Capital One 2010 Annual Report Download - page 31

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● 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 us;
● increases or decreases in interest rates;
● our ability to access the capital markets at attractive rates and terms to capitalize and fund our operations and future growth;
● the success of our marketing efforts in attracting and retaining customers;
● increases or decreases in our 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 we
incur and attrition of loan balances;
● the level of future repurchase or indemnification requests we may receive, the actual future performance of mortgage loans
relating to such requests, the success rates of claimants against us, any developments in litigation and the actual recoveries we
may make on any collateral relating to claims against us;
● the amount and rate of deposit growth;
● changes in the reputation of or expectations regarding the financial services industry or us with respect to practices, products or
financial condition;
● any significant disruption in our operations or technology platform;
● our ability to maintain a compliance infrastructure suitable for our size and complexity;
● our ability to control costs;
● the amount of, and rate of growth in, our expenses as our business develops or changes or as it expands into new market areas;
● our ability to execute on our 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;
● our 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 our acquisitions may not be fully realized or may take longer to realize
than expected;
● disruptions from our acquisitions negatively impacting our ability to maintain relationships with customers, employees or
suppliers;
● fraud or misconduct by our customers, employees or business partners;
● competition from providers of products and services that compete with our businesses; and
● other risk factors listed from time to time in reports that we file with the SEC.
Any forward-looking statements made by us or on our behalf speak only as of the date they are made or as of the date indicated, and
we do not undertake any obligation to update forward-looking statements as a result of new information, future events or otherwise.
You should carefully consider the factors discussed above in evaluating these forward-looking statements. For additional information
on factors that could materially influence forward-looking statements included in this report, see the risk factors in “Item 1A. Risk
Factors” in this report.