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Market volatility and volume may delay system access and trade executions. In addition,
there is a risk that system outages may interfere with your ability to access your online
account. If you experience difficulties, please contact client services 24 hours a day, 7
days a week (excluding market holidays). Past performance of a security does not guarantee
future results.

†Offer valid for new individual and joint accounts opened with $1,000 or more by
05/31/05. Not transferable and not valid for IRAs, internal transfers, current Ameritrade
clients, or with other offers. Qualified commission-free Internet equity orders must
execute within 30 days of account funding. Limit one offer per client. Account must remain
open with minimum funding for 9 months, or Ameritrade may charge the account for the cost
of the free trades used. Ameritrade reserves the right to restrict or revoke this offer.
This is not an offer or solicitation in any jurisdiction where we are not authorized to do
business. Normal account opening, or margin account, requirement is $2,000. Accounts open
more than 6 months with a value below $2,000 are subject to a $15 quarterly maintenance
fee. Accounts with at least four executed trades in the previous six months and
Beneficiary accounts are excluded from this fee.

*Ameritrade subscription fees apply to NASDAQ Level II access. Access to real-time market
data is subject to acceptance of the exchange agreements. Access differs for professional
users. Professional subscribers can access real-time services for the following monthly
fees: options quotes $32.25, NASDAQ Level I $20, NASDAQ Level II $50 (includes Level I
data), AMEX quotes $43.80, NYSE quotes $127.25 and Streaming News for $99. Ameritrade is
not responsible for the quality, accuracy and suitability of third-party financial or
investment information or services, including market data provided by the exchanges.

**Median trade time is derived from data provided by Market Systems, Inc., an unaffiliated
third party vendor and dated 4th quarter 2004. Data is limited to Ameritrade market and
marketable limit orders for at least 100 shares and up to 9,999 shares of NASDAQ National
Market and Listed securities executed from 9:45 a.m. ET until 4:00 p.m. ET. Data excludes
orders for OTCBB securities, options and any security trading in locked or crossed
markets. Data may be derived from orders as measured on the first partial fill, exclusive
of subsequent partial fills on the same order. Because market centers report execution
time in whole seconds, many Ameritrade orders, which are executed in a fraction of a
second, are calculated as taking zero seconds. Median is the middle value in a
distribution, above and below which lie an equal number of values. Please note that
"average" transaction time for certain types of orders or securities may vary
significantly from the median time.

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