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U͞N@噷I~oI(1}|^TWr~v&9iGM;c=^}eUX̑3C4%G~ȷy~_$Oy?'Nx+ѷͽ?Ͽ^,2*ۛ}&?j$[Ild/z Car$>~?V g>-Q4I|GgjtMzf5btˌS^do)q jO,yI/MSZnI?9?GP"ƭJ~zH,y\~wLʣ̱ƨ?Syy?PFyw #G #O׏ދ &ݙD6!?/͎vƞr"?I2u4?~z HC_⦷PEy?jĞ\oc8GҩpgI6t[Y9$?vdHZ\DIqx׷iy'|_@Fm$H|OV\+8_:9iJ/p9CeFUy#Ϯj|~_?Q,qsEnϝi0]z{ٗ_.GnZn#M{qH\6~q{F[Y6g.3}>ج#wl^q1?v0llcg&ioވeؿTNU׍oo<B;y$6lt~tgXk\?s!+s$D{szKSw'>3+sƬ yIڼ~Of?oJ"h;xOU{YO)ʠ$ky>c?z"}f\FTdySNv~ԗPq.;8#~I7sZיdi#i$}?/q}mq+o7lOӌo"?};M?7⹣ $CHӫ?ȎfoלqQEO-VH]r'WKVF_w㋬皚i#rc쩿{tƏdmo'??*źCٿ_JC椯OoʪK-|{֒qys3N^x8<.C?1u֝BI>OOM ~F9%rvqRRbdZ}Cwo3}ǧ== ^/'uk0F'ٰ9M\c|*?вj˥=E/T\q])Fk+:;24@Ko#|c?#|$[I>44Q<77_}K?&>予O(1HoOo'2̛㞿!2m*Xޟ$د{BY#mvo'ޜc\(d޽qMXtWiϷl 뚬)]<~5۰v%Uۅ۽>ZY!6qtUVbde-?=zUV/mIlҴy+|3'iѽ=i`I$Y<G_HR?sON0yی!6o߿oܶe~~nhU_.Mӓ?3syݻS_?U(%zW)uogR$Y̨E"5f7 jXS AA@A@   h$Fourth Quarter 2020 Earnings ResultsQuarterly Financial SupplementPage Consolidated Financial Summary ;Consolidated Financial Metrics, Ratios and Statistical Data>Consolidated and U.S. Bank Supplemental Financial Information FConsolidated Average Common Equity and Regulatory Capital Information SInstitutional Securities Income Statement Information, Financial Metrics and RatiosLWealth Management Income Statement Information, Financial Metrics and Ratios>Wealth Management Financial Information and Statistical Data PInvestment Management Income Statement Information, Financial Metrics and RatiosBInvestment Management Financial Information and Statistical Data ,Consolidated Loans and Lending Commitments FConsolidated Loans and Lending Commitments Allowance for Credit Losses,Definition of U.S. GAAP to Non-GAAP Measures-Definitions of Performance Metrics and Terms 13 - 143Supplemental Quantitative Details and Calculations 15 - 16Legal Notice #The Firm's fourth quarter earnings results reflect the completed acquisition of E*TRADE Financial Corporation (E*TRADE), which closed on October 2, 2020. The comparisons of current and prior periods are impacted by the financial results of E*TRADE reported in the Wealth Management Segment.Consolidated Financial Summary"(unaudited, dollars in millions) Quarter EndedPercentage Change From:Twelve Months Ended Percentage Dec 31, 2020 Sep 30, 2020 Dec 31, 2019Change Net revenuesInstitutional SecuritiesWealth ManagementInvestment ManagementIntersegment EliminationsNet revenues Non-interest expensesNon-interest expenses (1) Income before taxes --  * )Net Income applicable to Morgan Stanley ( 'Net Income applicable to Morgan Stanley9Earnings applicable to Morgan Stanley common shareholdersThe End Notes are an integral part of this presentation. See pages 12 - 17 for Definition of U.S. GAAP to Non-GAAP Measures, Definitions of Performance Metrics and Terms, Supplemental Quantitative+Details and Calculations, and Legal Notice. (unaudited) Financial Metrics:Earnings per basic shareEarnings per diluted shareReturn on average common equity(Return on average tangible common equityBook value per common share$Tangible book value per common share*Excluding integration-related expenses (1)' #Adjusted earnings per diluted share)Adjusted return on average common equity 1Adjusted return on average tangible common equityFinancial Ratios:Pre-tax profit margin0Compensation and benefits as a % of net revenues0Non-compensation expenses as a % of net revenuesFirm expense efficiency ratioHFirm expense efficiency ratio excluding integration-related expenses (1)E Effective tax rateStatistical Data:/Period end common shares outstanding (millions),Average common shares outstanding (millions)BasicDilutedWorldwide employeesNotes: - The Firm s fourth quarter results include $231 million of integration-related expenses on a pre-tax basis ($189 million after-tax) as a result of the E*TRADE acquisition. Total non-interest expenses include $151 millionG in compensation expense and $80 million in non-compensation expense. - The End Notes are an integral part of this presentation. See pages 12 - 17 for Definition of U.S. GAAP to Non-GAAP Measures, Definitions of Performance Metrics and Terms, Supplemental Quantitative Details and " Calculations, and Legal Notice.=Consolidated and U.S. Bank Supplemental Financial Information (unaudited, dollars in millions)Consolidated Balance sheet Total assets Loans (1) DepositsLiquidity Resources (2) Long-term debt outstanding9Maturities of long-term debt outstanding (next 12 months) Common equity$Less: Goodwill and intangible assetsTangible common equity Preferred equity,U.S. Bank Supplemental Financial InformationLoans#Investment securities portfolio (3) Regional revenuesAmericas"EMEA (Europe, Middle East, Africa)AsiaConsolidated net revenuesThe End Notes are an integral part of this presentation. See pages 12 - 17 for Definition of U.S. GAAP to Non-GAAP Measures, Definitions of Performance Metrics and Terms, Supplemental Quantitative EConsolidated Average Common Equity and Regulatory Capital Information (unaudited, dollars in billions)Average Common EquityParentFirmRegulatory CapitalCommon Equity Tier 1 capitalTier 1 capitalStandardized ApproachRisk-weighted assets"Common Equity Tier 1 capital ratioTier 1 capital ratioAdvanced ApproachLeverage-based capitalTier 1 leverage ratio Supplementary Leverage Ratio (1) The End Notes are an integral part of this presentation. See pages 12 - 17 for Definition of U.S. GAAP to Non-GAAP Measures, Definitions of Performance Metrics and Terms, ESupplemental Quantitative Details and Calculations, and Legal Notice.:Income Statement Information, Financial Metrics and Ratios01/19/21 09:50Quarter Ended Percentage Revenues:AdvisoryEquity Fixed income UnderwritingInvestment Banking Fixed Income OtherSales and Trading Investments Net revenues Compensation and benefits Non-compensation expensesTotal non-interest expenses Income before taxes 'Net income applicable to Morgan StanleyReturn on Average Common Equity,Return on Average Tangible Common Equity (1)) -Trading VaR (Average Daily 95% / One-Day VaR)- Report dated:01/19/21 09:50Quarter Ended Asset management TransactionalNet interest incomeCompensation and benefits (1) Non-compensation expenses (1) Total non-interest expenses (1) Income before taxes (1) <Pre-tax profit margin excluding integration-related expenses Return on Average Common Equity ,Return on Average Tangible Common Equity (2))  - Wealth Management s fourth quarter results include $231 million of integration-related expenses on a pre-tax basis ($189 million after-tax) as a result of the E*TRADE acquisition. Total non-interestf expenses include $151 million in compensation expense and $80 million in non-compensation expense. - The End Notes are an integral part of this presentation. See pages 12 - 17 for Definition of U.S. GAAP to Non-GAAP Measures, Definitions of Performance Metrics and Terms, Supplemental Quantitative / Details and Calculations, and Legal Notice.Wealth Management *Financial Information and Statistical DataVs. Report dated03/19/03 18:15Wealth Management MetricsTotal client assetsNet new assetsU.S. Bank loansMargin and other lending (1) Deposits (2) #Annualized average rate on depositsAdvisor-led channelAdvisor-led client assetsFee-based client assetsFee-based asset flows4Fee-based assets as a % of advisor-led client assets"Wealth Management representatives  Self-directed channelSelf-directed assets $Daily average revenue trades (000's) Self-directed households (000's)Workplace channelWorkplace unvested assetsNumber of participants (000's)The End Notes are an integral part of this presentation. See pages 12 - 17 for Definition of U.S. GAAP to Non-GAAP Measures, Definitions of Performance XMetrics and Terms, Supplemental Quantitative Details and Calculations, and Legal Notice.Investments (1) Compensation and benefits Total non-interest expenses,Assets under management or supervision (AUM)Net flows by asset class (1) Fixed IncomeAlternative / OtherLong-Term Net Flows LiquidityTotal net flows9Assets under management or superv< ision by asset class (2)5 0Long Term Assets Under Management or Supervision,Total Assets Under Management or SupervisionThe End Notes are an integral part of this presentation. See pages 12 - 17 for Definition of U.S. GAAP to Non-GAAP Measures, Definitions of Performance Metrics and Terms, Supplemental Quantitative Details #and Calculations, and Legal Notice.*Consolidated Loans and Lending CommitmentsLoans: Corporate Secured lending facilities&Commercial and residential real estate"Securities-based lending and other Total LoansLending Commitments7Institutional Securities Loans and Lending Commitments 6Residential real estate0Wealth Management Loans and Lending Commitments .Consolidated Loans and Lending Commitments (1)+ The End Notes are an integral part of this presentation. See pages 12 - 17 for Definition of U.S. GAAP to Non-GAAP Measures, Definitions of Performance Metrics and LTerms, Supplemental Quantitative Details and Calculations, and Legal Notice.9Allowance for Credit Losses (ACL) as of December 31, 2020Loans and Lending CommitmentsACL (1)ACL %Q4 Provision (2) (Gross)Held For Investment (HFI) CorporateInstitutional Securities - HFIWealth Management - HFIHeld For Investment Held For Sale Fair ValueThe End Notes are an integral part of this presentation. See pages 12 - 17 for Definition of U.S. GAAP to Non-GAAP Measures, Definitions of dPerformance Metrics and Terms, Supplemental Quantitative Details and Calculations, and Legal Notice.(a) The Firm prepares its Consolidated Financial Statements using accounting principles generally accepted in the United States (U.S. GAAP). From time to time, Morgan Stanley may disclose certain  non-GAAP financial measures in the course of its earnings releases, earnings conference calls, financial presentations and otherwise. The Securities and Exchange Commission defines a  non-GAAP financial measure as a numerical measure of historical or future financial performance, financial positions, or cash flows that is subject to adjustments that effectively exclude, or include amounts from the most directly comparable measure calculated and presented in accordance with U.S. GAAP. Non-GAAP financial measures disclosed by Morgan Stanley are provided as additional information to analysts, investors and other stakeholders in order to provide them with greater transparency about, or an alternative method for assessing, our financial condition, operating results, or prospective regulatory capital requirements. These measures are not in accordance with, or a substitute for U.S. GAAP, and may be different from or inconsistent with non-GAAP financial measures used by other companies. Whenever we refer to a non-GAAP financial measure, we will also generally define it or present the most directly comparable financial measure calculated and presented in accordance with U.S. GAAP, along with a reconciliation of the differences between the non-GAAP financial measure we reference and such comparable U.S. GAAP financial measure. In addition to the following notes, please also refer to the Firm's Annual Report on Form 10-K for the year ended December 31, 2019.(b) ,Definitions of Performance Metrics and TermsOur earnings releases, earnings conference calls, financial presentations and other communications may also include certain metrics which we believe to be useful to us, investors, analystsand other stakeholders by providing further transparency about, or an additional means of assessing, our financial condition and operating results.Page 1:Net income applicable to Morgan Stanley represents net income, less net income applicable to nonredeemable noncontrolling interests.Earnings applicable to Morgan Stanley common shareholders represents net income applicable to Morgan Stanley, less preferred dividends.Page 2:The return on average common equity represents annualized earnings applicable to Morgan Stanley common shareholders as a percentage of average common equity.fBook value per common share represents common equity divided by period end common shares outstanding. (c) yTangible book value per common share represents tangible common equity divided by period end common shares outstanding. (d) fPre-tax profit margin percentages represent income before income taxes as percentages of net revenues.(e) iThe Firm expense efficiency ratio represents total non interest expenses as a percentage of net revenues.Page 3:The Firm's goodwill and intangible balances utilized in the calculation of tangible common equity are net of certain mortgage servicing rights deduction.U.S. Bank refers to the Firm's U.S. Bank operating subsidiaries Morgan Stanley Bank, N.A. and Morgan Stanley Private Bank, National Association, E*TRADE Bank, and E*TRADE Savings Bank, and excludes balances between Bank subsidiaries, as well as deposits from the Parent and affiliates.OFirmwide regional revenues reflect the Firm's consolidated net revenues on a managed basis. Further discussion regarding the geographic methodology for net revenues is disclosed in Note 21 to the consolidated financial statements included in the Firm's Annual Report on Form 10-K for the year ended December 31, 2019 (2019 Form 10-K).Page 4:The Firm's attribution of average common equity to the business segments is based on the Required Capital framework, an internal capital adequacy measure. This framework is a risk-based and leverage-based capital measure, which is compared with the Firm's regulatory capital to ensure that the Firm maintains an amount of going concern capital after absorbing potential losses from stress events, where applicable, at a point in time. The Required Capital Framework is based on the Firm's regulatory capital requirements. The Firm defines the difference between its total average common equity and the sum of the average common equity amounts allocated to its business segments as Parent common equity. The amount of capital allocated to the business segments is generally set at the beginning of the year, and will remain fixed throughout the year until the next annual reset unless a significant business change occurs (e.g., acquisition or disposition). We are planning to make updates to our Required Capital framework < for 2021 to take into account changes to our risk-based capital requirements resulting from the stress capital buffer and we will continue to evaluate the framework with respect to the impact of other future regulatory requirements as appropriate. For further discussion of the framework, refer to "Quantitative and Qualitative Disclosures about Risk" in the Firm's Annual Report on Form 10-K for the year ended December 31, 2019.The Firm's risk based capital ratios are computed under each of the (i) standardized approaches for calculating credit risk and market risk risk weighted assets (RWAs) (the  Standardized Approach ) and (ii) applicable advanced approaches for calculating credit risk, market risk and operational risk RWAs (the  Advanced Approach ). For information on the calculation of regulatory capital and ratios, and associated regulatory requirements, please refer to "Management s Discussion and Analysis of Financial Condition and Results of Operations  Liquidity and Capital Resources  Regulatory Requirements" in the Firm s Form 10 Q for the period ended September 30, 2020 and in the Firm's 2019 Form 10 K.lSupplementary leverage ratio represents Tier 1 capital divided by the total supplementary leverage exposure.Page 5:Institutional Securities Sales and Trading net revenues includes trading, net interest income (interest income less interest expense), asset management and commissions and fees revenues.VaR represents the unrealized loss in portfolio value that one would not expect to exceed, on average, more than five times every one hundred trading days in the Firm's trading positions if the portfolio were held constant for a one-day period. Further discussion of the calculation of VaR and the limitations of the Firm's VaR methodology, is disclosed in "Quantitative and Qualitative Disclosures about Risk" included in the Firm's 2019 Form 10-K.Page 6:Transactional revenues for the Wealth Management segment includes investment banking, trading, and commissions and fee revenues.ENet interest income represents interest income less interest expense.YOther revenues for the Wealth Management segment includes investments and other revenues.Page 7:Net new assets represents client inflows (including dividend and interest) less client outflows (excluding activity from business combinations/divestitures and impact of fees and commissions).uAdvisor-led client assets represents client assets in accounts that have a Wealth Management representative assigned.(f) Fee-based asset flows includes net new fee-based assets, net account transfers, dividends, interest, and client fees and exclude institutional cash management related activity.(g) Self-directed assets represents active accounts which are not advisor led. Active accounts are defined as having $25 or more in assets.(h) Daily average revenue trades (DARTs) represents the total client-directed trades in a period divided by the number of trading days during that period.(i) (j) (k) Workplace participants represents total accounts with vested or unvested assets >0 in the workplace channel. Individuals with accounts in multiple plans are counted as participants in each plan.Page 8:{Other revenues for the Investment Management segment includes investment banking, trading, net interest and other revenues.Page 9:Investment Management Alternative/Other asset class includes products in Fund of Funds, Real Estate, Private Equity and Credit strategies, as well as Multi-Asset portfolios.-Investment Management net flows include new commitments, investments or reinvestments, net of client redemptions, returns of capital post-fund investment period and dividends not reinvested and excludes the impact of the transition of funds from their commitment period to the invested capital period.Total assets under management or supervision excludes shares of minority stake assets which represent the Investment Management business segment s proportional share of assets managed by third-party asset managers in which we hold investments accounted for under the equity method.Page 10 and 11:Corporate loans include relationship and event-driven loans and typically consist of revolving lines of credit, term loans and bridge loans.Secured lending facilities include loans provided to clients, which are primarily secured by loans, which are, in turn, collateralized by various assets including residential real estate, commercial real estate, corporate and financial assets.Securities-based lending and Other includes financing extended to sales and trading customers and corporate loans purchased in the secondary market.\Institutional Securities Lending Commitments principally include Corporate lending activity.2Supplemental Quantitative Details and Calculations(1):The Firm non-interest expenses by category are as follows:4Q203Q204Q194Q20 YTD4Q19 YTDCompensation and benefitsNon-compensation expenses:%Brokerage, clearing and exchange fees)Information processing and communicationsProfessional servicesOccupancy and equipment"Marketing and business developmentOther Total non-compensation expensesThe fourth quarter and full year ended December 31, 2020 also included pre-tax integration-related expenses of $231 million ($189 million after-tax) associated with the acquisition of E*TRADE. The following sets forth the impact of the integration-related expenses to earnings per diluted share, return on average common equity and return on average tangible common equity (which are excluded):!Earnings per diluted share - GAAPImpact of adjustmentsLEarnings per diluted share excluding integration-related expenses - Non-GAAP&Return on average common equity - GAAPQReturn on average common equity excluding integration-related expenses - Non-GAAP/Return on average tangible common equity - GAAPZReturn on average tangible common equity excluding integration-related expenses - Non-GAAP$Firm expense efficiency ratio - GAAPOFirm expense efficiency ratio excluding integration-related expenses - Non-GAAPIncludes loans held for investment (net of allowance), loans held for sale and also includes loans at fair value which are included in Trading assets on the balance sheet. (2)Beginning in the quarter ended March 31, 2020, the internal measure of liquidity was changed from Global Liquidity Reserve to Liquidity Resources to be more aligned with the current regulatory definition HQLA. December 31, 2019 has been recast.(3)As of December 31, 2020, September 30, 2020 and December 31, 2019, the U.S. Bank investment securities portfolio included held to maturity investment securities of $52.6 billion, $28.2 billion and $26.1 billion, respectively.oBased on a Federal Reserve interim final rule in effect until March 31, 2021, our supplementary leverage ratio (SLR) and supplementary leverage exposure, effective June 30, 2020, reflect the exclusion of U.S. Treasury securities and deposits at Federal Reserve Banks. The exclusion of these assets had the effect of increasing our SLR by 0.8% as of December 31, 2020..Institutional Securities average tangible comm< on equity represents average common equity adjusted to exclude goodwill and intangible assets net of allowable mortgage servicing rights deduction. The adjustments are as follows: 4Q20: $484mm; 3Q20: $484mm; 4Q19: $536mm; 4Q20 YTD: $484mm; 4Q19 YTD: $536mmFor the fourth quarter and full year ended December 31, 2020, integration-related compensation and non-compensation expenses associated with the acquisition of E*TRADE are as follows:Compensation expensesIncome tax provision'Total non-interest expenses (after-tax)2Wealth Management average tangible common equity represents average common equity adjusted to exclude goodwill and intangible assets net of allowable mortgage servicing rights deduction. The adjustments are as follows: 4Q20: $13,440mm; 3Q20: $7,802mm; 4Q19: $8,088mm; 4Q20 YTD: $9,536mm; 4Q19 YTD: $8,088mmFor the quarter ended December 31, 2020, Wealth Management deposits of $306 billion exclude off-balance sheet deposits of $25 billion held by third parties outside of Morgan Stanley.&Total deposits details are as follows:Brokerage sweep depositsOther depositsTotal balance sheet depositsOff-balance sheet depositsTotal depositsIncludes investment gains or losses for certain funds included in the Firm's consolidated financial statements for which the limited partnership interests in these gains or losses were reported in net income applicable to nonredeemable noncontrolling interests.+Investment Management average tangible common equity represents average common equity adjusted to exclude goodwill and intangible assets net of allowable mortgage servicing rights deduction. The adjustments are as follows: 4Q20: $932mm; 3Q20: $932mm; 4Q19: $940mm; 4Q20 YTD: $932mm; 4Q19 YTD: $940mmlNet Flows by region for the quarters ended December 31, 2020, September 30, 2020 and December 31, 2019 were:>North America: $21.4 billion, $(3.5) billion and $19.4 billion;International: $3.6 billion, $16.0 billion and $9.7 billionAssets under management or supervision by region for the quarters ended December 31, 2020, September 30, 2020 and December 31, 2019 were::North America: $449 billion, $409 billion and $307 billion:International: $332 billion, $306 billion and $245 billionPage 10:aFor the quarters ended December 31, 2020, September 30, 2020 and December 31, 2019, Investment Management reflected loan balances of $441 million, $569 million and $256 million, respectively, and lending commitments of $21 million for the quarter ended December 31, 2019, which are not included in the Consolidated Loans and Lending Commitments balance.Page 11:sFor the quarter ended December 31, 2020, the Allowance Rollforward for Loans and Lending Commitments is as follows:Total!Allowance for Credit Losses (ACL)&Beginning Balance - September 30, 2020Net Charge Offs Provision"Ending Balance - December 31, 2020The provision for credit losses associated with loans held for investment is reported in other revenues while the provision for credit losses related to lending commitments is reported in other expenses. Legal NoticeThis Financial Supplement contains financial, statistical and business-related information, as well as business and segment trends.|The information should be read in conjunction with the Firm's fourth quarter earnings press release issued January 20, 2021./Liquidity Resources, which are held within the bank and non-bank operating subsidiaries, are comprised of high quality liquid assets (HQLA) and cash deposits with banks ("Liquidity Resources"). The total amount of Liquidity Resources is actively managed by us considering the following components: unsecured debt maturity profile; balance sheet size and composition; funding needs in a stressed environment, inclusive of contingent cash outflows; legal entity, regional and segment liquidity requirements; regulatory requirements; and collateral requirements.KSelf-directed households represents the total number of households that include at least one account with self-directed assets. Individual households or participants that are engaged in one or more of our Wealth Management channels (Advisor-Led, Self-Directed, Workplace) will be included in each of the respective channel counts. Workplace unvested assets represents the market value at the end of the period. Workplace unvested assets represent the market value of public company securities at the end of the period. The following are considered non-GAAP financial measures that the Firm considers useful for analysts, investors and other stakeholders to allow comparability of operating performance and capital adequacy. These measures are calculated as follows: - Earnings per diluted share excluding integration-related expenses represents net income applicable to Morgan Stanley, adjusted for the impact of the integration-related expenses associated with the acquisition of E*TRADE, less preferred dividends divided by the average number of diluted shares outstanding. - The return on average tangible common equity represents annualized earnings applicable to Morgan Stanley common shareholders as a percentage of average tangible common equity. - The return on average common equity and the return on average tangible common equity excluding integration-related expenses are adjusted in both the numerator and the denominator to exclude the integration-related expenses associated with the acquisition of E*TRADE. - Segment return on average common equity and return on average tangible common equity represent full year net income or annualized net income for the quarter applicable to Morgan Stanley for each segment, less preferred dividend segment allocation, divided by average common equity and average tangible common equity for each respective segment. The segment adjustments to common equity to derive segment average tangible common equity are generally set at the beginning of the year, and will remain fixed throughout the year until the next annual reset unless a significant business change occurs (e.g., acquisition or disposition). - Tangible common equity represents common equity less goodwill and intangible assets net of certain mortgage ser<vicing rights deduction. - Tangible book value per common share represents tangible common equity divided by period end common shares outstanding. - Pre-tax profit margin excluding integration-related expenses represents income before income taxes less integration-related expenses associated with the acquisition of E*TRADE as percentages of net revenues. - The Firm expense efficiency ratio excluding integration-related expenses represents total non interest expenses less integration-related expenses associated with the acquisition of E*TRADE as a percentage of net revenues. (l) Annualized average rate on deposits represents the weighted average cost of deposits as of periods ended December 31, 2020, September 30, 2020 and December 31, 2019.Fee-based client assets represents the amount of assets in client accounts where the basis of payment for services is a fee calculated on those assets. Deposits reflect Wealth Management deposit liabilities sourced from both Wealth Management client deposits and external funding on the US Bank entities. Deposits include internal and external brokerage sweeps deposits programs, savings and other, and time deposits.Wealth Management other lending includes $3 billion of non-purpose securities based lending on non-bank entities in each period ended December 31, 2020, September 30, 2020 and December 31, 2019. 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