EST DATE OESCRPTION 01/22/02 INTEREST ON CREDIT BALANCE AT 1 114% 12/21 THRU 12/30 swam/cuss, CAANNITY RATE 12500 DENT AMOUNT Beer. Szea•ns SOOMMI GOP. Ore Metnienn Center North Bronco. New Year 11201.3859 HERITAGE INTERESTS STATEMENT PERK* January 1.2002 THROUGH January 25.2002 ACCOUNT N