THE BEAR STEARNS COMPANIES INC. IncomeNotes(SM) With Maturities of Nine Months or More from Date of Issue Registration No. 333-121744 Filed Pursuant to Rule 424(b)(3) Pricing Supplement No. 10 (To Prospectus dated February 2, 2005, and Prospectus Supplement dated February 2, 2005) Trade Date: April 11, 2005 Issue Date: April 14, 2005 The date of this Pricing Supplement is April 11, 2005 ------------------------------------------------------------------------------------------------------------------------- Interest Maturity Price to Discounts & Payment CUSIP# Interest Rate Date Public Commissions Reallowance Dealer Frequency ------------------------------------------------------------------------------------------------------------------------- 07387EHH3 4.75% from and including 4/15/2025 100.00% 2.20% 0.350% 98.25% Quarterly 4/14/05, to but excluding 4/15/09. 6.50% from and including 4/15/09, to but excluding 4/15/25. ------------------------------------------------------------------------------------------------------------------------- 07387EHJ9 5.600% 4/15/2030 100.00% 2.50% 0.350% 98.00% Semi ------------------------------------------------------------------------------------------------------------------------- Subject to Redemption --------------------- ------------------------------------------------------------------------------------------------------------------------- First First Interest Interest Aggregate Payment Date Payment Survivor's Principal Amount Option Yes/No Date and Terms of Redemption Amount Net Proceeds ------------------------------------------------------------------------------------------------------------------------- 7/15/2005 $12.01 Yes Yes Commencing on 4/15/2009 and on the 15th of $787,000 $769,686 each month thereafter until Maturity, the Notes may be called in whole at par at the option of the Company on ten calendar days notice. ------------------------------------------------------------------------------------------------------------------------- 10/15/2005 $28.16 Yes Yes Commencing on 4/15/2010 and on the 15th of $223,000 $217,425 each month thereafter until Maturity, the Notes may be called in whole at par at the option of the Company on ten calendar days notice. ------------------------------------------------------------------------------------------------------------------------- *** The distribution of IncomeNotes will conform to the requirements set forth in Rule 2720 of the NASD Conduct Rules.