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2002 Annual Report

The Goldman Sachs 2002 Annual Report is available in two versions:

To request printed copies of the Annual Report, please call (212) 902-0300.

Except where specifically defined, the terms "Goldman Sachs," "firm," "we," "us" and "our" in this document may refer to The Goldman Sachs Group, Inc. and/or its subsidiaries and affiliates worldwide, or to one or more of them, depending on the context in each instance.

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