Message-ID: <28019329.1075857866564.JavaMail.evans@thyme>
Date: Thu, 23 Nov 2000 07:25:00 -0800 (PST)
From: etradeservice@etrade.0mm.com
To: lcampbel@enron.com
Subject: E*TRADE Customer News -- November 2000
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 =20
   E*TRADE Latest news & happenings

=09=09=09=09=09[IMAGE]
=09=09=09=09=09Get Microsoft Money 2001. FREE!=09
[IMAGE]=09[IMAGE]=09[IMAGE]=09
=09=09=09
=09=09=09
=09=09=09Dear larry:
=09=09=09
=09=09=09In this issue you'll find information on:
=09=09=09
=09=09=09
=09=09=09
=09=09=09
=09=09=09[IMAGE]
=09=09=09[IMAGE]
=09=09=09Free Microsoft Money 2001 Offer for IRA Investors.
=09=09=09[IMAGE]
=09=09=09[IMAGE]
=09=09=09Introducing the E*TRADE Bank(SM) Money Market Plus  Account
=09=09=09[IMAGE]
=09=09=09[IMAGE]
=09=09=09Year-End Investing Checklist... Six Moves That Can Save You Money
=09=09=09[IMAGE]
=09=09=09[IMAGE]
=09=09=09 Mutual Fund ALL-STAR List(SM) of 65 Select Funds
=09=09=09[IMAGE]
=09=09=09[IMAGE]
=09=09=09NEW! Mobile E*TRADE Mobile Flash=20
=09=09=09[IMAGE]
=09=09=09[IMAGE]
=09=09=09 NewsBytes
=09=09=09[IMAGE]=09[IMAGE]=09=09
=09=09=09=09=09=09
=09=09=09=09=09=09[IMAGE]
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=09=09=09=09=09=09[IMAGE]
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=09=09=09=09=09=09[IMAGE]
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=09=09=09=09=09=09[IMAGE]
=09=09=09=09=09=09E*TRADE IRAs have no setup fees, annual maintainance fees=
 or initial minimums.
=09=09=09=09=09=09
=09=09=09=09=09=09[IMAGE]
=09=09=09=09=09=09[IMAGE]
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[IMAGE]=09[IMAGE]=09[IMAGE]=09[IMAGE]=09[IMAGE]=09[IMAGE]=09



[IMAGE]
?Open a New E*TRADE IRA and Get a FREE Copy of Microsoft Money 20011
Have you established a retirement savings plan yet? If not, it's easy to=20
start now. Just use our E*TRADE Account Express(SM) online application and=
=20
your 2000 IRA could be opened in minutes2.=20

An IRA from E*TRADE Securities, Inc., gives you choice and control.  You ca=
n=20
invest your IRA savings in individual stocks, bonds, or any of 5,200 mutual=
=20
funds =0F- 1,250 of which have no loads and no transaction fees.  =20

With an E*TRADE IRA, there are no setup fees, no annual maintenance fees, a=
nd=20
no minimum initial investment requirements.=20

Plus, when you open a qualifying E*TRADE IRA for the 2000 tax year with a=
=20
minimum deposit of $1,000 by December 31, 2000, we'll give you a FREE copy =
of=20
Microsoft Money 2001! Open a new 2000 IRA now!

 =09
=09Back to top
=09

=09[IMAGE]
=09
=09
=09
=09
=09
=09[IMAGE]
=09?Introducing the E*TRADE Bank Money Market Plus Account(=0F?)
=09
=09A great rate of 6.25% APY(#) without locking up your money for a set ter=
m.=20
Unlike a CD, E*TRADE Bank Money Market Plus gives you access to your money-=
a=20
great rate plus liquidity. You can withdraw your E*TRADE Bank Money Market=
=20
Plus funds anytime you like at E*TRADE ATMs. Or through the CIRRUScnational=
=20
ATM network. More good news. You can also write up to three checks a month=
=20
with no fee.=20
=09
=09Plus, act now and get $50# for opening an E*TRADE Bank Money Market Plus=
=20
account!=20
=09
=09Get more information or open an E*TRADE Bank account now! =20
=09
=09(#)Annual Percentage Yield (APY) as of 11/14/2000. Must be a new account=
=20
opened with new funds. E*TRADE Bank Money Market Plus accounts must be open=
ed=20
with a minimum balance of $15,000 and remain open for at least 6 months in=
=20
order to receive bonus. $50 bonus E*TRADE Bank Money Market Plus accounts=
=20
reported as interest income. Rates are variable and subject to change daily=
.=20
Minimum balance of $15,000 required. Certain fees may reduce earnings on=20
accounts.
=09
=09(=0F?)E*TRADE Bank, is a wholly owned subsidiary of E*TRADE Group, Inc. =
Deposits=20
are insured up to $100,000 by the FDIC. E*TRADE Bank and E*TRADE Securities=
,=20
Inc., are separate but affiliated companies. E*TRADE brokerage accounts are=
=20
provided by E*TRADE Securities, Inc. Products offered by E*TRADE Securities=
,=20
Inc., are not insured by the FDIC, are not deposits or obligations of E*TRA=
DE=20
Bank, are subject to investment risk, including possible loss of principal=
=20
invested. System response times may vary due to a variety of factors,=20
including trading volumes, market conditions and system performance.
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=09Back to top

=09[IMAGE]
=09
=09
=09[IMAGE]
=09?Year-End Investing Checklist. Six Moves That Can Save You Money
=09Here are six moves to make before the end of 2000 that can help you down=
size=20
your tax bill =0F- and get your finances in order for 2001:=20
=09
=09Take Stock of Your Portfolio
=09Make Tax-Free Gifts to Family Members
=09Max Out Retirement Plan Contributions
=09Consider Year-End Selling
=09Donate Appreciated Stock to Charity
=09Plan Ahead for Next Year
=09
=09Don't wait. Read more about the six moves to make before the end of 2000=
.=20
=09
=09
=09Back to top

=09[IMAGE]
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=09
=09[IMAGE]
=09?NEW and EXCLUSIVE! Mutual Fund ALL-STAR List(SM)
=09With thousands of mutual funds to choose from, it can be tough to figure=
 out=20
which fund is right for your portfolio.  That's why E*TRADEc asked=20
Morningstar to review all 5,200 funds  in the E*TRADE Mutual Fund Center an=
d=20
pick out the funds that passed their rigorous unbiased selection criteria. =
=20
=09
=09The result?  The E*TRADE Mutual Fund ALL-STAR List3, made up of 65 funds=
 in=20
34 different investment categories that passed Morningstar's independent=20
review process.  For a prospectus containing further information, including=
=20
charges and expenses, visit www.mutualfunds.etrade.com. Read the prospectus=
=20
carefully before you invest.
=09
=09ALL-STAR stock funds include:=20
=09
=09Growth Funds
=09Specialty Funds
=09International Funds
=09Value Funds
=09Blend Funds
=09Balanced Funds
=09
=09And ALL-STAR bond funds include:=20
=09
=09Taxable Funds
=09Tax-Free Funds
=09
=09Simplify your fund search and selection process. Check out the details o=
n the=20
ALL-STAR List today.
=09
=09Back to top

=09[IMAGE]
=09
=09
=09[IMAGE]
=09?Announcing Mobile E*TRADE's Mobile Flash
=09Do you use a wireless device to access the Internet? If so, personalize =
it!=20
=09
=09Visit the Mobile E*TRADE Web site and find out how to set up your "Mobil=
e=20
Flash" wireless home page preferences and get the information you want with=
=20
one click from your wireless provider's menu.=20
=09
=09You can customize Mobile Flash to access real-time quotes, index stats,=
=20
Briefing.com updates, and a Watch List of up to 15 stocks. If you use an=20
Internet-enabled phone, Mobile Flash lets you bookmark your favorite wirele=
ss=20
financial sites for one-click access to your financial needs from Mobile=20
E*TRADE.  Best of all, these features will appear on your Mobile Flash home=
=20
page with no log-in required!=20
=09
=09If you have an E*TRADE Bank account, you can even use Mobile E*TRADE to=
=20
transfer funds between your various E*TRADE Bank and E*TRADE Securities, In=
c.=20
brokerage accounts, to pay bills, or to find the nearest E*TRADE Bank ATM,=
=20
all from the palm of your hand.  (E*TRADE Bank and E*TRADE Securities, Inc.=
=20
are separate companies wholly owned by E*TRADE Group, Inc.)
=09
=09Products offered by E*TRADE Securities, Inc., are not insured by the FDI=
C,=20
are not guaranteed deposits or obligations of E*TRADEc Bank, are subject to=
=20
investment risk, including possible loss of principal invested.)
=09
=09Visit Mobile E*TRADEc today!
=09
=09Back to top
=09

=09[IMAGE]
=09
=09
=09[IMAGE]
=09?NewsBytes
=09Here's a quick roundup of more exciting news from E*TRADEc this month: =
=20
=09
=09DO IT  WIRELESSLY: Infowave is the wireless real-time technology that=20
connects your device to virtually everything you may need, by almost any=20
device you choose.  Access e-mail, the Internet and most importantly, your=
=20
corporate server from laptop, PDA, and/or cell phone. Securely. Easily.=20
Instantly. Get it done wirelessly at Infowave.
=09
=09
=09
=09 Wireless Internet access and response times may vary due to a variety o=
f=20
factors, including service provider coverage, Web site system performance a=
nd=20
Internet usage.
=09?
=09Back  to top

=09[IMAGE]

=09
=09
=09HOW TO UNSUBSCRIBE:
=09
=09You received this e-mail because you registered on the E*TRADE Web site,=
 or=20
on one of our partners' sites. If you do not want to receive partner e-mail=
=20
offers, or any E*TRADE marketing e-mail, you can change your preferences no=
w.=20
You are subscribed at: lcampbel@enron.com. E*TRADE takes your privacy=20
seriously. To learn more about E*TRADE's use of personal information, pleas=
e=20
read our Privacy Policy.=20
=09
=09
=09[IMAGE]
=091Offer valid for IRAs, including traditional and Roth.  Offer valid for =
U.S.=20
citizens or permanent residents who have attained legal age of majority in=
=20
their state of residence.  Void where prohibited.  Offer limited to one=20
product per person.  E*TRADEc reserves the right to terminate this offer at=
=20
any time.  Not valid with any other offer.  E*TRADE will mail the product=
=20
within eight weeks of account funding.  Other terms may apply.  See=20
www.retire.etrade.com for details.  The Microsoft Money 2001 product,=20
available through this offer to certain new IRA brokerage accounts, has bee=
n=20
manufactured by a company that is not affiliated with E*TRADE.  E*TRADE giv=
en=20
no express or implied warranties (including but not limited to warranties o=
f=20
merchant ability or fitness for a particular use) with respect to the=20
Microsoft Money 2001 software or other material associated with this offer)=
.=20
This offer and the information provided herein is neither to be considered =
a=20
recommendation nor an endorsement by E*TRADE and E*TRADE accepts no liabili=
ty=20
for any direct or consequential loss arising from any use of the product=20
offered.  E*TRADE does not provide any legal, tax, or accounting advice.=20
=09
=092When you choose our instant funding feature, there is a maximum deposit=
 of=20
$2,000. It's available 9 a.m. to 7:30 p.m. ET, and you will need your bank=
=20
account and routing numbers located at the bottom of your paper check. You=
=20
may not sell short, buy and sell mutual funds, or trade stocks with a marke=
t=20
value of less than $5 per share until three business days after your Expres=
s=20
Application is approved.=20
=09
=093Inclusion of a fund in the E*TRADE Mutual Fund ALL-STAR list is based o=
n=20
historical performance, and is not intended to be predictive of future=20
performance of the fund.  Funds are selected for inclusion through=20
independent analysis by Morningstar based upon quantitative factors such as=
=20
total return, risk, manager tenure and expenses, and a qualitative analysis=
=20
performed by Morningstar analysts.=20
=09
=09 System response times may vary due to a variety of factors, including=
=20
trading volumes, market conditions, and system performance.=20
=09
=09Copyright 2000 E*TRADE Securities, Inc. Member NASD/SIPC. All rights=20
reserved.  E*TRADE, E*TRADE Bank, and their logos are trademarks or=20
registered trademarks of E*TRADE Group, Inc or its subsidiaries. All other=
=20
marks are the property of their respective owners.
=09Back to top
[IMAGE]