## Statements

EFTA00198828

OFFICE SERVICING YOUR ACCOUNT

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



CLEARED THROUGH ITS

WHOLLY OWNED SUBSDIARY



| | |

| :--- | :--- |

| ACCOUNT EXECUTIVE | ZICHERMAN,IRA |

| TELEPHONE | |

| VISIT OUR WEBSITE | www.bearstearns.com |

Your Portfolio Holdings ... 3

Transaction Detail ... 4

## What’s In This Statement

Fund Activity 4

Your Messages ... 5





# INTERNATIONAL CHARITABLE

INTERESTS II DTD 08/30/94

FINCL TR CO INC TTEE \*

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



INTERNATIONAL CHARITABLE



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

STATEMENT PERIOD November 30, 2002



ACCOUNT NUMBER



THROUGH December 31, 2002

TAXPAYER NUMBER On File

| LAST STATEMENT | November 29, 2002 |

| :--- | :--- |

Your Portfolio at a Glance

<table border="1"><tr><td>NET CREDIT BALANCE</td><td>113,829</td></tr><tr><td>MONEY MARKET FUND BALANCE</td><td>9,346,503</td></tr><tr><td>NET EQUITY THIS PERIOD</td><td>$9,460,332</td></tr><tr><td>NET EQUITY LAST STATEMENT</td><td>9,449,358</td></tr><tr><td>CHANGE SINCE LAST STATEMENT</td><td>10,974</td></tr></table>

Market Value of Your Portfolio

## Important Message

If any information regarding 2002 interest, dividends, miscellaneous income, gross proceeds or original issue discount is required to be reported to the IRS for this account, a Consolidated Form 1099 will be mailed to you by January 31, 2003 or a 1042Sby March 17, 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 | 01/01/03:09:30 001 |

V639

EFTA00198829



CLEARED THROUGH ITS
WHOLLY OWNED SUBSIDIARY


2 of 5

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

STATEMENT BACKER IS PRINTED ON THIS PAGE



INTERNATIONAL CHARITABLE


027

EFTA00198830



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>$113,757.87</td></tr><tr><td>Money Fund</td><td>10,902.75</td></tr><tr><td>Dividends/Interest</td><td>71.10</td></tr><tr><td>Amount Credited</td><td>$10,973.85</td></tr><tr><td>Money Fund</td><td>-10,902.75</td></tr><tr><td>Amount Debited</td><td>$-10,902.75</td></tr><tr><td>Net Cash Activity</td><td>71.10</td></tr><tr><td>ClosingBalance</td><td>$113,828.97</td></tr></table>

Cash Balance Summary

<table border="1"><tr><td></td><td>OPENING</td><td>CLOSING</td></tr><tr><td>Cash</td><td>113,757.87</td><td>113,828.97</td></tr><tr><td>Net Cash Balance</td><td>$113,757.87</td><td>$113,828.97</td></tr></table>

Income Summary

<table border="1"><tr><td></td><td>THIS PERIOD</td><td>YEAR TO DATE</td></tr><tr><td>Dividends</td><td>10,902.75</td><td>46,502.81</td></tr><tr><td>Credit Balance Int.</td><td>71.10</td><td>3,361.85</td></tr><tr><td>Total</td><td>$10,973.85</td><td>$49,864.66</td></tr></table>

Portfolio Composition

<table border="1"><tr><td>Cash/Cash Equivalent</td><td>9,460,332</td></tr><tr><td>Total</td><td>$9,460,332</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>113,829</td><td></td><td></td></tr></tbody></table>

027



01/01/03;09:30 001




CLEARED THROUGH ITS

WHOLLY OWNED SUBSIDIARY



Bear, Stearns Securities Corp.

One Metrotech Center North

Brocklyn, New York 11201-3859



INTERNATIONAL CHARITABLE



| STATEMENT PERIOD | November 30, 2002 |
| :--- | :--- |
| THROUGH | December 31, 2002 |



ACCOUNT NUMBER



TAXPAYER NUMBER On File

| LAST STATEMENT | November 29, 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.

EFTA00198831



BEAR
STEARNS


OFFICE SERVICING YOUR ACCOUNT

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

4 of 5

## Your Portfolio Holdings (continued)

CASH & CASH EQUIVALENTS (continued)

<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>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD 1,2200%</td><td>DICXX</td><td>9,346,502.81</td><td>1.0000</td><td>9,346,503</td><td>130,851</td><td>1.4000</td></tr><tr><td>TOTAL CASH &amp; CASH EQUIVALENTS</td><td></td><td></td><td></td><td>$9,460,332</td><td>$130,851</td><td></td></tr></tbody></table>

<table border="1"><tr><td>YOUR TOTAL ESTIMATED ANNUAL INCOME</td><td>$130,851</td></tr><tr><td>YOUR PRICED PORTFOLIO HOLDINGS</td><td>$9,460,332</td></tr></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


INTERNATIONAL CHARITABLE

STATEMENT PERIOD November 30, 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 AMOUNT</th></tr></thead><tbody><tr><td>11/30/02</td><td></td><td>OPENINGBALANCE</td><td></td><td>9,335,600.06</td><td></td><td></td><td></td></tr><tr><td>12/02/02</td><td>DIVIDEND</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES MONTHLY DIVIDEND</td><td>DICXX</td><td></td><td></td><td></td><td>10,902.75</td></tr><tr><td>12/02/02</td><td>REINVEST</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES DIVIDEND REINVESTED</td><td>DICXX</td><td>10,902.75</td><td></td><td>10,902.75</td><td></td></tr><tr><td>12/31/02</td><td></td><td>CLOSINGBALANCE</td><td></td><td>9,346,502.81</td><td></td><td></td><td></td></tr><tr><td colspan="5">TOTAL</td><td></td><td>-10,902.75</td><td>$10,902.75</td></tr></tbody></table>

THROUGH December 31, 2002



ACCOUNT NUMBER



| LAST STATEMENT | November 29, 2002 |

| :--- | :--- |

TAXPAYER NUMBER On File

027



01/01/03;09:30 001


EFTA00198832



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 5





Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859



INTERNATIONAL CHARITABLE

## **Transaction Detail** (continued)

STATEMENT PERIOD November 30, 2002



INTEREST


THROUGH December 31, 2002

AGCOUNT NUMBER

<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>12/23/02</td><td>INTEREST ON CREDIT BALANCE AT 0 3/4% 11/21 THRU 12/20</td><td></td><td></td><td>0.7500</td><td></td><td>71.10</td></tr><tr><td colspan="6">TOTAL</td><td>$71.10</td></tr></tbody></table>

TAXPAYER NUMBER On File

| LAST STATEMENT | November 29, 2002 |

| :--- | :--- |

## Your messages



As part of the National Association of Securities Dealer's (NASD) Investor Education Program, you may obtain information on the NASD's Public Disclosure Program by contacting the NASD at telephone number (800) 289-9999 or via the internet address which is www.nasdr.com. In addition, a brochure explaining the Public Disclosure Program is available from the NASD upon request,





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



027



01/01/03;09:30 001