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ONDER NW° Os Fee NTT WITOPC Naterter 29.2002 027 0101037°30 001 .839 EFTA01320475 rn IS b.) IJ so IJ -n C in z r 68ZOSEOCIA19- ANGS BEAR STEARNS ok OFFICE SERVICING YOUR ACCOUNT 10179 CLEJAEO TmolOuCN ITS %MOLLY OAINE0 SLAIS0ANY but Sun Swabs Cop One Unrtted. Car Tian ea M 11201.3869 EPST

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

UE 4IHFLR NEW YORK NY 10022.6843 Market Value of Your Portfolio OXFSfil ate value II last 5u:errata market value $1.869.542 51.916.563 area. Sterns torus Cap. One *omen On *am New TM 17201.3355 EPSTEIN INTERESTS STATEMENT PE/ROD January 1.2002 TielOuGH January 25.2002 ACCAna MIAOW ITS TAX

es for the purpose of purchasing, carrying a trading In any security or other property shall be based on either the Bear Steams Margin Basis Rate. the Bear Stearns Securities Fed Funds Rate a the London Interbank Offearg Rate (LIBOR). The Bear Stearns Margin Basis Rate will be quoted dairy by Bear Stearns at our main office in New York

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

for the purpose of purchasing. carrying or trading in any security or other property shall be based on either the Bear Stearns Margin Basis Rate. the Bear Stearns Securities Fed Funds Rate a the London Interbank Offering Rate ('LIBORD. The Bear Stearns Margin Basis Rate Me be quoted daffy by Bear Stearns at ax main office in New York,

lease call -toll free 1.866-299-9331. 02. 03.2201:20.33 001 V514 EFTA01321440 rn I8 b.) V.) E.) —J 00 z ii C in z r 98SISEOCIA19- ANGS BEAR STEARNS ma SERVICING PPM ACCOUNT Bea r Near Y New 10179 S °rk Mik CLEM= MOWN rte SMUT OME0 SUSSIOMM Beet MIMS Semmes Cep. aw ranntra, COW MTh Cue 112

e Bear Stearns Securities Fed Funds Rate or the London Interbank Offering Rate (LIBOR')- The Bear Stearns Margin Basis Rate will be quoted daily by Bear Steams at our main office Xi New York. Factors affecting the determination of the Bear Stearns Moran Basis Rate will include the short-tam market interest

for the purpose of purchasing. carrying or trading in any security or other property shall be based on either the Bear Stearns Margin Basis Rate. the Bear Stearns Securities Fed Funds Rate or the London Interbank Offering Rate (LIBOR')- The Bear Stearns Margin Basis Rate will be quoted daily by Bear Steams at our main office Xi New Yo