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��: Thu, 14 Nov 2002 15:39:38 -0500
���D: $25 Bonus+APY %2.25+No Fee No Minimums - ING Bank Saving Acct
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�ӷ�: <[email protected]>:23367, ip-185-21.extranet.wpi.net
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Open an ING Bank Saving Acct, Get $25 Bonus and APY %2.25 and more...

You can't get the bonus if you open the account yourself without reference.
If you want to open an account with $25 bonus, please drop me an email
([email protected]).  I would forward you the reference code.


http://www.ingdirect.com

The Orange Savings Account...

 a.. Pays a Variable Rate of 2.25% APY
 b.. No Fees
 c.. No Minimums
 d.. FDIC Insured
 e.. Bonus For Opening Your Account

The Orange Savings Account from ING DIRECT offers an extraordinary 2.25%
Annual Percentage Yield with no minimum balance requirement and no annual
fees! And the 2.25% APY is NOT an introductory rate. It has been in effect
since 11/07/02. Although interest rates can change, we promise that you will
always earn a premium yield with the Orange Savings Account.

There's No Catch...

If you're like most people, you're probably asking who is ING DIRECT. ING
DIRECT is the operating name of ING Bank, fsb (Member FDIC), a federally
chartered savings bank, and part of ING (NYSE: ING), the eleventh largest
financial institution in the world with more than $600 billion in assets.
ING has been operating in the U.S. for over 100 years, with more than 11,000
employees working for ING companies.

Save More...

At ING DIRECT, we have one goal: we want to save you money. We can offer
such a high rate without ever charging fees or requiring minimum balances
because we've eliminated many expenses that other banks have, like managing
and maintaining branches. We do business by Internet or telephone. That
saves us money, and we pass the savings on to you.

It's Convenient And You Don't Need To Change Banks...

To make deposits or withdrawals, money is electronically transferred between
your Orange Savings Account and the personal checking account you use to
make your initial deposit. We handle it all - you don't need to make special
arrangements, and you don't have to change banks! You can complete
transactions 24 hours a day, 7 days a week on ingdirect.com or by using our
Interactive Phone Service. If you'd prefer, you can speak with an ING DIRECT
associate, 7 days a week from 7 AM to 11 PM EST. Go to ingdirect.com or call
1-800-ING-DIRECT to learn more about ING DIRECT and our great rates.

Earn a Bonus For Opening Your Orange Savings Account Today!

If you open your account online by clicking on the link below, we'll credit
your new account with a $25 Thank You bonus. Your account must be opened and
funded by 12/14/2002. This offer has been prepared especially for you so YOU
MUST USE THIS LINK to earn the bonus.

ING DIRECT is part of one of the world's largest integrated financial
services organizations, ING.

ING operates in 65 countries, with over 100,000 employees and $600 billion
in assets. ING has had a substantial presence in America for over 100 years.
In fact, there are currently over 11,000 employees in the U.S. working for
ING companies like ING Funds, ING Reliastar, ING Security Life and ING
Equitable Life of Iowa. ING is listed on the New York Stock Exchange (NYSE:
ING).

ING DIRECT USA is one of seven direct banks operated globally by ING; the
other locations are Canada, Australia, France, Spain, Italy and Germany
(where ING DIRECT is known as DiBa), with a total worldwide customer base of
four million (including U.S. customers). ING DIRECT arrived in the U.S. with
a greater-value alternative to conventional banking. Based in Wilmington,
Delaware, ING DIRECT (the operating name of ING Bank, fsb) delivers core
products that include a high interest savings account and a low interest
home equity line of credit. The Orange Savings AccountT has no fees or
minimums, and offers the same rate for everyone - no matter where you live,
what you earn, or how much you have in your account. We offer great deals on
simple financial products for everyone.

We can do this because we don't have the overhead other large banks do, like
managing and maintaining a network of "brick and mortar" branches. And we
concentrate on what we do best, like savings and loan accounts. All this
saves us money, and we pass those savings on to you.

This is the way banking should be. This is ING DIRECT, SIMPLY ORANGE.


     High interest, no fees, no service charges, no kidding.
     With an Orange Savings Account, you earn a variable 2.25% Annual
Percentage Yield (effective 11/07/02 ) on savings every day, with a level of
flexibility, freedom, and security you simply won't find at other banks. And
because your account is FDIC insured, your account is always secure.

     No required minimum balances... ever.
     There is no minimum balance required to open your Orange Savings
Account, and you don't have to keep a specific balance in your account to
qualify for a high interest rate. No matter how much you have on deposit,
the rate is still 2.25% APY.



     No fees. No service charges. No penalties. No hidden costs.
     ING DIRECT's Orange Savings Account won't burden you with fees or
service charges. Period. So you earn high interest on every penny you
deposit.

     24-hour access to your funds, and you don't even have to change banks.
     An Orange Savings Account makes your money available to you whenever
you need it. When you open your account, it is automatically linked to your
current checking account used for your initial deposit. You can make
deposits or withdraw funds by transferring money online, through our
Interactive Phone Service, or by speaking with an ING DIRECT Sales
Associate.

     Pay Yourself First!
     The Automatic Savings Plan allows you to automatically have a fixed
amount of money regularly transferred to your high interest Orange Savings
from your linked checking account. You will be saving your money
effortlessly and will have money for a rainy day or to achieve your dreams.
You can either call us or set up your Automatic Savings Plan on this
website. You specify how much money you would like transferred, and how
often you would like it moved. This is the simple, easy way to really grow
your Orange Savings Account.

     Start making more money on your savings right now.


The Federal Reserve slashed the Fed Funds rate last week by a
half-percentage point, to 1.25%. This means that the overall cost of
short-term loans between banks is the lowest since 1959. No bank needs to
pay more than that to have adequate funding.

If you think 2.25% APY with no fees is unacceptable - a full 1% percent
higher than the Fed Funds rate - here are some credit union rates in my area
(banks are paying even less):

Seattle Telco Credit Union, 1.0% APY
http://www.stelco.org/frm_rs_rts.htm

Washington State Employees Credit Union, 1.76% APY
http://www.wastatecu.org/services_rates_branches.htm

Washington Credit Union, 1.51% APY
http://www.washingtoncu.org/products/rates/depositrates.cfm

King County Credit Union,1.51% APY
http://www.kccu.com/products/deprates.cfm

Group Health Credit Union, tiered rates between 1.80% and 2.00% APY
http://www.ghcu.org/prodserv/Sav_Rates.html#PSA

Boeing Employees Credit Union, 2.02% APY
http://www.becu.org/default.asp?pid=chkdepositratesandfees

All rates are subject to change without notice.