Are you investing the right way?

Dear Richard,

There is an easy way to make sure your investment strategies are right
for you. We have the innovative research tools and educational
resources to help you do just that:

* PERSONALIZED SOLUTIONS
We'll help you create a portfolio that matches your goals and provide
mutual funds that have passed Morningstar's rigorous independent review.

* The E*TRADE KNOWLEDGE CENTER
Find time-tested investment strategies, retirement planning information,
explanation of market terms, and much more.

*OUTSTANDING SERVICE
Our dedicated financial service associates are available 24/7, 365 days
a year to assist you.

** 25 TRADES ON US! **
Open an E*TRADE brokerage account by June 30, 2001, and you'll receive
up to 25 stock trades on us! (E*TRADE will rebate commissions for up
to 25 stock trades made during your first month as an E*TRADE
customer.)(1) $1,000 minimum deposit required.

http://e-trade.0mm.com/ETR223006+275794428

Discover how rewarding and easy investing can be. Start making the
most of your money. Open an account today at E*TRADE and see why we're
the #1 place to invest online. (2)



(1)Offer not valid for IRAs, retirement, business, club, or E*TRADE
Bank(R) accounts. Excludes existing E*TRADE customers, E*TRADE
Associates and non-U.S. residents. E*TRADE will rebate the commission
of up to $19.95 per trade on up to a maximum of 25 stock trades for
the first 30 days the qualifying account is open. You will pay the
normal rate on all stock trades at the time of the trades, and your
account will be credited with the rebate within eight weeks of account
approval and funding. For listed orders over 5,000 shares, add $0.01/share
to the entire order. Add $35.00 for broker-assisted trades. Rebate
applies to stock transactions only. Account holders must maintain
minimum funding in all accounts ($1,000 for cash accounts, $2,000
for margin accounts, less any losses) for at least six months.
E*TRADE reserves the right to terminate this offer at any time. Not
valid with any other offer. This offer is nontransferable.


(2) E*TRADE ranked the #1 Internet broker by the Lafferty Internet
Ratings annual survey (9/00).

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System response and account access times may vary due to a
variety of factors, including trading volumes, market conditions,
and system performance. The services described herein are
available to U.S. residents only.

(C) 2001 E*TRADE Securities, Incorporated, Member NASD/SIPC. All
rights reserved. E*TRADE and the E*TRADE logo are registered trademarks
of E*TRADE Securities, Inc.