Enrolling in Your Employee Stock Purchase Plan
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1 Enrolling in Your Employee Stock Purchase Plan Your company has invited you to participate in its Employee Stock Purchase Plan (ESPP), which allows you to contribute a portion of your salary to purchase shares of your company s stock. The following guide outlines the steps for enrolling in your plan online and provides basic information. For specific information about your plan, please contact your plan administrator to obtain all the necessary documentation. Your company is the source for comprehensive information and materials you need to understand your plan. As a supplemental reference, you can also visit StockPlanConnect.com and go to the Document Library to find the plan documents provided to us by your company. Please keep in mind StockPlan Connect may not have all the documentation your company has available. TABLE OF CONTENTS Q. What is an ESPP? Q. What else do I need to know about an ESPP? Q. How do I enroll in my company s ESPP? Q. What information will I need to complete the enrollment validation? Questions & Answers Q. WHAT IS AN ESPP? A. An ESPP is a way for you to purchase shares of your company s stock through payroll deductions, sometimes at a discounted price. Once you have enrolled in the plan, your company will collect your payroll contributions to purchase shares on a specific date. The shares are then deposited to an account at Morgan Stanley. Morgan Stanley is the service provider for your ESPP and provides Web tools and Service Center Professionals to help you monitor your purchases and answer questions. Q. WHAT ELSE DO I NEED TO KNOW ABOUT AN ESPP? A. There are several terms that will help you understand your ESPP such as Enrollment Period, Plan Offering Period, Purchase Period and Purchase Date. These terms are defined throughout this guide.
2 Q. HOW DO I ENROLL IN MY COMPANY S ESPP? A. Please visit StockPlanConnect.com, Morgan Stanley s website for Plan Participants. Click on the a Enroll or adjust your contributions link (found under the section titled For Select Plans Only towards the bottom of the Login to Your Account box) homepage. Once you complete the validation process, you may continue to the enrollment page to indicate the portion of your salary that you would like to contribute to the plan. a Q. WHAT INFORMATION WILL I NEED TO COMPLETE THE ENROLLMENT VALIDATION PROCESS ONLINE? A. You will need to provide your company s stock ticker symbol, your Participant Unique Identifier (which is most often the Employee ID number provided by your employer), and/ or your Social Security Number or company assigned Global ID, as well as your date of birth or date of hire. Q. HOW LONG DO I HAVE TO ENROLL? A. The time period when you can enroll in the ESPP is referred to as the Enrollment Period. This period is defined by your company and can last anywhere from weeks to several months. During this time period, you re permitted to enter your contribution election or make changes to your current selections. You can find your company s specific enrollment dates in your company s plan documents and online when you begin the enrollment process on StockPlanConnect.com. 2 MORGAN STANLEY 2015
3 Sample ESPP Timeline Q. WHAT IS THE PLAN OFFERING PERIOD? A. The plan offering period is the time period during which payroll deductions are collected and shares are purchased. For some plans, the offering period and the purchase period are the same timeframe. Some plans may have an offering period that contains several purchase periods. For example, the offering period may be a 12-month period, containing four purchase periods of three months each. Q. WHAT IS A PURCHASE PERIOD? A. The purchase period can be part or the same timeframe as the offering period. At the end of this period shares will be purchased using your accumulated contributions. The purchase date is usually the last day of the purchase se period. Your company defines the length and dates of the purchase period, as well as the purchase date. Q. HOW MUCH CAN I CONTRIBUTE TO THE ESPP? A. Your employer determines what percentage or dollar amount of your salary can be contributed to the ESPP as set forth in your company s plan documents. This information is reflected on StockPlanConnect.com. For example, You can contribute between 1% and 10% of your salary per pay period, or You can contribute between $1 and $500 of your salary per pay period. Q. HOW MUCH WILL I PAY FOR MY ESPP SHARES? A. The price that you pay is defined by your company s ESPP plan documents. Your company s ESPP may, but is not required to, offer a discounted price on the shares you purchase. You will also see the price for each purchase date listed on the Transaction History screen on StockPlanConnect. com. Note: in most jurisdictions, you are not taxed when the shares are purchased even though they may be purchased at a discount. Please check with your local payroll or tax advisor for more details. Q. WHEN CAN I MAKE CHANGES TO MY CURRENT ENROLLMENT ELECTION? A. You can make changes to your current enrollment election during specific time periods established by your company. For example, your company may allow you to change your contribution amount or withdraw from the ESPP at any time during the purchase period. Please check the company s plan documents for the specific information pertaining to your company s plan. Q. CAN I CHANGE MY CONTRIBUTION AMOUNT? A. Yes, if your plan allows it. You can find this information by referring to your company s plan documents. If your plan permits contribution changes, you can go to the StockPlanConnect.com login page and click on the Enroll or adjust your contributions link and follow the prompts. You can also change your contribution amount by logging in to StockPlanConnect.com with your User Name and Password. Q. HOW DO I STOP MY CONTRIBUTIONS? AM I RESPONSIBLE FOR NOTIFYING MY EMPLOYER? A. You can stop or suspend your contributions by using the Enroll or adjust your contributions link on StockPlanConnect.com or Login to your account. Click on the Withdraw or Suspend button; Morgan Stanley will notify your company within one payroll cycle. Q. WHAT S THE DIFFERENCE BETWEEN WITHDRAWING FROM THE ESPP AND SUSPENDING MY CONTRIBUTIONS? A. Both withdrawing and suspending will stop your ESPP contributions. Your company may give you the option to either obtain a refund or purchase your shares with the funds you have already set aside in the current purchase period. Please refer to your company s plan documents to determine the specific rules regarding withdrawals and suspensions in your company s ESPP. 3 MORGAN STANLEY 2015
4 Q. IF I SUSPEND MY CONTRIBUTIONS OR WITHDRAW FROM THE ESPP BEFORE A PURCHASE, WHAT HAPPENS TO ANY MONEY THAT HAS ALREADY BEEN COLLECTED? A. Depending on your company ESPP plan documents, your employer will stop your contributions and either refund the money you ve contributed, or use the money you ve contributed up to that point to purchase shares on the purchase date. Q. WILL I HAVE A USER NAME AND PASSWORD FOR STOCKPLAN CONNECT? A. As your first ESPP purchase approaches, you will receive either an from Stock- PlanConnect.com or a hard copy mailer, containing a link to access your log-in credentials for the site. Prior to your first share purchase, you will not have a User Name or Password and will be required to access the site via the Enroll or adjust your contributions link. Q. AFTER MY FIRST PURCHASE, HOW DO I LOG INTO STOCKPLANCONNECT.COM? A. Leading up to your first ESPP purchase, you will receive an from StockPlan- Connect.com with a link to the online validation steps. You will be required to provide your Social Security Number or Global ID, company ticker symbol, and date of birth. Following this step, you will create a User Name and Password and answer several personal security questions, which you will be asked in the event you forget your User Name or Password in the future. Q. HOW DO I VIEW MY ESPP INFORMATION ON STOCKPLAN CONNECT? A. Once you log into the site, you will see a list of your stock plans on the left-hand side. By clicking on the Employee Stock Purchase Plan link, you ll have access to all your account data. Q. DO I HAVE TO VISIT STOCKPLAN CONNECT.COM PRIOR TO EACH PURCHASE PERIOD TO MAKE MY ENROLLMENT ELECTION? A. Typically, an enrollment election will carry forward from one purchase period to the next. Contributions will not be changed or stopped unless you make a change on StockPlanConnect.com. Please refer to your company s plan documents. Q. HOW SOON CAN I SELL MY SHARES? A. Your shares are typically deposited into your Morgan Stanley account within three to five business days after your purchase date. However, your company may require that you hold your shares for a certain period of time after the purchase date before selling or transferring them. Please refer to your company s plan documents to determine if a holding period is required. Q. HOW DO I SELL MY SHARES ON STOCKPLAN CONNECT? A. Once you have accessed the ESPP section of the site, you will see a link to Model or Sell Shares. You can select a certain number of shares from the list of shares available. You can sell your shares as a market order or limit order and identify how you d like to receive your proceeds (check or wire). 4 MORGAN STANLEY 2015
5 Q. WHAT ARE THE TAX IMPLICATIONS OF SELLING MY ESPP SHARES? A. The tax treatment of the sale of shares acquired under your ESPP will differ depending on the timing of your sale of shares. If shares are sold more than two years from the first day of the Offering Period and one year from the Purchase date, the sale is considered a Qualifying Disposition and a gain is taxable in two parts. When you sell the stock, any discount that you received when you bought the stock is generally considered additional compensation that you have to pay taxes on as ordinary income. Any further gain may be considered long-term capital gain. Shares sold within two years from the beginning of the Offering Period, and one year from the Purchase Date, are considered Disqualifying Dispositions. When a disqualifying disposition occurs, the difference between the Fair Market Value on the Purchase Date and the Purchase Price is treated as ordinary income on your W-2 in the year of the sale. You should contact your tax advisor if you have any questions about the tax implications of selling your ESPP shares. Q. WHO CAN I CONTACT WITH ADDITIONAL QUESTIONS? A. Please contact the Morgan Stanley Service Center toll-free at or Morgan Stanley Smith Barney LLC. Member SIPC. CRC /2015 CS /15
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