To all of our esteemed & prized Internet Banking  (IBS) Clients:

You probably have begun to wonder does anyone ever return phone calls
(or e-mails). We really do but have been holed up trying to complete
this project ASAP. We knew that this might upset some clients, but we
found that this is the quickest way to fix this problem and get our
users back on-line.

We have finalized the movement of your customer account #s and re-linked
your additional accounts back to your primary Login ID (Acct #). This
process was more daunting than we anticipated and having to verify 1100
IBS users and account #s (to insure your data integrity and
confidentiality) was even more grueling than expected. After verifying
data and Login IDs, we believe that we are on the right track. Some of
you (our IBS clients) might notice your accounts displayed more than
once or additional accounts displayed that you may (or may not) want
displayed on your IBS screen. Should this be the case, please e-mail (or
phone) the information to us and we will remove this information right
away.

To our IBS Billpayer clients:

During this process, we seem to have misplaced (blown away) your bill
payment information (particularly anyone that has [had] reoccurring
payments scheduled to process on particular days). This has become our
highest priority to retrieve this information, thus alleviating the
process of having to request that our IBS Billpayers re-enter this
information. We are going to waive all bill payment charges for the
months of November & December, 2001 to try and regain your confidence
(and support).

Again, we deeply express our regrets and hope that we (yourselves and
ourselves) do not have to go through this process again. Should you be
one of our IBS clients that still has not gained access to your account
information, please refer to the following information:

1)  You have entered your password incorrectly (or what you thought was
the correct password) and been given the error message "You have failed
to correctly login three times today; please try again tomorrow, or
contact the bank at 830-379-5236 to have your password reset." This is
the easiest problem to correct and we can fix this one quickly with you
online (on the phone or by e-mail [our preferred method]). Should you
receive this message, please call our Computer Department and ask for
either myself (Howard Gordon) @ 830-401-1185, Christina Kirby @
830-401-1189, or Lora Robles @ 830-401-1182. If you reach our voice mail
(or another employee), please leave your Name, Account # and call back
#.

2)  You are not using the last six (6) digits of your ssn# (this is the
ssn# or tin# of the primary account holder). Please try again using the
last six (6) digits, or call us to determine who we have recorded as the
primary account holder. Since we have released these accounts for IBS
access, you will have to again use the last six (6) digits of your ssn#
(this is the ssn# or tin# of the primary account holder), then you will
be directed to a screen that asks for information such as:

Name
Address
City, State Zip+4
Phone #
E-Mail Address

After entering this information and clicking submit, you will then be
instructed to change your password to anything that you desire (you can
at this point change your password back to what it was before).  Always
remember that your password is case sensitive.

Again we want to thank you for your patience through this (trying)
ordeal, and we look forward to serving your IBS needs in the future.

Sincerely,

Howard Gordon
Network Manager

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