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Non-Tech : USAB - USABancShares.com -- Ignore unavailable to you. Want to Upgrade?

To: VeloSpeed who wrote (1553)	7/16/1999 12:01:00 PM
From: VALUESPEC	Respond to of 2419

<<How many years has it taken for NTBK to get to the 35K acct mark?>> It took them about two years. However, they ONLY had an internet business to worry about. USAB has branches! They are a bricks and mortar business! Also, do you think that NTBK did and does not have issues to work on while it is now adding 5,000+ accounts per month? Will USAB be as successful as NTBK in handling those problems? Will USAB handling various business internally hurt is execution of its net banking business? NTBK has ONLY the internet business. Other business, like stock trading, etc., is done with strategic partners who offer the expertise in those business. Do you expect USA Banc to handling stock trades, bricks and mortar banking, cd trading, and internet banking AND execute as well as NetB@nk who only does NetB@nking? With USA Banc's overhead, can USA Bank make as much money as NetB@nk? USAB: ~ $ 12 NTBK: ~ $32 VALUESPEC

To: VeloSpeed who wrote (1553)	7/16/1999 12:29:00 PM
From: VALUESPEC	Read Replies (2) \| Respond to of 2419

<<Valuespec, IMO, has an agenda... I have yet to find the "deadends" that he keeps mentioning.>> Go to usabanc.com CD Energy link New Users link Then click on "Orbit" What do you get? I get a blank screen using AOL. Other dead ends were not actually dead ends after all. Many sites allow you to use your browser buttons to go backwards. USAbanc.com often does not. For instance, after getting a stock quote, and then getting news, one must click on a link to go backwards. Also, many often direct access to a new stock quote, even if reading news. Then, from the quote page, the other links like news, etc., can be gotten. Also, when I hit the "quote" button, a new screen popped up. How was I to get back to the screen where I first found first found "Quotes," "Orbit," etc.? It seemed one had to hit the top, right-hand box to close the box out. This is unusual. This is another way I felt "stranded." It is not as pathetic as I thought it was on first impression, but it is still not organized well, IMO. My agenda is to get to the facts regarding this company. Perhaps I am still playing devils advocate. My final opinion probably won't be made up until I see the site actually come on line. The advertising campaign seemed mis-timed, etc. Are they actually spending $1 mil in two months as the press releases made it sound? If not, and the announcement mis-lead many, what does that mean? It Does not add up to me. Let me end this by saying that I have not made up my mind on this company, but I am skeptical. I'm waiting to see what they come up with by August 1st. Wasn't this expected to be out by July 15th at one point? USAB: ~ $12 0 internet banking accounts NTBK: ~ $32 35,000 accounts as of June 1, 1999 VALUESPEC