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The Morgan Stanley Wealth Managementmobileapplication is the only mobile solution designed exclusivelyforMorgan Stanley Wealth Management clients. It provides anyonewith avalid Morgan Stanley Online login the ability to:• Access their Morgan Stanley accounts, includingbalances,holdings and recent activity.• Deposit checks from anywhere in the U.S. using ourcutting-edgeimaging technology without having to mail or bring themto abranch*.• View upcoming bills and make one-time or recurringpayments.• Transfer funds between Morgan Stanley brokerage accounts, aswellas to and from accounts held at other financialinstitutions.• Browse current market indices, news, company profiles andstockquotes.With access to your accounts and to the right informationwhenand where you need it, you can work with your Financial Advisortomake informed decisions and manage your finances on your ownterms.It’s the latest way we can assure our clients that we’rebehind youall the way.There is no charge to download the application. If you do notyethave 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”) isaregistered Broker/Dealer, Member SIPC, and not a bank.Investment, insurance and other products offered throughMorganStanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSEVALUE |NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BYANYFEDERAL GOVERNMENT AGENCY© 2015 Morgan Stanley Smith Barney LLC. Member SIPC.CRC1159940 4/15

SELCO Community Credit Union’s freeMobileBanking Application for Android™ Phone allows you to accessyouraccounts 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 closestSELCObranch• View SELCO’s Facebook and TwitterSafe and SecureSELCO uses SSL (Secure Socket Layer) encryption tocommunicatesecurely through all mobile service providers. Securitymeasuresblock unauthorized access and protect your data, regardlessof 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 answersaboutSELCO’s Mobile App.www.selco.org/MobileBanking/

The Ascentra Credit Union Mobile App allows you toaccessyouraccounts anytime, anywhere. With a fresh look and feel,itwillhave you making all the right money moves! With theAscentraMobileApp, you can do everything you can do on a desktopfromtheconvenience of your smartphone. Features: · Checkbalancesandtransaction history · Transfer funds · Deposit checks ·Movemoneybetween your accounts · Login quickly and securelywithyourfingerprint or a glance where available · Set securityalerts·Manage your debit or credit card · Apply for a loan oropenanaccount · Pay bills · Use tools to set budgets andmanageyourfinances · Bank in English or Spanish · Link andviewexternalaccounts and credit cards · Help via chat · Monitoryourcreditscore and credit report through SavvyMoney ·Locatesurcharge-freeATMs and Ascentra Credit Union branches Formoreinformation, go toascentra.org/anywhere. Federally insured bytheNCUA.

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For Merrill Lynch Wealth Managementclients:The totally redesigned MyMerrill Android app lets youaccess andmanage your accounts and investments where and when it'smostconvenient.Manage Your Accounts• View balances, holdings, order status and pending andhistoricaltransactions• Trade stocks, ETFs, mutual funds and options• View your brokerage accounts or any linked external accountsyouhold outside Merrill LynchStay securely connected with your advisor• Send secure messages and documents• Request and view appointmentsCreate Watchlists• Monitor major market securities• Add securities to your personal watchlist• Track securities on your customizable dashboardPay Bills• Make single payments• Pay eBillsDeposit Checks• Take photos of checks to deposit them• View pending, failed or completed check depositsTransfer Money• Transfer money between your Merrill Lynch investment accountsandyour linked Bank of America, N.A. bank accounts• Make transfers to and from accounts held at otherfinancialinstitutions that you've set up on the websiteCustomize Your Dashboard• Get up-to-date market data and news• Explore heat maps and interactive chartsHelp Stay Secure• Set up fingerprint login on Samsung phones to securely sign intothe app instead of using your Passcode• Visit our Privacy & Security page online to learn moreaboutthe features we offer to protect you and your accountsIMPORTANT NOTICEThe MyMerrill app for Android is available to clients whohaveonline access to the MyMerrill.com website. Some of thefeaturesand services available on MyMerrill.com are not availablewithinthis app. Please visit the website to access allfunctionality.Select Application License Agreement and review theTerms &Conditions, which apply to the website and all mobiledevices. Bydownloading and using this app, you agree to the currentTerms& Conditions.You may be charged access fees from your wireless serviceproviderdepending on your mobile device. Please check with yourwirelessservice provider for details on specific fees andcharges.Options involve risk and are not suitable for all investors.Certainrequirements must be met to trade options. Before engagingin thepurchase or sale of options, investors should understand thenatureof and extent of their rights and obligations and be awareof therisks involved in investing with options. Prior to buying orsellingan option, clients must receive the options disclosuredocument"Characteristics and Risks of Standardized Options."Contact yourfinancial advisor for a copy. A separate clientagreement is needed.Orders which involve multiple optiontransactions will be charged aseparate commission on each leg ofthe option order. Supportingdocumentation for any claims,comparison, recommendations,statistics, or other technical data,will be supplied uponrequest.The images included are for illustrative purposes only.For more information about Merrill Lynch privacy andsecurity,please visit ml.com/privacy.Banking products are provided by Bank of America, N.A.andaffiliated banks, Members FDIC and wholly owned subsidiariesofBank of America Corporation.Merrill Lynch Wealth Management is the marketing name for abusinessthat is made available through Merrill Lynch, Pierce,Fenner &Smith Incorporated (MLPF&S).Investment products:Are Not FDIC Insured | Are Not Bank Guaranteed | MayLoseValueMLPF&S is a registered broker-dealer, Member SIPC and awhollyowned subsidiary of Bank of America Corporation.AR88F74W

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