Epstein Secrets

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•in•Lending' SEC Rule 10b-16" previously provided to you remains in effect except to the extent specifically amended by this notice. 0

addition, a brochure explaining the Public Disclosure Program is available from the NASD upon request, End of Statement Beer. Saea•ns SOC,M*1 GNP CeoLlevetech CarrIN Noah BecciCon. New Year I I2O1.38S9 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD November 30.2002 THROUGH December 31.2002 ACCCUNT NUMBE

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•in•Lending' SEC Rule 10b-16" previously provided to you remains in effect except to the extent specifically amended by this notice. 0

SHORT SEE NOTE ON BACK TOTAL The above irados 63 Am al:peal in one °Mot socban Al ihd stalown. End of Statement 808f. SZeirns S0C,M.81 CO,P. CeoLlevetech CarrIN Noah eeccidon. New Tuk 11201.3869 HEALTH 8 SCIENCE INTERESTS II STATEMENT PERK* Jul/ 27.2002 THROUGH August 30.2002 ACCOUNT NUMBER TAXP

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•in•Lending' SEC Rule 10b-16" previously provided to you remains in effect except to the extent specifically amended by this notice. 0

TS AND WITHDRAWALS 10/01/02 FND WIRED GE06R~ I 10/24/02 CHECK 5,592.OO TOTAL 8-123.O22.OO MONEY FUND ACTIVITY Beer. Szeirns Secv, t4,1 OOP. CeoLlevetech CarrIN NOM Beano. New Ye* 11201.3859 INTERNATIONAL CHARITABLE STATEMENT PER100 SepWrite 28.2002 THROUGH Ovate( 25.2002 ACCCUNT NUMBER TAXPAYER