Epstein Secrets

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

ng money. The Bear Steams Securities Fed Funds Rate is the rate for U.S. dollar funds, as quoted by an independent broker of such funds selected by Bear Stearns Securities for the last transaction completed prior to 9:30 a.m. (Eastern Time) on the business day on which such rate is determined. The annual rate of Inte

eams Stock and to refrain from refiling or commencing any other litigation relating to the same, but we are not precluded from participating in what Bear Steams is referring to the Securities Class Action, provided that we cannot opt out and cannot oppose any settlement reached in that Class Action. In the

le No. 08 MDL 1963 (RWS), Securities Action, No. 08 Civ. 2793 (RWS) (the "Securities Class Action"), alleging misrepresentations in connection with Bear Stearns Securities; My question to you is are we still entitled to participate in this class action. Did we lose the right by filing our action? Was there any deadlin

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

harged for borrowing money. The BSSC Fed Fund rate is the rate for U.S. dollar funds, as quoted by an independent broker or such funds selected by Bear Stearns Securities for the last transaction compacted prior to 9:30 8 .I71. (Eastern Time) on the business day on which such rate is determined. The annual rate of in

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

URSUANT TO THE TRUTH IN LENDING SEC RULE 10b-16 Effective as of May 21, 2003, the annual rate of interest charged on any credit extended to you by Bear Stearns Securities for the purpose of purchasing, carrying or trading in any security or other property shall be based on either the BSSC Base Lending Rate, the BSSC