l 2016 10:04:05 +0000 Sent from my iPhone Begin forwarded message: From: "Morgan Stanley" <I Date: July 19, 2016 at 12:18:17 AM EDT To: Subject: Bank of America: Lower Rates, But Even Lower Expenses Reply-To: WEALTH MANAGEMENT Subscription Notification: July 19 Bank of America: Lower Rates, But Even Lower Expenses B