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Services Agreement [Schedule F-J] - Morgan Stanley Dean Witter & Co. and International Business Machines Corp.

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                                   SCHEDULE F

                             Approved Subcontractors


             (a)    { * }

             (b)    { * }

             (c)    { * }


--------------------------------------------------------------------------------
Schedule F to Services Agreement                           MSDW/IBM Confidential
                                        F-1                 Final Execution Copy


<PAGE>

                                   SCHEDULE G

                        Termination/Expiration Assistance



                                                                        
1.   INTRODUCTION ........................................................ G - 1
2.   GENERAL ............................................................. G - 1
3.   PRE-MIGRATION SERVICES .............................................. G - 1
4.   MIGRATION SERVICES .................................................. G - 2
5.   POST-MIGRATION SERVICES ............................................. G - 3







--------------------------------------------------------------------------------
Schedule G to Services Agreement                           MSDW/IBM Confidential
                                           G-i              Final Execution Copy

<PAGE>

1.   INTRODUCTION

     In addition to the obligations set forth in Section 21.4 of the Agreement,
     Termination/Expiration Assistance shall include the assistance and Services
     described in this Schedule G.

2.   GENERAL

     IBM shall provide MSDW or its designee such assistance as is necessary to
     facilitate the orderly transition of the Services to MSDW or its designee.
     The Termination/Expiration Assistance to be provided by IBM to MSDW or its
     designee shall include the following:

          (a)  IBM shall cooperate with MSDW or its designee and shall assist in
               the preparation and implementation of a plan for the migration of
               the Services from IBM to MSDW or to its designee following
               termination (in whole or in part) or expiration, as applicable,
               of the Agreement (such migration the "Migration").

          (b)  IBM shall provide to applicable personnel of MSDW and its
               designee training in the performance of the Services that are to
               be migrated following expiration or termination of the Agreement.

          (c)  IBM shall provide MSDW or its designee with such information
               regarding the Services as is necessary or prudent in order for
               MSDW or its designee to assume responsibility for, and continue
               the performance of, the Services in an orderly manner. Such
               information shall include (i) router table Software, data and
               congifurations, and (ii) identifying a project manager, who will
               distribute a listing of key support contacts (names and telephone
               numbers) of IBM Personnel associated with the
               Termination/Expiration Assistance project.

          (d)  MSDW or its designee shall provide IBM necessary information
               regarding the Migration of, and other relevant information
               pertaining to, the Termination/Expiration Assistance project.
               Such information shall include identifying a project manager, who
               will serve as a focal point for MSDW and its designee with regard
               to the Migration and Termination/Expiration Assistance project.

3.   PRE-MIGRATION SERVICES

     IBM's pre-Migration responsibilities with respect to Termination/Expiration
     Assistance shall include the following:

          (a)  Identifying, recording and providing to MSDW or its designee
               release levels for Systems Software.

          (b)  Reviewing all test and production Software libraries with MSDW's
               or its designee's operations staff.

          (c)  Assisting MSDW or its designee in the analysis of the storage
               space required for Software libraries.


--------------------------------------------------------------------------------
Schedule G to Services Agreement                           MSDW/IBM Confidential
                                       G-1                  Final Execution Copy

<PAGE>

          (d)  Assisting MSDW or its designee in transferring and/or
               establishing naming conventions, including, as requested by MSDW,
               providing documentation regarding the naming conventions used by
               IBM in providing the Services.

          (e)  Unless otherwise requested by MSDW, freezing Systems Software
               changes other than maintenance modifications necessary to address
               processing problems or to implement regulatory changes.

          (f)  As requested by MSDW, providing to MSDW or its designee multiple
               tape copies of MSDW's DASD volumes, including, as applicable,
               files, data sets, programs, and load modules. MSDW shall be
               financially responsible for the tapes on which IBM will copy such
               DASD volumes.

          (g)  Pursuant to Section 4.5(b) of Schedule A, providing asset
               listings for all Equipment used by IBM and primarily used for
               providing the Services.

          (h)  Providing and coordinating assistance to MSDW or its designee in
               notifying relevant vendors of the procedures to be followed
               during the Migration.

          (i)  Providing a listing of all { * }.

          (j)  Providing to MSDW or its designee reasonable access to IBM
               employees performing (or who were performing) the Services (or to
               an IBM representative familiar with the provision of the relevant
               Services).

          (k)  Providing to MSDW or its designee copies of documentation that is
               owned by or licensed to MSDW and used by IBM in performing the
               Services.

          (l)  Reviewing and explaining the Procedures Manual to MSDW's or its
               designee's operations staff.

          (m)  Providing for the orderly hand-off of ongoing projects or, at
               MSDW's option, a reasonable bridge services agreement to complete
               projects after termination (in whole or in part) or expiration of
               the Agreement, as applicable.

          (n)  Providing to MSDW or its designee, at MSDW's request, applicable
               End User profiles from the Help Desk and applicable requested
               problem management records as such profiles and records exist as
               of the effective date of the termination or expiration.

4.   MIGRATION SERVICES

     IBM's Migration responsibilities with respect to Termination/Expiration
     Assistance shall include the following:

          (a)  In conjunction with MSDW, conducting rehearsal(s) of the
               Migration prior to cutover at a mutually agreeable time.

          (b)  Unloading all requested MSDW Data and other MSDW Confidential
               Information from the systems used to provide the Services;
               returning to MSDW

--------------------------------------------------------------------------------
Schedule G to Services Agreement                           MSDW/IBM Confidential
                                       G-2                  Final Execution Copy

<PAGE>

               or providing to its designee all MSDW Data and other MSDW
               Confidential Information.

          (c)  Transferring responsibility to MSDW or its designee for off-site
               tape and document storage.

          (d)  Delivering tapes or other media containing MSDW-requested data
               files (with content listing) and printouts of control file
               information to MSDW or its designee.

          (e)  Providing reasonable assistance to MSDW or its designee, as
               appropriate, in loading the data files.

          (f)  Providing reasonable assistance to MSDW or its designee with the
               turnover of operational responsibility, including providing
               reasonable assistance and cooperation in the execution of
               parallel operation testing.

          (g)  Providing all Source Code, object code and related documentation
               in IBM's possession that relates to MSDW Software and, subject to
               MSDW's and IBM's rights and obligations with respect to Software
               as defined in the Agreement, providing any other Software that is
               licensed to MSDW under the Agreement or that MSDW is otherwise
               authorized to use.

5.   POST-MIGRATION SERVICES

     After the Migration, IBM shall provide additional assistance { * }.



--------------------------------------------------------------------------------
Schedule G to Services Agreement                           MSDW/IBM Confidential
                                       G-3                  Final Execution Copy

<PAGE>

                                   SCHEDULE H

                        SSAs and Certain Other Documents



---------------------------------------------------------------------------------------------------------------------------
         SSA#                                  Description                            Additonal               SSA
                                                                                     Information            Status
                                                                                   (See Footnotes
                                                                                       Below)
---------------------------------------------------------------------------------------------------------------------------
                                                                                                  
         DWD2            MSDW Payroll Check Bundling                                                       Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD2            MSDW Payroll Check Bundling                                 Footnote 4            Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWD3            Inter-Metropolitan/Slow Speed SNA Services                                        Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD4            { * } Workstation Adds, Moves and Changes                                         Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD5            IBM Mail Exchange                                                                 Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD5            IBM Mail Exchange                                           Footnote 4            Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWD6            MSDW Postage Payments                                                             Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD6            MSDW Postage Payments                                       Footnote 4            Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWD9            Dial-IP Services                                            Footnote 2            Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD10           MICR / Insertion / Presort Processing                                             Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD10           MICR / Insertion / Presort Processing                       Footnote 4            Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWD11           9371 Remote Print Configuration                                                   Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD13           { * } Software Support                                                            Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD13           { * } Software Support                                      Footnote 4            Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWD15           Workstation Billing for IBM Equipment                                             Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD16           Commercial Network Services (NS) Traffic                                          Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD19           STEDI Pricing                                                                     Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD19           STEDI Pricing                                               Footnote 4            Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWD20           { * } Product Support                                                             Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD23           { * } Product Support                                                             Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD27           { * } Services                                                                    Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD29           Corporate Web Site (NT Model 704 Platform)                                        Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD31           Video Conferencing Service                                                        Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD32           { * } Firewall Service                                                            Executed
---------------------------------------------------------------------------------------------------------------------------
         DWD33           { * } Corporate Dial Service                                Footnotes 2           Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR1            { * }                                                                             Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR 1           { * }                                                       Footnote 4            Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR2            Connect Direct                                                                    Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR2            Connect Direct                                              Footnote 4            Executed
      Amendment 2
---------------------------------------------------------------------------------------------------------------------------
         DWR3            ICS Statement Insertion Processing                                                Executed
---------------------------------------------------------------------------------------------------------------------------


Schedule H to Services Agreement       H-1                 MSDW/IBM Confidential
                                                        Final Updated 08/29/2000

<PAGE>



---------------------------------------------------------------------------------------------------------------------------
         SSA#                                  Description                            Additonal               SSA
                                                                                     Information            Status
                                                                                   (See Footnotes
                                                                                       Below)
---------------------------------------------------------------------------------------------------------------------------
                                                                                                  
         DWR3            ICS Statement Insertion Processing                           Footnote 4           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR3            ICS Statement Insertion Processing                           Footnote 4           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR5            NASDAQ Feed                                                                       Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR5            NASDAQ Feed                                                  Footnote 4           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR7            TCAM Dedicated DASD                                                               Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR7            TCAM Dedicated DASD                                          Footnote 1
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR9            Non Class 1 DASD in Columbus                                                      Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR10           { * }                                                                             Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR12           CPU to CPU Batch                                                                  Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR12           CPU to CPU Batch                                             Footnote 1
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR13           TPS Dedicated DASD                                                                Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR13           TPS Dedicated DASD                                           Footnote 1
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR14           Dean Witter Trust                                                                 Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR15           { * }                                                                             Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR19           { * } Facility                                                                    Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR20           Subarea 9 TIC                                                                     Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR20           Subarea 9 TIC                                                Footnote 4           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR21           Corporate Internet Dial                                      Footnote 2           Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR21           Corporate Internet Dial                                      Footnote 3           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR22           MVS Download                                                                      Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR23           TRLAN                                                                             Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR23           TRLAN                                                        Footnote 4           Executed
---------------------------------------------------------------------------------------------------------------------------
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR24           Insertion Processing                                                              Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR26           CD Rom                                                       Footnote 3           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR27           Investment Consulting Service Mutual Fund Wrap Client                             Executed
                         Statements
---------------------------------------------------------------------------------------------------------------------------
         DWR28           Portfolio Architecture Client Statements                                          Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR29           { * } Recovery Center data Communications Service                                 Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR30           Service to install a new subarea, B47                                             Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR30           Service to install a new subarea, B47                        Footnote 1
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR31           MDNS for the DWR Branch Office Network                                            Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR32           Hand Insertion Processing                                                         Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR33           MDNS { * }                                                                        Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR34           { * } to IBM                                                                      Executed
---------------------------------------------------------------------------------------------------------------------------


Schedule H to Services Agreement       H-2                 MSDW/IBM Confidential
                                                        Final Updated 08/29/2000

<PAGE>



---------------------------------------------------------------------------------------------------------------------------
         SSA#                                  Description                            Additonal               SSA
                                                                                     Information            Status
                                                                                   (See Footnotes
                                                                                       Below)
---------------------------------------------------------------------------------------------------------------------------
                                                                                                  
                         MDNS Network in Support of DWR
---------------------------------------------------------------------------------------------------------------------------
         DWR35           CICS Test Region Service                                                          Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR36           MVS Isolated Test Logical Partition Service                                       Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR37           Exchange Communications Service                                                   Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR38           { * } Install CD-ROM Replications                                                 Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR43           { * } Software Support Services                                                   Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR44           { * } Data Center Upgrade                                                         Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR45           401K Web Hosting Services                                                         Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR45           401K Web Hosting Services                                    Footnote 3           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR45           401K Web Hosting with ILX                                    Footnote 3           Executed
      Amendment 2
---------------------------------------------------------------------------------------------------------------------------
         DWR46           NT Web Design                                                                     Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR47           IBM Global Services { * } Software                                                Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR47           IBM Global Services { * } Software                           Footnote 3           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR47           IBM Global Services { * } Software                           Footnote 3           Executed
      Amendment 2
---------------------------------------------------------------------------------------------------------------------------
         DWR51           Output Statements Processing Enhancements Service                                 Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR51           Output Statements Processing Enhancements Service            Footnote 3           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR52           { * } Data Center Move Service                                                    Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR53           NT Web Hosting Service for DeanWitter.com                                         Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR54           { * } Software Enhancements                                                       Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR55           { * } Software Support Service                                                    Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR56           { * } Software Installation Support                                               Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR57           Dial Backup Gateway Service                                                       Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR58           Interconnect Gateway and Firewall Service                                         Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR58           Interconnect Gateway & Firewall                              Footnote 3           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         DWR59           { * } Internet / Intranet Access Services                                         Executed
---------------------------------------------------------------------------------------------------------------------------
         DWR60           Print Contingency Service                                    Footnote 3           Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV1            Host Content Server                                                               Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV1            Host Content Server                                          Footnote 4           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         NOV2            Backup Service for Riverwoods Print Resource Libraries                            Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV3            { * } Software by { * }                                                           Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV4            E-mail Backup Tape Degaussing                                                     Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV4            E-mail Backup Tape Degaussing                                Footnote 4           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         NOV7            Optical Library Storage Service                                                   Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV7            Optical Library Storage Service                              Footnote 4           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         NOV7            Optical Library Storage Service                              Footnote 4           Executed
      Amendment 2
---------------------------------------------------------------------------------------------------------------------------


Schedule H to Services Agreement       H-3                 MSDW/IBM Confidential
                                                        Final Updated 08/29/2000

<PAGE>



---------------------------------------------------------------------------------------------------------------------------
         SSA#                                  Description                            Additonal               SSA
                                                                                     Information            Status
                                                                                   (See Footnotes
                                                                                       Below)
---------------------------------------------------------------------------------------------------------------------------
                                                                                                  
         NOV8            CICS QA Regions                                                                   Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV8            CICS QA Regions                                              Footnote 4           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         NOV9            Sequent Support Services                                                          Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV9            Sequent Support Services                                     Footnote 3           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         NOV11           Expedited Tape Shipments                                                          Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV11           Expedited Tape Shipments                                     Footnote 4           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         NOV14           Backup Content Hosting Services                                                   Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV14           Backup Content Hosting Services                              Footnote 4           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         NOV16           Remote Network Print Host Services at DFS Utah Print                              Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV18           Long Distance Service for { * }                                                   Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV19           Services Management System                                                        Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV21           Fast Ethernet Infrastructure Solution                                             Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV22           Frame Relay Network                                                               Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV22           Frame Relay Network                                          Footnote 3           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         NOV22           Frame Relay Network                                          Footnote 3           Executed
      Amendment 2
---------------------------------------------------------------------------------------------------------------------------
         NOV22           Frame Relay Network                                          Footnote 3           Executed
      Amendment 4
---------------------------------------------------------------------------------------------------------------------------
         NOV22           Frame Relay Network                                          Footnote 3           Executed
      Amendment 5
---------------------------------------------------------------------------------------------------------------------------
         NOV22           Frame Relay Network                                          Footnote 3           Executed
      Amendment 6
---------------------------------------------------------------------------------------------------------------------------
         NOV23           Enterprise Security Manager and Internet Safe Suite                               Executed
                         Implementation
---------------------------------------------------------------------------------------------------------------------------
         NOV24           IP Enhanced Merchant Interface Gateway Services                                   Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV27           LAN based Mail Gateway Service                                                    Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV29           { * } RISC System 6000                                                            Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV32           IBM Workgroup Service                                        Footnote 2           Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV37           Year 2000 Enterprise Test Logical Partition (LPAR)                                Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV37           Year 2000 Enterprise Test Logical Partition (LPAR)           Footnote 4           Executed
      Amendment 1
---------------------------------------------------------------------------------------------------------------------------
         NOV38           Application Systems (AS) Installation Services                                    Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV39           CD/ROM Services                                                                   Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV40           { * }                                                        Footnote 2           Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV42           Year 2000 Merchant Test Logical Partition (LPAR)                                  Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV43           { * } Alternative Host Platform Services                                          Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV44           { * } Application Enablement                                                      Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV45           { * }                                                                             Executed
---------------------------------------------------------------------------------------------------------------------------
         NOV46           Enterprise Information Management Platform Service in        Footnote 1
                         the IBM Columbus Data Center
---------------------------------------------------------------------------------------------------------------------------
         NOV49           { * } Software Installation                                                       Executed
---------------------------------------------------------------------------------------------------------------------------


Schedule H to Services Agreement       H-4                 MSDW/IBM Confidential
                                                        Final Updated 08/29/2000

<PAGE>



---------------------------------------------------------------------------------------------------------------------------
         SSA#                                  Description                            Additonal               SSA
                                                                                     Information            Status
                                                                                   (See Footnotes
                                                                                       Below)
---------------------------------------------------------------------------------------------------------------------------
                                                                                                  
         NOV50           { * } Backup Storage Service                                                      Executed
---------------------------------------------------------------------------------------------------------------------------


Schedule H to Services Agreement       H-5                 MSDW/IBM Confidential
                                                        Final Updated 08/29/2000

<PAGE>

/1/ As of the Effective Date, IBM is providing Services under these SSAs,
however the Parties have not yet agreed upon all of the terms applicable to
these SSAs. The Parties will work in good faith to agree upon such terms by
August 31, 2000.

/2/ For the purposes of Section 7.6 of Schedule C, payments by MSDW under these
SSAs shall be deemed payments for New Services and shall contribute to the
satisfaction of MSDW's obligations set forth in Section 7.6 of Schedule C.

/3/ Additional SSAs and Amendments may be executed after the Effective Date of
the Agreement. For the purposes of Section 7.6 of Schedule C, payments by MSDW
under these SSAs and Amendments shall be deemed payments for New Services and
shall contribute to the satisfaction of MSDW's obligations set forth in Section
7.6 of Schedule C.

/4/ Additional SSA Amendments will be executed for existing SSAs after the
Effective Date of the Agreement, these Amendments extend the term of the current
SSA only and/or change pricing for the services provided under the SSA and shall
not be considered for payments of New Services under Section 7.6 of Schedule C.

Schedule H to Services Agreement       H-6                 MSDW/IBM Confidential
                                                        Final Updated 08/29/2000

<PAGE>

                                   SCHEDULE I

                           New Services Amendment Form

Attached to this Schedule I and incorporated by reference herein is the form to
be utilized, pursuant to Section 12.4(b)(ii) of the Agreement, for any New
Services Amendment.

--------------------------------------------------------------------------------
Schedule I to Services Agreement                           MSDW/IBM Confidential
                                                            Final Execution Copy

                                       I-1

<PAGE>

                                                              ----------------
                                                  NSA Number:
                                                              ----------------

                             NEW SERVICES AMENDMENT

This New Services Amendment, number _________________, (NSA) is entered into
initially between Dean Witter Reynolds, a Delaware corporation with a place of
business located at Two World Trade Center, New York, New York 10048 ("DWR") or
Discover Financial Services, Inc., a Delaware corporation with a place of
business located at 2500 Lake Cook Road, Riverwoods, Illinois 60015 ("DFS"), and
International Business Machines Corporation, a New York corporation with its
principal place of business located at New Orchard Road, Armonk, New York 10504
("IBM") as of ____________________ (the "Initial NSA Date"). For the purposes of
this NSA, DWR/DFS agrees to adopt the terms of that certain Services Agreement,
dated July 1, 1999, between MSDW and IBM (the "Agreement"), subject to the
changes described herein. Capitalized terms not defined in this New Services
Amendment shall have the meanings given them in the Agreement. Except as
expressly provided in this New Services Amendment, the terms and conditions of
the Agreement shall remain in full force and effect. Although DWR/DFS and IBM
will be bound to this NSA as of the Initial NSA Date, Morgan Stanley Dean Witter
& Co., a Delaware corporation with a place of business located at 2500 Lake Cook
Road, Riverwoods, Illinois 60015 ("MSDW") will not be bound to this NSA unless
and until MSDW executes this NSA on its own behalf. Upon such execution, this
NSA shall be entered into between MSDW and IBM. When MSDW is presented with this
NSA, MSDW agrees to review it promptly and inform IBM whether it is acceptable
to MSDW. If MSDW does not execute this NSA within { * } following its delivery,
the parties may agree to extend the review period beyond { * }. In the event
MSDW does not execute this NSA within { * } following its delivery or before the
expiration of a documented extension date, then this NSA will be deemed rejected
by MSDW as of the date such execution was due ("Rejection Date"). After the
Rejection Date, either Party may elect to terminate this NSA by providing the
other Party with at least { * } advance written notice. DWR/DFS agrees to pay
IBM for Services rendered pursuant to this NSA through the termination date.
Additionally, DWR/DFS will pay Termination Charges if any, as set forth in
Exhibit 2 to this NSA. If written notice of termination is not sent by either
Party within { * } following the Rejection Date, then IBM and DWR/DFS will each
be bound to this NSA for its term.

1.   TERM

This New Services Amendment shall be effective as of the Initial NSA Date
specified above and shall continue until the earlier of (a) __________, (b) the
date that each Party's obligations under this New Services Amendment have been
fully performed in accordance with this New Services Amendment and the
Agreement, (c) termination by MSDW for any reason and without cause upon { * }
prior written notice to IBM subject to the termination for convenience charges,
if any, specified in Exhibit 2 of this New Services Amendment, or (d)
termination by either Party upon { * } prior written notice to the other Party
following the Rejection Date.

2.   SCOPE OF NEW SERVICES

In addition to the Services described elsewhere in the Agreement, IBM shall
perform the additional services, functions and responsibilities described in
Exhibit 1 of this New Services Amendment (which is hereby incorporated into this
New Services Amendment by this reference). Such services, functions and
responsibilities shall be deemed "Services" under the Agreement.

3.   CHARGES

In the event that Section 12.4(a) of the Agreement applies to the services,
functions and responsibilities set forth in Exhibit 1 of this New Services
Amendment, then the adjustment to the charges under the Agreement for such
services, functions and responsibilities shall be determined pursuant to
Subsections 12.4(a) and (e) of the Agreement. In the event that Section 12.4(b)
of the Agreement applies to the services, functions and responsibilities set
forth in Exhibit 1 of this New Services Amendment, then the adjustment to the
charges under the Agreement for such services, functions and responsibilities
shall be as described in Exhibit 2 of this New Services

--------------------------------------------------------------------------------
New Services Amendment to                                  MSDW/IBM Confidential
Services Agreement

                                       1

<PAGE>

                                                                    -----------
                                                        NSA Number:
                                                                    -----------

Amendment (which is hereby incorporated into this New Services Amendment by this
reference), subject to Subsections 12.4(b) and (e) of the Agreement.

--------------------------------------------------------------------------------
New Services Amendment to                                  MSDW/IBM Confidential
Services Agreement

                                        2

<PAGE>

                                                                    -----------
                                                        NSA Number:
                                                                    -----------

4.   EXECUTION AND SIGNATURE BY MSDW BUSINESS UNIT REPRESENTATIVES

Although not required, this New Services Amendment may be signed by one or more
representatives of MSDW Business Units, however notwithstanding any signature by
such representatives, this New Services Amendment shall be neither valid nor
binding upon MSDW unless executed by the MSDW Contract Executive. The Parties
agree that signature by DWR/DFS shall bind DWR/DFS to the obligations of this
New Services Amendment and to the Agreement for an interim period until the
signature of the MSDW Contract Executive is provided, and shall subject DWR/DFS
to liability under the Agreement during such interim period.

MORGAN STANLEY DEAN WITTER & CO.               INTERNATIONAL BUSINESS MACHINES
                                               CORPORATION

By:__________________________                  By:__________________________

Printed:_____________________                  Printed:_____________________

Title:_______________________                  Title:_______________________

Date:________________________                  Date:________________________


Dean Witter Reynolds or Discover Financial Services, Inc.

By:__________________________

Printed:_____________________

Title:_______________________

Date:________________________


MSDW BUSINESS UNIT

By:__________________________

Printed:_____________________

Title:_______________________

Date:________________________

--------------------------------------------------------------------------------
New Services Amendment to                                  MSDW/IBM Confidential
Services Agreement

                                        3

<PAGE>

                                                                 ------------
                                                     NSA Number:
                                                                 ------------

                                    EXHIBIT 1

[Describe here the new services, functions and responsibilities of IBM and MSDW,
 and any unique terms and conditions applicable to such services, functions and
                               responsibilities.]

--------------------------------------------------------------------------------
Exhibit 1 to New Services Amendment to                     MSDW/IBM Confidential
Services Agreement


<PAGE>

                                                                   ------------
                                                       NSA Number:
                                                                   ------------

                                    EXHIBIT 2

[Describe adjustment to charges here, if this Exhibit 2 is applicable pursuant
                  to article 3 of the New Services Amendment.]

--------------------------------------------------------------------------------
Exhibit 2 to New Services Amendment to                     MSDW/IBM Confidential
Services Agreement

<PAGE>

                                   SCHEDULE J


                                   Equipment

1.      IPSS SERVICES EQUIPMENT

--------------------------------------------------------------------------------
             MSDW Equipment at IBM Facilities (Midrange Equipment)
--------------------------------------------------------------------------------
 Item      Type and       Model Number    Serial Number    Network   Additional
Number    Description                                      Address   Information
--------------------------------------------------------------------------------
  1       { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  2       { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  3       { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  4       { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  5       { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  6       { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  7       { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  8       { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  9       { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  10      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  11      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  12      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  13      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  14      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  15      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  16      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  17      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  18      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  19      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  20      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  21      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  22      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  23      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------
  24      { * }           { * }           { * }            { * }     SEQUENT
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
Schedule J to Services Agreement                           MSDW/IBM Confidential
                                      J-1                   Final Execution Copy

<PAGE>



------------------------------------------------------------------------------------------------------
                     IBM Equipment at MSDW Facilities (Mainframe Equipment)
------------------------------------------------------------------------------------------------------
   Item     Type and Description    Model Number     Serial Number    Location       Additional
  Number                                                                             Information
------------------------------------------------------------------------------------------------------
                                                                      
    1.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
    2.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
    3.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
    4.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
    5.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
    6.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
    7.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
    8.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
    9.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   10.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   11.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   12.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   13.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   14.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   15.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   16.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   17.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   18.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   19.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   20.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   21.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   22.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   23.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   24.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   25.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   26.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   27.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   28.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   29.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   30.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   31.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   32.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   33.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   34.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   35.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   36.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   37.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------
   38.      { * }                   { * }            { * }            { * }
------------------------------------------------------------------------------------------------------


--------------------------------------------------------------------------------
Schedule J to Services Agreement                           MSDW/IBM Confidential
                                          J-2               Final Execution Copy

<PAGE>



--------------------------------------------------------------------------------------------------------------
                          IBM Equipment at MSDW Facilities (Mainframe Equipment)
--------------------------------------------------------------------------------------------------------------
  Item                                                                                            Additional
 Number      Type and Description      Model Number        Serial Number         Location        Information
--------------------------------------------------------------------------------------------------------------
                                                                                  
   39.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   40.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   41.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   42.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   43.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   44.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   45.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   46.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   47.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   48.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   49.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   50.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   51.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   52.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   53.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   54.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   55.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   56.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   57.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------
   58.      { * }                     { * }               { * }               { * }
--------------------------------------------------------------------------------------------------------------





--------------------------------------------------------------------------------------------------------------
                          IBM Equipment at IBM Facilities (Mainframe Equipment)
--------------------------------------------------------------------------------------------------------------
  Item                                                                                            Additional
 Number      Type and Description      Model Number        Serial Number         Location        Information
--------------------------------------------------------------------------------------------------------------
                                                                                  
1.          { * }                     { * }               { * }               { * }              { * }
--------------------------------------------------------------------------------------------------------------
2.          { * }                     { * }               { * }               { * }              { * }
--------------------------------------------------------------------------------------------------------------
3.          { * }                     { * }               { * }               { * }              { * }
--------------------------------------------------------------------------------------------------------------
4.          { * }                     { * }               { * }               { * }              { * }
--------------------------------------------------------------------------------------------------------------
5.          { * }                     { * }               { * }               { * }              { * }
--------------------------------------------------------------------------------------------------------------
6.          { * }                     { * }               { * }               { * }              { * }
--------------------------------------------------------------------------------------------------------------
7.          { * }                     { * }               { * }               { * }              { * }
--------------------------------------------------------------------------------------------------------------
8.          { * }                     { * }               { * }               { * }              { * }
--------------------------------------------------------------------------------------------------------------
9.          { * }                     { * }               { * }               { * }              DWR7/2/
--------------------------------------------------------------------------------------------------------------
10.         { * }                     { * }               { * }               { * }              DWR7/2/
--------------------------------------------------------------------------------------------------------------
11.         { * }                     { * }               { * }               { * }              DWR7/2/
--------------------------------------------------------------------------------------------------------------
12.         { * }                     { * }               { * }               { * }              DWR7/2/
--------------------------------------------------------------------------------------------------------------
13.         { * }                     { * }               { * }               { * }              DWR7/2/
--------------------------------------------------------------------------------------------------------------
14.         { * }                     { * }               { * }               { * }              DWR7/2/
--------------------------------------------------------------------------------------------------------------
15.         { * }                     { * }               { * }               { * }              DWR13
--------------------------------------------------------------------------------------------------------------


--------------------------------------------------------------------------------
Schedule J to Services Agreement                           MSDW/IBM Confidential
                                       J-3                  Final Execution Copy

<PAGE>



--------------------------------------------------------------------------------------------------------------
                           IBM Equipment at IBM Facilities (Mainframe Equipment)
--------------------------------------------------------------------------------------------------------------
  Item                                                                                            Additional
 Number      Type and Description      Model Number        Serial Number         Location        Information
--------------------------------------------------------------------------------------------------------------
                                                                                  
16.         { * }                    { * }               { * }               { * }                DWR13/2/
--------------------------------------------------------------------------------------------------------------
17.         { * }                    { * }               { * }               { * }                DWR13/2/
--------------------------------------------------------------------------------------------------------------
18.         { * }                    { * }               { * }               { * }                DWR13/2/
--------------------------------------------------------------------------------------------------------------
19.         { * }                    { * }               { * }               { * }                DWR13/2/
--------------------------------------------------------------------------------------------------------------
20.         { * }                    { * }               { * }               { * }                NOV7/2/
--------------------------------------------------------------------------------------------------------------
21.         { * }                    { * }               { * }               { * }                NOV7/2/
--------------------------------------------------------------------------------------------------------------
22.         { * }                    { * }               { * }               { * }                NOV7/2/
--------------------------------------------------------------------------------------------------------------
23.         { * }                    { * }               { * }               { * }                NOV7/2/
--------------------------------------------------------------------------------------------------------------
24.         { * }                    { * }               { * }               { * }                NOV7/2/
--------------------------------------------------------------------------------------------------------------
25.         { * }                    { * }               { * }               { * }                NOV7/2/
--------------------------------------------------------------------------------------------------------------
26.         { * }                    { * }               { * }               { * }                NOV7/2/
--------------------------------------------------------------------------------------------------------------
27.         { * }                    { * }               { * }               { * }                NOV7/2/
--------------------------------------------------------------------------------------------------------------
28.         { * }                    { * }               { * }               { * }                NOV7/2/
--------------------------------------------------------------------------------------------------------------
29.         { * }                    { * }               { * }               { * }                NOV7/2/
--------------------------------------------------------------------------------------------------------------
30.         { * }                    { * }               { * }               { * }                DWR51/2/
--------------------------------------------------------------------------------------------------------------
31.         { * }                    { * }               { * }               { * }                DWR51/2/
--------------------------------------------------------------------------------------------------------------
32.         { * }                    { * }               { * }               { * }                DWR51/2/
--------------------------------------------------------------------------------------------------------------
33.         { * }                    { * }               { * }               { * }                DWR51/2/
--------------------------------------------------------------------------------------------------------------
34.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
35.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
36.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
37.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
38.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
39.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
40.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
41.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
42.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
43.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
44.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
45.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
46.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
47.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
48.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
49.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
50.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
51.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
52.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
53.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------
54.         { * }                    { * }                                   { * }                Shared
--------------------------------------------------------------------------------------------------------------


--------------------------------------------------------------------------------
Schedule J to Services Agreement                           MSDW/IBM Confidential
                                        J-4                 Final Execution Copy

<PAGE>



---------------------------------------------------------------------------------------------------------------------
                                IBM Equipment at IBM Facilities (MainFrame Equipment)
---------------------------------------------------------------------------------------------------------------------
  Item         Type and Description     Model Number      Serial Number         Location             Additional
 Number                                                                                              Information
---------------------------------------------------------------------------------------------------------------------
                                                                                     
55.           { * }                    { * }                                   { * }                Shared
---------------------------------------------------------------------------------------------------------------------
56.           { * }                    { * }                                   { * }                Shared
---------------------------------------------------------------------------------------------------------------------
57.           { * }                    { * }                                   { * }                Shared
---------------------------------------------------------------------------------------------------------------------
58.           { * }                    { * }                                   { * }                Shared
---------------------------------------------------------------------------------------------------------------------
59.           { * }                    { * }                                   { * }                Shared
---------------------------------------------------------------------------------------------------------------------
60.           { * }                    { * }                                   { * }                Shared
---------------------------------------------------------------------------------------------------------------------
61.           { * }                    { * }                                   { * }                Shared
---------------------------------------------------------------------------------------------------------------------
62.           { * }                    { * }                                   { * }                Shared
---------------------------------------------------------------------------------------------------------------------
63.           { * }                    { * }                                   { * }                Shared
---------------------------------------------------------------------------------------------------------------------
64.           { * }                    { * }                                   { * }                Shared
---------------------------------------------------------------------------------------------------------------------
65.           { * }                    { * }                                   { * }                Shared
---------------------------------------------------------------------------------------------------------------------
66.           { * }                    { * }                                   { * }                Shared
---------------------------------------------------------------------------------------------------------------------
67.           { * }                    { * }                                   { * }                Shared
---------------------------------------------------------------------------------------------------------------------
/1/ Corresponding host number.
/2/ Corresponding SSA number.
---------------------------------------------------------------------------------------------------------------------




---------------------------------------------------------------------------------------------------------------------
                                IBM Equipment at IBM Facilities (Midrange Equipment)
---------------------------------------------------------------------------------------------------------------------
  Item         Type and Description     Model Number        Serial Number       Location             Additional
 Number                                                                                              Information
---------------------------------------------------------------------------------------------------------------------
                                                                                     
---------------------------------------------------------------------------------------------------------------------
1.            { * }                    { * }               { * }               { * }                DWD11/2/
---------------------------------------------------------------------------------------------------------------------
2.            { * }                    { * }               { * }               { * }                DWD11/2/
---------------------------------------------------------------------------------------------------------------------
3.            { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
4.            { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
5.            { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
6.            { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
7.            { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
8.            { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
9.            { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
10.           { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
11.           { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
12.           { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
13.           { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
14.           { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
15.           { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
16.           { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
17.           { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
18.           { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
19.           { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
20.           { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------


--------------------------------------------------------------------------------
Schedule J to Services Agreement                           MSDW/IBM Confidential
                                     J-5                    Final Execution Copy

<PAGE>



---------------------------------------------------------------------------------------------------------------------
                                 IBM Equipment at IBM Facilities (Midrange Equipment)
---------------------------------------------------------------------------------------------------------------------
  Item         Type and Description     Model Number        Serial Number       Location             Additional
 Number                                                                                              Information
---------------------------------------------------------------------------------------------------------------------
                                                                                     
21.           { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
22.           { * }                    { * }               { * }               { * }                DWD26/2/
---------------------------------------------------------------------------------------------------------------------
23.           { * }                    { * }               { * }               { * }                NOV29/2/
---------------------------------------------------------------------------------------------------------------------
24.           { * }                    { * }               { * }               { * }                NOV29/2/
---------------------------------------------------------------------------------------------------------------------
25.           { * }                    { * }               { * }               { * }                NOV29/2/
---------------------------------------------------------------------------------------------------------------------
26.           { * }                    { * }               { * }               { * }                NOV29/2/
---------------------------------------------------------------------------------------------------------------------
27.           { * }                    { * }               { * }               { * }                NOV43/2/
---------------------------------------------------------------------------------------------------------------------
/1/ Corresponding host number.
/2/ Corresponding SSA number.
---------------------------------------------------------------------------------------------------------------------


--------------------------------------------------------------------------------
Schedule J to Services Agreement                           MSDW/IBM Confidential
                                      J-6                   Final Execution Copy

<PAGE>

2.       DATA NETWORK SERVICES EQUIPMENT



---------------------------------------------------------------------------------------------------------------------
                                           MSDW Equipment at IBM Facilities
---------------------------------------------------------------------------------------------------------------------
   Item        Type and Description     Model Number        Serial Number       Location             Additional
  Number                                                                                             Information
---------------------------------------------------------------------------------------------------------------------
                                                                                     
1.            { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
2.            { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
3.            { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
4.            { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
5.            { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
6.            { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
7.            { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
8.            { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
9.            { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
10.           { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
11.           { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
12.           { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
13.           { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
14.           { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
15.           { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
16.           { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
17.           { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
18.           { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------
19.           { * }                    { * }               { * }               { * }                { * }
---------------------------------------------------------------------------------------------------------------------




---------------------------------------------------------------------------------------------------------------------
                                                     IBM Equipment
---------------------------------------------------------------------------------------------------------------------
  Item         Type and Description     Model Number        NCP Number          Location             Shared or
 Number                                                                                              Dedicated
---------------------------------------------------------------------------------------------------------------------
                                                                                     
1.            { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
2.            { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
3.            { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
4.            { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
5.            { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
6.            { * }                    { * }               { * }               { * }                Shared
---------------------------------------------------------------------------------------------------------------------
7.            { * }                    { * }               { * }               { * }                Shared
---------------------------------------------------------------------------------------------------------------------
8.            { * }                    { * }               { * }               { * }                Shared
---------------------------------------------------------------------------------------------------------------------
9.            { * }                    { * }               { * }               { * }                Shared
---------------------------------------------------------------------------------------------------------------------
10.           { * }                    { * }               { * }               { * }                Shared
---------------------------------------------------------------------------------------------------------------------
11.           { * }                    { * }               { * }               { * }                Shared
---------------------------------------------------------------------------------------------------------------------
12.           { * }                    { * }               { * }               { * }                Shared
---------------------------------------------------------------------------------------------------------------------
13.           { * }                    { * }               { * }               { * }                Shared
---------------------------------------------------------------------------------------------------------------------
14.           { * }                    { * }               { * }               { * }                Shared
---------------------------------------------------------------------------------------------------------------------


--------------------------------------------------------------------------------
Schedule J to Services Agreement                           MSDW/IBM Confidential
                                      J-7                   Final Execution Copy

<PAGE>



---------------------------------------------------------------------------------------------------------------------
                                                    IBM Equipment
---------------------------------------------------------------------------------------------------------------------
  Item         Type and Description     Model Number        NCP Number          Location             Shared or
 Number                                                                                              Dedicated
---------------------------------------------------------------------------------------------------------------------
                                                                                     
15.           { * }                    { * }               { * }               { * }                Shared
---------------------------------------------------------------------------------------------------------------------
16.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
17.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
18.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
19.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
20.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
21.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
22.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
23.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
24.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
25.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
26.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
27.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
28.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
29.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
30.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
31.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
32.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
33.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
34.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
35.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
36.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------
37.           { * }                    { * }               { * }               { * }                Dedicated
---------------------------------------------------------------------------------------------------------------------


         Additional Equipment used as of the Effective Date to provide Data
         Network Services for Dean Witter Reynolds is set forth in Attachment
         J-1 of this Schedule J. Additional Equipment used as of the Effective
         Date to provide Data Network Services for Discover and Novus Financial
         is set forth in Attachment J-2 of this Schedule J.

--------------------------------------------------------------------------------
Schedule J to Services Agreement                           MSDW/IBM Confidential
                                      J-8                   Final Execution Copy