Capital One 2009 Annual Report Download - page 208

Corporate Office
1680 Capital One Drive
McLean, VA 22102
[phone]
www.capitalone.com
Annual Meeting
Thursday, April 29, 2010
10:00 a.m. Eastern Time
Capital One Headquarters
1680 Capital One Drive
McLean, VA 22102
Principal Investor Contact
Jeff Norris
Managing Vice President,
Investor Relations
Capital One Financial Corporation
1680 Capital One Drive
McLean, VA 22102
[phone]
Common Stock
Listed on New York Stock Exchange®
Stock Symbol COF
Member of S&P 500®
Corporate Registrar/Transfer Agent
Computershare Investor Services
P.O. Box 43078
Providence, RI 02940-3078
Tel: [phone]
Outside the U.S., Canada, &
Puerto Rico: [phone]
Hearing impaired: [phone]
Email: [email protected]
Internet: www.computershare.com
By Overnight Courier to:
Computershare Investor Services
250 Royall Street
Canton, MA 02021
Independent Auditors
Ernst & Young LLP
CORPORATE INFORMATION
ABOUT CAPITAL ONE
Copies of Form 10-K filed with the Securities and Exchange Commission are available without charge at www.capitalone.com.
The most recent certifications by our Chief Executive Officer and Chief Financial Officer pursuant to Section 302 of the
Sarbanes-Oxley Act of 2002 are filed as exhibits to the Form 10-K. We have also filed with the New York Stock Exchange® the most
recent Annual CEO Certification as required by Section 303A.12(a) of the New York Stock Exchange Listed Company Manual.
Capital One Financial Corporation (www.capitalone.com) is a financial holding company whose subsidiaries,
which include Capital One, N.A. and Capital One Bank (USA), N.A., had $115.8 billion in deposits and $212
billion in total managed assets outstanding as of December 31, 2009. Headquartered in McLean, VA,
Capital One offers a broad spectrum of financial products and services to consumers, small businesses and
commercial clients. Capital One, N.A. has approximately 1,000 branch locations primarily in New York, New
Jersey, Texas, Louisiana, Maryland, Virginia, and the District of Columbia. A Fortune 500® company, Capital One
trades on the New York Stock Exchange under the symbol “COF” and is included in the S&P 100® index.
The company cautions that any forward-looking information is not a guarantee of future performance and that actual
results could differ materially from current expectations due to a number of factors, including: general economic and
business conditions in the U.S., the UK, or Capital One’s local markets, including conditions affecting employment
levels, interest rates, consumer income and confidence, spending and savings that may affect consumer bankruptcies,
defaults, charge-offs and deposit activity; an increase or decrease in credit losses (including increases due to a worsening
of general economic conditions in the credit environment); financial, legal, regulatory, tax or accounting changes or
actions, including with respect to any litigation matter involving Capital One; increases or decreases in interest rates;
the success of Capital One’s marketing efforts in attracting and retaining customers; the ability of Capital One to continue
to securitize its credit cards and consumer loans and to otherwise access the capital markets at attractive rates and
terms to capitalize and fund its operations and future growth; with respect to financial and other products, increases or
decreases in Capital One’s aggregate loan balances and/or the number of customers and the growth rate and composition
thereof, including increases or decreases resulting from factors such as shifting product mix, amount of actual marketing
expenses made by Capital One and attrition of loan balances; the amount and rate of deposit growth; Capital One’s
ability to control costs; changes in the reputation of or expectations regarding the financial services industry and/or
Capital One with respect to practices, products or financial condition; any significant disruption in Capital One’s
operations or technology platform; Capital One’s ability to maintain a compliance infrastructure suitable for its size and
complexity; the amount of, and rate of growth in, Capital One’s expenses as Capital One’s business develops or
changes or as it expands into new market areas; Capital One’s ability to execute on its strategic and operational plans;
any significant disruption of, or loss of public confidence in, the United States Mail service affecting our response rates
and consumer payments; Capital One’s ability to recruit and retain experienced personnel to assist in the management
and operations of new products and services; changes in the labor and employment market; the risk that cost savings
and any other synergies from Capital One’s acquisitions may not be fully realized or may take longer to realize than
expected; disruption from Capital One’s acquisitions negatively impacting Capital One’s ability to maintain relationships
with customers, employees or suppliers; competition from providers of products and services that compete with
Capital One’s businesses; and other factors listed from time to time in reports that Capital One files with the Securities
and Exchange Commission (the “SEC”), including, but not limited to, factors set forth under the caption “Risk Factors”
in its Annual Report on Form 10-K for the year ended December 31, 2008, and its Quarterly Reports on Form 10-Q for
the quarters ended March 31, 2009, June 30, 2009 and September 30, 2009.
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 2010 Capital One Services, Inc.