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[10] On July 21, 1994, Signet Financial Corp announced the corporate spin-off of Signet Financial, at first naming it OakStone Financial with Fairbank as CEO and Morris as COO. [11] [12] [13] After the initial public offering, the new company was renamed Capital One in October 1994 [8] [14] [15] and the spin-off was completed in February 1995.