From: "Charlie Gaffney" To: Subject: ATM Receipt Date: Fri, 22 Jun 2001 08:21:15 -0400 Dear Mr.Kamens, There is usually a difference between the current and available balance after a deposit is made. But, in order to give you a better answer I would need to know more information about the transaction and your accounts. One answer could be that you made the deposit to the second account on your card, and by default the machine gives you the balance on the primary account on the card. Even with the conversion checks that are deposited are put on hold for a certain amount of time, based on the type of check. I hope this helped a little, but if you would like more information please feel free to contact me. Sincerely, Charles L. Gaffney Operations Officer Peoples Federal Savings Bank