she puts 5 dollars into her play accoun and she sets a coal goal and she most deposited money for sixcutive months. >> so ther is an incentive to make those deposits. >> every time they make a deposit they get a raffle ticket. the prize is a laptop. >> all of this while earning a 3% interest rate on their ney, more than most conventional banks offer today. >> this is locate in san francio's mission district. the play program uses the same model developed by harvard universi. it teaches low income families how to save money. the concepof using kids is unique to san frcisco. >> one in two latinos -- >> they hope these kids will encourage their parents to open their own accounts and stop using check cashing places and pay day lender maria was an adult when he stirs stepped into a u.s. bank. >> it was out in california. >> he is only ten and he is saving up for an ipad. >> for example, i'm pumped and excited like a hurricane. >> one of the teenagers in the program dresses up like the interest fairy to motiva kids. little ones listen and more respective respective to their peers? >> they l