EFTA02313873.pdf

"From: ING DIRECT Sent: Frida Jul 20 2012 9:04 PM To: Subject: Ready for a checking upgrade? Dear Sarah"

"ING DIRECT's emails always show your first name and the last three digits of your Customer Number. Customer Number:XXXXXXX993"

"ING Bank, fsb, and its subsidiaries including ShareBuilder Corporation, have been acquired by Capital One Financial Corporation"

"ING DIRECT1 South Orange Street Wilmington, DE 19801"