Morgan Stanley Fixed Income Offerings CLIENT FINANCIAL ADVISOR Total Number of Offerings: 6 Thu, 27 Aug 2015 09:54:37 AM EDT MS ID CUSIP Avail Oty Moody Coupon Call Date No. Ticker Min Oty Issuer - CPN Type Maturity Call Price Price Yields CYLD EP 1 BV6Z7 1000.000 BANK OF AMERICA CORP 6.25% FXD TO 09.05.2024 BA2 6.250 Perpetual 09.0&2024 99.375 6.289 N 060505EH3 1.000 FLOATS THRFTR BB+ Fix-to-Float 100.000 BAC CPN 6.250% until 09:05/2024. then (3M US LIBOR + 371 bps) 2 B7UR7 708.000 CITIGROUP INC 5.95% FIXED TO 08/15/20 FLOATS BA2e 5.950 Perpetual 08/152020 99.625 5.972 N 172967JZ5 1.000 THEREAFTER BB+ Fix-to -Float 100.000 C CPN 5.950% until 08/152020. then (3M US LIBOR + 410 bps) 3 BD02D 500.000 GOLDMAN SACHS GROUP INC 5.7% FXD TO 05/10/19 BAI 5.700 Perpetual OS/ 0,2019 101.125 5.637 N 381488AA6 1.000 VAR THERESAFTER BB Fix-to -Float 100.000 GS CPN 5.700% until 05/102019. then (3M US LIBOR +388 bps) 4 DK78D 1.000.000 JPMORGAN CHASE & CO 6.1% FXD TO 10101/24 FLOATS BAA3 6.100 Perpetual 10001/2024 100.375 6.077 N 48126HAC4 1.000 THEREAFTER BBB- Fix-to -Float 100.000 JPM CPN 6.100% unlit 101002024. then (3M US LIBOR + 333 bps) 5 D8LX3 1.000.000 MORGAN STANLEY SER-J 5.55% FXD TO 07115/20 BAI 5.550 Perpetual 07/152020 99.625 5.571 N 617474AA9 1.000 FLOATS THEREAFTER BB Fix-to -Float 100.000 MS CPN 5.550% until 07/15/2020. then (3M US LIBOR + 381 bps) 6 C3OE2 500.000 SUNTRUST BANKS INC SERF 5.625% FXD TO 12/15/19 BAA3 5.625 Perpetual 12/15/2019 101.125 5.562 N 8679148.11 1.000 FLTS ttIRAFTFt BB+ Fix.to-Floal 100.000 STI CPN 5.625% until 12/15/2019. then (3M US LIBOR + 386 bps) M = Yield to Maturity. C = Yield to Call. P = Yield to Pul. S = Strip Yield. R = Yield to Pre-Relunding. L = Yield to Average Life. 0 = Discount Rate. A = Annual Percentage Yield We offer these securities and/or deposits subject to availability. Market pr