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0000905148-04-002535 Sample Contracts

EXHIBIT 99.1
Trust Agreement • May 20th, 2004 • Morgan Stanley Auto Loan Trust 2004-Hb1 • Asset-backed securities • Delaware

Standard Contracts

EXHIBIT 99.4
Indenture • May 20th, 2004 • Morgan Stanley Auto Loan Trust 2004-Hb1 • Asset-backed securities • New York
EXHIBIT 99.2
Sale and Servicing Agreement • May 20th, 2004 • Morgan Stanley Auto Loan Trust 2004-Hb1 • Asset-backed securities • New York
EXHIBIT 99.5
Purchase and Servicing Agreement • May 20th, 2004 • Morgan Stanley Auto Loan Trust 2004-Hb1 • Asset-backed securities • New York
EXHIBIT 99.3
Assignment, Assumption and Recognition Agreement • May 20th, 2004 • Morgan Stanley Auto Loan Trust 2004-Hb1 • Asset-backed securities • New York