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From the March 29, 2012 E*trade Retirement Day Webcast in Los Angeles.

PLEASE READ THE IMPORTANT DISCLOSURES BELOW.

Important Note: Options involve risk and are not suitable for all investors. For more information, please read the Characteristics and Risks of Standardized Options before you begin trading.

1. Seminars are provided to you for educational purposes only. The content has been written by and will be presented by third parties not affiliated with E*TRADE Financial Corporation or any of its affiliates. The information contained in the seminars has not been endorsed or approved by E*TRADE Financial Corporation or any if its affiliates and E*TRADE Financial Corporation and its affiliates are not responsible for the content. No information presented constitutes a recommendation by E*TRADE Financial or its affiliates to buy, sell or hold any security, financial product or instrument discussed therein or to engage in any specific investment strategy. The content neither is, nor should be construed as, an offer, or a solicitation of an offer, to buy, sell, or hold any securities by E*TRADE Financial Corporation or its affiliates. Neither E*TRADE Financial Corporation nor its affiliates offer or provide any opinion regarding the nature, potential, value, suitability or profitability of any particular investment or investment strategy, and you are fully responsible for any investment decisions you make. Such decisions should be based solely on your evaluation of your financial circumstances, investment objectives, risk tolerance and liquidity needs. Neither E*TRADE Financial Corporation nor any of its affiliates are affiliated with TheStreet or S&P.

2. The seminars provided by E*TRADE Securities are for educational purposes only. This information neither is, nor should be construed as, an offer, or a solicitation of an offer, to buy or sell securities by E*TRADE Securities. E*TRADE Securities does not offer or provide any opinion regarding the nature, potential, value, suitability or profitability of any particular investment or investment strategy, and you shall be fully responsible for any investment decisions you make, and such decisions will be based solely on your evaluation of your financial circumstances, investment objectives, risk tolerance, and liquidity needs.