## Statements

EFTA00197584

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 |



CLEARED THROUGH ITS

WHOLLY OWNED SUBSIDIARY



## What’s In This Statement

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

Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859

HERITAGE INTERESTS

STATEMENT PERIOD May 31, 2003

ACCOUNT NUMBER

TAXPAYER NUMBER On File

THROUGH June 27, 2003

| LAST STATEMENT | May 30, 2003 |

| :--- | :--- |

## Your Portfolio at a Glance

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

<table border="1"><tr><td>NET EQUITY THIS PERIOD</td><td>0</td></tr><tr><td></td><td></td></tr><tr><td>NET EQUITY LAST STATEMENT</td><td>142</td></tr><tr><td>CHANGE SINCE LAST STATEMENT</td><td>-142</td></tr></table>

Market Value of Your Portfolio

## Important Message

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 06/28/03:12:00 001

EFTA00197585



CLEARED THROUGH ITS
WHOLLY OWNED SUBSIDIARY


2 of 4

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

HERITAGE INTERESTS

STATEMENT BACKER IS PRINTED ON THIS PAGE

027

EFTA00197586



BEAR
STEARNS


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



3 of 4


## Cash Flow Analysis

<table border="1"><tr><td></td><th>THIS PERIOD</th></tr><tr><td>Opening Balance</td><td>$141.86</td></tr><tr><td>Miscellaneous</td><td>-141.86</td></tr><tr><td>Amount Debited</td><td>$-141.86</td></tr><tr><td>Net Cash Activity</td><td>-141.86</td></tr><tr><td>Closing Balance</td><td>$0.00</td></tr></table>

Cash Balance Summary

<table border="1"><tr><td></td><td>OPENING</td><td>CLOSING</td></tr><tr><td>Cash</td><td>141.86</td><td>0.00</td></tr><tr><td>Net Cash Balance</td><td>$141.86</td><td>$0.00</td></tr></table>



Transaction Detail


## 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>06/10/03</td><td>JOURNAL</td><td>TO PER LOA</td><td>141.86</td><td></td></tr><tr><td colspan="3">TOTAL</td><td>-141.86</td><td></td></tr></tbody></table>



CLEARED THROUGH ITS

WHOLLY OWNED SUBSDIARY



Bear, Steams Securities Corp.

One Metrobate Center North Brooklyn, New York 11201-3859

HERITAGE INTERESTS

STATEMENT PERIOD May 31, 2003

THROUGH June 27, 2003

AGCOUNT NUMBER

TAXPAYER NUMBER On File

| LAST STATEMENT | May 30, 2003 |

| :--- | :--- |

027



06/28/03;12:00 001




V808


EFTA00197587



BEAR
STEARNS


OFFICE SERVICING YOUR ACCOUNT

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

4 of 4

## Your messages



With interest rates at their lowest in 45 years, income oriented clients are reminded of the risks inherent in attempting to maintain or increase the average yield on a fixed income portfolio. Generally, securities carrying a higher yield come with some combination of added credit risk, extended maturities, reduced liquidity, or special call features. Rising interest rates can cause a decline in the market value of your portfolio, which will impact your principal if securities are sold prior to maturity. Please consult your Bear Stearns account executive if you would like to discuss your fixed income portfolio. As a leader in Fixed Income, Bear Stearns can analyze any portfolio, held here or elsewhere and make recommendations such that your portfolio is aligned within your tolerance for risk.



CLEARED THROUGH ITS

CLEARLY WOUNDED SUBSIDIARY



Bear, Steams Securities Corp.

One Metratech Center North Brooklyn, New York 11201-3859



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


HERITAGE INTERESTS

ACCOUNT NUMBER

STATEMENT PERIOD May 31, 2003

THROUGH June 27, 2003

TAXPAYER NUMBER On File

| LAST STATEMENT | May 30, 2003 |

| :--- | :--- |

027



06/28/03;12:00 001


EFTA00197588

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><tr><td>Financial Summary</td><td>3</td></tr><tr><td>Your Portfolio Holdings</td><td>3</td></tr><tr><td>Transaction Detail</td><td>4</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



## Your Portfolio at a Glance

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

<table border="1"><tr><td>NET CREDIT BALANCE</td><td>142</td></tr><tr><td>NET EQUITY THIS PERIOD</td><td>$142</td></tr><tr><td>NET EQUITY LAST STATEMENT</td><td>0</td></tr><tr><td>CHANGE SINCE LAST STATEMENT</td><td>142</td></tr></table>

Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859

HERITAGE INTERESTS

| LAST STATEMENT | August 30, 2002 |

| :--- | :--- |

STATEMENT PERIOD April 26, 2003

ACCOUNT NUMBER

TAXPAYER NUMBER On File

THROUGH May 30, 2003

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 05/31/03;15:30 001




V644


EFTA00197589



CLEARED THROUGH ITS
WHOLLY OWNED SUBSIDIARY


2 of 4

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

HERITAGE INTERESTS

STATEMENT BACKER IS PRINTED ON THIS PAGE

027

EFTA00197590



BEAR
STEARNS


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

3 of 4

## Cash Flow Analysis

<table border="1"><tr><td></td><td>THIS PERIOD</td></tr><tr><td>OpeningBalance</td><td>$0.00</td></tr><tr><td>Funds Deposited</td><td>141.86</td></tr><tr><td>Amount Credited</td><td>$141.86</td></tr><tr><td>Net Cash Activity</td><td>141.86</td></tr><tr><td>ClosingBalance</td><td>$141.86</td></tr></table>

Cash Balance Summary

<table border="1"><tr><td></td><td>OPENING</td><td>CLOSING</td></tr><tr><td>Cash</td><td>0.00</td><td>141.86</td></tr><tr><td>Net Cash Balance</td><td>$0.00</td><td>$141.86</td></tr></table>

Portfolio Composition

<table border="1"><tr><td>Cash/Cash Equivalent</td><td>142</td></tr><tr><td>Total</td><td>$142</td></tr></table>

## 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>142</td><td></td><td></td></tr><tr><td>TOTAL CASH &amp; CASH EQUIVALENTS</td><td></td><td></td><td></td><td>$142</td><td></td><td></td></tr></tbody></table>

<table border="1"><tr><td>YOUR PRICED PORTFOLIOHOLDINGS</td><td>$142</td></tr></table>



CLEARED THROUGH ITS

WHOLLY OWNED SUBSDIARY



Bear, Steams Securities Corp.

One Metrobate Center North Brooklyn, New York 11201-3859

027

STATEMENT PERIOD April 26, 2003

HERITAGE INTERESTS

THROUGH May 30, 2003

Your Portfolio Allocation



ACCOUNT NUMBER



TAXPAYER NUMBER On File

| LAST STATEMENT | August 30, 2002 |

| :--- | :--- |





05/31/03;15:30 001


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

EFTA00197591



BEAR
STEARNS


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

4 of 4



Transaction Detail


## DEPOSITS AND WITHDRAWALS

<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>05/23/03</td><td>DEPOSIT</td><td>BKONE OO HERITAGE INTERESTS CHASE</td><td></td><td>141.86</td></tr><tr><td colspan="4">TOTAL</td><td>$141.86</td></tr></tbody></table>





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




CLEARED THROUGH ITS

CLEARLY WOUNDED SUBSIDIARY





Bear, Steams Securities Corp.

One Metrotech Center North Brooklyn, New York 11201-3859



HERITAGE INTERESTS

STATEMENT PERIOD April 26, 2003

THROUGH May 30, 2003

ACCOUNT NUMBER

TAXPAYER NUMBER On File

| LAST STATEMENT | August 30, 2002 |

| :--- | :--- |

027



05/31/03;15:30 001




V644


EFTA00197592