Morgan Stanley Morgan Stanley is proud to congratulate Karis Boerner one of the recipients of this year's 11th annual 20 under 40 Financal Advison Awards, which recognizes high-achieving individuals underNS 70 the age of 40 from the areater Duluth community Karis Boerner Morgan Stanley Wealth Management 11 East Superior St., Suite 580 Duluth, MN 55802 Phone: 218-720-0156 Fax: 218-723-1185 Email: Karis.Boerner@morganstanley.com Website: https://fa.morganstanley.com/ thegreenorchardgroup/ ID: 1479422 NOTICE: Morgan Stanley is not acting as a municipal advisor and the opinions or views contained herein are not intended to be, and do not constitute, advice within the meaning of Section 975 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. If you have received this communication in error, please destroy all electronic and paper copies and notify the sender immediately. Mistransmission is not intended to waive confidentiality or privilege. Morgan Stanley reserves the right, to the extent required andfor permitted under applicable law, to monitor electronic communications, including telephone calls with Morgan Stanley personnel. This message is subject to the Morgan Stanley General Dis- claimers available at the following link:http://www.morganstanley.com/disclaimers. If you cannot access the links, please notify us by reply message and we will send the contents to you. By communicating with Morgan Stanley you acknowledge that you have read understand and consent, (where applicable), to the foregoing and the Morgan Stanley General Disclalmers