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Non-Tech : NetBank(NTBK)-formerly Atlanta Internet Bank -- Ignore unavailable to you. Want to Upgrade?

To: mark garner who wrote (2022)	7/2/1999 9:29:00 AM
From: VALUESPEC	Read Replies (1) \| Respond to of 2414

Mike Milde talks like a short. If he believed in this company . . . if he still believes in this company . . . why didn't he go long again? Maybe Mike would like to answer that puzzle for himself? Mark Garner, I believe NTBK will do very well. We'll talk 18 months from now. NTBK: ~ $38 VALUESPEC

To: mark garner who wrote (2022)	7/2/1999 9:56:00 AM
From: VALUESPEC	Read Replies (1) \| Respond to of 2414

<<I bought NTBK today. They seem to be on the right track. A one billion dollar market cap may look high now, but in relationship to many other internet stocks, this could go much higher. NTBK appears to be for real. It will be interesting to see what happens. I will be disappointed if it goes under $ 150.00. I wouldn't be surprised to see it go up 30X from here. NTBK: ~ $ 180.00 VALUESPEC>> Mark, I stand behind my opinion on NTBK. As you may know, I haven't owned NTBK for a very long time. The vulgarities of the market can make one easily look foolish short-term, especially with internet stocks. However, things change quickly with internet stocks. It will go up greatly in the upcoming 18 months- or I'll be wrong. CD should finally start to rise. I feel I have been completely right about CD. They have done everything I expected and earnings should be great for the 3rd and 4th Q. However, the market is just beginning to look at the facts, and not just with emotion. You seem to be looking at FCM with emotion. I, and people like Thomas, IMO, have been looking at FCM objectively and not emotionally like you do (?). Remember Mark, short-term I can't predict a stock's price. However, the fundamentals for CD and NTBK are their. We'll see if the future vindicate's my opinions or not. I have all my money in NTBK and expect to be greatly rewarded. I don't have any money in CD, but that would be good for a more conservative investor. NTBK: ~ $ 39 (They're doubling accounts every six months) FCM: ~ $ 2.50 (How will USAT hurt them? Isn't USAT hurting now?) CD: ~ $ 20 (the market is silly. This should never have hit $6.50) VALUESPEC valuespec.com

To: mark garner who wrote (2022)	7/2/1999 10:05:00 AM
From: VALUESPEC	Read Replies (2) \| Respond to of 2414

Mark, I might also mention that NTBK had a 3-1 stock. Regarding FCM, I was impressed by you taking the time to answer Tom's questions from a couple days ago. I intend to post both your comments and Tom's comments on the FTEL Stock Library (soon to be changed to FCM). Tom, keep up the good work. The darkness hates the light. The more people know about FCM, the more light that will be shed on the company. Why do some posters dislike the light? Let's not let the recent past be forgotten: Intrine, 1-800 fiasco, USAT, etc. Mark, I believe you will feel bad about not buying NTBK someday. Where is Raleigh? Is he "well" yet? How is Helen doing? Does Raleigh still visit Helen? OK, enough of this for today. I have some things to do. NTBK: ~ $38 FCM: ~ $2.50 VALUESPEC