EFTA00198838

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 4

Fund Activity 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



CLEARED THROUGH ITS

WHOLLY OWNED SUBSIDIARY



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

<table border="1"><tr><td>NET CREDIT BALANCE</td><td>113,659</td></tr><tr><td>MONEY MARKET FUND BALANCE</td><td>9,322,497</td></tr><tr><td>NET EQUITY THIS PERIOD</td><td>$9,436,156</td></tr><tr><td>NET EQUITY LAST STATEMENT</td><td>9,542,114</td></tr><tr><td>CHANGE SINCE LAST STATEMENT</td><td>-105,958</td></tr></table>



INTERNATIONAL CHARITABLE





ACCOUNT NUMBER



STATEMENT PERIOD September 28, 2002

TAXPAYER NUMBER On File

| LAST STATEMENT | September 27, 2002 |

| :--- | :--- |

THROUGH October 25, 2002

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.

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| :--- | :--- |
| 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 | 10/26/02; 10:31 001 |

EFTA00198839



CLEARED THROUGH ITS
WHOLLY OWNED SUBSIDIARY




2 of 6


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

STATEMENT BACKER IS PRINTED ON THIS PAGE



INTERNATIONAL CHARITABLE


027

EFTA00198840



BEAR
STEARNS


OFFICE SERVICING YOUR ACCOUNT

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

3 of 6

Cash Flow Analysis

<table border="1"><tr><td></td><td>THIS PERIOD</td></tr><tr><td>OpeningBalance</td><td>$469,941.16</td></tr><tr><td>Securities Sold</td><td>63,172.01</td></tr><tr><td>Money Fund</td><td>12,432.16</td></tr><tr><td>Dividends/Interest</td><td>241.98</td></tr><tr><td>Miscellaneous</td><td>3,325.55</td></tr><tr><td></td><td></td></tr><tr><td>Amount Credited</td><td>$79,171.70</td></tr><tr><td></td><td></td></tr><tr><td>Money Fund</td><td>-312,432.16</td></tr><tr><td>Funds Withdrawn</td><td>-123,022.00</td></tr><tr><td></td><td></td></tr><tr><td>Amount Debited</td><td>$-435,454.16</td></tr><tr><td></td><td></td></tr><tr><td>Net Cash Activity</td><td>-356,282.46</td></tr><tr><td></td><td></td></tr><tr><td>Closing Balance</td><td>$113,658.70</td></tr></table>

Cash Balance Summary

<table border="1"><tr><td></td><td>OPENING</td><td>CLOSING</td></tr><tr><td>Cash</td><td>469,941.16</td><td>113,658.70</td></tr><tr><td>Net Cash Balance</td><td>$469,941.16</td><td>$113,658.70</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>12,432.16</td><td>22,497.19</td></tr><tr><td>Credit Balance Int.</td><td>241.98</td><td>3,191.58</td></tr><tr><td>Total</td><td>$12,674.14</td><td>$25,688.77</td></tr></table>

Portfolio Composition

<table border="1"><tr><td>Cash/Cash Equivalent</td><td>9,436,156</td></tr><tr><td>Total</td><td>$9,436,156</td></tr></table>



CLEARED THROUGH ITS

WHOLLY OWNED SUBSDIARY



Bear, Steams Securities Corp.

One Metrotech Center North

Brooklyn, New York 11201-3859



INTERNATIONAL CHARITABLE



| STATEMENT PERIOD | September 28, 2002 |
| :--- | :--- |
| THROUGH | October 25, 2002 |



ACCOUNT NUMBER



TAXPAYER NUMBER On File

| LAST STATEMENT | September 27, 2002 |

| :--- | :--- |

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

EFTA00198841



BEAR
STEARNS


OFFICE SERVICING YOUR ACCOUNT

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

4 of 6

## 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>113,659</td><td></td><td></td></tr><tr><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES EST. 30 DAY AVG YIELD 1,6600%</td><td>DICXX</td><td>9,322,497.19</td><td>1.0000</td><td>9,322,497</td><td>158,482</td><td>1.7000</td></tr><tr><td>TOTAL CASH &amp; CASH EQUIVALENTS</td><td></td><td></td><td></td><td>$9,436,156</td><td>$158,482</td><td></td></tr></tbody></table>



CLEARED THROUGH ITS

WHOLLY OWNED SUBSDIARY



<table border="1"><tr><td>YOUR TOTAL ESTIMATED ANNUAL INCOME</td><td>$158,482</td></tr><tr><td>YOUR PRICED PORTFOLIOHOLDINGS</td><td>$9,436,156</td></tr></table>



Bear, Steams Securities Corp.

One Metrotech Center North Brooklyn, New York 11201-3859



## INVESTMENT ACTIVITY



Transaction Detail


INTERNATIONAL CHARITABLE

STATEMENT PERIOD September 28, 2002



ACCOUNT NUMBER



| THROUGH | October 25, 2002 |

| :--- | :--- |

TAXPAYER NUMBER On File

| LAST STATEMENT | September 27, 2002 |

| :--- | :--- |

<table><thead><tr><th>SETTLEMENT DATE</th><th>TRADE DATE</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>10/07/02</td><td>10/02/02</td><td>SOLD</td><td>UNITED RETAIL GROUP INC<br>AVG PRICE SHOWN-DETAILS ON REQ<br>ACTUAL CONFIRM TO YOUR AGENT<br>AVG PRICE: DETAILS ON REQUEST<br>AS OF 10/02/02</td><td>URGI</td><td>-13,650</td><td>4.65060</td><td></td><td>62,657.27</td></tr><tr><td>10/08/02</td><td></td><td>RECEIVED</td><td>CANDIES INC</td><td>CAND</td><td>502</td><td></td><td></td><td></td></tr><tr><td>10/25/02</td><td>10/22/02</td><td>SOLD</td><td>CANDIES INC<br>UNSOLICITED</td><td>CAND</td><td>-502</td><td>1.13000</td><td></td><td>514.74</td></tr><tr><td colspan="8">TOTAL</td><td>$63,172.01</td></tr></tbody></table>

027



10/26/02;10:31 001


EFTA00198842



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 Metrotech Center North Brooklyn, New York 11201-3859





INTERNATIONAL CHARITABLE



## **Transaction Detail** (continued)

DEPOSITS AND WITHDRAWALS

STATEMENT PERIOD September 28, 2002

| THROUGH | October 25, 2002 |

| :--- | :--- |

ACCOUNT NUMBER

<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>10/01/02</td><td>FND WIRED</td><td>MDA JPMORGAN CHASE BANK ENDS WIRED TO</td><td>117,430.00</td><td></td></tr><tr><td>10/24/02</td><td>CHECK</td><td>CK # GEORGE V. DELSON</td><td>5,592.00</td><td></td></tr><tr><td colspan="3">TOTAL</td><td>-123,022.00</td><td></td></tr></tbody></table>

| LAST STATEMENT | September 27, 2002 |

| :--- | :--- |

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>09/28/02</td><td></td><td>OPENINGBALANCE</td><td></td><td>9,010,065.03</td><td></td><td></td><td></td></tr><tr><td>10/01/02</td><td>DIVIDEND</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES<br>MONTHLY DIVIDEND</td><td>DICXX</td><td></td><td></td><td></td><td>12,432.16</td></tr><tr><td>10/01/02</td><td>REINVEST</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES<br>DIVIDEND REINVESTED</td><td>DICXX</td><td>12,432.16</td><td></td><td>12,432.16</td><td></td></tr><tr><td>10/02/02</td><td>BOUGHT</td><td>DREYFUS CASH MANAGEMENT-CL A INSTITUTIONAL SHARES</td><td>DICXX</td><td>300,000</td><td>1.0000</td><td>300,000.00</td><td></td></tr><tr><td>10/25/02</td><td></td><td>CLOSINGBALANCE</td><td></td><td>9,322,497.19</td><td></td><td></td><td></td></tr><tr><td colspan="5">TOTAL</td><td></td><td>-312,432.16</td><td>$12,432.16</td></tr></tbody></table>

027



10/26/02;10:31 001


EFTA00198843



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

6 of 6



INTERNATIONAL CHARITABLE



## **Transaction Detail** (continued)

STATEMENT PERIOD September 28, 2002



INTEREST


| THROUGH | October 25, 2002 |

| :--- | :--- |



ACCOUNT 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>10/21/02</td><td>INTEREST ON CREDIT BALANCE AT 1 1/4% 09/21 THRU 10/20</td><td></td><td></td><td>1.2500</td><td></td><td>241.98</td></tr><tr><td colspan="7">TOTAL</td><td>$241.98</td></tr></tbody></table>

| LAST STATEMENT | September 27, 2002 |

| :--- | :--- |

TAXPAYER NUMBER On File

## 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>10/08/02</td><td>JOURNAL</td><td>FROM: SJZ/<br>* JRL *</td><td>-1-USD</td><td>3,225.55</td></tr><tr><td>10/11/02</td><td>JOURNAL</td><td>FROM: SJZ/<br>* JRL *</td><td>-2-USD</td><td>100.00</td></tr><tr><td colspan="4">TOTAL</td><td>$3,325.55</td></tr></tbody></table>





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


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