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401(k) Plan Benefits

401(k) plan Benefits 2019 summary plan Description 2019 401(k) plan summary plan Description 2 The Morgan Stanley 401(k) plan ( 401(k) plan or plan ) is designed to provide you with a tax-advantaged opportunity to save for retirement. The provisions of the 401(k) plan , in effect as of January 1, 2019, are summarized here. Any inconsistency between this communication and the terms of the official plan document will be governed by the plan document. Morgan Stanley and its benefit plans are not responsible for any data errors or processing delays. The plan Administrator may correct any errors at any time. Check your confirmations and statements to ensure that your elections are correctly reflected. The Company and its affiliates reserve the right to amend, modify, terminate or discontinue the Plans at any time, including the right to change Benefits or contributions.

2019 401(k) Plan Summary Plan Description 4 Introduction The 401(k) Plan is designed to help you save for retirement. With the added help of Company Contributions for eligible employees, you can build income for a secure future. You are encouraged to take full advantage of the opportunities your 401(k) Plan provides.

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