Thanks to xpguy and chokaay for the following:

NEW! WaMu Free Checking(TM)

For convenience, value and customer rewards, look no further than the new WaMu Free Checking(TM) account. It's everything you'd expect and more.

- FREE Checks for Life
- FREE ATM Cash Withdrawls
- FREE Gold Debit MasterCard(R) with Rewards
- FREE Overdraft or Non-Sufficient Funds Fee Refund -- one per year
- FREE e-Alerts for low balances, large dollar withdrawls and overdraft/non-sufficient funds notifications
- FREE Outgoing Wire Transfers - international or domestic

With your WaMu Free Checking(TM) account, you can also take advantage of FREE ID Theft Services and FREE Personal Online Banking with FREE Personal Bill Pay(R) service.

See back for details and get more with your checking!

(back)

Benefits are not offered on Free Checking accounts opened before 3/11/06. Minimum balance to open is $1; online $100.

Select check styles available and must be ordered through Washington Mutual.

ATM operator may charge non-refundable fee.

Reward paid to account on anniversary date and equals $.03 for each Gold Debit MasterCard(R) purchase transaction made within the last year up to a total reward of $250.

Free e-Alerts require enrollment in Personal Online Banking.

Non-refundable foreign currency exchange and intermediary and beneficiary bank fees may apply to wire transfers.

Deposits and Washington Mutual are FDIC insured.

WaMU Free Checking Account - Terms and Conditions

The benefits described in this document are not available with Free Checking accounts opened prior to March 11, 2006.

Rate Information:
This is a non-interest bearing account.

Minimum Balance Requirements:
Except as noted below, the minimum deposit to open this account is the amount of any check printing charges. If no check printing charges will be assessed, the minimum opening deposit is $1.00. The minimum deposit to open this account when you apply through our Internet site is set forth in the Statement of Fees applicable to your account.

Limitations:
This account is intended for personal, family or household purposes and cannot be used for business/commercial uses. If this account is being used for business/commercial purposes, we reserve the right to change the account to a business checking type account.

Special Features:
The following benefits are included with the WaMu Free Checking account at no charge(or will be charged and refunded as noted below):
1) Select check styles, as determinded by us from time to time at our discretion, when ordered through Washington Mutual (other styles available at regular prices)

2) Domestic and foreign outgoing wire transfers - limited to the Wire Transfer fee normally assessed by Washington Mutual ("the Bank") for domestic and foreign outgoing wire transfers. Intermediary and beneficiary banks may also assess a fee, which will not be waived nor paid by us. The Bank sets foreign currency exchange rates at its discretion and such may be greater than the rate charged to the Bank.

3) Domestic and Internationl ATM withdraws - limited to ATM Transaction fees normally assessed by Washington Mutual for using Domestic or International non-Washington Mutual ATM for a cash withdraw transaction. For international transactions, the exchange rate between the transaction currency and U.S. currency is selected by the processor of the transaction and increased by a set amount or percentage of the transaction determinded by the processor. A foreign transaction and currency exchange fees and surcharges will not be reimbursed by us.

4) One (1) Overdraft Charge or Non-Sufficient Funds Charge per Anniversary Year (see "Anniversary Year/Anniversary Date" below). The refund or waiver does not apply to the Overdraft Transfer Fee or Overdraft Advance Fee, or any finance charges incurred in connection with any line of credit. Any refunded or waived fee will not count toward the five (5) per day charge limit set forth in the Statement of Fees. If this benefit is not used in one year, it may be carried over into a subsquent Anniversary Year. The refund or waiver is not available if the account is no longer a WaMU Free Checking account or if this account is closed by you or us, for any reason (including fraud against the account), even if another account of the same type is established. We may, but are not required to, offer this benefit if any account holder or signer has, or has had within the last year as of the account opening date, another WaMU Free Checking account.

5) A Washington Mutual Gold Debit Mastercard;

6) On your Anniversary Date, you will earn and receive a reward, based on the conditions set forth below:

* Your WaMu Free Checking account is linked as the primary account to your consumer ATM or Gold Debit Mastercard; if your WaMu Free Checking account is linked as the primary account to any other type of card, at our option, we may but are not required to, allow you to participate in this account benefit.

*$0.03 will accumulate for each of the follow types of transactions initiated and processed using your elgible Card:

*Point of Sale (POS) purchase transactions, with or without Cash Back, using a Personal Identification Number (PIN);

*Signature-based POS POS purchase transactions;

*Recurring payment transactions with external merchants; and

*Online, mail order, and telephone POS purchase transactions.

NOTE: without limiting the foregoing, ATM transactions do no qualify for this benefit.

*The maximum amount which may accumulate (accrue) is $250.00 per WaMu Free Checking account per Anniversary Year, with no carryover.

*The amount accumulated (accrued) as set forth above will be earned if your WaMu Free Checking account is open and in good standing on the Anniversary Date of the account opening (see "Anniversary Year/Anniversary Date" below).

*When earned, the amount will be rewarded and paid via direct deposit to the WaMu Free Checking account, on the checking account's Anniversary Date (or the following Business Day if the Anniversary Date falls on a non-Business Day).