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h Cave Me. Roolem. RIM YOE I 1201.1149 R1212724000 HEALTH & SCIENCE INTERESTS II STATIserwr PERIOD Artie; 1.2002 Tinton Janney 25.2002 ACCOUNT NUMMI NIS TAXPMER Wart cone WT IITATENENT December 31.2001 CREDIT MOUNT 1.2500 391.98 6417.48 Your messages The interest, if any, charged to you

to you. If (Or any other reason Bear Steams SecuritieS changes the rate of interest it charges you, we will awe you at least 30 days prior notice. The 'Statement of Interest Charges Pursuant to the Truth-in-Lending" SEC Rule 10b-16' previously provided to you remains in effect except to the extent specifically amended by this notice. 0

ureS Cap. One lArotecn Cole Nom ender NAN Y l 11201-38$9 (2121212.1000 JEFFREY EPSTEIN STATC1aNT MOOD ke, 27.2002 miaow Aims; 30.2002 ACCOUNT NUMMI la TAXertell M LAST STANENIENT Jt 28. 2002 QUIMBY Mn Cr Call AMMO 01ZOIT MOUNT 1.2500 7.75 57.75 End of Statemen 027 0w2102:1323 COI VMS

you. If for any other reason Bear Stearns Securities changes the rate of interest it charges you. we will give you at least 30 days prior notice. The 'Statement of Interest Charges Pursuant to the 'Truth-Intending' SEC Rule 10b-16" previously provided to you remains in effect except to the extent specifically amended by this notice. 0

2002 TELEPHONE neOUSH ALVUSt 30.2002 MIT OUR %LAMBE VAIM.befieStelielS.COM ACCOLM NAleUt What's In This Statement llurllurl II III TOP AY°, NUMMI On T le Financial Summary 3 FINANCIAL TRUST COMPANY INC WIT STATEMENT AU 26.2002 CYO AMERICAN YACHT HARBOR Yow Portfolio Holdings 4 6100 R

you. If for any other reason Bear Stearns Securities changes the rate of interest it charges you, we will give you at least 30 days prior notice. The 'Statement of Interest Charges Pursuant to the Rule 100-16' previously provided to you remains in effect except to the extent specifically amended by this notice. 027 C*2502.1315 021 96