Statements EFTA00197553

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BEAR STEARNS ACCOUNT EXECUTIVE TELEPHONE VISIT OUR WEBSITE ZICHERMAN, IRA wow.bearstearns.com What’s In This Statement Financial Summary .. Transaction Detail Cash Flow Analysis OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 THIS PERIOD OpeningBalance Funds Deposited $0.00 5,863.76 Amount Credited $5,863.76 -5.863.76 Please moport any diference or neeroceigt of checks or stocks, indicated as delivered to you, % Client Senices at 800-624-1428; or 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 BRENNAN 6100 RED HOOK QUARTER STE B-3 ST THOMAS Vi 00802 Income Summary THiS PERIOD YEAR TO DATE Dividends 0.00 41,410.63 Credit Balance Int. 0.00 1,830.90 Total . $0.00 $43,241 53 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 PERIOO July 27, 2002 August 30, 2002 accoumt nuvecr TAXPAYER NUMBER On File May 31, 2002 THROUGH LAST STATEMENT ‘Ths statemem should be retamed for your records See reverse side for important imformation. 027 08/31/02;13:23 001 VE6E EFTA00197554

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BEAR STEARNS 2 of3 Transaction Detail OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 DEPOSITS AND WITHDRAWALS DATE TRANSACTION DEBIT AMOUNT CREDIT AMOUNT 08/02/02 DEPOSIT CITYSCAPE FIN CORP OO HERIT 5,863.76 GE INT HSBC TOTAL $5,863.76 MISCELLANEOUS DATE MOVDAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 08/02/02 JOURNAL 5,863.76 TOTAL $-5,863.76 o— (sto } ****** End of Statement*™***** 027 08/31102;13:23 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 HERITAGE INTERESTS STATEMENT PERIOD July 27, 2002 THROUGH August 30, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT May 31, 2002 VS66 EFTA00197555

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3 of3 STATEMENT BACKER IS PRINTED ON THIS PAGE 08/31/02;13:23 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS EFTA00197556

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BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE wew.bearstearns.com What’s In This Statement Financial Summary , Transaction Detail OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 . 3 . 4 Your Portfolio at a Glance NET EQUITY THIS PERIOD 0 NET EQUITY LAST STATEMENT CHANGE SINCE LAST STATEMENT “ 5,764,642 5,764,642 There are no "Stop Loss’ orders or other pending buy or sell open orders on file for your account. Please report any difference or nomracaipt 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. 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 Gash & $5,764,642 288] Last statement's 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 April 27,2002 May 31,2002 accor nuvecr TAXPAYER NUMBER On File April 26, 2002 THROUGH LAST STATEMENT ‘Ths statemem should be retamed for your records See reverse side for important imformation. 027 0601/02;15:46 001 vss9 EFTA00197557

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2 of 5 STATEMENT BACKER IS PRINTED ON THIS PAGE 0601/02;15:46 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS EFTA00197558

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 3 offs Cash Flow Analysis Cash Balance Summary THIS PERIOD OPENING CLOSING OpeningBalance $33,397.94 Cash 33,397.94 0.00 Money Fund 6,004,972.33 Net Cash Balance $33,397.94 $0.00 Dividends/Interest 611.94 Miscellaneous 232,910.00 Income Summary Amount Cr THIS PERIOD YEAR TO DATE Money Fund 258,716.24 Dividends 15,011.95 41,410.63 Credit Balance Int. 611.94 1,830.90 Miscellaneous -16,465,800.88 Amount Debited | sees Total $15,623.89 $43,241.53 Net Cash Activity -33,397.94 Same day ransiers of cash between account types are not included in this section; such transters, as well as details for all other transactions this period, appear in Transaction Detail, 027 0601/02;15:46 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO April 27,2002 THROUGH May 31, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT April 26, 2002 vss9 EFTA00197559

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS 405 Transaction Detail DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRIPTION 05/23/02 FUNDS REC ENDS WIRED TO CITIBANK FROM DEBIT AMOUNT CREDIT AMOUNT 10,452,624.91 TOTAL $10,452.624.91 MONEY FUND ACTIVITY DATE MO'DAY TRANSACTION: DESCRIPTION 04/27/02 OPENINGBALANCE SYMBOL/OUSIP QUANTITY 5,731,244.14 oSi0102"BIVIBEND INSTITUTIONAL SHARES DIVIDEND REINVESTED "BREVFUS CASH "MANAGENENT- ww" BicKK INSTITUTIONAL SHARE Rentini ; De ONAL SHARE: O5/1si02" BOUGHT 05/31/02 CLOSINGBALANCE 0.00 TOTAL INSTITUTIONAL SHARES MONTHLY DIVIDEND CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOO April 27,2002 THROUGH May 31, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT April 26, 2002 OESIT AMOUNT (CREDIT AMOUNT 716.24 350,000 00 $-258.716.24 $6,004,972.33 027 06/01/02;15:46 001 v559 EFTA00197560

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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 383 Madison Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10179 a | HERITAGE INTERESTS 5 os STATEMENT PERIOD THROUGH Transaction Detail (continued) TAXPAYER NUMBER ACCOUNT NUMBER INTEREST LAST STATEMENT DATE DESCRIPTION SYMBOUDUSIP QUANTITY RATE (Sh DEBIT AMOUNT CREDIT AMOUNT 05/21/02 INTEREST ONCREDIT BALANCE 1.2500 39.31 AT 1 1/4% 04/21 THRU 05/20 Mea ng aaa aaa ranma nner ammnnnnnnnn ss amnenrnnnnnnne enna 05/23/2 TOTAL $611.94 MISCELLANEOUS DATE MOIDAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 05/14/02 JOURNAL OV 232,910.00 SIDE PO! > JRL * 05124102 JOURNAL Ie) sel 16.465,800.88 PERT TOTAL $-16.698,710.88 $465,820.00 /™. (stop) ****** End of Statement*** \ / —/ 027 0601/02;15:46 001 VS59 April 27, 2002 May 31, 2002 On File April 26, 2002 EFTA00197561

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BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE wew.bearstearns.com What’s In This Statement Financial SUMMALY sscssssscsssessnecasecneniaee Your Portfolio Holdings . Transaction Detail Fund Activity sae OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 uo. & Ww Your Portfolio at a Glance NET CREDIT BALANCE MONEY MARKET FUND BALANCE 5,731,244 act coun neo pemog "ge76q 64d NET EQUITY LAST STATEMENT CHANGE SINCE LAST STATEMENT 5,905,571 140,929 There are no "Stop Loss” orders or other pending buy 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 HB oCurrent market value $288 Last statement's market value CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steans Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOG March 29, 2002 THROUGH April 26, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT March 28, 2002 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; cr write to Clont Services at Bear, Steams Securities Corp., One Metrotech Center North, Brooklyn, N.Y 11201-3659. This summary is for informational purposes only. It fs not intended as a tax document ‘Ths statemem should be retamed for your records See reverse side for important imformation. oz? 04/27/02;12:01 001 vss? EFTA00197562

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2 of 5 STATEMENT BACKER IS PRINTED ON THIS PAGE 04/27102;12:01 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS EFTA00197563

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. BEAR 383 Madison Avenue STEARNS New York, New York 10179 a 3 ofS Cash Flow Analysis Cash Balance Summary THIS PERIOD OPENING CLOSING OpeningBalance $183,304.80 Cash 182,892.38 33,397.94 Money Fund 8,977.76 Margin 412.42 0.00 Didendeinterset 93.14 Net Cash Balance $183,304.80 $33,397.94 Amount Credited $9,070.90 Money Fund 8,977.76 Funds Withdrawn -150,000.00 Income Summary Amount Debited a seannssssaressmnressenntessisiisensiclieeieeei ne Dividends 8,977.76 26,398.68 Net Cash Activity -149,906.86 Credit Balance Int. 93.14 1,218.96 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 Portfolio Composition Cast/Cash Equivalent 5,764,642 027 04/27102;12:01 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOG March 29, 2002 THROUGH April 26, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT March 28, 2002 Your Portfolio Allocation Cash & Equivalent— 100% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, vss7 EFTA00197564

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BEAR STEARNS 405 Your Portfolio Holdings CASH & CASH EQUIVALENTS DESCRIPTION CASH BALANCE DREYFUS CASH MANAGEMENT-CL A bICccX OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 SYMBOU'CUSIP QUANTITY NAARKET ESTIMATED (QURRENT PRICE VALUE ANNUAL INCOME YELD (%} 33,398 108,894 1.9000 5,731,244.14 1.0000 5,731,244 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD 1,8500% TOTAL CASH & CASH EQUIVALENTS. $5,764,642 $108,894 YOUR TOTAL ESTIMATED ANNUAL INCOME $108,894 YOUR PRICED PORTFOLIOHOLDINGS $5,764,641 Transaction Detail DEPOSITS AND WITHDRAWALS DATE TRANSACTION DESCRETION DEBIT AMOUNT CREDIT AMOUNT 04/01/02 FND WIRED MDA; FNDS WIRED TO. 150,000.00 TOTAL $-150,000.00 027 04/27102;12:01 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Steams Securities Corp. One Metrotech Center North Brooklyn, New York 11201-2859 HERITAGE INTERESTS STATEMENT PERIOD March 29, 2002 THROUGH April 26, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT March 28, 2002 VS67 EFTA00197565

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Steams Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North BEAR 383 Madison Avenue Brocklyn, New York 11201-2859 STEARNS New York, New York 10179 a HERITAGE INTERESTS 5 os STATEMENT PERIOD March 29, 2002 THROUGH April 26, 2002 Transaction Detail (continued) account xumccr = TAXPAYER NUMBER On File MONEY FUND ACTIVITY LAST STATEMENT — March 28, 2002 DATE MONDAY TRANSACTION DESCAIPTION SYMBOUUSIF QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 03/29/02 OPENINGBALANCE 5,722,266.38 D ARS MONTHLY DIVIDEND 8977-76 REINVEST DREYFUS CASH MANAGEMENT-CL® BiceK 8977.76. INSTITUTIONAL SHARE: 04/26/02 CLOSINGBALANCE 5,731 ,244.14 TOTAL $-8,977.76 $8,977.76 INTEREST DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) CEBIT AMOUNT CREDIT AMOUNT 04/22/02 INTEREST ONCREDIT BALANCE 1.2500 93.14 AT 1 1/4% 03/21 THRU 04/20 TOTAL $93.14 MISCELLANEOUS TRANSACTION DESCAIPTION DEBIT AMOUNT CREDIT AMOUNT JOURNAL JOURNAL FROM TYPE 2T0 1 412.42 TOTAL $-412.42 $412.42 027 04/27/02;12:01 001 VSS7 EFTA00197566

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE www.bearstearns.com What’s In This Statement Financial SUMMALY sscsssssscsssessnscasecneniaee Your Portfolio Holdings . Transaction Detail Fund Activity wen YOUr M@SSAQ@S 0... sccssssssessessesseesesecseesees Your Portfolio at a Glance NET CREDIT BALANCE MONEY MARKET FUND BALANCE Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 or bk Pw 183.305 5,722,266 Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD February 23,2002 March 28, 2002 accout nuvecr TAXPAYER NUMBER On File February 22.2002 THROUGH 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 $5,905,571 Cash & Ei lent Current market value $8 Last statement's market value act coun neo pemoo "$SS05877 NET EQUITY LAST STATEMENT CHANGE SINCE LAST STATEMENT 5,897,098 8.473 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; cr write to Clont Services at Bear, Steams Securities Corp., One Metrotech Center North, Brooklyn, N.Y. 11201-3859. This summary is for informational purposes only. It is not intended as a tax document ‘Ths statemem should be retamed for your records See reverse side for important imformation. 027 03/2902;20:33 001 vS55 EFTA00197567

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2 of 6 STATEMENT BACKER IS PRINTED ON THIS PAGE 03/2902;20:33 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS EFTA00197568

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OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 BEAR STEARNS — Cash Flow Analysis THIS PERIOD OpeningBalance $183,126.76 Money Fund 8,295.31 Dividends/Interest 178.04 Amount Cr ited $8,473.35 Money Fund -8,295.31 Amount Debited $-8,295.31 Net Cash Activity 178.04 Cash Balance Summary OPENING. CLOSING Cash 182,714.34 182,892.38 Margin 412.42 412.42 Net Cash Balance $183,126.76 $183,304.80 3 of6 Income Summary THiS PERIOD YEAR TO DATE Dividends 8,295.31 17,420.92 Credit Balance Int. 178.04 1,125.82 Total $8,473.35 $18,546.74 Portfolio Composition Cash/Cash Equivalent 5,905,571 Total $5,905,571 027 03/2902;20:33 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD February 23,2002 THROUGH March 28, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT February 22,2002 Your Portfolio Allocation Cash & Equivalent— 100% Unshaded portions denote debt balance andicr short market values, The allocation percentage is derived from the absohte market value of your portiatio. V555 EFTA00197569

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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 383 Madison Avenue Brocklyn, New York 11201-2859 STEARNS New York, New York 10179 | Pe HERITAGE INTERESTS 4 of6 STATEMENT PERIOD February 23,2002 THROUGH March 28, 2002 accout nuvecr Your Portfolio Holdings CASH & CASH EQUIVALENTS TAXPAYER NUMBER On File LAST STATEMENT February 22,2002 NAABKET ESTIMATED — CURRENT DESCRETION SYMBOLICUSIP QUANTITY PRICE VALUE ANNUAL INCOME —_YELD (%} CASH BALANCE DREYFUS CASH MANAGEMENT-CL A bICcX 5,722,266.38 1.0000 5,722,266 97,279 1.7000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD 1, 8500% TOTAL CASH & CASH EQUIVALENTS $5,905,571 $97,279 YOUR TOTAL ESTIMATED ANNUAL INCOME $97,279 YOUR PRICED PORTFOLIOHOLDINGS $5,905,570 Transaction Detail MONEY FUND ACTIVITY TRANSACTION DESCAIFTION SYMBOLICUSIP QUANTITY PRIGE DEBIT AMOUNT CREDIT AMOUNT OPENINGBALANCE 5,713,971.07 DIVIDEND DREYFUS Cas MANAGEMEN f INSTITUTIONAL SHARE: MONTHLY DIVIDEND INSTITUTIONAL SHARE: DIVIDEND PEAWESTED 027 03/2902;20:33 001 V555 EFTA00197570

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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 383 Madison Avenue Brocklyn, New York 11201-3859 STEARNS _—€€ 10179 HERITAGE INTERESTS STATEMENT PERIOD February 23,2002 THROUGH Transaction Detail (continued) ACCOUNT NUMBER March 28, 2002 TAXPAYER NUMBER On File MONEY FUND ACTIVITY (continued) LAST STATEMENT —- February 22,2002 DATE MO'DAY TRANSACTION DESCRIPTION SYMBOUCUSIP QUANTITY PRICE CESIT AMOUNT CREDIT AMOUNT 03/28/02 CLOSINGBALANCE 5,722,266.38 TOTAL $-8,295.31 $8,295.31 INTEREST DATE DESCRIPTION SYMBOUCUSIP QUANTITY RATE (%) CEBIT AMOUNT CAEDIT AMOUNT 03/21/02 INTEREST ONCREDIT BALANCE 1.2500 178.04 AT 1 1/4% 02/21 THRU 03/20 TOTAL $178.04 027 03/2902;20:33 001 V555 EFTA00197571

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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 Your messages ie Pursuant to SEC Rule 11Ac1-6, Bear, Stearns & Co, Inc will publicly post its quarterly routing statistics at the following web link: http-//www,bearstearns ,com/corporate/business/equities/orp tm **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 February 23,2002 THROUGH March 28, 2002 accor nuvecr TAXPAYER NUMBER On File LAST STATEMENT February 22,2002 ZS Bear, Stearns Securities Corp, Net Capital and Net Capital Requirements: At November 30, 2001 and January 31, 2002, the Company's net capital of approximately $2.6 billion and $2.6 billion was approximately 9% and 8% of aggregate debit items and exceeded the minimum regulatory net capital requirement of approximately $604.1 million and $648.0 million by approximately $2.0 billion and $2.0 billion, 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, 027 03/2902;20:33 001 vs55 EFTA00197572

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BEAR STEARNS OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS ACCOUNT EXECUTIVE ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE + wwww.bearstearns.com What's In This Statement Financial Summary ,. » 3 Your Portfolio Holdings . 1 4 Transaction Detail .....sssssseseeesees 4 Your Portfolio at a Glance NET CREDIT BALANCE 183,127 MONEY MARKET FUND BALANCE 5,713,971 NET EQUITY THIS PERIOD $5,897,098 NET EQUITY LAST STATEMENT 5,887,775 CHANGE SINCE LAST STATEMENT 9,323 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. STATEMENT PERIOO January 26, 2002 February 22,2002 accout nuvecr TAXPAYER NUMBER On File January 25, 2002 THROUGH 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 $5,897,098 Cash & Er lent Ho Current market value $2 Last statement's 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 information. oz? 02/22/02;10:07 001 vs27 EFTA00197573

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2 of 5 STATEMENT BACKER IS PRINTED ON THIS PAGE 02/2302;10:07 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS EFTA00197574

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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 fl | HERITAGE INTERESTS 3 of 5 STATEMENT PERIOD January 26, 2002 THROUGH February 22,2002 . account xumccr = Cash Flow Analysis Cash Balance Summary TANPAVER NUMBER On File THIS PERIOD —___FENING LOSING LAST STATEMENT January 25, 2002 OpeningBalance Cash 181,892.80 182,714.34 Money Fund Margin 0.00 412.42 Dividends/Interest Short 412.42 0.00 Net Cash Balance $182,305.22 $183,126.76 Amount Cr ited Money Fund Amount Debited Income Summary Net Cash Activity THIS PERIOD YEAR TO DATE Dividends 9,125.61 9,125.61 Credit Balance Int. 196.54 Same day transfers of cash between account types are not included in this soction; such transfers, as well as dotails for all other transactions this period, appear in Transaction Dotal, Total $9,322.15 $1 0,073.39 Your Portfolio Allocation Portfolio Composition Cash/Cash Equivalent 5,897,098 Cash & Equivalent— 100% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, 027 02/2302;10:07 001 vs27 EFTA00197575

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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 383 Madison Avenue Brocklyn, New York 11201-2859 STEARNS New York, New York 10179 | Pe HERITAGE INTERESTS 4 ofS STATEMENT PERIOD January 26, 2002 THROUGH February 22,2002 Your Portfolio Holdings accout wumcce | CASH & CASH EQUIVALENTS TAXPAYER NUMBER On File LAST STATEMENT January 25, 2002 NAABKET ESTIMATED — CURRENT DESCRETION SYMBOLICUSIP QUANTITY PRICE VALUE ANNUAL INCOME —_YELD (%} CASH BALANCE DREYFUS CASH MANAGEMENT-CL A bICcX 5,713,971.07 1.0000 5,713,971 114,279 2.0000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD 1,9000% TOTAL CASH & CASH EQUIVALENTS $5,897,098 $114,279 YOUR TOTAL ESTIMATED ANNUAL INCOME $114,279 YOUR PRICED PORTFOLIOHOLDINGS $5,897,097 Transaction Detail MONEY FUND ACTIVITY DATE MOVDAY TRANSACTION DESCAIPTION SYMBOUCUSIF QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 01/26/02 OPENINGBALANCE 5,705,470.46 INSTITUTIONAL SHARE: MONTHLY DIVIDEND INSTITUTIONAL SHARE: DIVIDEND PEAWESTED 027 02/2302;10:07 001 v827 EFTA00197576

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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 383 Madison Avenue Brooklyn, New York 11201-3859 STEARNS New York, New York 10179 a | HERITAGE INTERESTS 5 os THROUGH Transaction Detail (continued) ACCOUNT NUMBER STATEMENT PERIOD January 26, 2002 February 22,2002 TAXPAYER NUMBER On File MONEY FUND ACTIVITY (continued) LAST STATEMENT —_ January 25, 2002 DATE MONDAY TRANSACTION DESCAIFTION SYMBOUOUSIF QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 02/22/02 CLOSINGBALANCE 5.713,971.07 TOTAL $-8,500.61 $8,500.61 DIVIDENDS DATE DESCRIPTION SYMBOUCUSIF QUANTITY RATE ($) DEBIT AMOUNT CAEDIT AMOUNT 02/01/02 TYCO INTERNATIONAL LTD Ty¢ 50,000 0.0125 625.00 REC 01/02/02 PAY 02/01/02 TOTAL $625.00 INTEREST DATE DESCRIPTION SYMBOUCUSIF QUANTITY RATE (%) DEBIT AMOUNT CAEDIT AMOUNT 02/21/02 INTEREST ONCREDIT BALANCE 1.2500 196.54 AT 1 1/4% 01/21 THRU 02/20 TOTAL $196.54 MISCELLANEOUS DATE MOVDAY TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT MARK TO MARKET TOTAL $-412.42 $412.42 027 02/23/02;10:07 001 827 EFTA00197577

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT BEAR STEARNS ACCOUNT EXECUTIVE —ZICHERMAN, IRA TELEPHONE VISIT OUR WEBSITE wew.bearstearns.com What’s In This Statement Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD January 1, 2002 THROUGH January 25, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT December 31,2001 HERITAGE INTERESTS Financial SUMMA assess — S Your Portfolio Holdings . 4 FINANCIAL TRUST CO TTEE Transaction Detail 4 DTD 7-30-91 ‘ Fund Activity «sss. 5 ATTN JEANIE BRENNAN 6100 RED HOOK QUARTER STE B-3 YOU M@SSAQES ..,.sessesesseeeees 6 ST THOMAS VI 00802 Your Portfolio at a Glance Market Value of Your Portfolio NET CREO BALANCE 162.305 con yea Oe S37 MONEY MARKET FUND BALANCE 5,705,470 NET EQUITY THIS PERIOD NET EQUITY LAST STATEMENT CHANGE SINCE LAST STATEMENT 8,411,593 -2,523,818 There are no "Stop Loss" orders or other pending buy $0 sorties LS een 9.046 900 || Current market value EG] Last statements market value 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 Metrotech Center North, Brooklyn, N.Y. 11201-3659. 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. 02? 01/2602;08:54 001 vs20 EFTA00197578

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2 of 6 STATEMENT BACKER IS PRINTED ON THIS PAGE 01/26/02;08:54 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS EFTA00197579

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BEAR STEARNS 3 of 6 OFFICE SERVICING YOUR ACCOUNT Bear, Stearns & Co. Inc. 383 Madison Avenue New York, New York 10179 Cash Flow Analysis Openi: THIS PERIOD Balance $1,368.453.85 Securities Sold 2,749,103.71 Money Fund 2,407,331.37 Dividends/Interest 1,163.66 Amount Credited Money Fund -4,007,331.37 Funds Withdrawn -186.416.00 Miscellaneous -2,150,000.00 Amount ete asstasssesesssnssenrsnsse sus Soot eee Net Cash Activity 186,148.63 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. Cash Balance Summary OPENING CLOSING Cash 38,800.57 181,892.80 Margin 1,329,652.30 0.00 Short 0.98 412.42 Net Cash Balance $1,368,453.85 $182,305.22 Income Summary THS PERIOD YEAR TO DATE Credit Balance Int. 751.24 751.24 2) A LD Portfolio Composition Cash/Cash Equivalent 5,887,775 027 01/26/02;08:54 001 CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD January 1, 2002 THROUGH January 25, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT December 31,2001 Your Portfolio Allocation Cash & Equivalent— 100% Unshaded portions denote debt batance andicr short market values. The alocation percentage is derived from the absohte market value of your portloio, vs20 EFTA00197580

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CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY OFFICE SERVICING YOUR ACCOUNT Bear, Steams Securities Corp. Bear, Stearns & Co. Inc. ne Metratech Center North BEAR 383 Madison Avenue Brocklyn, New York 11201-2859 STEARNS New York, New York 10179 HERITAGE INTERESTS 4 of6 STATEMENT PERIOD January 1, 2002 THROUGH January 25, 2002 Your Portfolio Holdings accout wumcce | CASH & CASH EQUIVALENTS TAXPAYER NUMBER On File LAST STATEMENT December 31,2001 NAABKET ESTIMATED — CURRENT DESCRETION SYMBOLICUSIP QUANTITY PRICE VALUE ANNUAL INCOME —_YELD (%} CASH BALANCE DREYFUS CASH MANAGEMENT-CL A bICcX 5,705,470.46 1.0000 5,705,470 119,815 2.1000 INSTITUTIONAL SHARES EST, 30 DAY AVG YIELD 1,9500% TOTAL CASH & CASH EQUIVALENTS $5,887,775 $119,815 YOUR TOTAL ESTIMATED ANNUAL INCOME $119,815 YOUR PRICED PORTFOLIOHOLDINGS $5,887,775 Transaction Detail INVESTMENT ACTIVITY SETTLEMENT — TRADE DATE DATE TRANSACTION DESCRIPTION SYMBOLICUSIP QUANTITY PRICE DEBIT AMOUNT CREDIT AMOUNT 01/08/02 01/03/02 SOLD TYCO INTERNATIONAL LTD TYC -25,000 55.07460 1,375,341.84 AVG PRICE SHOWN-DETAILS ON REQ ACTUAL CONFIRM TO YOUR AGENT ICITE! AVG PRICE SHOWN-DETAILS ON REQ ACTUAL CONFIRM TO YOUR AGENT UNSOLICITED TOTAL $2,749,103.71 027 01/2602;06:54 001 vs20 EFTA00197581

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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 383 Madison Avenue Brocklyn, New York 11201-3859 STEARNS New York. New York 10179 fl Le HERITAGE INTERESTS 5 of6 STATEMENT PERIOO January 1, 2002 THROUGH January 25, 2002 Transaction Detail (continued) account xumccr = TAXPAYER NUMBER On File DEPOSITS AND WITHDRAWALS LAST STATEMENT December 31, 2001 DATE TRANSACTION DESCRETION DEBIT AMOUNT CREDIT AMOUNT 01/08/02 FND WIRED FNOS WIRED TO 36,416.00 $ COMING FROM DREYFUS TOTAL $-186,416.00 MONEY FUND ACTIVITY DATE MOvDAY TRANSACTION DESCAIPTION SYMBOUCUSIP QUANTITY PRICE DEBIT AMOUNT CAEDIT AMOUNT 01/01/02 OPENINGBALANCE 4,098,139.09 DIVIDEND REINVESTED BTOSOSSNIBENG BEV EOS SET HAN \eenien mL TA tttereeeeeeennmnnnnsacggyeenennennneneccnncerscenaccannnnecennngnsssssasnaunneccngqqnnanssssauaneeceenngnannnnensssseneeeuaggaannneesaagts INSTITUTIONAL SHA\ AMT INCLUDED IN 200 - 1099 ak aaa 9) 24 V5. 0101 Ce Lc, | XK] || INSTITUTIONAL SHARES INSTITUTIONAL SHARES 01/25/02 CLOSINGBALANCE 5,705,470.46 TOTAL $-4,007,331.37 $2,407,331.37 027 01/2602;06:54 001 vs20 EFTA00197582

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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 01/22/02 INTEREST ONCREDIT BALANCE 1.2500 AT 1 1/4% 12/21 THRU 12/30 iE ESE BRC ems nnn AT 1 1/4% 12/31 THRU 01/20 01/22/02 SHT ACCT FEE 12/21-01 2002 orezies™ CLEARED THROUGH ITS WHOLLY OWNED SUBSIDIARY Bear, Stearns Securities Corp. One Metrotech Center North Brooklyn, New York 11201-3859 HERITAGE INTERESTS STATEMENT PERIOD January 1, 2002 THROUGH January 25, 2002 accout nuvecr TAXPAYER NUMBER On File LAST STATEMENT December 31,2001 (CREDIT AMOUNT 62.74 412.42 TOTAL $1,163.66 MISCELLANEOUS TRANSACTION DESCRIPTION DEBIT AMOUNT CREDIT AMOUNT 2 JOURNAL MARK TO MARKET 0.98 GUANAT HARK TO MARKET SHORT POS 0:38 “ a JOURNAL TOO47-3078S 3°150,600.00 PER LOA 2 OUANAL JOURNAL FROM TYPE 270 1 1:329,653.28 $-3,479,654.26 $1,329,654.26 Your messages ‘i The interest, if any, charged to your account during December 2001 was computed on the net debit balance through December 30, The interest, if any, charged to your account during January 2002 is computed from December 31, 2001, 027 01/2602;06:54 001 vs20 EFTA00197583