"I am in receipt of your correspondence lated July 10, 2003. Please allow this letter to serve as a response to that correspondence. Please be advised that I responded to your initial correspondence dated May 28, 2003 on June 27, 2003 (a copy of this letter is enclosed for your reference). As stated in my prior letter, EMCC, Inc. with offices located at 33 Riverside Drive, Pembroke, MA 02359, purchased the above referenced account. The original indebtedness was incurred with First Western National Bank, a federally chartered national banking association, with offices located at 501 Main Street, PO Box 719, La Jara, Colorado 81149, for the opportunity to use personal computer software to communicate for internet banking services with X.com Corporation, a Delaware corporation, with offices located at 1840 Embarcadero Road, Palo Alto, CA 94303. The remaining balance on the account that was assigned and transferred to EMCC, Inc. is $$$$$$$$$$$$$$$$$$$ Dollars ($xxx.xx). I believe this letter adequately responds to your request. Please contact Mary Smith of our servicing department at 1-800-880-8899 ext. 3139 to make arrangements for payment on this account."