From: sue lassig [suegarylassig@hotmail.com]
Sent: Wednesday, January 28, 2004 7:58 PM
To: rulecomments@sec.gov
Subject: New Confirmation and Point of Sale Disclosure Requirements

Pertaining to: New Confirmation and Point of Sale Disclosure Requirements 

I have bought various B shares of Morgan Stanley Dean Witter mutual 
funds since 1996. After 7 years they were suppose to convert to A shares. 

In 1997 they instigated a new policy that those shares wouldn't convert 
until 10 years from the 1997 new policy date. 

Other issues I have w/MSDW is that when I rolled our IRA's over to them 
the agreement had no exit fees stipulated.  As of 3/1/04 the fee goes 
from a $75 to $90 fee to get out. They started a fee a few years ago and 
it is steadily increasing. I never agreed to a fee at all initially. Then 
at first it was a small fee and it keeps going up and what does one do?\

Sue Lassig

2739 Prospect St. 

La Crosse, WI     54603

(608) 781-4684



Smile God Loves You. Go Packers.


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