New rot 112014.59 2121272.1003 HERITAGE INTERESTS STATIMINT Memo Upterrter 29.2001 T.101011 OCIOtor 26. 200t AO:PM ?MOM 040-28867 172 In:9mM NWOE9 On fie LMT STATEverir September 28. 2001 On 10/2799190:11 001 V602 EFTA01321943 OFFICE SERVICING YOUR ACCOUNT Bear. Steams & Co. Inc. BEAR