Statements EFTA00197462

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New = New York 10179 BEAR STEARNS ACCOUNT EXECUTIVE ZICHERMAN, IRA CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO December 1, 2001 THROUGH December 31,2001 TELEPHONE VISIT OUR WEBSITE wew.bearstearns.com . account xumccr = What’s In This Statement || Pe | ery end eee TAXPAYER NUMBER On File Financial summary ; 3 HERITAGE INTERESTS LAST STATEMENT November 30,2001 Your Portfolio Holdings . 1. 4 ote nae TRUST CO TTEE . . 7-30-91 “ Transaction Detail wees 5 rand ones ATTN JEANIE BRENNAN und Activity .. : 6100 RED HOOK QUARTER STE B-3 Your Messages 7 ST THOMAS VI 00802 i i Important ssage Your Portfolio at a Glance Market Value of Your Portfolio Me $5,466,503 if any information regarding es! miscellaneous income, juities Sstterit j iscount is i MONEY MARKET FUND BALANCE 4,098,139 $4,166,200 : $-1,22608 reported to the IRS for NET EQUITY THIS PERIOD NET EQUITY LAST STATEMENT CHANGE SINCE LAST STATEMENT $8,411,593 8,396,973 14,620 There are no "Stop Loss” orders or other pending buy or sell open orders on file for your account. Please report any difference cr non-receipt of checks of stocks, indicated as delivered to you, % Client Senices at 800-624-1428; or wre to Clant Services at Bear, Steams Securities Corp., One Metrotech Center North, Brooklyn, N.Y 11201-3659. this account, a Consolidated Form 1099 will be mailed to you by January 31,2002or 1042S by March 15,2002. fie22:] Current market value 288] Last statement's market value (C] Short market value ‘This summary is for informational purposes only. It s not intended as a tax document ‘This statemem should be retained for your records. See reverse side for important information, 027 01/03/02;08:34 001 vs19 EFTA00197463

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2 of? STATEMENT BACKER IS PRINTED ON THIS PAGE 01/03/02;08:34 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS vs19 EFTA00197464

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 3 of? Cash Flow Analysis Income Summary THIS PERIOD THIS PERIOD YEAR TO DATE OpeningBalance $1,366,840.20 Dividends 8,006.44 193,955.43 . Credit Balance Int. 186.55 28,925.93 Dividends/Interest 1,613.65 Total sacnsseeessssteenesnenennnee en ooo runes Sore Amount Cr ited $9,620.09 Money Fund 6,008.44 Portfolio Composition Net Cash Activity 1,613.65 Equities 2,945,000 Same day transfers of cash between account types are not included in this section, such transfers, as well as details for all other transactions tis period, appear in Transaction Detail Cash Balance Summary OPENING CLOSING Cash 38,614.02 38,800.57 Margin 121,226.30 1,329,652.30 Short 1,206,999.88 0.98 Net Cash Balance $1,366,840.20 $1,368.453.85 027 01/03/02;08:34 001 Cash & Equivalent. \ CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIKOO December 1, 2001 THROUGH December 31,2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT Novernber 30, 2001 Your Portfolio Allocation Equities 35% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, vs19 EFTA00197465

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 47 Your Portfolio Holdings CASH & CASH EQUIVALENTS ESTIMATED (QURRENT DESCRIPTION SYMBOUCUSIP QUANTITY PRICE VALUE ANNUAL INCOME _YELD (') CASH BALANCE DREYFUS CASH MANAGEMENT-CL A bICCcX 4,098,139.09 1.0000 4,098,139 94,257 2.3000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD _2.1000% TOTAL CASH & CASH EQUIVALENTS $5,466,593 $94,257 EQUITIES Equities & Options ACCT NANRKET ESTIMATED CURRENT DESCRIPTION SYMBOUCUSIF THRE QUANTITY PRICE VALUE __ ANNUAL INCOME YEU [%} TYCO INTERNATIONAL LTD TyY¢ CASH 50,000 58.9000 2,945,000 2,500 0.0849 Total Equities& Options $2.945,000 $2,500 TOTAL EQUITIES $2,945,000 $2,500 YOUR TOTAL ESTIMATED ANNUAL INCOME $96,757 YOUR PRICED PORTFOLIOHOLDINGS $8,411,592 oz? 01/0302;08:34 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIKOO December 1, 2001 December 31,2001 accout nuvecr TAXPAYER NUMBER On File THROUGH LAST STATEMENT Novernber 30, 2001 vs19 EFTA00197466

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North 383 Madison Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10179 a | HERITAGE INTERESTS 5 of? , STATEMENT PERIKOO December 1, 2001 THROUGH December 31,2001 accout nuvecr TAXPAYER NUMBER On File INVESTMENT ACTIVITY LAST STATEMENT — November 30, 2001 Transaction Detail SETTLEMENT TRADE DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT GREOIT AMOUNT 12/27/01 JOURNAL PNC FINANCIAL SVCS GROUP INC PNC -10,000 JOURNAL FROM TYPE 1 TO 2 ware JOURNAL BNC FINANCIAL SVCS GROUP INC JOURNAL FROM TYPE 1 TO 2 {2/2801 JOURNAT TCO INTERNATIONAL Ti’ We “177000 JOURNAL FROM TYPE 105 TO CLOSE OUT SHORT POS fos senennnennnenn pu renenenene onset ua acne a atenenenenenenesengegtnnnnes nent JOURNAL FROM TYPE 2 TOS TO CLOSE OUT SHORT POS JOURNAL FROM TYPE 2 TOS TO CLOSE OUT SHORT POS 12/28/01 JOURNAL TYCO INTERNATIONAL LTD TYC 11,000 JOURNAL FROM TYPE 1 TOS TO CLOSE OUT SHORT POS TOTAL MONEY FUND ACTIVITY DATE MOUDAY TRANSACTION: DESCAIPTION SYMBOUCUSIF QUANTITY PRICE OEBIT AMOUNT CREDIT AMOUNT 12/01/01 OPENINGBALANCE 4,090,132.65 12/03/01 DIVIDEND GREVFUS CASH MANAGEMENT: INSTITUTIONAL SHARES MONTHLY DIVIDEND A INSTITUTIONAL SHARES DIVIDEND REINVESTED 027 01/03/02;08:34 001 vs19 EFTA00197467

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 6 of? Transaction Detail (continued) MONEY FUND ACTIVITY (continued) OATE MO'DAY TRANSACTION: DESCAIPTION SYMBOUCUSIP QUANTITY PRICE 12/31/01 CLOSINGBALANCE 4,098,139.09 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIKOO December 1, 2001 THROUGH December 31,2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT Novernber 30, 2001 DEBIT AMOUNT CAEDIT AMOUNT TOTAL INTEREST DATE CESCRIPTION SYMBOLCUSIP QUANTITY RATE [%} CEBIT AMOUNT 12/21/01 INTEREST ONCREDIT BALANCE 1.2500 AT 1 1/4% 12/11 THRU 12/20 AT 1 1/2% 11/21 THRU 12/10 SHT ACCT FEE 11/21-122001 TRANSACTION DESCRIPTION DEBIT AMOUNT CREDXT AMOUNT JOURNAL MARK TO MARKET 19,300.00 JOURNAL MARK TO MARKET SHORT POS MARK TO MARKET SHORT POS JOURNAL MARK TO MARKET 33,172.00 12/24/01 JOURNAL MARK TO MARKET SHORT POS 027 01/03/02;08:34 001 $-8,006.44 $8,006.44 CAEDIT AMOUNT 55.71 1,427.10 $1,613.65 vs19 EFTA00197468

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 7 ot? Transaction Detail (continued) MISCELLANEOUS (continued) a TRANSACTION DESCRIPTION DEBIT AMOUNT JOURNAL MARK TO MARKET JOURNAL MARK TO MARKET SHORT POS 1,197,699.00 $-1,331.250.00 Your messages TZ 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. (stor ***e** End of Statement***** \ f oz? CREDIT AMOUNT 1,197,699.00 $1,331,250.00 01/03/02,06:34 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIKOO December 1, 2001 THROUGH December 31,2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT Novernber 30, 2001 vsiS EFTA00197469

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New = New York 10179 BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE wew.bearstearns.com What’s In This Statement CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD October 27,2001 Novernber 30, 2001 accouvt nuvecr TAXPAYER NUMBER On File LAST STATEMENT October 26,2001 THROUGH HERITAGE INTERESTS Financial SUMMALY asses — S Your Portfolio Holdings . 4 ote eae TRUST CO TTEE . , 7-30-91 . Transaction Detail 5 rand hehe ATTN JEANIE BRENNAN 4 NY a : 6100 RED HOOK QUARTER STE B-3 ST THOMAS VI 00802 Your Portfolio at a Glance Market Value of Your Portfolio TOTAL VALUE OF SECURIMIES THIS PERIOD © 2,940,000 Cash & Equivalent Eee & ye ooo MONEY MARKET FUND BALANCE 4,090,133 $3,658,000 : $-1,133,000 sat coun Teo ewe ce ory NET EQUITY LAST STATEMENT 7,968,968 CHANGE SINCE LAST STATEMENT 428,005 There are no “Stop Loss” orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr nce-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securitios Corp., One Metrolech Center North, Brooklyn, N.Y. 11201-3859. | | Current market value $288] Last statements market value [Short market value ‘This summary ts for informational purposes only. It Is not intended as a tax document ‘This statemem should be retained for your records. See reverse side for important information, 027 12101/01;10:46 001 v813 EFTA00197470

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2 of 6 STATEMENT BACKER IS PRINTED ON THIS PAGE 12101/01;10:46 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS v813 EFTA00197471

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR STEARNS 3 of 6 383 Madison Avenue Cash Flow Analysis THIS PERIOD OpeningBalance $1,363.408.10 Money Fund 9,573.11 Funds Deposited 740.00 Dividends/Interest 2,829.60 Amount Credited $13,142.71 Money Fund -9,573.11 Dividends/Interest Charged -137.50 Amount Debited $-9,710.61 Net Cash Activity 3,432.10 ‘Same day transfers of cash between account types are not included in this section; such transfers, as well as details for all other transactions tis period, appear in Transaction Detail. New York, New York 10179 Cash Balance Summary OPENING CLOSING Cash 36,747.69 38,614.02 Margin 262,384.30 121,226.30 Short 1,064,276.11 1,206,999.88 Net Cash Balance $1,363,408.10 $1,366,840.20 Income Summary THS PERIOD YEAR TO DATE Dividends 10,335.61 185,948.99 Credit Balance Int. 363.83 28,739.38 Total $10,699.44 $214,688.37 Portfolio Composition SHORT LONG Cash/Cash Equivalent 5,456,973 Equities 1,226,300 4,166,300 027 12101/01;10:46 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD October 27,2001 THROUGH November 30,2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT October 26,2001 Your Portfolio Allocation Equities 38% — Short Equities 11% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, v813 EFTA00197472

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 4 of6 Your Portfolio Holdings CASH & CASH EQUIVALENTS ESTIMATED (QURRENT DESCRIPTION SYMBOLICUSIP QUANTITY PRICE VALUE ANNUAL INCOME —_YELD (14) CASH BALANCE DREYFUS CASH MANAGEMENT-CL A bICCcX 4,090,132.65 1.0000 4,090,133 114,524 2.8000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD 2. 3800% TOTAL CASH & CASH EQUIVALENTS $5,456,973 $114,524 EQUITIES Equities & Options ACCT NAARKET ESTIMATED CURPENT DESCRIPTION SYMBOUCUSIP TYE QUANTITY PRKE VALUE __ ANNUAL INCOME YEU [%) PNC FINANCIAL SVCS GROUP INC PNC CASH 10,000 57.9500 $79,500 19,200 3.3132 PNC FINANCIAL SVCSGAOUP INC PNC -10,000 57.9500 -579,500 -19,200 TYCO INTERNATIONAL LTD TyY¢ 61,000 58.8000 3,586,800 TYCO INTERNATIONAL LTD TyYc SHAT -11,000 58.8000 -646,800 Total Equities& Options $2.940,000 TOTAL EQUITIES $2,940,000 YOUR TOTAL ESTIMATED ANNUAL INCOME $117,024 YOUR PRICED PORTFOLIOHOLDINGS $8,396,973 02? 1201/01 ;10:46 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD October 27,2001 Novernber 30, 2001 accout nuvecr TAXPAYER NUMBER On File THROUGH LAST STATEMENT October 26,2001 v613 EFTA00197473

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Steams Securities Corp. Bear, Stearns & Co. Inc. One Metrotech Center North 383 Madison Avenue Brocklyn, New York 11201-3859 STEARNS New York, New York 10179 | Pe HERITAGE INTERESTS 5 of 6 STATEMENT PERIOD October 27,2001 THROUGH November 30,2001 Transaction Detail accout nuvecr TAXPAYER NUMBER On File DEPOSITS AND WITHDRAWALS LAST STATEMENT October 26, 2001 DATE TRANSACTION DESCRETION DEBIT AMOUNT CREDIT AMOUNT 11/19/01 DEPOSIT HERITAGE INTS OO BS MORGAN 740.00 TOTAL $740.00 MONEY FUND ACTIVITY DATE MO'DAY TRANSACTION DESCAIPTION SYMBOUCUSIP QUANTITY PRICE CEBIT AMOUNT CAEDIT AMOUNT 10/27/01 OPENINGBALANCE 4,080,559.54 SHARES INSTITUTIONAL MONTHLY DIVI SAEVPUS CR INSTITUTIONAL SHARES DIVIDEND REINVESTED tEINVESY CEMENT C 11/30/01 CLOSINGBALANCE 4.090,132.65 TOTAL $-9,573.11 $9,573.11 DIVIDENDS DATE DESCRIPTION SYMBOUCUSIP QUANTITY AATE ($) DEBIT AMOUNT CAEDIT AMOUNT 11/01/01 TYCO INTERNATIONAL LTD Ty 61,000 0.0125 762.50 REC 10/01/01 PAY 11/01/01 TYCO INTERNATIONAL LTD Ty 137.50 DIV CHG 11000 SHS SHORT REC 10/01/01 PAY 11/01/01 TOTAL $-137.50 $762.50 o27 12101/01;10:46 001 vS13 EFTA00197474

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 6 of6 Transaction Detail (continued) INTEREST DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) CEBIT AMOUNT 71/21/01 INTEREST ONCREDIT BALANCE 7.5000 AT 1 1/2% 11/06 THRU 11/20 iE EEE BCR CE nn nnn manne AT 2.000% 10/21 THRU 11/05 THST01 SAT ACCT FEE 10/211720 01 Weir CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD October 27,2001 THROUGH November 30,2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT October 26,2001 (CREDIT AMOUNT 126.00 1,703.27 TOTAL $2,067.10 MISCELLANEOUS TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT JOURNAL MARK TO MARKET 68,72 {oresior IOUANAT HARK TO MARKET SHORT POS THER nner ene an TTOSiOT IOUENAT “MARK TO MARKET SHORT POS 776160" JOURNAL MARK TO MARKET 19707 JOURNAL MARK TO MARKET SHORT POS 4,559.00" 11/26/01 JOURNAL ORT 21,356.00 TOTAL $-165,778.00 $165,778.00 (stor ****** End of Statement"***** VY 027 12101/01;10:46 001 v613 EFTA00197475

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New = New York 10179 BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE What’s In This Statement wow.bearstearns.com Financial SUMMALY sscsssssscsssessnscasecnensaee Your Portfolio Holdings . Transaction Detail Fund Activity ,.., Your Messages susssssssseseee: oun & w Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD NET CREDIT BALANCE MONEY MARKET FUND BALANCE 2,525,000 1,363,408 4,080,560 sat coun nes eee eS O68 NET EQUITY LAST STATEMENT 7,887,989 CHANGE SINCE LAST STATEMENT 80,979 There are no "Stop Loss” orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securitios Corp., One Metrolech Center North, Brooklyn, N.Y. 11201-3859, CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD September 29, 2001 THROUGH ACCOUNT NUMBER TAXPAYER NUMBER On File HERITAGE INTERESTS FINANCIAL TRUST CO TTEE OTD 7-30-91 . ATTN JEANIE BRENNAN 6100 RED HOOK QUARTER STE B-3 ST THOMAS VI 00802 Market Value of Your Portfolio $5,443,968 Equities $3,658,000 : $-1,133,000 $3,348,000 : $-1,078,000 | | Current market value $28] Last statements market value [Short market value This summary is for informational purposes only. It is not intended as a tax document ‘This statemem should be retained for your records. See reverse side for important information. oe? 10/27/01,09:11 001 October 26,2001 LAST STATEMENT September 28, 2001 vsa2 EFTA00197476

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2 of8 STATEMENT BACKER IS PRINTED ON THIS PAGE 10/27101,09:11 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS EFTA00197477

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 3 of8 Cash Flow Analysis THIS PERIOD OpeningBalance $1,374,042.62 Money Fund 186,613.24 Dividends/Interest 7184.48 Amount Cr ited $193,797.72 Money Fund 11,613.24 Funds Withdrawn -188,019.00 Dividends/Interest Charged -4,800.00 Amount Debited $-204,432.24 Net Cash Activity -10,634.52 ‘Same day transfers of cash between account types are not included in this section; such transfers, as well as details for all other transactions tis period, appear in Transaction Detail. Cash Balance Summary OPENING CLOSING Cash 44,407.40 36,747.69 Margin 356,634.30 262,384.30 Short 973,000.92 1,064,.276.11 Net Cash Balance $1,374,04262 $1,363,408.10 Income Summary THS PERIOD YEAR TO DATE Dividends 16.413.24 175,613.38 Credit Balance Int. 559.29 28,375.55 Total $16,972.53 ceetann 203,988.93 Portfolio Composition SHORT LONG Cash/Cash Equivalent 5,443,968 Equities 1,133,000 3,658,000 027 10/27/01 09:11 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD September 29, 2001 THROUGH October 26,2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT September 28, 2001 Your Portfolio Allocation Equities 35% — Short Equities 11% Unehaded portions denote debt balance andior short market values. The alocation percentage is derived from the absohte market value of your portloio, vsa2 EFTA00197478

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 4 of8 Your Portfolio Holdings CASH & CASH EQUIVALENTS ESTIMATED (QURRENT DESCRIPTION SYMBOUCUSIP QUANTITY PRICE VALUE ANNUAL INCOME _YELD (') CASH BALANCE DREYFUS CASH MANAGEMENT-CL A bICCcX 4,080,559.54 1.0000 4,080,560 134,658 3.3000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD 2, 7900% TOTAL CASH & CASH EQUIVALENTS $5,443,968 $134,658 EQUITIES Equities & Options ACCT NANRKET ESTIMATED CURRENT DESCRIPTION SYMBOUCUSIP TRE QUANTITY PRICE VALUE ANNUAL INCOME YEU [%) PNC FINANCIAL SVCS GROUP INC PNC CASH 10,000 57.7500 $77,500 19,200 3.3247 PNC FINANCIAL SVCSGAOUP INC PNC -10,000 57.7500 -577,500 -19,200 TYCO INTERNATIONAL LTD TyY¢ 61,000 50.5000 3,080,500 TYCO INTERNATIONAL LTD TyYc SHAT -11,000 50.5000 -555,500 Total Equities& Options $2,525,000 TOTAL EQUITIES $2,525,000 YOUR TOTAL ESTIMATED ANNUAL INCOME $137,158 YOUR PRICED PORTFOLIOHOLDINGS $7,968,968 oz? 10/27/01,09:11 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO September 29, 2001 October 26,2001 accout nuvecr TAXPAYER NUMBER On File September 28, 2001 THROUGH LAST STATEMENT vso2 EFTA00197479

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 5 of@ Transaction Detail INVESTMENT ACTIVITY SETTLEMENT TRADE CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD September 29,2001 THROUGH October 26,2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT September 28, 2001 DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 10/24/01 EXPIRED CALL TYCO INTL OCT 055**** 9021249/7 500 EXP 10/20/2001 TOTAL DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRETION DEBIT AMOUNT CREDIT AMOUNT 10/01/01 FND WIRED 174,484.00 TOTAL $-188,019.00 MONEY FUND ACTIVITY DATE MODAY TRANSACTION DESCAIPTION 09/29/01 OPENINGBALANCE MANAGEMENT. —" A INSTITUTIONAL SHARES MONTHLY DIVIDEND A SYMBOUCUSIP QUANTITY PRICE CEBIT AMOUNT CAEDIT AMOUNT 4,243.946.30 027 10V27101;09:11 001 vsa2 EFTA00197480

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Con Bear, Stearns & Co. Inc. One Mebane ‘Center ‘eae 383 Madison Avenue Brocklyn, New York 11201-3859 STEARNS a" 10179 6 of8 HERITAGE INTERESTS STATEMENT PERIOD September 29, 2001 THROUGH Transaction Detail (continued) October 26, 2001 accout nuvecr TAXPAYER NUMBER On File MONEY FUND ACTIVITY (continued) LAST STATEMENT September 28, 2001 OATE MODAY TRANSACTION: DESCAIPTION SYMBOUCUSIP QUANTITY PRICE DEBIT AMOUNT CAEDIT AMOUNT 10/01/01 REINVEST REECE CASH. MANAGEMENT-CL A DICCK 11,613.24 11,613.24 DIVIDEND REINVESTED 10/26/01 CLOSINGBALANCE 4,080,559.54 TOTAL $-11,613.24 DIVIDENDS DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE ($) CEBIT AMOUNT CAEDIT AMOUNT 10/15/01 PNC FINANCIAL SVCS GROUP INC PNC 4,800.00 DIV CHG 10000 SHS SHORT REC 10/12/01 PAY 10/24/01 {Oi24)07" PNG FINANCIAL SVCS GROUP INC BNG {0,000°°""6"4800 4,800.00 REC 10/12/01 PAY 10/24/01 TOTAL $-4.800.00 $4,800.00 INTEREST DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) CERT AMOUNT CAEDIT AMOUNT 10/22/01 INTEREST ONCREDIT BALANCE 1.5000 30.85 AT 1 1/2% 09/21 THRU 09/23 AT 2 09/24 THRU 10/01 AT 2.000% 10/02 THRU 10/20 ioeeior™ {orszi07" 027 10/27/0109:11 001 $186,613.24 vso2 EFTA00197481

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North 383 Madison Avenue Brocklyn, New York 11201-3859 STEARNS a" 10179 7 of6 HERITAGE INTERESTS STATEMENT PERIOD September 29, 2001 THROUGH October 26,2001 Transaction Detail (continued) accouvt xumcce TAXPAYER NUMBER On File INTEREST (continued) LAST STATEMENT September 28, 2001 DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE [%} DEBIT AMOUNT CREDIT AMOUNT 10/22/01 SHT ACCT FEE 09/21-102001 1,825.19 TOTAL $2,384.48 MISCELLANEOUS TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT JOURNAL MARK TO MARKET 99,999.00 WARK TO MARKET 9/530. YOWMARKET ] 10/15/01 JOURNAL MARK TO MARKET SHORT POS 3,349.00 {0/22/07 JOUANAT MARK TO MARKET SHORT POS 17,930.00 sereeneaeneenae TOTAL $-124,808.00 $124,808.00 o27 10/27/01;09:11 001 vso2 EFTA00197482

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 8 of6 Your messages ie We are pleased to announce that we have moved our world headquarters, previously located at 245 Park Avenue, to: 383 Madison Avenue New York, New York 10179 While our telephone numbers and e-mail addresses remain the same, some fax numbers have changed, Please check with your Account Executive. (stor ****** End of Statement*™***** ( 027 10/27101,09:11 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD September 29, 2001 THROUGH October 26,2001 accor nuvecr TAXPAYER NUMBER On File LAST STATEMENT September 28, 2001 vso2 EFTA00197483

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New Yi New York 10167 BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE wow.bearstearns.com What's In This Statement Hacalbassdaclsllsalil Financial SUMMA wisn — 3 HERITAGE INTERESTS Your Portfolio Holdings . 4 she nae TRUST CO TIEE . . 7-30-91 . Transaction Detail 5 rand ones ATTN JEANIE BRENNAN und Activity aay : 6100 RED HOOK QUARTER STE B-3 Your Messages sssssssssssesaees 6 ST THOMAS VI 00802 Your Portfolio at a Glance Market Value of Your Portfolio MONEY MARKET FUND BALANCE 4,243,946 $3,834,850 : $-1.299,850 sary coun nes ee a aS NET EQUITY LAST STATEMENT 8,133,222 CHANGE SINCE LAST STATEMENT -245,233 There are no "Stop Loss” orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; of write to Clam Services at Bear, Steams Securities Corp., One Metrolech Center North, Brooklyn, N.Y. 11201-3859, || Current market value $238] Last statements market value [[) Short market value ‘This summary is for informational purposes only. It Is not intended as a tax document, CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD September 1, 2001 September 28, 2001 accout nuvecr TAXPAYER NUMBER On File THROUGH LAST STATEMENT August 31,2001 ‘This statemem should be retained for your records. See reverse side for important information. o27 09/2901 ;10:55 001 vsao EFTA00197484

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2 of? STATEMENT BACKER IS PRINTED ON THIS PAGE 09/2901 ;10:55 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS EFTA00197485

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 a 3 of? Cash Flow Analysis Income Summary THIS PERIOD THIS PERIOD YEAR TO DATE OpeningBalance $1,370,713.06 Dividends 16,436.92 159,200.14 “ Credit Balance Int. 365.66 27,816.26 Money Fund 16,436.92 e000 eenecencecsscesececceses s sucsuseessccnseasscenees oe yeeeeneeneeess 7 Dividends/Interest 3,329.56 Cte ensntreneseesstnenenrensen eee cress BLO OO Amount Cr ited $19,766.48 Money Fund -16,436.92 Portfolio Composition Amount Debited $-16,436.92 SHORT LONG Net Cash Activity Cash/Cash Equivalent 5,617,989 Equities 1,078,000 3,348,000 section, such transfers, as well as details for all other transactions tis period, appear in Transaction Detail Cash Balance Summary OPENING CLOSING Cash 44,041.74 44,407.40 Margin 55,172.30 356,634.30 Short 1,271,499.02 973,000.92 Net Cash Balance $1,370,713.06 $1,374,042.62 027 09/2901 ;10:55 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD September 1, 2001 THROUGH September 28, 2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT August 31,2001 Your Portfolio Allocation - Equities 34% — Short Equities 10% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, vsao EFTA00197486

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 BEAR STEARNS 47 Your Portfolio Holdings CASH & CASH EQUIVALENTS ESTIMATED (QURRENT DESCRIPTION SYMBOU'CUSIP QUANTITY PRICE VALUE ANNUAL INCOME YELD (%) CASH BALANCE DREYFUS CASH MANAGEMENT-CL A bICCcX 4,243,946.30 1.0000 4,243,946 157,026 3.7000 INSTITUTIONAL SHARES TOTAL CASH & CASH EQUIVALENTS $5,617,989 $157,026 EQUITIES Equities & Options ACCT MARKET ESTIMATED CURRENT DESCRIPTION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YELD [%} PNC FINANCIAL SVCSGROUP INC PNC CASH 10,000 57.2500 572,500 19,200 3.3537 PNC FINANCIAL SVCSGAOUP INC PNC SHAT -10,000 57.2500 -572,500 -19,200 3.3537 TYCO INTERNATIONAL LTD TYC CASH 61,000 45.5000 2,775,500 3,050 0.1099 CALL TYCO INTL OCT 055* TYCJ55 CASH -500 0.1000 -5,000 EXP 10/20/2001 Total Equities& Options $2,270,000 $2,500 TOTAL EQUITIES $2,270,000 $2,500 YOUR TOTAL ESTIMATED ANNUAL INCOME $159,526 YOUR PRICED PORTFOLIOHOLDINGS $7,887,988 02? 09/28/01;10:55 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO September 1, 2001 September 28, 2001 accout nuvecr TAXPAYER NUMBER On File August 31,2001 THROUGH LAST STATEMENT vsao EFTA00197487

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Con Bear, Stearns & Co. Inc. One Mebane ‘Center ‘eae 245 Park Avenue Brocklyn, New York 11201-3859 STEARN S — i 10167 5 of? HERITAGE INTERESTS STATEMENT PERIOD September 1, 2001 THROUGH September 28,2001 accout nuvecr TAXPAYER NUMBER On File Transaction Detail MONEY FUND ACTIVITY LAST STATEMENT August 31, 2001 DATE MOVDAY TRANSACTION DESCAIFTION SYMBOUOUSIF QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 09/01/01 OPENINGBALANCE 4,227 ,509.38 SUS MONTHLY DIVIDEND REINVEST DREYFUS CASH MANAGEMENT-CL® BiceK "16.436.92° 16,436.92 INSTITUTIONAL SHARE: 09/28/01 CLOSINGBALANCE 4,243.946.30 TOTAL $-16,436.92 $16,436.92 INTEREST DATE DESCRIPTION SYMBOLCUSIP QUANTITY RATE [%} DEBIT AMOUNT CAEDIT AMOUNT 09/21/01 INTEREST ONCREDIT BALANCE 0.5000 3.42 AT 0 1/2% 09/19 THRU 09/19 ENCE BBO rere eeereenrenceennenenreeennernsors AT 1 1/2% 09/20 THRU 09/20 INTEREST ON CREDIT BALANCE AT 2 1/2% 09/17 THRU 09/18 .0000 317.75 2,963.90 $3,329.56 027 09/2901;10:55 001 vsao EFTA00197488

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BEAR STEARNS 6 of? OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 Transaction Detail (continued) MISCELLANEOUS DATE MOVDAY TRANSACTION DESCRIFTION 09/04/01 JOURNAL MARK TO MARKET DEBIT AMOUNT CREDIT AMOUNT 34,149.00 09/10/01 JOURNAL MARK TO MARKET SHORT POS ARR N HARB TO MARKER” 123,770.00 15437200 SER UR RCS aac a ga TOTAL $-322,920.00 $322,920.00 Your messages | This statement is provided to explain Bear, Steams & Co, Inc,'s (‘BSC*) payment for order flow practices, BSC routes a majority of orders for customer securities transactions to the primary market for such securities, Orders may also be routed to other market service vendors that assure executions pursuant to complex mathematical formulas at better than the national best bid or best offer (NBBO). BSC receives no cash payment or other consideration for such order routing other than favorable executions or executions of limit orders at no additional charge. i Beginning October 31, 2001, you may request the identity of the venue to which any of your orders were routed for execution {if the order was within the six months prior to the request or July 2, 2001, whichever is a later date). whether the order was directed by you to that venue, and the time of the executions, if any, that resulted from such orders, 027 09/2901 ;10:55 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD September 1, 2001 THROUGH September 28, 2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT August 31,2001 vsao EFTA00197489

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS _—€€ 10167 Tor ie Bear, Stearns Securities Corp, Net Capital and Net Capital Requirements: At May 25, 2001 and July 27, 2001, the Company's net capital of $2,7 billion and $2.7 billion was approximately 8.9% and 9.2% of aggregate debit items and exceeded the minimum regulatory net capital requirement of $605.5 million and $585,5 million by $2,1 billion and $2,1 billion, all respectively, A complete copy of the Bear, Stearns Securities Corp, Statement of Financial Condition is available on the web site wwow.bearstearns.com_, Alternatively, to request a free printed copy please call -toll free 1-866-299-9331 **e*** End of Statement™***** CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD September 1, 2001 THROUGH September 28,2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT August 31,2001 | Securities and other assets in your account are the firm's collateral for any margin loan made to you, If the securities and other assets in your account decline in value, so does the value of the collateral supporting your loan, and, as a result, the firm can take action, such as issue a margin call and/or sell securities or other assets in any of your accounts held with the member, in order to maintain the required equity in the account, It is important that you fully understand the risks involved in trading securities on margin, These risks include the following: You can lose more funds than you deposited in the margin account, The firm can force the sale of securities or other assets in your account(s), The firm can sell your securities or other assets without contacting you. You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call, The firm can increase it's "house" maintenance requirements at any time and is not required to provide you advance written notice, You are not entitled to an extension of time on a margin call, 027 (09/29/01;10:55 001 vsao EFTA00197490

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE What’s In This Statement www.bearstearns.com Financial Summary , ' Your Portfolio Holdings . . Transaction Detail ......ssesssesereeseeerees Fund Activity. sscsssssrssssrssecssnesesnsvaceseesens ans w Your Portfolio at a Glance 2,535,000 1,370,713 4,227,509 TOTAL VALUE OF SECURITIES THIS PERIOD NET CREDIT BALANCE MONEY MARKET FUND BALANCE NET EQUITY THIS PERIOD $8,133,222 NET EQUITY LAST STATEMENT 19,522,442 CHANGE SINCE LAST STATEMENT -11,389,220 There are no “Stop Loss’ orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; of write to Clam Services at Bear, Steams Securities Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-3869. HERITAGE INTERESTS FINANCIAL TRUST CO TTEE OTD 7-30-91 . ATTN JEANIE BRENNAN 6100 RED HOOK QUARTER STE B-3 ST THOMAS VI 00802 Market Value of Your Portfolio cash £91 — 35,598, 222 $10,004,169 Equities $3,834,850 - $-1.299,850 $10,898,553 = $-1,380,280 || Current market value ERB] Last statements market value ([) Short market value This summary i for informational purposes only. It Is mot intended as a tax document CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD July 28, 2001 August 31,2001 accout nuvecr TAXPAYER NUMBER On File July 27, 2001 THROUGH LAST STATEMENT ‘This statemem should be retained for your records. See reverse side for important information. 027 09101/01;10:37 001 v496 EFTA00197491

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2 of8 STATEMENT BACKER IS PRINTED ON THIS PAGE 09901/01;10:37 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS v496 EFTA00197492

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR STEARNS 3 of8 245 Park Avenue Cash Flow Analysis THIS PERIOD OpeningBalance $1,399,797.60 Securities Sold 6,715,839.56 Money Fund 11,223,138.34 Dividends/Interest 7,138.80 Amount Credited $17,946.116.70 Money Fund -6,823,138.34 Funds Withdrawn -11,151,925.40 Dividends/Interest Charged -137.50 Amount Debited nesssssennennennernennss eee ee Net Cash Activity Same day tansfers of cash between account types are mot included in this section; auch transfers, as well as details for all other transactions this period, appear in Transaction Detel. New York, New York 10167 Cash Balance Summary OPENING CLOSING Cash 76,465.02 44,041.74 Margin 104,018.30 55,172.30 Short 1,219,314.28 1,271,499.02 Net Cash Balance $1,399.797.60 $1,370,713.06 Income Summary THS PERIOD YEAR TO DATE Dividends 23,902.44 142,763.22 Credit Balance Int. 2,898.46 27,450.60 Total . $26,800.90 $1 70,21 3.82 Portfolio Composition SHORT LONG Cash/Cash Equivalent 5,598,222 Equities 1,299,850 3,834,850 027 09901/01;10:37 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO July 28, 2001 THROUGH August 31,2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT duly 27, 2001 Your Portfolio Allocation Equities 35% Cash & Equivalent Hee 53% i Short Equities 12% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, v496 EFTA00197493

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 BEAR STEARNS 4 of8 Your Portfolio Holdings CASH & CASH EQUIVALENTS ESTIMATED (QURRENT DESCRIPTION SYMBOU'CUSIP QUANTITY PRICE VALUE ANNUAL INCOME YELD (%) CASH BALANCE DREYFUS CASH MANAGEMENT-CL A bICCcX 4,227,509.38 1.0000 4,227,509 164,873 3.9000 INSTITUTIONAL SHARES TOTAL CASH & CASH EQUIVALENTS $5,598,222 $164,873 EQUITIES Equities & Options ACCT MARKET ESTIMATED CURRENT DESCRIPTION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YELD [%} PNC FINANCIAL SVCSGROUP INC PNC CASH 10,000 66.5900 665,900 19,200 2.8833 PNC FINANCIAL SVCSGAOUP INC PNC SHAT -10,000 66.5900 -665,900 -19,200 2.8833 TYCO INTERNATIONAL LTD TY CASH 61,000 51.9500 3,168,950 3,050 0.0962 CALL TYCO INTL OCT 055* TYCJ55 CASH -500 1.2500 -62,500 EXP 10/20/2001 Total Equities& Options $2,535,000 $2,500 TOTAL EQUITIES $2,535,000 $2,500 YOUR TOTAL ESTIMATED ANNUAL INCOME $167,373 YOUR PRICED PORTFOLIOHOLDINGS $8,133,222 027 0901/01;10:37 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO July 26, 2001 August 31,2001 accout nuvecr TAXPAYER NUMBER On File THROUGH LAST STATEMENT duly 27, 2001 v496 EFTA00197494

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 5 of6 Transaction Detail INVESTMENT ACTIVITY SETTLEMENT TRADE DATE OATE TRANSACTION DESCRIPTION 08/07/01 08/02/01 SOLD MEDTRONIC INC WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE BRIGPGTSSOSIOT SOBRE RTT SUS IE Base CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 HERITAGE INTERESTS STATEMENT PERIOD July 28, 2001 THROUGH August 31,2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT duly 27, 2001 QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT -33,961 46.38850 1,573,307.17 gigs nemo extnnnnenennensscannnnnnennnnnses omega UNSOLICITED 08/08/01 08/03/01 SOLD MEDTRONIC INC -80,000 45.53390 3,637,788.07 WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED TOTAL $6,715,839.56 DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRETION CREDIT AMOUNT 08/03/01 FND WIRED 08/30/01 FND WIRED WIRED TO TOTAL MONEY FUND ACTIVITY DATE MOvDAY TRANSACTION DESCAIPTION 07/28/01 OPENINGBALANCE $-11,151,925.40 QUANTITY PRICE CEBIT AMOUNT CAEDIT AMOUNT 8,604,371.04 027 0901/01;10:37 001 v496 EFTA00197495

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 BEAR STEARNS 6 of8 Transaction Detail (continued) MONEY FUND ACTIVITY (continued) OATE MODAY 08/01/01 TRANSACTION DIVIDEND DESCAIPTION REG XEUS CASE. MABAGEMENT-CL A MONTHLY DIVIDEND "RENNES" BREE AS MANNE : DIVIDEND REINVESTED ‘BREVFUS'C NAGENENT: INSTITUTIONAL SHARES ooo osiosioT™ BOUGHT” Rae YFUS CASE, MANAGENENT: KR "BREVFUS CASH MANAGEMENT-CL A INSTITUTIONAL’ SHARES ‘BOUGHT I a "BAEYPUS CASH NANAGEMIENT.CE A" INSTITUTIONAL SHARES (i D CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO July 26, 2001 August 31,2001 accout nuvecr TAXPAYER NUMBER On File THROUGH LAST STATEMENT duly 27, 2001 SYMBOUCUSIP DICCK QUANTITY PRICE OEBIT AMOUNT CREDIT AMOUNT 23,138.34 3373834 33,138 34 3:000:000'00"" 716000" 3000-000 °°" T0003 '850;50000" rT 08/31/01 CLOSINGBALANCE 4,227,509.38 TOTAL DIVIDENDS DATE DESCRIPTION 08/01/01 SYMBOUCUSIP TYCO INTERNATIONAL LTD Ty $-6,823,138.34 $11,223,138.34 QUANTITY 61,128 AATE ($) 0.0125 CEBIT AMOUNT CAEDIT AMOUNT 764.10 027 0901/01;10:37 001 v496 EFTA00197496

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Con Bear, Stearns & Co. Inc. One Mebane ‘Center ‘eae 245 Park Avenue Brocklyn, New York 11201-3859 STEARN S — i 10167 7 of6 STATEMENT PERIOD THROUGH Transaction Detail (continued) DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (8) DEBIT AMOUNT CREDIT AMOUNT 08/01/01 TYCO INTERNATIONAL LTD Tyc 137.50 DIV CHG 11000 SHS SHORT REC 07/02/01 PAY 08/01/01 TOTAL $-137.50 $764.10 INTEREST DATE DESCRIPTION SYMBOLCUSIP QUANTITY RATE (Se DEBIT AMOUNT CREDIT AMOUNT 08/21/01 INTEREST ONCREDIT BALANCE 3.2500 2,898.46 AT 3 1/4% 07/21 THRU 08/20 SHT ACCT FEE 07/21-082001 3,476.24 $6,374.70 TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT JOURNAL MARK TO MARKET 15,965.00 even agnnyernnnnnenses cena anna epee genennnnnnennenssanenenenenenansit a eT EE ose oT SOUANAL MARK TO MARKET SHORT POS 08/20/01 JOURNAL MARK TO MARKET 11,509.00 Osis0i0T IOUANAT MARK TO MARKET SHORT POS 11/509:60"" AN) ‘OWMARKET 027 0901/01;10:37 001 ACCOUNT NUMBER TAXPAYER NUMBER DIVIDENDS (continued) LAST STATEMENT v496 HERITAGE INTERESTS July 28, 2001 August 31,2001 On File July 27, 2001 EFTA00197497

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 BEAR STEARNS 8 of6 Transaction Detail (continued) MISCELLANEOUS (continued) OATE MOIDAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 08/27/01 JOURNAL MARK TO MARKET SHORT POS 12,762.00 TOTAL $-71,864.00 $71,864.00 /—™, [stop] _=**+** Endof Statement™***** \ / 027 0901/01;10:37 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 HERITAGE INTERESTS STATEMENT PERIOD July 28, 2001 THROUGH August 31,2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT duly 27, 2001 v496 EFTA00197498

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 Pe ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE wew.bearstearns.com What’s In This Statement Financial Summary , ' Your Portfolio Holdings . . Transaction Detail ......sssssseserssseeesees Fund Activity .,ssesssssserssnesessctenssvecaceseensaes our WwW Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD 9,518,273 Cash & Equivalent CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steans Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD June 30,2001 THROUGH July 27, 2001 accout nuecr || PP | ery eed eee TAXPAYER NUMBER On File HERITAGE INTERESTS LAST STATEMENT June 29, 2001 FINANCIAL TRUST CO TTEE OTD 7-30-91 . ATTN JEANIE BRENNAN 6100 RED HOOK QUARTER STE B-3 ST THOMAS Vi 00802 Market Value of Your Portfolio $10,004,169 133,463 MONEY MARKET FUND BALANCE 8,604,371 $12,684,855 : $-1.477,400 NET EQUITY THIS PERIOD $19,522,442 NET EQUITY LAST STATEMENT 19,140,918 CHANGE SINCE LAST STATEMENT 381,524 There are no “Stop Loss’ orders or other pending buy or sell open orders on file for your account. Ploase mport any difference or noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clan Services at Bear, Steams Securitios Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-9869. | | Current market value ERB] Last statements market value [Short market value This summary is for informational purposes only. It Is mot intended as a tax document This statement should be retained for your records. See reverse side for important information 027 07/2801 ;10:18 001 vaa2 EFTA00197499

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2 of? STATEMENT BACKER IS PRINTED ON THIS PAGE 07/2801;10:18 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS EFTA00197500

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR STEARNS 3 of? 245 Park Avenue Cash Flow Analysis THIS PERIOD OpeningBalance $1,333,463 05 Securities Sold 1,935,648.29 Money Fund 4,371.04 Funds Deposited 2,872,727.64 Dividends/Interest 40,913.62 Amount Cr ited Funds Withdrawn -210,898.00 Dividends/Interest Charged -4,800.00 Miscellaneous -2,567,257.00 Amount Debited Net Cash Activity Same day Yansters cf cash betwoon account types are not inckuded in this section; such transfers, as well as details for all other transactions tis period, appear in Transaction Detail, New York, New York 10167 Cash Balance Summary OPENING Cash 8,765.37 Margin 56,397.30 Short 1,268,300.38 Net Cash Balance $1,333,463.05 Income Summary THS PERIOD Dividends 40.910.36 Credit Balance Int. 939.40 Total . $41,849.76 Portfolio Composition ‘SHORT Cash/Cash Equivalent Equities 1,380,280 CLOSING 76,465.02 104,018.30 1,219,314.28 $1,399,797.60 YEAR TO DATE 118,860.78 24,552.14 $143,412.92 LONG 10,004,169 10,898,553 027 07/2801;10:18 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD June 30,2001 July 27, 2001 accout nuvecr TAXPAYER NUMBER On File THROUGH LAST STATEMENT June 29, 2001 Your Portfolio Allocation Cash & Equivalent . 45% Equities 49% Short Equities— 6% Unehaded portions denote debt balance andior short market values. The alocation percentage is derived from the absohte market value of your portloio, v4a2 EFTA00197501

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 a 47 Your Portfolio Holdings CASH & CASH EQUIVALENTS ESTIMATED DESCRIPTION SYMBOLCUSIP QUANTITY PRICE ANNUAL INCOME CASH BALANCE DREYFUS CASH MANAGEMENT-CL A DICCX 8,604,371.04 1.0000 8,604,371 352,779 INSTITUTIONAL SHARES TOTAL CASH & CASH EQUIVALENTS $10,004,169 $352,779 EQUITIES Equities & Options accT MARKET ESTIMATED CURRENT DESCRIPTION SYMBOUCUSIP TRE QUANTITY PRE VALUE ANNUAL INCOME YELD (%} MEDTRONIC INC MoT CASH 113,961 48.5500 5,532,807 26,211 0.4737 PNC FINANCIAL SVCS GROUP INC PNC CASH 32,472 64.5900 2,097,366 62,346 2.9726 PNC FINANCIAL SVCS GROUP INC PNC SHRT -10,000 64.5900 -645,900 19.200 2.9726 CALL TYCO INTL OCT O55**** TYCJ55 CASH -500 2.9000 -145,000 EXP 10/20/2001 Total Equities& Options $9,518,273 $71,857 TOTAL EQUITIES $9,518,273 $71,857 YOUR TOTAL ESTIMATED ANNUAL INCOME $424,636 YOUR PRICED PORTFOLIOHOLDINGS $19,522,441 02? 07/28/01;10:18 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD June 30,2001 THROUGH ACCOUNT NUMBER July 27, 2001 TAXPAYER NUMBER On File LAST STATEMENT v4a2 June 29, 2001 EFTA00197502

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Steams Securities Corp. Bear, Stearns & Co. Inc. One Metrotech Center North 245 Park Avenue Brocklyn, New York 11201-3859 STEARNS —— 10167 5 of? HERITAGE INTERESTS STATEMENT PERIOD June 30, 2001 THROUGH July 27, 2001 accout nuvecr TAXPAYER NUMBER On File INVESTMENT ACTIVITY LAST STATEMENT —_ June 29, 2001 Transaction Detail SETTLEMENT TRADE DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 07/13/01 JOURNAL PNC FINANCIAL SVCS GROUP INC PNC 9,405 JOURNAL FROM TYPE 2TO 1 “BNC FINANCIAL SVCSGAOUF INC JOURNAL FROM TYPE 2 TO 1 BNC FINANCIAL SVCS GROUP INC PNC "730,000 64:36610 UNSOLICITED SOLD TYCO INTERNATIONAL LTD TYC -128 51.44440 6,532.16 UNSOLICITED TOTAL $1,935,648.29 OFTSIG4 “T1929 776 13 DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRPTION DEBIT AMOUNT CREDIT AMOUNT 07/02/01 FND WIRED WIRED TO 174,484.00 FD#06328 $ COMING FROM REPO 36,414.00 TOTAL $-210,898.00 $2,872,727.64 027 07/28001;10:18 001 vaa2 EFTA00197503

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BEAR OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue STEARN S — i 10167 6 of? Transaction Detail (continued) MONEY FUND ACTIVITY DATE MOVDAY TRANSACTION DESCAIFTION 06/30/01 OPENINGBALANCE CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD June 30,2001 THROUGH July 27, 2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT June 29, 2001 DEBIT AMOUNT CAEDIT AMOUNT SUS MONTHLY DIVIDEND 67/02/07 REINVEST DREYFUS CASH MANAGEMENT: cla INSTITUTIONAL SHARE INSTITUTIONAL SHARES Bu’ FD 4371.04 07/27/01 CLOSINGBALANCE TOTAL DIVIDENDS DATE DESCRIPTION SYMBOUCUSIP 07/16/01 = PNC FINANCIAL SVCS GROUP INC PNC DIV CHG 10000 SHS SHORT 29,986.56 07/2801;10:18 001 $-2,004,371.04 $4,371.04 CAEDIT AMOUNT $36,539.32 v4a2 EFTA00197504

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Steams Securities Cor Bear, Stearns & Co. Inc. One Mebane ‘Center Non 245 Park Avenue Brocklyn, New York 11201-3859 STEARN S — i 10167 7 ot? HERITAGE INTERESTS STATEMENT PERIOD June 30,2001 THROUGH Transaction Detail (continued) ACCOUNT NUMBER July 27, 2001 TAXPAYER NUMBER On File INTEREST LAST STATEMENT DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE [sb DEBIT AMOUNT CREDIT AMOUNT 07/23/01 INTEREST ONCREDIT BALANCE 3.5000 32.60 AT 3 1/2% 06/21 THRU 06/26 AT 3 1/4% 06/27 THRU 07/20 O7/23101 SHTACCT FEE O6/21-07 2001 3434.90 TOTAL $4,374.30 oresioT MISCELLANEOUS DATE MOIDAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 07/02/01 JOURNAL TO 047-30185 2,567,257.00 PER LOA evn aang rnnnnnnnses cement eptnnenenenessannnnnnn is senenennnnnennns is snnnnenennnnness ot 07/09/01 JOURNAL MARK TO MARKET SHORT POS 28,300.00 JOURNAL HARK TO MARKET 15,050.00 TOTAL $-2,628,136.00 $60. (stor ****** End of Statement*™***** / 027 07/28/01;10:18 001 v4a2 June 29, 2001 EFTA00197505

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS _——€ 10167 ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE wew.bearstearns.com What’s In This Statement CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO May 26,2001 THROUGH June 29, 2001 accout nuvecr | PP | ery end eee TAXPAYER NUMBER On File HERITAGE INTERESTS LAST STATEMENT May 25, 2001 Financial Summary , 3 Your Portfolio Holdings . 1 4 she nae TRUST CO TTEE . , 7-30-91 . T tion Detail .eeeeeeeeneeine 5 fant heen er 5 ATTN JEANIE BRENNAN 0 yw ' 6100 RED HOOK QUARTER STE B-3 Your Meesages 6 ST THOMAS VI 00802 Your Portfolio at a Glance Market Value of Your Portfolio Important Message $7,933,463 Please note: You may find TOTAL VALUE OF SECURITIES THIS PERIOD = 11,207,455 Cash & Equivalent | SE ue more than one statement in this envelope. Beginning NET CREDIT BALANCE 1,333,463 $12,684,855 : $-1,477,400 __ this month, all statements MONEY MARKET FUND BALANCE 6,600,000 $12,632,296 : $-1,640,750 with the same Ackress and NET EQUITY THIS PERIOD $19,140,918 NET EQUITY LAST STATEMENT 12,321,002 CHANGE SINCE LAST STATEMENT 6,819,916 There are no “Stop Loss” orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securities Comp., One Metrolech Center North, Brooklyn, N.Y. 11201-3859. Social Security number / | | Current market value Sater eo belag ta led in . umber are bei i $288] Last statements market value ‘one envelope. For further [1] Short market value Getails, please contact your account executive. ‘This summary 5 for informational purposes only. It Is not intended as a tax document, ‘This statemem should be retained for your records. See reverse side for important information. 027 06/3001-23:28 001 vaa EFTA00197506

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2 of 6 STATEMENT BACKER IS PRINTED ON THIS PAGE 06/3001-23:28 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS EFTA00197507

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR STEARNS 3 of 6 245 Park Avenue Cash Flow Analysis THIS PERIOD Balance Openi: Funds Deposited Dividends/Interest Amount Cr ited Money Fund Amount Debited Net Cash Activity 4,006.84 Same day transfers of cash between account types are not included in this section, such transfers, as well as details for all other transactions tis period, appear in Transaction Detail Cash Balance Summary OPENING CLOSING Cash 8,704.67 8,765.37 Margin 10,669.30 56,397.30 Short 1,310,082.24 1,268,300.38 Net Cash Balance $1,329,456.21 $1,333.463.05 New York, New York 10167 Income Summary THiS PERIOD YEAR TO DATE Dividends 0.00 77,950.42 Credit Balance Int. 60.70 23,612.74 Total Portfolio Composition SHORT LONG Cash/Cash Equivalent 7,933,463 Equities 1,477,400 12,684,855 Total $1,477,400 820,818,318 027 06/3001 ;23:28 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD May 26, 2001 THROUGH June 29, 2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT May 25, 2001 Your Portfolio Allocation Cash & Equivalent. 36% Equities 58% Short Equities. 6% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, yaar EFTA00197508

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 a 4 of6 Your Portfolio Holdings CASH & CASH EQUIVALENTS ESTIMATED DESCRIPTION SYMBOLCUSP QUANTITY PRKE ANNUAL INCOME CASH BALANCE DREYFUS CASH MANAGEMENT-CL A DICCX 6,600,000 1.0000 6,600,000 303,600 INSTITUTIONAL SHARES TOTAL CASH & CASH EQUIVALENTS $7,933,463 $303,600 EQUITIES Equities & Options accT MARKET ESTIMATED CURRENT DESCRIPTION SYMBOUCUSIP TRE QUANTITY PRE VALUE ANNUAL INCOME YELD (%} MEDTRONIC INC MoT CASH 113,961 46.0100 5,243,346 26,211 0.4999 PNC FINANCIAL SVCS GROUP INC PNC CASH 53,067 65.7900 3.491.278 101,889 2.9184 PNC FINANCIAL SVCS GROUP INC PNC MRGN 9,405 65.7900 618.755 2.9184 CALL TYCO INTL OCT 055* TYCJSS CASH -500 4.4000 -220,000 EXP 10/20/2001 Total Equities& Options $11,207,455 $129,464 TOTAL EQUITIES $11,207,455 $129,464 YOUR TOTAL ESTIMATED ANNUAL INCOME $433,064 YOUR PRICED PORTFOLIOHOLDINGS $19,140,918 027 06/3001 ;23:28 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD May 26, 2001 THROUGH June 29, 2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT May 25, 2001 vat EFTA00197509

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BEAR STEARNS 5 of6 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 Transaction Detail DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRETION DEBIT AMOUNT CREDIT AMOUNT 06/25/01 FUNDS REC ENDS WIRED TO CITIBANK FROM 6,600,000.00 TOTAL $6,600,000.00 MONEY FUND ACTIVITY DATE MOvDAY TRANSACTION DESCAIPTION SYMBOUCUSIP QUANTITY PRICE 05/26/01 OPENINGBALANCE 0.00 INSTITUTIONAL SHARES BU’ FD 06/29/01 CLOSINGBALANCE 6,600,000 TOTAL INTEREST DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (4) CEBIT AMOUNT 06/21/01 INTEREST ONCREDIT BALANCE 3.5000 AT 3 05/21 THRU 06/20 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 HERITAGE INTERESTS STATEMENT PERIOD May 26,2001 THROUGH June 29, 2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT May 25, 2001 CEBIT AMOUNT CAEDIT AMOUNT 6/600606.66 $-6,600,000.00 CAEDIT AMOUNT 60.70 TOTAL $4,006.84 027 06/3001 -23:28 001 v4at EFTA00197510

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 a 6 of6 Transaction Detail (continued) MISCELLANEOUS DATE MOVDAY TRANSACTION DESCRIFTION DEBIT AMOUNT CREDIT AMOUNT 05/29/01 JOURNAL MARK TO MARKET 5,667.00 06/04/01 JOURNAL MARK TO MARKET SHORT POS 5,850.00 SAR Ye oes JOCANAT BAAR TO MARKER 25,680-00 BETRST SURI RARER ARREST BOR eens eens amen 06/25/01 JOURNAL MARK TO MARKET SHORT POS 13,916.00 TOTAL $-68,762.00 $68,762.00 Your messages wT Confirmation: Unless we hear from you to the contrary, It is our understanding that any free credit balances in your account are being maintained to facilitate your intention to invest such amounts through us, STOP ****** End of Statement****** 027 06/3001 ;23:28 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD May 26, 2001 THROUGH ACCOUNT NUMBER June 29, 2001 TAXPAYER NUMBER On File LAST STATEMENT vat May 25, 2001 EFTA00197511

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New Yi New York 10167 BEAR STEARNS ACCOUNT EXECUTIVE ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE — www.bearstearns.com What's In This Statement Financial Summary ,. . 3 Your Portfolio Holdings . . 4 Transaction Detail .....ssssseseeeneres 5 Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD 10,991,546 — Cash & Equivalent NET CREDIT BALANCE 1,329,456 NET EQUITY THIS PERIOD $12,321,002 NET EQUITY LAST STATEMENT 12,764,050 CHANGE SINCE LAST STATEMENT ~443,048 There are no "Stop Loss’ orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securities Corp., One Metrolech Center North, Brooklyn, N.Y. 11201-3859, CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD April 28,2001 May 25,2001 On File April 27,2001 THROUGH ACCOUNT NUMBER TAXPAYER NUMBER HERITAGE INTERESTS FINANCIAL TRUST CO TTEE OTD 7-30-91 . ATTN JEANIE BRENNAN 6100 RED HOOK QUARTER STE B-3 ST THOMAS VI 00802 LAST STATEMENT Market Value of Your Portfolio $1,329,456 $1,823,296 Important Message In an effort to deliver statements to you more efficiently, Bear Stearns has enhanced the distribution of statements to household accounts. Beginning in June, all statements with the same Address and Social Security number / Taxpayer identification number will be mailed in a single envelope. For further details, please contact your account executive. $12,632,296 : $-1.640,750 $12,464,024 -: $-1,523.270 || Current market value G8] Last statements market value [[] Short market value This summary is for informational purposes only. It ks not intended as a tax document ‘This statemem should be retained for your records. See reverse side for important information. 027 08/26/01;10:08 001 va7e EFTA00197512

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2 of 6 STATEMENT BACKER IS PRINTED ON THIS PAGE 08/26/01 ;10:08 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS va7e8 EFTA00197513

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 a 3 of6 Cash Flow Analysis Income Summary THIS PERIOD THiS PERIOD YEAR TO DATE Balance Dividends 764.10 77,950.42 Credit Balance Int. 1,403.48 23,552.04 Dividends/Interest eas eesececcecsecezececceses s sncenseensccnseasseenses: eeesenneecses 7 ssveeeanensenss sueessuseeenaessssausenuesnneeennensnnsssssoueennenen ese Total $2,167.58 $101,502.46 Amount Credited $6,160.47 Funds Withdrawn -500,000.00 Amount Debited . _..§-500,000.00 Portfolio Composition Net Cash Activity -493,839.53 SHORT LONG Cash/Cash Equivalent 1,329,456 Equities 1,640,750 12,632,296 Same day Fureters of cash bebvsen acount types ave not inchuded In this ee annnens aneee section, such transfers, as well as details for all offer transactions tis period, appear in Traraaction Detal Total asesssesessssenterereenste Sued iL easeee Lao Cash Balance Summary OPENING CLOSING Cash 6,537.09 8,704.67 Margin 563,648.30 10,669.30 Short 1,253,110.35 1,310,082.24 Net Cash Balance $1,823,295.74 $1,329.456.21 027 08/26/01 ;10:08 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO April 28,2001 THROUGH May 25, 2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT April 27,2001 Your Portfolio Allocation Cash & Equivalent—, 8% Short Equities 10% Equities 82% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, va7e8 EFTA00197514

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 a 4 of6 Your Portfolio Holdings CASH & CASH EQUIVALENTS WAARKET ESTIMATED DESCRIPTION SYMBOLICUSP: QUANTITY PRICE VALUE ANNUAL INCOME CASH BALANCE 1.329.456 TOTAL CASH & CASH EQUIVALENTS $1,329,456 EQUITIES Equities & Options ACCT MARKET ESTIMATED CURRENT DESCRIETION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YELD (%) MEDTRONIC INC MoT CASH 113,961 42.5000 4,843,343 22,792 0.4706 PNC FINANCIAL SVCSGAOUP INC PNG CASH 53,067 69.1500 3,669,583 101.889 PNC FINANCIAL SVCSGROUP INC PNC MRGN 9,405 69.1500 650,356 18,058 PNC FINANCIAL SVCSGAOUP INC PNC SHAT -10,000 69.1500 -691,500 -19,200 TYCO INTERNATIONAL LTD TY CASH 61,128 56.7500 3,469,014 3,056 0.0881 CALL TYCO INTL OCT 055* TYCJ55 CASH -500 6.5000 -325,000 EXP 10/20/2001 Total Equities& Options $10,991,546 $126,045 TOTAL EQUITIES $10,991,546 $126,045 YOUR TOTAL ESTIMATED ANNUAL INCOME $126,045 YOUR PRICED PORTFOLIOHOLDINGS $12,321,002 o27 06/26/01;10:08 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO April 26,2001 THROUGH ACCOUNT NUMBER May 25, 2001 TAXPAYER NUMBER On File LAST STATEMENT va7e April 27,2001 EFTA00197515

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Steams Securities Corp. Bear, Stearns & Co. Inc. One Metratech Center North 245 Park Avenue Brocklyn, New York 11201-3859 STEARNS New York, New York 10167 HERITAGE INTERESTS 5 of6 STATEMENT PERIOD April 28,2001 THROUGH May 25, 2001 Transaction Detail accout wumcce | TAXPAYER NUMBER On File INVESTMENT ACTIVITY LAST STATEMENT — April 27, 2001 SETTLEMENT TRADE DATE DATE TRANSACTION OESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT GREDIT AMOUNT 05104701 JOURNAL PNC FINANCIAL SVCSGAOUP INC PNC 9,405 JOURNAL FROM TYPE 1 TO 2 osi04/01 JOURNAL "BNC FINANCIAL SVCS GROUP INC "PNG ™ 9,405 ™ . - JOURNAL FROM TYPE 1 TO 2 TOTAL DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRETION DEBIT AMOUNT CREDIT AMOUNT 05102101 END WIRED WIRED TO 500,000.00 TOTAL $-500,000.00 DIVIDENDS DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE ($) CERT AMOUNT CAEDIT AMOUNT 05102/01 TYCO INTERNATIONAL LTD TYC 61,128 0.0125 764.10 REC 04/02/01 PAY 05/02/01 TOTAL $764.10 027 06/26/01;10:08 001 va7e EFTA00197516

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 BEAR STEARNS 6 of6 Transaction Detail (continued) CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO April 26,2001 THROUGH May 25, 2001 accout nuvecr TAXPAYER NUMBER On File INTEREST LAST STATEMENT — April 27, 2001 DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) OEBIT AMOUNT (CREDIT AMOUNT 05/21/01 INTEREST ONCREDIT BALANCE 3.5000 71.42 AT 3 1/2% 05/15 THRU 05/20 AT 4,000% 04/21 THRU 05/14 TOTAL $5,396.37 MISCELLANEOUS DATE MODAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 05/07/01 JOURNAL MARK TO MARKET 37,060.00 OS2ti07 JOURNAL MARK TO MARKET 104,469.00 05/21/01 JOURNAL MARK TO MARKET SHORT POS = $-155,959.00 $155,959.00 /—™ (stor) ****** End of Statement™***** \—/ = 06/26/01;10:08 001 va7e EFTA00197517

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE wew.bearstearns.com What’s In This Statement Financial Summary . » 3 Your Portfolio Holdings . . 4 Transaction Detail .....ssssseeeenees 5 Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD §= 10,940,754 NET CREDIT BALANCE 1,823,296 NET EQUITY LAST STATEMENT 14,295,959 CHANGE SINCE LAST STATEMENT -1,531,909 There are no "Stop Loss’ orders or other pending buy or sell open orders on file for your account. Please report any difference or nomreceipt of checks or stocks, indicated as delivered to you, % Client Senices at 800-634-1428; or write to Clont Services at Bear, Steams Securities Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-3659. CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD March 31,2001 THROUGH ACCOUNT NUMBER TAXPAYER NUMBER On File HERITAGE INTERESTS FINANCIAL TRUST CO TTEE OTD 7-30-91 . ATTN JEANIE BRENNAN 6100 RED HOOK QUARTER STE B-3 ST THOMAS VI 00802 LAST STATEMENT Market Value of Your Portfolio 3,296 Cash & Equivalent cise Ro Equities $12,464,024 $12,087,617 : $-1,240.530 : $-1,523,270 | | Current market value $B] Last statements market value (1) Short market value This summary is for informational purposes only. It is not intended as a tax document ‘Ths statemem should be retamed for your records See reverse side for important imformation. 02? 04/28/01;17:05 001 April 27,2001 March 30,2001 vant EFTA00197518

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS 2 of 6 STATEMENT BACKER IS PRINTED ON THIS PAGE a2? 04/28/01 ;17:05 001 vant EFTA00197519

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BEAR STEARNS 3 of 6 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 Cash Flow Analysis Funds Deposited Dividends/Interest Amount Cr Net Cash Activity Openi: Funds Withdrawn Dividends/Interest Charged Amount Debited THIS PERIOD Balance ited Same day transfers of cash between account types are mot inchuded in this section, such transfers, as well as details for all offer transactions tis period, appear in Transaction Detail Cash Balance Summary OPENING CLOSING Cash 908,704.60 6,537.09 Margin 1,422.007.20 563,648.30 Short 1,118,160.18 1,253,110.35 Net Cash Balance $3,448,871.98 $1,823,295.74 Income Summary THS PERIOD YEAR TO DATE Dividends 35,684.61 77,186.32 Credit Balance Int. 8,438.98 22,148.56 Total $44,123.59 2 Soo S24.88 Portfolio Composition SHORT LONG Cash/Cash Equivalent 1,823,296 Equities 1,523,270 12,464,024 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO March 31,2001 April 27,2001 accout nuvecr TAXPAYER NUMBER On File THROUGH LAST STATEMENT March 30, 2001 Your Portfolio Allocation Cash & Equivalent— 12% Short Equities 9% Equities 79% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, 04/28/01 ;17:05 001 vant EFTA00197520

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 a 4 of6 Your Portfolio Holdings CASH & CASH EQUIVALENTS NANAKET ESTIMATED DESCRIPTION SYMBOLICUSP QUANTITY PRICE VALUE _ ANNUAL INCOME CASH BALANCE 1.823.296 TOTAL CASH & CASH EQUIVALENTS $1,823,296 EQUITIES Equities & Options ACCT MARKET ESTIMATED CURRENT DESCRIPTION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YELD (%) MEDTRONIC INC MoT CASH 113,961 44.2500 5,042,774 22,792 0.4520 PNC FINANCIAL SVCSGAOUP INC PNC 66.1800 4.134.397 119,946 PNC FINANCIAL SVCS GROUP INC PNG SHAT 66.1800 -661.800 TYCO INTERNATIONAL LTD TY CASH 61,128 53.7700 3,286,853 TYCO INTERNATIONAL LTD TY SHRT -11,000 53.7700 -591,470 CALL TYCO INTL OCT O55**" TYCJ55 CASH EXP 10/20/2001 Total Equities& Options $10,940,754 $126,044 TOTAL EQUITIES $10,940,754 $126,044 YOUR TOTAL ESTIMATED ANNUAL INCOME $126,044 YOUR PRICED PORTFOLIOHOLDINGS $12,764,049 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD March 31,2001 THROUGH ACCOUNT NUMBER April 27,2001 TAXPAYER NUMBER On File LAST STATEMENT O27 04/28/01 ;:17:05 001 March 30, 2001 vant EFTA00197521

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 BEAR STEARNS 5 of6 Transaction Detail DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 04/02/01 FND WIRED WIRED TO 170,000.00 FD#02725 FD#02183 TOTAL $-1.670,000.00 $839.00 DIVIDENDS DATE DESCRIPTION SYMBOUCUSIF QUANTITY RATE (8) 04/16/01 = PNC FINANCIAL SVCS GROUP INC PNC DIV CHG 10000 SHS SHORT REC 04/13/01 PAY 04/24, CEBIT AMOUNT CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 HERITAGE INTERESTS STATEMENT PERIOD March 31,2001 THROUGH April 27,2001 accowt wuccr TAXPAYER NUMBER On File LAST STATEMENT March 30, 2001 CREDIT AMOUNT 4,800.00 RNG FINANCIAL SVCS GROUP INC PNG 62,472 0.4800 REC 04/13/01 PAY 04/24 PET REE ea Tea TTT TTT ERE RR DIV CHG 11000 SHS SHORT REC 04/02/01 PAY 05/02/01 STINE nnn nnn ann nnn REC 04/06/01 PAY 04/27/01 TOTAL $-4,937.50 $35,684.61 o27 04/28/01 ;17:05 001 vant EFTA00197522

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 BEAR STEARNS 6 of6 Transaction Detail (continued) INTEREST DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) CEBIT AMOUNT 04/23/01 INTEREST ONCREDIT BALANCE 4.0000 AT 4.000% 04/18 THRU 04/20 “INTEREST GN CREDIT BALANCE” 45000 AT 4 1/2% 08/21 THRU 04/17 “SHT ACCT FEE 03/21-042001 oaeaior" 64/23/07 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD March 31,2001 THROUGH April 27,2001 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT March 30, 2001 (CREDIT AMOUNT 696.34 7742.64 4,398.67 TOTAL $12,837.65 MISCELLANEOUS DATE MOVDAY TRANSACTION DESCRIPTION DEBIT AMOUNT MARK TO MARKET 34,869.00 CREOIT AMOUNT 04/02/01 JOURNAL JOURNAL MARK TO MARKET 53,699.00 JOURNAL MARK TO MARKET SHORT POS JOURNAL JOURNAL FROM TYPE 2 TO 1 "JOURNAL JOURNAL FROM TYPE 210 1 722,869.90 $-892,116.90 $892,116.90 stop] ****** End of Statement™***** \—/ 04/28/01 ;:17:05 001 vant EFTA00197523

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE What’s In This Statement wow.bearstearns.com Financial Summary , : Your Portfolio Holdings . . Transaction Detail ......s.ssssesseresseessees Your M@SSAQ@S y,srssssssnevsnsseaceseareneaneniene NO fF Your Portfolio at a Glance 10,847,087 Cash & Equivalent 3,448,872 TOTAL VALUE OF SECURITIES THIS PERIOD NET CREDIT BALANCE NET EQUITY THIS PERIOD $14,295,959 NET EQUITY LAST STATEMENT 13,657,431 CHANGE SINCE LAST STATEMENT 638,528 There are no "Stop Loss’ orders or other pending buy or sell open orders on file for your account. Ploase mport any difference cr noe-roceigt of checks or stocks, indicated as delivered to you, © Client Senices at 800-624-1428; or write to Clam Services at Bear, Steams Securitios Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-3859. HERITAGE INTERESTS FINANCIAL TRUST CO TTEE OTD 7-30-91 . ATTN JEANIE BRENNAN 6100 RED HOOK QUARTER STE B-3 ST THOMAS VI 00802 Market Value of Your Portfolio $3,448,872 $1,948,206 : $-1,240.530 $13,160,805 : $-1.451,580 | | Current market value ERB] Last statements market value ([) Short market value This summary is for informational purposes only. It Is mot intended as a tax document CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD February 24,2001 March 30, 2001 account sumccr roaver maccn February 23,2001 THROUGH LAST STATEMENT Important Notice Decimal Trading is Here for Nasdaq! Decimal Trading is the shift from fractional pricing {e.9.21 1/2) to decimal pricing (e.9.$21.50)for equities and options. Nasdaq securities have been phased in during March and the remaining securities are scheduled to be trading in decimals in April. For details, visit our website at wwew.bearstearns. com. ‘This statemem should be retained for your records. See reverse side for important information. a2? 04/31/01 ;17:01 001 V466 EFTA00197524

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS 2 of? STATEMENT BACKER IS PRINTED ON THIS PAGE a2? 04/31/01 ;17:01 001 v466 EFTA00197525

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BEAR STEARNS 3 of? Cash Flow Analysis Balance Openi: Securities Sold Funds Deposited Dividends/Interest Miscellaneous Amount Cr Securities Bought Amount Debited Net Cash Activity OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 THIS PERIOD $1,948,206.36 308,237.16 4,689.13 11,755.13 1,256,099.20 -80,115.00 $-80,115.00 Same day transfers of cath between account types are mot inchuded in this section; such transfers, as well as details for all other transactions tis period, appear in Transaction Detail. Cash Balance Summary OPENING Cash 0.00 Margin 569,670.07 Short 1,378,536.29 Net Cash Balance $1,948,206.36 Income Summary THS PERIOD Dividends 128.00 Credit Balance Int. 6,639.24 Total $6,767.24 Portfolio Composition ‘SHORT Cash/Cash Equivalent Equities 1,240,530 CLOSING 908,704.60 1,422,007.20 1,118,160.18 $3,448,871.98 YEAR TO DATE 41,501.71 13,709.58 $55,21 1.29 LONG 3,448,872 12,087,617 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD February 24,2001 THROUGH March 30,2001 account suvccr weaver maccn LAST STATEMENT February 23,2001 Your Portfolio Allocation Cash & Equivalent— 21% Short Equities} 7% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, 04/31/01;17:01 001 v466 EFTA00197526

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 a 47 Your Portfolio Holdings CASH & CASH EQUIVALENTS NANAKET ESTIMATED DESCRIPTION SYMBOLICUSP QUANTITY PRICE VALUE _ ANNUAL INCOME CASH BALANCE 3.448.872 TOTAL CASH & CASH EQUIVALENTS $3,448,872 EQUITIES Equities & Options ACT MARKET ESTIMATED CURRENT DESCRIPTION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YELD (%) MEDTRONIC INC MoT CASH 113,961 45.7400 5,212,576 22,792 0.4373 PNC FINANCIAL SVCSGAOUP INC PNG CASH 67.7500 4,232 478 119.946 PNC FINANCIAL SVCS GROUP INC PNG SHAT 67.7500 -677,500 TYCO INTERNATIONAL LTD TY CASH 61,128 43.2300 2.642.563 TYCO INTERNATIONAL LTD Ty¢ SHRT -11,000 43.2300 -475,530 CALL TYCO INTL OCT O55**" TYCJ55 CASH EXP 10/20/2001 Total Equities& Options $10,847,087 $126,044 TOTAL EQUITIES $10,847,087 $126,044 YOUR TOTAL ESTIMATED ANNUAL INCOME $126,046 YOUR PRICED PORTFOLIOHOLDINGS $14,295,958 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD February 24,2001 THROUGH ACCOUNT NUMBER March 30,2001 Taxpayer nuwecr February 23,2001 LAST STATEMENT O27 00/31/01 ;17:01 001 v466 EFTA00197527

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BEAR STEARNS 5 of? Transaction Detail OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD February 24,2001 THROUGH March 30,2001 account suvccr Twpaver nuvecr INVESTMENT ACTIVITY LAST STATEMENT —- February 23, 2001 SETTLEMENT TRADE DATE OATE TRANSACTION DESCRIPTION SYMBOLCUSIP QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 03/06/01 03/05/01 SOLD CALL TYCO INTL OCT 055* OTYCJ55 -500 6.20000 308,237.16 EXP 10/20/2001 CUSIP NUMBER TO FOLLOW, UNSOLICITED OPEN CONTRACT EXP 04/21/2001 CUSIP NUMBER TO FOLLOW, UNSOLICITED CLOSING CONTRACT 03/14/01 03/13/01 BOUGHT CALL PNC FINL GAP MAY 075** OQPNCEO 500 0.70000 36,502.50 EXP 05/19/2001 UNSOLICITED CLOSING CONTRACT TOTAL $-80.115.00 $308,237.16 DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRETION DEBIT AMOUNT CREDIT AMOUNT 03/21/01 FUNDS REC GNDE, f TO CITIBANK FROM 4,689.13 TOTAL $4,689.13 a2? 04/31/01;17:01 001 Va66 EFTA00197528

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 a 6 of? Transaction Detail (continued) DIVIDENDS DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE ($) CEBIT AMOUNT 03/13/01 JOHNSON& JOHNSON JNJ 400 0.3200 REC 02/20/01 PAY 03/13/01 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD February 24,2001 THROUGH March 30,2001 account suvccr Twpaver nuvecr LAST STATEMENT February 23,2001 CREDIT AMOUNT 128.00 TOTAL $128.00 INTEREST DATE DESCRIPTION SYMBOUCUSIF QUANTITY RATE (%e} CEBIT AMOUNT 03/21/01 INTEREST ONCREDIT BALANCE 4.5000 AT 4 1/2% 03/20 THRU 03/20 AT 5,000% 02/21 THRU 03/19 SHT ACCT FEE 02/21-032001 Ossie” 03/21 CREDIT AMOUNT 287.79 4,987.89 TOTAL MISCELLANEOUS MOIDAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 02/26/01 JOURNAL MARK TO MARKET 99,456.00 O37 JOURNAL FROM TYRE 376 7 - 669,126.07 0: * JRL* JOURNAL MARK TG MARKET SHORT POS oxo” oxesior™ $11,627.13 04/31/01 ;17:01 O01 v466 EFTA00197529

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 a 7 ot? Transaction Detail (continued) MISCELLANEOUS (continued) OATE MODAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 03/12/01 JOURNAL MARK TO MARKET 26,659.00 03/19/01 JOURNAL MARK TO MARKET SHORT POS 136,380.00 TOTAL $-962,908.07 $2,219,007.27 Your messages ‘i Bear, Stearns Securities Corp, Net Capital and Net Capital Requirements: At November 30, 2000 and January 26, 2001, the Company's net capital of $2,620,960,000 and $2,761,817,000 was approximately 9% and 10% of aggregate debit items and exceeded the minimum regulatory net capital requirement of $572,456,000 and $559,381,000 by $2,048.504,000 and $2,202,436,000, all respectively, A complete copy of the Bear, Stearns Securities Corp, Statement of Financial Condition is available on the web site www,bearstearns com, Alternatively, to request a free printed copy please call - toll free 1-866-299-9331, CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD February 24,2001 THROUGH March 30,2001 accout uncer Taxpayer numecr LAST STATEMENT February 23,2001 0€/31/01;17:01 001 Vee6 EFTA00197530

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. One Metrotech Center North BEAR 245 Park Avenue Brocklyn, New York 11201-2859 STEARNS New York. New York 10167 | | HERITAGE INTERESTS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE + www.bearstearns.com What’s In This Statement Financial Summary , : 3 Your Portfolio Holdings . . 4 Transaction Detail .....sscssseeeenneres 5 Your M@SS8Q@S iawn 14 Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD = 11,709,225 NET CREDIT BALANCE 1,948,206 NET EQUITY THIS PERIOD $13,657,431 NET EQUITY LAST STATEMENT 15,370,868 CHANGE SINCE LAST STATEMENT “1,713,436 There are no "Stop Loss” orders or other pending buy or sell open orders on file for your account. Bear, Stearns Securities Corp. STATEMENT PERIOD January 27,2001 THROUGH February 23,2001 account numccr = WesallssedealsMesseall Taxpayer wuwecr LAST STATEMENT January 26, 2001 HERITAGE INTERESTS FINANCIAL TRUST CO TTEE DTD 7-30-91 . ATTN JEANIE BRENNAN 6100 RED HOOK QUARTER STE B-3 ST THOMAS VI 00802 Market Value of Your Portfolio 1,948,206 Cash & Equivalent 7, $2,652,775 Equities $13,160,805 : $-1,451,580 $14,700,848: $-1,982,755 fie] Current market value EBB] Last statements market value [[) Short market value Please report any diterence cr nomreceipt of checks of stocks, indicated as dolivered to you, ‘This summary §s for informational purposes only. It Is not intended as a tax document. % Client Senices at 800-634-1428; cr write to Clont Services at Boar, Steams Securities ‘This statemem should be retained for your records. See reverse side for important information. Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-3859. o27 02/24/01;20:42 001 EFTA00197531

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2 of 4 STATEMENT BACKER IS PRINTED ON THIS PAGE o27 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS 02/24/01;20:42 001 EFTA00197532

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR STEARNS 3 of 4 245 Park Avenue Cash Flow Analysis THIS PERIOD Balance $2,652,774.82 Openi: Securities Sold 1,170,420.47 Funds Deposited 150,000.00 Dividends/Interest 11,448.07 Amount Credited $1,331 ,868.54 Funds Withdrawn -2,036,437.00 Amount Debited 036 .437.00 Net Cash Activity -704,568.46 Same day transfers of cash between account types are mot inchuded in this section, such transfers, as well as details for all offer transactions ths period, appear in Transaction Detail New York, New York 10167 Cash Balance Summary OPENING CLOSING Cash 778,470.00 0.00 Margin 624,874.00 569,670.07 Short 1,249,430.82 1,378,536.29 Net Cash Balance $2,652.774.82 $1,948,206.36 Income Summary THS PERIOD YEAR TO DATE Dividends 889.10 41,373.71 Credit Balance Int. 4,973.50 7,070.34 Total $5,862.60 $48,444.05 Portfolio Composition SHORT LONG Cash/Cash Equivalent 1,948,206 Equities 1,451,580 13,160,805 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD January 27,2001 THROUGH ACCOUNT NUMBER weaver maccn LAST STATEMENT Your Portfolio Allocation Cash & Equivalent— 12% 8% Short Equities: C Unshaded portions denote debt bata February 23,2001 January 26, 2001 80% nce andlor short market values, The allocation percentage is derived from the absohte market value of your portiatio. 02/24/01,20:42 001 EFTA00197533

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 a 4 or Your Portfolio Holdings CASH & CASH EQUIVALENTS WAARKET ESTIMATED DESCRIPTION SYMBOLICUSIP QUANTITY PRICE VALUE ANNUAL INCOME CASH BALANCE 1.948.206 TOTAL CASH & CASH EQUIVALENTS $1,948,206 EQUITIES Equities & Options ACCT MARKET ESTIMATED CURRENT DESCRIETION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YELD (%) MEDTRONIC INC MoT CASH 113,961 48.9500 5,578,391 22.792 0.4086 PNC FINANCIAL SVCSGAOUP INC PNC CASH 62,472 PNC FINANCIAL SVCSGAOUP INC PNC SHAT 10,000 CALL PNC FINL GAP MAY 075 EXP 05/19/2001 PNCEO CASH -500 TYCO INTERNATIONAL LTD TY CASH 61,128 53.7800 3,287,464 3,056 0.0930 TYCO INTERNATIONAL LTD TyY¢ SHAT -11,000 53.7800 -591,580 -550 0.0930 CALL TYCO INTL APR O60**** TYCD60 CASH -500 1.2500 -62,500 EXP 04/21/2001 Total Equities& Options $11,709,225 $126,044 TOTAL EQUITIES $11,709,225 $126,044 YOUR TOTAL ESTIMATED ANNUAL INCOME $126,046 YOUR PRICED PORTFOLIOHOLDINGS $13,657.431 027 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD January 27,2001 THROUGH February 23,2001 accout uncer Taxpayer numecr LAST STATEMENT January 26, 2001 02/24/01,20:42 001 EFTA00197534

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BEAR STEARNS 5 of 4 Transaction Detail INVESTMENT ACTIVITY SETTLEMENT = TRADE DATE OATE TRANSACTION 02/20/01 RECEIVED osoior RECEIVED o2i20i00"" RECEIVED RECEIVED OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 DESCRIPTION AOL TIME WARNER INC 901 ACE LTD-ORD 901 901 Inc 901 SYMBOLICUSIP AOL QUANTITY 500 PRICE CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD January 27,2001 THROUGH February 23,2001 accout uncer Taxpayer numecr LAST STATEMENT January 26, 2001 DEBIT AMOUNT CREDIT AMOUNT AMERICAN INTERNATIONAL GROUP 02/20/01 RECEIVED 02/2004 osis001 RECEIVED 02/20/01” RECEIVED “RECEIVED” 901 CITIGROUP INC 901 ISCO SYSTEMS INE 0901 901 901 “COLGATE PALMOLIVE Co" 1,200 901 02/24/01,20:42 001 EFTA00197535

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. One Metratech Center North 245 Park Avenue Brocklyn, New York 11201-3859 STEARNS New York, New York 10167 a Pe HERITAGE INTERESTS 6 of te STATEMENT PERIOD January 27,2001 THROUGH February 23,2001 account suvccr weaver maccn INVESTMENT ACTIVITY (continued) LAST STATEMENT — January 26, 2001 Transaction Detail (continued) SETTLEMENT TRADE DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT GREOIT AMOUNT 02/20/01 RECEIVED DUKE ENERGY CORP DUK 1,200 FORMERLY DUKE POWER CO 901 901 901 02/20/01 901 VED ELAN CORP BLCABR 901 901 300 LID 901 OBB0/04 RECEIVED GENERAL DYNAMICS CORP 901 02/20/01 RECEIVED HISPANIC BROADCASTING CORP CLA 901 02/20/01 RECEIVED HOME DEPOT INC 901 901 02/20/01 RECEIVED ILLINOIS TOOL WORKS INC 901 MACHINES CORP 901 INTERNATIONAL PAPER CO 901 o27 02/24/01,20:42 001 EFTA00197536

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. One Metratech Center North 245 Park Avenue Brocklyn, New York 11201-3859 STEARN S — i 10167 7 oft HERITAGE INTERESTS STATEMENT PERIOD January 27,2001 THROUGH February 23,2001 Transaction Detail (continued) accouvt xumccr | Taxpaver nuwecr INVESTMENT ACTIVITY (continued) LAST STATEMENT January 26, 2001 SETTLEMENT = TRADE DATE OATE TRANSACTION DESCRIPTION SYMBOLCUSIP QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 02/20/01 RECEIVED JUNIPER NETWORKS JNPR 200 0901 osis0i67"" RECEIVED JOHNSONS JOHNSON 901 o2i20i07" RECEIVED KELLOGG CS K 901 RECEIVED ESTEE LAUDER COMPANIES INC CLA 901 02/20) RECEIVED ELI LILLY & CO 901 0901 Oz/20/07" RECEIVED NEXTED COMMUNICATIONS INC-CTA” 901 RECEIVED “ORACLE CORP OAC 0901 Oz/0/01" RECEIVED 63/20/04 901 02/20/01 RECEIVED ROYAL DUTCH PETROLEUM CO NY REGISTRY (DG 1,25 PAR) 901 02/20/01 RECEIVED SCHERING PLOUGH CORP 901 VED SUNMICAOSVSTEMS INC 901 o27 02/24/01,20:42 001 EFTA00197537

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Beas, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North BEAR 245 Park Avenue Brooklyn, New York 11201-3859 STEARN S — i 10167 8B of 14 HERITAGE INTERESTS STATEMENT PERIOD January 27,2001 THROUGH February 23,2001 Transaction Detail (continued) accouvt xumccr | Taxpayer numecr INVESTMENT ACTIVITY (continued) LAST STATEMENT January 26, 2001 SETTLEMENT — TRADE DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 02/20/01 RECEIVED TELLABS INC TLAB 200 901 901 o2/20/07"" RECEIVED UNITED TECHNOLOGIES CORP 901 RECEIVED WASHINGTON MUTUAL INC 901 UNSOLICITED OR BOT ORTEOT SOLE ACE TIOGA ‘aeC 760 37°80000 UNSOLICITED OST ORTEOT SOLE ALER CORP BK 660 42°42916 35,404.71 UNSOLICITED SEE NOTE ‘S* ON BACK Ot Ose SOLE AMERICAN INTERNATIONAL GROUP ‘Aig 5000 "86 60960 43,250.85 INC UNSOLICITED WITH RIGHTS TO PURCHASE COMMON STK UNDER CERTAIN CIRCUMSTANCE WE MAKE A MKT IN THIS SECURITY REPORTED PRICE 71 15/16 DIFFERENCE - 0,060000 2640661 03733) 02/22/01 02/16/01 7187750 27,560.03 UNSOLICITED WE MAKE A MKT IN THIS SECURITY AVG PRICE: DETAILS ON REQUEST UNIT PRICE 26,375000 DIFFERENCE - 0.071500 o27 02/24/01,20:42 001 EFTA00197538

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Beas, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North BEAR 245 Park Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10167 a | HERITAGE INTERESTS 9 of 4 STATEMENT PERIOO January 27,2001 THROUGH February 23,2001 Transaction Detail (continued) accouvt xumccr | Taxpayer numecr INVESTMENT ACTIVITY (continued) LAST STATEMENT January 26, 2001 SETTLEMENT TRADE DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT GREOIT AMOUNT 02/22/01 02/16/01 SOLD CONSTELLATION ENERGY GROUP INC CEG -600 42.47080 25,429.13 UNSOLI CITIGROUP INC c -700 54.85100 UNSOLICITED CISCO SYSTEMS INC csco -1,200 28.00250 WE MAKE A MKT IN THIS SECURITY REPORTED PRICE 28 1/16 DIFFERENCE - 0,060000 02/22/01 3834792 02/22/01 33,599.37 02/22/01 3636880 1813729 UNSOLICITED BOBBY OSTA T SOL ene nvennennns is cnennennennes een ennennnnnnn se snnennnnnness senna UNSOLICITED WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED FORMERLY DUKE POWER CO UNSOLICITED UNSOLICITED UNSOLICITED UNSOLICITED UNSOLICITED o27 02/24/01;20:42 001 EFTA00197539

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Beas, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North BEAR 245 Park Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10167 a | HERITAGE INTERESTS 10 of 4 STATEMENT PERIOD January 27,2001 THROUGH February 23,2001 Transaction Detail (continued) accouvt xumccr | Taxpayer numecr INVESTMENT ACTIVITY (continued) LAST STATEMENT January 26, 2001 SETTLEMENT TRADE DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT GREOIT AMOUNT 02/22/01 02/16/01 SOLD GENERAL DYNAMICS CORP GD -200 68.40180 13,627.40 UNSOLI HOME DEPOT INC iia) 766 43°00816 UNSOLICITED HOUSEHOLD INTERNATIONAL INC WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED ILLINOIS TOOL WORKS INC Tw -100 6402100 UNSOLICITED BSBA OS ROT SOLE ITERRIRTIONAL BUSINESS 22ers ceennnnennsnns meen angi snennennennisaennennnnnnn is ements MACHINES CORP UNSOLICITED INTERNATIONAL PAPER CO IP -200 02/22/01 30,052.16 02/22/01 $8.75000 2932152 02/22/01 634938 02/22/01 WE MAKE A MKT IN THIS SECURITY AVG PRICE: DETAILS ON REQUEST UNIT PRICE 81,956400 DIFFERENCE - 0.060000 02/22/01 < UNSOLICITED UNSOLICITED CLA UNSOLICITED UNSOLICITED een a en RGIS INVESTMENT CORP-WiSG. tt tssstnnn snag yg eennnnnn teen 800 UNSOLICITED ORBBT OR TEOT SOLD NORTEL NETWORKS CORF Ni 660 19:95000 TT S770 UNSOLICITED o27 02/24/01;20:42 001 EFTA00197540

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. One Metrotech Center North BEAR 245 Park Avenue Brocklyn, New York 11201-2859 STEARNS New York. New York 10167 fl Le HERITAGE INTERESTS 11 of STATEMENT PERIOD January 27,2001 THROUGH February 23,2001 Transaction Detail (continued) account numccr = Taxpayer numecr INVESTMENT ACTIVITY (continued) LAST STATEMENT January 26, 2001 SETTLEMENT TRADE DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT GREDIT AMOUNT 02/22/01 02/16/01 SOLD ORACLE CORP ORCL -900 24.31500 21,880.27 WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED WE MAKE A MKT IN THIS SECURITY REPORTED PRICE 24 3/8 DIFFERENCE - 0,060000 WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED NY REGISTRY (DG 1,25 PAR) UNSOLICITED WITH RIGHTS TO PURCHASE COMMON STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE WE MAKE A MKT IN THIS SECURITY REPORTED PRICE 23 1/8 DIFFERENCE - 0.060000 02/22/01 MMU SOLICITED INS ING UNSOLICITED AVG PRICE: DETAILS ON REQUEST UNIT PRICE 50,075400 UNSOLICITED UNSOLICITED o27 02/24/01;20:42 001 EFTA00197541

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North BEAR 245 Park Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10167 a | HERITAGE INTERESTS 12 of 4 STATEMENT PERIOD January 27,2001 THROUGH February 23,2001 Transaction Detail (continued) accouvt xumccr | Taxpayer NuvGcR INVESTMENT ACTIVITY (continued) LAST STATEMENT January 26, 2001 SETTLEMENT TRADE DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT GREOIT AMOUNT 02/23/01 02/20/01 SOLD COMDISCO INC cbo -600 11.65440 6,939.90 WITH RIGHTS TO PURCHASE PREFRD STK UNDER CERTAIN CIRCUMSTANCE UNSOLICITED oss00T SOLS EMC CORP-MASS EMC “B00 5.50006 UNSOLICITED SEE NOTE 'S* ON BACK GSIBSTSY BBB TOT GUESTS RUT LID UNSOLICITED WE MAKE A MKT IN THIS SECURITY REPORTED PRICE 33 13/16 DIFFERENCE - 0,000000 OsSSOT ORBO0T SOLE HISPANIC BROADCASTING CORP CLA UNSOLICITED ORSSI07 1104773 33°81256 13,532.04 33'85000 "3464350 02/23/01 02/20/01 SOLD NEXTEL COMMUNICATIONS INC-CL A UNSOLICITED WE MAKE A MKT IN THIS SECURITY REPORTED PRICE 24 13/16 DIFFERENCE - 0,170000 UNSOLICITED VSP 800 09/21/00 @ 50.44 SOU! 1 UNSOLICITED 02/23/01 02/20/01 SOLD WASHINGTON MUTUAL ING vin “300 8111210 45,942.85 UNSOLICITED TOTAL $1,170,420.47 o27 02/24/01,20:42 001 EFTA00197542

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BEAR STEARNS 13 of 14 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 Transaction Detail (continued) DEPOSITS AND WITHDRAWALS DATE TRANSACTION 02/07/01 FND WIRED Ons T0T FUNDS REC F#102666 ‘99000 FD#01156 FNOS WIRED TO CITIBANK FROM CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD January 27,2001 THROUGH February 23, 2001 account numccr teaver wwocn LAST STATEMENT January 26, 2001 TOTAL $-2,036.437.00 DIVIDENDS DATE DESCRIPTION SYMBOUCUSIF CREDIT AMOUNT 02/02/01 TYCO INTERNATIONAL LTD Tyc 889.10 REC 01/02/01 PAY 02/02/01 TOTAL $889.10 INTEREST DATE DESCRIPTION SYMBOUCUSIF CREDIT AMOUNT 02/21/01 INTEREST ONCREDIT BALANCE T 5 1/25 T ; 1/31 THRU 02/20 1,393.01 TOTAL $10,558.97 02/24/01,20:42 001 EFTA00197543

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 BEAR STEARNS 14 of 14 Transaction Detail (continued) MISCELLANEOUS DATE MOVDAY TRANSACTION DESCRIFTION DEBIT AMOUNT CREDIT AMOUNT JOURNAL MARK TO MARKET 177,074.00 02/0507 &3 ROM TYEE" ost JOURNAL JOURNAL FROM TBE 7703 BTS TERT TERE ORE ES ease MARK TO MARKET SHORT POS 19,424.00 117,287.00 02/12/01 JOURNAL MARK TO MARKET SHORT POS 22,020.00 {2770-00 02/23/01 JOURNAL JOURNAL FROM TYPE 1102 aesirgagyr amenity TOTAL $-1,233,.392.07 $1,233,392.07 Your messages 418,253.07 ‘i The interest, if any, charged to your account during December 2000 was computed on the net debit balance through December 28, The interest, if any, charged to your account during January 2001 is computed from December 29, 2000, CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD January 27,2001 THROUGH February 23,2001 account suvccr weaver maccn LAST STATEMENT January 26, 2001 02/24/01,20:42 001 EFTA00197544

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BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE wew.bearstearns.com What’s In This Statement Financial Summary , Your Portfolio Holdings . OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 . 3 . 4 Transaction Detail .....uscssseeeeeneres 5 Your Portfolio at a Glance TOTAL VALUE OF SECURITIES THIS PERIOD 12,718,093 Cash & Equivalent 1807 vs scree «EN 2502"° sessssuesseneenssssannannanunnesennnnesesansuuneeeee sseeeeee $16,123,021 NET EQUITY THIS PERIOD $15,370,868 NET EQUITY LAST STATEMENT CHANGE SINCE LAST STATEMENT 16,204,928 -834,061 There are no "Stop Loss" orders or other pending buy or sell open orders on file for your account. Please report any difference or nomreceipt of checks or stocks, indicated as delivered to you, % Client Senices at 800-624-1428; cr write to Clont Services at Bear, Steams Securities Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-3659. HERITAGE INTERESTS FINANCIAL TRUST CO TTEE DTD 7-30-91 “ ATTN JEANIE 6100 RED HOOK QUARTER STE B-3 ST THOMAS VI 00802 Market Value of Your Portfolio || Current market value EG] Last statements market value ([) Short market value This summary i for informational purposes only. It Is mot intended as a tax document CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO December 30,2000 THROUGH January 26, 2001 account suvccr roraver maccn LAST STATEMENT December 29, 2000 Important Message Decimal Trading is Coming! Decimal Trading is the shift from fractional pricing : $1,982,755 (@.9.,21 1/2) to decimal pricing (e.9..$21.50)for equities and options. All trading on NYSE, AMEX, and regional exchanges will be in decimals effective as of 1/29/01. For details, visit our website at www.bearstearns.com. ‘Ths statemem should be retamed for your records See reverse side for important imformation. 01/27/01;13:44 001 EFTA00197545

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2 of8 STATEMENT BACKER IS PRINTED ON THIS PAGE o27 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS 0127/01;13:44 001 EFTA00197546

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 245 Park Avenue STEARNS New York, New York 10167 a 3 of8 Cash Flow Analysis THIS PERIOD OpeningBalance $81,907 35 Securities Sold 4,362,833.68 Funds Deposited 2,000,000.00 Dividends/Interest 42,581.45 Miscellaneous 7,310,706.50 Amount Cr ited $13,716,.121.63 Securities Bought -1,075,254.16 Funds Withdrawn -7,470,000.00 Miscellaneous -2,600,000.00 Amount Debited Net Cash Activity 2,570,867.47 Samo day Yansfors ct cash batwoen account types are not included in this section; such transfers, as well as dotails for all other transactions this period, appear in Transaction Detail Cash Balance Summary OPENING Cash 81,907.35 Margin 0.00 Short 0.00 Net Cash Balance $81,907.35 Income Summary THS PERIOD Dividends 40.484.61 Credit Balance Int. 2,096.84 Total $42,581.45 Portfolio Composition ‘SHORT Cash/Cash Equivalent Equities 1,982,755 CLOSING 778,470.00 624,874.00 1,249,430.82 $2,652,774.82 YEAR TO DATE 40,484.61 2,096.84 $42,581.45 LONG 2,652,775 14,700,848 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERKOO December 30,2000 THROUGH January 26, 2001 account suvccr weaver maccn LAST STATEMENT December 29, 2000 Your Portfolio Allocation Cash & Equivalent— 14% Short Equities 10% Equities 76% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, 01/27/01,13:44 001 EFTA00197547

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 BEAR STEARNS 4 of8 Your Portfolio Holdings CASH & CASH EQUIVALENTS MARKET ESTIMATED DESCRIPTION SYMBOLCUSP QUANTITY PRICE VALUE ANNUAL INCOME CASH BALANCE 2.652.775 TOTAL CASH & CASH EQUIVALENTS $2,652,775 EQUITIES Equities & Options ACCT MARKET ESTIMATED CURRENT DESCRIETION SYMBOUCUSIP TYPE QUANTITY PRICE VALUE ANNUAL INCOME YELD (%) MEDTRONIC INC MoT CASH 113,961 54.9380 6,260,789 22,792 0.3640 PNC FINANCIAL SVCS GROUP INC PNC CASH 62,472 74.3130 4,642,482 119,946 2.5837 PNC FINANCIAL SVCSGROUP INC PNC SHRT -10,000 74.3130 -743,130 -19,200 2.5837 CALL PNC FINL GAP MAY 075 PNCEO CASH -500 5.6250 -281,250 EXP 05/19/2001 TYCO INTERNATIONAL LTD TY CASH 61,128 62.1250 3,797,577 3,056 0.0805 TYCO INTERNATIONAL LTD TYC SHRT -11,000 62.1250 -683,375 -550 0.0805 CALL TYCO INTL APR 060 TYCD60 CASH -500 5.5000 -275,000 EXP 04/21/2001 Total Equities& Options $12,718,093 $126,044 TOTAL EQUITIES $12,718,093 $126,044 YOUR TOTAL ESTIMATED ANNUAL INCOME $126,046 YOUR PRICED PORTFOLIOHOLDINGS $15,370,867 027 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOG December 30,2000 January 26, 2001 accout uncer Taxpayer numecr December 29, 2000 THROUGH LAST STATEMENT 01/27/01,13:44 001 EFTA00197548

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BEAR STEARNS 5 of6 Transaction Detail INVESTMENT ACTIVITY SETTLEMENT = TRADE DATE OATE TRANSACTION 01/02/01 12/29/00 SOLD OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 DESCRIPTION CALL TYCOINTL JANOSS**** EXP 01/20/2001 CUSIP NUMBER TO FOLLOW, UNSOLICITED OPEN CONTRACT AS OF 12/29/00 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERKOO December 30,2000 THROUGH January 26, 2001 account suvccr weaver maccn LAST STATEMENT December 29, 2000 SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 902124946 -500 3.10420 153,452.34 01/02/01 = 12/29) SOLD 01/03/01 01/02/01 SOLD EXP 01/20/2001 CUSIP NUMBER TO FOLLOW, UNSOLICITED OPEN CONTRACT CALL PNC FINL GAP JAN O7OPBW EXP 01/20/2001 CUSIP NUMBER TO FOLLOW, OPEN CONTRACT CALL TYCO INTL JAN OSO* EXP 01/20/2001 UNSOLICITED CUSIP NUMBER TO FOLLOW, OPEN CONTRACT AS OF 01/02/01 4.32920 214,700.28 693475945 902124946 -210 4.62500 96,384.26 01/22/01 SOLD 01/22/01 01/19/01 BOUGHT EXP 01/20/2001 UNSOLICITED CUSIP NUMBER TO FOLLOW, OPEN CONTRACT CALL PNC FINL GAP MAY 075 EXP 05/19/2001 UNSOLICITED CUSIP NUMBER TO FOLLOW, OPEN CONTRACT CALL TYCO INTL JANOSS* EXP 01/20/2001 UNSOLICITED CLOSING CONTRACT 4.50000 223,240. QPNCEO 902124946 500 6.00000 301,752.50 o27 0127/01;13:44 001 EFTA00197549

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Beas, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North BEAR 245 Park Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10167 a | HERITAGE INTERESTS 6 of8 , STATEMENT PERKOO December 30,2000 THROUGH January 26, 2001 Transaction Detail (continued) accouvt xumccr | Taxpayer numecr INVESTMENT ACTIVITY (continued) LAST STATEMENT — December 29, 2000 SETTLEMENT TRADE DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT GREOIT AMOUNT 01/22/01 01/19/01 BOUGHT CALL PNC FINL GAP JAN O7O0PBW 6934759A5 500 1.43750 73,627.50 EXP 01/20/2001 UNSOLICITED OPEN CONTRACT 01/22/01 01/19/01 SOLD CALL TYCO INTL APR 060 EXP 04/21/2001 UNSOLICITED CUSIP NUMBER TO FOLLOW, + arvcbéo 5007 "5163500 379,488.12 01/22/01 JOURNAL CALL TYCO INTL JANOSO 902124946 210 EXP 01/20/2001 AVE QTYCASO ASSIGNED 02331 01/22/01 JOURNAL CALL PNC FINL GAP JAN O7O0PBW 693475945 200 EXP 01/20/2001 AIEQPNCAN ASSIGNED 01681 01/24/01 01/22/01 SOLD TYCO INTERNATIONAL LTD Te "0,000 0.00000 499,880.83 NE GTYCASO 210 ASSIGNED AS OF 01/2101 01/24/01 01/22/01 SOLD PNC FINANCIAL SVCS GROUP INC PNG "0,000 70.00000 699,724.16 SHORT, AE QPNCAN 200 ASSIGNED AS OF 01/22/01 01/24/01 01/22/01 SOLD BNC FINANCIAL SVGS GROUP INC PNG “0,000 70.0000 699,876.66 AEQPNCAN 200 ASSIGNED AS OF 01/22/01 SHORT, AE QTYCASO 210 ASSIGNED AS OF 01/22/01 5850559A6 01/24/01 EXPIRED CALL MEDTRONIC JAN O55 EXP 01/20/2001 o27 0127/01;13:44 001 EFTA00197550

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 245 Park Avenue New York, New York 10167 BEAR STEARNS 7 of6 Transaction Detail (continued) INVESTMENT ACTIVITY (continued) SETTLEMENT TRADE CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 HERITAGE INTERESTS STATEMENT PERIOD December 30, 2000 THROUGH January 26, 2001 account numccr teaver wwocn LAST STATEMENT December 29, 2000 DATE OATE TRANSACTION OESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 01/25/01 01/22/01 SOLD PNG FINANCIAL SVCSGROUP INC PNG “10,000 70.00000 699,874.16 AIE OPNCAN 200 ASSIGNED W/O SD 01/24/01 AS OF 01/22/01 01/25/01 CANCEL SELL PNG FINANCIAL SVCSGROUP INC PNG 10,000 70.00000 699,874.16 SHORT, A/E OPNCAN 200 ASSIGNED 0 SD 01/24/01 AS OF 01/22/01 TO CXL PREVIOUS SELL TOTAL $-1,075,254.16 $4,362,833.68 DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRETION DEBIT AMOUNT CREDIT AMOUNT 01/03/01 END WIRED WIRED TO 7,300,000.00 FUNDS REC FNDS WIRED TO CITIBANK FROM 2,000,000.00 TOTAL $-7.470,000.00 $2,000,000.00 DIVIDENDS DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE ($) DEBIT AMOUNT 01/24/01 PNC FINANCIAL SVCS GROUP INC PNG 72,472 0.4800 REC 01/12/01 PAY 01/24/01 CREDIT AMOUNT 34,786.56 01/27/01;13:44 001 EFTA00197551

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Stearns Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North BEAR 245 Park Avenue Brocklyn, New York 11201-2859 STEARNS New York, New York 10167 a HERITAGE INTERESTS 8 of6 STATEMENT PERIOG December 30,2000 THROUGH January 26, 2001 Transaction Detail (continued) account numccr = Taxpayer Nuecr DIVIDENDS (continued) LAST STATEMENT December 29, 2000 DATE DESCRIPTION SYMBOUCUSIP QUANTITY AATE ($) CeBIT AMOUNT CAEDIT AMOUNT 01/26/01 MEDTRONIC INC MDT 113,961 0.0500 5,698.05 REC 01/05/01 PAY 01/26/01 TOTAL $40,484.61 INTEREST DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) CEBIT AMOUNT CREDIT AMOUNT 01/22/01 INTEREST ON CREDIT BALANCE 6.0000 109.21 6.000% eet THRU 12/28 01/22/01 INTEREST ONGREDIT fe 5.5000 607.42 REDIT BALANCE 6.0000 1,380.21 AT 6,000% 12/29 THRU 01/02 TOTAL $2,096.84 MISCELLANEOUS TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT JOURNAL FR 102-16490PER LOA 01 105/01 JOURNAL TO 047-30185 2,600,000.00 PER LOWAS OF 01 01/24/01 JOURNAL JOURNAL FROM TYPE 1 TO 2" 624, 874.00 01/24/01 JOURNAL JOURNAL FROM TYPE 1102 624,874.00 TOTAL $-3,224.874.00 $7,.935.580.50 027 01/27/01,13:44 001 EFTA00197552