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

To: dharampal luthra who wrote (2204)	10/21/1999 11:02:00 AM
From: Tom Borst	Respond to of 2419

<<<Tom, can you include the source of information in your posts?>>> Harry, I only post what I know is fact. My main source of data comes from the SEC filings. I have premium password access to many sources where the link would not do you any good. Edgar Online, Signal Online, Etc., the Underwriter numbers came from the latest SEC filing. I also check and recheck whatever information I get! There are a lot of rumors I hear about the company, which I don't care to mention. I don't make price predictions because that's one thing I have no control over . . . but since I'm longer than ever, I obviously think it's going up! biz.yahoo.com Yahoo Insider Numbers Are Incorrect / Misleading Don't always trust Yahoo Insider numbers or any other Internet statistic as fact! The numbers you see below are all pre-split . . . to the best of my knowledge, no Insider has ever paid higher than $8 a share! I met with Craig Scher the day before his purchase, he paid $7. USAB did a 2-1 split June 16th everything prior to that date, needs to be divided by two! 16-Jul-99 SCHER CRAIG J Initial Filing 50,684 CL A - - 7-May-99 HARTLINE BRIAN M Bought (P) 5,000 CL A 13.88 $69,400 6-May-99 HARTLINE BRIAN M Bought (P) 15,000 CL A 13.75 $206,250 26-Apr-99 HARTLINE BRIAN M Bought (P) 20,000 CL A 14.88 $297,600 21-Apr-99 DAMBROSIO JEFF A Planned Sale (144) 200 Common - $3,000 19-Apr-99 DAMBROSIO JEFF A Planned Sale (144) 10,000 Common - $150,000 5-Mar-99 SHENKMAN ZEEV Bought (P) 2,500 CL A 8.50 $21,250 18-Feb-99 FOGWELL GEORGE C Bought (P) 7,000 CL A 9.00 $63,000 8-Feb-99 SHENKMAN ZEEV Bought (P) 500 CL A 8.75 $4,375 4-Feb-99 SHENKMAN ZEEV Bought (P) 1,000 CL A 9.00 $9,000 29-Jan-99 SHENKMAN ZEEV Bought (P) 2,500 CL A 8.25 $20,625

To: dharampal luthra who wrote (2204)	10/21/1999 11:50:00 AM
From: Tom Borst	Read Replies (1) \| Respond to of 2419

Harry, Regarding the payment frequency option . . . I'm not as impressed as you are by this feature. Granted, it's a nice feature, but I've been banking with Quicken online for over four years. Being a bachelor with 11 nieces and nephews, it's pretty hard to remember all their birthdays! Four years ago, I told the computer to kick them out a check once a year on their birthday. I can't remember their birthdays, but I do when I get their thank you cards in the mail! Uncle Tom never forgets their birthday! When I initially met with Ken back in May, I tried to persuade him to make the website as close to Quicken as possible. He said it was a little too confusing for the customer he was going after. To a certain extent I think he is correct, but Quicken has some features which I think they should implement. I'm flying out to Philly to meet with them again next week. One feature Quicken has which I would like Internet banking to implement would be. The Quicken user can EDIT the register page and type in who they write a check to, where the Internet banking customer cannot! It's very convenient to scroll down the Quicken screen and look for a particular payee! With Internet banking, if you hand-write a check, you have to look at each individual check. I can't tell you how many times I've had a merchant call me and say they haven't received payment for a certain account. With Quicken all I have to do is type in the merchants name, click find and it pulls up every check I ever sent that merchant! My usual response is, I'm sorry but I paid that bill on XYZ date w/check #ABC! A huge time saver and this feature is not currently available with Internet banking. Customers need to be able to EDIT their check register! Not an easy fix . . . with security issues and all, but if they want the business customer, it's a must have feature!