a

c

b

Morgan Stanley offers a free, automated way to transfer the proceeds from stock plan transactions directly into your U.S. bank account. This payment method, called Electronic Fund Transfer, is an alternative to receiving a check in the mail or wiring funds. Proceeds will be delivered to your bank account electronically, approximately six to eight business days after you exercise stock options or sell stock plan shares.

How do I Transfer Stock Plan Proceeds to my Bank Account?

1 MORGAN STANLEY | 2014

StockPlan Connect

StockPlan Connect will guide you through the steps required to set up your Electronic Fund Transfer (EFT) Instructions.

STEP 1: NAVIGATE TO THE PAYMENT INSTRUCTIONS SCREEN

a. Click on the Profile Link

b. Click on the Payment Instructions Tab STEP 2: LAUNCH THE ADD NEW ELECTRONIC FUND TRANSFER INSTRUCTIONS PROCESS

c. Click the Add New button

How do I set up Electronic Fund Transfer on StockPlan Connect?

d

e

g

f

h

i

Q: WHERE DO I FIND MY BANK’S ROUTING (ABA) NUMBER AND MY ACCOUNT NUMBER?A. Both numbers are typically shown at the bottom of your bank checks and de-posit slips. The account number is shown on your bank statement. You can also call your bank or look up the numbers on your bank’s website.

Q. WHAT WILL HAPPEN IF I FORGET TO ENTER MY BANK’S ROUTING INFORMATION AND/OR MY ACCOUNT NUMBER?A. If you did not enter your bank informa-tion or entered incorrect information at the time of set-up, we will send your transaction proceeds via check.

2 MORGAN STANLEY | 2014

TRANSFERRING STOCK PLAN PROCEEDS

STEP 3: ENTER BANK INFORMATION

d. Enter your bank’s routing (ABA) number and bank account number

e. Click the next button

STEP 4: REVIEW AND ESIGN

f. Review your receiving bank information

g. Enter your StockPlan Connect password to esign your request

h. Click on the Next button

STEP 5: CONFIRM INSTRUCTIONS HAVE BEEN RECEIVED

i. Review confirmation page and click the Done button

Once you have completed Steps 1 through 5, your Electronic Funds Transfer Instructions will be displayed on the Payment Instructions page.

Q. HOW LONG DOES IT TAKE FOR ELECTRONIC FUND TRANSFER INFORMATION TO BECOME EFFECTIVE?A. Once you enter your bank information on StockPlan Connect, you can select Electron-ic Funds Transfer as a delivery method for the next transaction you perform, whether the transaction is done online or using our service centers.

NOTE: You can edit or delete your EFT instructions at any time by clicking on the edit or delete links

Q. WHEN I DO A STOCK PLAN TRANSACTION ONLINE, HOW DO I CHOOSE ELECTRONIC FUND TRANSFER FOR MY PROCEEDS DELIVERY?A. As part of the transaction process, you will be asked ‘How would you like the proceeds delivered?’ Click on the Delivery Method drop down menu and select ‘Initiate an electronic funds transfer.’ The last four digits of the account number you specified when you entered Electronic Fund Trans-fer instructions will be displayed on the Transaction screen.

Q. WHAT IS THE DIFFERENCE BETWEEN AN ELECTRONIC FUND TRANSFER AND A WIRE TRANSFER?A. Morgan Stanley does not charge a fee for Electronic Fund Transfer.1

A fee is charged for Wire transfers, though you will receive your proceeds faster, typically on the fourth business day after your transaction. Electronic Fund Transfer limits delivery to U.S. bank accounts in U.S. dollars. Wire transfers allow for proceeds to be delivered to non-U.S. bank accounts in non-U.S. dollars.

Q. Who can I contact for additional assistance?A. Please contact the Morgan Stanley Service Center at: 1-866-722-7310 or 1-801-617-7435.

TRANSFERRING STOCK PLAN PROCEEDS

© 2014 Morgan Stanley Smith Barney LLC. Member SIPC. CRC1029614 CS 8041207 10/14

NOTE: Clicking on the edit/delete link will take you to the Profile: Payments Instructions screen where you can see or edit your EFT details. However, your transac-tion will not be saved. You can also edit your EFT instructions after your trade has been submitted. You have one business day after the order executes (T+1) to edit these instructions. If your edits are not submitted by 4pm one day after the trade, your proceeds will be delivered via the EFT instructions we have on file.

1 Your receiving bank may charge a fee. Morgan Stanley is not responsible for any fees charged by the receiving bank.