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Statements EFTA00200731 CLEARED THRCOGH nS meekly 0He.E0 SUBSIDIARY BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear. Stearns & Co. Inc. 383 Madison Avenue New York, Nage York 10179 ACCOUNT EXECUTIVE TELEPHONE VISIT OUR WEBSITE GCHERMAN.IRA 67A\ uearstearns.com What's In This S

itional protection ("Excess SIPC") through a commercial insurer, Effective February 16, 2004, the commercial insurer for Excess SIPC will change to Customer Asset Protection Company ("CAPCO"), a licensed New York insurance company. Account protection applies when a SIPC member firm fails financially and is unable to meet its ob

Statements EFTA00196458 CLEARED IHRWOH ITS LIKELY 04nE0 SUBSIDIARY BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear. Stearns & Co. Inc. 383 Madison Avenue New York. New York 10179 ACCOUNT EXECUTIVE GNMA GOVT BOND VISIT OUR WEBSITE wenv.bearstearns.com FINANCIAL TRUST CO INC AT

date Effective February 16, 2004, the commercial insurer through which Bear, Steams Securities Corp, obtains excess SIPC protection will change to Customer Asset Protection Company ('CAPCO'), a New York licensed insurance company. CAPCO has an financial strength rating from Standard and Pools. End of Statement 027 014144:0

Statements EFTA00197160 CLEARED iHRCOGH simply GHT.E0 SUBSIDIARY BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear. Stearns & Co. Inc. 383 Madison Avenue New York. New York 10179 ACCOUNT EXECUTIVE GNMA GOVT BOND What's In This Statement IIII II 111111111U I I Financial Summary

itional protection ('Excess SIPC") through a commercial insurer. Effective February 16, 2004, the commercial insurer for Excess SIPC will change to Customer Asset Protection Company ('CAPCO'), a licensed New York insurance company, Account protection applies when a SIPC member firm fails financially and is unable to meet its ob