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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
PORTANT NOTICE TO CUENTS: Disclosure or Order Execution and Routing Practices Sec Rule 1lAc1-5 (Monthly report) requires 'market centers that trade Nasdaq National Market, Nasdaq Small Cap securities and exchange-listed securities to make publicly available standardized. monthly statistical information about 'covered
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
RTANT NOTICE TO CLIENTS: Disclosure of Order Execution and Routing Practices Sec Rule 11Ac1.5 (Monthly report) requires 'market centers' that trade Nasdaq National Market, Nasdaq Small Cap securities and exchange-listed securities to make publicly available standardized, monthly statistical information about 'covered
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
RTANT NOTICE TO CUENTS: Disclosure of Order Execution and Routing Practices SEC Rule llaC1-5 (monthly report) requires 'market centers' that trade Nasdaq National Market, Nasdaq Small Cap securities and exchange-listed Securities to make publicly evadable standardized. monthly statistical information about 'catered
Entities connected to both Bear Stearns and Nasdaq National Market

Financial Trust Company
ORGANIZATION
New York
LOCATION
Virginia Giuffre
PERSONthe National Association of Securities Dealers
ORGANIZATIONthe Bear, Steams Securities Corp. Statement
ORGANIZATIONthe London Interbank Offering Rate
ORGANIZATIONCustomer Asset Protection Company
ORGANIZATIONRAMSEY & CO.. INC.
ORGANIZATION
RAMSEY
ORGANIZATIONBear Stearns Securities
ORGANIZATIONFRIEDMAN, BILLINGS
ORGANIZATIONThe Statement of Interest Charges Pursuant
ORGANIZATIONREOHOOK
ORGANIZATIONRAMSEY & CO.
ORGANIZATION