What we do know is that we at Datek Online have been providing
uninterrupted service throughout this period. Our advanced
technology provides the tools that you need in times of high
volatility, and I sincerely hope that you found these tools helpful.
Our customer service representatives have been available 24 hours a
day, seven days a week, ready to help you with your questions and
concerns. Understandably, there has been an increase in the volume of
activity in customer service calls. We have noted the effect that this
increased volume has had on response times and are making every
effort to address the situation.

Aside from the volume and volatility in the market, we shouldn't lose
sight of other important issues.

I know, from personal experience, that the key to successful
investing is information and understanding. It is for this reason
that we sponsor SmartMoney University, which has been compiled by one
of the most respected industry publications, SmartMoney magazine, a
Dow Jones publication. SmartMoney University has many tools to help
put the dramatic events of the past weeks into perspective. There is
a wealth of information on topics like: time vs. risk, stock
valuations, and putting historic events in context.

We are committed to providing the highest quality services and
superior technology to our customers, making us a leader in online
investing. We will continue to improve our services, innovate new
technologies and increase our product offerings to better meet your
investing needs.

I thank you for your business.

Sincerely,

Ed Nicoll
Chairman and CEO
Datek Online Holdings Corp.
www.datek.com