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From:hemery@firstunion1.com
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Subject:Conference Call With First Union Securities Chief EquityStrategist,
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Date:Mon, 3 Dec 2001 14:00:01 -0800 (PST)

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EMERY
FINANCIAL GROUP
Of First Union Securities



Emery Financial Group Conference Call With First Union Securities Chief Equity Strategist Doug Sandler.

On Friday, December 7 at 10:00am CST, the Emery Financial Group would like to invite you to join us on a conference call with First Union Securities Chief Equity Strategist Doug Sandler.

In 1995, Doug Sandler joined the portfolio strategy department and worked with the firm's former strategist, Don Hays, as a buy-side analyst, portfolio manager, and marketer. In mid-2001, Doug was named the firm's Chief Equity Strategist and is responsible for stock selection and development of equity themes. Doug completed the CFA designation in 1997. He has a BS in accounting and an MBA from the University of Richmond.

We have scheduled a 30 minute call with Mr. Sandler in which he will share his thoughts on the overall markets and answer a few questions.

Following is the information you will need to participate in this call:
Dial in number: 877-721-9310
Conference ID: 2548974
Conference Leader: Rocky Emery
Date: Friday, December 7, 2001
Time: 10:00am CST
Duration: 30 minutes


IF YOU PLAN ON ATTENDING THE CALL, PLEASE REPLY TO THIS MESSAGE AND LET US KNOW SO WE KNOW HOW MANY PHONE LINES TO HAVE OPEN.
HEMERY@FIRSTUNION1.COM

FIRST UNION SECURITIES, INC, MEMBER NYSE & SIPC. (12/2001)