Billy T said:
(1)If it by the entropy related very high temperature, I say to myself that gamma rays etc. must come from some hot real surface and they are just EM radiation, like light that can't get out.
(2)If, however, the mass loss is due to the capture of one (only) member of a vacuum polarization pair, in contrast to the capture of an identical particle that has long existed in our universe, my problem is how does the BH hole know what to do (a or b)?
(a)If the captured particle is for example an electron of a vacuum polarization pair, then BH mass drops by 0.5Mev, but
(b) if the unlucky electron has been around for years, BH mass increases by 0.5Mev.
I think all electrons are identical, they don't come with tags that say "I am half of a VP pair", so how is the BH to "know" the history of the electron it has just swallowed?
Chronos is correct (and SpaceTiger) about the mass-energy production of a black hole (BH) by way of Hawking radiation (HR). That is limited strictly to the "lifetimes" and energy release of a
non-accreting black hole. Your example (a) and (b) above are of two different things. Of course, a black hole with other matter being accreted (your (b) above) will gain mass as long as the accretion rate exceeds the Hawking evaporation rate.
So, forget about a black hole sucking in matter of any kind and place it alone in a relatively empty region of space, at least empty enough to not draw in any nearby matter. This is where we can talk about the effects of Hawking radiation alone. So, use (a) in your post above. The energy at the event horizon is as Chronos explained. This energy will produce virtual-particle (VP) pairs and not just electrons as has been mentioned so far. The VP pair is produced by "borrowed" energy from the BH. The Heisenberg uncertainty principle allows for two things here. (1) It allows the VP pair to exist on borrowed energy for a finite, but very short, period of time, and (2) it allows the VP pair to be
of any energy amount as long as, again, anything borrowed is returned. Therefore, the VP pair is not limited to just electrons and positrons being discussed so far,
it can also be quarks, protons, neutrons, and certain mesons regardless of energy required to produce the pair.
So, one of the "virtial" particles falls back into the BH and the other becomes a "real" particle with real mass. If it escapes into space (sometimes both will fall back in), then the mass of whatever the escaping particle was will exactly match the mass-loss of the BH. Mass is delivered into the realm of real and the BH loses that much mass, so the first two laws of thermodynamics are still happy, nothing has been violated.
How does a small BH become so hot and evaporate so fast? (One might ask..

). Well, the "standard" HR process just mentioned was about
one, single VP pair. In a large BH idling along this migh be the case here and there around the EH. But, in a smaller BH with more energy per square
anymeasure will be producing VP pairs, of many different particle types, at a great pace. Now we have a swarm of real particles buzzing all around the EH at a very high density. Some will combine into more complex particles, but most will just escape or,
to produce the intense energies mentioned, many particle-antiparticle pairs will meet and annihilate into pure energy. If the density is high enough and the particles massive enough, you will see the gamma-ray production Chronos mentioned, again, especially from small, short-lived BH's. Of course, it is actually the entire EM spectrum of photons that are produced but the gamma rays get the most attention.
EDIT: Add;
http://superstringtheory.com/blackh/blackh3.html
http://casa.colorado.edu/~ajsh/hawk.html
http://math.ucr.edu/home/baez/physics/Relativity/BlackHoles/hawking.html
http://library.thinkquest.org/C007571/english/advance/english.htm?tqskip1=1&tqtime=0602
http://relativity.livingreviews.org/Articles/lrr-2001-6/
http://www.physics.hmc.edu/student_projects/astro62/hawking_radiation/radiation.html