Statements EFTA00196567

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BEAR STEARNS ACCOUNT EXECUTIVE ZICHERMAN, IRA OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New = New York 10179 TELEPHONE VISIT OUR WEBSITE + www.bearstearns.com What's In This Statement Financial Summary , . 38 Your Portfolio Holdings . . 4 Transaction Detail .....ssssseseenneres 5 Fund ACtiVILY Autumn YOUr Me@SSAQ@S ..,..ssssssecessssesserssees 7 Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD 9,756,423 NET CREDIT BALANCE 877,181 MONEY MARKET FUND BALANCE 2,331,232 SE TT NET EQUITY LAST STATEMENT 33,803,464 CHANGE SINCE LAST STATEMENT -20,838,628 There are no “Stop Loss” orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securities Corp., One Metrolech Center North, Brooklyn, N.Y. 11201-3859, FINANCIAL TRUST COMPANY INC C/O AMERICAN YACHT HARBOR * 6100 RED HOOK SUITE B-3 QUARTERS #2 ST THOMAS VI 00802 Market Value of Your Portfolio catn 8 ant — IM LO Aer 65 55,100 Equities 10,010,423 : $-254,000 $11,007,864 =: $489,500 | | Current market value $288] Last statements market value ([) Short market value ‘This summary is for informational purposes only. It Is not intended as a tax document, CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD November 30,2002 December 31,2002 accout nuvecr TAXPAYER NUMBER On File THROUGH LAST STATEMENT November 29, 2002 Important Message if any information regarding 2002interest, dividends, miscellaneous income, gross proceeds or original issue discount is required to be reported to the IRS for this account, a Consolidated Form 1099 will be mailed to you by January 31,2003o0r a 1042Sby March 17,2003. ‘This statemem should be retained for your records. See reverse side for important information. 027 01/01/03;09:30 001 ves EFTA00196568

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2 of? STATEMENT BACKER IS PRINTED ON THIS PAGE 01/01/03;09:30 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC EFTA00196569

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BEAR STEARNS 3 of? OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 Cash Flow Analysis THIS PERIOD OpeningBalance $1,474,539.19 Money Fund 19,520,670.97 Funds Deposited 10,000,000.00 Dividends/Interest 157,619.28 Amount Credited $29,678.290.25 Securities Bought -254,977.50 Money Fund -20.670.97 Funds Withdrawn -30,000,000.00 Amount Debiteg neessssennernernerneenst SOOO MOAT Net Cash Activity -597,358.22 Same day ransiers of cash between account types are not included in this section; such transfers, as well ss details for all other transactions this period, appear in Transaction Detail, Cash Balance Summary OPENING CLOSING Cash 791,335.43 448,954.71 Margin 191,204.00 166.977.00 Short 491,999.76 261,249.26 Net Cash Balance $1,474,539.19 $877,180.97 Income Summary THS PERIOD YEAR TO DATE Dividends 177,874.17 1.122.184.41 Credit Balance Int. 416.08 17,865.78 Foreign Tax Withheld 0.00 -4,500.00 Portfolio Composition SHOAT LONG Cash/Cash Equivalent 3,208,413 Equities 254,000 10,010,423 027 01/01/03;09:30 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD November 30,2002 December 31,2002 accout nuvecr TAXPAYER NUMBER On File THROUGH LAST STATEMENT November 29, 2002 Your Portfolio Allocation Cash & Equivalent 24% Short Equities 1% Equities 75% Unehaded portions denote debt balance andior short market values. The alocation percentage is derived from the absohte market value of your portloio, ves EFTA00196570

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 47 Your Portfolio Holdings CASH & CASH EQUIVALENTS NAABKET ESTIMATED — CURRENT DESCRETION SYMBOLICUSIP QUANTITY PRICE VALUE ANNUAL INCOME —_YELD (%} CASH BALANCE DREYFUS CASH MANAGEMENT-CL A DICKX 2,331,231.89 1.0000 2,331,232 32,637 1.4000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD 1,2200% TOTAL CASH & CASH EQUIVALENTS $3,208,413 $32,637 EQUITIES Equities & Options ACT MARKET ESTIMATED QURFENT DESCRIPTION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YELD (%) FLEXTRONICS INTERNATIONAL FLEX CASH 100,000 8.1900 819,000 uTo GALYANS TRADING INC GLYN CASH 150,000 10.0000 1,500,000 HOLLINGEA INTERNATIONAL INC HLR SHAT -25,000 10.1600 -254,000 5,000 1.9685 CLA THES ee rec c ccc acc ccna neh wa Lea TS wae iw VECTOR GROUP LTD VGR CASH 393,008 11.6200 4,566,753 628.813 13.7694 SENTIGEN HOLDING CP ASTD | CASH 333,334 4.2500 1,416,670 Total Equities& Options $9,756,423 $628,813 TOTAL EQUITIES $9,756,423 $628,813 YOUR TOTAL ESTIMATED ANNUAL INCOME $661,450 YOUR PRICED PORTFOLIOHOLDINGS $12,964,836 027 01/01/03;09:30 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOO November 30, 2002 THROUGH ACCOUNT NUMBER December 31,2002 TAXPAYER NUMBER On File LAST STATEMENT véas November 29, 2002 EFTA00196571

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BEAR STEARNS 5 of? Transaction Detail OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD Novernber 30, 2002 THROUGH December 31,2002 accoust numecr [S TAXPAYER NUMBER On File INVESTMENT ACTIVITY LAST STATEMENT — November 29, 2002 SETTLEMENT TRADE DATE DATE TRANSACTION DESCRIPTION QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 12/24/02 12/19/02 BOUGHT HOLUNGER INTERNATIONAL INC 25,000 10.13900 254,977.50 CLA UNSOLICITED COVER SHORT, TOTAL $-254.977.50 DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRETION CREDIT AMOUNT 12/02/02 END WIRED a IOS WIRED TO 30,000,000.00 12/02/02 FUNDS REC inion IK FROM 10,000,000.00 TOTAL MONEY FUND ACTIVITY DATE MOUDAY TRANSACTION: 11/30/02 *BIVIDEND RaECEUS GASH MANAGENENT-CL A” DESCAIPTION OPENINGBALANCE IE C MANA\ A INSTITUTIONAL SHARES RenNtMONAD SeARES DIVIDEND REINVESTED $-30.000,000.00 20,670.97 $10,000.000.00 QUANTITY PRICE DEBIT AMOUNT CAEDIT AMOUNT 21,810,560.92 027 01/01/03;09:30 001 véas EFTA00196572

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Steams Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North BEAR 383 Madison Avenue Brocklyn, New York 11201-2859 STEARNS New York, New York 10179 FINANCIAL TRUST COMPANY INC 6 of? STATEMENT PERIOO November 30, 2002 THROUGH December 31,2002 Transaction Detail (continued) accouvt xumccr | TAXPAYER NUMBER On File MONEY FUND ACTIVITY (continued) LAST STATEMENT — November 29, 2002 DATE MOVDAY TRANSACTION DESCAIFTION SYMBOUOUSIF QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 12/31/02 CLOSINGBALANCE 2,331,231.89 TOTAL $-20,670.97 $19,520,670.97 DIVIDENDS DATE CESCRIPTION SYMBOUCUSIF QUANTITY RATE ($) CEBIT AMOUNT CREDIT AMOUNT 12/30/02 VECTOR GROUP LTD VGR 393,008 0.4000 157,203.20 REC 12/20/02 PAY 12/30/02 TOTAL $157,203.20 INTEREST DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) CEBIT AMOUNT CREDIT AMOUNT 12/23/02 INTEREST ONCREDIT BALANCE 0.7500 416.08 AT 0 3/4% 11/21 THRU 12/20 TOTAL $416.08 MISCELLANEOUS DATE MODAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 12/02/02 JOURNAL MARK TO MARKET JOURNAL MARK TO MARKET 28,499.00 MARK TO MARKET SHORT POS 027 01/01/03;09:30 001 véas EFTA00196573

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 7 ot? Transaction Detail (continued) MISCELLANEOUS (continued) OATE MaDAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 12/16/02 = JOURNAL MARK TO MARKET 26,999.00 12/23/02 JOURNAL MARK TO MARKET SHORT POS TOTAL $-83,223.00 Your messages As part of the National Association of Securities Dealer's (NASD) Investor Education Program, you may obtain information on the NASD's Public Disclosure Program by contacting the NASD at telephone number (800) 289-9999 or via the intemet address which is www.nasdr.com, In addition, a brochure explaining the Public Disclosure Program is available from the NASD upon request. (stor ****** End of Statement™***** VY 027 01/01/03;08:30 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOO November 30, 2002 THROUGH December 31,2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT November 29, 2002 EFTA00196574

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE wew.bearstearns.com What’s In This Statement Financial Summary , ' Your Portfolio Holdings . . Transaction Detail ......ssessesseresseeerees Fund ACtivity w,ssesssssserssnesessctenessecanesnensans ans w Your Portfolio at a Glance NET CREDIT BALANCE 1,474,539 MONEY MARKET FUND BALANCE 21,810,561 NET EQUITY THIS PERIOD $33,803,464 NET EQUITY LAST STATEMENT CHANGE SINCE LAST STATEMENT 13,271,434 20,532,031 There are no “Stop Loss’ orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securities Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-3869. FINANCIAL TRUST COMPANY INC C/O AMERICAN YACHT HARBOR * 6100 RED HOOK SUITE B-3 QUARTERS #2 ST THOMAS VI 00802 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD October 26, 2002 Novernber 29, 2002 accout nuvecr TAXPAYER NUMBER On File October 25, 2002 THROUGH LAST STATEMENT Market Value of Your Portfolio 2 $23,285,100 TOTAL VALUE OF SECURITIES THIS PERIOD 10,518,364 Cash & Equivalent $3,836,868 $11,007,864 ities | | Current market value ERB] Last statements market value ([) Short market value : $489,500 This summary is for informational purposes only. It Is mot intended as a tax document This statement should be retained for your records. See reverse side for important information 027 11/30V02;14:28 001 ves EFTA00196575

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2 of? STATEMENT BACKER IS PRINTED ON THIS PAGE 11/3002;14:25 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC EFTA00196576

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BEAR STEARNS 3 of? OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 Cash Flow Analysis THIS PERIOD OpeningBalance $21,673. 62 Securities Sold 453,203.76 Money Fund 15,366.68 Funds Deposited 19,041,875.00 Dividends/Interest 1,786.81 Amount Cr ited -18,005,366.68 -54,000.00 Money Fund Funds Withdrawn $-18,059,.366.68 Amount Debited | Net Cash Activity 1,452,865.57 Same day ransiers of cash between account types are not included in this section; such transfers, as well ss details for all other transactions this period, appear in Transaction Detail, Cash Balance Summary OPENING CLOSING Cash 21,673.62 791,335.43 Margin 0.00 191,204.00 Short 0.00 491,999.76 Net Cash Balance $21,673.62 $1,474,539.19 Income Summary THS PERIOD YEAR TO DATE Dividends 6,616.68 944,310.24 Credit Balance Int. 536.81 17,449.70 TOR oetsereesessesneeneeneate LOD AD ceeree BPO LOOM Foreign Tax Withheld 0.00 -4,500.00 Portfolio Composition sHOaT LONG Cash/Cash Equivalent 23,285,100 Equities 489.500 11,007,864 027 11/3002;14:25 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD October 26, 2002 THROUGH November 29, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT October 25, 2002 Your Portfolio Allocation Equities 32% “Sy Short Equities Cash & Equivalent 1% 67% Unehaded portions denote debt balance andior short market values. The alocation percentage is derived from the absohte market value of your portloio, veas EFTA00196577

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 47 Your Portfolio Holdings CASH & CASH EQUIVALENTS NAABKET ESTIMATED — CURRENT DESCRETION SYMBOLICUSIP QUANTITY PRICE VALUE ANNUAL INCOME —_YELD (%} CASH BALANCE DREYFUS CASH MANAGEMENT-CL A DICKX 21,810,560.92 1.0000 21,810,561 370,780 1.7000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD 1,3900% TOTAL CASH & CASH EQUIVALENTS $23,285,100 $370,780 EQUITIES Equities & Options ACT MARKET ESTIMATED QURFENT DESCRIPTION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YELD (%) FLEXTRONICS INTERNATIONAL FLEX CASH 100,000 11.0100 1,101,000 uTo GALYANS TRADING INC GLYN CASH 150,000 13.5100 2,026,500 HOLLINGEA INTERNATIONAL INC HLA SHAT -50,000 9.7900 -489,500 -10,000 2.0429 CLA Ce eee perm VECTOR GROUP LTD VGR CASH 393,008 11.3900 4,476,361 628.813 14.0474 SENTIGEN HOLDING CP ASTD | CASH 333,334 4.8600 1,620,003 Total Equities& Options $10,518,364 $623,813 TOTAL EQUITIES $10,518,364 $623,813 YOUR TOTAL ESTIMATED ANNUAL INCOME $994,593 YOUR PRICED PORTFOLIOHOLDINGS $33,803,464 027 11/3002;14:25 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD October 26, 2002 THROUGH ACCOUNT NUMBER November 29, 2002 TAXPAYER NUMBER On File LAST STATEMENT véas October 25, 2002 EFTA00196578

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 | 5 of? Transaction Detail CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD October 26, 2002 THROUGH November 29, 2002 accoust numecr [S TAXPAYER NUMBER On File INVESTMENT ACTIVITY LAST STATEMENT October 25, 2002 SETTLEMENT TRADE DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY DEBIT AMOUNT CREDIT AMOUNT 11/22/02 11/19/02 SOLD HOLUNGER INTERNATIONAL INC HLA -50,000 453,203.76 CLA UNSOLICITED SHORT TOTAL $453,203.76 DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRPTION DEBIT AMOUNT CREDIT AMOUNT 10/29/02 FND WIRED nny To 27,000.00 F 11/19/02 FUNDS REC FNDS WIRED TO CITIBANK FROM 636,340.00 TOTAL $-54,000.00 $19,041.875.00 MONEY FUND ACTIVITY DATE MOVDAY TRANSACTION DESCAIPTION SYMBOUCUSIP QUANTITY DEBIT AMOUNT CAEDIT AMOUNT 10/26/02 OPENINGBALANCE 3.815,194.24 OREYFUS CASH MANAGEME! INSTITUTIONAL SHARES 027 11/3002;14:25 001 veas EFTA00196579

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North 383 Madison Avenue Brocklyn, New York 11201-3859 STEARNS New York, New York 10179 Le FINANCIAL TRUST COMPANY INC 6 of? STATEMENT PERIOD October 26, 2002 THROUGH November 29, 2002 Transaction Detail (continued) account xumccr = TAXPAYER NUMBER On File MONEY FUND ACTIVITY (continued) LAST STATEMENT — October 25, 2002 DATE MO'DAY TRANSACTION DESCRIPTION SYMBOUCUSIP QUANTITY PRICE OEBIT AMOUNT CREDIT AMOUNT 11/01/02 DIVIDEND REECE CASH. MANAGEMENT-CL A DICKK 5,366.68 MONTHLY DIVIDEND DIVIDEND REINVESTED ‘BREVFUS'E NAGEMENT. INSTITUTIONAL SHARES 11/29/02 CLOSINGBALANCE 21,810.560.92 TOTAL $-18,005,366.68 $15,366.68 DIVIDENDS DATE DESCRIPTION SYMBOUCUSIP QUANTITY AATE ($) DEBIT AMOUNT CAEDIT AMOUNT 11/04/02 TYCO INTERNATIONAL LTD Ty 100,000 0.0125 1,250.00 REC 10/01/02 PAY 11/01/02 TOTAL $1,250.00 INTEREST DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) OEBIT AMOUNT CREDIT AMOUNT INTEREST ON CREDIT BALANCE 1.2500 11.78 11/21/02 INTEREST ONCREDIT BALANCE 0.7500 525.03 AT 0 3/4% 11/06 THRU 11/20 TOTAL $536.81 027 11/3002;14:25 001 véas EFTA00196580

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. One Metratech Center North 383 Madison Avenue Brooklyn, New York 11201-3859 STEARNS New York New York 10179 as | FINANCIAL TRUST COMPANY INC 7 of? STATEMENT PERIOD October 26, 2002 THROUGH November 29, 2002 Transaction Detail (continued) account numccr TAXPAYER NUMBER On File MISCELLANEOUS LAST STATEMENT October 25, 2002 DATE TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT JOURNAL JOURNAL FROM TYPE 110 2 230,000.00 TOTAL $-268.796.00 $268,796.00 f_™ {stop} **e*** End of Statement™***** VY 027 11/30102;14:25 001 veas EFTA00196581

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. One Metrotech Center North BEAR 383 Madison Avenue Brocklyn, New York 11201-3859 STEARNS New York. New York 10179 | | FINANCIAL TRUST COMPANY INC ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE wew.bearstearns.com What’s In This Statement Financial Summary , ' Your Portfolio Holdings . . Transaction Detail ......s.ssssesseresseeerees Fund Activity .,ssesssssserssnssessstenesvecanesnensaes ans w Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD 9,434,566 NET CREDIT BALANCE 21,674 MONEY MARKET FUND BALANCE 3,815,194 NET EQUITY LAST STATEMENT 14,260,070 CHANGE SINCE LAST STATEMENT -988,636 There are no “Stop Loss’ orders or other pending buy or sell open orders on file for your account. Bear, Stearns Securities Corp. STATEMENT PERIOD September 28, 2002 THROUGH October 25, 2002 accout nuvecr | PP | ery eed eee TAXPAYER NUMBER On File FINANCIAL TRUST COMPANY INC ast STATEMENT September 27, 2002 C/O AMERICAN YACHT HARBOR * 6100 RED HOOK SUITE B-3 QUARTERS #2 ST THOMAS VI 00802 Market Value of Your Portfolio $10,249,770 || Current market value $B] Last statement's market value Please report any diference or nomraceipt of checks or stocks, indicated as delivered to you, ‘This summary is for informational purposes only. It Is not intended as a tax document, % Client Senices at 800-634-1428; cr write to Clont Services at Boar, Steams Securities ‘This statemem should be retained for your records. See reverse side for important information. Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-3659. 027 10/26/02;10:31 001 ves? EFTA00196582

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2 of 6 STATEMENT BACKER IS PRINTED ON THIS PAGE 10/2602;10:31 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC EFTA00196583

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 3 of6 Cash Flow Analysis Income Summary THIS PERIOD THIS PERIOD YEAR TO DATE OpeningBalance $200,509.52 Dividends 5,403.95 937,693.56 . Credit Balance Int. 147.93 16,912.89 Dividends/Interest 147.93 Li Miscellaneous 917 Foreign Tax Withheld 0.00 -4.500.00 Amount Credited $5,561.05 Money Fund GA08.96 Portfolio Composition Fi i -178,993! unds Withdrawn 178,983.00 CashiCash Equivalent 3,836,868 Amount Debited $-184,396.95 Equities 9,434,566 Net Cook Aoshty hye ba6.90 ann nnn Cash Balance Summary OPENING CLOSING Cash 200,509.52 21,673.62 Net Cash Balance $200,509.52 $21,673.62 027 10/2602;10:31 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD September 28, 2002 THROUGH October 25, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT September 27, 2002 Your Portfolio Allocation Cash & Equivalent 29% Equities 71% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, ves? EFTA00196584

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 4 of6 Your Portfolio Holdings CASH & CASH EQUIVALENTS NAARKET ESTIMATED ANNUAL INCOME _YELD |X} DESCRETION SYMBOLICUSIP QUANTITY PRICE CASH BALANCE CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD September 28, 2002 THROUGH October 25, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT September 27, 2002 (QURRENT DREYFUS CASH MANAGEMENT-CLA ——DICKX 3,815,194.24 1.0000 3,815,194 64,858 1.7000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD _1,6600% TOTAL CASH & CASH EQUIVALENTS $3,836,868 $64,858 EQUITIES Equities & Options ACCT MARKET ESTIMATED QURFENT DESCRIPTION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YIELD |) FLEXTRONICS INTERNATIONAL FLEX CASH 100,000 8.4400 844,000 uD GALYANS TRADING INC GLYN CASH 150,000 10.6500 1,597,500 TYCO INTERNATIONAL LTD TYC CASH 100,000 15.4000 1,540,000 5,000 0.3247 VECTOR GROUP LTD VGR CASH 393,008 10.0500 3,949,730 628,813 15.9204 SENTIGEN HOLDING CP RSTD cas 333,334 4.5100 1,503,336 Total Equities& Options $9,434,566 $633,813 TOTAL EQUITIES $9,434,566 $633,813 YOUR TOTAL ESTIMATED ANNUAL INCOME $698,671 YOUR PRICED PORTFOLIOHOLDINGS $13,271,434 027 10/26/02;10:31 001 véa? EFTA00196585

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Steams Securities Corp. Bear, Stearns & Co. Inc. One Metratech Center North 383 Madison Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10179 5 of 6 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD September 28, 2002 THROUGH October 25, 2002 Transaction Detail accoust numecr [S TAXPAYER NUMBER On File DEPOSITS AND WITHDRAWALS LAST STATEMENT September 27, 2002 DATE TRANSACTION DESCRETION DEBIT AMOUNT CREDIT AMOUNT To01/02 FND WIRED WIRED TO 35,000.00 alas # i eo il 36°000°00 iREG Z [a | __— ils semana sian TOTAL $-178,993.00 MONEY FUND ACTIVITY DATE MO/DAY TRANSACTION DESCAIPTION SYMBOUCUSIP QUANTITY PRICE DEBIT AMOUNT CAEDIT AMOUNT 09/28/02 OPENINGBALANCE 3,809,790.29 REINVEST Re TEM AASE, MANAGEMENT-CL A DICXX 5,403.95 5,403.95 DIVIDEND REINVESTED 10/25/02 CLOSINGBALANCE 3,815,194.24 TOTAL $-5.403.95 $5,403.95 027 10/2602;10:31 001 vea? EFTA00196586

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Steams Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North BEAR 383 Madison Avenue Brocklyn, New York 11201-2859 STEARNS New York. New York 10179 fl Le FINANCIAL TRUST COMPANY INC 6 of6 STATEMENT PERIOO September 28, 2002 THROUGH October 25, 2002 Transaction Detail (continued) account xumccr = TAXPAYER NUMBER On File INTEREST LAST STATEMENT September 27, 2002 DATE DESCRIPTION SYMBOUCUSIF QUANTITY RATE (%) DEBIT AMOUNT CREDIT AMOUNT 10/21/02 INTEREST ONCREDIT BALANCE 1.2500 147.93 AT 1 1/4% 09/21 THRU 10/20 TOTAL $147.93 MISCELLANEOUS DATE MODAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 09/30/02 CASH-LIEU VECTOR GROUP LTD 9.17 CASH IN LIEU OF .70000 REC 09/20/02 PAY 09/27/02 TOTAL $9.17 stop] | ~*-*** Endot Statement™***** ‘\ A oz? 10/26/02;10:31 001 vea? EFTA00196587

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New = New York 10179 BEAR STEARNS ACCOUNT EXECUTIVE ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE — www.bearstearns.com What's In This Statement Financial Summary ,. . 3 Your Portfolio Holdings . » 4 Transaction Detail .....sscssseeenees 5 Fund ACtiVILY Autti 6 YOUr M@SSAQ@S ..,..sssssseressssessersenes 7 Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD 10,249,770 NET CREDIT BALANCE 200,510 MONEY MARKET FUND BALANCE 3,809,790 ee TT EY NET EQUITY LAST STATEMENT 14,987,083 CHANGE SINCE LAST STATEMENT -727,013 There are no "Stop Loss” orders or other pending buy or sell open orders on file for your account. Please mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securities Corp., One Metrolech Center North, Brooklyn, N.Y. 11201-3859, Equities $10,249,770 $10,931,710 FINANCIAL TRUST COMPANY INC C/O AMERICAN YACHT HARBOR * 6100 RED HOOK SUITE B-3 QUARTERS #2 ST THOMAS VI 00802 Market Value of Your Portfolio $4,010,300 $4,055,373 || Current market value $288] Last statements market value ‘This summary is for informational purposes only. It Is not intended as a tax document, CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOG August 31,2002 September 27, 2002 accout nuvecr TAXPAYER NUMBER On File THROUGH LAST STATEMENT August 30, 2002 Important Message Confirmation: Unless we hear from you to the contrary, it is our understanding that any free credit balances in your account are being maintained to facilitate your intention to invest such amounts through us. ‘This statemem should be retained for your records. See reverse side for important information, o27 092802;13:15 001 vea6 EFTA00196588

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2 of9 STATEMENT BACKER IS PRINTED ON THIS PAGE 09/2802;13:15 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC EFTA00196589

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 3 of9 Cash Flow Analysis Income Summary THIS PERIOD THIS PERIOD YEAR TO DATE OpeningBalance $52,403.73 Dividends 156,538.87 932,289.61 . Credit Balance Int. 388.19 16,764.96 Money Fund 206,821.27 sussenseseesennenssessssesssseneeeeeeennnnnnnneneessscee seseeenesees _ Dividends/Interest 150,105.79 Tete sancntsecessssaneeennetec eo oO vente MoT eee Foreign Tax Withheld 0.00 -4.500.00 ited $356,927.06 Amount Cr Money Fund 6,821.27 Funds Withdrawn 202,000.00 Portfolio Composition se nnn cashash Equivalent jot0.s00 Net Cash Activity 148,105.79 Equities 10,249,770 Cash Balance Summary OPENING CLOSING Cash 52,403.73 200,509.52 Net Cash Balance $52,403.73 $200,509.52 027 09/2802;13:15 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD August 31,2002 THROUGH September 27, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT August 30, 2002 Your Portfolio Allocation Cash & Equivalent 29% Equities 71% Unshaded portions denote debt balance andicr short market values, The allocation percentage is derived from the absohte market value of your portiatio. v6a6 EFTA00196590

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 4 a9 Your Portfolio Holdings CASH & CASH EQUIVALENTS NAABKET ESTIMATED — CURRENT DESCRETION SYMBOLICUSIP QUANTITY PRICE VALUE ANNUAL INCOME —_YELD (%} CASH BALANCE DREYFUS CASH MANAGEMENT-CL A DICKX 3,809,790.29 1.0000 3,809,790 64,766 1.7000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD_1,7000% TOTAL CASH & CASH EQUIVALENTS $4,010,300 $64,766 EQUITIES Equities & Options ACCT MARKET ESTIMATED QURFENT DESCRIPTION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YIELD |) FLEXTRONICS INTERNATIONAL FLEX CASH 100,000 7.2000 720,000 uD GALYANS TRADING INC GLYN CASH 150,000 10.0500 1,507,500 TYCO INTERNATIONAL LTD TYC CASH 100,000 14.4300 1,443,000 5,000 0.3465 VECTOR GROUP LTD VGR CASH 393,008 12.5000 4,912,600 628,813 12.8000 SENTIGEN HOLDING CP RSTD cas 333,334 5.0000 1,666,670 Total Equities& Options $10.249,770 $633,813 TOTAL EQUITIES $10,249,770 $633,813 YOUR TOTAL ESTIMATED ANNUAL INCOME $698,579 YOUR PRICED PORTFOLIOHOLDINGS $14,260,070 027 09/2802;13:15 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD August 31,2002 THROUGH September 27, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT August 30, 2002 v6a6 EFTA00196591

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 5 of9 Transaction Detail INVESTMENT ACTIVITY SETTLEMENT TRADE CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp One Metrotech Center North Brockln, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD August 31, 2002 THROUGH September 27, 2002 account numccr [IG TAXPAYER NUMBER On File LAST STATEMENT August 30, 2002 DATE DATE TRANSACTION DESCRIPTION QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 09/27/02 09/20/02 BOUGHT VECTOR GROUP LTD VGR 18,714 SEE NOTE "S" ON BACK STK DIV ON 374294 SHS REC 09/20/02 PAY 09/27/02 AS OF 09/20/02 TOTAL DEPOSITS AND WITHDRAWALS TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 09/04/02 FND WIRED 27,000.00 sssnsenesneensaneenesessanennennenes S00 i FND WIRED WES, IRED TO 100,000.00 TOTAL $-202,000.00 027 09728/02;13:18 001 v636 EFTA00196592

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North BEAR 383 Madison Avenue Brocklyn, New York 11201-2859 STEARNS New York, New York 10179 Le FINANCIAL TRUST COMPANY INC 6 of9 STATEMENT PERIOD August 31,2002 THROUGH September 27, 2002 Transaction Detail (continued) account xumccr = TAXPAYER NUMBER On File MONEY FUND ACTIVITY LAST STATEMENT — August 30, 2002 DATE MONDAY TRANSACTION, DESCAIPTION SYMBOUUSIF QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 08/31/02 OPENINGBALANCE 4,002,969.02 D SUS MONTHLY DIVIDEND INSTITUTIONAL SHARES INSTITUTIONAL SHARES . INSTITUTIONAL SHARES 160,000.00 “400,000 °°" 09/27/02 CLOSINGBALANCE 3,809,790.29 TOTAL $-6,821.27 $206,821.27 DIVIDENDS DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (8) OEBIT AMOUNT CREDIT AMOUNT 09/27/02 VECTOR GROUP LTD VGR 374,294 0.4000 149,717.60 REC 09/20/02 PAY 09/27/02 TOTAL $149,717.60 INTEREST DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) CERT AMOUNT CAEDIT AMOUNT 09/23/02 INTEREST ONCREDIT BALANCE 1.2500 388.19 AT 1 1/4% 08/21 THRU 09/20 TOTAL $388.19 o27 09/2802;13:15 001 v6a6 EFTA00196593

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BEAR STEARNS 7 oo OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New = New York 10179 Your messages ‘i Bear, Stearns Securities Corp, Net Capital and Net Capital Requirements: At May 31, 2002 and July 31, 2002, the Company's net capital of approximately $2.5 billion and $2.0 billion was approximately 7% and 6% of aggregate debit items and exceeded the minimum regulatory net capital requirement of approximately $679.9 million and $644.8 million by approximately $1.8 billion and $1.3 billion, all respectively. A complete copy of the Bear, Stearns Securities Corp, Statement of Financial Condition is available on the web site www.bearstearns.com_, Alternatively, to request a free printed copy please call -toll free 1-866-299-9331, CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOG August 31,2002 THROUGH September 27, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT August 30, 2002 ZT Securities and other assets in your account are the firm's collateral for any margin loan made to you, If the securities and other assets in your account decline in value, so does the value of the collateral supporting your loan, and, as a result, the firm can take action, such as issue a margin call and/or sell securities or other assets in any of your accounts held with the member, in order to maintain the required equity in the account, It is important that you fully understand the risks involved in trading securities on margin, These risks include the following: > You can lose more funds than you deposit in the margin account, > The firm can force the sale of securities or other assets in your account(s). > The firm can sell your securities or other assets without contacting you, > You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call, > The firm can increase its "house" maintenance margin requirements at any time and is not required to provide you advance written notice, > You are not entitled to an extension of time on a margin call, 027 09/2802;13:15 001 vea6 EFTA00196594

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BEAR STEARNS 8 of9 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New = New York 10179 ie This statement is provided to explain Bear, Stearns & Co, Inc.'s (‘BSC’) payment for order flow practices, BSC routes a majority of orders for customer securities transactions to the primary market for such securities, Orders may also be routed to other market service vendors that assure executions pursuant to complex mathematical formulas at better than the national best bid or best offer (NBBO), BSC receives no cash payment or other consideration for such order routing other than favorable executions or executions of limit orders at no additional charge. CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOG August 31,2002 THROUGH September 27, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT August 30, 2002 TZ Pursuant to SEC Rule 11Ac1-6, please note the following: Bear, Stearns & Co, Inc, will post its quarterly routing statistics at the following web link: http://www,bearstearns ,com/bearstearns/individualinvestor/equititesord erroutingpractices, htm Customers of Bear, Stearns & Co, Inc, may request information on any order executed within the prior six months from the time of the request. Specifically, you may request the identity of the venue to which the identified orders were routed for execution, whether the order was directed by you to that venue, and the time of the executions, if any, that resulted from such orders, o27 09/2802;13:15 001 vea6 EFTA00196595

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New = New York 10179 9 of9 ie The following account service fees will be charged to applicable accounts as of November 1, 2002: The service charge per transaction will be $5,00, Accounts transferred from Bear Steams will be charged a $75.00 account transfer fee. There will be a $50,00 fee for each stock certificate that is sent out in registered form at the customer's request, We strongly recommend against holding stock certificates in physical form due to the possibility of theft, loss or damage. CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD August 31,2002 THROUGH September 27,2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT August 30, 2002 TZ NOTICE OF CHANGE PURSUANT TO THE TRUTH IN LENDING SEC RULE 10b-16 Effective as of November 15, 2002, the annual rate of interest charged on any credit extended to you by Bear Stearns Securities for the purpose of purchasing, carrying or trading in any security or other property shall be based on either the Bear Stearns Margin Basis Rate, the Bear Stearns Securities Fed Funds Rate or the London Interbank Offering Rate ("LIBOR"). The Bear Stearns Margin Basis Rate will be quoted daily by Bear Stearns at our main office in New York, Factors affecting the determination of the Bear Stearns Margin Basis Rate will include the short-term market interest rates quoted by money center banks and the Federal Reserve and the rate that Bear Stearns is charged for borrowing money, The Bear Stearns Securities Fed Funds Rate is the rate for U.S, dollar funds, as quoted by an independent broker of such funds selected by Bear Stearns Securities for the last transaction completed prior to 9:30 a,m, (Eastern Time) on the business day 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 4% above either the Bear Stearns 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 Rate, the Bear Stearns Securities Fed Funds Rate or LIBOR, any changes in these rates will cause corresponding changes in the rate charged to your account, which changes will be made without prior notice to you, If for any other reason Bear Stearns Securities changes the rate of interest it charges you, we will give you at least 30 days prior notice, The "Statement of Interest Charges Pursuant to the "Truth-in-Lending” SEC Rule 10b-16" previously provided to you remains in effect except to the extent specifically amended by this notice, 027 09/2802;13:15 001 Ve3a6 EFTA00196596

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OFFICE SERVICING YOUR ACCOUNT BEAR STEARNS ACCOUNT EXECUTIVE = ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE What’s In This Statement www.bearstearns.com Financial Summary . . Your Portfolio Holdings . : Transaction Detail ......s.ssssseesesesseeerees ounf Ww Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD NET CREDIT BALANCE MONEY MARKET FUND BALANCE 10,931,710 52,404 4,002,969 NET EQUITY THIS PERIOD $14,987,083 NET EQUITY LAST STATEMENT CHANGE SINCE LAST STATEMENT 15,432,210 445,127 There are no "Stop Loss” orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securitios Comp., One Metrotech Center North, Brooklyn, N.Y. 11201-3859. Bear, Stearns & Co. Inc. 383 Madison Avenue New = New York 10179 FINANCIAL TRUST COMPANY INC C/O AMERICAN YACHT HARBOR * 6100 RED HOOK SUITE B-3 QUARTERS #2 ST THOMAS VI 00802 Market Value of Your Portfolio Equities $10,931,710 $9,199,255 : $-40,000 | | Current market value $238] Last statements market value (C] Short market value This summary is for informational purposes only. It Is mot intended as a tax document 027 08/31/02;13:23 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD July 27, 2002 August 30, 2002 accout nuvecr TAXPAYER NUMBER On File July 26, 2002 THROUGH LAST STATEMENT ‘This statemem should be retained for your records. See reverse side for important information. VS66 EFTA00196597

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2 of? STATEMENT BACKER IS PRINTED ON THIS PAGE 08/31/02;13:23 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC EFTA00196598

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 3 oF Cash Flow Analysis Cash Balance Summary THIS PERIOD OPENING CLOSING OpeningBalance $2,572,954.86 Cash 72,954.86 52,403.73 Money Fund 1,202,969.02 Margin 2,500,000.00 0.00 Dividends/Interest 1,707.62 Net Cash Balance $2,572,954.86 $52,403.73 Amount Cr ited $1,204.676.64 Securities Bought Money Fund -1,502,969.02 Income Summary Funds Withdrawn -62,000.00 THS PERIOD YEAR TO DATE suneessneesnssssenennentnentneeeesssoneeenennnesenness sess Dividends 2,969.02 775,750.74 Amount Debited __..secsreserreeereeeerers seo eee Credit Balance Int. 1,707.62 16,376.77 Total $4,676.64 | $792,127.51 Net Cash Activity -2,520,551.13 Foreign Tax Withheld 0.00 -4,500.00 Same day Yansters cf cash betwoon account types are not included in this section; such transfers, as well as details for all other transactions tis period, appear in Transaction Detail. Portfolio Composition Cash/Cash Equivalent 4,055,373 Equities 10,931,710 027 08/31/02;13:23 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD July 27, 2002 THROUGH August 30, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT July 26, 2002 Your Portfolio Allocation Cash & Equivalent— 28% — Equities 72% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, VS66 EFTA00196599

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 47 Your Portfolio Holdings CASH & CASH EQUIVALENTS NAARKET ESTIMATED (QURRENT DESCRIPTION SYMBOL/CUSIP QUANTITY PRICE ANNUAL INCOME YELD (%} CASH BALANCE DREYFUS CASH MANAGEMENT-CLA ——_DICXX 4,002,969.02 1.0000 4,002,969 68,050 1.7000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD_1,7300% TOTAL CASH & CASH EQUIVALENTS $4,055,373 $68,050 EQUITIES Equities & Options ACCT NAARKET ESTIMATED CURRENT DESCRIPTION SYMBOU'CUSIP TYPE QUANTITY PRIE VALUE ANNUAL INCOME YELD [%} FLEXTRONICS INTERNATIONAL FLEX CASH 100,000 9.4700 947,000 uD Meee cc cea ccna aa beeen Se agente TYCO INTERNATIONAL LTD TYC CASH 100,000 15.6900 1,569,000 5,000 0.3187 VECTOR GROUP LTD VGR CASH 374,294 13.9900 5,236,373 598,870 11.4367 SENTIGEN HOLDING CP RSTD | CASH 333,334 4.7500 ‘1,583,337 Total Equities& Options $10,931,710 $603,870 TOTAL EQUITIES $10,931,710 $603,870 YOUR TOTAL ESTIMATED ANNUAL INCOME $671,920 YOUR PRICED PORTFOLIOHOLDINGS $14,987,082 027 08/31/02;13:23 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD July 27, 2002 August 30, 2002 accout nuvecr TAXPAYER NUMBER On File July 26, 2002 THROUGH LAST STATEMENT VS66 EFTA00196600

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BEAR STEARNS 5 of? Transaction Detail INVESTMENT ACTIVITY SETTLEMENT TRADE DATE OATE TRANSACTION 08/21/02 EXPIRED a2 osi27i02" “JOURNAT oB/27/02 JOURNAL TOTAL DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRPTION 08/07/02 FND WIRED MDA; 08/20/02 FND WIRED MDA; osc woe OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 DESCRIPTION CALL TOO INC AUG 030CBOE EXP 08/17/2002 GALYANS TRADING INC UNSOLICITED AVG PRICE: DETAILS ON REQUEST AS OF 08/21/02 “GALYANS TRABING No" UNSOLICITED AVG PRII ETAILS ON REQUEST “GALVANS TRADING INC" JOURNAL FROM TYPE 2 TO 1 GALYANS TRADING INC JOURNAL FROM TYPE 2 TO 1 FNDS WIRED TO Fi soesenpgeupgsorennereneescaneennneesnussgeaz iss cenmrennmreg anna aise DEBIT AMOUNT 32,000.00 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD July 27, 2002 THROUGH August 30, 2002 accoust numecr [S TAXPAYER NUMBER On File LAST STATEMENT July 26, 2002 SYMBOLICUSIP QUANTITY PRICE 8903339H2 2,000 DEBIT AMOUNT {4.76490 “TBa7 Tai Ss" "86307756 GLYN 62,500 GLYN "62,500 $-2.160,258.75 CREDIT AMOUNT FINDS WIRED TO BANK FD; 30,000.00 TOTAL $-62,000.00 027 08/31102;13:23 001 VS66 CREDIT AMOUNT EFTA00196601

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North 383 Madison Avenue Brooklyn, New York 11201-3859 STEARN S — i 10179 6 of? , STATEMENT PERIOD July 27, 2002 FINANCIAL TRUST COMPANY INC THROUGH August 30, 2002 Transaction Detail (continued) TAXPAYER NUMBER On File MONEY FUND ACTIVITY LAST STATEMENT — July 26, 2002 DATE MOIDAY TRANSACTION DESCAIFTION SYMBOL/OUSIP QUANTITY PRIGE DEBIT AMOUNT CREDIT AMOUNT 07/27/02 OPENINGBALANCE 3,700,000 SUS OREVFUS CASH MANAGEMENT-CL a” BiCK “B00,000 °°" T0000 266,600:60 INSTITUTIONAL SHARES INSTITUTIONAL SHARES MONTHLY DIVIDEND INSTITUTIONAL SHARE: DIVIDEND PERNESTED 08/23/02 SOLD Ree GASE.MANAGEMEN z 2569.0 }00 08/30/02 CLOSINGBALANCE 4,002,969.02 TOTAL $-1,502,969.02 $1,202.969.02 DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) CERIT AMOUNT CAEDIT AMOUNT 08/21/02 INTEREST ONCREDIT BALANCE 1.2500 1,707.62 AT 1 1/4% 07/21 THRU 08/20 TOTAL $1,707.62 MISCELLANEOUS MO/DAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDXT AMOUNT O7/29/02 JOURNAL JOURNAL FROM TYPE 2TO 1 1,427,045.20 027 08/31/02;13:23 001 VS66 accout nuvecr EFTA00196602

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 7 ot? Transaction Detail (continued) MISCELLANEOUS (continued) TRANSACTION DESCRIPTION JOURNAL JOURNAL FROM TYPE 2 TO 1 JOURNAL JOURNAL FROM TYPE 270 1 $-1,636,922.50 CREDIT AMOUNT $1,636.922.50 (stop) ****** End of Statement*™***** / — 08/31/02;13:23 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD July 27, 2002 THROUGH August 30, 2002 accoust numecr [S TAXPAYER NUMBER On File LAST STATEMENT July 26, 2002 VE6E EFTA00196603

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OFFICE SERVICING YOUR ACCOUNT BEAR STEARNS ACCOUNT EXECUTIVE ZICHERMAN, IRA Bear, Stearns & Co. Inc. 383 Madison Avenue New = New York 10179 TELEPHONE VISIT OUR WEBSITE — www.bearstearns.com What's In This Statement Hasalbosslaslallanadil Financial Summary . . 8 FINANCIAL TRUST COMPANY INC Your Portfolio Holdings 4 C/O AMERICAN YACHT HARBOR * . . 6100 RED HOOK SUITE B-3 hawk ron etal . QUARTERS #2 UN Activity sessesssnenseestsreestneeseeree ST THOMAS VI 00802 Your Portfolio at a Glance Market Value of Your Portfolio TOTAL VALUE OF SECURITIES THIS PERIOD = 9,159,255 Cash & Equivalent a oes ono MONEY MARKET FUND BALANCE 3,700,000 $8,897,244 seeanenaseeneensss ss anseensnenssensennennsss) sennsenssanees: aeeeee | | Current market value Toe er sivtmmnrncrs ane HEI Last statement’s market value NET EQUITY LAST STATEMENT 14,860,324 CT] Short market velue CHANGE SINCE LAST STATEMENT 571,886 There are no “Stop Loss” orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr nee-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securities Corp., One Metrolech Center North, Brooklyn, N.Y. 11201-3859, CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD June 29, 2002 July 26, 2002 accout nuvecr TAXPAYER NUMBER On File dune 28, 2002 THROUGH LAST STATEMENT : $-40,000 : $-310,000 ‘This summary 5 for informational purposes only. It Is not intended as a tax document, ‘This statemem should be retained for your records. See reverse side for important information. 027 07/27102;17:22 001 VS65 EFTA00196604

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2 of? STATEMENT BACKER IS PRINTED ON THIS PAGE 07/27102;17:22 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC EFTA00196605

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 3 a7 Cash Flow Analysis Cash Balance Summary THIS PERIOD OPENING OpeningBalance $2,361,127.95 Cash 329,127.95 Securities Sold 136,253.24 Margin 2,032,000.00 Money Fund 26,677,775.53 Net Cash Balance $2,361,127.95 Funds Deposited 3,000,000.00 sos: sossos sueosbesssessesute" eueesbeosvesseseuseessed50 7 Dividends/Interest 4,149.63 Miscellaneous 23,201,750.00 Income Summary Amount Credited HS PERIOD Securities Bought -1,406,002.50 Dividends 63,724.48 Miscellaneous -25,000,000.00 Total asessseseesessnseresennenen BO each haesen suesnasensnsen ses saceusneesenenssssansencessncesscesasess anaes Foreign Tax Withheld 1.750.00 Net Cash Activity 211,826.91 Portfolio Composition Same day Yansfors of cash batwoon account types are not inchuded in this section; such transfers, as well as details for all other transactions this period, SHORT appear in Tramaaction Detail. Cash/Cash Equivalent Equities 40,000 CLOSING 72,954.86 2,500,000.00 $2,572,954.86 YEAR TO DATE 772,781.72 14,669.15 S787;450.87 LONG 6,272,955 9,199,255 027 07/27102;17:22 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD June 29, 2002 THROUGH July 26, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT June 28, 2002 Your Portfolio Allocation Cash & Equivalent, 40% Equities 59% Short Equities. <1% Unehaded portions denote debt balance andior short market values. The alocation percentage is derived from the absohte market value of your portloio, vS65 EFTA00196606

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 47 Your Portfolio Holdings CASH & CASH EQUIVALENTS NAABKET ESTIMATED — CURRENT DESCRETION SYMBOLICUSIP QUANTITY PRICE VALUE ANNUAL INCOME —_YELD (%} CASH BALANCE DREYFUS CASH MANAGEMENT-CL A DICKX 3,700,000 1.0000 3,700,000 62,900 1.7000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD_1,7000% TOTAL CASH & CASH EQUIVALENTS $6,272,955 $62,900 EQUITIES Equities & Options ACCT WAARKET ESTIMATED CURRENT DESCRIPTION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YELD [%} FLEXTRONICS INTERNATIONAL FLEX CASH 100,000 7.0300 703,000 uD a CALL TOOINC AUG 030CBOE TOOHF MRGN -2,000 0.2000 -40,000 EXP 08/17/2002 VECTOR GROUP LTD VGR CASH 374,294 15.4600 5,786,585 598.870 10.3493 SENTIGEN HOLDING CP ASTD | CASH 333,334 4.5200 1,506,670 Total Equities& Options $9,159,255 $603,870 TOTAL EQUITIES $9,159,255 $603,870 YOUR TOTAL ESTIMATED ANNUAL INCOME $666,770 YOUR PRICED PORTFOLIOHOLDINGS $15,432,209 027 O7/2702;17:22 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD June 29, 2002 THROUGH July 26, 2002 accoust numecr [S TAXPAYER NUMBER On File LAST STATEMENT June 28, 2002 VS65 EFTA00196607

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BEAR STEARNS 5 of? Transaction Detail INVESTMENT ACTIVITY SETTLEMENT = TRADE DATE OATE TRANSACTION 07/03/02 06/28/02 BOUGHT OFTG) OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 DESCRIPTION TYCO INTERNATIONAL LTD UNSOLICITED AS OF 06/28/02 EXP 08/17/2002 AVG PRICE SHOWN-DETAILS ON REQ ACTUAL CONFIRM TO YOUR AGENT OPEN CONTRACT UNSOLICITED AS OF 07/09/02 SYMBOLICUSIP TYC CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD June 29, 2002 THROUGH July 26, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT June 28, 2002 QUANTITY PRICE 100,000 14.00000 DEBIT AMOUNT 1,406,002.50 CREDIT AMOUNT 58 ONT RELTOOTN ERO BSS BOE es easanene se annennenney ios annennennaiaannnnnnnnennsssennennnnnnnnss seen seg EXPIRED CALL TOOINC JUL 030 890333964 2,000 EXP 07/20/2002 TOTAL $-1.406,002.50 $136,253.24 DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRETION DEBIT AMOUNT CREDIT AMOUNT 07/12/02 FUNDS REC FNDS WIRED TO CRANK FROM 3,000,000.00 TOTAL $3,000.000.00 MONEY FUND ACTIVITY DATE MavDAY TRANSACTION DESCAIPTION QUANTITY PRICE DEBIT AMOUNT CAEDIT AMOUNT 06/29/02 OPENINGBALANCE 3,911,952.06 DREYFUS CASH MANAGEMENT-CL A SHARES INSTITUTIONAL MONTHLY DIVIDEND 027 O7/27002;17:22 001 VS65 EFTA00196608

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North 383 Madison Avenue Brooklyn, New York 11201-3859 STEARN S — i 10179 6 of? FINANCIAL TRUST COMPANY INC STATEMENT PERIOD June 29, 2002 THROUGH July 26, 2002 Transaction Detail (continued) accouvt xumccr | TAXPAYER NUMBER On File MONEY FUND ACTIVITY (continued) LAST STATEMENT —_ June 28, 2002 DATE MOVDAY TRANSACTION DESCAIFTION SYMBOUCUSIF QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 07/01/02 REINVEST REECE CASH. MANAGEMENT-CL A DICKK 52,098.99 52,098.99 DIVIDEND REINVESTED ASS URNS 202 SOLS GREVFUS CASH MANAGEMENT-CL A BiCKK “000-000 "T6000 2'660:600.66 INSTITUTIONAL SHARES 0/02 SOLD PRE YEU GAS SH. MANAGEMENT: “rn DICK -1,395,000 1.0000 1,395,000.00 62 SOB OREVFUS CASH MANAGEMENT: INSTITUTIONAL SHARES 5/02 DIVIDEND VEUS CAS ASH MANAGEMENT we ™ BieKK , . {7625.49 Re 6a BOUGHT RACCEUS GASH MANAGEMENT-CL'A A “6000 07/26/02 CLOSINGBALANCE 3,700,000 TOTAL $-26,402,098.99 $26,677,775.53 DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) CERT AMOUNT CAEDIT AMOUNT 07/22/02 INTEREST ONCREDIT BALANCE 1.2500 4,149.63 AT 1 1/4% 06/21 THRU 07/20 TOTAL $4,149.63 027 O7/27002;17:22 001 vS65 EFTA00196609

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 7 ot? Transaction Detail (continued) MISCELLANEOUS DATE MOVDAY TRANSACTION DESCRIPTION DEBIT AMOUNT 07/01/02 JOURNAL FROM: XBIi }USD PER LOA * JRL * BOSE YSU RE E RHE BEN oi" svvnenenenenenssssanenenenenenensnsomnennnnnes 5H BO ‘ aiaasmesrenencreeeteenennses “OUERAT FRGHT BE BIST sroennenneentstetenennnns Bai seeewecsenen CREDIT AMOUNT 23,200,000.00 ADR RCLMS PER REQ FROM J.EPSTEIN 07/12/02 JOURNAL JOURNAL FROM TYPE 1102 131,746.76 TOTAL $-48,131,746.76 $46,333,.496.76 /—™, [stop] ****** End of Statement****** 027 07/27102;17:22 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD June 29, 2002 THROUGH July 26, 2002 accoust numecr [S TAXPAYER NUMBER On File LAST STATEMENT June 28, 2002 VE65 EFTA00196610

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE wew.bearstearns.com What’s In This Statement Financial Summary . . Your Portfolio Holdings . . Transaction Detail ......s.ssessssesesessseesees Trades Not Yet Settled ..0......sssseseseessees oonuw Fw Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD NET CREDIT BALANCE 2,361,128 MONEY MARKET FUND BALANCE 3,911,952 NET EQUITY LAST STATEMENT 57,795,103 CHANGE SINCE LAST STATEMENT -42,934,779 There are no “Stop Loss’ orders or other pending buy or sell open orders on file for your account. Please report any difference or nomrecaipt of checks or stocks, indicated as delivered to you, % Client Senices at 800-634-1428; or write to Clont Services at Bear, Steams Securities Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-3859. CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOO June 1, 2002 THROUGH ACCOUNT NUMBER TAXPAYER NUMBER On File LAST STATEMENT FINANCIAL TRUST COMPANY INC C/O AMERICAN YACHT HARBOR * 6100 RED HOOK SUITE B-3 QUARTERS #2 ST THOMAS VI 00802 Market Value of Your Portfolio 2.507.244 cons Concent IMM REET ce gue 057154 Equities Se : $-310,000 $12,057,949 : $-320,000 | | Current market value GB] Last statements market value [J Short market value This summary is for informational purposes only. It Is mot intended as a tax document This statement should be retained for your records. See reverse side for important information 027 06/29102;10:49 001 vS63 EFTA00196611

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2 of9 STATEMENT BACKER IS PRINTED ON THIS PAGE 06/2902;10:49 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC EFTA00196612

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 3 of9 Cash Flow Analysis THIS PERIOD OpeningBalance $110,868. 36 Securities Sold 2,085,531.65 Money Fund 42,165,666.11 Dividends/Interest 199,730.44 Miscellaneous 4,687.50 Amount Cr ited Securities Bought -110,002.50 Money Fund -65.666.11 Funds Withdrawn -41,000,000.00 Dividends/Interest Charged -18,750.00 Miscellaneous -10.937.50 Net Cash Activity 2,250,259.59 Clo; ing Balance $2,361,127.95 Same day ransiers of cash between account types are not included in this section; such transfers, as well as details for all other transactions this period, appear in Transaction Detail Cash Balance Summary OPENING Cash 110,868.36 Margin 0.00 CLOSING 329,127.95 2,032,000.00 Net Cash Balance $110,868.36 Income Summary THS PERIOD Dividends 240,383.71 Credit Balance Int. 6,262.84 Foreign Tax Withheld -6,250.00 Portfolio Composition SHORT Cash/Cash Equivalent Equities 310,000 $246,646.55 $2.361,127.95 YEAR TO DATE 709,057.24 10,519.52 3719576.78 LONG 6,273,080 8,897,244 027 06/2902;10:49 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD June 1, 2002 THROUGH June 28, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT May 31, 2002 Your Portfolio Allocation Cash & Equivalent, 41% Equities 57% Short Equities 2% Unehaded portions denote debt balance andior short market values. The alocation percentage is derived from the absohte market value of your portloio, vS63 EFTA00196613

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 4 a9 Your Portfolio Holdings CASH & CASH EQUIVALENTS ESTIMATED (QURRENT DESCRIPTION SYMBOL/CUSIP QUANTITY PRICE VALUE ANNUAL INCOME YELD (%} CASH BALANCE DREYFUS CASH MANAGEMENT-CLA ——DICXX 3,911,952.06 1.0000 3,911,952 70,415 1.8000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD_1,8000% TOTAL CASH & CASH EQUIVALENTS $6,273,080 $70,415 EQUITIES Equities & Options ACCT NAARKET ESTIMATED CURRENT DESCRIPTION SYMBOUCUSIP TYPE QUANTITY PRIE VALUE ANNUAL INCOME YELD [%} FLEXTRONICS INTERNATIONAL FLEX CASH 100,000 7.1300 713,000 uD SESSILIS SN EXP 07/20/2002 VECTOR GROUP LTD VGR CASH 374,294 17.6000 6,587,574 SENTIGEN HOLDING CP RSTD |] CASH 333,334 4.7900 1,596,670 Total Equities& Options $8,587,244 $598,870 TOTAL EQUITIES $8,587,244 $598,870 YOUR TOTAL ESTIMATED ANNUAL INCOME $669,285 YOUR PRICED PORTFOLIOHOLDINGS $14,860,323 027 06/29'02;10:49 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD June 1, 2002 June 28, 2002 accoust numecr [S TAXPAYER NUMBER On File May 31, 2002 THROUGH LAST STATEMENT VS63 EFTA00196614

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Steams Securities Corp. Bear, Stearns & Co. Inc. One Metratech Center North 383 Madison Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10179 fl FINANCIAL TRUST COMPANY INC 5 of9 STATEMENT PERIOD June 1, 2002 THROUGH dune 28, 2002 Transaction Detail account wucce | TAXPAYER NUMBER On File INVESTMENT ACTIVITY LAST STATEMENT = May 31, 2002 SETTLEMENT TRADE DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 06/10/02 06/05/02 BOUGHT FLEXTRONICS INTERNATIONAL FLEX 100,000 11.10000 1,110,002.50 LID UNSOLICITED WE MAKE A MKT IN THIS SECURITY REPORTED PRICE 11,040000 DIFFERENCE + 0,060000 06/17/02 06/12/02 SOLD CNH GLOBAL i | CNH -250,000 4.00280 988,167.37 AVG PRICE SHOWN-DETAILS ON REQ ACTUAL CONFIRM TO YOUR AGENT UNSOLICITED 06/19/02 06/14/02 SOLD CHARLES SCHWAB CORP NEW SCH -100,000 11.03400 1,097,364.28 AVG PRICE SHOWN-DETAILS ON REQ ACTUAL CONFIRM TO YOUR AGENT UNSOLICITED TOTAL $-1,110,002.50 $2,085,531.65 DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRPTION DEBIT AMOUNT CREDIT AMOUNT 06/04/02 FND WIRED MD ENDS WIRED TO 1,000,000.00 O6/138102 END WIRED MOAH NGS WIRED 16 4,666,660:00 027 06/2902;10:49 001 V563 EFTA00196615

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 6 of9 Transaction Detail (continued) DEPOSITS AND WITHDRAWALS (continued) DATE TRANSACTION DESCRPTION DEBIT AMOUNT 1,000,000.00 06/28/02 FND WIRED MDA; CREDIT AMOUNT TOTAL $-41,000,000.00 MONEY FUND ACTIVITY DATE MODAY TRANSACTION: DESCAIPTION SYMBOUCUSIP 06/01/02 OPENINGBALANCE osiosios DIVIBEND RAE VEUS CASH MANAGENENT-C co BicKK MONTHLY DIVIDEND QUANTITY 45,946,285.95 PRICE CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD June 1, 2002 THROUGH June 28, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT May 31, 2002 CEBIT AMOUNT CAEDIT AMOUNT "65,666.14 DIVIDEND REINVESTED INSTITUTI ONAL S oeiosi6s"" SOLS BAEVFUS Casi ‘ince a INSTITUTIONAL SHARES Rar ASS NCE MENT o6/24i02"" SOLD OREVFUS CASH MANAGEMENT-CL A” INSTITUTIONAL SHARES O6/2602"" SOLE RAC FUS GASH MANAGEMENT-CL'A o6i2702"" SOLE GREVFUS CASH MANAGEMENT-CL A Rent HaNA SAS oéi2e02" SOLD DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES “3.000000” “3.000.000” "F000:000" 716000 76000 3'660:600.00 2'000,000:06 3.000,000.06 1060,660°00 027 06/2902;10:49 001 vS63 EFTA00196616

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BEAR STEARNS 7 of9 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 Transaction Detail (continued) CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD June 1, 2002 THROUGH June 28, 2002 accoust numecr [S TAXPAYER NUMBER On File MONEY FUND ACTIVITY (continued) LAST STATEMENT = May 31, 2002 DATE MO'DAY TRANSACTION DESCAIPTION SYMBOUCUSIP QUANTITY PRICE CEBIT AMOUNT (CREDIT AMOUNT 06/28/02 CLOSINGBALANCE 3.911,952.06 TOTAL $-65,666.11 $42,165,666.11 DIVIDENDS DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE ($) OEBIT AMOUNT CREDIT AMOUNT 06/03/02 CNHGLOBAL J CNH 250,000 0.0750 18,750.00 REC 05/20/02 PAY 06/03/02 WH 4,687.50 FOREIGN TAX WITHHELD a AD 05/20 PD 06/03 AT .07500 CSH DIV ON 250000 SHS REVERSE 5/20 DIV FOR RATE ADJ TO .100 Oeaaio2 CNA GLOBAL meneeee' "35 000.00 AD 05/20 PD 06/03 AT .10000 CSH DIV ON 250000 SHS 6/3/02 DIV PMT RATE ADJ TO .10 O6/28102 VECTOR GROUP LTD 374.294 "0.4000 "49,717.60 REC 06/24/02 PAY 06/28/02 TOTAL $-23,437.50 $193,467.60 o27 06/2902;10:49 001 VS63 EFTA00196617

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 8 os Transaction Detail (continued) CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD June 1, 2002 THROUGH June 28, 2002 accoust numecr [S TAXPAYER NUMBER On File INTEREST LAST STATEMENT May 31, 2002 DATE DESCRIPTION SYMBOUIOUSIF QUANTITY RATE [%) DEBIT AMOUNT CAEDIT AMOUNT 06/26/02 INTEREST ONCREDIT BALANCE 1.2500 6,262.84 AT 1 1/4% 05/21 THRU 06/20 TOTAL $6,262.84 MISCELLANEOUS DATE MOvDAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 06/04/02 JOURNAL CNH GLOBAL § 6,250.00 RD 05/20 PD 06/03 AT ,25000 OIMV/INT WHLD 6/3/02 DIV PMT RATE ADJ TO 10 a Meio <tc) Meieeeeneeibmememeiammeiioniy . ci RD 05/20 PD 06/03 AT ,25000 OIMV/INT WHLD REVERSE 5/20 DIV FOR RATE ADJ TO ,100 even mmemennnen acne yeaa sennnnnnennnssnnannnnnnnn etn reciente $-2,038,250.00 $2,036,687.50 oz? 06/29102;10:49 001 V563 EFTA00196618

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BEAR STEARNS 9 of9 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 Trades Executed Pending Settlement SETTLEMENT — TRADE DATE DATE 07/03/02 06/28/02 TOTAL TRANSACTION iH DESCRIPTION YCO INTERNATIONAL L' The above trades do not appear in any other section of this statement SYMBOLCUSIP Y' 027 QUANTITY PRICE 100,000.00 06/2902;10:49 001 14 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD June 1, 2002 June 28, 2002 accoust numecr [S TAXPAYER NUMBER On File May 31, 2002 THROUGH LAST STATEMENT DEBIT AMOUNT 1.406,002.50 $1,406,002.50 VS63 CREDIT AMOUNT $0.00 EFTA00196619

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Steams Securities Cop Bear, Stearns & Co. Inc. One Metratech Center North BEAR 383 Madison Avenue Brocklyn, New York 11201-2859 STEARNS New York, New York 10179 | | FINANCIAL TRUST COMPANY INC ACCOUNT EXECUTIVE ZICHERMAN,IRA STATEMENT PERIOD April 27,2002 TELEPHONE THROUGH May 31,2002 VISIT OUR WEBSITE www.bearstearns.com A Fi account numccr What's In This Statement Vaal deseloelslleaeselil TAXPAYER NUMBER On File FINANCIAL TRUST COMPANY INC LAST STATEMENT April 26, 2002 Financial Summary ,. : 3 Your Portfolio Holdings . . 4 soma heoe cutee. etn Detai QUARTERS #2 u iY sescnesenseneecusnoescuensssenennenenians ST THOMAS VI 00802 Your Portfolio at a Glance Market Value of Your Portfolio 154 NET CREDIT BALANCE 110,868 Equities _—— $12,057,949 : $-320,000 MONEY MARKET FUND BALANCE 45,946,286 $42,610,659 : $-420,000 euseenseee HE Current market value NET EQUITY THIS PERIOD $57,795,103 {8] Last statement's market value daneereaieees [[) Short market value NET EQUITY LAST STATEMENT 100,364,395 CHANGE SINCE LAST STATEMENT -42,569,291 There are no “Stop Loss’ orders or other pending buy or sell open orders on file for your account. Please report any diference or nomreceipt of checks or stocks, indicated as delivered to you, ‘This summary §s for informational purposes only. It Is not intended as a tax document, % Client Senices at 800-634-1428; cr write to Clant Services at Boar, Steams Securities ‘This statemem should be retained for your records. See reverse side for important information. Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-9869. 027 06/01102;15:46 001 vs59 EFTA00196620

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2 of8 STATEMENT BACKER IS PRINTED ON THIS PAGE 0601/02;15:46 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC EFTA00196621

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR STEARNS 3 of8 383 Madison Avenue Cash Flow Analysis THIS PERIOD OpeningBalance $515,219. 52 Securities Sold 18,637,433.33 Money Fund 29,287,770.03 Funds Deposited 10,000,000.00 Dividends/Interest 908.01 Amount Cr ited $57.926,111.37 Securities Bought 142,692.50 Money Fund -17,487,770.03 Funds Withdrawn -39,000,000.00 Miscellaneous -700,000.00 Amount Debited Net Cash Activity -404,351.16 Same day Yansters cf cash betwoon account types are not inckuded in this section; such transfers, as well as details for all other transactions tis period, appear in Transaction Detail, Cash Balance Summary OPENING CLOSING Cash 515,219.52 110,868.36 Net Cash Balance $515,219.52 $110,868.36 New York, New York 10179 Income Summary THiS PERIOD YEAR TO DATE Dividends 87,770.03 468,673.53 Credit Balance Int. 908.01 Total $88,678.04 $472,930.21 Portfolio Composition SHORT LONG Cash/Cash Equivalent 46,057,154 Equities 320,000 12,057,949 Total $320,000 =e 899,115,103 027 0601/02;15:46 001 Cash & Equivalent— . 79% CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOO April 27,2002 THROUGH May 31,2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT April 26, 2002 Your Portfolio Allocation Equities 20% Short Equities | <1% Unehaded portions denote debt balance andior short market values. The alocation percentage is derived from the absohte market value of your portloio, vss9 EFTA00196622

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 4 of8 Your Portfolio Holdings CASH & CASH EQUIVALENTS NAABKET ESTIMATED — CURRENT DESCRETION SYMBOLICUSIP QUANTITY PRICE VALUE ANNUAL INCOME —_YELD (%} CASH BALANCE DREYFUS CASH MANAGEMENT-CL A DICKX 45,946,285.95 1.0000 45,946,286 827,033 1.8000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD _1,7800% TOTAL CASH & CASH EQUIVALENTS $46,057,154 $827,033 EQUITIES Equities & Options ACCT WAARKET ESTIMATED CURRENT DESCRIPTION SYMBOU'CUSIP TYPE QUANTITY PRIE VALUE ANNUAL INCOME YELD [%} CNH GLOBAL [i CNH CASH 250,000 5.5500 ‘1,387,500 18,750 1.3514 CHARLES SCHWAB CORP NEW SCH 1,209,000 0.3639 CALL TOOINC JUL 030°" TOOGF MRGN -320,000 EXP 07/20/2002 VECTOR GROUP LTD VGR CASH 374,294 20.3800 7,628,112 598.870 SENTIGEN HOLDING CP ASTD | CASH 333,334 5.5000 1,833,337 Total Equities& Options $11,737,949 $622,020 TOTAL EQUITIES $11.737.949 $622,020 YOUR TOTAL ESTIMATED ANNUAL INCOME $1,449,053 YOUR PRICED PORTFOLIOHOLDINGS $57,795,103 027 06/01/02;15:46 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD April 27,2002 THROUGH May 31, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT April 26, 2002 v559 EFTA00196623

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Beas, Stearns Securities Corp. Bear, Stearns & Co. Inc. One Metratech Center North 383 Madison Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10179 | | FINANCIAL TRUST COMPANY INC 5 of6 STATEMENT PERIOD April 27,2002 THROUGH May 31, 2002 Transaction Detail account wucce | TAXPAYER NUMBER On File INVESTMENT ACTIVITY LAST STATEMENT — April 26, 2002 SETTLEMENT TRADE DATE OATE TRANSACTION OESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT Os/16/02 05/13/02 BOUGHT CHARLES SCHWAB CORP NEW SCH 700,000 11.36690 7.142,692.50 AVG PRICE SHOWN-DETAILS ON REQ ACTUAL CONFIRM TO YOUR AGENT UNSOLICITED a OK 41 ensesenenensesssseaen BEER TS IR ee rretatreetaareseeeseeenneeenennnecnensessanuaasaaneennnnnences ees DEL TO 00901 osi20i02""" JOURNAT CALE TOG INC MAY O30 CBSE 8903339E9 EXP 05/18/2002 AE QTOOEF ASSIGNED 00648 oseties DELIVERED TOO NC 65 “450,000 DEL TO 00901 “725,000 SENG [stata 7 Jui I EXP 07/20/2002 UNSOLICITED OPEN CONTRACT TOTAL $-1,142,692.50 $18.637,433.33 DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRPTION DEBIT AMOUNT CREDIT AMOUNT 04/29/02 FND WIRED MDA. FNDS WIRED TO 10,000,000.00 (29/02 FND WIRED MDA; IOS WIRED TO 10,000,000.00 027 06/01/02;15:46 001 v559 EFTA00196624

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Steams Securities Corp. Bear, Stearns & Co. Inc. ne Metrotech Center North 383 Madison Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10179 FINANCIAL TRUST COMPANY INC 6 of8 STATEMENT PERIOD April 27,2002 THROUGH May 31, 2002 Transaction Detail (continued) accouvt xumccr | TAXPAYER NUMBER On File DEPOSITS AND WITHDRAWALS (continued) LAST STATEMENT — April 26, 2002 DATE TRANSACTION DESCRETION DEBIT AMOUNT CREDIT AMOUNT Aa ee er 0,980 500:99 eT... vs su rennin REG # Fi EST ee i 1000°6 TT aa 0,000,000.00°—°—— TOTAL $-39.000.000.00 $10,000.000.00 DATE MO/DAY TRANSACTION DESCAIPTION SYMBOUCUSIP QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 04/27/02 OPENINGBALANCE 57,658,515.92 INSTITUTIONAL SHARES REN “ence “EXSETAANAGEMIENTIOL Bn Be INSTITUTIONAL SHARES MONTHLY DIVIDEND peste SHARES DIVIDEND REINVESTED euangeser eng yi eeneuannneecenouuans es eoqanegeegegenangar uy AURUn RY epee te eeececneuunnuneecenag oy qgpeuuaannecegceqgny 111 ¢euaan INSTITUTIONAL SHARES INVES! CEMENT: 027 06/01/02;15:46 001 v559 EFTA00196625

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North 383 Madison Avenue Brocklyn, New York 11201-3859 STEARNS New York, New York 10179 | | FINANCIAL TRUST COMPANY INC 7 of6 STATEMENT PERIOO April 27,2002 THROUGH May 31, 2002 Transaction Detail (continued) accouvt xumccr | TAXPAYER NUMBER On File MONEY FUND ACTIVITY (continued) LAST STATEMENT — April 26, 2002 DATE MOrDAY TRANSACTION DESCAIPTION SYMBOUCUSIP QUANTITY PRICE DeSIT AMOUNT CAEDIT AMOUNT 05/08/02 SOLD REE, GASH.MANAGEMENT-CL A DICK -1,000,000 1.0000 1,000,000.00 OS! OREYFUS CASH MANAGEMEN INSTITUTIONAL SHARES Rett RRR SEMEN CoA” INSTITUTIONAL SHARES 000 i) 1:200,000:66 "F.000-000"°" "T6567 7066/660.66 A 05/31/02 CLOSINGBALANCE 45,946.285.95 TOTAL $-17.487.770.03 $29,287.770.03 INTEREST DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) CERT AMOUNT CAEDIT AMOUNT 05/21/02 INTEREST ONCREDIT BALANCE 1.2500 908.01 AT 1 1/4% 04/21 THRU 05/20 TOTAL $908.01 MISCELLANEOUS DATE MOIDAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 08/02/02 JOURNAL 400,000.00 *JOURNAT 300,000°06 osioaioa™” PER LOA FN FROM TEI 027 06/01/02;15:46 001 v559 EFTA00196626

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 8 of6 Transaction Detail (continued) MISCELLANEOUS (continued) DATE MO'DAY TRANSACTION DESCRIPTION DEBIT AMOUNT 05/31/02 JOURNAL JOURNAL FROM TYPE 210 1 05/31/02 JOURNAL JOURNAL FROM TYPE 2T0 1 2,489,002.63 TOTAL $-5,025,027.63 (stor) ****** End of Statement™***** / oz? CREDIT AMOUNT 2,489,002.63 $4,325,027.63 06/01/02;15:46 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD April 27,2002 THROUGH May 31, 2002 accoust numecr [S TAXPAYER NUMBER On File LAST STATEMENT April 26, 2002 v559 EFTA00196627

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE What’s In This Statement www.bearstearns.com Financial Summary , ' Your Portfolio Holdings . . Transaction Detail ......ssesseseresseeerees Fund Activity ..ssssssssrssssrsneeseesesnsnaceseensens our Ww Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD NET CREDIT BALANCE 42,190,659 515,220 MONEY MARKET FUND BALANCE 57,658,516 NET EQUITY THIS PERIOD $100,364,395 NET EQUITY LAST STATEMENT 107,353,290 CHANGE SINCE LAST STATEMENT 6,988,896 There are no “Stop Loss’ orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securities Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-3869. CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOO March 29, 2002 April 26, 2002 accout nuvecr TAXPAYER NUMBER On File March 28, 2002 THROUGH LAST STATEMENT FINANCIAL TRUST COMPANY INC C/O AMERICAN YACHT HARBOR 6100 RED HOOK SUITE B-3 QUARTERS #2 ST THOMAS VI 00802 * Market Value of Your Portfolio || Current market value 173.736 Cash & E lent $42,610.659 : $-420,000 $45,140,979 ERB] Last statements market value (Short market value This summary is for informational purposes only. It Is mot intended as a tax document This statement should be retained for your records. See reverse side for important information 027 04/27102;12:01 001 vss? EFTA00196628

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2 of? STATEMENT BACKER IS PRINTED ON THIS PAGE 04/27102;12:01 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC EFTA00196629

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a Cash Flow Analysis Income Summary THIS PERIOD mas Penaoo OpeningBalance $451,677.38 Dividends 97,882.18 . Credit Balance Int. 312.57 Securities Sold 413,229.57 sess aunenenensnenenenenensessanenenenenenteeneneneses san Money Fund 4,297,882.18 TOR as sssesnteeesssecnteeesense eee eee Funds Deposited 50,000.00 Dividends/Interest 312.57 Amount Cr ited $4,761 424.32 Portfolio Composition SHORT Money Fund 97,882.16 Cash/Cash Equivalent Funds Withdrawn -3,000,000.00 Equities 420,000 Miscellaneous ~1,600,000.00 ss saunnunnnusssssennneenssssanennnnnnnneneseseeenses ssesesnenenconsessaenuanensonanensoneness ss sonenssnansoeaneneoesss Total cccsssssssserseseusseseeneeeed 420;000 Amount Debited Net Cash Activity Cash Balance Summary OPENING CLOSING Cash 451,677.38 $15,219.52 Net Cash Balance $451,677.38 $515,219.52 027 YEAR TO DATE 380,903.50 3,348.67 LONG 58,173,736 42,610,659 04/27102;12:01 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC 3 of? STATEMENT PERIOG March 29, 2002 THROUGH April 26, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT March 28, 2002 Your Portfolio Allocation Equities 42% Short Equities <1% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, vss7 EFTA00196630

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 47 Your Portfolio Holdings CASH & CASH EQUIVALENTS NAABKET ESTIMATED — CURRENT DESCRETION SYMBOLICUSIP QUANTITY PRICE VALUE ANNUAL INCOME —_YELD (%} CASH BALANCE DREYFUS CASH MANAGEMENT-CL A bICcX 57,658,515.92 1.0000 57,658,516 1,095,512 1.9000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD 1, 8500% TOTAL CASH & CASH EQUIVALENTS $58,173,736 $1,095,512 EQUITIES Equities & Options ACCT WAARKET ESTIMATED CURRENT DESCRIPTION SYMBOU'CUSIP TYPE QUANTITY PRIE VALUE ANNUAL INCOME YELD [%} CNH GLOBAL CNH CASH 250,000 5.3600 1,340,000 18,750 1.3993 TOO INC TOO CASH 1,050,000 29.3000 30,765,000 CALL TOOINC MAY 030CBOE TOOEF 0.7000 -420,000 EXP 05/18/2002 VECTOR GROUP LTO vGR CASH 374,294 22.6800 —-8,488,988 598.870 SENTIGEN HOLDING CP ASTD | CASH 333,334 6.0500 2,016,671 Total Equities& Options $42,190,659 $617,620 TOTAL EQUITIES $42,190,659 $617,620 YOUR TOTAL ESTIMATED ANNUAL INCOME $1,713,132 YOUR PRICED PORTFOLIOHOLDINGS $100,364,394 027 04/27102;12:01 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD March 29, 2002 THROUGH April 26, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT March 28, 2002 VS67 EFTA00196631

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BEAR STEARNS 5 of? Transaction Detail INVESTMENT ACTIVITY SETTLEMENT TRADE DATE OATE TRANSACTION 04/18/02 04/17/02 SOLD 04/23/02 "04/22/02 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 DESCRIPTION CALL TOO INC = MAY O30CBOE EXP 05/18/2002 UNSOLICITED OPEN CONTRACT CALL TOOINC MAY O30CBOE EXP 05/18/2002 UNSOLICITED OPEN CONTRACT AS OF 04/18/02 CALL TOOINC MAY O30CBOE EXP 05/18/2002 UNSOLICITED OPEN CONTRACT SYMBOLICUSIP QTOOEF QTOOEF QUANTITY PRICE -500 1.30500 6:78000 0.50500 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD March 29, 2002 THROUGH April 26, 2002 accoust numecr [S TAXPAYER NUMBER On File LAST STATEMENT March 28, 2002 DEBIT AMOUNT CREDIT AMOUNT 63,495.53 B53, 739'58 95,994.45 TOTAL DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRETION 04/04/02 FND WIRED 04/18/02 FUNDS REC TOTAL FNOS WIRED TO CITIBANK FROM BANK $0,000.00 DEBIT AMOUNT 2,000,000.00 $-3.000,000.00 CREDIT AMOUNT $50,000.00 04/27/02;12:01 001 $413,229.57 VS67 EFTA00196632

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. One Metratech Center North 383 Madison Avenue Brooklyn, New York 11201-3859 STEARNS a" 10179 6 of? FINANCIAL TRUST COMPANY INC STATEMENT PERIOD March 29, 2002 THROUGH April 26, 2002 Transaction Detail (continued) TAXPAYER NUMBER On File MONEY FUND ACTIVITY LAST STATEMENT — March 28, 2002 DATE MOVDAY TRANSACTION DESCAIPTION SYMBOUCUSIP QUANTITY PRICE DeSIT AMOUNT CAEDIT AMOUNT 03/29/02 OPENINGBALANCE 61,760,633.74 SUS MONTHLY DIVIDEND INSTITUTIONAL SHARE: INSTITUTIONAL SHARES INSTITUTIONAL SHARES allel ce a INSTITUTIONAL SHAHES 700,000:060 }00 04/26/02 CLOSINGBALANCE 57,658,515.92 TOTAL $-97,882.18 $4,297,882.18 DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) CEBIT AMOUNT CAEDIT AMOUNT 04/22/02 INTEREST ONCREDIT BALANCE 1.2500 312.57 AT 1 1/4% 03/21 THRU 04/20 TOTAL $312.57 027 04/27102;12:01 001 VS67 accout nuvecr EFTA00196633

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 7 of? Transaction Detail (continued) MISCELLANEOUS DATE MOVDAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 04/09/02 JOURNAL 1,100,000.00 02 JOURNAL "500,000.00 TOTAL $-1,600,000.00 / [stop] **e*** End of Statement****** 027 04/27/02;12:01 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD March 29, 2002 THROUGH April 26, 2002 accoust numecr [S TAXPAYER NUMBER On File LAST STATEMENT March 28, 2002 VSS7 EFTA00196634

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BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New = New York 10179 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steans Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC ACCOUNT EXECUTIVE ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE + wnw.bearstearns.com What's In This Statement Financial Summary , 3 Your Portfolio Holdings . . 4 Transaction Detail .....usssseeeenees 5 Fund Activity ,, ’ 5 Your Messages 7 Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD 45,140,979 NET CREDIT BALANCE 451,677 MONEY MARKET FUND BALANCE 61,760,634 av cau nus pumoo "$107,885.00 NET EQUITY LAST STATEMENT 88,052,843 CHANGE SINCE LAST STATEMENT 19,300,447 There are no “Stop Loss” orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securities Comp., One Metrotech Center North, Brooklyn, N.Y. 11201-3859. STATEMENT PERIOD February 23,2002 March 28, 2002 accouvt nuvecr TAXPAYER NUMBER On File February 22,2002 THROUGH FINANCIAL TRUST COMPANY INC C/O AMERICAN YACHT HARBOR * 6100 RED HOOK SUITE B-3 QUARTERS #2 ST THOMAS VI 00802 LAST STATEMENT Market Value of Your Portfolio soos Cash & Equivalen ash & Equivalent $44,847,055 Equities $45,140,979 $43,205,788 | | Current market value 238] Last statements market value ‘This summary is for informational purposes only. It Is not intended as a tax document, ‘This statemem should be retained for your records. See reverse side for important information. 027 03/2902;20:33 001 vs55 EFTA00196635

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2 of? STATEMENT BACKER IS PRINTED ON THIS PAGE 03/2902;20:33 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC EFTA00196636

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 3 of? Cash Flow Analysis Income Summary THIS PERIOD THIS PERIOD YEAR TO DATE OpeningBalance $650,396.89 Dividends 213,693.28 283,021.32 . Credit Balance Int. 1,562.89 3,036.10 Money Fund 12,563,975.68 sess aneeeeesensuenteneneasiesanennnentsennnenenes se sesesennessts eens Funds Deposited 150,000.00 TORN caseeeseesesernernsenee Beto o Oe nneenee ee Oa? Dividends’Interest 151,280.49 Miscellaneous 30,000,000.00 Amount Cr Portfolio Composition Cash/Cash Equivalent 62s: 1 Equities 45,140,979 Money Fund -30,063,975.68 Funds Withdrawn -13,000,000.00 ates Total $107,353,290 Amount Debited $-43.063,975.68 sss sensensenennensennenessssauenusnnensensenseneessssaunusnusneeneeneenees nee Net Cash Activity -198,719.51 Cash Balance Summary OPENING CLOSING Cash 650,396.89 451,677.38 Net Cash Balance $650,396.89 $451,677.38 027 03/2902;20:33 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD February 23,2002 THROUGH March 28, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT February 22,2002 Your Portfolio Allocation Equities 42% Cash & Equivalent Unshaded portions denote debt balance andicr short market values, The allocation percentage is derived from the absohte market value of your portiatio. V555 EFTA00196637

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 47 Your Portfolio Holdings CASH & CASH EQUIVALENTS NAARKET ESTIMATED (QURRENT DESCRIPTION SYMBOU'CUSIP QUANTITY PRICE VALUE ANNUAL INCOME YELD (%) CASH BALANCE 451,677 DREYFUS CASH MANAGEMENT-CLA ——DICCX 61,760,633.74 1.0000 61,760,634 1,049,931 1.7000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD_1,8500% TOTAL CASH & CASH EQUIVALENTS $62 M311 $1,049,931 EQUITIES Equities & Options ACCT WAARKET ESTIMATED CURRENT DESCRIPTION SYMBOU'CUSIP TYPE QUANTITY PRIE VALUE ANNUAL INCOME YELD [%} CNH GLOBAL [i CNH CASH 250,000 5.2200 ‘1,305,000 21,250 1.6284 TOO INC TOO 29.4900 30,964,500 VECTOR GROUP LTD VGR 28.6000 10,704,808 598,870 5.5944 SENTIGEN HOLDING CP RSTD | CASH 333,334 6.5000 2,166,671 Total Equities& Options $45,140,979 $620,120 TOTAL EQUITIES $45,140,979 $620,120 YOUR TOTAL ESTIMATED ANNUAL INCOME $1,670,051 YOUR PRICED PORTFOLIOHOLDINGS $107,353,290 o27 02/2902;20:33 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD February 23,2002 March 28, 2002 accoust numecr [S TAXPAYER NUMBER On File February 22.2002 THROUGH LAST STATEMENT V555 EFTA00196638

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. One Metratech Center North 383 Madison Avenue Brocklyn, New York 11201-3859 STEARNS New York, New York 10179 | | FINANCIAL TRUST COMPANY INC 5 of? STATEMENT PERIOD February 23,2002 THROUGH March 28, 2002 Transaction Detail account wucce | TAXPAYER NUMBER On File DEPOSITS AND WITHDRAWALS LAST STATEMENT —- February 22, 2002 DATE TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 02/28/02 FND WIRED 1,000,000.00 Ossi END WIRED MBA FNOS WIRED 76°" “"""49,000,000:60 03/19/02 FUNDS REC eer FROM 150, 000." ‘00 TOTAL $-13,000,000.00 $150,000.00 MONEY FUND ACTIVITY TRANSACTION, DESCAIPTION SYMBOUCUSIF QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT OPENINGBALANCE 44,196,658.06 eR enn REIS CASH BABNIAEMMENT-CL At" teennnenn idcayennneennennnnnssseeee 000000 INSTITUTIONAL SHARES INSTITUTIONAL SHARES INSTITUTIONAL SHARES INSTITUTIONAL SHARES MONTHLY DIVIDEND OREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES DIVIDEND REINVESTED 027 03/2902;20:33 001 V555 EFTA00196639

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Con Bear, Stearns & Co. Inc. One Mebane preg hers 383 Madison Avenue Brocklyn, New York 11201-3859 STEARNS New York, New York 10179 | | FINANCIAL TRUST COMPANY INC of? STATEMENT PERIOD February 23,2002 THROUGH Transaction Detail (continued) March 28, 2002 accout nuvecr TAXPAYER NUMBER On File February 22.2002 MONEY FUND ACTIVITY (continued) LAST STATEMENT DATE MONDAY TRANSACTION DESCAIPTION SYMBOUCUSIF QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 03/14/02 SOLD RBEEUR CASH MANAGEMENT-CL A DICCK -1,500,000 1.0000 1,500,000.00 03/28/02 CLOSINGBALANCE 61,760,633.74 TOTAL $-30,063,975.68 $12,563,975.68 DIVIDENDS DATE DESCRIPTION SYMBOUCUSIP QUANTITY AATE ($) EBT AMOUNT CREDIT AMOUNT 03/28/02 VECTOR GROUP LTD VGR 374,294 0.4000 149,717.60 REC 03/21/02 PAY 03/28/02 TOTAL $149,717.60 INTEREST DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (4) DEBIT AMOUNT CAEDIT AMOUNT 03/21/02 INTEREST ONCREDIT BALANCE 1.2500 1,562.89 AT 1 1/4% 02/21 THRU 03/20 TOTAL $1,562.89 oz? 03/29102;20:33 001 VS55 EFTA00196640

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 7 ot? Transaction Detail (continued) MISCELLANEOUS DATE MODAY TRANSACTION DESCRIPTION 02/28/02 JOURNAL FROM: XBI/ USD PER LOA he TOTAL Your messages LTS Pursuant to SEC Rule 11Ac1-6, Bear, Stearns & Co, Inc will publicly post its quarterly routing statistics at the following web link: http://(www,bearstearns .com/corporate/business/equities/orp .nhtm STOP ****** End of Statement****** CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD February 23,2002 THROUGH March 28, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT February 22,2002 DEBIT AMOUNT CREDIT AMOUNT 30,000,000.00 $30,000,000.00 ZT Bear, Stearns Securities Corp, Net Capital and Net Capital Requirements: At November 30, 2001 and January 31, 2002, the Company's net capital of approximately $2.6 billion and $2.6 billion was approximately 9% and 8% of aggregate debit items and exceeded the minimum regulatory net capital requirement of approximately $604.1 million and $648.0 million by approximately $2.0 billion and $2.0 billion, all respectively. A complete copy of the Bear, Stearns Securities Corp, Statement of Financial Condition is available on the web site www. bearstearns.com , Alternatively, to request a free printed copy please call -toll free 1-866-299-9331, 027 03/2902;20:33 001 VSS5 EFTA00196641

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New = New York 10179 BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE What’s In This Statement www.bearstearns.com Financial Summary , ‘ Your Portfolio Holdings . ' Transaction Detail ......sssesseseresseessees ans w Your Portfolio at a Glance 43,205,788 650,397 44,196,658 TOTAL VALUE OF SECURITIES THIS PERIOD NET CREDIT BALANCE MONEY MARKET FUND BALANCE NET EQUITY THIS PERIOD $88,052,843 NET EQUITY LAST STATEMENT 65,401,769 CHANGE SINCE LAST STATEMENT 22,651,074 There are no "Stop Loss’ orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securities Corp., One Metrolech Center North, Brooklyn, N.Y. 11201-3859, CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD January 26, 2002 THROUGH ACCOUNT NUMBER TAXPAYER NUMBER On File FINANCIAL TRUST COMPANY INC C/O AMERICAN YACHT HARBOR * 6100 RED HOOK SUITE B-3 QUARTERS #2 ST THOMAS VI 00802 LAST STATEMENT Market Value of Your Portfolio $44,847,055 i saute $43,205,788 $20,130,503 : $-147,500 || Current market value 2G] Last statements market value ([] Short market value ‘This summary is for informational purposes only. It Is not intended as a tax document, ‘This statemem should be retained for your records. See reverse side for important information. 027 02/23/02;10:07 001 February 22.2002 January 25, 2002 vse? EFTA00196642

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2 of? STATEMENT BACKER IS PRINTED ON THIS PAGE 02/2302;10:07 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC EFTA00196643

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 3 of? Cash Flow Analysis Income Summary THIS PERIOD THIS PERIOD YEAR TO DATE OpeningBalance $36,436.04 Dividends 64,328.04 69,328.04 . Credit Balance Int. 666.12 1,473.21 Securities Sold 1,248,728.75 sess aunenenensnenenenenensessaneneneneneneeeneeeneces san wonveonseeses: sceee Money Fund 11,314,328.04 TORN casceeeeeeeserneenseneee DO Nee Ooaeesnene BOE 2S Dividends/Interest 666.12 Miscellaneous 10,064,565.98 Amount Cr $22,628,206 69 Portfolio Composition Cash/Cash Equivalent 44,847,055 Money Fund -10,064,328.04 - Equities 43,205,788 Funds Withdrawn “1 0,500,000.00 100 SENEESENEEEEOENUEOEEE | 11) CUESEESEEESSENOESOSES (111 SEENEEEEEEREEOEEEEE EE TIT aenee Miscellaneous -1,450,000.00 TOC enetnestnetneenenneeiettneenene SOO OES Amount Debited Net Cash Activity 613,960.85 Cash Balance Summary OPENING CLOSING Cash 36,436.04 650,396.89 Net Cash Balance $36,436.04 $650,396.89 027 02/2302;10:07 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD January 26, 2002 THROUGH February 22,2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT January 25, 2002 Your Portfolio Allocation Cash & Equivalent} Equities 49% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, vs27 EFTA00196644

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 47 Your Portfolio Holdings CASH & CASH EQUIVALENTS NAARKET ESTIMATED (QURRENT DESCRIPTION SYMBOU'CUSIP QUANTITY PRICE VALUE ANNUAL INCOME YELD (%) CASH BALANCE 650,397 DREYFUS CASH MANAGEMENT-CL A biccx 44,196,658.06 1.0000 44,196,658 883,933 2.0000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD_1,9000% TOTAL CASH & CASH EQUIVALENTS $44,847,055 $883,933 EQUITIES Equities & Options ACCT WAARKET ESTIMATED CURRENT DESCRIPTION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YELD [%} CNH GLOBAL CNH CASH 250,000 4.5900 1,147,500 21,250 1.8519 TOO INC TOO 27.9000 29.295,000 VECTOR GROUP LTD VGR 28.4000 10,629,950 598,870 5.6338 SENTIGEN HOLDING CP RSTD | CASH 333,334 64000 = 2,133,338 Total Equities& Options $43,205.788 $620,120 TOTAL EQUITIES $43,205,788 $620,120 YOUR TOTAL ESTIMATED ANNUAL INCOME $1,504,053 YOUR PRICED PORTFOLIOHOLDINGS $88,052,842 027 02/2302;10:07 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD January 26, 2002 February 22,2002 accoust numecr [S TAXPAYER NUMBER On File January 25, 2002 THROUGH LAST STATEMENT vs27 EFTA00196645

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Steams Securities Corp. Bear, Stearns & Co. Inc. ne Metrotech Center North 383 Madison Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10179 FINANCIAL TRUST COMPANY INC 5 of? STATEMENT PERIOD January 26, 2002 THROUGH February 22.2002 Transaction Detail account wucce | TAXPAYER NUMBER On File INVESTMENT ACTIVITY LAST STATEMENT —_ January 25, 2002 SETTLEMENT TRADE DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 02/13/02 JOURNAL TOO IN TOO 850,000 JNL FM EXP 02/16/2002 AJE QTOOBE ASSIGNED 00560 O2/2Gi02 EXPIRED CALE TOG INC” FEB O30 CBOE 890333985 3,000 EXP 02/16/2002 Soe Mar Sinn mmm nnn nnn nnn nnn ans AJE QTOOBE 500 ASSIGNED TOTAL $1,248,728.75 DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRETION DEBIT AMOUNT CREDIT AMOUNT 01/31/02 FND WIRED Mp, FNDS WIRED TO 10,000,000.00 Fi 02/08/02 FND WIRED A IDS WIRED TO 500,000.00 ee TOTAL $-10,500,000.00 MONEY FUND ACTIVITY DATE MO/DAY TRANSACTION DESCAIPTION SYMBOUCUSIP QUANTITY PRICE DEBIT AMOUNT CAEDIT AMOUNT 01/26/02 OPENINGBALANCE 45,382,330.02 027 02/2302;10:07 001 v827 EFTA00196646

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North 383 Madison Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10179 | | FINANCIAL TRUST COMPANY INC 6 of? STATEMENT PERIOD January 26, 2002 THROUGH February 22,2002 Transaction Detail (continued) TAXPAYER NUMBER On File accout nuvecr MONEY FUND ACTIVITY (continued) LAST STATEMENT January 25, 2002 DATE MOVDAY TRANSACTION DESCAIPTION SYMBOUCUSIP QUANTITY PRIGE DeSIT AMOUNT CAEDIT AMOUNT 01/31/02 SOLD REECE GASH. MANAGEMENT-CL A DICCK -10,000,000 1.0000 10,000,000.00 INSTITUTIONAL SHARES Osi0TGs DIVIDEND RACVEUS GASH MANAGEMENT “CIA BIcEX "64,328.04 MONTHLY DIVIDEND O01 0S REINVEST Pai iS GASH MANAGEMENT-CL'A BICEX 6432804 64-328 04 DIVIDEND REINVESTED osi0es" SOLD RREVFUS CASH MANAGEMENT: “CLA DICCK -750,000 1.0000 760,600.00 osiees SOLS BAEVFUS CASH MANAGENIENT- cr" BIeX "800,000" 76000 $60,000.00 INSTITUTIONAL BHA 02/22/02 CLOSINGBALANCE 44,196,658.06 TOTAL $-10,064,328.04 $11,314,328.04 DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) CERT AMOUNT CAEDIT AMOUNT 02/21/02 INTEREST ONCREDIT BALANCE 1.2500 666.12 AT 1 1/4% 01/21 THRU 02/20 TOTAL $666.12 027 02/2302;10:07 001 vs27 EFTA00196647

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 | 7 of? Transaction Detail (continued) MISCELLANEOUS DATE MODAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 01/31/02 JOURNAL FROM: X81 i USD 70,000,000.00 PER LOA < URL a | aT seseeesessansnsseesseneeneeeneess PER Li Ossie JOUANAT SAU FAA 64,565.98 TOTAL $-1.450,000.00 $10,.064,565.98 [stop] ****** End of Statement™***** 027 02/23/02;10:07 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOO January 26, 2002 THROUGH February 22,2002 accoust numecr [S TAXPAYER NUMBER On File LAST STATEMENT January 25, 2002 827 EFTA00196648

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BEAR STEARNS ACCOUNT EXECUTIVE ZICHERMAN, IRA OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New = New York 10179 TELEPHONE VISIT OUR WEBSITE + www. bearstearns.com What's In This Statement Financial Summary , 3 Your Portfolio Holdings . » 4 Transaction Detail .....ssssseeeeneres 5 Fund Activity .. . 5 Your Messages 7 Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD 19,983,003 NET CREDIT BALANCE 36,436 MONEY MARKET FUND BALANCE 45,382,330 ET) NET EQUITY LAST STATEMENT 66,940,688 CHANGE SINCE LAST STATEMENT -1,538,919 There are no “Stop Loss” orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securities Corp., One Metrolech Center North, Brooklyn, N.Y. 11201-3859, FINANCIAL TRUST COMPANY INC C/O AMERICAN YACHT HARBOR * 6100 RED HOOK SUITE B-3 QUARTERS #2 ST THOMAS VI 00802 Market Value of Your Portfolio $45,418,766 Cash & Equivalent $37,534,293 Equities $20.130,503 : $-147.500 $30,526,395 : $-1,120,000 | | Current market value $288] Last statements market value [[) Short market value ‘This summary is for informational purposes only. It is not intended as a tax document, CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD January 1, 2002 January 25, 2002 accout nuvecr TAXPAYER NUMBER On File THROUGH LAST STATEMENT December 31,2001 ‘This statemem should be retained for your records. See reverse side for important information. 027 01/2602;08:54 001 vs20 EFTA00196649

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2 of? STATEMENT BACKER IS PRINTED ON THIS PAGE 01/26/02;08:54 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC EFTA00196650

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 3 of? Cash Flow Analysis Income Summary Tis PERIOD Tos PERIOD YEAR TO DATE OpeningBalance $11,290.18 Dividends 5,000.00 5,000.00 . Credit Balance Int. 807.09 807.09 Securities Sold 8,333,079.49 ses saunenenenenenenenenensessaneneneneeeneeenenenees san eusnenenessssausenesenesees Money Fund 59,327.00 TOR cncseseesessereernerneennee eo OO oD Dividends/Interest 5,807.09 Miscellaneous 1,357,453.45 Amount Cr ited Portfolio Composition SHORT LONG Cash/Cash Equivalent 45,418,766 Mécellanous 1,871,194.17 Equities 147,500 20,130,503 hraowa Deblted B700S21 iT sesseneseeeesneetseseesssneetsesensneeseessesaneeeteeenueeete vee atin ve Total ssesreeererssssvermneeseresnares A GOO raneeeee Eo aoe Net Cash Activity 25,145.86 Cash Balance Summary OPENING CLOSING Cash 11,290.18 36,436.04 Net Cash Balance $11,290.18 $36,436.04 027 01/26/02;08:54 001 Cash & Equivalent NE 69% CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD January 1, 2002 THROUGH January 25, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT December 31,2001 Your Portfolio Allocation Equities 30% Short Equities <1% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, vs20 EFTA00196651

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 47 Your Portfolio Holdings CASH & CASH EQUIVALENTS NAABKET ESTIMATED — CURRENT DESCRETION SYMBOLICUSIP QUANTITY PRICE ANNUAL INCOME —_YELD (%} CASH BALANCE DREYFUS CASH MANAGEMENT-CL A bICcX 45,382,330.02 1.0000 45,382,330 953,029 2.1000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD 1,9500% TOTAL CASH & CASH EQUIVALENTS $45,418,766 $953,029 EQUITIES Equities & Options ACCT WAARKET ESTIMATED CURRENT DESCRIPTION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YELD [%} CNH GLOBAL CNH CASH 250,000 5.9200 1,480,000 138,000 9.3243 TOO INC TOO 6,537,500 CALL TOOINC FEB 025CBOE TOOBE -87,500 EXP 02/16/2002 CALL TOOINC FEB 030CBOE TOOBF CASH -2,000 0.3000 -60,000 EXP 02/16/2002 VECTOR GROUP LTD VGR CASH 374,294 28.8000 10,779,667 598.870 5.5556 SENTIGEN HOLDING CP ASTD | CASH 333,334 4.0000 1,333,336 Total Equities& Options $19,983,003 $736,870 TOTAL EQUITIES $19,983,003 $736,870 YOUR TOTAL ESTIMATED ANNUAL INCOME $1,689,899 YOUR PRICED PORTFOLIOHOLDINGS $65,401,769 027 01/2602;06:54 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD January 1, 2002 THROUGH ACCOUNT NUMBER January 25, 2002 TAXPAYER NUMBER On File LAST STATEMENT vs20 December 31,2001 EFTA00196652

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BEAR STEARNS 5 of? Transaction Detail INVESTMENT ACTIVITY SETTLEMENT = TRADE DATE OATE TRANSACTION 01/04/02 01/03/02 SOLD BUGIS SURNAME OR SRO UE LI generac OT7I02 Ori08I02 01/22/02 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 DESCRIPTION CALL AT&T CORP JAN17.50"*** EXP 01/19/2002 UNSOLICITED OPEN CONTRACT AS OF 01/03/02 JOURNAL FROM TYPE 1 TO 2 VECTOR GROUP LTD JOURNAL FROM TYPE 1 TO 2 ORB JANT 7°56 ALL EXP OV FROM CALETOG INC TAN'G25 CBOE EXP 01/19/2002 AJE QTOOAE ASSIGNED 01616 QUANTITY -7,540 PRICE 1.15000 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 FINANCIAL TRUST COMPANY INC STATEMENT PERIOD January 1, 2002 THROUGH January 25, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT December 31,2001 DEBIT AMOUNT GREDIT_ AMOUNT 840,694.49 OT/23i02 OTBaI2 MONEY FUND ACTIVITY MO'DAY TRANSACTION: VECTOR GROUP LTD JOURNAL FROM TYPE 2 TO 1 VECTOR GAGUP TTS AVE QTOOAE 3000 ASSIGNED DESCRIPTION 01/01/02 OPENINGBALANCE Rent HoNA SAS DIVIDEND REINVESTED 37,523,003.02 01/26/02;08:54 001 "492,385.00 $8.333,079.49 OESIT AMOUNT (CREDIT AMOUNT vs20 EFTA00196653

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North 383 Madison Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10179 | | FINANCIAL TRUST COMPANY INC Sar STATEMENT PERIOD January 1, 2002 THROUGH January 25, 2002 Transaction Detail (continued) account xumccr = TAXPAYER NUMBER On File MONEY FUND ACTIVITY (continued) LAST STATEMENT — December 31, 2001 DATE MONDAY TRANSACTION DESCAIPTION SYMBOUCUSIP QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 01/02/02 DIVIDEND REECE CASH. MANAGEMENT-CL A BICC 59,327.00 AMT INCLUDED IN 2001 - 1099 01/25/02 CLOSINGBALANCE 45,382,330.02 TOTAL $-7,859,327.00 $59,327.00 DIVIDENDS DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE ($) CERT AMOUNT CAEDIT AMOUNT 01/03/02 ESTEE LAUDER COMPANIES INC EL 100,000 0.0500 5,000.00 CLA REC 12/14/01 PAY 01/03/02 TOTAL $5,000.00 INTEREST DATE DESCRIPTION SYMBOUUSIF QUANTITY RATE (") DEBIT AMOUNT CREDIT AMOUNT 01/22/02 INTEREST ONCREDIT BALANCE 1.2500 133.18 AT 1 1/4% 12/31 THRU 01/20 AT 1 1/4% 12/21 THRU 12/30 TOTAL $807.09 027 01/26/02;08:54 001 vs20 EFTA00196654

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. One Metratech Center North 383 Madison Avenue Brooklyn, New York 11201-3859 STEARNS New York. New York 10179 fl Le FINANCIAL TRUST COMPANY INC 7 of? STATEMENT PERIOO January 1, 2002 THROUGH January 25, 2002 Transaction Detail (continued) account numccr TAXPAYER NUMBER On File MISCELLANEOUS LAST STATEMENT December 31, 2001 DATE TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT JOURNAL JRL F INTX'S 02.63 JOURNAL Fait 840/694/43 . O1/24i02” JOURNAL BSiL-FINANCIAL TAUST CO. INC 1'349,350.82 NY16418 EQUITY SWAP DUE 01/23/03 AT&T CORP DERIVATIVE SETTLEMENT TOTAL $-1,871,194.17 $1,357.453.45 Your messages a The interest, if any, charged to your account during December 2001 was computed on the net debit balance through December 30, The interest, if any, charged to your account during January 2002 is computed from December 31, 2001, / {stop ****** End of Statement™***** \ Jf oz? 01/2602;08:54 001 vs20 EFTA00196655