OISCRotou N'T CRUM 11.COMt 12/21/01 MEREST ON CREDIT BALANCE 843.23 AT 1 1ft% 11/21 11180 12/10 TOTAL $1 .198.92 Your messages As part of the National Association of Sectrities Dealer's (NASD) Investor Education Program, you may obtain information on the NASDS Pulsar Disclostre program by contacting the NASD at telephone number (8