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the BSSC Base Lending Rate, the BSSC Fed Funds Rate or the London Interbank Offering Rate (*LIBOR"). The BSSC Base Lending Rate will be quoted by Bear Steams at our main office in New York. Factors affecting the determination of the BSSC Base Lending Rate will include the short-term market interest rates

Statements EFTA00197279 CLEARANCE AGENT TO FBR FRIEDMAN, 1311.1.INGS, RAMSEY a CO.. INC. OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street North Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Fax (703) 312 950

.INC 2 of 2 STATEMENT BACKER IS PRINTED ON THIS PAGE 027 062603:14:50 001 Y8011 EFTA00197288 CLEARANCE AGENT TO FBR FRIEDMAN, 1311.I.INGS, RAMSEY A CO.. INC. OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street Nord) Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Fax (703) 312 950

OUR ACCOUNT 1001 Nineteenth Street NOM Adelson 22 Tele E Tel -mai VISIT OuR WEBSTT I rem.. th.com Important Message Yoke Brokerage Firm and Boar Stearns are pleased to announce the conversion to a calendar month-end statement. Effective this month. your account statement reflects all actmty and &co

R IS PRINTED ON THIS PAGE 017 01101/14:15.56 001 410 EFTA01321748 C) O z m C rn z J r t74ZZSEOCIA19- ANCIS TO FBR RIF.DNIAN. BILLINGS, RAMSEY a CO.. INC. OF FEE SERVICING YOUR ACCOUNT 1001 Nineteenth Street NOM Adelson 22 Tele E Tel -mai VISIT OuR WEBSTT I rem.. th.com Important M

O NSW 30.2002 MRCS theerreet 31.2002 ACOMEIT NSER 895-03235 K91 TAX'S NSA P1 F11* LMT STATES/ENT Nththreet 29.2002 Your Investment Firm and Bear Steams are pleased to introduce a new Multi-Transaction Confirmation to be roiled out during the first quarter of 2003. Multiple transactions executed on

or more are exempt from the the and are therefore not included in the statistics. 027 0101/03:13.47 001 V630 EFTA01321738 TitianmsN, BILLINGS. RAMSEY A CO.. INC. 1'BR (OWE SERVICING YOUR ACCOUNT 1001 Nineteenth Sueet Meth Annthan. !NOW Telephone (703) 312 9500 22209-1722 Fes (703) 312 9501 in