CCOusit Bea'. Steams & Co. Inc. 383 Madson Avenue New York New York 10179 (212) 272-2000 Sew. Sterns Stattles (Se illfettech otter Morn Drew*, Xw rwt 112O1.183O 02721272.1OOO FINANCIAL TRUST CO INC 3 el i I Cash Flow Analysis MS MOD Income Summary ms YEAR !ODA% STAMEN,* Pffe00 October 28. 20