Business Cash Management Services  
Effective cash flow management is as critical to your business as growing revenues and maintaining strong customer relationships. Whether you need comprehensive cash management services or an investment account for your business, Morgan Stanley Smith Barney can make it easier for you to manage your cash and maximize your working capital.

Morgan Stanley Smith Barney offers two business accounts:
 
The BusinesScape Account is a powerful cash management tool for active businesses that integrates banking services access and brokerage in one central account.
 
Specific features of this account are:
 
  • Remote Deposit Capture – Eligible businesses can scan checks from their office for deposit into their BusinesScape account
  • Online ACH Origination – initiate ACH transactions to disburse and receive funds from employees or vendors
  • Business check writing
  • Master Card Business debit card – up to 99 cards can be issued with a choice of standard or delayed debit
  • Rewards program – earn points for eligible purchases that can be redeemed for travel or other merchandise
  • Payroll Services
  • Lockbox Services
  • Merchant Payment Services – accept card transactions from clients/vendors for credit to your BusinesScape account
  • Electronic Tax Payment Services

The Business Active Assets Accountsm provides brokerage services for businesses with excess capital or longer-term investment needs. This account has a smaller set of capabilities, which allow you easy access to funds:
 
Specific features of this account are:
 
  • Business check writing
  • MasterCard BusinessCard debit cards – up to two cards can be issued on this account
  • Ability to transfer funds to/from your Business Active Assets Account

Both accounts provide these valuable benefits:
 
  • An automatic investment sweep that keeps your cash working harder. At the end of each business day, the cash in your account is automatically invested in a money market fund5 that you choose. Certain not-for-profit entities have an additional choice to sweep to FDIC insured bank deposits.
  • World-class financial services to help you meet the challenges ahead. Through your Morgan Stanley Smith Barney Financial Advisor, you get access to a wide range of investment opportunities, including stocks, bonds, mutual funds and variable annuities.1
  • A consolidated statement that makes it easy for you to review and monitor your account activity each month. An extensive Annual Summary consolidates and categorizes your annual activity in an easy-to-read format.
  • Round-the-clock online access to account information so you can monitor your account activity via the phone or Internet, it's up to you.



1. The money market fund prospectus is available from your Morgan Stanley Smith Barney Financial Advisor. You should read the prospectus for more complete information, and consider the investment objectives, risks, charges and expenses of the fund carefully before investing.
2. These cards are debit cards, not credit cards. The BusinesScape account is a brokerage account with Morgan Stanley Smith Barney LLC, a registered broker-dealer. It offers access to debit cards, check writing, and payroll and lockbox services through licensed banks and other third parties.
3. Cash advances and ATM transactions are debited as they occur. Local ATM fees will apply.
4. Upon credit approval.
5. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.
Morgan Stanley Smith Barney is a registered broker-dealer, not a bank. Where appropriate, we have entered into arrangements with licensed banks to assist us in offering certain services to you, such as lockbox services, debit cards, checkwriting, payroll services and more.
Compensation received by Morgan Stanley Smith Barney in connection with services offered through the BusinesScape program, including compensation received from third parties for referrals, will be shared with your Financial Advisor. Ask your Financial Advisor for additional information about how Morgan Stanley Smith Barney, its affiliates and your Financial Advisor are compensated. Morgan Stanley Smith Barney is part of a diversified financial institution with many affiliates. Morgan Stanley Smith Barney and its affiliates provide brokerage, portfolio management, execution and other financial services to many individual and business clients around the world. In addition, we act as principals in various markets.
 

© 2010 Morgan Stanley Smith Barney LLC. Member SIPC.
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