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SEY & CO.. INC. OFFICE SERVICayG YOUR ACCOUNT 1001 Nineteenth SUM Noah Aningtay. v 222O9.1722 ',goiter.* 2 or • Your messages BaP• As part of the National Association of Securities Dealers (NASD) Investor Education Program. you may obtain information on the WASTYs NU iro i i ' Program by contacting the NASD at telephone number or vi

harged for borrowing money. The BSSC Fed Fund rate is the rate for U.S. dollar funds, as quoted by an independent broker or such funds selected by Bear Stearns Securities for the last transaction compacted prior to 9:30 8 .I71. (Eastern Time) on the business day on which such rate is determined. The annual rate of in

enth Street North Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Fax (703) 312 9501 E-Mail infoefbrsom 2 Your messages la" 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 (8

URSUANT TO THE TRUTH IN LENDING SEC RULE 10b-16 Effective as of May 21, 2003, the annual rate of interest charged on any credit extended to you by Bear Stearns Securities for the purpose of purchasing, carrying or trading in any security or other property shall be based on either the BSSC Base Lending Rate, the BSSC

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 NASDS Public Disclosure Program by contacting the NASD at telephone number (8

ng money. The Bear Steams Securities Fed Funds Rate is the rate for U.S. dollar funds, as quoted by an independent broker of such funds selected by Bear Stearns Securities for the last transaction completed prior to 9:30 a.m. (Eastern Time) on the business day on which such rate is determined. The annual rate of Inte