UB NOTE CONY CMALG .144.003 80.00000 115200.00 DUE 06/01/2002 07.000% JO 01 ACCR. INT. 3.668.00 YOUR BROKER WAS YOUR AGENT AND BEAR STEAMS A PRICPAL WE MAKE A MKT IN TICS SECURITY YIELD 20.821 % TO MATURITY 027 04/2IN01:11714 V471 EFTA01323387 In 8 IJ V.2 11.2 BEAR STEARNS OFFICE SE