Quick Switch Kit E*TRAORDINARY BANKING. E*TRAORDINARILY EASY. Everything you need to take advantage of your Max-Rate Checking Account is right here.

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1 Quick Switch Kit E*TRAORDINARY BANKING. E*TRAORDINARILY EASY. Everything you need to take advantage of your Max-Rate Checking Account is right here.

2 Switch to Max-Rate Checking IN FIVE EASY STEPS 1 Open and fund your new Max-Rate Checking Account. On the date you open your account (if you apply by mail, on the date we receive your application form), we ll process your application and mail your Welcome Kit within 5 to 7 business days. Shortly thereafter, you will receive your new Visa Debit Card and checks in two separate packages Move your automatic payments and deposits. You can use the attached Automatic Payment Transfer Form and transfer your existing payments for any monthly bills (utilities, mortgage, credit card, etc.). Make sure to leave enough money in your old account to cover your outstanding checks and payments. Give the attached Direct Deposit Authorization Form to your employer to have your paycheck sent directly to your Max-Rate Checking Account. Set up free online Bill Pay. Pay all your bills from one convenient web site. Online Bill Pay lets you make payments to anyone who accepts checks from your babysitter to the cable company. And it s easy to set up go to etrade.com/billpay and get started today. Activate your new debit card just one of your new account benefits. No ATM fees at any machine, any bank, anywhere nationwide via unlimited ATM fee refunds. 1 Activate by calling the number listed on the sticker on your card. Close your old account. Once all of your outstanding payments and checks have cleared, you can use the attached Account Closure Request Form. Be sure to destroy any unused checks, ATM/debit cards and credit cards associated with your old account. 4X the national average Start using your new Max-Rate Checking Account and enjoy a rate over 4x the national average on all of your everyday cash. 2 FOR ASSISTANCE, PLEASE CALL ETRADE-1 1 With Max-Rate Checking, E*TRADE Bank will not charge you a fee for withdrawing funds from any institution s ATM nationwide but the owner/operator of the ATM may. These fees will automatically be credited to your account. E*TRADE Bank does impose a charge equal to 1% of the transaction amount (including credits and reversals) for non-u.s. currency transactions. In the event E*TRADE Bank in its sole discretion determines that there has been either fraudulent or excessive use of the feature on a given account, E*TRADE Bank reserves the right to remove this feature and not refund the ATM fees. For additional information and important details about how the ATM fee refund will be applied, please visit etrade.com/atmrefundpolicy. 2 The APY of the Max-Rate Checking Account as of 1/20/09 is more than 4 times the national average APY for checking accounts with balances of $ Source: Informa Research Services, Inc., Calabasas, CA. Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed. The E*TRADE FINANCIAL family of companies provides financial services that include trading, investing, and banking. Banking products and services are offered by E*TRADE Bank, a Federal savings bank, Member FDIC, or its subsidiaries. Bank deposits are FDIC-insured to at least $100, E*TRADE FINANCIAL Corp. All rights reserved.

3 DIRECT DEPOSIT AUTHORIZATION It s easy to have funds deposited directly to your E*TRADE Bank accounts. Just print a copy of this form, fill it out and submit it with a voided check to your employer or any other institution. Choose whether you want your entire net pay or paycheck to be deposited directly, or only a portion. Check one: Deposit 100% of my net pay or paycheck to E*TRADE Bank ABA Routing # , Account #: Deposit % of my net pay or paycheck to E*TRADE Bank ABA Routing # , Account #: Deposit $ of my net pay or paycheck to E*TRADE Bank ABA Routing # , Account #: Some companies allow direct deposits to be split between several accounts at E*TRADE Bank and/or other financial institutions. If you choose this option, indicate the specific amount you want deposited in each E*TRADE Bank account number below. Note: This authorization form is valid only for direct deposits made to E*TRADE Bank accounts. Staple an E*TRADE Bank check marked void to this authorization form. (This will make sure that your deposits are credited to the correct E*TRADE Bank account.) ABA routing number ACCOUNT number Sign below and submit this completed form to your employer. I authorize (the source of my payments) to initiate credit entries and, if necessary, to initiate any debit entries to correct an erroneous credit entry to my account(s) at E*TRADE Bank. I understand that this authorization replaces any previous authorization and will remain in full force and effect until the company named above has received written notification from me of its termination in such time as to afford the company and depository a reasonable opportunity to act. Print Name Signature Date Instructions for Employer/Payment Provider Please direct all debit or credit entries of the individual above to: E*TRADE Bank ABA Routing Number P.O. Box 1542 Merrifield, VA Remember to keep copies of all documents for your personal records.

4 AUTOMATIC PAYMENT TRANSFER FORM Your Max-Rate Checking Account comes with free online Bill Pay, so you can set up bill payments to anyone who normally accepts checks from your babysitter to your cable company all from one simple web site. Visit etrade.com/billpay for more information on free online Bill Pay. However, if you would like to transfer your existing payments with individual companies (like utilities, mortgage, credit card, etc.), complete, sign and return this form to each company. Payee/Company Information Date Name of Payee Your Information I would like to change my payment instructions for Account #: Currently, you are debiting payment from my old bank account at: Name ABA Routing #: Account #: As of (date), please stop debiting this account and start debiting this payment from my new account at E*TRADE. My new information is as follows: E*TRADE Bank ABA Routing #: Account #: ABA routing number ACCOUNT number Please send me a written confirmation of the date this change will be effective on your system. Signature Print Name Account Number with Payee Make additional copies of this form as necessary. Remember to keep copies of all documents for your personal records.

5 ACCOUNT CLOSURE REQUEST FORM Once all of your outstanding payments and checks have cleared, you can close your old account by completing this form and mailing it to your old bank. Previous Bank Information Date Name of Financial Institution Previous Account #: Primary Account Holder Name Joint Account Holder(s) Name(s) Your Information This letter is to inform you that I have decided to close the account(s) noted below as of (date). Please close the account(s) noted below and mail the balance and any interest earned to my address. Please close the account(s) noted below and wire the balance and any interest earned to my new E*TRADE Bank account, also noted below. Account 1: To E*TRADE Bank: Old Account #: New Account #: Old ABA Routing #: New ABA Routing #: Account 2: To E*TRADE Bank: Old Account #: New Account #: Old ABA Routing #: New ABA Routing #: Receiving Institution Information Official Name: E*TRADE Bank : P.O. Box 1542 City: Merrifield State: VA ZIP: Routing/ABA #: Please include the following items on all wires (please reference ) E*TRADE Bank Account #: Account Type: (if new account, your SSN) (checking, savings) Upon closure of the account(s), please send a confirmation to the address below. Primary Account Holder Signature Primary Account Holder Print Name Joint Account Holder Signature Joint Account Holder Print Name Remember to keep copies of all documents for your personal records.

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