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Dear KAM:
 
Looking to upgrade your checking account? Piece of cake. Just open an E*TRADE Bank True.net
 Checking Account and get $25!* You can transfer money over and pay bills online - free. Or, if you still like writing them, True.net comes with unlimited check writing - also free.
 
E*TRADE Bank's True.net Checking has a lot to offer you!

Some benefits of the account include: 

Earn interest on $1000 minimum balance
Free, unlimited online bill pay
Unlimited checks
Free ATM or Visa Check Card
Deposits FDIC-insured up to $100,000

And remember, you can always transfer funds back to kick up your savings. Interested? Click here  <http://e-trade.0mm.com/ETR363010+367687675>to learn more about the account. 
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* Must be a new account opened with new funds. $25 is credited to new account and is reported as interest income. Account must remain open for six months. Offer applies to one account bonus per customer. Not good with any other offer. Offer expires 2/15/02.

Minimum deposit requirement of $1000 on True.net Checking account to avoid fee.

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, Incorporated are separate but affiliated companies, and are subsidiaries of E*TRADE Group, Inc.

Brokerage accounts are maintained by E*TRADE Securities, Incorporated. Products offered by E*TRADE Securities, Incorporated are not insured by the FDIC, are not guaranteed deposits or obligations of E*TRADE Bank and are subject to investment risk including possible loss of principal invested.


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System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors. 
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? 2002 E*TRADE Bank. All rights reserved. 

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