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200810408 <br />NOTICE REQUIRED PURSUANT TO 15 U.S.C. SECTION 1692G <br />(FAIR DEBT COLLECTION PRACTICES ACT) <br />1. The total amount of the debt owed by you to Heritage Bank, <br />as of April 11, 2008, is $557,971.06. <br />2. The name of the creditor to whom the debt is owed is <br />Heritage Bank of Grand Island, Nebraska. <br />3. You have the right to dispute the debt, or any portion <br />thereof. <br />4. Unless you contest the validity of said debt, or any portion <br />thereof, within 30 days of the receipt of this Notice, the debt shall be <br />assumed to be valid. <br />5. If written notice is received within 30 days of this Notice that <br />you dispute the debt, or any portion thereof, verification of the debt shall <br />be obtained and forwarded to you by return mail. <br />6. Please be advised that pursuant to federal law, the law firm <br />of Huston & Higgins may be considered a debt collector, and any <br />information obtained from you may be used for the purpose of collecting_ <br />the above - referenced debt. <br />7. If written notice is received within 30 days of this Notice, the <br />name and address of the original creditor will be mailed to you by return <br />mail. <br />8. Written requests should be addressed as follows: <br />David C. Huston <br />Huston & Higgins <br />Attorneys at Law <br />P. O. Box 429 <br />_:...:. . <br />Grand Island, NE 68802 <br />