I saw that 10% and up came the red flags. When I saw it was 10% of the interest earned, well, then I just laughed. Say I invest $1000 at 1.35% Over a year I would earn $13.50, right? So I would get an extra 10%, which is $1.35 That gives 13.50+1.35=14.85 on $1000 or an effective rate of 1.485% Given the hassles of the ad's requirements, I'm sure I could do at least as well elsewhere without that. Even if not, is $1.35 extra per year--an extra 2-1/2 cents per week (ignoring the $10K part) really enough incentive for me to invest with them?