Capital One 2010 Annual Report Download - page 225

Corporate Office
1680 Capital One Drive
McLean, VA 22102
[phone]
www.capitalone.com
Annual Meeting
Wednesday, May 11, 2011
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
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 $122.2 billion in deposits and $197.5
billion in total assets outstanding as of December 31, 2010. Headquartered in McLean, Virginia, 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 readers that any forward-looking information is not a guarantee of future performance and that
actual results could differ materially from those contained in the forward-looking information as a result of various factors
including, but not limited to, the following: general economic and business conditions in the U.S., the U.K., Canada, 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 the impact of the
Dodd-Frank Act and the regulations promulgated thereunder; developments, changes, or actions relating to any litigation
matter involving Capital One; increases or decreases in interest rates; Capital One’s ability to access the capital markets
at attractive rates and terms to capitalize and fund its operations and future growth; the success of Capital One’s marketing
efforts in attracting and retaining customers; increases or decreases in Capital One’s aggregate loan balances 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 Capital One incurs, and attrition of loan balances; the level
of future repurchase or indemnification requests Capital One may receive, the actual future performance of mortgage
loans relating to such requests, the success rates of claimants against Capital One, any developments in litigation, and
the actual recoveries Capital One may make on any collateral relating to claims against it; the amount and rate of
deposit growth; changes in the reputation of or expectations regarding the financial services industry 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; Capital One’s
ability to control costs; the amount of, and rate of growth in, Capital One’s expenses as its 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 Capital One’s 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 markets; 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; disruptions from Capital One’s acquisitions negatively impacting its ability to maintain relationships with
customers, employees, or suppliers; fraud or misconduct by Capital One’s customers, employees, or business partners;
competition from providers of products and services that compete with Capital One’s businesses; and other risk 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, the Annual Report on Form 10-K for the year ended December 31, 2010.
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 2011 Capital One Services, Inc.
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.