WTDirect Cash Bonus Promotion

Institution	WTDirect	SmartyPig	Discover	Ally
Cash bonus for account opening	YES	No	No	No
High rate on $50,000+ balances	YES	No	Yes	Yes
Calls answered by live representative	YES	Yes	No	No
7-day live customer service	YES	No	Yes	Yes

Thank you for your interest in our cash bonus promotion.
This offer has expired but it’s not too late to open an account and take advantage of our great rate and our best in class client service!

If you would like to learn more about WTDirect, please visit our Web site at www.WTDirect.com.

* This offer is available to new WTDirect clients only. Primary account holder must NOT have held a WTDirect account in the past 12 months. WTDirect account must be opened and funded via electronic (ACH) transfer received by 6/15/10. Bonus is based upon the lowest daily balance during the promotional period of 6/15/10 – 9/15/10. Bonuses will be paid approximately 2 weeks after the end of the promotional period to clients whose accounts are open and in good standing. Wilmington Trust employees and their family members are not eligible. WTDirect reserves the right to cancel or modify this promotion at any time without notice.

** Annual Percentage Yield. APY is variable and is effective as of 7/21/10. There is no minimum deposit required to open the account. For the first 60 days from the date the account is opened, regardless of the account balance, the account will earn our highest APY, which is variable and is currently 1.21%. After the first 60 days, the APY for the account will have two tiers: (a) a higher APY for accounts with balances of $10,000 or more (variable and currently 1.21% APY); and (b) a lower APY for accounts with balances of less than $10,000 (variable and currently 0.15% APY).

*** Earnings are based on rates published on the websites of each institution as of 5/19/10. WTDirect earnings include interest based on 1.21% APY and the cash bonus based on deposit amount.