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LJH joins with Bank Frick to offer structured note

 LJH Global Investments, LLC has partnered with Bank
Frick & Co. offer a principal protected Bank Frick Guaranteed Note linked
to the performance of a multi-strategy fund of hedge funds portfolio.

LJH President and Chief Investment Officer James R. Hedges, IV.said: "LJH's
diligent hedge fund manager selection process in combination with Bank Frick's
marketing and distribution platforms will create a strong new product for the
European marketplace".

The new guaranteed note features a low minimum investment level of Euros
10,000 and will be offered to investors in Switzerland and Lichtenstien.

Bank Frick & Co. Ltd. President Juergen Frick, said: "We are confident that this
new guaranteed note will contribute to our ongoing goal of bringing the hedge
fund opportunity to clients who increasingly ask about options for including this
asset class in their investment portfolio."

Arranged by Refco Structured and Alternative Investments, part of Refco Group,
Ltd., LLC, a diversified financial services company, the note will be offered
through Bank Frick & Co. Ltd.

The Bank Frick Guaranteed Note is a capital protected euro dominated bond that
will pay an annual coupon of 2 per cent and be listed on the Luxembourg Stock
Exchange. Issued on 27 December 2002, the bonds will mature on 27 December
2012. The notes are AAA rated by Moody's and are available at a Euros 10,000
minimum investment.

Background Note: LJH Global Investments, LLC was founded in 1992 by James
R. Hedges, IV to manage private assets, and has rapidly developed into a
leading hedge fund advisor and fund of hedge funds management firm. The firm
has advised numerous private investors, financial institutions, and financial
advisors on the development of fund of hedge funds strategies.

Bank Frick & Co. Ltd. is a Liechtenstien-based private bank that specialises in
investment counseling and asset management for international clientele,
including individuals and institutional investors.


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