact Us for service

The Morgan Stanley Wealth Management mobileapplication is the only mobile solution designed exclusively forMorgan Stanley Wealth Management clients. It provides anyone with avalid Morgan Stanley Online login the ability to:• Access their Morgan Stanley accounts, including balances,holdings and recent activity.• Deposit checks from anywhere in the U.S. using our cutting-edgeimaging technology without having to mail or bring them to abranch*.• View upcoming bills and make one-time or recurringpayments.• Transfer funds between Morgan Stanley brokerage accounts, as wellas to and from accounts held at other financial institutions.• Browse current market indices, news, company profiles and stockquotes.With access to your accounts and to the right information whenand where you need it, you can work with your Financial Advisor tomake informed decisions and manage your finances on your own terms.It’s the latest way we can assure our clients that we’re behind youall the way.There is no charge to download the application. If you do notyet have a Morgan Stanley Online account set up, please go tohttp://www.morganstanley.com/online. Standardmessaging and data rates from your provider may apply.* Subject to certain terms and conditions.Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is aregistered Broker/Dealer, Member SIPC, and not a bank.Investment, insurance and other products offered through MorganStanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE |NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANYFEDERAL GOVERNMENT AGENCY© 2015 Morgan Stanley Smith Barney LLC. Member SIPC.CRC1159940 4/15

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