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hrough 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 obligation

ll reflect all activity and account valuation up to and including the last business day of the month. 11812 EFTA00196429 CLEARED THROUGH ITS WIIOUY 0"EO SUBSIDIARY BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear. Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 2 c/ Repurcha

he 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 014144:09:20 001

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Steams Securities Corp. obtains excess SIPC protection changed to Customer Asset Protection Company MAPCO", a New York licensed insurance company. CAPCO has an A-i- financial strength rating from Standard and Pools. fige Beer. Saea•ns SOC,M*1 GNP. Ore Metsciech Cant“ Noah 8ro:kron. New Ye* 11201.

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