anuary 1.2002 THROUGH January 25.2002 ACCOUNT NUMBER TAXPAYER AMMER On File LAST STATEMENT December 31,2001 EFTA00197766 CLEARED THROWN ITS YINCILY ORIkED SUBSIDIARY B STUR URNS OFFICE SERVICING YOUR ACCOUNT Bear. Steams & Co. Inc. 5 c/ Your Portfolio Holdings (continued) YOUR TOTAL ESTIMA