R ACCOUNT Reef. Stearns & Co. Inc. 205 Pak AEnue MIIgo* 10167 50'30 CLIMettb TieCtrem int VMCtLY 01.1..Vre SulliwOwIrY Bet Stara unmet Co( . Crie Viltrelldi Carter tone fn 11201.3$S9 INTERNATIONAL CHARITABLE surevErr MOOD January 27. 2001 77Nouen rotruary 23. 2001 Your Portfolio Holdings (continued) Equit