i dont know about exp or mf higher but i know u can log into ur acct. twice using d2loader its cool if u wanna transfer items to one of ur other chars. if you have d2loader just go to start bar, choose run and click on browse and browse to ur d2 directory and click on the diablo 2.exe and than in the run box type
"-multiclient" after the directory address. u can get d2loader from mewgood.com