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CELEBRATE NATIONAL FRIENDSHIP DAY BY REFERRING A FRIEND, AND YOU'LL BOTH GET 50 BUCKS.

Dear Investor:

National Friendship Day is coming up on Sunday, August 3rd. Sadly, it's a holiday most people tend to overlook. So this year, we want to help our clients and their friends to celebrate National Friendship Day the right way - by profiting together.

Simply refer a friend to TradeKing using our Refer a Friend Dashboard between now and August 28th. As soon as your friend deposits $1,000 and executes a trade, we'll deposit $50 into both of your accounts. Keep in mind this isn't a one-friend deal, so you don't have to pick favorites. The more friends you refer, the more you and your friends will all profit.1

You might be wondering, "Is National Friendship Day a real holiday?" It sure is. In 1935, Congress declared the first Sunday in August National Friendship Day to honor the special meaning of friendship. And thanks to this promotion, the special meaning of your friendship will be $50 in everybody's TradeKing accounts. That sure beats flowers or a teddy bear, in our opinion.

So go to the TradeKing 'Refer a Friend' Dashboard now, and start celebrating National Friendship Day with all your pals.

(1) New qualifying account must be opened within the dates of 7-31-08 to 8-31-08. New referred client must fund their account with a minimum of $1,000 within 30 days of opening the new account. New referred client must also execute at least one trade in the new account within 180 days of the account opening. The minimum funds of $1,000 must remain in the account (minus any trading losses) for a minimum of 180 days or the credit may be surrendered. Account types that don't qualify include: traditional IRA, ROTH IRA, Rollover IRA, SEP IRA, Simple IRA, Solo 401K and Coverdell IRA. Click here for complete Payment Rules and Eligibility Requirements.

Hey all,

Just got this in the inbox this morning:

How would you like an easy way to earn up to $75—and help your friends earn money, too? Just tell them about Capital One's High Yield Money Market Account. For every new account that's opened, you'll get a $15 referral bonus, up to $75. And your friends will get a $25 bonus, along with great earnings on their savings.

High Yield Money Market Account features

- A competitive rate, currently a 5.00% Annual Percentage Yield (APY)1
- No fees, no minimum balance
- Free checks and an ATM card2
- Easy online transfers to and from existing accounts2

Thanks for letting your friends know about this great offer—and for being a valued Capital One® customer.

Please save this e-mail with your referral code, and give the code to every friend you refer. Offer expires November 30, 2007.

REFERRAL INSTRUCTIONS

1. Tell your friends about our High Yield Money Market Account

2. Give them this referral code: AM3PZF5DF
(They'll need this when they open an account)

3. Send your friends to open an account online at
- www.capitalonedirect.com/referafriend
or
- by calling 1-800-555-4904

4. Get a bonus for each new account: $15 for you, and $25 for your friends.

1You are eligible to be a Referring Customer in the Capital One Referral Program if you receive this offer from Capital One. You will receive a $15 bonus (up to $75) for every new money market account funded by a new customer using your promo code before November 30, 2007. Each Referred Customer will receive $25 bonus for funding a new account. Qualifying Referred Customers cannot have an existing Capital One Direct Banking account or be a member of a household with an existing account. Your Referral promo code must be included by the Referred Customer at the time of account opening in order for you both to receive bonuses. Both accounts must remain open throughout the offer period to receive this credit. The bonuses will be credited in the month following the Referred Customer funding the new account and will appear in that month's statement. Terms and conditions of this offer may change at any time. APY in effect as of August 14, 2007. Minimum deposit required to open the account is $1. No minimum balance required. Rates are variable and may change at any time. Withdrawal limits apply. This product is offered by Capital One, N.A. and Capital One Bank, members FDIC.