You may name any person, charitable organization, estate or trust as your beneficiary under these Morgan Stanley plans:

• Life Insurance Plan
• Accidental Death and Dismemberment (AD&D) Plan
• 401(k) Plan

And you may change your beneficiaries at any time through the Benefit Center website. If your beneficiary is a trust, your appointment will not be approved until the required trust documentation is provided to HR Services.

The last properly executed beneficiary designation on file with HR Services (either electronic or paper) on the date of death is the valid designation used by the Plan. If there is no valid beneficiary designation on file, the beneficiary will be determined under the Plan’s default beneficiary rules. It is your responsibility to make sure your beneficiary designations are properly recorded on the Benefit Center website.