Financial Summary	3
Your Portfolio Holdings	4
Transaction Detail	5
Your Messages	14

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 Metratech Center North Brooklyn, New York 11201-3859 Your Portfolio at a Glance HERITAGE INTERESTS There are no "Stop Loss" orders or other pending buy or sell open orders on file for your account. | LAST STATEMENT | January 26, 2001 | | :--- | :--- | | STATEMENT PERIOD | January 27, 2001 | | :--- | :--- | | THROUGH | February 23, 2001 |

TOTAL VALUE OF SECURITIES THIS PERIOD	11,709,225
NET CREDIT BALANCE	1,948,206
NET EQUITY THIS PERIOD	$13,657,431
NET EQUITY LAST STATEMENT	15,370,868
CHANGE SINCE LAST STATEMENT	-1,713,436

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. 027 EFTA00197531 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS 2 of 14 STATEMENT BACKER IS PRINTED ON THIS PAGE 027 02/24/01;20:42 001 EFTA00197532 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 3 of 14 Cash Flow Analysis

	THIS PERIOD
OpeningBalance	$2,652,774.82
Securities Sold	1,170,420.47
Funds Deposited	150,000.00
Dividends/Interest	11,448.07
Amount Credited	$1,331,868.54
Funds Withdrawn	-2,036,437.00
Amount Debited	$-2,036,437.00
Net Cash Activity	-704,568.46
Closing Balance	$1,948,206.36

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

	OPENING	CLOSING
Cash	778,470.00	0.00
Margin	624,874.00	569,670.07
Short	1,249,430.82	1,378,536.29
Net Cash Balance	$2,652,774.82	$1,948,206.36

Income Summary

	THIS PERIOD	YEAR TO DATE
Dividends	889.10	41,373.71
Credit Balance Int.	4,973.50	7,070.34
Total	$5,862.60	$48,444.05

Portfolio Composition

	SHORT	LONG
Cash/Cash Equivalent		1,948,206
Equities	1,451,580	13,160,805
Total	$1,451,580	$15,109,011

CLEARED THROUGH ITS WHOLLY OWNED SUBSDIARY Bear, Steams Securities Corp. One Metratech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS Your Portfolio Allocation Unshaded portions denote debit balance and/or short market values. The allocation percentage is derived from the absolute market value of your portfolio. 02/24/01;20:42 001 EFTA00197533 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 4 of 14 ## Your Portfolio Holdings CASH & CASH EQUIVALENTS

DESCRIPTION	SYMBOL/CUSIP	QUANTITY	PRICE	MARKET VALUE	ESTIMATED ANNUAL INCOME
CASH BALANCE				1,948,206
TOTAL CASH & CASH EQUIVALENTS				$1,948,206

## EQUITIES # Equities & Options

DESCRIPTION	SYMBOL/CUSIP	ACCT TYPE	QUANTITY	PRICE	MARKET VALUE	ESTIMATED ANNUAL INCOME	CURRENT YIELD (%)
MEDTRONIC INC	MDT	CASH	113,961	48.9500	5,578,391	22,792	0.4086
PNC FINANCIAL SVCS GROUP INC	PNC	CASH	62,472	68.7500	4,294,950	119,946	2.7927
PNC FINANCIAL SVCS GROUP INC	PNC	SHRT	-10,000	68.7500	-687,500	-19,200	2.7927
CALL PNC FINL GRP MAY 075**** EXP 05/19/2001	PNCEO	CASH	-500	2.2000	-110,000
TYCO INTERNATIONAL LTD	TYC	CASH	61,128	53.7800	3,287,464	3,056	0.0930
TYCO INTERNATIONAL LTD	TYC	SHRT	-11,000	53.7800	-591,580	-550	0.0930
CALL TYCO INTL APR 060**** EXP 04/21/2001	TYCD60	CASH	-500	1.2500	-62,500
Total Equities& Options					$11,709,225	$126,044
TOTAL EQUITIES					$11,709,225	$126,044

YOUR TOTAL ESTIMATED ANNUAL INCOME	$126,046
YOUR PRICED PORTFOLIOHOLDINGS	$13,657,431

CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 STATEMENT PERIOD January 27, 2001 THROUGH February 23, 2001 HERITAGE INTERESTS | LAST STATEMENT | January 26, 2001 | | :--- | :--- | 027 02/24/01;20:42 001 EFTA00197534 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 5 of 14 HERITAGE INTERESTS Transaction Detail ## INVESTMENT ACTIVITY

MENTION DATE	RECEIVED DATE	TRANSACTION	DESCRIPTION	SYMBOL/CUSIP
02/20/01	RECEIVED	AOL TIME WARNER INC 901	AOL	500
02/20/01	RECEIVED	ACE LTD-ORD 901	ACL	700
02/20/01	RECEIVED	ALZA CORP 901	AZA	600
02/20/01	RECEIVED	AMERICAN INTERNATIONAL GROUP INC 901	AIG	500
02/20/01	RECEIVED	AMGEN INC 901	AMGN	300
02/20/01	RECEIVED	BED BATH & BEYOND INC 901	BBBY	700
02/20/01	RECEIVED	CONSTELLATION ENERGY GROUP INC 901	CEG	600
02/20/01	RECEIVED	CITIGROUP INC 901	C	700
02/20/01	RECEIVED	CISCO SYSTEMS INC 0901	CSCO	1,200
02/20/01	RECEIVED	CLOROX CO 901	CLX	500
02/20/01	RECEIVED	COCA COLA CO 901	KO	200
02/20/01	RECEIVED	COLGATE PALMOLIVE CO 901	CL	500
02/20/01	RECEIVED	COMDISCO INC 901	CDO	600
02/20/01	RECEIVED	COMPUTER SCIENCES CORP 901	CSC	700
02/20/01	RECEIVED	DOVER CORP 901	DOV	500

02/24/01;20:42 001 027 EFTA00197535 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 6 of 14 HERITAGE INTERESTS ## **Transaction Detail** (continued) ## INVESTMENT ACTIVITY (continued)

IMMEMENT DATE	TOTAL DATE	TRANSACTION	DESCRIPTION	SYMBOL/CUSP	QUANTITY
02/20/01	RECEIVED	RECEIVED	DUKE ENERGY CORP FORMERLY DUKE POWER CO 901	DUK	1,200
02/20/01	RECEIVED	RECEIVED	ET DU PONT DE NEMOURS & CO 901	DD	100
02/20/01	RECEIVED	RECEIVED	EMC CORP MASS 901	EMC	200
02/20/01	RECEIVED	RECEIVED	EXXON MOBIL CORP 901	XOM	250
02/20/01	RECEIVED	RECEIVED	ELAN CORP PLC-ADR 901	ELN	235
02/20/01	RECEIVED	RECEIVED	FIRSTAR CORP WIS-NEW 901	FSR	2,300
02/20/01	RECEIVED	RECEIVED	FLEXTRONICS INTERNATIONAL LTD 901	FLEX	400
02/20/01	RECEIVED	RECEIVED	GENERAL DYNAMICS CORP 901	GD	200
02/20/01	RECEIVED	RECEIVED	HISPANIC BROADCASTING CORP CL A 901	HSP	300
02/20/01	RECEIVED	RECEIVED	HOME DEPOT INC 901	HD	700
02/20/01	RECEIVED	RECEIVED	HOUSEHOLD INTERNATIONAL INC 901	HI	500
02/20/01	RECEIVED	RECEIVED	ILLINOIS TOOL WORKS INC 901	ITW	100
02/20/01	RECEIVED	RECEIVED	INTERNATIONAL BUSINESS MACHINES CORP 901	IBM	200
02/20/01	RECEIVED	RECEIVED	INTERNATIONAL PAPER CO 901	IP	200

02/24/01;20:42 001 027 EFTA00197536 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 CLEARED THROUGH ITS CLEARLY WOUNDED SUBSIDIARY 7 of 14 Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS ## **Transaction Detail** (continued) ## INVESTMENT ACTIVITY (continued)

SERIESMENT DATE	TRADE DATE	TRANSACTION	DESCRIPTION	SYMBOL/CUSP
02/20/01	RECEIVED	JUNIPER NETWORKS 0901	JNPR	200
02/20/01	RECEIVED	JOHNSON & JOHNSON 901	JNJ	400
02/20/01	RECEIVED	KELLOGG CO 901	K	1,000
02/20/01	RECEIVED	ESTEE LAUDER COMPANIES INC CL A 901	EL	1,000
02/20/01	RECEIVED	ELI LILLY & CO 901	LLY	250
02/20/01	RECEIVED	MGIC INVESTMENT CORP-WISC 901	MTG	800
02/20/01	RECEIVED	NORTEL NETWORKS CORP 0901	NT	600
02/20/01	RECEIVED	NEXTEL COMMUNICATIONS INC-CL A 901	NXTL	300
02/20/01	RECEIVED	ORACLE CORP 0901	ORCL	900
02/20/01	RECEIVED	PFIZER INC 901	PFE	500
02/20/01	RECEIVED	ROYAL DUTCH PETROLEUM CO NY REGISTRY (DG 1,25 PAR) 901	RD	300
02/20/01	RECEIVED	SCHERING PLOUGH CORP 901	SGP	200
02/20/01	RECEIVED	SUNMICROSYSTEMS INC 0901	SUNW	1,000
02/20/01	RECEIVED	SBC COMMUNICATIONS INC 901	SBC	600
02/20/01	RECEIVED	TYCO INTERNATIONAL LTD 901	TYC	800

027 02/24/01;20:42 001 EFTA00197537 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metratech Center North Brooklyn, New York 11201-3859 8 of 14 HERITAGE INTERESTS ## **Transaction Detail** (continued) ## INVESTMENT ACTIVITY (continued)

DATE	DATE	TRANSACTION	DESCRIPTION	SYMBOL/CUSIP	QUANTITY	PRICE	DEBIT AMOUNT
02/20/01		RECEIVED	TELLABS INC 901	TLAB	200
02/20/01		RECEIVED	TIFFANY & CO NEW 901	TIF	600
02/20/01		RECEIVED	UNITED TECHNOLOGIES CORP 901	UTX	300
02/20/01		RECEIVED	WASHINGTON MUTUAL INC 901	WM	900
02/20/01		RECEIVED	WAL-MART STORES INC 901	WMT	500
02/22/01	02/16/01	SOLD	AOL TIME WARNER INC UNSOLICITED	AOL	-500	49,30070	24,597.02
02/22/01	02/16/01	SOLD	ACE LTD-ORD UNSOLICITED	ACL	-700	37,80000	26,406.61
02/22/01	02/16/01	SOLD	ALZA CORP UNSOLICITED SEE NOTE 'S' ON BACK	AZA	-600	42,42910	25,404.11
02/22/01	02/16/01	SOLD	AMERICAN INTERNATIONAL GROUP INC UNSOLICITED	AIG	-500	86,60960	43,250.85
02/22/01	02/16/01	SOLD	AMGEN INC WITH RIGHTS TO PURCHASE COMMON STK UNDER CERTAIN CIRCUMSTANCE WE MAKE A MKT IN THIS SECURITY REPORTED PRICE '71 1516 DIFERENCE - 0,060000	AMGN	-300	71,87750	21,560.03
12/22/01	02/16/01	SOLD	BED BATH & BEYOND INC UNSOLICITED WE MAKE A MKT IN THIS SECURITY AVG PRICE: DETAILS ON REQUEST UNIT PRICE 26,375000 DIFFERENCE - 0,071500 AS OF 02/16/01	BBBY	-700	26,30350	18,409.33

027 02/24/01;20:42 001 EFTA00197538 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 9 of 14 HERITAGE INTERESTS ## **Transaction Detail** (continued) ## INVESTMENT ACTIVITY (continued)

SEEMENT DATE	TRADE DATE	TRANSACTION	DESCRIPTION	SYMBOL/CUSIP	QUANTITY	PRICE	CREDIT AMOUNT
02/22/01	02/16/01	SOLD	CONSTELLATION ENERGY GROUP INC UNSOLICITED	CEG	-600	42.47080	25,429.13
02/22/01	02/16/01	SOLD	CITGROUP INC UNSOLICITED	C	-700	54.85100	38,341.92
02/22/01	02/16/01	SOLD	CISCO SYSTEMS INC WE MAKE A MKT IN THIS SECURITY REPORTED PRICE 28,116 DIFFERENCE - 0,060000	CSCO	-1,200	28.00250	33,599.37
02/22/01	02/16/01	SOLD	CLOROX CO UNSOLICITED	CLX	-500	36.36880	18,131.29
02/22/01	02/16/01	SOLD	COCA COLA CO UNSOLICITED	KO	-200	58.86070	11,719.24
02/22/01	02/16/01	SOLD	COLGATE PALMOLIVE CO UNSOLICITED	CL	-500	59.02500	29,459.01
02/22/01	02/16/01	SOLD	COMPUTER SCIENCES CORP WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED	CSC	-700	63.73570	44,561.00
02/22/01	02/16/01	SOLD	DOVER CORP WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED	DOV	-500	40.78530	20,339.47
02/22/01	02/16/01	SOLD	DUKE ENERGY CORP FORMERLY DUKE POWER CO UNSOLICITED	DUK	-1,200	41.34650	49,539.64
02/22/01	02/16/01	SOLD	E I D U P O N T DE NEMOURS & CO UNSOLICITED	DD	-100	43.45000	4,292.35
02/22/01	02/16/01	SOLD	EXXON MOBIL CORP UNSOLICITED	XOM	-250	84.29000	21,019.29
02/22/01	02/16/01	SOLD	ELAN CORP PLC-ADR UNSOLICITED	ELN	-239	54.63370	12,785.99
02/22/01	02/16/01	SOLD	FIRSTAR CORP WIS-NEW UNSOLICITED	FSR	-2,300	23.37740	53,625.72

027 02/24/01;20:42 001 EFTA00197539 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 10 of 14 HERITAGE INTERESTS ## **Transaction Detail** (continued) ## INVESTMENT ACTIVITY (continued)

EMENT DATE	TAGE DATE	TRANSACTION	DESCRIPTION	SYMBOLICUSP	QUANTITY	PRICE	CREDIT AMOUNT
02/22/01	02/16/01	SOLD	GENERAL DYNAMICS CORP UNSOLICITED	GD	-200	68.40180	13,627.40
02/22/01	02/16/01	SOLD	HOME DEPOT INC UNSOLICITED	HD	-700	43.00810	30,052.16
02/22/01	02/16/01	SOLD	HOUSEHOLD INTERNATIONAL INC WITH RIGHTS TO PURCHASE PREFRO STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED	HI	-500	58.75000	29,321.52
02/22/01	02/16/01	SOLD	ILLINOIS TOOL WORKS INC UNSOLICITED	ITW	-100	64.02100	6,349.38
02/22/01	02/16/01	SOLD	INTERNATIONAL BUSINESS MACHINES CORP UNSOLICITED	IBM	-200	114.20000	22,786.73
02/22/01	02/16/01	SOLD	INTERNATIONAL PAPER CO UNSOLICITED	IP	-200	37.35000	7,417.25
02/22/01	02/16/01	SOLD	JUNIPER NETWORKS WE MAKE A MKT IN THIS SECURITY AVG PRICE: DETAILS ON REQUEST UNIT PRICE: 81.096400 DIFFERENCE: -0.060000	JNPR	-200	81.89640	16,376.23
02/22/01	02/16/01	SOLD	JOHNSON & JOHNSON UNSOLICITED	JNJ	-400	93.35000	37,286.25
02/22/01	02/16/01	SOLD	KELLOGG CO UNSOLICITED	K	-1,000	27.53410	27,470.68
02/22/01	02/16/01	SOLD	ESTE LAUDER COMPANIES INC CLA UNSOLICITED	EL	-1,000	39.58600	39,522.18
02/22/01	02/16/01	SOLD	ELI LILLY & CO UNSOLICITED	LLY	-250	73.44610	18,308.41
02/22/01	02/16/01	SOLD	MSC INVESTMENT CORP-WISC UNSOLICITED	MTG	-800	60.46170	48,315.24
02/22/01	02/16/01	SOLD	NOTREL NETWORKS CORP UNSOLICITED	NT	-600	19.95000	11,917.10

027 02/24/01;20:42 001 EFTA00197540 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 CLEARED THROUGH ITS CLEARLY WOUNDED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 11 of 14 HERITAGE INTERESTS ## **Transaction Detail** (continued) ## INVESTMENT ACTIVITY (continued)

DATE	DATE	TRANSACTION	DESCRIPTION	SYMBOL/CUSIP	QUANTITY	PRICE	CREDIT AMOUNT
02/22/01	02/16/01	SOLD	ORACLE CORP WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED WE MAKE A MKT IN THIS SECURITY REPORTED PRICE 24 3/8 DIFFERENCE - 0,060000	ORCL	-900	24.31500	21,880.27
02/22/01	02/16/01	SOLD	PRIZER INC WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED	PPE	-500	45.23000	22,561.74
02/22/01	02/16/01	SOLD	ROYAL DUTCH PETROLEUM CO NY REGISTRY (DG 1,25 PAR) UNSOLICITED	RD	-300	60.68000	18,150.89
02/22/01	02/16/01	SOLD	SCHERING PLOUGH CORP WITH RIGHTS TO PURCHASE COMMON STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED	SGP	-200	41.30000	8,207.22
02/22/01	02/16/01	SOLD	SUNW MANAGEMENT INC WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE WE MAKE A MKT IN THIS SECURITY REPORTED PRICE 23 1/8 DIFFERENCE - 0,060000	SUNW	-1,000	23.06500	23,061.73
02/22/01	02/16/01	SOLD	SBC COMMUNICATIONS INC UNSOLICITED	SBC	-600	48.02420	28,761.05
02/22/01	02/16/01	SOLD	TELLABS INC UNSOLICITED AVG PRICE: DETAILS ON REQUEST UNIT PRICE 50,075,400 DIFFERENCE - 0,250000	TLAB	-200	49.82540	9,962.24
02/22/01	02/16/01	SOLD	UNITED TECHNOLOGIES CORP UNSOLICITED	UTX	-300	78.41000	23,469.71
02/22/01	02/16/01	SOLD	WAL-MART STORES INC UNSOLICITED	WMT	-500	51.86260	25,877.93

027 02/24/01;20:42 001 EFTA00197541 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 CLEARED THROUGH ITS CLEARLY WOUNDED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 12 of 14 HERITAGE INTERESTS ## **Transaction Detail** (continued) ## INVESTMENT ACTIVITY (continued)

SETTLEMENT DATE	TRADE DATE	TRANSACTION	DESCRIPTION	SYMBOL/CUSIP	QUANTITY	PRICE	CREDIT AMOUNT
02/23/01	02/20/01	SOLD	COMDISCO INC WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED	CDO	-600	11.65440	6,939.90
02/23/01	02/20/01	SOLD	EMC CORP-MASS UNSOLICITED SEE NOTE 'S' ON BACK	EMC	-200	55.50000	11,047.13
02/23/01	02/20/01	SOLD	FLEXTRONICS INTERNATIONAL LTD UNSOLICITED WE MAKE A MKT IN THIS SECURITY REPORTED PRICE 33 13/16 DIFFERENCE - 0,000000	FLEX	-400	33.81250	13,522.04
02/23/01	02/20/01	SOLD	HISPANIC BROADCASTING CORP CLA UNSOLICITED	HSP	-300	23.85000	7,102.26
02/23/01	02/20/01	SOLD	NEXTEL COMMUNICATIONS INC-CLA UNSOLICITED WE MAKE A MKT IN THIS SECURITY REPORTED PRICE 24 13/16 DIFFERENCE - 0,170000	NXTL	-300	24.64250	7,390.00
02/23/01	02/20/01	SOLD	TYCO INTERNATIONAL LTD UNSOLICITED VSP 800 09/21/00 @ 50,44	TYC	-800	57.12360	45,644.85
02/23/01	02/20/01	SOLD	TIFFANY & CO NEW UNSOLICITED	TIF	-600	32.88320	19,676.76
02/23/01	02/20/01	SOLD	WASHINGTON MUTUAL INC UNSOLICITED	WM	-900	51.11210	45,942.85
TOTAL							$1,170,420.47

027 02/24/01;20:42 001 EFTA00197542 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 13 of 14 ## Transaction Detail (continued) CLEARED THROUGH ITS WHOLLY OWNED SUBSDIARY DEPOSITS AND WITHDRAWALS

DATE	TRANSACTION	DESCRIPTION	DEBIT AMOUNT	CREDIT AMOUNT
02/07/01	FND WIRED	WIRED TO CITIBANK NA F#102666 FTS0102071799000	36,437.00
02/21/01	FUNDS REC	FNDS WIRED TO CITIBANK FROM J.P. MORGAN		150,000.00
02/22/01	FND WIRED	WIRED TO COSTUDIAL TRUST COMPANY FD#01156	2,000,000.00
TOTAL			-$2,036,437.00	$150,000.00

## DIVIDENDS

DATE	DESCRIPTION	SYMBOL/CUSIP	QUANTITY	RATE ($)	DEBIT AMOUNT	CREDIT AMOUNT
02/02/01	TYCO INTERNATIONAL LTD REC 01/02/01 PAY 02/02/01	TYC	71,128	0.0125		889.10
TOTAL						$889.10

Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859

DATE	DESCRIPTION	RATE (%)	CREDIT AMOUNT
02/21/01	INTEREST ON CREDIT BALANCE AT 5 1/2% 01/21 THRU 01/30	5.5000	1,393.01
02/21/01	INTEREST ON CREDIT BALANCE AT 5,000% 01/31 THRU 02/20	5.0000	3,580.49
02/21/01	SHT ACCT FEE 01/21-02 20 01		5,585.47
TOTAL			$10,558.97

INTEREST HERITAGE INTERESTS 027 02/24/01;20:42 001 EFTA00197543 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 14 of 14 ## **Transaction Detail** (continued) ## MISCELLANEOUS

DATE MO/DAY	TRANSACTION	DESCRIPTION	DEBIT AMOUNT	CREDIT AMOUNT
01/29/01	JOURNAL	MARK TO MARKET	177,074.00
01/29/01	JOURNAL	MARK TO MARKET SHORT POS		177,074.00
02/05/01	JOURNAL	MARK TO MARKET		19,424.00
02/05/01	JOURNAL	MARK TO MARKET SHORT POS	19,424.00
02/08/01	JOURNAL	JOURNAL FROM TYPE 2 TO 1		467,224.00
02/08/01	JOURNAL	JOURNAL FROM TYPE 2 TO 1	467,224.00
02/09/01	JOURNAL	JOURNAL FROM TYPE 1 TO 2	117,287.00
02/09/01	JOURNAL	JOURNAL FROM TYPE 1 TO 2		117,287.00
02/12/01	JOURNAL	MARK TO MARKET		22,020.00
02/12/01	JOURNAL	MARK TO MARKET SHORT POS	22,020.00
02/20/01	JOURNAL	MARK TO MARKET		12,110.00
02/20/01	JOURNAL	MARK TO MARKET SHORT POS	12,110.00
02/23/01	JOURNAL	JOURNAL FROM TYPE 1 TO 2	418,253.07
02/23/01	JOURNAL	JOURNAL FROM TYPE 1 TO 2		418,253.07
TOTAL			-$1,233,392.07	$1,233,392.07

## Your messages The interest, if any, charged to your account during December 2000 was computed on the net debit balance through December 28. The interest, if any, charged to your account during January 2001 is computed from December 29, 2000. CLEARED THROUGH ITS WHOLLY OWNED SUBSDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS 027 02/24/01;20:42 00: