Thanks Mr. Pope, Got it working 100% as I want it!!! ... It took me awhile to realize that the Frame & UserForm height can be different in Design Mode versus the RunTime mode (Code driven). In Design Mode, the height is set big enough so to SEE all of the Label text. BUT, in RunTime mode, the Frame height must be LESS than the Label height for the ScrollBars to actually do their thing. Setting this shortened Frame height in the Initialize Code achieves this visual goal. Actually, in the end, the Frame height is set in the Initialize Code so to conform to its desired window size visible on the screen.
After some struggle on this, I triple re-read your post and the light bulb clicked!
Similarly, the Initialize Code can also set the height of the UserForm so that it also visually fits nicely on the screen, while in Design Mode the height of the UserForm can be as required, i.e. big enough so to allow seeing all of the Label text.
Thanks, again, for your time, muchas gracias!!!
Final code ended up as ...
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