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PART IV
Item 15. Exhibits, Financial Statement Schedules and Reports on Form 8-K.
a) (1) The following consolidated financial statements of Capital One Financial Corporation, included in Item 8,
“Financial Statements and Supplementary Data”, are incorporated by reference hereto:
Consolidated Balance Sheets—as of December 31, 2005 and 2004
Consolidated Statements of Income—Years ended December 31, 2005, 2004 and 2003
Consolidated Statements of Changes in Stockholders’ Equity—Years ended December 2005, 2004 and 2003
Consolidated Statements of Cash Flows—Years ended December 31, 2005, 2004 and 2003
Notes to Consolidated Financial Statements
Report of Independent Auditors, Ernst & Young LLP
Selected Quarterly and Financial Data—as of and for the years ended December 31, 2005 and 2004
(2) All schedules are omitted since the required information is either not applicable, not deemed material, or is shown in
the respective financial statements or in notes thereto.
(3) Exhibits:
A list of the exhibits to this Form 10-K is set forth on the Exhibit Index immediately preceding such exhibits and is
incorporated herein by reference.
b) Reports on Form 8-K
On October 21, 2005, the Company filed under Item 2.02—“Results of Operations and Financial Condition”,
Item 7.01—“Regulation FD Disclosure”, Item 8.01—“Other Events”, and Item 9.01—“Financial Statements, Pro
Forma Financial Information and Exhibits” of Form 8-K, on Exhibit 99.1, a copy of its earnings press release for the
third quarter 2005 that was issued October 20, 2005. This release, which is required under Item 2.02, “Results of
Operations and Financial Condition,” has been included under Item 7.01 pursuant to interim reporting guidance
provided by the SEC. Additionally, the Company furnished the information in Exhibit 99.2, Third Quarter Earnings
Presentation for the quarter ended September 30, 2005.
On October 21, 2005, the Company furnished under Item 7.01—“Regulation FD Disclosure” and Item 9.01—
“Financial Statements, Pro Forma Financial Information and Exhibits” of Form 8-K on Exhibit 99.1 the Monthly
Charge-off and Delinquency Statistics—September 2005 for the month ended September 30, 2005.
On November 10, 2005, the Company furnished under Item 7.01—“Regulation FD Disclosure” and Item 9.01—
“Financial Statements, Pro Forma Financial Information and Exhibits” of Form 8-K on Exhibit 99.1 the Monthly
Charge-off and Delinquency Statistics—October 2005 for the month ended October 31, 2005.
On November 18, 2005, the Company filed under Item 2.01—“Completion of Acquisition or Disposition of
Assets”, Item 5.02 “Departure of Directors or Principal Officers; Election of Directors; Appointment of Principal
Officers” and Item 9.01—“Financial Statements, Pro Forma Financial Information and Exhibits” of Form 8-K on
Exhibit 2.1 the Agreement and Plan of Merger, dated as of March 6, 2005, between Capital One Financial
Corporation and Hibernia Corporation (incorporated by reference Capital One’ s Current Report on Form 8-K filed
on March 9, 2005), on Exhibit 2.2 the Amendment No. 1, dated as of September 6, 2005, to the Agreement and Plan
of Merger, dated as of March 6, 2005, by and between Capital One Financial Corporation and Hibernia Corporation
(incorporated by reference to Exhibit 2.1 of Capital One’ s Report on Form 8-K, filed September 8, 2005), on
Exhibit 99.1 a copy of its press release dated November 16, 2005 announcing the completion of the Merger and on
Exhibit 99.2 a copy of its press release dated November 16, 2005, announcing the appointment of E.R. Campbell to
the board of directors.
On November 23, 2005, the Company furnished under 7.01—“Regulation FD Disclosure” and Item 9.01—
“Financial Statements, Pro Forma Financial Information and Exhibits” of Form 8-K on Exhibit 99.1 a copy of its
press release dated November 22, 2005, which announced the merger consideration to be paid to former Hibernia
Corporation shareholders in connection with Capital One’ s acquisition of Hibernia Corporation based upon the final
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