Capital One 2011 Annual Report Download - page 297

Corporate Office
1680 Capital One Drive, McLean, VA 22102
[phone]
www.capitalone.com
Annual Meeting
Tuesday, May 8, 2012
10:00 a.m. Eastern Time
Capital One Headquarters
1680 Capital One Drive, McLean, VA 22102
Principal Investor Contact
Jeff Norris
Senior 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 $128.2 billion in deposits and $206.0 billion in total assets
outstanding as of December 31, 2011. 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 statement is not a guarantee of future performance and that actual results could differ
materially from those contained in the forward-looking statements as a result of various factors including, but not limited to: general economic and
business conditions in the U.S., the U.K., Canada, and 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); the
possibility that regulatory and other approvals and conditions to Capital One’s acquisition of HSBC’s U.S. credit card business (the “HSBC
Transaction”) are not obtained or satisfied on a timely basis or at all; the possibility that modifications to the terms of the HSBC Transaction may
be required in order to obtain or satisfy such approvals or conditions; the possibility that Capital One will not receive third-party consents necessary
to fully realize the anticipated benefits of the HSBC Transaction; the possibility that Capital One may not fully realize the projected cost savings and
other projected benefits of the HSBC Transaction or its acquisition of ING Direct (collectively, the “Transactions”); changes in the anticipated
timing for closing the HSBC Transaction; difficulties and delays in integrating the assets and businesses acquired in the Transactions; business
disruption during the pendency of or following the Transactions; diversion of management time on issues related to the Transactions, including
integration of the assets and businesses acquired; reputational risks and the reaction of customers and counterparties to the Transactions; disruptions
relating to the Transactions negatively impacting Capital One’s ability to maintain relationships with customers, employees, and suppliers; changes
in asset quality and credit risk as a result of the Transactions; the accuracy of estimates and assumptions Capital One uses to determine the fair
value of assets acquired and liabilities assumed in the Transactions, and the potential for its estimates or assumptions to change as additional
information becomes available and it completes the accounting analysis of the Transactions; financial, legal, regulatory, tax, or accounting changes
or actions, including the impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act and the regulations promulgated thereunder;
developments, changes, or actions relating to any litigation matter involving Capital One; the inability to sustain revenue and earnings growth;
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 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; fraud or misconduct by Capital One
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 SEC, including, but not limited to, the Annual Report on Form
10-K for the year ended December 31, 2011.
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 2012 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.