Capital One 2005 Annual Report Download - page 95

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The Company sponsors a contributory Retirement Savings Plan in which substantially all former associates of Hibernia who
have completed one year of service are eligible to participate. The Company matches a portion of associate contributions with
the Company’ s common stock. Participants may elect to immediately transfer Company contributions received to any of the
plan’ s other investment options. Matching contributions to this plan by the Company amounted to $0.9 million for the year
nded December 31, 2005. e
O
ther Postretirement Benefits
The Company sponsors postretirement benefit plans to provide health care and life insurance to retired employees. Net
periodic postretirement benefit expense was $8.5 million, $6.7 million and $9.4 million in 2005, 2004 and 2003, respectively.
The liabilities recognized on the Consolidated Balance Sheets for the Company’ s defined postretirement benefit plan at
ecember 31, 2005 and 2004 were $42.0 million and $33.5 million, respectively. D
Note 13
Other Non-Interest Expense
Year Ended December 31
2005 2004 2003
Professional services $ 490,617
$ 415,169 $ 373,404
Collections 537,772
530,909 493,057
Fraud losses 53,744
55,981 49,176
Bankcard association assessments 136,318
122,934 107,493
Other 281,330
184,836 167,418
Total $ 1,499,781 $ 1,309,829 $ 1,190,548
86