EFTA00197556

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

<table border="1"><tr><td>Financial Summary</td><td>3</td></tr><tr><td>Transaction Detail</td><td>4</td></tr><tr><td>Fund Activity</td><td>4</td></tr></table>



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

There are no "Stop Loss" orders or other pending buy or sell open orders on file for your account.

## Your Portfolio at a Glance

ACCOUNT NUMBER

| LAST STATEMENT | April 26, 2002 |

| :--- | :--- |

THROUGH May 31, 2002

TAXPAYER NUMBER On File

STATEMENT PERIOD April 27, 2002

<table><thead><tr><th>CHANGE SINCE LAST STATEMENT</th><td>-5,764,642</td></tr></thead></table>

| NET EQUITY LAST STATEMENT | 5,764,642 |

| :--- | :--- |

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.

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CLEARED THROUGH ITS
WHOLLY OWNED SUBSIDIARY


2 of 5

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

HERITAGE INTERESTS

STATEMENT BACKER IS PRINTED ON THIS PAGE

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EFTA00197558



BEAR
STEARNS


OFFICE SERVICING YOUR ACCOUNT

Bear, Stearns & Co. Inc.
383 Madison Avenue
New York, New York 10179

3 of 5

Cash Flow Analysis

<table border="1"><tr><td></td><td>THIS PERIOD</td></tr><tr><td>OpeningBalance</td><td>$33,397.94</td></tr><tr><td>Money Fund</td><td>6,004,972.33</td></tr><tr><td>Funds Deposited</td><td>10,452,624.91</td></tr><tr><td>Dividends/Interest</td><td>611.94</td></tr><tr><td>Miscellaneous</td><td>232,910.00</td></tr><tr><td>Amount Credited</td><td>$16,691,119.18</td></tr><tr><td>Money Fund</td><td>-258,716.24</td></tr><tr><td>Miscellaneous</td><td>-16,465,800.88</td></tr><tr><td>Amount Debited</td><td>$-16,724,517.12</td></tr><tr><td>Net Cash Activity</td><td>-33,397.94</td></tr><tr><td>Closing Balance</td><td>$0.00</td></tr></table>

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

<table border="1"><tr><td></td><td>OPENING</td><td>CLOSING</td></tr><tr><td>Cash</td><td>33,397.94</td><td>0.00</td></tr><tr><td>Net Cash Balance</td><td>$33,397.94</td><td>$0.00</td></tr></table>

Income Summary

<table border="1"><tr><td></td><th>THIS PERIOD</th><th>YEAR TO DATE</th></tr><tr><td>Dividends</td><td>15,011.95</td><td>41,410.63</td></tr><tr><td>Credit Balance Int.</td><td>611.94</td><td>1,830.90</td></tr><tr><td>Total</td><td>$15,623.89</td><td>$43,241.53</td></tr></table>

CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY

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

HERITAGE INTERESTS

STATEMENT PERIOD April 27, 2002

THROUGH May 31, 2002



ACCOUNT NUMBER



TAXPAYER NUMBER On File

027

| LAST STATEMENT | April 26, 2002 |

| :--- | :--- |



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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 Metratech Center North Brooklyn, New York 11201-3859

4 of 5

HERITAGE INTERESTS



Transaction Detail


STATEMENT PERIOD April 27, 2002

## DEPOSITS AND WITHDRAWALS

THROUGH May 31, 2002

ACCOUNT NUMBER

TAXPAYER NUMBER On File

<table><thead><tr><th>DATE</th><th>TRANSACTION</th><th>DESCRIPTION</th><th>DEBIT AMOUNT</th><th>CREDIT AMOUNT</th></tr></thead><tbody><tr><td>05/23/02</td><td>FUNDS REC</td><td>FNDS WIRED TO CITIBANK FROM BANKERS NYC</td><td></td><td>10,452,624.91</td></tr><tr><td colspan="4">TOTAL</td><td>$10,452,624.91</td></tr></tbody></table>

| LAST STATEMENT | April 26, 2002 |

| :--- | :--- |

## MONEY FUND ACTIVITY

<table><thead><tr><th>DATE MOID/DAY</th><th>TRANSACTION</th><th>DESCRIPTION</th><th>SYMBOL/CUSIP</th><th>QUANTITY</th><th>PRICE</th><th>DEBIT AMOUNT</th><th>CREDIT AMOUNT</th></tr></thead><tbody><tr><td>04/27/02</td><td></td><td>OPENINGBALANCE</td><td></td><td>5,731,244.14</td><td></td><td></td><td></td></tr><tr><td>05/01/02</td><td>DIVIDEND</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES MONTHLY DIVIDEND</td><td>DICXX</td><td></td><td></td><td></td><td>8,716.24</td></tr><tr><td>05/01/02</td><td>REINVEST</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES DIVIDEND REINVESTED</td><td>DICXX</td><td>8,716.24</td><td></td><td>8,716.24</td><td></td></tr><tr><td>05/15/02</td><td>BOUGHT</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES</td><td>DICXX</td><td>250,000</td><td>1.0000</td><td>250,000.00</td><td></td></tr><tr><td>05/23/02</td><td>SOLD</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES</td><td>DICXX</td><td>-5,989,960.38</td><td>1.0000</td><td></td><td>5,989,960.38</td></tr><tr><td>05/24/02</td><td>DIVIDEND</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES DIV</td><td>DICXX</td><td></td><td></td><td></td><td>6,295.71</td></tr><tr><td>05/31/02</td><td></td><td>CLOSINGBALANCE</td><td></td><td>0.00</td><td></td><td></td><td></td></tr><tr><td colspan="4">TOTAL</td><td></td><td></td><td>-258,716.24</td><td>$6,004,972.33</td></tr></tbody></table>

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EFTA00197560



BEAR
STEARNS


OFFICE SERVICING YOUR ACCOUNT

Bear, Stearns & Co. Inc.
383 Madison Avenue
New York, New York 10179



CLEARED THROUGH ITS
CLEARLY WOUNDED SUBSIDIARY



**5 of 5**



Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859



HERITAGE INTERESTS

## **Transaction Detail** (continued)



INTEREST


STATEMENT PERIOD April 27, 2002

THROUGH May 31, 2002



ACCOUNT NUMBER



<table><thead><tr><th>DATE</th><th>DESCRIPTION</th><th>SYMBOL/CUSIP</th><th>QUANTITY</th><th>RATE (%)</th><th>DEBIT AMOUNT</th><th>CREDIT AMOUNT</th></tr></thead><tbody><tr><td>05/21/02</td><td>INTEREST ON CREDIT BALANCE AT 1 1/4% 04/21 THRU 05/20</td><td></td><td></td><td>1.2500</td><td></td><td>39.31</td></tr><tr><td>05/24/02</td><td>PREPAY CREDIT INT 5/21/02 05/23/2</td><td></td><td></td><td></td><td></td><td>572.63</td></tr><tr><td colspan="6">TOTAL</td><td>$611.94</td></tr></tbody></table>

TAXPAYER NUMBER On File

LAST STATEMENT April 26, 2002

## MISCELLANEOUS

<table><thead><tr><th>DATE MO/DAY</th><th>TRANSACTION</th><th>DESCRIPTION</th><th>DEBIT AMOUNT</th><th>CREDIT AMOUNT</th></tr></thead><tbody><tr><td>05/14/02</td><td>JOURNAL</td><td>FROM: SIDE POCKET WITHDRAWAL * JRL *</td><td></td><td>232,910.00</td></tr><tr><td>05/21/02</td><td>JOURNAL</td><td>JOURNAL FROM TYPE 2 TO 1</td><td></td><td>232,910.00</td></tr><tr><td>05/21/02</td><td>JOURNAL</td><td>JOURNAL FROM TYPE 2 TO 1</td><td>232,910.00</td><td></td></tr><tr><td>05/24/02</td><td>JOURNAL</td><td>TO PER LOA</td><td>16,465,800.88</td><td></td></tr><tr><td colspan="3">TOTAL</td><td>-16,698,710.88</td><td>$465,820.00</td></tr></tbody></table>



******* End of Statement*******


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