EFTA00198833

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 ... 3

Transaction Detail ... 4

Fund Activity 4





# 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



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.

Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859

Your Portfolio at a Glance



INTERNATIONAL CHARITABLE



<table border="1"><tr><td>NET CREDIT BALANCE</td><td>113,758</td></tr><tr><td>MONEY MARKET FUND BALANCE</td><td>9,335,600</td></tr><tr><td>NET EQUITY THIS PERIOD</td><td>$9,449,358</td></tr><tr><td>NET EQUITY LAST STATEMENT</td><td>9,436,156</td></tr><tr><td>CHANGE SINCE LAST STATEMENT</td><td>13,202</td></tr></table>

STATEMENT PERIOD October 26, 2002

ACCOUNT NUMBER

TAXPAYER NUMBER On File

| LAST STATEMENT | October 25, 2002 |

| :--- | :--- |

Market Value of Your Portfolio

THROUGH November 29, 2002

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.

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EFTA00198834

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

EFTA00198835



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>$113,658.70</td></tr><tr><td>Money Fund</td><td>13,102.87</td></tr><tr><td>Dividends/Interest</td><td>99.17</td></tr><tr><td>Amount Credited</td><td>$13,202.04</td></tr><tr><td>Money Fund</td><td>-13,102.87</td></tr><tr><td>Amount Debited</td><td>$-13,102.87</td></tr><tr><td>Net Cash Activity</td><td>99.17</td></tr><tr><td>ClosingBalance</td><td>$113,757.87</td></tr></table>

Cash Balance Summary

<table border="1"><tr><td></td><td>OPENING</td><td>CLOSING</td></tr><tr><td>Cash</td><td>113,658.70</td><td>113,757.87</td></tr><tr><td>Net Cash Balance</td><td>$113,658.70</td><td>$113,757.87</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>13,102.87</td><td>35,600.06</td></tr><tr><td>Credit Balance Int.</td><td>99.17</td><td>3,290.75</td></tr><tr><td>Total</td><td>$13,202.04</td><td>$38,890.81</td></tr></table>

Portfolio Composition

<table border="1"><tr><td>Cash/Cash Equivalent</td><td>9,449,358</td></tr><tr><td>Total</td><td>$9,449,358</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>113,758</td><td></td><td></td></tr></tbody></table>

027



CLEARED THROUGH ITS

WHOLLY OWNED SUBSIDIARY



Bear, Stearns Securities Corp.

One Metrotech Center North

Brocklyn, New York 11201-3859



INTERNATIONAL CHARITABLE



<table><thead><tr><th>STATEMENT PERIOD</th><td>October 26, 2002</td></tr></thead><tbody><tr><td>THROUGH</td><td>November 29, 2002</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 25, 2002</td></tr></tbody></table>

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.

EFTA00198836



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 1,3900%</td><td>DICXX</td><td>9,335,600.06</td><td>1.0000</td><td>9,335,600</td><td>158,705</td><td>1.7000</td></tr><tr><td>TOTAL CASH &amp; CASH EQUIVALENTS</td><td></td><td></td><td></td><td>$9,449,358</td><td>$158,705</td><td></td></tr></tbody></table>

<table border="1"><tr><td>YOUR TOTAL ESTIMATED ANNUAL INCOME</td><td>$158,705</td></tr><tr><td>YOUR PRICED PORTFOLIO HOLDINGS</td><td>$9,449,358</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 October 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 AMOUNT</th></tr></thead><tbody><tr><td>10/26/02</td><td></td><td>OPENINGBALANCE</td><td></td><td>9,322,497.19</td><td></td><td></td><td></td></tr><tr><td>11/01/02</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>13,102.87</td></tr><tr><td>11/01/02</td><td>REINVEST</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES DIVIDEND REINVESTED</td><td>DICXX</td><td>13,102.87</td><td></td><td>13,102.87</td><td></td></tr><tr><td>11/29/02</td><td></td><td>CLOSINGBALANCE</td><td></td><td>9,335,600.06</td><td></td><td></td><td></td></tr><tr><td colspan="5">TOTAL</td><td></td><td>-13,102.87</td><td>$13,102.87</td></tr></tbody></table>

THROUGH November 29, 2002



ACCOUNT NUMBER



| LAST STATEMENT | October 25, 2002 |

| :--- | :--- |

TAXPAYER NUMBER On File

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EFTA00198837



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)



INTEREST


STATEMENT PERIOD October 26, 2002

THROUGH November 29, 2002

ACCOUNT NUMBER

TAXPAYER NUMBER On File

<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>11/21/02</td><td>INTEREST ON CREDIT BALANCE<br>AT 0 3/4% 11/06 THRU 11/20</td><td></td><td></td><td>0.7500</td><td></td><td>35.52</td></tr><tr><td>11/21/02</td><td>INTEREST ON CREDIT BALANCE<br>AT 1 1/4% 10/21 THRU 11/05</td><td></td><td></td><td>1.2500</td><td></td><td>63.65</td></tr><tr><td colspan="6">TOTAL</td><td>$99.17</td></tr></tbody></table>

| LAST STATEMENT | October 25, 2002 |

| :--- | :--- |





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



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