EFTA00198411 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 ## What’s In This Statement CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY

Financial Summary	3
Transaction Detail	4

# INSTITUTIONAL INTERESTS C/O FINANCIAL TRUST COMPANY ATTN JEANNE BRENNAN 6100 RED HOOK QUARTER SUITE B-3 ST THOMAS VI 00802 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

NET EQUITY THIS PERIOD	0

NET EQUITY LAST STATEMENT	1,180
CHANGE SINCE LAST STATEMENT	-1,180

INSTITUTIONAL INTERESTS STATEMENT PERIOD July 27, 2002 ACCOUNT NUMBER THROUGH August 30, 2002 | LAST STATEMENT | July 26, 2002 | | :--- | :--- | TAXPAYER NUMBER On File Market Value of Your Portfolio 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 08/31:02:14:56 001 V566 EFTA00198412 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY 2 of 4 Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 INSTITUTIONAL INTERESTS STATEMENT BACKER IS PRINTED ON THIS PAGE 027 EFTA00198413 BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 3 of 4 Cash Flow Analysis

	THIS PERIOD
OpeningBalance	$1,179.77
Dividends/Interest	3,149.00
Miscellaneous	5,580.54
Amount Credited	$8,729.54
Miscellaneous	-9,909.31
Amount Debited	$-9,909.31
Net Cash Activity	-1,179.77
ClosingBalance	$0.00

Cash Balance Summary

	OPENING	CLOSING
Cash	493.88	0.00
Margin	685.89	0.00
Net Cash Balance	$1,179.77	$0.00

Income Summary

	THIS PERIOD	YEAR TO DATE
Dividends	3,149.00	49,811.92
Credit Balance Int.	0.00	6,925.68
Total	$3,149.00	$56,737.60
Foreign Tax Withheld	0.00	-124.31
Margin Int. Paid	0.00	-14.94

Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 INSTITUTIONAL INTERESTS STATEMENT PERIOD July 27, 2002 THROUGH August 30, 2002 ACCOUNT NUMBER TAXPAYER NUMBER On File | LAST STATEMENT | July 26, 2002 | | :--- | :--- | 027 08/31/02;14:56 001 V566 EFTA00198414 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 4 of 4 INSTITUTIONAL INTERESTS Transaction Detail STATEMENT PERIOD July 27, 2002 ## DIVIDENDS THROUGH August 30, 2002 ACCOUNT NUMBER TAXPAYER NUMBER On File

DATE	DESCRIPTION	SYMBOL/CUSIP	QUANTITY	RATE ($)	CREDIT AMOUNT
07/30/02	DOW CHEMICAL CO	DOW	9,400	0.3350	3,149.00
07/30/02	REC 06/28/02 PAY 07/30/02	DOW	9,400	0.3350	3,149.00
TOTAL						$3,149.00

DATE MO/DAY	TRANSACTION	DESCRIPTION	DEBIT AMOUNT	CREDIT AMOUNT
08/01/02	JOURNAL	FROM: * JRL *		685.89
08/01/02	JOURNAL	TO: * JRL *	685.89
08/01/02	JOURNAL	TO: * JRL *	4,328.77
08/02/02	JOURNAL	TO: * JRL *	4,328.77
08/02/02	JOURNAL	07/02 CLR CHG		72.00
08/02/02	JOURNAL	FROM: * JRL *		4,328.77
08/05/02	JOURNAL	TO: CLR * JRL *	72.00
08/05/02	JOURNAL	TO CLOSE LINE		493.88
08/05/02	JOURNAL	CASH TO CLOSE LINE	493.88
TOTAL			-9,909.31	$5,580.54

027 08/31/02;14:56 001