| VIA FACSIMILE Mr. John Smith, CEO Your Bank Dear Mr. Smith I am one of your customers in Your City, Your State. I am concerned about the security of my online bank account. In this day and age, it is easy for someone to steal my username and password and use it to login to my online bank account. I recently saw a TV commercial for PhoneFactor. With PhoneFactor, I can instantly get a call when I login to my account. I simply answer the call and enter a PIN to complete my login. Safe and simple. When can we expect your bank to begin offering PhoneFactor? Your Name |