Your Benefits 2017UK Benefits Programme

Choose Your Benefits

This booklet is for your information only. Although every care has been taken to make sure that it is accurate,

it confers no right or guarantee to receive the benefits referred to in this booklet. Your benefits will always be paid

in line with the rules of (and in accordance with monies received from) the appropriate Trustee Deed, insurance

policies, relevant legislation, HM Revenue and Customs rulings and the Firm’s policies in force from time to time.

Morgan Stanley reserves the right to review, withdraw (without providing any replacement) and amend these benefits,

at any time. These benefits are available to UK employees (who meet any relevant eligibility criteria) only, please see

Benefits iQ for full terms and conditions.

At Morgan Stanley we value our employees and their contribution to the Firm. In return we are committed to providing you with a competitive and comprehensive benefits package that gives you options for you and your family.

The UK benefits package aims to support your health and wellbeing, give you more ways to save for the future, provide you with financial protection options and enable you to choose from a range of lifestyle benefits to support you at work and at home.

You have an Annual Enrolment opportunity to choose and make changes to your benefits package in November/December.

There are a variety of benefits designed to give you more flexibility and choice about what you receive.

If you are a new hire, you will be sent an email when you join and will have 31 days to submit your choices.

On Benefits iQ

* Some benefits are calculated using your Base Salary and some are calculated using your Benefit Salary.

Your Benefit Salary is your Base Salary up to a maximum amount depending on your level.

• Access information on the benefits available to you

• View your benefits • Look at the breakdown of Firm Funded

and Self-Funded costs*

• Make your choices online• Make changes when you have a Life Event• Update your dependants’ and

beneficiaries’ details

Benefit OptionsHealthcareReceive prompt specialist medical treatment in the private sector for a wide range of medical conditionsChoices: Silver, Gold, Platinum

Dental Care Help manage the cost of dental treatmentChoices: Silver, Gold, Platinum

Health Screens Take a proactive approach to your health and choose from a range of health screens with Firm funding up to £300Choices: Silver, Gold, Platinum, Executive, Breast, Mammogram, Ovarian and Cervical, Prostate, Nutrition, Personal Resilience, Musculoskeletal

Health Screen Partner (NEW)Self-fund and choose from a range of health screens relevant to your partnerChoices: Silver, Gold, Platinum, Breast, Mammogram, Ovarian and Cervical, Prostate, Nutrition, Personal Resilience, Musculoskeletal

Fixed BenefitsHealth Centre Members of the Healthcare Plans have free access to onsite or near site private Doctors, Practice Nurses and CBT therapists

Physiotherapy Members of the Healthcare Plans have access to onsite or near site physiotherapists

Eyecare Free annual eye test voucher and a contribution towards glasses needed for screen work

Livewell Health and Wellbeing ProgrammeOffers you tools and tips to improve your wellbeing in your personal and professional life

Health and WellbeingSupporting your wellbeing and helping you access the care that you and your family need

Key Available to your Family

Available at Annual Enrolment Only1212Some Firm Funding Provided

Income Tax Savings Available Salary RelatedNI Savings Available Rolls Over

Benefit OptionsLong Term Disability Insurance Income insurance if you are ill or injured and have been unable to work for a prolonged periodChoices: From 50% of your Benefit Salary up to 80% of your Base Salary

Life Insurance Providing you with cover should you die whilst in service; the benefit is paid out as a tax-free lump sumChoices: Between 4 and 24 times your Benefit Salary

Life Insurance Partner Self-fund for Life Insurance cover for your partner up to £500,000, paid as a tax-free lump sum

Critical Illness Insurance for you and your partner On diagnosis of a qualifying illness receive a tax-free lump sum paymentChoices: Between £25,000 and £250,000 each

Personal Travel Insurance Self-fund insurance for you and your family when travelling for leisure

Will Writing Service (NEW)Access to a will writing service for you and your partner on a self-fund basisChoices: Basic Will Service, Willplus Service, Lifetime Service

Fixed BenefitsPersonal Accident InsuranceIn the event of death or a serious accident, you could be eligible to receive up to three times your Benefit Salary, paid out as a taxable lump sum

Short Term DisabilityReceive up to 28 weeks Base Salary if you are ill or injured and unable to work

Business Travel InsuranceIf you are travelling on Firm business you will be covered under this policy

ProtectionHelping you provide financial protection for you and your family

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Key Available to your Family

Available at Annual Enrolment Only1212Some Firm Funding Provided

Income Tax Savings Available Salary RelatedNI Savings Available Rolls Over

Benefit OptionsPension Save for retirement using the Firm’s pension plans. Additional savings options are available if you exceed HMRC pension Lifetime Allowance limitsChoices: Self-fund up to 5% of your pay into your pension and the Firm will fund up to 11% of your Benefit Salary.

Some employees may have other grandfathered contributions up to 15%

Pension Top-Up Pay additional voluntary contributions into your pensionChoices: Select an amount of your Base Salary (£ or %)

Share Ownership Purchase Morgan Stanley shares through your monthly payChoices: £10 to £150 per month

Bonus Waiver Elect to waive some or all of any bonusChoices: Waive into your pension, purchase Morgan Stanley Shares or donate to charity

Fixed BenefitsFinancial AdviceAccess to independent mortgage and/or independent financial advice

SavingsEnabling you to shape your financial future

Key Available to your Family

Available at Annual Enrolment Only1212Some Firm Funding Provided

Income Tax Savings Available Salary RelatedNI Savings Available Rolls Over

Benefit OptionsAnnual Leave — Buy Purchase additional days to give yourself more flexibility Choices: Between 0.5 to 5 days (maximum of 33 days in total)

Fitness Centre Access the onsite Fitness Centre facilities and studio classesChoices: With kit (available in London only)

Childcare Vouchers Help to pay for after school clubs, nannies and nurseries Choices: £25 to £243 per month

Cycle to WorkChoose a bicycle and/or safety equipment for your commute to workChoices: £10 to £1,000 voucher

Season Ticket LoanGet an interest free loan for your commuter season ticket, and spread the repayments Choices: Up to £10,000

Payroll Giving Donate to charity through your monthly payChoices: Select an amount of your Base Salary (£)

Car Park To help with the cost of parking in the Morgan Stanley car park

Fixed BenefitsBack-Up Family Care Firm funded emergency child, elder and convalescent care for when things don’t go to plan

Employee Assistance Programme Free access to practical solutions, counselling, trusted support and valuable resources for life’s challenges

Company Store Free access to offers and discounts, on brand names and retailers, both online and in store

1212

LifestyleGiving you and your family additional benefits to support you at work and at home

Key Available to your Family

Available at Annual Enrolment Only1212Some Firm Funding Provided

Income Tax Savings Available Salary RelatedNI Savings Available Rolls Over

You will be invited to make your benefit choices, including any changes to your current benefit choices, as well as electing new benefits, during Annual Enrolment in November/December of each year, with benefits effective from 1 January.

In addition to Annual Enrolment, we recognise that personal circumstances may mean that you need to reassess your benefit choices, so you are also able to make changes to your benefits on the occasion of a Life Event.

Life Events include a change in family or work circumstances; and starting or returning from leave. Life Events can be declared on Benefits iQ and the changes you are able to make outside of Annual Enrolment will depend on the event declared. You have 31 days from the Life Event to make your choices.

Making your choices and changes outside of Annual EnrolmentAccess the site by typing benefitsiq into your Firm web browser, and click Life Events and Declare a Life Event and then follow the three steps to make your choices:

1. Verify your information2. Choose benefits3. Confirm choices

When you have submitted your choices an email confirmation will be sent to your work email address.

Making Changes

© 2016 Morgan Stanley LDN CS 8727840 10/16

Further information

HR Services EMEA HRServicesEMEA@morganstanley.com Internal: 425 7575 External: 0207 425 7575 Mon – Thurs: 8.30a.m. to 6.00p.m. Fri: 8.30a.m. to 5.30p.m.