EFTA00197279.pdf

Statements EFTA00197279 CLEARANCE AGENT TO FBR FRIEDMAN, 1311.1.INGS, RAMSEY a CO.. INC. OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street North Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Fax (703) 312 9501 E-Mail inforgRbrsom VISIT OUR WEBSITE mvw.lbr.com Important Message II any information regarding 2003interest. 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 February 2.2004or a 1042Sby March 15.2004. Transaction Detail INVESTMENT ACTIVITY SETTLEMENT TRADE DATE DATE TRANSACTION 12/17/03 DELIVERED DESORPTION FRANKLIN BANK CORP CL A ACCREDITED INVS DEL TO 00901 111111 I I111111111 I I FINANCIAL TRUST CO., INC 600 REDHOOK QUARTER STE 6-3 ST THOMAS US US VI 00802 SOAOO.CUSP COMITY -100,000 P%E Bear. Swann Seaman Cap. One Metrotech Gana Nortn Eitccaltn. Nan Yak 1120/3659 FINANCIAL TRUST CO..INC STATEMENT PERIOD NOvernter 29.2003 THROUGH December 31.2003 ACCOUNT NUMBER TAXPAYER MAGER On Foe LAST STATEMENT September 30.2003 DEM AMOUNT CREDO MA3UNT 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. ERR OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street North Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Fax (703) 312 9501 E-Mail infoefbrsom 2 Your messages la" As part of the National Association of Securities Dealers (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 wftwinasdr,com, In addition, a brochure explaining the Public Disclosure Program is available from the NASD upon request. la" Sear. Swains S0OLIIMOS Cap. QY metrotech COMB( NORM Secciain. NM Tea 11201.3859 FINANCIAL TRUST CO..INC STATEMENT PERK* November 29.2003 THROUGH December 31.2003 ACCCUNT NUMBER TAXPAYER M.1493ER On File LAST STATEMENT September 30.2003 IMPORTANT NOTICE TO CLIENTS: Disclosure of Order Execution and Routing Practices Sec Rule 11Ac1.5 (Monthly report) requires 'market centers' that trade Nasdaq National Market, Nasdaq Small Cap securities and exchange-listed securities to make publicly available standardized, monthly statistical information about 'covered order' executions, as defined by the rule, 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 TO FBR FRIEDNIAN, BILLINGS, RAMSEY & CO.. INC. OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street North Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Fax (703) 312 9501 E-Mail infoefbrsom 3 of [az SEC Rule 11Ac1-6 (Quarterly report) requires broker/dealers that route orders in equity and option securities to disclose the identities of the execution venues to which they route orders on behalf of customers, and the material aspects of the relationships the broker/dealer may have with those venues, if applicable. In accordance with SEC Rule 11Ac1-6, upon your request, we will disclose the identity of the venue to which your order was routed for execution and the time of execution, within the time period of the six months prior to your request. Each market center is required to prepare and make publicly available the monthly and quarterly reports in electronic form, free of charge and available for downloading from an internet site. This information is available via our website at www.fbr.com. This information is presented in accordance with the SEC Rule 11Ac1.5 and 1.6 requirements. A written copy of the quarterly report is available upon request. Additional information regarding the rule, interpretations and exemptions can be obtained directly from the SEC at Immv.sec.gov and the NASD at vvw.nasd.com. End of Statement Elea. Steams S0OLIIMOS Cap. OY metrotech GOAN( NORM Secciain. NM Tea 11201.3859 FINANCIAL TRUST CO..ikIC STATEMENT PERK* November 29.2003 THROUGH December 31.2003 ACCOUNT NUMBER TAXPAYER NURSER ON File LAST STATEMENT Sept...rite,. 30.2003 Excess SIPC Account Protection Update Bear, Steams Securities Corp. (BSSC'), a member of the Securities Investor Protection Corporation ('SIPC'), provides account protection for the net equity of a customer's funds and securities positions. SIPC provides $500,000 of primary net equity protection, including $100,000 for claims for cash ("SIPC Coverage"). Visit www.sipc.org for more information about SIPC Coverage. BSSC provides the additional protection ("Excess SIPC') through a commercial insurer. Effective February 16, 2004, the commercial insurer for Excess SIPC will change to Customer Asset Protection Company ("COCO"), a licensed New York insurance company. Account protection applies when a SIPC member firm fails financially and is unable to meet its obligations to its securities customers, but does not apply to losses from the rise or fall in the market value of investments or to SIPC ineligible assets such as options, futures, foreign exchange transactions, or any investment contracts that are not registered as securities. 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 TO FBR FRIEDMAN, 1311.I,INGS, RAMSEY A CO.. INC. OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street Nonh Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Fax (703) 312 9501 E-Mail infoefbrsom VISIT OUR WEBSITE mvw.lbr.com Important Message Your Brokerage Firm and Bear Stearns are pleased to announce the conversion to a calendar month-end statement. Effective this month. your account statement reflects all activity and account valuation up to and inducing the last business day of the month. Your Portfolio Holdings EQUITIES Equities & Options etscactiou FRANKLIN BANK CORP CL A ACCREDITED INVS Total Equities& Options ACCT STMECUCUSIP TIPS CASH IIII II I I 111111111 I I FINANCIAL TRUST CO., INC 600 REOHOOK QUARTER STE B-3 ST THOMAS US US VI 00802 ouminnr 100,000 PRCE 'Marked IMAKET ESTEEMED CURRENT VALLE ANOVA& NCO AE YEU) 044 $0 $0 TOTAL EQUITIES $0 $0 Elem. Swann SOOLIIIIIOS Cap One Metr0teth Center NORM Eitcaltn. Net Yolk 1120/3859 FINANCIAL TRUST CO.. INC STATEMENT PERGO August 30.2003 THROUGH September 30.2003 ACCOUNT NUMBER TAXPAYER KAMER On File LAST STATEMENT June 27.2003 St TIM towrorY is foe Sernalail papaws rely n n Nor reandod as dcarnonl Gm statornorn should tro reann1 to your records Soo wort* fa toe ',porno aconstom 021 1CU01103:15:17 001 Y813 EFTA00197284 CLEARANCE AGENT TO FBR FRIEDMAN. BILLINGS. RAMSEY & CO.. INC. OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street North Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Fax (703) 312 9501 E-Mail infoefbrsom 2 Your messages Bear, Stearns Securities Corp. Net Capital and Net Capital Requirements: At May 31, 2003 and July 31, 2003, the Company's net capital of approximately $2.4 billion and $3.0 billion was approximately 6% and 7% of aggregate debit items and exceeded the minimum regulatory net capital requirement of approximately $799.5 million and $904.4 million by approximately $1.6 billion and $2.1 billion, all respectively. A complete copy of the Bear, Steams Securities Corp. Statement of Financial Condition is available on the web site answ.bsscfinancialstatement.com. Alternatively, to request a free printed copy please call - toll tree 1.866.299.9331. End of Statement Elem. Steams SOOLIMIOS Cap. Ce4 MetoOteth GOMM HORN Brock/m. New. tax 1120/3859 FINANCIAL TRUST CO.. INC STATEMENT PERK* August 30.2003 THROUGH Septernter 30.2003 ACCCUNT NUMBER TAXPAYER NUUSER On Fee LAST STATEMENT June 27.2003 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 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. 027 100103:15:17 001 Y813 EFTA00197285 CLEARANCE AGENT Bear. Swann SOOLIMIOS Cap. 0'41.400 0th 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 TO FBR FRIEDMAN, 1311.1,INGS, RAMSEY a CO.. INC. OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street North Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Fax (703) 312 9501 E-Mail info:Phis= VISIT OUR WESSITE www.lbr.com 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. Your Portfolio Holdings EQUITIES Equities & Options IIII II I I 111111111 II FINANCIAL TRUST CO.. INC 600 REDHOOK QUARTER STE 6-3 ST THOMAS US US VI 00802 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 Bear. Seams Semites Cap. One Me00tet0 Center North Eltedetn. New York 112014859 FINANCIAL TRUST CO..INC STATEMENT PERIOD May 31.2003 THROUGH June 27.2003 ACCOUNT NUMBER TAXPAYER NUMBER On File LAST STATEMENT March 28.2003 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 TO FBR FRIEDMAN, 1311.I.INGS, RAMSEY A CO.. INC. OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street Nord) Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Fax (703) 312 9501 E-Mail infoefbrsom VISIT OUR WEBSITE wenv.lbr.com What's In This Statement Your Portfolio Holdings 1 Your Messages 2 Your Portfolio Holdings EQUITIES Equities & Options DESCRPTIOti FRANKLIN BANK CORP CL A ACCREDITED INVS Total Equities& Options ACCT SITIBOUCUSIP TYPE CASH IlllllII111111111 I I FINANCIAL TRUST CO., INC 600 REOHOOK QUARTER STE 6-3 ST THOMAS US US VI 00802 OVANIITY 100,000 PRCE Unprioed MANCET ESTMATED WNW' YNAE ARBON. INCOME VELD TH/ $0 $0 TOTAL EQUITIES $0 $0 Bear. Swann SOOLIMPS Cow. Coe Metr0teCh Cornet NORM Eltecklin. Nan Ye* 1120/3859 FINANCIAL TRUST CO..INC STATEMENT PERK* Minh 1.2003 THROUGH March 28.2003 ACCOUNT HOMER TAXPAYER NUMBER On File LAST STATEMENT December 31.2002 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 TO FBR FRIEDMAN. BILLINGS. RAMSEY & CO.. INC. OFFICE SERVICING YOUR ACCOUNT 1001 Nineteenth Street North Arlington. Virginia 22209.1722 Telephone (703) 312 9500 Fax (703) 312 9501 E-Mail infoefbrsom 2 Your messages Bear, Stearns Securities Corp. Net Capital and Net Capital Requirements: At November 30, 2002 and January 31, 2003, the Company's net capital of approximately $2.4 billion and $2.4 billion was approximately 7% and7% of aggregate debit items and exceeded the minimum regulatory net capital requirement of approximately $716.3 million and $684.1 million by approximately $1.7 billion and $1.7 billion, all respectively. A complete copy of the Bear, Steams Securities Corp. Statement of Financial Condition is available on the web site www beschnanrialstatement_com Alternatively, to request a free printed copy please call - toll free 1.866.299.9331 I Elem. Steams SOOLIMIOS Cap. Ce4 MetoOteth GOMM NORA Brock/m. New. tax 1120/3859 FINANCIAL TRUST CO.. INC STATEMENT PERKO March 1.2003 THROUGH March 28.2003 ACCCUNT NUMBER TAXPAYER MAWR CO Fee LAST STATEMENT December 31.2002 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 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 BSSC Base Lending Rate, the BSSC Fed Funds Rate or the London Interbank Offering Rate (*LIBOR"). The BSSC Base Lending Rate will be quoted by Bear Steams at our main office in New York. Factors affecting the determination of the BSSC Base Lending Rate will include the short-term market interest rates quoted by money center banks and the Federal Reserve and the rate that Bear Steams Securities is charged for borrowing money, The BSSC Fed Fund rate is the rate for U,S, 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