Subject: "Internet Banking".

Body: To our IBS Customers that are still hanging in there: We understand your continued frustration and express our sincerest apologies for our inability to give complete and accurate answers to your questions. The problems that we are seeing are one of three (3) possibilities: 1) You have entered your password incorrectly (or what you thought was the correct password) and been given the error message that you have exceeded your opportunities for today, and you receive the 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). 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. 3) If you see this error message "Invalid login; please try again" (after three [3] or more tries), then you possibly fall into this last category. Your account is one of the few that did not convert correctly (we will not release any information about these accounts until we verify that all information is correct and accurate). We are finalizing these accounts today and should have them available for access this afternoon (late) or this evening. Once we release 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. Should you get into IBS (before early evening [6:00pm]), the balance and transactional information displayed is as of 11/16/01 (Friday night). We will have this information updated by 6:00pm (hopefully), and then information will be as of Monday (11/19/01). Again we want to thank you for your patience through this (trying) ordeal, and we look forward to continuing to service your IBS needs in the future. Sincerely,

Subject: "Pages to print for Hunter".

Body: I just wanted to update you guys on the status of the EMW reports for Hunter. The EMW Positions_1 file is now updated and accurate. Every night when Kevin finishes his P&L file and updates the EMW Positions file, he will email the entire central team. If one of us is still here, we can print out the necessary reports and leave them on Hunter's desk. If no one is here, the first person in will need to print these reports out and give them to Hunter with the Var report. For the time being Hunter will be the only one needing these reports, I will communicate any change in distribution that he requests. Also for the time being, we will be going into Kevin's P&L file, which is in the same location as our intra month P&L's that we sign off on, and printing the four tabs that he has identified in the email attached. When Hunter has time to review this format with me, we may make changes to the reports we print out. The EMW positions_1 file is in the same location as our CE Positions_1 file. Please as always, shout with any questions or concerns. Thanks for your help. PL

Subject: "SocalGas Billing Issue".

Body: I spoke with Greg Healy of SoCalGas today regarding the revised offer Transwestern provided to SoCalGas before Christmas. He said they have questions and requested a conference call early next week so that they can better understand our proposal and go forward. I have tentatively scheduled the call for Tuesday, January 8, from 3-4 our time. Greg indicated that it would be business people and their lawyer, Dave Gilmore. Sharon, pls. set up a conference bridge number for us. I was going to call Rick Miles to let him know about the status of our discussions. He had called me after we sent SoCalGas the revised offer about wanting to know where we were. Does anyone have a problem with me calling Rick?? Maria

Subject: "Mastercard (G)".

Body:
I will probably get to the casa about 9:00 pm. Check out the attached. Not sure if you heard, but K-State's President published a letter in which he called UT a bunch of wealthy arrogant Texans. The attached is in response. See ya tonite. - mastercard_UT.jpg