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0000905148-03-002791 Sample Contracts

EXHIBIT 99.4 ------------
Indenture • August 1st, 2003 • Morgan Stanley Auto Loan Trust 2003-Hb1 • Asset-backed securities • New York
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Standard Contracts

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EXHIBIT 99.2 ------------
Sale and Servicing Agreement • August 1st, 2003 • Morgan Stanley Auto Loan Trust 2003-Hb1 • Asset-backed securities • New York
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EXHIBIT 99.3 ------------
Assignment, Assumption and Recognition Agreement • August 1st, 2003 • Morgan Stanley Auto Loan Trust 2003-Hb1 • Asset-backed securities • New York
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EXHIBIT 99.1 ------------
Trust Agreement • August 1st, 2003 • Morgan Stanley Auto Loan Trust 2003-Hb1 • Asset-backed securities • Delaware
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EXHIBIT 99.5 ------------
Purchase and Servicing Agreement • August 1st, 2003 • Morgan Stanley Auto Loan Trust 2003-Hb1 • Asset-backed securities • New York
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The Huntington National Bank Huntington Center 41 South High Street - HC0716 Columbus, OH 43287
Purchase and Servicing Agreement • August 1st, 2003 • Morgan Stanley Auto Loan Trust 2003-Hb1 • Asset-backed securities
Sample 1Sample 2Sample 3