Capital One 2004 Annual Report Download - page 23

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20
Capital One
Headquartered in McLean, Virginia, Capital One®Financial Corporation (www.capitalone.com) is a bank holding
company whose principal operating subsidiaries, Capital One Bank, Capital One, F.S.B. and Capital One Auto Finance,
Inc. offer a variety of consumer financial products. Capital One’s subsidiaries collectively had 48.6 million accounts and
$79.9 billion in managed loans outstanding as of December 31, 2004. Capital One is a FORTUNE®500 company and,
through it’s subsidiaries, is one of the largest providers of MasterCard®and Visa®credit cards in the world. Capital One
trades on the New York Stock Exchange®under the symbol “COF” and is included in the S&P 500SM index.
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: continued intense
competition from numerous providers of products and services which compete with the company’s businesses; changes in the company’s aggregate
accounts and balances, and the growth rate and composition thereof; the company’s ability to continue to diversify its assets; the company’s ability to
access the capital markets at attractive rates and terms to fund its operations and future growth; changes in the reputation of the credit card industry
and/or the company with respect to practices or products; the success of the company’s marketing efforts; the company’s ability to execute effective
tax planning strategies; the company’s ability to execute on its strategic and operating plans; 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, 2004.
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 2005 Capital One Services, Inc.