Epstein Secrets

Weerter 30. 2001 01030;111:34 001 V530 EFTA01321929 cisAno nwoucw TROLLY 0•04110 SAISIYARY rn 8 tra IJ z ii C in z r SZPZSEOCIND- ANGS BEAR STEARNS OffICE SERVICING YOUR ACCOUNT Bear. Steams & Co. Inc. 363 Madison Avenue Now York. New York 10179 (212) 272-2000 ACCOUNT EXECUTIVE ZICHERMANAR

STAITIANT 5.1.640.750 $A521270 040.28867 1172 On Ft Ara 27.2001 Important Message In an erten to deliver statements to you Mere efficiently. Bear Steams N S enhanced the donfoution of statements to household accounts. Beginning in rune all statements with the same Address and Social Society num

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cause a decline in the market value of your portfolio. which wi impact your principal if securities are sold prior to maturity. Please consult your Bear Steams account executive if you would like to discuss your fixed income portfolio. As a leader in Fixed Income. Bear Stearns can analyze any portfolio. h

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Statements CONFIDENTIAL SDNYG,00355611 EFTA ,228303 EFTA01324366 0 -n C in r ZT9SSEOCIND- ANGS IS b.) 00 BEAR STEARNS WIC( SERVICING ICOR ACCOUNT Bear. Steams & Co. Inc. 383 Matson Avenue New York. New Nock 10179 (212) 272-2000 ACCOUNT DEMME DCHERMAN.PA !TURB

ar Stearns Margin Basis Rate MI include the short-term market interest rates quoted by money center banks and the Federal Reserve and the rate that Bear Steams Is charged for borrowing money. The Bear Steams Securities Fed Funds Rate is the rate for U.S. dollar funds, as quoted by an independent broker of

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