T January 31.2003 Your Portfolio Allocation Cash & 10014 Unt.edecl POMOnS denote debt blonde *nee Or, mane veLee The elms", ;event'', ty owed Wm Uo ebsol.te market rat), ol,ev palloo vE41 EFTA00195162 CLEARED THRWGH I1S V/liCkLY OMT,E0 SUBSIDIARY BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT