EFTA00197572



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></table>







CLEARED THROUGH ITS

WHOLLY OWNED SUBSDIARY



# 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



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

TAXPAYER NUMBER On File

STATEMENT PERIOD January 26, 2002

| LAST STATEMENT | January 25, 2002 |

| :--- | :--- |

<table border="1"><tr><td>NET CREDIT BALANCE</td><td>183,127</td></tr><tr><td>MONEY MARKET FUND BALANCE</td><td>5,713,971</td></tr><tr><td>NET EQUITY THIS PERIOD</td><td>$5,897,098</td></tr><tr><td>NET EQUITY LAST STATEMENT</td><td>5,887,775</td></tr><tr><td>CHANGE SINCE LAST STATEMENT</td><td>9,323</td></tr></table>

ACCOUNT NUMBER

THROUGH February 22, 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.

027 02/23/02:10:07 001

EFTA00197573



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

027

EFTA00197574



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>$182,305.22</td></tr><tr><td>Money Fund</td><td>8,500.61</td></tr><tr><td>Dividends/Interest</td><td>821.54</td></tr><tr><td>Amount Credited</td><td>$9,322.15</td></tr><tr><td>Money Fund</td><td>-8,500.61</td></tr><tr><td>Amount Debited</td><td>$-8,500.61</td></tr><tr><td>Net Cash Activity</td><td>821.54</td></tr><tr><td>ClosingBalance</td><td>$183,126.76</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>181,892.80</td><td>182,714.34</td></tr><tr><td>Margin</td><td>0.00</td><td>412.42</td></tr><tr><td>Short</td><td>412.42</td><td>0.00</td></tr><tr><td>Net Cash Balance</td><td>$182,305.22</td><td>$183,126.76</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>9,125.61</td><td>9,125.61</td></tr><tr><td>Credit Balance Int.</td><td>196.54</td><td>947.78</td></tr><tr><td>Total</td><td>$9,322.15</td><td>$10,073.39</td></tr></table>

Portfolio Composition

<table border="1"><tr><td>Cash/Cash Equivalent</td><td>5,897,098</td></tr><tr><td>Total</td><td>$5,897,098</td></tr></table>



CLEARED THROUGH ITS

WHOLLY OWNED SUBSDIARY



Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859



02/23/02;10:07 001


HERITAGE INTERESTS

STATEMENT PERIOD January 26, 2002

THROUGH February 22, 2002

ACCOUNT NUMBER

TAXPAYER NUMBER On File

| LAST STATEMENT | January 25, 2002 |

| :--- | :--- |

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.

EFTA00197575



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>183,127</td><td></td><td></td></tr><tr><td>DREYFUS CASH MANAGEMENT-CL A<br>INSTITUTIONAL SHARES<br>EST, 30 DAY AVG YIELD 1,9000%</td><td>DICCX</td><td>5,713,971.07</td><td>1.0000</td><td>5,713,971</td><td>114,279</td><td>2.0000</td></tr><tr><td>TOTAL CASH &amp; CASH EQUIVALENTS</td><td></td><td></td><td></td><td>$5,897,098</td><td>$114,279</td><td></td></tr><tr><td colspan="4">YOUR TOTAL ESTIMATED ANNUAL INCOME</td><td colspan="3">$114,279</td></tr><tr><td colspan="4">YOUR PRICED PORTFOLIOHOLDINGS</td><td colspan="3">$5,897,097</td></tr></tbody></table>



CLEARED THROUGH ITS

WHOLLY OWNED SUBSDIARY



Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859

## MONEY FUND ACTIVITY



Transaction Detail


HERITAGE INTERESTS

STATEMENT PERIOD January 26, 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>01/26/02</td><td></td><td>OPENINGBALANCE</td><td></td><td>5,705,470.46</td><td></td><td></td><td></td></tr><tr><td>02/01/02</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>8,500.61</td></tr><tr><td>02/01/02</td><td>REINVEST</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES DIVIDEND REINVESTED</td><td>DICCX</td><td>8,500.61</td><td></td><td>8,500.61</td><td></td></tr></tbody></table>

ACCOUNT NUMBER

THROUGH February 22, 2002

| LAST STATEMENT | January 25, 2002 |

| :--- | :--- |

TAXPAYER NUMBER On File

027



02/23/02;10:07 001


EFTA00197576



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 January 26, 2002

## Transaction Detail (continued)

THROUGH February 22, 2002

MONEY FUND ACTIVITY (continued)

TAXPAYER NUMBER On File

| LAST STATEMENT | January 25, 2002 |

| :--- | :--- |

<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>02/22/02</td><td></td><td>CLOSINGBALANCE</td><td></td><td>5,713,971.07</td><td></td><td></td><td></td></tr><tr><td>TOTAL</td><td></td><td></td><td></td><td></td><td></td><td>-8,500.61</td><td>$8,500.61</td></tr></table>

## DIVIDENDS

<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>02/01/02</td><td>TYCO INTERNATIONAL LTD<br>REC 01/02/02 PAY 02/01/02</td><td>TYC</td><td>50,000</td><td>0.0125</td><td></td><td>625.00</td></tr><tr><td colspan="7">TOTAL</td><td>$625.00</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>02/21/02</td><td>INTEREST ON CREDIT BALANCE AT 1 1/4% 01/21 THRU 02/20</td><td></td><td></td><td>1.2500</td><td></td><td>196.54</td></tr><tr><td colspan="7">TOTAL</td><td>$196.54</td></tr></tbody></table>

## MISCELLANEOUS

<table border="1"><tr><td>DATE MO/DAY</td><td>TRANSACTION</td><td>DESCRIPTION</td><td>DEBIT AMOUNT</td><td>CREDIT AMOUNT</td></tr><tr><td>01/28/02</td><td>JOURNAL</td><td>MARK TO MARKET</td><td></td><td>412.42</td></tr><tr><td>01/28/02</td><td>JOURNAL</td><td>MARK TO MARKET SHORT POS</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></table>



02/23/02;10:07 001


027