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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

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 such funds selected by Bear Steams Securities for the last tra

Statements CONFIDENTIAL SDNYGM,352 325 EFTA,2250 I 7 EFTA01321830 atmto 114100004 ITS wwectv OWNED SUOSICIARY BEAR STEARNS ACCOUNT MCGUIRE TELEPHONE VISIT OUR WEBSTIF ZICHERMAN.IRA werw.beerstearns.com What's In This Statement Financial Summary Transaction Detail

AL 512.882.562.50 50.00 TMCTT4GaGfmlwganarymw wielan a/ aulwrent OS2992131s 001 V535 EFTA01321856 0 m cim H r ZSEZSE00- IND- ANGS BUR STERNS OFFICE SERVICING YOUR ACCOUNT Bear. Steams 8 Co. Inc. 383 Madison Avenue New Yak, New York 10179 (212) 272-2000 10 Your messages Bear. Stearn

ce lees will be charged to applicable accounts as of November 1. 2002: The service charge per transaction will be $5.00. Accounts transferred from Bear Steams will be charged a $75.00 account transfer fee. There will be a $50.00 fee for each stock certificate that Is sent out in registered form at the cus

hort-term market interest rates quoted by money center banks and the Federal Reserve and the rate that Bear Stearns 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 such funds selected by Bear Stearns Securities for the last tr

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

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 such funds selected by Bear Stearns Securities for the last tr

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

short-tam 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 such funds selected by Bear Stearns Securities for the last tr