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RWOH ITS YilIOLLY OWNED SUBSIDIARY BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear Stearns & Co. Inc. New Y New York 10179 ACCOUNT EXECUTIVE TELEPEIDNE VISIT OUR WEESITE Z:CHERNIAN.IRA O. IA1 uearstearns.com What's In This Statement Financial Summary 3 Your Portfolio Holdings 4 Transact

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D SUBSIDIARY BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear. Stearns 8 Co. Inc. 383 Madison Avenue New York New York 10179 ACCOUNT EXECUTIVE TELEPEIDNE VISIT OUR WEBSITE LIC;HaRMAN.IRA 'ww.uea•stearrs.com What's In This Statement Financial Summary 3 Your Portfolio Holdings 4 Transaction

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D SUBSIDIARY BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear. Stearns 8 Co. Inc. 383 Madison Avenue New York New York 10179 ACCOUNT EXECUTIVE TELEPEIDNE VISIT OUR WEBSITE LI3HaRMAN.IRA ....envuearstearns.com What's In This Statement Financial Summary 3 Your Portfolio Holdings 3 Transact