mem.. October 26.2001 Calm matrix maPAPER M$ UST STATCPIEWT Secant. 2t 2001 102701.'0AI V502 EFTA01323101 OFFa SERVICING YOUR ACCOUNT Bear. Stearns & Ca Inc. BEAR 245 Park Avenue New York. New York 10167 STEARNS 0.F.APSO 11.11OOO.4 ?Ague deka SueSOARY Bev. Seers Seamen Ca,. One lAteectelt. Cense lo