day on which such rate is determined. The emu& rate of interest will be no more than 3% above the Bear Steams Margin Basis Rate or 4% above either the Bear Steams Securities Fed Funds Rate or LIBOR and will appear on your monthly statements. Since the rate of interest charged is related to the Bear Stearns Margin Basis

y on which such rate is determined. The annual rate of interest will be no more than 3% above the Bear Stearns Margin Basis Rate or a% above either the Bear Steams Securities Fed Funds Rate or LIBOR and will appear on your monthly statements, Since the rate of interest charged is related to the Bear Steams Margin Basis