Stock Plan vs Pluto

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

Pluto turns transaction receipts and payment alerts into a private financial memory on your iPhone or iPad. Start with a savings target and protect the parts of life you do not want to cut. Pluto builds a practical path from your own spending patterns, then keeps the useful work close at hand. Connect Gmail only when you choose to import. Pluto uses read-only access to find transaction-like receipts and payment alerts, extract merchant, amount, date, category, and receipt signals, and store the resulting records locally on your device. With Pluto you can: • Build a savings path around your preferences. • Ask focused questions about your own spending history. • Search chronological transactions and inspect their details. • Review uncertain imports and correct local rules. • Track reimbursement suggestions and confirm the amount you actually received. • See historical changes only when Pluto can trace them to your data. • Hide amounts with privacy mode or delete local data at any time. Pluto's recent 30-day ledger is included for the first 30 days with no payment required. Older Gmail history requires an active Pluto Access subscription. This complimentary access is not an App Store trial and never converts or charges on its own. If a user voluntarily subscribes during those 30 days, the paid term starts immediately after Apple confirms; the user may instead wait through the displayed end date. After 30 days, an active monthly, three-month, or yearly Pluto Access subscription is required to continue using the app; account, local-data, and help controls remain available. Gmail connection is always optional. Gmail data is used only to build your personal spending records. Pluto does not sell Gmail data, use it for advertising or creditworthiness, or train generalized AI models with it. Know your spend. Keep it yours. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/