EFTA00198670

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

Your Portfolio Holdings ... 4

Transaction Detail ... 5

Fund Activity 5





# INTERNATIONAL CHARITABLE INTS

FINANCIAL TRUST CO TTEE

DTD 4-28-94

ATTN JEANIE BRENNAN

6100 RED HOOK QUARTE STE B-3

ST THOMAS VI 00802



CLEARED THROUGH ITS

WHOLLY OWNED SUBSIDIARY



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

## Your Portfolio at a Glance

Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859

<table border="1"><tr><td>LONG ACCRUED INTEREST</td><td>1</td></tr><tr><td>NET CREDIT BALANCE</td><td>221,474</td></tr><tr><td>MONEY MARKET FUND BALANCE</td><td>3,435,760</td></tr><tr><td>NET EQUITY THIS PERIOD</td><td>$3,657,235</td></tr><tr><td>NET EQUITY LAST STATEMENT</td><td>3,497,598</td></tr><tr><td>CHANGE SINCE LAST STATEMENT</td><td>159,637</td></tr></table>

*This portfolio includes one or more unpriced securities that are not reflected in the Total Value of Securities and the Net Equity This Period.

| LAST STATEMENT | October 26, 2001 |

| :--- | :--- |



INTERNATIONAL CHARITABLE INTS



ACCOUNT NUMBER

TAXPAYER NUMBER On File

STATEMENT PERIOD October 27,2001

THROUGH November 30, 2001

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.

| SIPC | 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 | 12/01/01:10:46 001 |

EFTA00198671



CLEARED THROUGH ITS
WHOLLY OWNED SUBSIDIARY




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

STATEMENT BACKER IS PRINTED ON THIS PAGE



INTERNATIONAL CHARITABLE INTS


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EFTA00198672



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>$69,259.25</td></tr><tr><td>Money Fund</td><td>7,421.33</td></tr><tr><td>Funds Deposited</td><td>152,106.23</td></tr><tr><td>Dividends/Interest</td><td>108.40</td></tr><tr><td>Amount Credited</td><td>$159,635.96</td></tr><tr><td>Money Fund</td><td>-7,421.33</td></tr><tr><td>Amount Debited</td><td>$-7,421.33</td></tr><tr><td>Net Cash Activity</td><td>152,214.63</td></tr><tr><td>Closing Balance</td><td>$221,473.88</td></tr></table>

Cash Balance Summary

<table border="1"><tr><td></td><td>OPENING</td><td>CLOSING</td></tr><tr><td>Cash</td><td>69,259.25</td><td>221,473.88</td></tr><tr><td>Net Cash Balance</td><td>$69,259.25</td><td>$221,473.88</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>7,421.33</td><td>35,760.38</td></tr><tr><td>Credit Balance Int.</td><td>108.40</td><td>9,110.19</td></tr><tr><td>Total</td><td>$7,529.73</td><td>$44,870.57</td></tr></table>

Portfolio Composition

<table border="1"><tr><td>Cash/Cash Equivalent</td><td>3,657,234</td></tr><tr><td>Total</td><td>$3,657,234</td></tr></table>

027

CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY

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



INTERNATIONAL CHARITABLE INTS



<table><tr><td>STATEMENT PERIOD</td><td>October 27, 2001</td></tr><tr><td>THROUGH</td><td>November 30, 2001</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>October 26, 2001</td></tr></table>



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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.

EFTA00198673



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 Mebrotech Center North

Brooklyn, New York 11201-3859

4 of 6

<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>221,474</td><td></td><td></td></tr><tr><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES EST. 30 DAY AVG YIELD 2,3800%</td><td>DICCX</td><td>3,435,760.38</td><td>1.0000</td><td>3,435,760</td><td>96,201</td><td>2.8000</td></tr><tr><td>TOTAL CASH &amp; CASH EQUIVALENTS</td><td></td><td></td><td></td><td>$3,657,234</td><td>$96,201</td><td></td></tr></tbody></table>

## Your Portfolio Holdings

## CASH & CASH EQUIVALENTS



INTERNATIONAL CHARITABLE INTS



## Government & Agency Obligations

STATEMENT PERIOD October 27,2001

THROUGH November 30, 2001



ACCOUNT NUMBER



<table><thead><tr><th>DESCRIPTION</th><th>SYMBOL/CUSIP</th><th>ACCT TYPE</th><th>QUANTITY</th><th>PRICE</th><th>MARKET VALUE</th><th>ACCRUED INTEREST</th><th>ESTIMATED ANNUAL INCOME</th><th>CURRENT YIELD (%)</th></tr></thead><tbody><tr><td>UNITED MTG SECS CORP</td><td></td><td>CASH</td><td>7,587,000</td><td>Unpriced</td><td></td><td>1</td><td>76</td><td></td></tr><tr><td>SERIES 93-1 CL B-2</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>DATED DATE 11/26/93</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>BOOK ENTRY ONLY</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>DUE 11/25/2003 .001%</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>FACTOR = 1.00000000</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Total Government&amp; Agency Obligations</td><td></td><td></td><td></td><td></td><td>$0</td><td>$1</td><td>$76</td><td></td></tr><tr><td>TOTAL FIXED INCOME</td><td></td><td></td><td></td><td></td><td>$0</td><td>$1</td><td>$76</td><td></td></tr></tbody></table>

## FIXED INCOME

TAXPAYER NUMBER On File

| LAST STATEMENT | October 26, 2001 |

| :--- | :--- |

<table border="1"><tr><td>YOUR TOTAL ACCRUED INTEREST</td><td>$1</td></tr><tr><td>YOUR TOTAL ESTIMATED ANNUAL INCOME</td><td>$96,277</td></tr><tr><td>YOUR PRICED PORTFOLIOHOLDINGS</td><td>$3,657,233</td></tr></table>

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EFTA00198674



BEAR
STEARNS


OFFICE SERVICING YOUR ACCOUNT

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



CLEARED THROUGH ITS
CLEARLY WOUNDED SUBSIDIARY



**5 of 6**



Bear, Steams Securities Corp.

One Meterotech Center North Brooklyn, New York 11201-3859



<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>11/19/01</td><td>DEPOSIT</td><td>INTNL CHRTBLE INTS OO BS MORGAN</td><td></td><td>8,520.75</td></tr><tr><td>11/20/01</td><td>FUNDS REC</td><td>FNDS WIRED TO CITIBANK FROM JPMORGAN CHASE BANK</td><td></td><td>3,296.57</td></tr><tr><td>11/26/01</td><td>FUNDS REC</td><td>FNDS WIRED TO CITIBANK FROM US BANK MINNESOTA</td><td></td><td>140,288.91</td></tr><tr><td colspan="4">TOTAL</td><td>$152,106.23</td></tr></tbody></table>



Transaction Detail


## DEPOSITS AND WITHDRAWALS



INTERNATIONAL CHARITABLE INTS



STATEMENT PERIOD October 27, 2001

THROUGH November 30, 2001



ACCOUNT NUMBER



| LAST STATEMENT | October 26, 2001 |

| :--- | :--- |

TAXPAYER NUMBER On File

## MONEY FUND ACTIVITY

<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 AMOUNT</th></tr></thead><tbody><tr><td>10/27/01</td><td></td><td>OPENINGBALANCE</td><td></td><td>3,428,339.05</td><td></td><td></td><td></td></tr><tr><td>11/01/01</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>7,421.33</td></tr><tr><td>11/01/01</td><td>REINVEST</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES DIVIDEND REINVESTED</td><td>DICCX</td><td>7,421.33</td><td></td><td>7,421.33</td><td></td></tr><tr><td>11/30/01</td><td></td><td>CLOSINGBALANCE</td><td></td><td>3,435,760.38</td><td></td><td></td><td></td></tr><tr><td colspan="5">TOTAL</td><td></td><td>-7,421.33</td><td>$7,421.33</td></tr></tbody></table>

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12/01/01;10:46 001


EFTA00198675



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



INTERNATIONAL CHARITABLE INTS



## **Transaction Detail** (continued)



INTEREST


STATEMENT PERIOD October 27, 2001

THROUGH November 30, 2001

ACCOUNT NUMBER

TAXPAYER NUMBER On File

| LAST STATEMENT | October 26, 2001 |

| :--- | :--- |

<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>11/21/01</td><td>INTEREST ON CREDIT BALANCE AT 1 1/2% 11/06 THRU 11/20</td><td></td><td></td><td>1.5000</td><td></td><td>44.13</td></tr><tr><td>11/21/01</td><td>INTEREST ON CREDIT BALANCE AT 2,000% 10/21 THRU 11/05</td><td></td><td></td><td>2.0000</td><td></td><td>64.27</td></tr><tr><td colspan="6">TOTAL</td><td>$108.40</td></tr></tbody></table>





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



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