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<p style=line-height:15.0pt><span style=font-size:10.5pt;color:#666666>With social and environmental issues constantly in the headlines, interest in sustainable investing has continued to reach new highs.<o:p></o:p></span></p>
<p style=line-height:15.0pt><span style=font-size:10.5pt;color:#666666> <o:p></o:p></span></p>
<p style=line-height:15.0pt><span style=font-size:10.5pt;color:#666666>As you know from our previous discussions, my team seeks to align your financial goals and your philanthropic goals. Backed by our robust platform and world-class thought leadership,
we are well-positioned and committed to help you make investments that could create positive change.<o:p></o:p></span></p>
<p style=line-height:15.0pt><span style=font-size:10.5pt;color:#666666> <o:p>
</o:p></span></p>
<p class="MsoNormal" style=line-height:15.0pt><strong><span style=font-size:10.5pt;color:#666666>Let me know when would be a good time to discuss how we can align your priorities to your investments, and discuss possible paths to help you get there.</span></strong><span style=font-size:10.5pt;font-family:"Helvetica","sans-serif";color:#666666><o:p></o:p></span></p>
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<p style=line-height:15.0pt><span style=font-size:10.5pt;color:#999999>Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting
primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors
may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
<o:p></o:p></span></p>
<p style=line-height:15.0pt><span style=font-size:10.5pt;color:#999999> <o:p></o:p></span></p>
<p style=line-height:15.0pt><span style=font-size:10.5pt;color:#999999>Morgan Stanley Smith Barney LLC, member SIPC
<o:p></o:p></span></p>
<p style=line-height:15.0pt><span style=font-size:10.5pt;color:#999999> <o:p></o:p></span></p>
<p style=line-height:15.0pt><span style=font-size:10.5pt;color:#999999>CRC 2091889 4/18<o:p></o:p></span></p>
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<p class="MsoNormal" align="center" style=text-align:center;line-height:0%><span style=font-family:"Helvetica","sans-serif"><img border="0" width="1" height="1" id="Picture_x0020_1" src='cid:image003.gif@01D3E21C.BF265B40' alt="http://morganstanley.demdex.net/event?c_email=open&c_emailbiz=onemail" /></span><span style=font-family:"Helvetica","sans-serif"><o:p></o:p></span></p>
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