HI 123nwnj, thanks for your insight. I'm new to this site, but long time reader. Hope you understand. I been going to AMP's for the last 10 years and they been very good to me. I moved to Central jersey and I came across this ad, i contacted her , she told me there's a deposit fee. I'm seeking others expertise with this sort of thing. I hope i didn't upset anybody or the moderator, Have a blessed day everyone.