EFTA00197561



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>Your Portfolio Holdings</td><td>4</td></tr><tr><td>Transaction Detail</td><td>4</td></tr><tr><td>Fund Activity</td><td>5</td></tr></table>





# HERITAGE INTERESTS

FINANCIAL TRUST CO TTEE

DTD 7-30-91 \*

ATTN JEANIE BRENNAN

6100 RED HOOK QUARTER STE B-3

ST THOMAS VI 00802



CLEARED THROUGH ITS

WHOLLY OWNED SUBSIDIARY



Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859

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

Your Portfolio at a Glance

HERITAGE INTERESTS

STATEMENT PERIOD March 29, 2002

<table border="1"><tr><td>NET CREDIT BALANCE</td><td>33,398</td></tr><tr><td>MONEY MARKET FUND BALANCE</td><td>5,731,244</td></tr><tr><td>NET EQUITY THIS PERIOD</td><td>$5,764,642</td></tr><tr><td>NET EQUITY LAST STATEMENT</td><td>5,905,571</td></tr><tr><td>CHANGE SINCE LAST STATEMENT</td><td>-140,929</td></tr></table>

TAXPAYER NUMBER On File

ACCOUNT NUMBER

THROUGH April 26, 2002

| LAST STATEMENT | March 28, 2002 |

| :--- | :--- |

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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WHOLLY OWNED SUBSIDIARY


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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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EFTA00197563



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>$183,304.80</td></tr><tr><td>Money Fund</td><td>8,977.76</td></tr><tr><td>Dividends/Interest</td><td>93.14</td></tr><tr><td>Amount Credited</td><td>$9,070.90</td></tr><tr><td>Money Fund</td><td>-8,977.76</td></tr><tr><td>Funds Withdrawn</td><td>-150,000.00</td></tr><tr><td>Amount Debited</td><td>$-158,977.76</td></tr><tr><td>Net Cash Activity</td><td>-149,906.86</td></tr><tr><td>Closing Balance</td><td>$33,397.94</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>182,892.38</td><td>33,397.94</td></tr><tr><td>Margin</td><td>412.42</td><td>0.00</td></tr><tr><td>Net Cash Balance</td><td>$183,304.80</td><td>$33,397.94</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>8,977.76</td><td>26,398.68</td></tr><tr><td>Credit Balance Int.</td><td>93.14</td><td>1,218.96</td></tr><tr><td>Total</td><td>$9,070.90</td><td>$27,617.64</td></tr></table>

Portfolio Composition

<table border="1"><tr><td>Cash/Cash Equivalent</td><td>5,764,642</td></tr><tr><td>Total</td><td>$5,764,642</td></tr></table>



CLEARED THROUGH ITS

WHOLLY OWNED SUBSDIARY



Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859



04/27/02;12:01 001


HERITAGE INTERESTS

<table><thead><tr><th>STATEMENT PERIOD</th><td>March 29, 2002</td></tr></thead><tbody><tr><td>THROUGH</td><td>April 26, 2002</td></tr><tr><td>ACCOUNT NUMBER</td><td></td></tr><tr><td>TAXPAYER NUMBER</td><td>On File</td></tr><tr><td>LAST STATEMENT</td><td>March 28, 2002</td></tr></tbody></table>

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.

EFTA00197564



BEAR
STEARNS


OFFICE SERVICING YOUR ACCOUNT
Bear, Stearns & Co. Inc.
383 Madison Avenue
New York, New York 10179

4 of 5

## Your Portfolio Holdings

## CASH & CASH EQUIVALENTS

<table><thead><tr><th>DESCRIPTION</th><th>SYMBOL/CUSIP</th><th>QUANTITY</th><th>PRICE</th><th>MARKET VALUE</th><th>ESTIMATED ANNUAL INCOME</th><th>CURRENT YIELD (%)</th></tr></thead><tbody><tr><td>CASH BALANCE</td><td></td><td></td><td></td><td>33,398</td><td></td><td></td></tr><tr><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD 1,8500%</td><td>DICCX</td><td>5,731,244.14</td><td>1.0000</td><td>5,731,244</td><td>108,894</td><td>1.9000</td></tr><tr><td>TOTAL CASH &amp; CASH EQUIVALENTS</td><td></td><td></td><td></td><td>$5,764,642</td><td>$108,894</td><td></td></tr><tr><td colspan="4">YOUR TOTAL ESTIMATED ANNUAL INCOME</td><td colspan="3">$108,894</td></tr><tr><td colspan="4">YOUR PRICED PORTFOLIOHOLDINGS</td><td colspan="3">$5,764,641</td></tr></tbody></table>



Transaction Detail


## DEPOSITS AND WITHDRAWALS

<table><thead><tr><th>DATE</th><th>TRANSACTION</th><th>DESCRIPTION</th><th>DEBIT AMOUNT</th><th>CREDIT AMOUN</th></tr></thead><tbody><tr><td>04/01/02</td><td>FND WIRED</td><td>MDA# FNDS WIRED TO CHASE MANHATTAN BANK N.A.</td><td>150,000.00</td><td></td></tr><tr><td colspan="3">TOTAL</td><td>-150,000.00</td><td></td></tr></tbody></table>



CLEARED THROUGH ITS

WHOLLY OWNED SUBSDIARY





Bear, Steams Securities Corp.

One Metratech Center North Brooklyn, New York 11201-3859



HERITAGE INTERESTS

STATEMENT PERIOD March 29, 2002

THROUGH April 26, 2002

ACCOUNT NUMBER

TAXPAYER NUMBER On File

| LAST STATEMENT | March 28, 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 Metrotech Center North
Brooklyn, New York 11201-3859

5 of 5

HERITAGE INTERESTS

STATEMENT PERIOD March 29, 2002

## Transaction Detail (continued)

## MONEY FUND ACTIVITY

| LAST STATEMENT | March 28, 2002 |

| :--- | :--- |

<table><thead><tr><th>MO/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>03/29/02</td><td></td><td>OPENINGBALANCE</td><td></td><td>5,722,266.38</td><td></td><td></td><td></td></tr><tr><td>04/01/02</td><td>DIVIDEND</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES MONTHLY DIVIDEND</td><td>DICCX</td><td></td><td></td><td></td><td>8,977.76</td></tr><tr><td>04/01/02</td><td>REINVEST</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES DIVIDEND REINVESTED</td><td>DICCX</td><td>8,977.76</td><td></td><td>8,977.76</td><td></td></tr><tr><td>04/26/02</td><td></td><td>CLOSINGBALANCE</td><td></td><td>5,731,244.14</td><td></td><td></td><td></td></tr><tr><td colspan="5">TOTAL</td><td></td><td>-8,977.76</td><td>$8,977.76</td></tr></tbody></table>



INTEREST


<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>04/22/02</td><td>INTEREST ON CREDIT BALANCE AT 1 1/4% 03/21 THRU 04/20</td><td></td><td></td><td>1.2500</td><td></td><td>93.14</td></tr><tr><td colspan="7">TOTAL</td><td>$93.14</td></tr></tbody></table>

## 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>04/10/02</td><td>JOURNAL</td><td>JOURNAL FROM TYPE 2 TO 1</td><td></td><td>412.42</td></tr><tr><td>04/10/02</td><td>JOURNAL</td><td>JOURNAL FROM TYPE 2 TO 1</td><td>412.42</td><td></td></tr><tr><td>TOTAL</td><td></td><td></td><td>-412.42</td><td>$412.42</td></tr></tbody></table>

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