No way will I email her! I'm like you, I don't trust her a bit!!! I am relieved that I got it. I just dreaded getting a lawyer involved. Maybe since they changed banks they haven't had time to put xh's name on the account but I still think it is weird that they went from a bank that is all over the US to a bank that is only around the TX area, which is where she lived. I guess we'll find out eventually.