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Banking Banking Stock Plans Contact us Log on Account Types Expand Account Types keyboard_arrow_down Overview Brokerage Retirement Core Portfolios Managed Portfolios Small Business Bank Investment Choices Expand Investment Choices keyboard_arrow_down Overview Stocks Options Mutual Funds ETFs Futures Bonds and CDs Prebuilt Portfolios IPO / New Issues New to Investing Trading Expand Trading keyboard_arrow_down Overview Platforms Margin Trading Execution Quality Pricing and Rates Knowledge Expand Knowledge keyboard_arrow_down Overview Investing Basics Advanced Trading Retirement Planning Tax Planning Morgan Stanley Thought Leadership Market News Thematic Investing Events Life Stages View more items more_horiz search Search Search by Symbol/Keyword searchclose Open an account Log on Open search search Banking Open an account Search by Symbol/Keyword searchclose Account Types arrow_back Back toOverview Brokerage Retirement Core Portfolios Managed Portfolios Small Business Bank Investment Choices arrow_back Back toOverview Stocks Options Mutual Funds ETFs Futures Bonds and CDs Prebuilt Portfolios IPO / New Issues New to Investing Trading arrow_back Back toOverview Platforms Margin Trading Execution Quality Pricing and Rates Knowledge arrow_back Back toOverview Investing Basics Advanced Trading Retirement Planning Tax Planning Morgan Stanley Thought Leadership Market News Thematic Investing Events Life Stages Banking Stock Plans Contact us Log on Open an account PleaseTo be eligible for a LOC, a client must have a brokerage account at E*TRADE from Morgan Stanley that contains eligible securities, which shall serve as collateral for the LOC. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a LOC (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into an E*TRADE from Morgan Stanley, Morgan Stanley Smith Barney LLC or other brokerage account. The amount you may be able to borrow will be based upon the eligible market value of your investments, at Morgan Stanley Private Bank, National Association’s discretion. In some cases, due to certain risk factors like security concentration or liquidity issues, the amount you can borrow may be reduced. Securities-based lending involves special risks and is not appropriate for everyone. Be sure to carefully review product details, risks and benefits to ensure this product is right for you. A decline in the value of your pledged collateral may require you to provide additional funds or securities. You can lose more funds than are held in the collateral account. A Line of Credit account is a full-recourse loan and you will be held liable for any deficiency. Morgan Stanley Private Bank, National Association can enforce a liquidation of any pledged collateral and can do so without contacting you first. You are not entitled to choose which securities in the collateral account are liquidated. Morgan Stanley Private Bank, National Association can modify its maintenance requirements at any time, without notice to you. You are not entitled to an extension of time to resolve a maintenance call. If your assets are liquidated, there may be adverse tax or other consequences. A Line of Credit is an uncommitted demand facility, which means the bank may demand full or partial repayment at any time or elect not to advance funds. Your applicable interest rate will be determined by your estimated credit line at the time of application and is subject to change. This rate is calculated based on a 360-day year. Rates are tied to the 30-day rolling compounded average Secured Overnight Financing Rate (SOFR), as published by the Federal Reserve Bank of New York , plus a variable rate adjustment, plus a margin. The SOFR rate may be reset every business day (or the following business day in event of a holiday). Processing fees may apply for payments made by check. Please see rates, fees and other important information at etrade.com/lineofcreditrates . 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. Banking products and services provided by Morgan Stanley Private Bank, National Association, Member FDIC . 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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