From: Morgan Stanley Announcements <announcement@online.morganstanley.com>
Sender: Morgan Stanley Accouncements <announcement@online.morganstanley.com>
Organization: Morgan Stanley Online
Subject: The acquisition of Morgan Stanley Online accounts by Harrisdirect
X-Mailer: Perl5 Mail::Internet v1.42
Message-ID: <20020510163031.5EAA6102E8A@nfs1-ut.msr-us.net>
Date: Fri, 10 May 2002 09:30:31 -0700 (PDT)


Dear Morgan Stanley Online Investor:

On May 9 2002, we agreed to sell Morgan Stanley Online accounts to Harrisdirect,  previously known as CSFBdirect. Harrisdirect is part of the Bank of Montreal  group of companies. As part of this arrangement, we expect Morgan Stanley Online  accounts to be transferred to Harrisdirect in July 2002.

As part of Morgan Stanley's focus on its Financial Advisor business, we have  decided to focus our efforts and resources to support our 14,000 Financial Advisors nationwide. In choosing a desirable platform for online investing, we believe that Harrisdirect will best meet your needs. Harrisdirect is the
combination of CSFBdirect, including its award-winning Web site, and The Harris, a well-respected financial services company for more than 100 years. Please visit www.harrisdirect.com/msonline.htm for a complete description of the new products and services that will be available to you as a Harrisdirect client.

We regret any inconvenience this transition may cause you. We pledge to support you with the highest quality service during this transition. We will provide you with additional information as it becomes available with updates to our Frequently Asked Questions page found on the Morgan Stanley Online Web site, as well as through your Morgan Stanley Online account statements and in future mailings. If you have any questions concerning your Morgan Stanley Online account, please contact a Customer Service Representative at 1-800-688-6896, or send an email to onlineclientsupport@morganstanley.com.

Thank you for your continued business.

Sincerely,

Bruce Alonso
Managing Director

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