## Statements EFTA00197462 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY | | | | :--- | :--- | | ACCOUNT EXECUTIVE | ZICHERMAN,IRA | | TELEPHONE | | | VISIT OUR WEBSITE | www.bearstearns.com |
Financial Summary3
Your Portfolio Holdings4
Transaction Detail5
Fund Activity5
Your Messages7
## What’s In This Statement # HERITAGE INTERESTS FINANCIAL TRUST CO TTEE DTD 7-30-91 \* ATTN JEANIE BRENNAN 6100 RED HOOK QUARTER STE B-3 ST THOMAS VI 00802 Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD December 1, 2001 ACCOUNT NUMBER THROUGH December 31, 2001 TAXPAYER NUMBER On File | LAST STATEMENT | November 30, 2001 | | :--- | :--- | ## Your Portfolio at a Glance
TOTAL VALUE OF SECURITIES THIS PERIOD2,945,000
NET CREDIT BALANCE1,368,454
MONEY MARKET FUND BALANCE4,098,139
NET EQUITY THIS PERIOD$8,411,593
NET EQUITY LAST STATEMENT8,396,973
CHANGE SINCE LAST STATEMENT14,620
There are no "Stop Loss" orders or other pending buy or sell open orders on file for your account. Market Value of Your Portfolio Important Message If any information regarding 2001 interest, dividends, miscellaneous income, gross proceeds or original issue discount is required to be reported to the IRS for this account, a Consolidated Form 1099 will be mailed to you by January 31, 2002 or 1042S by March 15, 2002. Please report any difference or non-receipt of checks or stocks, indicated as delivered to you, to Client Services at 800-634-1428; or write to Client Services at Bear, Steams Securities Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-3859. This summary is for informational purposes only. It is not intended as a tax document. This statement should be retained for your records. See reverse side for important information. 027 01/03/02:08:34 001 EFTA00197463 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY 2 of 7 Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT BACKER IS PRINTED ON THIS PAGE 027 EFTA00197464 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 3 of 7 ## Cash Flow Analysis
THIS PERIOD
OpeningBalance$1,366,840.20
Money Fund8,006.44
Dividends/Interest1,613.65
Amount Credited$9,620.09
Money Fund-8,006.44
Amount Debited$-8,006.44
Net Cash Activity1,613.65
ClosingBalance$1,368,453.85
Same day transfers of cash between account types are not included in this section; such transfers, as well as details for all other transactions this period, appear in Transaction Detail. Cash Balance Summary
OPENINGCLOSING
Cash38,614.0238,800.57
Margin121,226.301,329,652.30
Short1,206,999.880.98
Net Cash Balance$1,366,840.20$1,368,453.85
Income Summary
THIS PERIODYEAR TO DATE
Dividends8,006.44193,955.43
Credit Balance Int.186.5528,925.93
Total$8,192.99$222,881.36
Portfolio Composition
Cash/Cash Equivalent5,466,593
Equities2,945,000
Total$8,411,593
CLEARED THROUGH ITS WHOLLY OWNED SUBSDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 ## HERITAGE INTERESTS STATEMENT PERIOD December 1, 2001 THROUGH December 31, 2001 ACCOUNT NUMBER TAXPAYER NUMBER On File Your Portfolio Allocation | LAST STATEMENT | November 30, 2001 | | :--- | :--- | Unshaded portions denote debit balance and/or short market values. The allocation percentage is derived from the absolute market value of your portfolio. 01/03/02;08:34 001 EFTA00197465 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 4 of 7 ## Your Portfolio Holdings ## CASH & CASH EQUIVALENTS
DESCRIPTIONSYMBOL/CUSIPQUANTITYPRICEMARKET VALUEESTIMATED ANNUAL INCOMECURRENT YIELD (%)
CASH BALANCE1,368,454
DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES EST. 30 DAY AVG YIELD 2,1000%DICCX4,098,139.091.00004,098,13994,2572.3000
TOTAL CASH & CASH EQUIVALENTS$5,466,593$94,257
## EQUITIES ## Equities & Options
DESCRIPTIONSYMBOL/CUSIPACCT TYPEQUANTITYPRICEMARKET VALUEESTIMATED ANNUAL INCOMECURRENT YIELD(%)
TYCO INTERNATIONAL LTDTYCCASH50,00058.90002,945,0002,5000.0849
Total Equities&Options$2,945,000$2,500
TOTAL EQUITIES$2,945,000$2,500
YOUR TOTAL ESTIMATED ANNUAL INCOME$96,757
YOUR PRICED PORTFOLIOHOLDINGS$8,411,592
CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 STATEMENT PERIOD December 1, 2001 HERITAGE INTERESTS THROUGH December 31, 2001 AGCOUNT NUMBER TAXPAYER NUMBER On File | LAST STATEMENT | November 30, 2001 | | :--- | :--- | 027 01/03/02;08:34 001 EFTA00197466 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 CLEARED THROUGH ITS CLEARLY WOUNDED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 **5 of 7** HERITAGE INTERESTS Transaction Detail STATEMENT PERIOD December 1, 2001 THROUGH December 31, 2001 INVESTMENT ACTIVITY ACCOUNT NUMBER TAXPAYER NUMBER On File | LAST STATEMENT | November 30, 2001 | | :--- | :--- |
SETTLEMENT DATETRADE DATETRANSACTIONDESCRIPTIONSYMBOL/CUSIPQUANTITYPRICEDEBIT AMOUNTCREDIT AMOUNT
12/27/01JOURNALPNC FINANCIAL SVCS GROUP INC
JOURNAL FROM TYPE 1 TO 2		PNC-10,000
12/27/01JOURNALPNC FINANCIAL SVCS GROUP INC
JOURNAL FROM TYPE 1 TO 2		PNC10,000
12/28/01JOURNALTYCO INTERNATIONAL LTD
JOURNAL FROM TYPE 1 TO 5
TO CLOSE OUT SHORT POS		TYC-11,000
12/28/01JOURNALPNC FINANCIAL SVCS GROUP INC
JOURNAL FROM TYPE 2 TO 5
TO CLOSE OUT SHORT POS		PNC-10,000
12/28/01JOURNALPNC FINANCIAL SVCS GROUP INC
JOURNAL FROM TYPE 2 TO 5
TO CLOSE OUT SHORT POS		PNC10,000
12/28/01JOURNALTYCO INTERNATIONAL LTD
JOURNAL FROM TYPE 1 TO 5
TO CLOSE OUT SHORT POS		TYC11,000
## MONEY FUND ACTIVITY
DATE MO/DAYTRANSACTIONDESCRIPTIONSYMBOL/CUSIPQUANTITYPRICEDEBIT AMOUNTCREDIT AMOUNT
12/01/01OPENINGBALANCE4,090,132.65
12/03/01DIVIDENDDREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES MONTHLY DIVIDENDDICCX8,006.44
12/03/01REINVESTDREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES DIVIDEND REINVESTEDDICCX8,006.448,006.44
027 01/03/02;08:34 001 EFTA00197467 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 CLEARED THROUGH ITS CLEARLY WOUNDED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 6 of 7 HERITAGE INTERESTS ## Transaction Detail (continued) STATEMENT PERIOD December 1, 2001 THROUGH December 31, 2001 MONEY FUND ACTIVITY (continued) TAXPAYER NUMBER On File | LAST STATEMENT | November 30, 2001 | | :--- | :--- |
DATE MO/DAYTRANSACTIONDESCRIPTIONSYMBOL/CUSIPQUANTITYPRICEDEBIT AMOUNTCREDIT AMOUNT
12/31/01CLOSINGBALANCE4,098,139.09
TOTAL-8,006.44$8,006.44
INTEREST
DATEDESCRIPTIONSYMBOL/CUSIPQUANTITYRATE (%)DEBIT AMOUNTCREDIT AMOUNT
12/21/01INTEREST ON CREDIT BALANCE AT 1 1/4% 12/11 THRU 12/201.250055.71
12/21/01INTEREST ON CREDIT BALANCE AT 1 1/2% 11/21 THRU 12/101.5000130.84
12/21/01SHT ACCT FEE 11/21-12 20 011,427.10
TOTAL$1,613.65
## MISCELLANEOUS
DATE MO/DAYTRANSACTIONDESCRIPTIONDEBIT AMOUNTCREDIT AMOUNT
12/03/01JOURNALMARK TO MARKET19,300.00
12/03/01JOURNALMARK TO MARKET SHORT POS19,300.00
12/10/01JOURNALMARK TO MARKET8,940.00
12/10/01JOURNALMARK TO MARKET SHORT POS8,940.00
12/17/01JOURNALMARK TO MARKET72,139.00
12/17/01JOURNALMARK TO MARKET SHORT POS72,139.00
12/24/01JOURNALMARK TO MARKET33,172.00
12/24/01JOURNALMARK TO MARKET SHORT POS33,172.00
027 01/03/02;08:34 001 EFTA00197468 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 7 of 7 ## **Transaction Detail** (continued) ## MISCELLANEOUS (continued)
DATE MO/DAYTRANSACTIONDESCRIPTIONDEBIT AMOUNTCREDIT AMOUNT
12/31/01JOURNALMARK TO MARKET1,197,699.00
12/31/01JOURNALMARK TO MARKET SHORT POS1,197,699.00
TOTAL-$1,331,250.00$1,331,250.00
## Your messages As part of the National Association of Securities Dealer's (NASD) Investor Education Program, you may obtain information on the NASD's Public Disclosure Program by contacting the NASD at telephone number (800) 289-9999 or via the internet address which is www.nasdr.com. In addition, a brochure explaining the Public Disclosure Program is available from the NASD upon request. CLEARED THROUGH ITS CLEARLY WOUNDED SUBSIDIARY ******* End of Statement******* Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD December 1, 2001 THROUGH December 31, 2001 ACCOUNT NUMBER TAXPAYER NUMBER On File | LAST STATEMENT | November 30, 2001 | | :--- | :--- | 027 01/03/02;08:34 001 EFTA00197469 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 | | | | :--- | :--- | | ACCOUNT EXECUTIVE | ZICHERMAN, IRA | | TELEPHONE | | | VISIT OUR WEBSITE | www.bearstearns.com | ## What’s In This Statement
Financial Summary3
Your Portfolio Holdings4
Transaction Detail5
Fund Activity5
CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY # HERITAGE INTERESTS FINANCIAL TRUST CO TTEE DTD 7-30-91 \* ATTN JEANIE BRENNAN 6100 RED HOOK QUARTER STE B-3 ST THOMAS VI 00802 Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD October 27,2001 TAXPAYER NUMBER On File ## Your Portfolio at a Glance | LAST STATEMENT | October 26, 2001 | | :--- | :--- | THROUGH November 30, 2001 ACCOUNT NUMBER There are no "Stop Loss" orders or other pending buy or sell open orders on file for your account.
TOTAL VALUE OF SECURITIES THIS PERIOD2,940,000
NET CREDIT BALANCE1,366,840
MONEY MARKET FUND BALANCE4,090,133
NET EQUITY THIS PERIOD$8,396,973
NET EQUITY LAST STATEMENT7,968,968
CHANGE SINCE LAST STATEMENT428,005
Market Value of Your Portfolio Please report any difference or non-receipt of checks or stocks, indicated as delivered to you, to Client Services at 800-634-1428; or write to Client Services at Bear, Steams Securities Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-3859. This summary is for informational purposes only. It is not intended as a tax document. This statement should be retained for your records. See reverse side for important information. 027 12/01/01:10:46 001 V513 EFTA00197470 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY 2 of 6 Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT BACKER IS PRINTED ON THIS PAGE 027 EFTA00197471 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 3 of 6 Cash Flow Analysis
THIS PERIOD
OpeningBalance$1,363,408.10
Money Fund9,573.11
Funds Deposited740.00
Dividends/Interest2,829.60
Amount Credited$13,142.71
Money Fund-9,573.11
Dividends/Interest Charged-137.50
Amount Debited$-9,710.61
Net Cash Activity3,432.10
Closing Balance$1,366,840.20
Same day transfers of cash between account types are not included in this section; such transfers, as well as details for all other transactions this period, appear in Transaction Detail. Cash Balance Summary
OPENINGCLOSING
Cash36,747.6938,614.02
Margin262,384.30121,226.30
Short1,064,276.111,206,999.88
Net Cash Balance$1,363,408.10$1,366,840.20
Income Summary
THIS PERIODYEAR TO DATE
Dividends10,335.61185,948.99
Credit Balance Int.363.8328,739.38
Total$10,699.44$214,688.37
Portfolio Composition
SHORTLONG
Cash/Cash Equivalent5,456,973
Equities1,226,3004,166,300
Total$1,226,300$9,623,273
Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS
STATEMENT PERIODOctober 27, 2001
THROUGHNovember 30, 2001
ACCOUNT NUMBER
TAXPAYER NUMBEROn File
LAST STATEMENTOctober 26, 2001
Your Portfolio Allocation EFTA00197472 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 4 of 6 ## Your Portfolio Holdings ## CASH & CASH EQUIVALENTS
DESCRIPTIONSYMBOL/CUSIPQUANTITYPRICEMARKET VALUEESTIMATED ANNUAL INCOMECURRENT YIELD (%)
CASH BALANCE1,366,840
DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD 2,3800%DICCX4,090,132.651.00004,090,133114,5242.8000
TOTAL CASH & CASH EQUIVALENTS$5,456,973$114,524
## EQUITIES ## Equities & Options
DESCRIPTIONSYMBOL/CUSIPACCT TYPEQUANTITYPRICEMARKET VALUEESTIMATED ANNUAL INCOMECURRENT YIELD (%)
PNC FINANCIAL SVCS GROUP INCPNCCASH10,00057.9500579,50019,2003.3132
PNC FINANCIAL SVCS GROUP INCPNCSHRT-10,00057.9500-579,500-19,2003.3132
TYCO INTERNATIONAL LTDTYCCASH61,00058.80003,586,8003,0500.0850
TYCO INTERNATIONAL LTDTYCSHRT-11,00058.8000-646,800-5500.0850
Total Equities& Options$2,940,000$2,500
TOTAL EQUITIES$2,940,000$2,500
YOUR TOTAL ESTIMATED ANNUAL INCOME$117,024
YOUR PRICED PORTFOLIOHOLDINGS$8,396,973
CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metratech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD October 27,2001 THROUGH November 30, 2001 AGCOUNT NUMBER TAXPAYER NUMBER On File | LAST STATEMENT | October 26, 2001 | | :--- | :--- | 027 12/01/01;10:46 001 EFTA00197473 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 CLEARED THROUGH ITS CLEARLY WOUNDED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 **5 of 6** HERITAGE INTERESTS Transaction Detail STATEMENT PERIOD October 27, 2001 ## DEPOSITS AND WITHDRAWALS THROUGH November 30, 2001 ACCOUNT NUMBER
DATETRANSACTIONDESCRIPTIONDEBIT AMOUNTCREDIT AMOUNT
11/19/01DEPOSITHERITAGE INTS OO BS MORGAN740.00
TOTAL$740.00
TAXPAYER NUMBER On File | LAST STATEMENT | October 26, 2001 | | :--- | :--- | ## MONEY FUND ACTIVITY
DATE MO/DAYTRANSACTIONDESCRIPTIONSYMBOL/CUSIPQUANTITYPRICEDEBIT AMOUNTCREDIT AMOUNT
10/27/01OPENINGBALANCE4,080,559.54
11/01/01DIVIDENDDREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES MONTHLY DIVIDENDDICCX9,573.11
11/01/01REINVESTDREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES DIVIDEND REINVESTEDDICCX9,573.119,573.11
11/30/01CLOSINGBALANCE4,090,132.65
TOTAL-9,573.11$9,573.11
## DIVIDENDS
DATEDESCRIPTIONSYMBOL/CUSIPQUANTITYRATE ($)DEBIT AMOUNTCREDIT AMOUNT
11/01/01TYCO INTERNATIONAL LTD
REC 10/01/01 PAY 11/01/01		TYC61,0000.0125762.50
11/01/01TYCO INTERNATIONAL LTD
DIV CHG 11000 SHS SHORT
REC 10/01/01 PAY 11/01/01		TYC137.50
TOTAL-137.50$762.50
027 12/01/01;10:46 001 EFTA00197474 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 CLEARED THROUGH ITS CLEARLY WOUNDED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 6 of 6 HERITAGE INTERESTS ## **Transaction Detail** (continued) INTEREST STATEMENT PERIOD October 27,2001 THROUGH November 30, 2001 AGCOUNT NUMBER
DATEDESCRIPTIONSYMBOL/CUSIPQUANTITYRATE (%)DEBIT AMOUNTCREDIT AMOUNT
11/21/01INTEREST ON CREDIT BALANCE AT 1 1/2% 11/06 THRU 11/201.5000126.00
11/21/01INTEREST ON CREDIT BALANCE AT 2,000% 10/21 THRU 11/052.0000237.83
11/21/01SHT ACCT FEE 10/21-11 20 011,703.27
TOTAL$2,067.10
TAXPAYER NUMBER On File | LAST STATEMENT | October 26, 2001 | | :--- | :--- | ## MISCELLANEOUS
DATE MO/DAYTRANSACTIONDESCRIPTIONDEBIT AMOUNTCREDIT AMOUNT
10/29/01JOURNALMARK TO MARKET68,723.00
10/29/01JOURNALMARK TO MARKET SHORT POS68,723.00
11/05/01JOURNALMARK TO MARKET7,751.00
11/05/01JOURNALMARK TO MARKET SHORT POS7,751.00
11/12/01JOURNALMARK TO MARKET63,389.00
11/12/01JOURNALMARK TO MARKET SHORT POS63,389.00
11/19/01JOURNALMARK TO MARKET4,559.00
11/19/01JOURNALMARK TO MARKET SHORT POS4,559.00
11/26/01JOURNALMARK TO MARKET21,356.00
11/26/01JOURNALMARK TO MARKET SHORT POS21,356.00
TOTAL-165,778.00$165,778.00
******* End of Statement******* 027 12/01/01;10:46 001