IT'S TIME FOR E*TRADE BANK

PROVIDING ON-LINE ELECTRONIC BULLETIN BOARD SERVICES AND CHAT ROOMS FOR TRANSMISSION OF MESSAGES AMONG COMPUTER USERS CONCERNING FINANCIAL INFORMATION AND ELECTRONIC MAIL SERVICES; PROVIDING MULTIPLE-USER ACCESS TO A GLOBAL COMPUTER INFORMATION NETWORK; TELECOMMUNICATIONS GATEWAY SERVICES, NAMELY PROVIDING AN ONLINE LINK TO NEWS, FINANCIAL INFORMATION, BUSINESS INFORMATION, CURRENT EVENTS AND REFERENCE MATERIALS