EFTA00197279.pdf

Statements EFTA00197279  CLEARANCE AGENT FRIEDMAN, 1311.1.INGS, RAMSEY a CO.. INC. TO OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street North Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Bear. Swann Seaman Cap. One Metrotech Gana Nortn Eitccaltn. Nan Yak 1120/3659 FBR Fax (703) 312 9501 E-Mail inforgRbrsom FINANCIAL TRUST CO..INC STATEMENT PERIOD NOvernter 29.2003 VISIT OUR WEBSITE mvw.lbr.com THROUGH December 31.2003 ACCOUNT NUMBER Important Message 111111I I111111111 II TAXPAYER MAGER On Foe II any information regarding 2003interest. dividends. LAST STATEMENT September 30.2003 miscellaneous income, gross proceeds or original issue FINANCIAL TRUST CO., INC discount is required to be reported to the IRS for this account, a Consolidated Form 1099 will be mailed to you by 600 REDHOOK QUARTER STE 6-3 February 2.2004or a 1042Sby March 15.2004. ST THOMAS US US VI 00802 Transaction Detail INVESTMENT ACTIVITY SETTLEMENT TRADE DATE DATE TRANSACTION DESORPTION SOAOO.CUSP COMITY P%E DEM AMOUNT CREDO MA3UNT 12/17/03 DELIVERED FRANKLIN BANK CORP -100,000 CL A ACCREDITED INVS DEL TO 00901 TOTAL Ilm TATTAGTY n MT SernatiCnil papaws capita rot nentled as a tat cloaratt Eas gammon Woad be reared to your records See Aran. Wake roamed acHn000n 027 OIGIOU:15:58 001 HMS EFTA00197280  CLEARANCE AGENT FRIEDMAN. BILLINGS. RAMSEY 4 CO.. INC. OFFICE SERVICING YOUR ACCOUNT Sear. Swains S0OLIIMOS Cap. 1001 Nineteenth Street North QY metrotech COMB( NORM Arlington. Virginia 22209.1722 Secciain. NM Tea 11201.3859 Telephone (703) 312 9500 ERR Fax (703) 312 9501 E-Mail infoefbrsom FINANCIAL TRUST CO..INC 2 STATEMENT PERK* November 29.2003 THROUGH December 31.2003 ACCCUNT NUMBER TAXPAYER M.1493ER On File Your messages LAST STATEMENT September 30.2003 As part of the National Association of Securities Dealers (NASD) Investor IMPORTANT NOTICE TO CLIENTS: Disclosure of Order Execution and Routing la" Education Program, you may obtain information on the NASD's Public la" Practices Sec Rule 11Ac1.5 (Monthly report) requires 'market centers' that Disclosure Program by contacting the NASD at telephone number (800) trade Nasdaq National Market, Nasdaq Small Cap securities and 289.9999 or via the intemet address which is wftwinasdr,com, In addition, a exchange-listed securities to make publicly available standardized, monthly brochure explaining the Public Disclosure Program is available from the NASD statistical information about 'covered order' executions, as defined by the rule, upon request. Friedman, Billings, Ramsey & Co., Inc. (FBRC) is an OTC market maker and therefore considered a 'market center. Rule Ac1.5 is intended to promote visibility and competition in order execution quality. In order to enable cross-market comparisons, the Rule establishes uniform measures of execution quality, among them effective spread, rate of price improvement, fill rate and execution speed, The rule also requires the statistics to be categorized by individual security, order type and size (100.499 shares, 500-1999, 2000.4999, 5000.999). It is important to note that orders for 10,000 shares or more are exempt from the rule and are therefore not included in the statistics, 027 01,01.00:15:56 001 Y818 EFTA00197281  CLEARANCE AGENT FRIEDNIAN, BILLINGS, RAMSEY & CO.. INC. TO OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street North Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Elea. Steams S0OLIIMOS Cap. OY metrotech GOAN( NORM Secciain. NM Tea 11201.3859 FBR Fax (703) 312 9501 E-Mail infoefbrsom FINANCIAL TRUST CO..ikIC 3 of STATEMENT PERK* November 29.2003 THROUGH December 31.2003 ACCOUNT NUMBER TAXPAYER NURSER ON File LAST STATEMENT Sept...rite,. 30.2003 [az inSECequity Rule 11Ac1-6 (Quarterly report) requires broker/dealers that route orders and option securities to disclose the identities of the execution Excess SIPC Account Protection Update Bear, Steams Securities Corp. (BSSC'), a member of the Securities Investor venues to which they route orders on behalf of customers, and the material Protection Corporation ('SIPC'), provides account protection for the net equity aspects of the relationships the broker/dealer may have with those venues, if of a customer's funds and securities positions. SIPC provides $500,000 of applicable. In accordance with SEC Rule 11Ac1-6, upon your request, we will primary net equity protection, including $100,000 for claims for cash ("SIPC disclose the identity of the venue to which your order was routed for execution Coverage"). Visit www.sipc.org for more information about SIPC Coverage. and the time of execution, within the time period of the six months prior to BSSC provides the additional protection ("Excess SIPC') through a commercial your request. Each market center is required to prepare and make publicly insurer. Effective February 16, 2004, the commercial insurer for Excess SIPC available the monthly and quarterly reports in electronic form, free of charge will change to Customer Asset Protection Company ("COCO"), a licensed New and available for downloading from an internet site. This information is York insurance company. Account protection applies when a SIPC member available via our website at www.fbr.com. This information is presented in firm fails financially and is unable to meet its obligations to its securities accordance with the SEC Rule 11Ac1.5 and 1.6 requirements. A written copy customers, but does not apply to losses from the rise or fall in the market of the quarterly report is available upon request. value of investments or to SIPC ineligible assets such as options, futures, foreign exchange transactions, or any investment contracts that are not Additional information regarding the rule, interpretations and exemptions can registered as securities. be obtained directly from the SEC at Immv.sec.gov and the NASD at vvw.nasd.com. End of Statement 027 131/01.134:15:56 001 Y818 EFTA00197282  CLEARANCE AGENT BM. Steams Secuibes Cosp. 0 -4 0oleth Gene. 110O Brocidon. New YCfk 11201.3850 FINANCIAL TRUST CO..INC 4 01 4 STATEMENT BACKER IS PRINTED ON THIS PAGE 027 01,01,00:15:56 001 V818 EFTA00197283  CLEARANCE AGENT FRIEDMAN, 1311.I,INGS, RAMSEY A CO.. INC. TO OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street Nonh Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Elem. Swann SOOLIIIIIOS Cap One Metr0teth Center NORM Eitcaltn. Net Yolk 1120/3859 FBR Fax (703) 312 9501 E-Mail infoefbrsom FINANCIAL TRUST CO..INC VISIT OUR WEBSITE STATEMENT PERGO August 30.2003 mvw.lbr.com THROUGH September 30.2003 ACCOUNT NUMBER Important Message IIII II I I 111111111 II TAXPAYER KAMER On File Your Brokerage Firm and Bear Stearns are pleased to LAST STATEMENT June 27.2003 announce the conversion to a calendar month-end FINANCIAL TRUST CO., INC statement. Effective this month. your account statement 600 REOHOOK QUARTER STE B-3 reflects all activity and account valuation up to and inducing the last business day of the month. ST THOMAS US US VI 00802 Your Portfolio Holdings EQUITIES Equities & Options ACCT IMAKET ESTEEMED CURRENT etscactiou STMECUCUSIP TIPS ouminnr PRCE VALLE ANOVA& NCO AE YEU) 044 FRANKLIN BANK CORP CASH 100,000 'Marked CL A ACCREDITED INVS Total Equities& Options $0 $0 TOTAL EQUITIES $0 $0 St TIM towrorY is foe Sernalail papaws rely n n Nor reandod as dcarnonl Gm statornorn should tro reann1to your records Soo wort* fa toe ',porno aconstom 021 1CU01103:15:17 001 Y813 EFTA00197284  CLEARANCE AGENT FRIEDMAN. BILLINGS. RAMSEY & CO.. INC. TO OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street North Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Elem. Steams SOOLIMIOS Cap. Ce4 MetoOteth GOMM HORN Brock/m. New. tax 1120/3859 FBR Fax (703) 312 9501 E-Mail infoefbrsom FINANCIAL TRUST CO..INC 2 STATEMENT PERK* August 30.2003 THROUGH Septernter 30.2003 ACCCUNT NUMBER TAXPAYER NUUSER On Fee Your messages LAST STATEMENT June 27.2003 Bear, Stearns Securities Corp. Net Capital and Net Capital Requirements: 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 At May 31, 2003 and July 31, 2003, the Company's net capital of decline in value, so does the value of the collateral supporting your loan, and, approximately $2.4 billion and $3.0 billion was approximately 6% and 7% of as a result, the firm can take action, such as issue a margin call and/or sell aggregate debit items and exceeded the minimum regulatory net capital securities or other assets in any of your accounts held with the member, in requirement of approximately $799.5 million and $904.4 million by order to maintain the required equity in the account. It is important that you approximately $1.6 billion and $2.1 billion, all respectively. fully understand the risks involved in trading securities on margin. These risks include the following: A complete copy of the Bear, Steams Securities Corp. Statement of Financial Condition is available on the web site answ.bsscfinancialstatement.com. You can lose more funds than you deposit in the margin account. Alternatively, to request a free printed copy please call - toll tree 1.866.299.9331. The firm can force the sale of securities or other assets in you 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. End of Statement 027 100103:15:17 001 Y813 EFTA00197285  CLEARANCE AGENT Bear. Swann SOOLIMIOS Cap. 0'41.4000th COMO. NOrth Becciain. New VC* 11201.3859 FINANCIAL TRUST CO..INC 3013 STATEMENT BACKER IS PRINTED ON THIS PAGE 027 100103:15:17 001 V813 EFTA00197286  CLEARANCE AGENT FRIEDMAN, 1311.1,INGS, RAMSEY a CO.. INC. TO OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street North Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Bear. Seams Semites Cap. One Me00tet0 Center North Eltedetn. New York 112014859 FBR Fax (703) 312 9501 E-Mail info:Phis= FINANCIAL TRUST CO..INC VISIT OUR WESSITE STATEMENT PERIOD May 31.2003 www.lbr.com THROUGH June 27.2003 ACCOUNT NUMBER Important Message IIII II I I 111111111 II TAXPAYER NUMBER On File Confirmation: Unless we hear from you to the contrary. it is LAST STATEMENT March 28.2003 our understanding that any free credit balances in your FINANCIAL TRUST CO.. INC account are being maintained to facilitate your intention to 600 REDHOOK QUARTER STE 6-3 invest such amounts through us. ST THOMAS US US VI 00802 Your Portfolio Holdings EQUITIES Equities & Options ACCT WISP ESTIMATE!) CURRENT DESCRIPTION STAIEWCUSIP GM OVANIITY PRCE VALLE ANNA. INCOME YEU) MI FRANKLIN BANK CORP CASH 100.000 Unpnced CL A ACCREDITED INYS Total Equities& Options SO SO TOTAL EQUITIES SO SO St Tin Amnon: w far sonatowl pawns My it is rot needed as a tat doanwet Tres staternere should be stared to your words See reverse sal Ice ncceure ricnnaton 027 06128/03:14:80 001 V808 EFTA00197287  CLEARANCE AGENT Bear. Swann SOOLIMIOS Cap. 0'41.4000th COMO. 1100 fiecciain. Neve VC* 11201.3859 FINANCIAL TRUST CO..INC 2 of 2 STATEMENT BACKER IS PRINTED ON THIS PAGE 027 062603:14:50 001 Y8011 EFTA00197288  CLEARANCE AGENT FRIEDMAN, 1311.I.INGS, RAMSEY A CO.. INC. TO OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street Nord) Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Bear. Swann SOOLIMPS Cow. Coe Metr0teCh Cornet NORM Eltecklin. Nan Ye* 1120/3859 FBR Fax (703) 312 9501 E-Mail infoefbrsom FINANCIAL TRUST CO..INC STATEMENT PERK* Minh 1.2003 VISIT OUR WEBSITE wenv.lbr.com THROUGH March 28.2003 ACCOUNT HOMER What's In This Statement IlllllII111111111 II TAXPAYER NUMBER On File LAST STATEMENT December 31.2002 Your Portfolio Holdings 1 FINANCIAL TRUST CO., INC 600 REOHOOK QUARTER STE 6-3 Your Messages 2 ST THOMAS US US VI 00802 Your Portfolio Holdings EQUITIES Equities & Options ACCT MANCET ESTMATED WNW' DESCRPTIOti SITIBOUCUSIP TYPE OVANIITY PRCE YNAE ARBON. INCOME VELD TH/ FRANKLIN BANK CORP CASH 100,000 Unprioed CL A ACCREDITED INVS Total Equities& Options $0 $0 TOTAL EQUITIES $0 $0 St TNT oconnwsin W scrmabonal parses orlyniera wended mato. downytt Tho otatornorn should be reannItor your word; Sao rwoow tide to nnwure riconatan 027 03.29033:15:39 001 Y842 EFTA00197289  CLEARANCE AGENT FRIEDMAN. BILLINGS. RAMSEY & CO.. INC. TO OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street North Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Elem. Steams SOOLIMIOS Cap. Ce4 MetoOteth GOMM NORA Brock/m. New. tax 1120/3859 FBR Fax (703) 312 9501 E-Mail infoefbrsom FINANCIAL TRUST CO..INC 2 STATEMENT PERKO March 1.2003 THROUGH March 28.2003 ACCCUNT NUMBER TAXPAYER MAWR CO Fee Your messages LAST STATEMENT December 31.2002 Bear, Stearns Securities Corp. Net Capital and Net Capital Requirements: I NOTICE OF CHANGE PURSUANT TO THE TRUTH IN LENDING SEC RULE 10b-16 Effective as of May 21, 2003, the annual rate of interest charged on At November 30, 2002 and January 31, 2003, the Company's net any credit extended to you by Bear Stearns Securities for the purpose of capital of approximately $2.4 billion and $2.4 billion was purchasing, carrying or trading in any security or other property shall be approximately 7% and7% of aggregate debit items and exceeded based on either the BSSC Base Lending Rate, the BSSC the minimum regulatory net capital requirement of approximately Fed Funds Rate or the London Interbank Offering Rate $716.3 million and $684.1 million by approximately $1.7 billion and (*LIBOR"). The BSSC Base Lending Rate will be quoted by $1.7 billion, all respectively. Bear Steams at our main office in New York. Factors affecting the determination of the BSSC Base Lending Rate will include the A complete copy of the Bear, Steams Securities Corp. Statement short-term market interest rates quoted by money center banks and the of Financial Condition is available on the web site Federal Reserve and the rate that Bear Steams Securities is charged for www beschnanrialstatement_com Alternatively, to request a free borrowing money, The BSSC Fed Fund rate is the rate for U,S, printed copy please call - toll free 1.866.299.9331 dollar funds, as quoted by an independent broker or such funds selected by Bear Steams 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 400 basis points above the BSSC Base Lending Rate or 500 basis points above either the BSSC Fed Funds Rate or LIBOR and will appear on your monthly statements, Since the rate of interest charged is related to the BSSC Base Lending Rate, the BSSC 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, tf for any other reason Bear Steams 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 03,2963:15,39 001 Y142 EFTA00197290  CLEARANCE AGENT BM. Steams Secuibes Gip. O- llooleth Gene. NW, firocidon. New YCfk 11201.3859 FINANCIAL TRUST CO..INC 3013 STATEMENT BACKER IS PRINTED ON THIS PAGE 027 02,22,03:15:32 001 Y642 EFTA00197291