Capital One 2012 Annual Report Download - page 310

Corporate Office
1680 Capital One Drive, McLean, VA 22102
[phone]
www.capitalone.com
Annual Meeting
Thursday, May 2, 2013
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
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.
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 $212.5 billion in deposits and $312.9 billion in total assets outstanding as of December 31, 2012. Headquartered in McLean, Virginia, Capital One offers a broad
spectrum of financial products and services to consumers, small businesses and commercial clients through a variety of channels. Capital One, N.A., has more than 900
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.
Capital One 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 Capital One may not fully realize the projected cost savings and other projected benefits of Capital One’s acquisition
of HSBC’s U.S. credit card business or its acquisition of ING Direct (collectively, the “Transactions”); 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; 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, regulations governing bank capital and liquidity standards, including Basel-related initiatives and potential
changes to financial accounting and reporting standards; 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 the nature of its business; 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; any significant disruption of, or loss of public confidence in, the internet affecting the ability of Capital One’s customers to access their accounts and conduct
banking transactions; 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, 2012.
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 2013 Capital One Services, Inc.
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