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Non-Tech : USAB (http://www.usabancshares.com) v.s. NTBK

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To: usab_long who wrote (48)10/30/1999 5:05:00 PM
From: usab_long   of 49
 
It will take some time for USAB to show the growth of its account base! But the time will come! And
USAB only has about 30M cap; it is relatively easy to double in cap once the number of I-banking
accounts reaches a certain number! Investors will be able to see that!

1. USAB is first covered (or reported) by Castle Securities Corp. see
biz.yahoo.com and more coverage (reports) will come once
investment community notice the potential of USAB

2. In such Report (by Castle), it is very clear (to me), USAB is extremely undervalue! Make your own
judgement!

3. USABancShares.com, Inc. Announces Operating Results as Assets Exceed $340 Million; see
biz.yahoo.com , the Q3 result is much better than my
expectation!

4. Gomez Rates USABancShares.com First Among Internet Banks for Product Pricing; see
biz.yahoo.com , the #1 I-banking, USAB just starts up its
I-banking operation in about 2 months and have received such rating! What else can you expect? To
me, USAB Team has done an outstanding job in execution! I will expect USAB will continually make
improvement in web-site design, marketing, product developments, customer services, etc!

5. USABancShares.com Reaches $22,000,000 in Online Deposits as Accounts Exceed 5,500; see
biz.yahoo.com , 5,500 accounts is a very good start!

6. USABancShares.com to Provide Direct Online Banking On 600,000 eMachine Keyboards; see
biz.yahoo.com , what is the conversion rate? 1%, it is 6,000 new
accounts; if 3% it is 18,000 accounts!

7. USABancShares.com to Ship 600,000 CD's in Sponsorship of VH-1/GQ Man of the Year Awards;
see biz.yahoo.com , again what is the conversion rate?

8. USABancShares.com Enters Alliance with UltraStar, see
biz.yahoo.com

9. USABancShares.com Enters Hardware Agreement with Systemax, Inc.; see
biz.yahoo.com
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