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Statements EFTA00195171 CLEARED THROWN nS intiCkLY OHnEO SUBSIDIARY BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear. Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 ACCOUNT EXECUTIVE TELEPHONE VISIT OUR WEBSITE Z:CHERMAN.IRA IA1 uearstearrts.com What's In This S

ur customers, independent third-party research ('Independent Research'), at no cost, on the common stock of certain companies covered by the Firm's Equity Research Department ('Covered Company). Customers will be able to access this research at wwgv,bearsteams,com or can call (800) 517-2327 to request that a copy of this

Statements EFTA00196734 CLEARED THROUGH ITS stitekly 0s1h.E0 SUBSIDIARY BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear. Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 ACCOUNT EXECUTIVE TELEPHONE VISIT OUR WEBSITE LICHERMAN.IRA 67AV uearstearns.com What's In This S

ST STATEMENT November 30.2004 Equities & Options The research ratings for Bear Steams (BSC) are shown for certain securities covered by the Firm's Equity Research Department, The first rating represents the stock's total return relative to the other stocks covered by that Analyst. The key for the stock rating values is a

Statements EFTA00198956 CLEARED 114FICOGH ITS YRICI,LY 0"ED SUBSIDIARY BffiR STffiRNS OFFICE SERVICING YOUR ACCOUNT Bear. Stearns & Co. Inc. 383 Madison Avenue New York New York 10179 ACCOUNT EXECUTIVE TELEPHONE VISIT OUR WEBSITE GCHERMAN.IRA iWAV uearstearns.com What's In This Sta

ur customers, independent third-party research ('Independent Research'), at no cost, on the common stock of certain companies covered by the Firm's Equity Research Department ('Covered Company). Customers will be able to access this research at wwgv,bearsteams,com or can call (800) 517-2327 to request that a copy of this