Morgan Stanley Choicesm Account is the commission-free way to invest with Morgan Stanley.

Now you can invest with a Morgan Stanley Financial Advisor, plus be able to trade online, and have personal access to the world's #1 research.* All without ever paying a single commission - just a fee based on the assets in your account. The Morgan Stanley Choice account. One more way you're well connected.

Limited-time offer: If you open a Morgan Stanley ChoiceSM account before November 30, 2001, you can receive a comprehensive Morgan Stanley Financial OutlookSM financial plan and a Morgan Stanley debit Platinum MasterCard? card at no additional cost!

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*Ranked #1 Global Research Team for 2000 by Institutional Investor magazine, December 2000.

The Morgan Stanley Choice brokerage account is an alternative way to pay for transactions. Any investment advice is solely incidental to Morgan Stanley's business as a broker-dealer. Morgan Stanley Choice is not for day trading or other extreme trading activity, including excessive options trading or trading in mutual funds based on market timing. Morgan Stanley Choice carries a minimum $1,000 annual fee and closing fees may apply. Morgan Stanley, Morgan Stanley Choice, Morgan Stanley Financial Outlook and Well Connected are service marks of Morgan Stanley Dean Witter & Co. Services are offered through Morgan Stanley DW Inc., member SIPC. MasterCard is a registered trademark of MasterCard International Inc. ?2001 Morgan Stanley DW Inc.

	



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