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| Important Notice about Your X.com Finance Account Dear X.com account holder, As part of X.com's continuing product shift to focus exclusively on our industry-leading online payment service, PayPal, we are ceasing operation of the X Finance business, including the Internet banking division of First Western National Bank ("FWNB"), as of December 1, 2000. Please close your FWNB account by following the instructions at https://secure.finance.x.com/account_closure.asp. Accounts not closed by December 1, 2000, will be closed by us on that date and the balance mailed by check to the most recent address that you have provided. Effective November 20, 2000, we will no longer accept deposits to your account, including wire transfers. Please be sure to cancel any direct deposits or automatic electronic funds withdrawals you may have attached to your account prior to that date. After December 1, 2000, no items presented for payment will be accepted, including checks, electronic funds transfer requests and debit card transactions. Any Certificates of Deposit (CDs) will be redeemed and credited to your account on or before December 1, with full interest through maturity. Please be aware that repayment obligations under outstanding Lines of Credit are unaffected by this action, and payments should continue to be made in accordance with the Overdraft Account Agreement at https://secure.finance.x.com/help_termsofuse.asp#lending. Additional information concerning procedures for future line of credit payments will be sent at a later date. Mutual Fund Shareholders As a result of this action, X.com will be discontinuing the mutual fund business of X Finance on December 1, 2000. Please check your fund account balance and redeem all your shares on or before December 1, 2000. All remaining shareholders of the Funds on that date will have their shares redeemed on the following business day (December 4, 2000) at the net asset value determined on that date. A check for the proceeds will be mailed to the most recent address that you have provided. For more information, please see https://secure.finance.x.com/info_prospectus.asp. Thank you for your business with X.com Finance and FWNB. We regret any inconvenience this action may have caused. To those X.com Finance customers who already have PayPal accounts, we look forward to continuing our service to you and to meeting all your e-payments needs. To those who have not yet opened a PayPal account, we hope you will join the more than 4 million people and businesses currently using X.com's PayPal to send and receive payments online ?and now with the opportunity to earn money market rates of return, as well. Sincerely, Executive Team X.com Executive Team First Western National Bank To find more about x.com, go to [Only registered and activated users can see links. Either login above or Register Now]
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| All of my many ($5.00) referrals for PayPal WILL NOT be credited to me. Why? Because now they claim you must have an premium account, in other words no free PayPal account. Doesn't matter that referrals were set up long ago. Anyone smell scam? ------------------ |
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