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1 Welcome to E * TRADE Quick Start Guide etrade.com/welcome ETRADE-1 THE BEST OF THE ONLINE BROKERS 2012 CUSTOMER SERVICE INVESTMENT CHOICES RESEARCH & TOOLS

2 It all starts with E*TRADE 360 Our one-page web site investing experience makes online investing fast, easy, and more powerful. With E*TRADE 360 you can: Graphical Accounts View Get a clear view of your accounts, allocation, and performance. Free Streaming Market Data See your portfolios and the markets stream in real time. Choose Your Favorite Features Choose the features you need to manage your investments and make decisions. Unleash Your Investing Free E*TRADE MOBILE Text ETRADE to to download for iphone, Android TM and Windows Phone mobile devices. E*TRADE Mobile is available on all popular devices.

3 Welcome to E*TRADE Whether you re new to online investing, an experienced investor, or an active trader, E*TRADE has everything you need to help you succeed. 4 easy ways to Fund Your Account Most Popular Quick Transfer 1 From outside firms: up to 3 business days 2 From E*TRADE Accounts: Immediate Fastest Wire Money Same business day Seamless Transfer an Account 10+ business days Traditional Mail a Check 5 business days Go to etrade.com/fundnow Fund Your Account Today visit etrade.com/fundnow

4 Then take advantage of our full range of Investment Choices Whatever you re investing or trading style, you ll get the investment choice and selection you need - all at exceptional value. Product Best For Complexity Investment Terms Stocks Growth & value strategies, flexibility, income generation (dividends) Low-Med ETFs Balanced portfolio, diversification, tracking indices, flexibility, lower cost Low-High Mutual Funds Balanced portfolio, diversification Low Med-Long Bonds & Fixed Income Balanced portfolio, capital preservation, income generation, risk management Low-High International Investing 3* Balanced portfolio, growth strategies, currency risk management Med-High Options Hedging investment positions, risk management, leveraged growth strategies Med-High Short-Med Futures * Investing in commodities, speculation High Short-Med Forex * Trading global currencies High Short-Med * Not available in retirement accounts Need help with investing? Managed Portfolios from E*TRADE Capital Management Professional investment management and tailored asset allocation 4 Low - Med Med - Long Select Portfolios Pre-selected asset allocations with ETFs and Mutual Funds Low - Med Med - Long Online Customer Service visit etrade.com/servicecenter

5 Guidance & value to help you Plan for Retirement Everything you need to take control of your retirement Great Tools Our easy-to-use online tools can help you plan for and effectively diversify 4 to meet your retirement goal. Great Advice Get one-to-one guidance from Financial Consultants available by phone or in-person at our branches. Access to Professionally Managed Portfolios from E*TRADE Capital Management Great Value Open a no annual fee, no minimum IRA and choose from a wide range of investments including: 1,300 no load, no transaction fee mutual funds 5 Over 80 commission-free ETFs 6 Roll Over a 401(k) Speak with a Rollover Specialist at etrade.com/welcome ETRADE-1

6 Get Started Today etrade.com/welcome PLEASE READ THE IMPORTANT DISCLOSURES BELOW. The fund s prospectus contains its investment objectives, risks, charges, expenses and other important information and should be read and considered carefully before investing. For a current prospectus, visit or visit the Exchange-Traded Funds Center at Important Note: Futures and options transactions are intended for sophisticated investors and are complex, carry a high degree of risk, and are not suitable for all investors. For more information, please read the Characteristics and Risks of Standardized Options and the Risk Disclosure Statement for Futures and Options by visiting etrade.com/optionsdisclosure, calling ETRADE-1 or writing to E*TRADE Securities LLC, P.O. Box 484, Jersey City, NJ prior to applying for an account. Important Note: Off-exchange Foreign Exchange transactions are complex and carry a high degree of risk. They are intended for sophisticated investors and are not suitable for everyone. For more information, see the Risk Disclosure Statement for Forex by visiting etrade.com/forexriskdisclosure prior to applying for an account. Exchange-traded funds [ETFs] are subject to risks similar to those of other diversified portfolios. Although ETFs are designed to provide investment results that generally correspond to the performance of their respective underlying indices, they may not be able to exactly replicate the performance of the indices because of expenses and other factors. Also, there are brokerage commissions associated with trading ETFs that may negate their low management fees. ETFs are required to distribute portfolio gains to shareholders at year end. These gains may be generated by portfolio rebalancing or the need to meet diversification requirements. ETF trading will also generate tax consequences. 1. For details and important information about Quick Transfer, please visit etrade.com/quicktransferdetails for a listing of the limitations, restrictions and time deadlines associated with this service. 2. Quick Transfers made between existing E*TRADE accounts will be processed on the same business day if the request is received prior to 4pm ET. Otherwise they will be processed on the next business day. Funds deposited to E*TRADE Securities accounts via QuickTransfer from external accounts will be available for investment or withdrawal on the third business day after the day of deposit if transferred by 4pm ET. 3. Investing outside the United States involves additional risks related to currency fluctuations, economic and political differences and difference in accounting standards. 4. Diversification and Asset Allocation do not ensure profit or protect against loss in declining markets. 5. You can invest in the mutual funds available through E*TRADE Securities no-load, no-transaction fee program without paying loads, transaction fees, or commissions. To discourage short-term trading, E*TRADE Securities will charge an Early Redemption Fee of $49.99 on redemptions or exchanges of no-load, no transaction fee funds that are held less than 90 days. Direxion, ProFunds and Rydex mutual funds, funds held at least 90 days, or funds purchased before September 1, 2006 will not be subject to the Early Redemption Fee. All fees and expenses as described in the fund s prospectus still apply. Please read the fund s prospectus carefully before investing. 6. You can buy and sell the exchange-traded funds (ETFs) available through the E*TRADE Securities commission-free ETF program without paying brokerage commissions. For margin customers, the ETFs purchased through the program are not margin eligible for 30 days from the purchase date. To discourage short-term trading, E*TRADE Securities may charge a short-term trading fee on sales of participating ETFs held less than 30 days. iphone and ipad are registered trademarks of Apple Inc. Android is a trademark of Google Inc. Use of this trademark is subject to Google Permissions. Microsoft and Windows are trademarks of the Microsoft group of companies. E*TRADE Securities ratings for Online Broker by Kiplinger s Personal Finance, November 2012 Online Broker Survey, based on the following categories: Investment Choices (5 stars), Customer Service (5 stars), User Experience (4.5 stars), Research and Tools (4 stars), Banking (3.5 stars), and Fees & Commissions (2.5 stars) The Kiplinger Washington Editors. All rights reserved. The E*TRADE Financial family of companies provides financial services that include trading, investing and related banking products and services to retail investors. Securities products and services are offered by E*TRADE Securities LLC, Member FINRA/SIPC. Full portfolio Management and advisory services are offered through E*TRADE Capital Management, an investment adviser registered with the SEC. Upon request we will send you a free copy of E*TRADE Capital Management s Form ADV Part 2A, which describes, among other things, affiliations, services offered and fees charged. E*TRADE Securities and E*TRADE Capital Management are separate but affiliated companies System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance and other factors E*TRADE Financial Corporation. All rights reserved TRINVQSG-P6217

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