Stock Plan vs Receiptless

Designed exclusively for stock plan participants with share plans serviced by Morgan Stanley, the Morgan Stanley at Work app brings many features and key functionality of the desktop platform to your iOS devices. The app enables you to view your stock plan account balance and activity, check your award vesting schedules, sell your shares and exercise options Interactive data visualizations give you important account information at a glance. The Morgan Stanley at Work app will apply to your existing account preferences and settings and provide you with a curated view of your stock plan portfolio. With the Morgan Stanley at Work app for iOS, you can: • Log in to your stock plan account using Face ID or Touch ID • Get visualizations of your assets, including positions, balances and transaction history • View, accept, or decline grant agreements and documents • Sell shares and exercise options • Certify your Form W-9 or Form W-8BEN To access this app, you must be a stock plan participant with a share plan serviced by Morgan Stanley and have previously registered on atwork.morganstanley.com. If you are a Morgan Stanley Online customer looking to access your brokerage account, please download the separate Morgan Stanley Wealth Management app in the Apple App Store®. Apple®, the Apple logo, iPhone®, iPad®, and iPad Air® are trademarks of Apple Inc., registered in the US and other countries. Apple Pay™ and iPad mini™ are trademarks of Apple Inc. App Store is a service mark of Apple Inc. Subject to cell phone connectivity. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters. © 2023 Morgan Stanley Smith Barney LLC. Member SIPC. CRC 5729949

Receiptless keeps your receipts and your business miles in one calm, private place on your iPhone, and turns them into a deduction at tax time. RECEIPTS THAT READ THEMSELVES • Snap a photo and it reads itself: Receiptless finds the store, the date, the total and every line: items, taxes, tip, discounts, loyalty points, the card you paid with. You check it before it is saved. The reading happens on your iPhone with its own text recognition. • Screenshots work too: an emailed receipt or an order confirmation reads the same way. • Spot new receipt photos, log every Apple Pay tap, share receipts in from Mail, Photos or Files, or say "Hey Siri, add a receipt". • Ask anything: "How much on coffee this month?" MILES THAT LOG THEMSELVES • Receiptless notices when you drive and records the trip: distance, start and end. • Or tap Start a trip and End trip yourself. • Swipe a trip to mark it business or personal. Set Home and Work by address, and rules sort the rest. • The deduction adds up at the IRS rate, with the mid-year rate change handled for you. INSIGHTS Pick a range and see spending by category and place, business and personal miles, the deduction so far, the dates coming up, and your own categories. Export any range as a PDF or CSV. All free. TAX PRO: ONE PURCHASE, NO SUBSCRIPTION Tax Pro has its own tab. It adds: • Automatic trips without limit (the first 30 are free, so you can see it work) • An IRS-style mileage log PDF: date, from, to, purpose, miles and rate • A Schedule C pack: line 9 mileage, parking and tolls, and your work receipts by line, ready for your preparer • Your deductions for the year at a glance, with the quarterly estimated-tax dates PRIVATE BY DESIGN No account, no server, no ads. Your receipts and trips are stored only on your iPhone. Place names for trips come from Apple Maps. Receiptless is not tax advice; check with your preparer.