To set or change your contribution rates in the 401(k) Plan, visit the Morgan Stanley Benefit Center website and go to Savings and Retirement > 401(k) Savings Plan > Change Contributions and designate the rate of pay by pay type you want to contribute.

To set your contribution rates to increase automatically, visit the Morgan Stanley Benefit Center website and set your initial contribution rates. Then, follow the instructions and enter annual increase and target rate percentages.

To choose or change your investment mix or investment elections for future contributions, visit the Morgan Stanley Benefit Center website and go to Savings and Retirement > 401(k) Savings Plan > Change Investments and follow the instructions.