Exhibit 13

TWENTY SERVICES,
INC.Financial StatementsandFinancial Statement ScheduleFor the Years EndedDecember 31, 2002,
2001 and 2000





---



TWENTY SERVICES, INC.Index to Financial Statements and Financial Statement ScheduleDecember 31, 2002, 2001 and 2000



|Index to Financial Statements and Financial Statement Schedule | F-1        
|-------------------------------------------------------------- | -----------
|                                                               |            
|Independent Auditors Report                                   | F-2        
|                                                               |            
|Balance Sheets                                                 | F-3        
|                                                               |            
|Statements of Operations                                       | F-4        
|                                                               |            
|Statements of Comprehensive Income                             | F-5        
|                                                               |            
|Statements of Cash Flows                                       | F-6 & F-7  
|                                                               |            
|Statements of Changes in Stockholders Equity                  | F-8 & F-9  
|                                                               |            
|Notes to Financial Statements                                  | F-10 - F-19
|                                                               |            
|Financial Statement Schedule:                                  |            
|                                                               |            
|Schedule I - Marketable Securities - Other Investments         | F-20 & F-21

F-1



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Independent Auditors Report

The Shareholders
andThe Board of DirectorsTwenty Services, Inc.

We have audited the accompanying balance sheets of Twenty Services, Inc. (the
Company) as of December 31, 2002 and 2001, and the related statements of operations, comprehensive income, cash flows and of changes in stockholders equity for each of the three years in the period ended December 31, 2002. These financial
statements are the responsibility of the Companys management. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted
our audits in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of
material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by
management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the
financial statements referred to above present fairly, in all material respects, the financial position of Twenty Services, Inc. at December 31, 2002 and 2001 and the results of their operations and their cash flows for each of the three years in
the period ended December 31, 2002, in conformity with accounting principles generally accepted in the United States of America.

Our audits were conducted for the purpose of
forming an opinion on the basic financial statements taken as a whole. The schedule of marketable securitiesother investments for the year ended December 31, 2002, is presented for purposes of additional analysis and is not a required part of
the basic financial statements. Such information has been subjected to the auditing procedures applied in the audit of the basic financial statements and, in our opinion, is fairly stated in all material respects in relation to the basic financial
statements taken as a whole.

BORLAND, BENEFIELD, CRAWFORD & WEBSTER, P.C.Birmingham, AlabamaMarch 19, 2003

F-2



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TWENTY SERVICES, INC.Balance Sheets



|                                                                                                                                                                 |  | December 31, |          
|---------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------ | ---------
|                                                                                                                                                                 |  |              |          
|                                                                                                                                                                 |  | 2002         |          
|                                                                                                                                                                 |  |              |          
|                                                                                                                                                                 |  |              |          
|Assets                                                                                                                                                           |  |              |          
|Cash and Cash Equivalents                                                                                                                                        |  | $            | 279,880  
|Accounts Receivable                                                                                                                                              |  | 2,136        |          
|Marketable Securities                                                                                                                                            |  | 1,731,498    |          
|Finance Receivables, Net                                                                                                                                         |  | 78,069       |          
|Deferred Tax Benefit                                                                                                                                             |  |             |          
|Investment - American Equity Investment Life Holding
Company                                                                                                     |  | 1,271,763    |          
|                                                                                                                                                                 |  |              |          
|                                                                                                                                                                 |  |              |          
|Total Assets                                                                                                                                                     |  | $            | 3,363,346
|                                                                                                                                                                 |  |              |          
|                                                                                                                                                                 |  |              |          
|Liabilities and Stockholders
Equity                                                                                                                             |  |              |          
|Liabilities                                                                                                                                                      |  |              |          
|Accounts Payable and Accrued Expenses                                                                                                                            |  | $            | 40,903   
|Deferred Tax Liability                                                                                                                                           |  | 105,416      |          
|                                                                                                                                                                 |  |              |          
|Total Liabilities                                                                                                                                                |  | 146,319      |          
|                                                                                                                                                                 |  |              |          
|                                                                                                                                                                 |  |              |          
|Stockholders Equity                                                                                                                                             |  |              |          
|Preferred Stock, Cumulative Nonvoting, Par Value
$.10;2,500,000 Shares Authorized 505,110 Shares Issued and Outstanding (Involuntary Liquidation Value $530,366) |  | 50,511       |          
|Common Stock, Par Value $.10; 2,500,000 Shares Authorized, 1,283,068 Shares
Issued and Outstanding                                                               |  | 128,307      |          
|Additional Paid-In Capital                                                                                                                                       |  | 1,818,047    |          
|Retained Earnings                                                                                                                                                |  | 1,537,245    |          
|Net Unrealized Loss on Available-for-Sale Securities, Net
of $14,331 and $17,434 Deferred Income Taxes in 2002 and 2001, Respectively                            |  | (61,607      | )        
|Less: Investment in Twenty Services Holding, Inc.                                                                                                                |  | (60,000      | )        
|Preferred Treasury Stock                                                                                                                                         |  | (6,908       | )        
|Common Treasury Stock                                                                                                                                            |  | (188,568     | )        
|                                                                                                                                                                 |  |              |          
|Net Stockholders Equity                                                                                                                                         |  | 3,217,027    |          
|                                                                                                                                                                 |  |              |          
|                                                                                                                                                                 |  |              |          
|Total Liabilities and Stockholders Equity                                                                                                                       |  | $            | 3,363,346
|                                                                                                                                                                 |  |              |          

See accompanying notes to financial
statements.



F-3



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TWENTY SERVICES, INC.Statements of Operations



|                                                |  | For the Years Ended December 31, |        
|----------------------------------------------- |  | -------------------------------- | -------
|                                                |  |                                  |        
|                                                |  | 2002                             |        
|                                                |  |                                  |        
|                                                |  |                                  |        
|Revenues                                        |  |                                  |        
|Interest                                        |  | $                                | 71,048 
|Lease                                           |  |                                 |        
|Dividends                                       |  | 87,396                           |        
|Other                                           |  | 22,418                           |        
|                                                |  |                                  |        
|Total Revenues                                  |  | 180,862                          |        
|                                                |  |                                  |        
|Operating Expenses                              |  |                                  |        
|General and Administrative                      |  | 123,201                          |        
|Depreciation                                    |  |                                 |        
|                                                |  |                                  |        
|Total Operating Expenses                        |  | 123,201                          |        
|                                                |  |                                  |        
|Gain From Operations                            |  | 57,661                           |        
|                                                |  |                                  |        
|Other Income (Loss)                             |  |                                  |        
|Loss on Sale of Marketable Securities           |  | (9,927                           | )      
|Provision for Equity in Gain of American Equity |  | 233,201                          |        
|                                                |  |                                  |        
|Total Other Income (Loss)                       |  | 223,274                          |        
|                                                |  |                                  |        
|Income (Loss) Before Income Taxes               |  | 280,935                          |        
|Provision for Income Taxes                      |  | 6,407                            |        
|                                                |  |                                  |        
|Net Income (Loss)                               |  | $                                | 287,342
|                                                |  |                                  |        
|Income (Loss) Per Common Share                  |  | $                                | 0.20   
|                                                |  |                                  |        

See accompanying notes to financial
statements.



F-4





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TWENTY SERVICES, INC.Statements of Comprehensive Income



|                                                                              |  | For the Years Ended December 31, |        
|----------------------------------------------------------------------------- |  | -------------------------------- | -------
|                                                                              |  |                                  |        
|                                                                              |  | 2002                             |        
|                                                                              |  |                                  |        
|                                                                              |  |                                  |        
|Net Income (Loss)                                                             |  | $                                | 287,342
|                                                                              |  |                                  |        
|Other Comprehensive Income, Net of Tax - Unrealized Gain (Loss) on
Secutiries |  | (9,306                           | )      
|                                                                              |  |                                  |        
|                                                                              |  |                                  |        
|Comprehensive Income                                                          |  | $                                | 278,036
|                                                                              |  |                                  |        

See accompanying notes to financial
statements.

F-5



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TWENTY SERVICES, INC.Statements of Cash Flows



|                                                    |  | For the Years Ended December 31, |        
|--------------------------------------------------- |  | -------------------------------- | -------
|                                                    |  |                                  |        
|                                                    |  | 2002                             |        
|                                                    |  |                                  |        
|                                                    |  |                                  |        
|Cash Flows From Operating Activities                |  |                                  |        
|Interest and Dividends Received                     |  | $                                | 158,686
|Lease Income                                        |  |                                 |        
|Other Income                                        |  | 10,009                           |        
|Cash Paid to Suppliers and Employees                |  | (134,584                         | )      
|Income Tax Refunds Received                         |  |                                 |        
|                                                    |  |                                  |        
|                                                    |  |                                  |        
|Net Cash Flows From Operating
Activities            |  | 34,111                           |        
|                                                    |  |                                  |        
|                                                    |  |                                  |        
|Cash Flows From Investing Activities                |  |                                  |        
|Principal Collected on Loans                        |  | 6,371                            |        
|Loans Made to Customers                             |  |                                 |        
|Principal Collected on Held-To-Maturity
Securities  |  | 109                              |        
|Proceeds From Sale of Available-for-Sale Securities |  | 716,646                          |        
|Purchases of Available-for Sale Securities          |  | (632,687                         | )      
|                                                    |  |                                  |        
|                                                    |  |                                  |        
|Net Cash Flows From Investing Activities            |  | 90,439                           |        
|                                                    |  |                                  |        
|                                                    |  |                                  |        
|Cash Flows From Financing Activities                |  |                                  |        
|Preferred Stock Dividends Paid                      |  | (31,930                          | )      
|Purchase of Treasury Stock                          |  | (18,948                          | )      
|                                                    |  |                                  |        
|                                                    |  |                                  |        
|Net Cash Flows From Financing Activities            |  | (50,878                          | )      
|                                                    |  |                                  |        
|                                                    |  |                                  |        
|Net Increase in Cash and Cash
Equivalents           |  | 73,672                           |        
|                                                    |  |                                  |        
|Cash and Cash Equivalents-Beginning of Year         |  | 206,208                          |        
|                                                    |  |                                  |        
|                                                    |  |                                  |        
|Cash and Cash Equivalents-End of Year               |  | $                                | 279,880
|                                                    |  |                                  |        

See accompanying notes to financial
statements.

F-6



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TWENTY SERVICES, INC.Statements of Cash Flows (continued)



|                                                                |  | For the Years Ended December 31, |        
|--------------------------------------------------------------- |  | -------------------------------- | -------
|                                                                |  |                                  |        
|                                                                |  | 2002                             |        
|                                                                |  |                                  |        
|                                                                |  |                                  |        
|Reconciliation of Net Income to Net
Cash                        |  |                                  |        
|Cash From From Operating Activities                             |  |                                  |        
|Net Income (Loss)                                               |  | $                                | 287,342
|Adjustments to Reconcile Net Income to Net Operating Activities |  |                                  |        
|Depreciation and Amortization                                   |  |                                 |        
|Other Noncash Income                                            |  | (12,409                          | )      
|Provision for Equity in Gain of American
Equity                 |  | (233,201                         | )      
|Loss on Sale of Marketable Securities                           |  | 9,927                            |        
|Provision for Recovery of Prior Year Income
Taxes               |  |                                 |        
|Net Change in Deferred Income Taxes                             |  | (6,407                           | )      
|(Increase) Decrease in Accounts Receivable                      |  | 242                              |        
|Increase (Decrease) in Accounts Payable and Accrued Liabilities |  | (11,383                          | )      
|                                                                |  |                                  |        
|                                                                |  |                                  |        
|Net Cash Flows From Operating
Activities                        |  | $                                | 34,111 
|                                                                |  |                                  |        

See accompanying notes to financial
statements.

F-7



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TWENTY SERVICES, INC.Statements of Changes in Stockholders EquityFor the Years Ended December 31, 2002, 2001, and 2000



|                                                                                                    |  | PreferredStock $.10 |        | CommonStock $.10 |   | AdditionalPaid-InCapital |  | RetainedEarnings |           | AccumulatedOtherComprehensiveIncome |   | Investmentin TwentyServicesHolding,Inc. |   | PreferredTreasuryStock |          | CommonTreasuryStock |   | Total     |  
|--------------------------------------------------------------------------------------------------- |  | ------------------- | ------ | ---------------- | - | ------------------------ |  | ---------------- | --------- | ----------------------------------- | - | --------------------------------------- | - | ---------------------- | -------- | ------------------- | - | --------- | -
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|Balance - December 31, 1999                                                                         |  | $                   | 50,511 |                  | $ | 128,307                  |  | $                | 1,528,768 |                                     | $ | 1,365,481                               |   | $                      | (356,387 | )                   | $ | (60,000   | )
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|Net Income                                                                                          |  |                    |        |                 |   |                         |  | 77,915           |           |                                    |   |                                        |   |                       |          |                    |   | 77,915    |  
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|Purchase of Treasury Stock                                                                          |  |                    |        |                 |   |                         |  |                 |           |                                    |   |                                        |   | (904                   | )        | (76,983             | ) | (77,887   | )
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|Dividends on Preferred Stock, ($.07 Per Share)                                                      |  |                    |        |                 |   |                         |  | (35,358          | )         |                                    |   |                                        |   |                       |          |                    |   | (35,358   | )
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|Share of Increase in American Equity Capital, Net of
Deferred Income Tax of $1,592                  |  |                    |        |                 |   | 300,391                  |  |                 |           |                                    |   |                                        |   |                       |          |                    |   | 300,391   |  
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|Change in Unrealized Loss on Available-for-Sale Securities, Net of Deferred
Income Tax of $23,600   |  |                    |        |                 |   |                         |  |                 |           | 70,803                              |   |                                        |   |                       |          |                    |   | 70,803    |  
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|Balance - December 31, 2000                                                                         |  | 50,511              |        | 128,307          |   | 1,829,159                |  | 1,408,038        |           | (285,584                            | ) | (60,000                                 | ) | (3,657                 | )        | (124,297            | ) | 2,942,477 |  
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|Net Loss                                                                                            |  |                    |        |                 |   |                         |  | (89,070          | )         |                                    |   |                                        |   |                       |          |                    |   | (89,070   | )
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|Purchase of Treasury Stock                                                                          |  |                    |        |                 |   |                         |  |                 |           |                                    |   |                                        |   | (1,447                 | )        | (47,127             | ) | (48,574   | )
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|Dividend on Preferred Stock ($.07 Per Share)                                                        |  |                    |        |                 |   |                         |  | (35,358          | )         |                                    |   |                                        |   |                       |          |                    |   | (35,358   | )
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|Change in Unrealized Loss on Available-for-Sale
Securities, Net of Deferred Income Tax of $(77,761) |  |                    |        |                 |   |                         |  |                 |           | 233,283                             |   |                                        |   |                       |          |                    |   | 233,283   |  
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  
|Share of Increase of American Equity Capital, Net of Deferred Income Tax of
$(65,432)               |  |                     |       |                  |   |                         |  |                  | (210,529  | )                                   |   |                                        |   |                        |         |                     |   |          |  
|                                                                                                    |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |   |                        |          |                     |   |           |  

F-8



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TWENTY SERVICES, INC.Statements of Changes in Stockholders Equity (continued)For the
Years Ended December 31, 2002, 2001, and 2000



|                                                                                                   |  | PreferredStock $.10 |        | CommonStock $.10 |   | AdditionalPaid-InCapital |  | RetainedEarnings |           | AccumulatedOtherComprehensiveIncome |   | Investmentin TwentyServicesHolding,Inc. |  | PreferredTreasuryStock |         | CommonTreasuryStock |   | Total   |  
|-------------------------------------------------------------------------------------------------- |  | ------------------- | ------ | ---------------- | - | ------------------------ |  | ---------------- | --------- | ----------------------------------- | - | --------------------------------------- |  | ---------------------- | ------- | ------------------- | - | ------- | -
|                                                                                                   |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |  |                        |         |                     |   |         |  
|                                                                                                   |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |  |                        |         |                     |   |         |  
|Balance - December 31, 2001                                                                        |  | $                   | 50,511 |                  | $ | 128,307                  |  | $                | 1,618,630 |                                     | $ | 1,283,610                               |  | $                      | (52,301 | )                   | $ | (60,000 | )
|                                                                                                   |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |  |                        |         |                     |   |         |  
|Net Income                                                                                         |  |                    |        |                 |   |                         |  | 287,342          |           |                                    |   |                                        |  |                       |         |                    |   | 287,342 |  
|                                                                                                   |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |  |                        |         |                     |   |         |  
|Purchase of Treasury Stock                                                                         |  |                    |        |                 |   |                         |  |                 |           |                                    |   |                                        |  | (1,804                 | )       | (17,144             | ) | (18,948 | )
|                                                                                                   |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |  |                        |         |                     |   |         |  
|Dividends on Preferred Stock ($.07 Per Share)                                                      |  |                    |        |                 |   |                         |  | (33,707          | )         |                                    |   |                                        |  |                       |         |                    |   | (33,707 | )
|                                                                                                   |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |  |                        |         |                     |   |         |  
|Share of Increase in American Equity Capital, Net of
Deferred Income Tax Charge of ($144,207)      |  |                    |        |                 |   | 199,417                  |  |                 |           |                                    |   |                                        |  |                       |         |                    |   | 199,417 |  
|                                                                                                   |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |  |                        |         |                     |   |         |  
|Change in Unrealized Loss on Available-for-Sale Securities, Net of Deferred
Income Tax of ($3,103) |  |                    |        |                 |   |                         |  |                 |           | (9,306                              | ) |                                        |  |                       |         |                    |   | (9,306  | )
|                                                                                                   |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |  |                        |         |                     |   |         |  
|                                                                                                   |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |  |                        |         |                     |   |         |  
|Balance - December 31, 2002                                                                        |  | $                   | 50,511 |                  | $ | 128,307                  |  | $                | 1,818,047 |                                     | $ | 1,537,245                               |  | $                      | (61,607 | )                   | $ | (60,000 | )
|                                                                                                   |  |                     |        |                  |   |                          |  |                  |           |                                     |   |                                         |  |                        |         |                     |   |         |  

F-9



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TWENTY SERVICES, INC.Notes to Financial StatementsFor the Years Ended December 31, 2002, 2001, and 2000

Note 1  Accounting Policies

Income Recognition- Interest income from finance
receivables is recognized using the interest (actuarial) method. Accrual of interest income on finance receivables is suspended when a loan is contractually delinquent for 90 days or more and resumed when the loan becomes contractually
current.

Estimates- The preparation of financial statements in conformity with generally accepted accounting principles requires
management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses
during the reporting period. Actual results could differ from those estimates.

Credit Losses- Provisions for credit losses are
charged to income in amounts sufficient to maintain the allowance at a level considered adequate to cover the losses of principal and interest in the existing portfolio. The Companys charge-off policy is based on a loan-by-loan review for all
receivables that are charged off when they are deemed uncollectible.

Cash Equivalents- Holdings of highly liquid investments with
original maturities of three months or less and investments in money market funds are considered to be cash equivalents.

Marketable
Securities- On January 1, 1995, the Company adopted the provisions of Statement of Financial Accounting Standards No. 115, Accounting for Certain Investments in Debt and Equity Securities.

Management determines the appropriate classification of its investment in debt and equity securities at the time of purchase and reevaluates such determination at each balance
sheet date. The Companys securities are classified in two categories and accounted for as follows:

Securities Held-to-Maturity.Bonds, notes, certain preferred stocks and other debt securities for which
the Company has the positive intent and ability to hold to maturity are reported at cost, adjusted for amortization of premiums and accretion of discounts which are recognized in interest income using methods which approximate level yields over the
period to maturity.

Securities Available-for-Sale.Bonds, notes and certain preferred stocks not classified as held-to-maturity and common stocks are reported at
fair value.

F-10



---

TWENTY SERVICES, INC.Notes to Financial Statements (Continued)For the Years Ended December
31, 2002, 2001, and 2000

Note 1  Accounting Policies (Continued)

Declines in the fair value of individual held-to-maturity and available-for-sale securities below their cost that are other than temporary result in write-downs of the individual securities to their fair value. The write-downs are included in
earnings as realized losses.

Unrealized holding gains and losses, net of deferred income taxes, on securities available-for-sale are reported as a net amount
in a separate component of stockholders equity until realized.

Realized gains and losses on the sale of securities available-for-sale are determined
using the specific-identification method.

Investment - American Equity Investment Life Holding Company- This investment is
accounted for on the Equity Basis.

Property and Equipment- Property and equipment are stated at cost. Expenditures for
repairs and maintenance are charged to expense as incurred and additions and improvements that significantly extend the lives of assets are capitalized. Upon sale or other retirement of depreciable property, the cost and accumulated depreciation are
removed from the related accounts and any gain or loss is reflected in operations.

Depreciation is provided primarily by the straight-line method over the
estimated useful lives of the depreciable assets, which is five years.

Income Taxes- Deferred income taxes are recognized for the
effects of temporary differences between financial statement and tax reporting.

Earnings Per Common Share- Earnings per common
share are determined by dividing net income (loss), after giving effect to preferred stock dividends, by the weighted average number of common shares outstanding during the year. The weighted average number of common shares outstanding for each of
the years ended December 31, 2002, 2001, and 2000 was 1,283,068.

F-11



---

TWENTY SERVICES, INC.Notes to Financial Statements (Continued)For the Years Ended December
31, 2002, 2001, and 2000

Note 2  Nature of Operations, Risks, and Uncertainties

The Company is primarily engaged in the general finance business. The Company grants commercial and personal real estate loans and general business and personal loans to customers located primarily in Alabama. The
majority of the loan portfolio is secured by various types of collateral including mortgages and security interests in equipment and other property with a significant concentration in loans collateralized by residential real estate.

Note 3  Fair Values of Financial Instruments

Statement of Financial Accounting
Standards (SFAS) No. 107, Disclosures about Fair Value of Financial Instruments, requires disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to
estimate that value. The following sets forth a comparison of fair values and carrying values of the Companys financial instruments subject to the provisions of SFAS No. 107.



|                               |  | 2002          |         | 2001      |  
|------------------------------ |  | ------------- | ------- | --------- | -
|                               |  |               |         |           |  
|                               |  | CarryingValue |         | FairValue |  
|                               |  |               |         |           |  
|                               |  |               |         |           |  
|Cash and Temporary Investments |  | $             | 279,880 |           | $
|Marketable Securities          |  | 1,731,498     |         | 1,731,498 |  
|Finance Receivables, Net       |  |               | 78,069  |           |  

The following methods and
assumptions were used by the Company in estimating the fair values of financial instruments:

Short-term financial instruments are carried at their carrying amounts reported in the balance sheet that are reasonable estimates
of fair values due to the relatively short period to maturity of the instruments. This approach applies to cash and temporary investments, finance receivables, notes receivable from related parties and other receivables.

Marketable securities are valued
at quoted market values.

F-12



---

TWENTY SERVICES, INC.Notes to Financial Statements (Continued)For the Years Ended December
31, 2002, 2001, and 2000

Note 4  Marketable Securities

The amortized
cost and aggregate fair values of investments in securities are as follows:



|                                                                                     |  | AmortizedCost |           | GrossUnrealizedGains |   | GrossUnrealizedLosses |  | FairValue |          
|------------------------------------------------------------------------------------ |  | ------------- | --------- | -------------------- | - | --------------------- |  | --------- | ---------
|                                                                                     |  |               |           |                      |   |                       |  |           |          
|                                                                                     |  |               |           |                      |   |                       |  |           |          
|December 31, 2002                                                                    |  |               |           |                      |   |                       |  |           |          
|                                                                                     |  |               |           |                      |   |                       |  |           |          
|Available-for-Sale Securities                                                        |  |               |           |                      |   |                       |  |           |          
|Equity Securities                                                                    |  | $             | 921,475   |                      | $ | 57,667                |  | $         | 9,607    
|Debt Securities                                                                      |  | 863,976       |           | 19,180               |   | 124,565               |  | 758,591   |          
|                                                                                     |  |               |           |                      |   |                       |  |           |          
|Total Available-for-Sale Securities                                                  |  | $             | 1,785,451 |                      | $ | 76,847                |  | $         | 1,862,298
|                                                                                     |  |               |           |                      |   |                       |  |           |          
|                                                                                     |  |               |           |                      |   |                       |  |           |          
|Held-to-Maturity Securities Obligations of U.S. Government Corporations and
Agencies |  | $             | 3,372     |                      | $ |                      |  | $         |         
|                                                                                     |  |               |           |                      |   |                       |  |           |          
|                                                                                     |  |               |           |                      |   |                       |  |           |          
|December 31, 2001                                                                    |  |               |           |                      |   |                       |  |           |          
|                                                                                     |  |               |           |                      |   |                       |  |           |          
|Available-for-Sale Securities                                                        |  |               |           |                      |   |                       |  |           |          
|Equity Securities                                                                    |  | $             | 1,276,462 |                      | $ | 42,750                |  | $         | 42,168   
|Debt Securities                                                                      |  | 602,875       |           | 6,170                |   | 76,486                |  | 532,559   |          
|                                                                                     |  |               |           |                      |   |                       |  |           |          
|Total Available-for-Sale Securities                                                  |  | $             | 1,879,337 |                      | $ | 48,920                |  | $         | 118,654  
|                                                                                     |  |               |           |                      |   |                       |  |           |          
|                                                                                     |  |               |           |                      |   |                       |  |           |          
|Held-to-Maturity Securities Obligations of U.S. Government Corporations and
Agencies |  | $             | 3,481     |                      | $ |                      |  | $         |         
|                                                                                     |  |               |           |                      |   |                       |  |           |          

The amortized cost and aggregate fair value of debt
securities at December 31, 2002 and 2001, by contractual maturity, are as follows. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call prepayment
penalties.

F-13



---

TWENTY SERVICES, INC.Notes to Financial Statements (Continued)For the Years Ended December
31, 2002, 2001, and 2000

Note 4  Marketable Securities (Continued)



|                          |  | Available-for-Sale |         | Held-to-Maturity |  
|------------------------- |  | ------------------ | ------- | ---------------- | -
|                          |  |                    |         |                  |  
|                          |  | AmortizedCost      |         | MarketValue      |  
|                          |  |                    |         |                  |  
|                          |  |                    |         |                  |  
|December 31, 2002         |  |                    |         |                  |  
|                          |  |                    |         |                  |  
|Corporate Due In:         |  |                    |         |                  |  
|Within 1 Year             |  | $                  | 152,783 |                  | $
|1-5 Years                 |  | 95,005             |         | 68,000           |  
|6-10 Years                |  | 100,004            |         | 58,875           |  
|After 10 Years            |  | 376,878            |         | 334,569          |  
|                          |  |                    |         |                  |  
|                          |  | 724,670            |         | 614,819          |  
|U.S. Government           |  |                    |         |                  |  
|Corporations and Agencies |  |                    |         |                  |  
|Due In:                   |  |                    |         |                  |  
|After 10 Years            |  | 139,306            |         | 143,772          |  
|                          |  |                    |         |                  |  
|Total                     |  | $                  | 863,976 |                  | $
|                          |  |                    |         |                  |  
|                          |  |                    |         |                  |  
|December 31, 2001         |  |                    |         |                  |  
|                          |  |                    |         |                  |  
|Corporate Due In:         |  |                    |         |                  |  
|1-5 Years                 |  | $                  | 247,788 |                  | $
|6-10 Years                |  | 100,004            |         | 84,500           |  
|After 10 Years            |  | 255,083            |         | 218,039          |  
|                          |  |                    |         |                  |  
|                          |  | 602,875            |         | 532,559          |  
|U.S. Government           |  |                    |         |                  |  
|Corporations and Agencies |  |                    |         |                  |  
|Due In:                   |  |                    |         |                  |  
|After 10 Years            |  |                   |         |                 |  
|                          |  |                    |         |                  |  
|Total                     |  | $                  | 602,875 |                  | $
|                          |  |                    |         |                  |  

Proceeds from the sale of available-for-sale
securities were $716,646 for the year ended December 31, 2002. A net loss of $9,927 was realized. There were no sales of held-to-maturity securities for the year ended December 31, 2002.

Proceeds from the sale of available-for-sale securities were $39,041 for the year ended December 31, 2001. A net loss of $519 was realized. There were no sales of held-to-maturity securities during the year ended
December 31, 2001.

F-14



---

TWENTY SERVICES, INC.Notes to Financial Statements (Continued)For the Years Ended December
31, 2002, 2001, and 2000

Note 4  Marketable Securities (Continued)

At
December 31, 2001, certain securities classified as available-for-sale were written down to the estimated realizable values because, in the opinion of management, the decline in market value of those securities is considered to be other than
temporary. The write-down of $138,691 was recorded as a realized loss on sale-of-securities.

Note 5  Finance Receivables and Allowance for Credit Losses

Finance receivables consisted of the following at December 31:



|                                 |  | 2002   |        | 2001   |  
|-------------------------------- |  | ------ | ------ | ------ | -
|                                 |  |        |        |        |  
|                                 |  |        |        |        |  
|Real Estate                      |  | $      | 30,845 |        | $
|Business and Other               |  | 57,574 |        | 59,449 |  
|                                 |  |        |        |        |  
|Total Finance Receivables        |  | 88,419 |        | 94,790 |  
|Less Allowance for Credit Losses |  | 10,350 |        | 10,350 |  
|                                 |  |        |        |        |  
|                                 |  |        |        |        |  
|Finance Receivables, Net         |  | $      | 78,069 |        | $
|                                 |  |        |        |        |  

At December 31, 2002, contractual maturities of
finance receivables were as follows:



|                   |  | 2003   |        | 2004 |   | 2005  |  | 2006 |       | 2007 |   | After |  | Total  |      
|------------------ |  | ------ | ------ | ---- | - | ----- |  | ---- | ----- | ---- | - | ----- |  | ------ | -----
|                   |  |        |        |      |   |       |  |      |       |      |   |       |  |        |      
|                   |  |        |        |      |   |       |  |      |       |      |   |       |  |        |      
|Real Estate        |  | $      | 2,270  |      | $ | 1,168 |  | $    | 1,283 |      | $ | 1,421 |  | $      | 1,563
|Business and Other |  | 56,614 |        | 960  |   |      |  |     |       |     |   |      |  | 57,574 |      
|                   |  |        |        |      |   |       |  |      |       |      |   |       |  |        |      
|                   |  |        |        |      |   |       |  |      |       |      |   |       |  |        |      
|Totals             |  | $      | 58,884 |      | $ | 2,128 |  | $    | 1,283 |      | $ | 1,421 |  | $      | 1,563
|                   |  |        |        |      |   |       |  |      |       |      |   |       |  |        |      

Note 6  Investment - American Equity Investment Life Holding
Company (American)

The Companys investment of 1.64% of the common stock of American is accounted for under the equity method because the Company
exercises significant influence over its operating and financial activities. Accordingly, the investment in American is carried at cost, adjusted for the Companys proportionate share of earnings or losses.

On December 27, 1995, the Company invested $790,000 in American. This was a new company formed by the Chairman of the Board of Twenty Services, Inc. He is Chairman and Chief
Executive Officer of American.

During 1997, American sold 3,240,864 of common stock for net proceeds of $47,246,469. The transaction caused the Companys
percentage of ownership to decrease from 6.7% to 1.79%.

F-15



---

TWENTY SERVICES, INC.Notes to Financial Statements (Continued)For the Years Ended December
31, 2002, 2001, and 2000

Note 6  Investment - American Equity Investment Life Holding Company (American) (continued)

During 1998, American sold 625,000 shares of preferred stock for net proceeds of $625,000. American also sold 161,098 shares of common stock for net proceeds of $10,625,550. These transactions caused
the Companys percentage of ownership to decrease from 1.79% to 1.72%.

During 1999, American sold 130,348 shares of common stock for net proceeds of
$1,405,094. The transaction caused the Companys percentage of ownership to decrease from 1.72% to 1.68%.

During 2000, American effected a
three-for-one-split that resulted in the issuance of 9,424,620 of common stock and a corresponding decrease of $9,425,000 in additional paid in capital. In addition, the Company issued 477,687 shares of common stock for net proceeds of $1,956,000.
American also acquired 84,375 shares of common stock for $619,000. These transactions caused the Companys percentage of ownership to decrease from 1.68% to 1.63%.

There was no change in the Companys ownership percentage in 2001.

During 2002, American issued 34,228 shares of common
stock for net proceeds of $137,000. American also acquired 112,750 shares of common stock for $857,000. These transactions caused the Companys percentage of ownership to increase from 1.63% to 1.64%.

The following is a summary of the audited balance sheets and statements of operations of American:



|                                           |  | 2002        |               | 2001        |  
|------------------------------------------ |  | ----------- | ------------- | ----------- | -
|                                           |  |             |               |             |  
|                                           |  |             |               |             |  
|Total Assets                               |  | $           | 6,042,266,000 |             | $
|                                           |  |             |               |             |  
|                                           |  |             |               |             |  
|Total Liabilities                          |  | $           | 5,864,302,000 |             | $
|Minority Interest                          |  | 100,486,000 |               | 100,155,000 |  
|Stockholders Equity                       |  | 77,478,000  |               | 42,567,000  |  
|                                           |  |             |               |             |  
|                                           |  |             |               |             |  
|Total Liabilities and Stockholders
Equity |  | $           | 6,042,266,000 |             | $
|                                           |  |             |               |             |  
|                                           |  |             |               |             |  
|Revenues                                   |  | $           | 279,713,000   |             | $
|Minority Interest                          |  | 7,445,000   |               | 7,449,000   |  
|Benefits and Expenses                      |  | 258,061,000 |               | 172,055,000 |  
|                                           |  |             |               |             |  
|                                           |  |             |               |             |  
|Net Gain                                   |  | $           | 14,207,000    |             | $
|                                           |  |             |               |             |  

F-16



---

TWENTY SERVICES, INC.Notes to Financial Statements (Continued)For the Years Ended December
31, 2002, 2001, 2000

Note 6  Investment - American Equity Investment Life Holding Company (American) (continued)

For 2002, as required by the equity method of accounting, the Companys investment of $694,937 increased by $233,201, which is 1.64% of Americans income. The investment was increased by
$343,625, net of deferred tax charge of $144,207 for the Companys share of Americans increase in capital. The net effect of the Companys investment was an increase of $576,826.

For 2001, as required by the equity method of accounting, the Companys investment of $956,662 increased by $14,236, which is 1.63% of Americans income. The investment was decreased by
$275,961, net of deferred tax benefit of $65,432 for the Companys share of Americans decrease in capital. The net effect on the Companys investment in American is a decrease of $261,725.

For 2000, as required by the equity method of accounting, the Companys investment of $576,648 was increased by $78,031, which is 1.63% of Americans income. The investment was also
increased by $301,983, net of deferred tax of $1,592 for the Companys share of Americans increase in capital. The net effect on the Companys investment in American is an increase of $380,014.

Note 7  Property and Equipment

Property and equipment consisted of the following at December
31:



|                                     |  | 2002    |        | 2001    |  
|------------------------------------ |  | ------- | ------ | ------- | -
|                                     |  |         |        |         |  
|                                     |  |         |        |         |  
|Equipment, Furniture and Automobiles |  | $       | 24,494 |         | $
|Less Accumulated Depreciation        |  | (24,494 | )      | (24,494 | )
|                                     |  |         |        |         |  
|                                     |  |         |        |         |  
|Net Property and Equipment           |  | $       |       |         | $
|                                     |  |         |        |         |  

Note 8  Income Taxes

Temporary differences giving rise to the deferred tax liability (benefit) consist primarily of gains and losses on investments recognized for financial reporting purposes that are
not recognized for tax purposes and the increase or decrease in the value of the Companys investment in American Equity Life Holding Company.

The
provision for income taxes was as follows for the years ended December 31:



|                       |  | 2002 |       | 2001 |   | 2000   |  
|---------------------- |  | ---- | ----- | ---- | - | ------ | -
|                       |  |      |       |      |   |        |  
|Current                |  |      |       |      |   |        |  
|Deferred Tax Provision |  | $    | 6,407 |      | $ | (1,521 | )
|                       |  |      |       |      |   |        |  

F-17



---

TWENTY SERVICES, INC.Notes to Financial Statements (Continued)For the Years Ended December
31, 2002, 2001, 2000

Note 8  Income Taxes (continued)

Deferred tax
assets and liabilities at December 31 consisted of the following:



|                                                                                     |  | 2002     |          | 2001    |  
|------------------------------------------------------------------------------------ |  | -------- | -------- | ------- | -
|                                                                                     |  |          |          |         |  
|Deferred Tax Assets                                                                  |  |          |          |         |  
|Net Unrealized Loss on Available-for-Sale Securities                                 |  | $        | 14,332   |         | $
|Net Operating Loss Carryforwards                                                     |  | 115,159  |          | 97,070  |  
|Net Unrealized Loss on Investment in American Equity Investment Life Holding
Company |  |         |          | 23,766  |  
|Other                                                                                |  | 693      |          | 490     |  
|                                                                                     |  |          |          |         |  
|                                                                                     |  | 130,184  |          | 138,760 |  
|Less Valuation Allowance                                                             |  | 115,159  |          | 97,070  |  
|                                                                                     |  |          |          |         |  
|Total Deferred Tax Assets                                                            |  | 15,025   |          | 41,690  |  
|                                                                                     |  |          |          |         |  
|Deferred Tax Liability                                                               |  |          |          |         |  
|Net Unrealized Gain on Investment in American Equity Investment Life Holding
Company |  | (120,441 | )        |        |  
|                                                                                     |  |          |          |         |  
|                                                                                     |  |          |          |         |  
|Net Deferred Tax Asset (Liability)                                                   |  | $        | (105,416 | )       | $
|                                                                                     |  |          |          |         |  

The company has available at December 31, 2002,
$460,637 of unused operating and capital loss carryforwards that may be applied against future taxable income and that expire in the years 2020 through 2022.

Note 9 
Stockholders Equity

The preferred stock has a cumulative dividend of $.07 per share and is redeemable at the Companys option of $1.05 per
share. In the event of liquidation, the preferred stockholders receive $1.05 per share before any distributions are made to common stockholders. The 1999 dividend (approximately $35,000) was declared in February 2000 and paid in March 2000. The 2000
dividend (approximately $35,000) was declared in February 2001 and paid in March 2001. The 2001 dividend (approximately $33,700) was declared February 2002 and paid in March 2002.

Note 10  Investment in Twenty Services Holding, Inc.

The Company owns 6,000 shares of common stock of Twenty Services Holding, Inc. (the
Holding Company), a holding company that owns approximately 54% of the Companys outstanding common stock. The amount paid for the Holding Companys common stock of $60,000 has been deducted from stockholders equity in the
accompanying balance sheet.

F-18



---

TWENTY SERVICES, INC.Notes to Financial Statements (Continued)For the Years Ended December
31, 2002, 2001, 2000

Note 11  Concentration of Credit Risk

The
Company maintains an investment account with a brokerage firm. Balances are insured up to $500,000 (with a limit of $100,000 for cash) by the Securities Investor Protection Corporation. The Company had $1,490,003 of uninsured investments at December
31, 2002.

Note 12  Treasury Stock

The Company purchased 13,716 shares of
its common stock for an aggregate purchase price of $17,144, or $1.25 per share, and 7,215 shares of its preferred stock for an aggregate purchase price of $1,804, or $.25 per share, during the year ended December 31, 2002. The shares are held as
common treasury stock and preferred treasury stock.

The Company purchased 37,701 shares of its common stock for an aggregate purchase price of $47,127, or
$1.25 per share, and 5,788 shares of its preferred stock for an aggregate purchase price of $1,447, or $.25 per share, during the year ended December 31, 2001. The shares are held as common treasury stock and preferred treasury stock.

The Company purchased 61,957 shares of its common stock for an aggregate purchase price of $76,983, or $1.25 per share, and 3,615 shares of its preferred stock for an
aggregate purchase price of $904, or $.25 per share, during the year ended December 31, 2000. The shares are held as common treasury stock and preferred treasury stock.

F-19



---

TWENTY SERVICES, INC.Schedule I - Marketable Securities - Other InvestmentsFor the Year Ended December 31, 2002



|Name of issuer and title of each issue                                 |  | Number ofshares orunits -principalamountof bondsand notes |         | Cost ofeach issue |   | Marketvalueof eachissueat balancesheet date |  | Amount atwhich eachportfolio
ofequitysecurity issuesand each othersecurity issuecarried in theissue balancesheet |        
|---------------------------------------------------------------------- |  | --------------------------------------------------------- | ------- | ----------------- | - | ------------------------------------------- |  | ---------------------------------------------------------------------------------------------------------------- | -------
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|Equity Securities
Available-for-Sale:                                  |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|Fedl Rlty Invt Tr Pfd 7.95%                                            |  |                                                           | 10,000  |                   | $ | 250,000                                     |  | $                                                                                                                | 249,000
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|Merrill Lynch & Co Inc 9% Dep Shs Rep Ser A
1/400 Cum Pfd              |  | 2000                                                      |         | 50,000            |   | 55,700                                      |  | 55,700                                                                                                           |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|Taubman Center Inc Pfd 8.30%                                           |  | 1,300                                                     |         | 32,500            |   | 31,655                                      |  | 31,655                                                                                                           |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|West Bancorporation Inc                                                |  | 3150                                                      |         | 31,766            |   | 47,817                                      |  | 47,817                                                                                                           |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|Public Storage $2.45 Dep Shs Repstg 1/1000 A sh. of Eq                 |  | 3,000                                                     |         | 60,000            |   | 80,160                                      |  | 80,160                                                                                                           |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|HECO Capital Trust II Quids 7.3% Due
12/15/28                          |  | 6,000                                                     |         | 150,000           |   | 150,480                                     |  | 150,480                                                                                                          |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|AMF Bowling Worldwide, Inc. - Common                                   |  | 223                                                       |         | 5,352             |   | 4,183                                       |  | 4,183                                                                                                            |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|AMF Bowling Worldwide, Inc.
Ser B Warrants                             |  | 512                                                       |         | 2,560             |   | 1,920                                       |  | 1,920                                                                                                            |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|AMF Bowling Worldwide, Inc. Ser A Warrants                             |  | 524                                                       |         | 3,668             |   | 2,751                                       |  | 2,751                                                                                                            |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|Wachovia Pfd Fnd 7.25% Non Cum Perp
12/31/22                           |  | 5,000                                                     |         | 125,000           |   | 127,000                                     |  | 127,000                                                                                                          |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|Equity Office Prop 7.75% Cum Perp Pfd 7/29/07                          |  | 2,000                                                     |         | 50,000            |   | 51,160                                      |  | 51,160                                                                                                           |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|Realty Income Corp 8.25% Sr Unsecd Nts Due 2008
Monthly                |  | 6000                                                      |         | 150,005           |   | 162,120                                     |  | 162,120                                                                                                          |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|US Home & Garden Tr 1 Pfd 9.4% 04/30/28                                |  | 425                                                       |         | 10,624            |   | 5,589                                       |  | 5,589                                                                                                            |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|Total Equity Securities
Available-for-Sale                             |  |                                                           |         | 921,475           |   | 969,535                                     |  | 969,535                                                                                                          |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|Debt Securities Available-for-Sale:                                    |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|Federal Natl Mtg Assn Notes Cpn 6.710%Due 8/26/27                      |  | 140,000                                                   |         | 139,306           |   | 143,772                                     |  | 143,772                                                                                                          |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|JPM Capital Trust I Company GTD Cpn 7.540%Due 1/15/27                  |  | 120,000                                                   |         | 121,795           |   | 123,719                                     |  | 123,719                                                                                                          |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|Cendant Corp NT CPN 7.750% Due
12/01/03DTD 11/30/98 FC 06/01/99        |  | 150,000                                                   |         | 152,782           |   | 153,375                                     |  | 153,375                                                                                                          |        
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        
|Northwest Airlines Inc CPA 7.625% Due 03/15/05DTD 03/04/98 FC 09/15/98 |  |                                                           | 100,000 |                   |   | 95,005                                      |  |                                                                                                                  | 68,001 
|                                                                       |  |                                                           |         |                   |   |                                             |  |                                                                                                                  |        

F-20



---

TWENTY SERVICES, INC.Schedule I - Marketable Securities - Other Investments (continued)For
the Year Ended December 31, 2002



|Name of issuer and title of each issue      |  | Number ofshares orunits -principalamountof bondsand notes |  | Cost ofeach issue |           | Marketvalueof eachissueat balancesheet date |   | Amount atwhich eachportfolio
ofequitysecurity issuesand each othersecurity issuecarried in theissue balancesheet | 
|------------------------------------------- |  | --------------------------------------------------------- |  | ----------------- | --------- | ------------------------------------------- | - | ---------------------------------------------------------------------------------------------------------------- | 
|                                            |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|                                            |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|Debt Securities
Available-for-Sale:         |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|AES Corp Sr Notes Death Put CPN 8%          |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|Due 12/31/08 DTD 12/08/98 FC 03/31/99       |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|Call 12/31/00 @ 100                         |  | 100,000                                                   |  | $                 | 100,003   |                                             | $ | 58,875                                                                                                           | 
|                                            |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|Aetna Svc Inc GTD DEB CPN 7.625% Due        |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|08/15/26 DTD 08/19/96 FC 02/15/97           |  | 150,000                                                   |  | 156,152           |           | 168,349                                     |   | 168,349                                                                                                          | 
|                                            |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|Land O Lakes Cap Trst 1 144A B/E CPN 7.45%  |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|Due 03/15/28 DTD 03/25/98 FC 09/15/98       |  | 100,000                                                   |  | 98,933            |           | 42,500                                      |   | 42,500                                                                                                           | 
|                                            |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|                                            |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|Total Debt Securities Available-for-Sale    |  |                                                           |  | 863,976           |           | 758,591                                     |   | 758,591                                                                                                          | 
|                                            |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|                                            |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|Debt Securities Held-to-Maturity           |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|GNMA Mortgage Backed Certificates, Due 2012 |  |                                                           |  | 3,372             |           | 3,372                                       |   | 3,372                                                                                                            | 
|                                            |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|                                            |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 
|Total                                       |  |                                                           |  | $                 | 1,788,823 |                                             | $ | 1,731,498                                                                                                        | 
|                                            |  |                                                           |  |                   |           |                                             |   |                                                                                                                  | 

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