Hawaii Service Agreement between Morgan Stanley Dean Witter Advisors, Inc. and Morgan Stanley Dean Witter Services Company

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Service Agreement between Morgan Stanley Dean Witter Advisors, Inc. and Morgan Stanley Dean Witter Services Company, Inc. regarding the performance of administrative services dated June 22, 1998. 4 pages.
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Rates and Fees Bank YieldsPremium Savings AccountMinimum monthly balanceNo account minimums are required to maintain this accountMonthly feesNo monthly account feesMinimum opening deposit$02FDIC InsuranceAt least $500,00031 more row

Purcell was named chairman and chief executive of what became Morgan Stanley, Dean Witter, Discover & Company, later shortened to Morgan Stanley in March 2001. Mack stayed on as president until 2001.

By signing this Agreement you instruct Morgan Stanley, to the extent permitted by law, to send you confirmations of transactions with your monthly statement instead of individual trade confirmations following each transaction. You will not pay a different fee for this service.

With an annual management fee of 0.30 percent, Morgan Stanley falls in the middle of the range for robo-advisors. While 0.30 percent doesn't sound like much, that means it will cost $30 for every $10,000 you have invested.

INVESTMENT ADVISORY ACCOUNTS In an investment advisory account, you generally compensate Morgan Stanley and our Financial Advisor through an annual fee, payable monthly, in advance based on the total value of the assets in your investment advisory account at the end of the previous month.

Examples of Industry Coverage Groups: Real Estate. Healthcare. Technology, Media & Telecom (TMT) Financial Sponsors Group (FSG) Financial Institutions Group (FIG) Technology. Public Finance. Industrials.

In a Brokerage account, advice is typically given at the time of trade. In an Advisory account, advice and monitoring occur on an ongoing basis. Advisory accounts attempt to avoid conflicts of interest, and disclose those which cannot be avoided. In a Brokerage account, the more you trade, the more fees you owe.

(''Dean Witter Discover'') and Morgan Stanley Group Inc. (''Morgan Stanley'') and was formed pursuant to a merger of equals that was effected on (the ''Merger''). MSDW was originally incorporated under the laws of the State of Delaware in 1981, and its predecessor companies date back to 1924.

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Hawaii Service Agreement between Morgan Stanley Dean Witter Advisors, Inc. and Morgan Stanley Dean Witter Services Company