Capital One 2013 Annual Report Download - page 39

• 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 the nature of our business;
• 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;
• any significant disruption of, or loss of public confidence in, the internet affecting the ability of our
customers to access their accounts and conduct banking transactions;
• 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;
• 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 set forth under “Part I—Item 1A. Risk Factors” in
this Annual Report on Form 10-K.
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