EFTA00197566

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>4</td></tr><tr><td>Your Messages</td><td>6</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 SUBSDIARY



Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859

Your Portfolio at a Glance

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

HERITAGE INTERESTS

STATEMENT PERIOD February 23, 2002

<table border="1"><tr><td>NET CREDIT BALANCE</td><td>183,305</td></tr><tr><td>MONEY MARKET FUND BALANCE</td><td>5,722,266</td></tr><tr><td>NET EQUITY THIS PERIOD</td><td>$5,905,571</td></tr><tr><td>NET EQUITY LAST STATEMENT</td><td>5,897,098</td></tr><tr><td>CHANGE SINCE LAST STATEMENT</td><td>8,473</td></tr></table>

TAXPAYER NUMBER On File

| LAST STATEMENT | February 22, 2002 |

| :--- | :--- |

ACCOUNT NUMBER

THROUGH 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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CLEARED THROUGH ITS
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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EFTA00197568



BEAR
STEARNS


OFFICE SERVICING YOUR ACCOUNT

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

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## Cash Flow Analysis

<table border="1"><tr><td></td><td>THIS PERIOD</td></tr><tr><td>OpeningBalance</td><td>$183,126.76</td></tr><tr><td>Money Fund</td><td>8,295.31</td></tr><tr><td>Dividends/Interest</td><td>178.04</td></tr><tr><td>Amount Credited</td><td>$8,473.35</td></tr><tr><td>Money Fund</td><td>-8,295.31</td></tr><tr><td>Amount Debited</td><td>$-8,295.31</td></tr><tr><td>Net Cash Activity</td><td>178.04</td></tr><tr><td>ClosingBalance</td><td>$183,304.80</td></tr></table>

Cash Balance Summary

<table border="1"><tr><td></td><td>OPENING</td><td>CLOSING</td></tr><tr><td>Cash</td><td>182,714.34</td><td>182,892.38</td></tr><tr><td>Margin</td><td>412.42</td><td>412.42</td></tr><tr><td>Net Cash Balance</td><td>$183,126.76</td><td>$183,304.80</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>8,295.31</td><td>17,420.92</td></tr><tr><td>Credit Balance Int.</td><td>178.04</td><td>1,125.82</td></tr><tr><td>Total</td><td>$8,473.35</td><td>$18,546.74</td></tr></table>

Portfolio Composition

<table border="1"><tr><td>Cash/Cash Equivalent</td><td>5,905,571</td></tr><tr><td>Total</td><td>$5,905,571</td></tr></table>



CLEARED THROUGH ITS

WHOLLY OWNED SUBSDIARY



Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859

HERITAGE INTERESTS

| STATEMENT PERIOD | February 23, 2002 |
| :--- | :--- |
| THROUGH | March 28, 2002 |

ACCOUNT NUMBER

TAXPAYER NUMBER On File

Your Portfolio Allocation

| LAST STATEMENT | February 22, 2002 |

| :--- | :--- |



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Unshaded portions denote debit balance and/or short market values. The allocation percentage is derived from the absolute market value of your portfolio.

EFTA00197569



BEAR
STEARNS


OFFICE SERVICING YOUR ACCOUNT

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

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## 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>183,305</td><td></td><td></td></tr><tr><td>DREYFUS CASH MANAGEMENT-CL A<br>INSTITUTIONAL SHARES<br>EST, 30 DAY AVG YIELD 1,8500%</td><td>DICCX</td><td>5,722,266.38</td><td>1.0000</td><td>5,722,266</td><td>97,279</td><td>1.7000</td></tr><tr><td>TOTAL CASH &amp; CASH EQUIVALENTS</td><td></td><td></td><td></td><td>$5,905,571</td><td>$97,279</td><td></td></tr><tr><td colspan="4">YOUR TOTAL ESTIMATED ANNUAL INCOME</td><td colspan="3">$97,279</td></tr><tr><td colspan="4">YOUR PRICED PORTFOLIOHOLDINGS</td><td colspan="3">$5,905,570</td></tr></tbody></table>



CLEARED THROUGH ITS

WHOLLY OWNED SUBSDIARY



## MONEY FUND ACTIVITY

Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859



Transaction Detail


HERITAGE INTERESTS

STATEMENT PERIOD February 23, 2002

<table><thead><tr><th>DATE 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 AMOUN</th></tr></thead><tbody><tr><td>02/23/02</td><td></td><td>OPENINGBALANCE</td><td></td><td>5,713,971.07</td><td></td><td></td><td></td></tr><tr><td>03/01/02</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>8,295.31</td></tr><tr><td>03/01/02</td><td>REINVEST</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES DIVIDEND REINVESTED</td><td>DICCX</td><td>8,295.31</td><td></td><td>8,295.31</td><td></td></tr></tbody></table>

ACCOUNT NUMBER

THROUGH March 28, 2002

| LAST STATEMENT | February 22, 2002 |

| :--- | :--- |

TAXPAYER NUMBER On File

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EFTA00197570



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** (continued)

STATEMENT PERIOD February 23, 2002

MONEY FUND ACTIVITY (continued)

<table border="1"><tr><td>DATE MO/DAY</td><td>TRANSACTION</td><td>DESCRIPTION</td><td>SYMBOL/CUSIP</td><td>QUANTITY</td><td>PRICE</td><td>DEBIT AMOUNT</td><td>CREDIT AMOUNT</td></tr><tr><td>03/28/02</td><td></td><td>CLOSINGBALANCE</td><td></td><td>5,722,266.38</td><td></td><td></td><td></td></tr><tr><td>TOTAL</td><td></td><td></td><td></td><td></td><td></td><td>-8,295.31</td><td>$8,295.31</td></tr></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>03/21/02</td><td>INTEREST ON CREDIT BALANCE AT 1 1/4% 02/21 THRU 03/20</td><td></td><td></td><td>1.2500</td><td></td><td>178.04</td></tr><tr><td colspan="6">TOTAL</td><td>$178.04</td></tr></tbody></table>

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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



6 of 6



Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859



HERITAGE INTERESTS

## Your messages

Pursuant to SEC Rule 11Ac1-6, Bear, Stearns & Co., Inc will publicly post its quarterly routing statistics at the following web link: http://www.bearstearns.com/corporate/business/equities/orp.htm

| STATEMENT PERIOD | February 23, 2002 |

| :--- | :--- |

| THROUGH | March 28, 2002 |





| LAST STATEMENT | February 22, 2002 |

| :--- | :--- |

## Bear, Stearns Securities Corp, Net Capital and Net Capital Requirements:

At November 30, 2001 and January 31, 2002, the Company's net capital of approximately $2.6 billion and $2.6 billion was approximately 9% and 8% of aggregate debit items and exceeded the minimum regulatory net capital requirement of approximately $604.1 million and $648.0 million by approximately $2.0 billion and $2.0 billion, all respectively.

A complete copy of the Bear, Stearns Securities Corp. Statement of Financial Condition is available on the web site www.bearstearns.com. Alternatively, to request a free printed copy please call -toll free 1-866-299-9331.



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


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