IT'S TIME FOR E*TRADE BANK

FINANCIAL SERVICES, NAMELY BANKING SERVICES, STOCK BROKERAGE SERVICES, CREDIT CARD SERVICES, LOAN FINANCING, MORTGAGE LENDING AND MORTGAGE BROKERAGE SERVICES, BILL PAYMENT SERVICES, ELECTRONIC TRANSFER OF FUNDS ON BEHALF OF OTHERS, INSURANCE BROKERAGE SERVICES, AND PROVIDING INFORMATION IN THE FIELDS OF INVESTMENT AND FINANCE OVER COMPUTER NETWORKS AND GLOBAL COMMUNICATIONS NETWORKS