Document:

EX-10.1

 Exhibit 10.1 

Fourth Amendment to Investor Agreement 

THIS FOURTH AMENDMENT TO THE INVESTOR AGREEMENT (this “Amendment”), dated as of April 6, 2016, is made by and between Morgan
Stanley, a Delaware corporation (the “Company”), and Mitsubishi UFJ Financial Group, Inc., a joint stock company organized under the laws of Japan (the “Investor”). 

W I T N E S S E T H: 
 WHEREAS,
the Company and the Investor are parties to that certain Investor Agreement, dated as of October 13, 2008, and amended by the First Amendment to Investor Agreement, dated as of October 27, 2008, and amended and restated by the Amended and
Restated Investor Agreement, dated as of June 30, 2011, and amended by the Third Amendment to Investor Agreement, dated as of October 3, 2013 (the Investor Agreement, as so amended and restated, the “Investor Agreement”); and

 WHEREAS, the Company and the Investor have determined to further amend the Investor Agreement as set forth herein. 

NOW THEREFORE, in consideration of the premises and of the respective representations, warranties, covenants and conditions contained herein,
the parties hereto agree as follows: 
  

	1.	Defined Terms. Capitalized terms used but not defined in this Amendment shall have the respective meanings ascribed to them in the Investor Agreement. 

 

	2.	Amendments. The Investor Agreement is hereby amended as follows: 

  

	 	2.1.	The first sentence of Section 3.4 is amended and restated in its entirety as follows: “Standstill Period” shall mean the period from the date hereof until the earlier of (i) October 13, 2018, and
(ii) the occurrence of an Investor Rights Termination Event; provided, however, that the parties shall, prior to the expiration of the Standstill Period, discuss in good faith whether to extend the Standstill Period (with no obligation to
extend).” 

  

	 	2.2.	Section 5.6 is amended and restated in its entirety as follows: “The preemptive right to purchase Covered Securities granted by this Article V shall not be available for any offering that commences at any time
after (i) October 13, 2018 (the “Preemptive Rights Expiration Date”) or (ii) the date on which the Investor Transfers any of the Securities that it acquired on the Closing Date or the Common Stock issued upon conversion of
any Securities, or Hedges its exposure to the Common Stock, except as contemplated by clause (i) or (ii) of the first sentence of Section 4.1(a) and Section 4.1(e); provided, however, that the parties shall, no later than 3
months prior to the Preemptive Rights Expiration Date, discuss in good faith whether to extend the Preemptive Rights Expiration Date (with no obligation to extend).” 

	3.	No Other Amendments. Except as expressly set forth herein, the Investor Agreement remains in full force and effect in accordance with its terms and nothing contained herein shall be deemed to be a waiver,
amendment, modification or other change of any term, condition or provision of the Investor Agreement (or a consent to any such waiver, amendment, modification or other change). All references in the Investor Agreement to the Investor Agreement
shall be deemed to be references to the Investor Agreement after giving effect to this Amendment. 

  

	4.	Changes. This Amendment may not be modified or amended except pursuant to an instrument in writing signed by the Company and the Investor. 

 

	5.	Headings. The headings of the various sections of this Amendment have been inserted for convenience or reference only and shall not be deemed to be part of this Amendment. 

 

	6.	Applicable Law and Submission to Jurisdiction. This Amendment will be governed by and construed in accordance with the laws of the State of Delaware applicable to contracts made and to be performed within the
State of Delaware. The provisions of Sections 9.5 and 9.12 of the Investor Agreement shall apply to this Amendment as if each such provision were set forth herein in their entirety. 

 

	7.	Counterparts. This Amendment may be signed in one or more counterparts, each of which shall constitute an original and all of which together shall constitute one and the same agreement. 

  
 - 2 - 

 Please confirm that the foregoing correctly sets forth the agreement between us by signing in
the space provided below for that purpose. 
 AGREED AND ACCEPTED: 
  

									
	MORGAN STANLEY	 		 	MITSUBISHI UFJ FINANCIAL GROUP, INC.
					
	By:	 	 /s/ James Rosenthal
	 		 	By:	 	 /s/ Tadashi Kuroda

	Name:	 	James Rosenthal	 		 	Name:	 	Tadashi Kuroda
	Title:	 	Chief Operating Officer	 		 	Title:	 	Senior Managing Executive Officer

 [Signature Page to Fourth Amendment to Investor Agreement]EX-10.2

 Exhibit 10.2 
  

 
 February 25, 2016 

 

			
	To:	  	Colm Kelleher
	From:	  	Human Resources
	
	Subject:    Relocation from London to New York as a Local Employee

 This package has been designed to assist you in your move from your current position in London to a position in 

New York as a local United States of America employee. 
 Please
consult the Morgan Stanley Worldwide International Relocation policy for additional details regarding these benefits. 
 Should you have any questions or
concerns about any aspect of this package, please contact the appropriate person in International Services: 
  

									
	 Name
	  	 Contact Number
	  	 Email
	  	 Location
	  	 Team

	Andrea Dowling	  	[redacted]	  	[redacted]	  	London	  	Human Resources
					
	Lloyd Levenberg	  	[redacted]	  	[redacted]	  	New York	  	Human Resources
					
	Catherine Quinn	  	[redacted]	  	[redacted]	  	Purchase	  	International Services

 Compensation and Benefits 

Base Salary and Above Base Compensation: Upon transfer your base salary and total compensation will be determined in US dollars. Please note
that you cannot be paid from the US payroll until you have completed the necessary requirements. Completing your onboarding paperwork is the first step in your orientation process. Upon transfer you will receive an email from HR with detailed
instructions on how to complete your onboarding paperwork online and you will be provided a username/password to logon. 
 Please contact your tax advisor
if you need assistance completing the W4 form or refer to the IRS website (http://www.irs.gov/) to access their withholding calculator. 

Personal Details Update: Please update your personal and work location details via the Self Service Tab in the Corporate Directory. Please
note that if you do not set up direct deposit immediately, your paycheck will be mailed to your home address on file even if is outside of the United States. Please make sure direct deposit is set up and/or that you update your current US address
via Self Service. 
 Benefits: Upon your relocation to the US, you will be enrolled in the US Health and Welfare and Retirement and
Savings Plan benefit programs. You have 31 days after your transfer to make this election or you will be automatically enrolled in the coverage listed in the “If You Do Not Make Elections” section of your personalized enrollment worksheet,
which you will receive from the Benefit Center approximately 7 business days after your relocation. 
 If you have a US social security number on file with
the Firm, you must log into the Benefit Center website [website address redacted] and click on Register as a New User on the right navigation bar to enroll. 

Work Documentation 
 Employment
Visa: The Visa Center will determine the type of visa required and contact you to begin the process. (email: msvisacenter@ogletreedeakins.com) 

Compliance: Compliance has a dedicated team which facilitates the registration process for Morgan Stanley and its employees, assisting with
obtaining and maintaining the appropriate licenses and managing the registration filings for Morgan Stanley and its branch offices. 
 Please contact your
local Compliance Registrations team if you have any questions relating to registration and licensing requirements. 
 Taxes: The Firm will
authorize PriceWaterhouseCoopers to prepare your United Kingdom and United States taxes relating to your year of transfer. 
 You should be aware that
your move may impact the tax treatment of the discretionary year-end Above Base Compensation (cash bonus and deferred incentive compensation) awarded to you, if any, at the 

 
end of the Firm’s current fiscal year and/or deferred incentive compensation granted in prior years. The Firm will ensure that appropriate corporate and payroll reporting is adhered to in
both the United Kingdom and the United States of America, as required. Consequently, it is advised that you retain a bank account in the United Kingdom following your relocation. 

Relocation Allowance: You will receive a relocation allowance of USD 6,250 for miscellaneous expenses based on a family size of 2. Miscellaneous
expenses would include the purchase of small household appliances, curtain and carpet refitting, rental car expenses, driver’s license fees, etc. 

Corporate credit cards may not be used for relocation expenses. Relocation expenses charged on corporate cards will not be processed. 

Home Search Trip: Employees with accompanying dependents are eligible to visit the assignment location for a 

maximum of 7 days to secure housing, to orient themselves to the new location and to address family issues. Round-trip airfares and hotel accommodation can be
arranged through the Firm’s Travel department. 
 A per diem allowance of USD 45 for the employee and USD 25 for each dependent travelling on the home
search trip will be provided to cover for incidental expenses during that trip. 
 Travel Expenses at Time of Transfer: You will be reimbursed
for customary and reasonable transportation expenses for travel to New York including airfare in the class determined by your department’s travel policy and transportation to and from airports. All personal belongings should accompany you
during your travel. The Firm will reimburse reasonable excess baggage costs. If you anticipate incurring such costs, please advise the travel department when making flight arrangements. Flight arrangements should be made through the Firm’s
travel department. 
 Transportation of Household Goods: You will be entitled to one air shipment of personal effects (excluding furniture) to
New York to a maximum of 500 lbs. plus an additional 100 lbs for each dependent. You will also be entitled to surface shipment of household goods (furniture and other items that may have exceeded the limitation of the air shipment) to the maximum
capacity of a 40-foot container (approx. 2000 cubic feet.). 
 Lease Cancellation: The Firm will reimburse you for reasonable costs associated
with the cancellation of your lease agreement in New York. The maximum reimbursement will be two months rental expenses only where duplicate housing costs are incurred and this will be the lesser amount of such rental costs as determined under the
old and new leases. 
 Broker’s Fee: The Firm will reimburse any customary broker’s fee up to 12 percent required to be paid for the
rental of an apartment in New York. 
 Auto Loss: You will be entitled to reimbursement on all or part of the loss on the disposition of an
automobile. This is determined by the difference between the current retail price (as determined by Parkers) and the actual selling price, capped at 25% of the retail price or GBP 3,000, whichever is lower. There is a limit of one car per licensed
driver, and a maximum of two cars per family. Please go to the Parkers website (www.parkers.co.uk) to obtain an evaluation for your vehicle. 
 Tax
Effects of Relocation Benefits: A portion of your reimbursed relocation and temporary living expenses and all of your relocation allowance may be considered taxable income in the United Kingdom and the United States of America. However, the
Firm will reimburse you for any United Kingdom or United States of America income tax liability resulting from relocation related payments. 
 Housing
Allowance: You will receive a monthly housing allowance of $18,333 to facilitate the maintenance of your United Kingdom residence while you are residing in the United States.

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