To facilitate navigation through the Morgan Stanley Smith Barney Benefit Access for retirement plans,* Morgan Stanley Smith Barney has organized the site into four main sections:

Employees can monitor their retirement plan account information in a user-friendly format. Features include:

	Balance Detail—view specific balances for employee contribution and employer contribution, if any.
	Account Summary —view account balance, account performance, paycheck deferral rate and allocation summary. This page has been designed to resemble the Participant Quarterly Review statements.
	Account Modifications—change contribution elections and allocations, transfer balances among investment options, rebalance investment selections or review pending transactions.
	Personal Information—review a listing of pertinent, personal information.
	Loan Information—review available loan options.
	Withdrawal Amounts—review the types of available withdrawals available to the account.
	Activity History—view Activity History for up to 120 days.
	Forms—download forms to request an IRA rollover, distributions, beneficiary designation changes or personal information changes.

Employees can learn about the investment options available in their retirement plan.

	Fund Descriptions—view comprehensive descriptions of the investment choices offered within the plan.
	Fund Performance—view investment performance for the funds available in the plan.

The financial calculators offer several interactive tools to help an employee model and analyze different scenarios involving their plan account.

	Impact On Your Paycheck—calculate how a change in salary deferral can impact take-home pay based on assumptions provided by the employee.
	Retirement Planning Analysis—calculate future retirement needs based on current salary and retirement contributions.
	Accumulation Projection—calculate projected account balance upon retirement based on assumptions provided by the employee.

Employees can access retirement planning education, a site description, information about Morgan Stanley Smith Barney and customer service support.

	Quarterly Newsletters
	Communication Brochures
	Frequently Asked Questions
	Glossary of Terms
	Site Map
	Online Overview to Benefit Access
	Important Contact Information
	Links to other Citigroup web sites
	E-mail a Customer Service Representative
	Note of Business Continuity Preparedness.

* Our network of third party administrators may not offer all the Internet features referenced on this site.