A: YES. There are several reasons to be confident saving your money with WTDirect.

1. Your deposits are FDIC-insured to the maximum allowable by law, that's up to $250,000 per depositor with Wilmington Trust FSB. So you can keep even more of your savings in a WTDirect account earning our high rate. WTDirect Client Care Representatives may be able to help you to further increase your coverage with simple adjustments to your account status.
2. WTDirect is a division of Wilmington Trust FSB, part of the Wilmington Trust family of companies with a sound and stable heritage spanning over 107 years. Read more about the strength and stability of the Wilmington Trust family of companies in About Us.

A: WTDirect is the smarter choice for discerning clients looking for flexibility in managing larger deposits. We're a new online way of doing business from Wilmington Trust FSB, an organization with integrity, strength, and a commitment to client service. The Wilmington Trust family of companies is a recognized leader in the financial services industry and represents more than a century of banking and wealth management expertise. WTDirect is designed to continue this tradition of service - online - so we are a choice you can make with confidence.

A: The Wilmington Trust family of companies is a recognized leader in the financial services industry, and Wilmington Trust Corporation is publicly traded on the New York Stock Exchange (WL). Headquartered in Wilmington, Delaware, the Wilmington Trust family of companies has offices around the country and internationally employing over 2,500 people. For more information, see About Us.

A: Unlike other savings accounts that require large initial deposits, WTDirect gives you at least 60 days to reach a balance of $10,000 or more. You can easily add to your balance online and, in the meantime, your money will be earning the higher rate.

A: No you don't have to switch banks. We've made it easy for you to keep accounts at other financial institutions and transfer money between those accounts and your WTDirect Account.

To set up a transfer from your other bank account, follow these steps:
1. Log in to WTDirect.com and select the "Transfers" tab
2. Click on "Add Accounts"
3. Enter the information to establish your other bank accounts as External Accounts and be able to transfer money electronically.

A: You can make unlimited deposits and up to 6 withdrawals per calendar month (or statement cycle of at least four weeks), according to Federal law.

A: WTDirect online transfer limits allow you to transfer up to $500,000 in deposits and up to $200,000 in withdrawals, for a total of up to $500,000 in transfers per rolling 30-day period. Please note that a transfer may take up to 4 business days to complete. Transfer times are calculated on a rolling 30-day basis. You can make an unlimited number of deposits and up to 6 outgoing transfers per calendar month.

Minimum Transfer Amount

$1

	Per Transaction	Per Month
Maximum Deposit Transfer Amount	$500,000	$500,000
Maximum Withdrawal Transfer Amount	$200,000	$200,000
Maximum TOTAL Transfer Amount		Once you have reached $500,000 in total transfers, you cannot make any more transfers within that rolling 30-day period.
Maximum # of withdrawal transfers		6
Maximum # of deposit transfers		Unlimited

Because standard transfers may take up to 4 business days to complete, total value of transfers outstanding on any given day may not exceed $500,000, regardless of monthly limits.

Next-Day Transfers are available to qualified clients. There is a $10 charge for each outgoing transfer, a $2 charge for each incoming transfer. Next-Day Transfers must be set up no later than 3:00PM ET on a business day to be processed in time for next-business day delivery.

Next-Day Transfers can be made only to an external account to which a previous transfer has been made. Inbound limit per transfer = $2,500. Inbound daily limit = $5,000. Inbound Outstanding Limit = $10,000. Inbound limit per 30-day period = $20,000. Outbound limit per transfer = $2,500. Outbound daily limit = $2,500. Outbound Outstanding Limit = $5,000. Outbound limit per 30-day period = $20,000.

We reserve the right to limit the frequency and dollar amount of transactions from your accounts, in addition to what we have specified above, for security, credit, legal/regulatory or other reasons, as we may determine at any time and from time to time in our sole discretion.

A: These are accounts maintained at other financial institutions that you have electronically linked with your WTDirect Account - establishing an electronic funds transfer connection. This link enables transfers between accounts within 3-5 business days. Eligible accounts include those held at other U.S.-chartered financial institutions that are able to accept ACH transfer requests and online investment accounts held at brokerage firms. Linked accounts must be titled in the same name that matches your WTDirect account name. That means that a link may not be established between family members' accounts or between personal savings and business savings accounts.

A: As many as you like. We don't limit the number of accounts you can link to your WTDirect account, unlike some other financial institutions that may permit only 2 or 3 external accounts. However, we reserve the right to limit your linked accounts for security, credit, legal/regulatory or other reasons.

A: Every month, if there is activity on your WTDirect Account, an online statement will be generated. Otherwise, a quarterly statement will be provided. You can also check your account activity by phone.

A: Log in and select the "Other Services" tab, "View Statements". You will be able to view and print statements back through August 2008.

A: Yes. Log in to your account and select the "Other Services" tab, then "Statement Preferences." Then choose "Mailed Statements" as your Statement Preference. There is a fee charged to provide paper statements.

A: Yes. Contact us or log in and select the "Other Services" tab, then "Order Paper Statements" to select the appropriate time period. There is a fee charged to provide paper statements.

A: In order to be able to view your statements online, your operating system and software must be current. Please review the requirements below and let us know if you're still having difficulty.

FOR PCs:
Hardware and Software Requirements
To receive statement information electronically, you will need all of the following:

• a computer or other device with the capability to access the Internet and view web pages
• a working individual email address on file with Wilmington Trust
• the most current or any of the immediately preceding two general release versions of Microsoft^® Internet Explorer or Mozilla Firefox^® browser. All browsers must have 128-bit encryption capability, must support JavaScript^TM, and must be set to accept cookies
• the most current or the immediately preceding general release version of Adobe Acrobat^® Reader^®

To download the most current version of any of this software, go to www.mozilla.com, www.microsoft.com, or www.adobe.com.

FOR APPLE^® MAC^® OPERATING SYSTEMS:
Mac OS^® X
Adobe does not yet maintain a plug-in for viewing PDF files within Firefox for computers with Mac OS X. To view PDFs in Firefox:

• If you have a Mac with a PowerPC processor, the Schubert|it PDF Browser Plug-in can be used to view PDF files in Firefox.
• If you have a Mac with an Intel^® processor, the Firefox PDF Plug-in extension can be used to view PDF files in Firefox.

Mac Snow Leopard^® and Acrobat Reader
The browser plug-in installed by Adobe Acrobat or Adobe Reader 9.x and earlier is 32-bit. As a result, PDF files will not view in-line when using Adobe Acrobat or Acrobat Reader with Apple's Safari^® browser.

Solution: You can run Safari in 32-bit which will allow the Adobe Acrobat/Reader plug-in to load and be used. You can check for updates on Acrobat Reader and Snow Leopard at www.adobe.com.

A: Everyone's computer is different, so there are several solutions for you to try:

1. Hold the "Control" key down while simultaneously clicking the "View" button on the screen.
2. Turn off pop-up blockers, including those on your browser or within the Google or Yahoo toolbars. Also check your settings to turn-off pop-up blockers.
3. Clear your cache and cookies, and make sure that cookies are enabled.
4. Reboot your computer after making these updates, and reboot your cable modem if necessary.
5. Open Adobe^® Acrobat^® Reader. In the toolbar, click "Edit" then "Preferences" then "Internet". Under "Web Browser Options" there will be four boxes displayed. If the "Display PDF in Browser" box is checked, please uncheck it.

If the above suggestions do not result in viewing your statements, please call us.

A: You have two choices - fund by an electronic funds transfer or by writing a check.

To initially fund via an electronic funds transfer, you'll need to know your account number at the external bank, as well as the routing number of the external bank. Remember that you must have electronic access to this external account to verify our trial deposits.

To initially fund by check, please write a check for at least $1 payable to WTDirect. Include your Application ID (provided when you applied) or account number in the memo field of the check, and mail the check to WTDirect Deposits, P.O.Box 8892, Wilmington, DE 19899-8892.

A: These are one or two small deposits we make to an external account that you've designated as your funding account, which helps us confirm ownership of the account. Once you've identified the amount(s) in your external funding account, return to WTDirect.com and click on "Verify Trial Deposits". Enter the deposit amounts in any order.

This step is required by most clients to fund your WTDirect Account and enable you to use an external account. If it's been a while since the trial deposits were made to your account and you can't access the amounts, please contact us at 1-800-WTDirect (or 800-983-4732) and we'll initiate the process again.

A: Yes you may. Remember to set up direct deposit to add to your account after the first deposit. We have provided forms to help you establish a direct deposit.

A: When you applied for your account, you most likely set up a User ID and Password. Please use this User ID and Password to log in and manage your account at WTDirect.com.

If you haven't yet set up a User ID and Password, simply go to WTDirect.com and click on "Set Up Login." You'll be prompted to answer questions and set up your secure User ID and Password.

A: You'll receive email notification from us confirming the establishment of your new account and that the initial funding is complete.

A: You can access your account online at WTDirect.com or get account information by phone using Touch-Tone Banking at 1-800-WTDirect (800-983-4732).

Establish a Touch-Tone Banking Telephone Access Code by calling 1-800-WTDirect (800-983-4732) during business hours to speak with a WTDirect Client Care Representative. Our hours are M-F 7AM-11PM, Sat 8AM-1PM, Sun 5PM-11PM ET.

A: There are several ways to transfer money using WTDirect. Choose the method that works best for you.

Move money online between WTDirect and another bank or account:
1. Log in to WTDirect.com and select the "Transfers" tab
2. Select "Outside Wilmington Trust"
3. Choose "Make Bank to Bank Transfer" and choose your accounts to transfer between. If your desired account isn't listed, please follow the instructions to Add An External Account, below.
4. After you have entered the amount and confirmed your transfer request, the funds will be transferred within 4 business days.

Add an External Account for online transfers:
1. Log in to WTDirect.com and select the "Transfers" tab.
2. Click the "Add Accounts" tab.
3. Enter the bank or routing number of the external account, then enter the account number.
4. If you are asked to verify account ownership through Trial Deposits, details will be provided online. A few days later, after the Trial Deposits have been made into that account, you'll be asked to verify these Trial Deposits on the "Bank to Bank Transfer Overview" page. Once you've done that, your account will appear as a "Linked Account."
5. If you are asked to provide your external account User ID and Password, this allows you to be verified immediately and your external account will appear as a "Linked Account" the next business day. (We do not keep your external account User ID and Password.)
6. Once your external account is verified, you can transfer funds between this account and your WTDirect Savings Account.

Set up an Automatic Direct Deposit
When you set up an automatic direct deposit into your WTDirect Savings Account, the money moves into your account faster than if you had to remember to do it yourself. And that means it starts earning interest sooner.

We've provided complete instructions and forms you can print out to set up your direct deposit.

Move money using your mobile browser-enabled smartphone:
1. Log in to m.WTDirect.com or www.WTDirect.mobi and select "Transfers"
2. Choose your "Transfer From" account
3. Choose your "Transfer To" account
4. Enter the transfer amount and click "Next"
5. Confirm and click "Transfer"

A: In addition to viewing your account information and making online transfers, you can do the following within "Other Services":

• Update your contact information
• Set up account alerts
• Change your Password
• View statements online or order paper statements

A: The WTDirect routing number is 052173464

A: Yes, the funds will earn interest beginning on the date that funds are received (for electronic and wired deposits) or the date that the check is posted to your account (for check deposits, provided that the posting is completed before our specified cut-off time, which is 3PM ET).

A: Unlike many other banks who stop paying interest as soon as your transfer request is made, WTDirect continues to pay interest on your transfer amount until and including the day the funds leave our bank. So your money is earning interest for as long as possible with WTDirect.

A: The time it takes to move your money between accounts depends on the method you use and the accounts involved. Your money starts earning interest the day that funds are received into your WTDirect account.

Transfer Method	Type of Transfer	Accounts Involved	When funds are available for use (business days)
Online Transfers	Initial Deposits	From another financial institution	7 days after day of deposit
		From another Wilmington Trust Account	3 days after day of deposit
	Subsequent Deposits	From another financial institution	Immediately upon receipt of funds in your account
		From another Wilmington Trust Account	3 days after day of deposit
Check Deposit	Initial Deposit	From another financial institution	7 days after day of deposit
		From another Wilmington Trust Account	7 days after day of deposit
	Subsequent Deposits	From another financial institution	3 days after day of deposit
		From another Wilmington Trust Account	3 days after day of deposit
	Next Day*	From another financial institution	Next business day*
Wire Deposit	Initial Deposits	From another financial institution	7 days after day of deposit
	Subsequent Deposits	From another financial institution	Same day as receipt of funds in your account
*Available to qualified clients. Assumes daily cut-off times are met.

A: Interest will be compounded daily and will be credited to your account monthly. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the balance in the account each day. Your daily balance is the ending balance of the account from the previous day, plus deposits and minus withdrawals made that business day.

A: Unlike some other financial institutions, WTDirect allows you to wire funds to your account.

Simply provide your funding institution with your WTDirect Account Number and our ABA Routing Number (052173464). Money wired from another account is immediately available in your WTDirect Savings Account.

A: Transferring your money online will typically take 3-5 business days. Eligible clients may use our Next-Day Transfer Service for a fee of $10 per outgoing transfer and $2 per incoming transfer. Next-Day Transfers must be set up online by 3:00PM ET on a business day for next business day delivery. You may also call our Client Care team and request a check be mailed to you or a third party. The fee to have a check issued is $25.00 plus the cost of expedited delivery. Under special circumstances we can wire the funds to another bank for a fee of $30.00. For additional details please call us at 1-800-WTDirect (1-800-983-4732).

A: You can set up email account alerts to receive notification when your balance has reached an amount that you determine.
1. Log in to WTDirect.com and select the "Other Services" tab
2. In "SetUp Alerts" select the balance amounts to trigger a notification to your email address.

A: WTDirect Client Care Representatives are standing by if you have any questions about your application, your account, or managing your account online. Periodically, we'll remind you that we're here to help and that we can call you - free of charge - at any U.S. phone number that you provide. If you request a call back after business hours, we'll return your call on the next business day.

A: You can add up to 3 beneficiaries on your WTDirect account. If you didn't provide this information in your application, you can complete this form and send it back to us.

A: When you designate a beneficiary on your WTDirect account, the account is automatically converted to an Informal Revocable Trust account. This type of account can be referred to as any of the following: a Totten Trust, Payable-on-Death Account, As Trustee For (ATF) Account, or In Trust For (ITF) Account. For FDIC Insurance purposes, Totten Trust accounts fall in a separate category from your individually or jointly owned accounts; which may give you more coverage. Current FDIC rules provide for $250,000 insurance coverage per owner-beneficiary combination. If you name 3 beneficiaries, that is $750,000.00 in coverage under current FDIC insurance rules.

A: Yes, you cannot name a pet, a trust, or a for-profit organization. But you are free to name any person as a beneficiary, regardless of their relationship to you, as well as any non-profit organizations recognized under IRS rules.

A: No. If there is more than one beneficiary, the account will be owned by the beneficiaries as joint tenants with right of survivorship and not as tenants in common. Please see our Disclosure Agreement for more details.

A: Contact one of our Client Care Representatives and we can take care of that for you.

A: Log in to your account and select the "Other Services" tab, and "Change Email or Mailing Address", which will allow you to securely update your email, mailing address, and phone number.

A: Yes. Simply log in to your account and click on "Open a New Account" to confirm your personal information. Your new account will be set up immediately.

Please know that you can transfer out the amount of money that you need and keep your account open in order to build your balance back up. However, if you decide to close your account entirely, make sure that you are paid the accrued interest that you have earned.

Interest Earned
In order to receive the interest earned but not yet paid to your account, please wait until the interest has been posted to your account (no later than the first week of each month) and then complete a Bank to Bank Transfer for your entire balance. If you fail to wait until the accrued interest is posted, you may be forfeiting this interest.

Recurring Transfers
Please remember to cancel any recurring transfers that you may have set up in Online Banking. All future dated transfers must be cancelled in order to close your account.

Closing Your Account
Once your transfer has been completed and your account has a zero balance, please request to close your account by sending a secure email via Online Banking. This is for your protection, to ensure that we are receiving the request from you.

To send a secure email, simply log in to your WTDirect account, click on the "Mailbox" tab and select "Send Message" in the gray bar under "Mailbox." Your email to us will be automatically encrypted and safe to include sensitive account information.

A: Our customizable Personal Security Image and Caption is an additional layer of protection to help us verify your identity, and help assure you that you are using the real WTDirect website.

A: You will be asked to choose one of thousands of images and create a brief description to correspond with the image you've chosen. When you log in to WTDirect, the image you've selected, your Personal Security Image, and the Caption you've created will appear before you enter your Password. If your Personal Security Image and Caption do not appear, DO NOT enter your Password.

With this new security feature, we can recognize computers that you typically use to log in to WTDirect. If you, or someone else, attempt to access your account from a new or unrecognized computer, you may be asked to answer a pre-set Security Question -- that only you know the answer to -- before you can continue.

A: DO NOT enter your Password if your Personal Security Image or Caption is not the one you selected. Contact us immediately at 1-800-WTDIRECT (1-800-983-4732). Similarly, if you can't remember your Security Question, contact us so we can help you select a new one.

A: Setting up these additional Security Questions enables us to add an additional layer of security. When you, or someone else, attempts to access your account from a new or unrecognized computer, or from a computer that you've previously used but asked us not to recognize in the future, we will present a Security Question that must be answered. By answering this Security Question correctly, we can be sure that it is not an unauthorized user attempting to access your account.

When establishing your Personal Security Image and Caption, you may choose to have us remember your computer and you will generally not have to answer a Security Question when logging in from that computer in the future. However, if you are establishing your Personal Security Image and Caption and/or attempting to access your account from a public computer or one that you do not typically use, or from a computer that you do not want us to recognize in the future, you should NOT choose the "Remember this computer" option. On rare occasions, we may ask you to answer a pre-set, personal Security Question as a security check before we display your Security Image and Caption, even if you're using a computer you have asked us to remember.

A: Yes, you can access your account from multiple computers. There is no limit to the number of computers you can use to access your account. If you log in from a new or unrecognized computer, you will be asked a Security Question before your Personal Security Image and Caption are displayed.

A: Yes, multiple accountholders can use the same computer to log in to their individual account. There is no limit on the number of individuals that can log in to our website from the same computer.

A: If you have deleted all cookies on your computer, our website may not recognize you as an authorized user and, therefore, ask you a pre-set personal Security Question. On rare occasions, we may ask you a pre-set personal Security Question as a security check, even if you're using a computer you have asked us to remember.

A: No. With this additional layer of protection, you will never be asked to enter your User ID and Password on the same screen. The sequence to verify your identity to WTDirect will always follow this pattern:
1. Enter User ID
2. Answer Security Question if asked
3. Confirm that displayed Security Image/Caption are correct
4. Enter Password

A: No. If your online account must be changed for any reason, a Client Care Representative will get in touch with you personally. WTDirect will never send an email that includes a link taking you directly to a page requesting personal information except for our home page. The Security Questions and Security Image/Caption are considered personal information and are treated as such.

A: All WTDirect clients may use WTDirect Mobile Banking free of charge (except for standard data or messaging rates that may be imposed by your mobile provider) provided they have set up their User ID, Password, and Security Questions on WTDirect.com. Your mobile device will automatically be routed to the WTDirect Mobile Website when you use it to visit www.WTDirect.com. Or you can type in m.WTDirect.com or www.WTDirect.mobi. If you prefer to view the full WTDirect.com website, click "Classic Home."

A: Once you've enrolled in online banking at WTDirect.com, you may access WTDirect Mobile Banking from any browser-enabled smartphone at m.WTDirect.com or www.WTDirect.mobi.

A: You can view account balances, transfer funds, view account history, and get our contact information.

A: Call us as soon as possible at 1-800-WTDIRECT (1-800-983-4732) so we can deactivate mobile banking. You should also call your cellular/mobile carrier to notify them that you may have lost your phone/device.

A: Call us at 1-800-WTDIRECT (1-800-983-4732) Monday through Friday 7am-11pm, Saturday 8am-1pm, and Sunday 5pm-11pm ET.

A: You can transfer funds between WTDirect and any external account that you have previously linked to your WTDirect account.

1. Log in to m.WTDirect.com or www.WTDirect.mobi and select "Transfers"
2. Choose your "Transfer From" account
3. Choose your "Transfer To" account
4. Enter the transfer amount and click "Next"
5. Confirm and click "Transfer"

If you would like to add a new linked account, please log in to WTDirect.com and "Add Account".

A: Yes, the mobile website uses the same safeguards as our online website. We use 128-bit SSL encryption technology to protect your information. For your own safety, we also require a User ID, Password, and a Security Image and Caption to view account information.