Capital One 2002 Annual Report Download - page 3

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Capital One®is a leader in the direct marketing of MasterCard®
and Visa®credit cards, auto loans and other consumer financial services.
With more than 47 million accounts, it has one of the world’s largest
financial services franchises. Through a proprietary information-based
strategy (IBS), the Company scientifically tests its ideas before taking them
to market and customizes the terms of each account, delivering superior
value to consumers and profitable growth for Capital One. Headquartered in
McLean, Virginia, Capital One Financial Corporation is a holding company
operating through three principal subsidiaries: Capital One Bank; Capital
One, F.S.B.; and Capital One Auto Finance, Inc. Its common stock trades on
the New York Stock Exchange® under the symbol COF.
All Capital One service marks are owned by Capital One. All rights reserved.
All third party trademarks used herein are owned by the respective entity. All rights reserved.
(© Copyright 2003 Capital One Services, Inc.)
The company cautions that its current expectations for future earnings, future charge-off rates
and other future performance measures are forward looking statements and actual results could
differ materially from current expectations due to a number of factors, including:
competition in the credit card industry; the actual account and balance growth achieved
by the company; the company’s ability to access the capital markets at attractive rates and
terms to fund its operations and future growth; changes in regulation; and general economic
conditions affecting consumer income and spending domestically and internationally, which
may affect consumer bankruptcies, defaults and charge-offs. A discussion of these and other
factors can be found in Capital One’s annual and other reports filed with the Securities and
Exchange Commission, including, but not limited to, Capital One’s report on Form 10-K for
the year ended December 31, 2002.