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

NES CORP AVG PRICE SHOWN-DETALS ON REO ACTUAL CCISTRM TO YOUR AGENT UNSOLICITED IBM -250.000 80.25990 20,049,368.54 08/28/02 08/23/02 SOLD TYCO INTERNATIONAL LTD TYC .500.000 16.02440 7.981.956.33 AVG PRICE SHOWN-DETALS ON REO ACTUAL OCHFiRM TO YOUR AGENT UNSOLICITED TOTAL $-27.931.700.00 $34.444,028

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

AO1116E WARNER INC AOL 600.000 12.12000 AVG PRICE 5140V01.0ETAILS ON REP ACTUAL CONFTWA TO ,r1:411 Ken UNSOLICITED 08/20/02 08/15102 SOUGHT TYCO INTERNATIONAL LTD 11C 500.000 13.30040 AVG PRICE SHOWN-MARS ON REP ACTUAL CONFRM TO YOUR AGENT UNSOLICITED 08/28/02 08/2102 BOUGHT AUTONATTON INC DEL AN 10

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

ALYANS TRADING INC GLYN CASH 150.000 10.0000 1.500.000 II0WNGER INTERNATIONAL INC HIS SHRT .25,000 10.1600 .254.000 -5.000 1.9685 CL A TYCO INTERNATIONAL LTD TYC CASH 100.000 17.0800 1.708.000 5,000 0.2927 VECTOR GROUP LTD VGR CASH 393.008 11.6200 4.588.753 628,813 13.7694 SENTIGEN HOLDING