E*TRADE Latest news & happenings

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					Get Microsoft Money 2001. FREE!	
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			Dear larry:
			
			In this issue you'll find information on:
			
			
			
			
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			Free Microsoft Money 2001 Offer for IRA Investors.
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			Introducing the E*TRADE Bank(SM) Money Market Plus  Account
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			Year-End Investing Checklist... Six Moves That Can Save You Money
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			 Mutual Fund ALL-STAR List(SM) of 65 Select Funds
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			NEW! Mobile E*TRADE Mobile Flash 
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			 NewsBytes
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						E*TRADE IRAs have no setup fees, annual maintainance fees or initial minimums.
						
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?Open a New E*TRADE IRA and Get a FREE Copy of Microsoft Money 20011
Have you established a retirement savings plan yet? If not, it's easy to 
start now. Just use our E*TRADE Account Express(SM) online application and 
your 2000 IRA could be opened in minutes2. 

An IRA from E*TRADE Securities, Inc., gives you choice and control.  You can 
invest your IRA savings in individual stocks, bonds, or any of 5,200 mutual 
funds - 1,250 of which have no loads and no transaction fees.   

With an E*TRADE IRA, there are no setup fees, no annual maintenance fees, and 
no minimum initial investment requirements. 

Plus, when you open a qualifying E*TRADE IRA for the 2000 tax year with a 
minimum deposit of $1,000 by December 31, 2000, we'll give you a FREE copy of 
Microsoft Money 2001! Open a new 2000 IRA now!

 	
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	?Introducing the E*TRADE Bank Money Market Plus Account(?)
	
	A great rate of 6.25% APY(#) without locking up your money for a set term. 
Unlike a CD, E*TRADE Bank Money Market Plus gives you access to your money-a 
great rate plus liquidity. You can withdraw your E*TRADE Bank Money Market 
Plus funds anytime you like at E*TRADE ATMs. Or through the CIRRUScnational 
ATM network. More good news. You can also write up to three checks a month 
with no fee. 
	
	Plus, act now and get $50# for opening an E*TRADE Bank Money Market Plus 
account! 
	
	Get more information or open an E*TRADE Bank account now!  
	
	(#)Annual Percentage Yield (APY) as of 11/14/2000. Must be a new account 
opened with new funds. E*TRADE Bank Money Market Plus accounts must be opened 
with a minimum balance of $15,000 and remain open for at least 6 months in 
order to receive bonus. $50 bonus E*TRADE Bank Money Market Plus accounts 
reported as interest income. Rates are variable and subject to change daily. 
Minimum balance of $15,000 required. Certain fees may reduce earnings on 
accounts.
	
	(?)E*TRADE Bank, is a wholly owned subsidiary of E*TRADE Group, Inc. Deposits 
are insured up to $100,000 by the FDIC. E*TRADE Bank and E*TRADE Securities, 
Inc., are separate but affiliated companies. E*TRADE brokerage accounts are 
provided by E*TRADE Securities, Inc. Products offered by E*TRADE Securities, 
Inc., are not insured by the FDIC, are not deposits or obligations of E*TRADE 
Bank, are subject to investment risk, including possible loss of principal 
invested. System response times may vary due to a variety of factors, 
including trading volumes, market conditions and system performance.
	
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	?Year-End Investing Checklist. Six Moves That Can Save You Money
	Here are six moves to make before the end of 2000 that can help you downsize 
your tax bill - and get your finances in order for 2001: 
	
	Take Stock of Your Portfolio
	Make Tax-Free Gifts to Family Members
	Max Out Retirement Plan Contributions
	Consider Year-End Selling
	Donate Appreciated Stock to Charity
	Plan Ahead for Next Year
	
	Don't wait. Read more about the six moves to make before the end of 2000. 
	
	
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	?NEW and EXCLUSIVE! Mutual Fund ALL-STAR List(SM)
	With thousands of mutual funds to choose from, it can be tough to figure out 
which fund is right for your portfolio.  That's why E*TRADEc asked 
Morningstar to review all 5,200 funds  in the E*TRADE Mutual Fund Center and 
pick out the funds that passed their rigorous unbiased selection criteria.  
	
	The result?  The E*TRADE Mutual Fund ALL-STAR List3, made up of 65 funds in 
34 different investment categories that passed Morningstar's independent 
review process.  For a prospectus containing further information, including 
charges and expenses, visit www.mutualfunds.etrade.com. Read the prospectus 
carefully before you invest.
	
	ALL-STAR stock funds include: 
	
	Growth Funds
	Specialty Funds
	International Funds
	Value Funds
	Blend Funds
	Balanced Funds
	
	And ALL-STAR bond funds include: 
	
	Taxable Funds
	Tax-Free Funds
	
	Simplify your fund search and selection process. Check out the details on the 
ALL-STAR List today.
	
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	?Announcing Mobile E*TRADE's Mobile Flash
	Do you use a wireless device to access the Internet? If so, personalize it! 
	
	Visit the Mobile E*TRADE Web site and find out how to set up your "Mobile 
Flash" wireless home page preferences and get the information you want with 
one click from your wireless provider's menu. 
	
	You can customize Mobile Flash to access real-time quotes, index stats, 
Briefing.com updates, and a Watch List of up to 15 stocks. If you use an 
Internet-enabled phone, Mobile Flash lets you bookmark your favorite wireless 
financial sites for one-click access to your financial needs from Mobile 
E*TRADE.  Best of all, these features will appear on your Mobile Flash home 
page with no log-in required! 
	
	If you have an E*TRADE Bank account, you can even use Mobile E*TRADE to 
transfer funds between your various E*TRADE Bank and E*TRADE Securities, Inc. 
brokerage accounts, to pay bills, or to find the nearest E*TRADE Bank ATM, 
all from the palm of your hand.  (E*TRADE Bank and E*TRADE Securities, Inc. 
are separate companies wholly owned by E*TRADE Group, Inc.)
	
	Products offered by E*TRADE Securities, Inc., are not insured by the FDIC, 
are not guaranteed deposits or obligations of E*TRADEc Bank, are subject to 
investment risk, including possible loss of principal invested.)
	
	Visit Mobile E*TRADEc today!
	
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	?NewsBytes
	Here's a quick roundup of more exciting news from E*TRADEc this month:  
	
	DO IT  WIRELESSLY: Infowave is the wireless real-time technology that 
connects your device to virtually everything you may need, by almost any 
device you choose.  Access e-mail, the Internet and most importantly, your 
corporate server from laptop, PDA, and/or cell phone. Securely. Easily. 
Instantly. Get it done wirelessly at Infowave.
	
	
	
	 Wireless Internet access and response times may vary due to a variety of 
factors, including service provider coverage, Web site system performance and 
Internet usage.
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	1Offer valid for IRAs, including traditional and Roth.  Offer valid for U.S. 
citizens or permanent residents who have attained legal age of majority in 
their state of residence.  Void where prohibited.  Offer limited to one 
product per person.  E*TRADEc reserves the right to terminate this offer at 
any time.  Not valid with any other offer.  E*TRADE will mail the product 
within eight weeks of account funding.  Other terms may apply.  See 
www.retire.etrade.com for details.  The Microsoft Money 2001 product, 
available through this offer to certain new IRA brokerage accounts, has been 
manufactured by a company that is not affiliated with E*TRADE.  E*TRADE given 
no express or implied warranties (including but not limited to warranties of 
merchant ability or fitness for a particular use) with respect to the 
Microsoft Money 2001 software or other material associated with this offer). 
This offer and the information provided herein is neither to be considered a 
recommendation nor an endorsement by E*TRADE and E*TRADE accepts no liability 
for any direct or consequential loss arising from any use of the product 
offered.  E*TRADE does not provide any legal, tax, or accounting advice. 
	
	2When you choose our instant funding feature, there is a maximum deposit of 
$2,000. It's available 9 a.m. to 7:30 p.m. ET, and you will need your bank 
account and routing numbers located at the bottom of your paper check. You 
may not sell short, buy and sell mutual funds, or trade stocks with a market 
value of less than $5 per share until three business days after your Express 
Application is approved. 
	
	3Inclusion of a fund in the E*TRADE Mutual Fund ALL-STAR list is based on 
historical performance, and is not intended to be predictive of future 
performance of the fund.  Funds are selected for inclusion through 
independent analysis by Morningstar based upon quantitative factors such as 
total return, risk, manager tenure and expenses, and a qualitative analysis 
performed by Morningstar analysts. 
	
	 System response times may vary due to a variety of factors, including 
trading volumes, market conditions, and system performance. 
	
	Copyright 2000 E*TRADE Securities, Inc. Member NASD/SIPC. All rights 
reserved.  E*TRADE, E*TRADE Bank, and their logos are trademarks or 
registered trademarks of E*TRADE Group, Inc or its subsidiaries. All other 
marks are the property of their respective owners.
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