0001019056-04-000092 Sample Contracts

Exhibit 99.4
Morgan Stanley Abs Capital I Inc • January 26th, 2004 • Asset-backed securities

This information is being delivered to a specific number of prospective sophisticated investors in order to assist them in determining whether they have an interest in the type of security described herein. It has been prepared solely for information purposes and is not an offer to buy or sell or a solicitation of an offer to buy or sell any security or instrument or to participate in any trading strategy. This material is based on information that Morgan Stanley & Co. Incorporated ("Morgan Stanley") considers reliable. Morgan Stanley makes no representation or warranty with respect to the accuracy or completeness of the information, or with respect to the terms of any future offer of securities conforming to the terms hereof. Any such offer of securities would be made pursuant to a definitive Prospectus or Private Placement Memorandum, as the case may be, prepared by the issuer which could contain material information not contained herein and to which the prospective purchasers are re

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257,990,000 Approximately
Morgan Stanley Abs Capital I Inc • January 26th, 2004 • Asset-backed securities
% % % RePer- % Sub-Per Servicer Total Balance WAC Balance Performing forming forming --------------------- ------------ ------------------- ----------- --------- -------- --------- Bank Of America 91,585,690.00 5.728 34.79 99.65 0.00 0.35...
Morgan Stanley Abs Capital I Inc • January 26th, 2004 • Asset-backed securities

This information is being delivered to a specific number of prospective sophisticated investors in order to assist them in determining whether they have an interest in the type of security described herein. It has been prepared solely for information purposes and is not an offer to buy or sell or a solicitation of an offer to buy or sell any security or instrument or to participate in any trading strategy. This material is based on information that Morgan Stanley & Co. Incorporated ("Morgan Stanley") considers reliable. Morgan Stanley makes no representation or warranty with respect to the accuracy or completeness of the information, or with respect to the terms of any future offer of securities conforming to the terms hereof. Any such offer of securities would be made pursuant to a definitive Prospectus or Private Placement Memorandum, as the case may be, prepared by the issuer which could contain material information not contained herein and to which the prospective purchasers are re

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