et debit balance through December 28, The interest, if any, charged to your account during January 2001 is computed from December 29, 2000, Best. SZeirns Seew.I*1 COO. Cc* OACCOICCh Conte< North Broeidon. New Tuk 11201.2859 HERITAGE INTERESTS STATEMENT PERIOD January 27.2001 THROUGH February 23.2001