Epstein Secrets

r funds, as quoted by an independent broker of such funds selected by Bear Steams Securities for the last transaction completed prior to 9:30 a,m, (Eastem Time) on the business day on which such rate is determined. The annual rate of interest will be no more than 3% above the Bear Stearns Margin Basis Rat

e 30 to avoid increased penalties. For Tax Returns and information, call the Department of Revenue at 1.800.352.3671. End of Statement As part of the National Association of Securities Dealers (NASD) Investor Education Program, you may obtain information on the NASD's Public Disclosure Program by contacting the NASD at telephone number (

r funds, as quoted by an independent broker of such funds selected by Bear Steams Securities for the last transaction completed prior to 9:30 a,m, (Eastem Time) on the business day on which such rate is determined. The annual rate of interest will be no more than 3% above the Bear Stearns Margin Basis Rat

OURNAL MARK TO MARKET 2,227.00 12/30/02 JOURNAL MARK TO MARKET SHORT POS 2,227.00 TOTAL $43,223.00 $83223.00 Your messages irw• As pail of the National Association of Securities Dealers (NASD) Investor Education Program, you may obtain information on the NASD's Public Disclosure Program by contacting the NASD at telephone number (

r funds, as quoted by an independent broker of such funds selected by Bear Steams Securities for the last transaction completed prior to 9:30 a,m, (Eastem Time) on the business day on which such rate is determined. The annual rate of interest will be no more than 3% above the Bear Stearns Margin Basis Rat

AMOUNT CRUM AMOuNT 12/02/02 JOURNAL TO 34.06 COMPLETE .N_ 12111/02 JOURNAL TO 3.571.61 PER L TOTAL 5.3.605.67 Your messages As part of the National Association of Securities Dealers (NASD} Investor Education Program, you may obtain information on the NASD's Public Dicsincure Program by contacting the NASD at telephone number (

r funds, as quoted by an independent broker of such funds selected by Bear Steams Securities for the last transaction completed prior to 9:30 a,m, (Eastem Time) on the business day on which such rate is determined. The annual rate of interest will be no more than 3% above the Bear Stearns Margin Basis Rat

ember 31.2002 ACCOUNT NUMBER TAXPAYER MAWR On FIle LAST STATEMENT November 29.2002 [RENT AMOUNT 71.10 TOTAL $71.10 Your messages As part of the National Association of Securities Dealers (NASD) Investor Education Program, you may obtain information on the NASD's Public Dicrincure Program by contacting the NASD at telephone number (