RY BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear. Stearns 8 Co. Inc. 383 Madison Avenue New York, New York 10179 Ban. SIWAS SOOtribtl Gal). ho Mentech Cooler North Brock/on, Neu rem 1120/3859 EPSTEIN INTERESTS ACCOUNT EXECUTIVE CHERMAN.IRA STATEMENT PERIOD March 29.2003 TELEPHONE THROUGH April 25.2