----------------------------------------------------------- MARK TWAIN BANK (Member FDIC) ANNOUNCES NEW CONSUMER FEE STRUCTURE FOR ECASH See all the information at: www.marktwain.com or email us at: Ecash-info@marktwain.com Mark Twain Bank is rolling back consumer Ecash fees in reaction to the tremendous positive response to Ecash. "Because of the level of interest we have elected to reward users for their acceptance of Ecash," said Frank Trotter, Mark Twain Ecash project director. "Ecash represents the future of money and we want to make it available to all Internet users." Ecash enables you to control your money and your privacy while doing business on the Internet. The Ecash software is available free of charge when you sign up for an account. Once your application has been approved you can download the software directly from the Internet and start using Ecash right away! WORLD CURRENCY ACCESS ACCOUNTS ARE INSURED BY THE FDIC. AMOUNTS HELD IN THE ECASH MINT OF ON YOUR HARD DRIVE ARE NOT INSURED BY THE FIDC. NEW FEES FOR CONSUMERS ----------------------- There is no charge for movement of money within the Ecash system! Once the money is in Ecash you can do as many transactions as you like and it won't cost you anything more! There is only a charge to move money back and forth between your WorldCurrency Access account and the Ecash system (much like an ATM fee). Depending on the Schedule you select, and the balances you keep, there may be no monthly fee for your WorldCurrency Access account or for money movements between your WorldCurrency Access account and the Ecash Mint! That means a no monthly fee account is within your reach! -------------------------------------------------------- Remember that you can also earn interest by maintaining a balance over $2,500 in an interest bearing WorldCurrency Access account. $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ SCHEDULE OF CHARGES You choose the option that suits you best: Schedule 1 Schedule 2 Schedule 3 ========================================================== Ecash Account Opening Fee $11.00 $25.00 $25.00 Monthly Fee: 1.00 2.00 5.00 Number of included monthly transfers in to Mint: 1 2 5 (any dollar amount!) Cost of transactions within Ecash system: Zero Zero Zero Average balance in WorldCurrency Access to waive Monthly Fee: $500 $750 $1,500 Cost per additional transfer to Mint: 3.00 2.00 1.00 Move money out of Mint: 5.00% 4.50% 4.00% (percent of balance transferred) Additional transfers to Mint and fees to move money out of Mint apply at all balance levels. ================================================= Explanation of fees: There are several types of fees that are designed to be easy to understand, and low where you want them to be low. 1) Ecash Account Opening fee - this covers the processing involved in setting up an account. 2) Monthly Maintenance Fee - low if you are an infrequent user - higher if you want to reduce your overall cost. The monthly fee covers the scheduled number of transfers to the Ecash system from your WorldCurrency Access Account, and each schedule type receive a different charge for transfers from the Ecash system Back to the WorldCurrency Access account. 3) Additional transfer fee - cost per additional transfer per month to the Ecash system from your WorldCurrency Access account- if you just do one large one per month then you may never need this. 4) Move money out of Mint - when you want to move your money from the Ecash system to your WorldCurrency Access account. To make this cost effective to you there is no minimum charge per transfer charge, only a charge based on a percentage of the balance transferred! 5) Average Balance in WorldCurrency Access to waive Monthly Fee: If you maintain this amount as an average daily balance for the entire interest payment period, the monthly fee will be waived. Additional transfer fees and "Move money out of Mint" fees will continue to apply and can result in a charge. Contact: Mark Twain Bank Frank O. Trotter, III Vice President Capital Markets Group Director International Markets Division ftrotter@marktwain.com Phone: +314-997-9213 Fax: +314-569-4906 ===========================================================