Capital One 2015 Annual Report Download - page 252

Corporate Office
1680 Capital One Drive, McLean, VA 22102
Tel: [phone]
www.capitalone.com
Annual Meeting
Thursday, May 5, 2016
10:00 a.m. Eastern Time
Capital One Headquarters
1680 Capital One Drive, McLean, VA 22102
Principal Investor Contact
Jeff Norris
Senior Vice President,
Global Finance
Capital One Financial Corporation
1680 Capital One Drive, McLean, VA 22102
Tel: [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
Tel: [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 $217.7 billion in deposits and $334.0 billion in total assets as of December 31, 2015. 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 branches located 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,
or Capital One’s local markets, including conditions affecting employment levels, interest rates, collateral values, consumer income, credit worthiness 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), including the impact of inaccurate estimates or inadequate reserves; financial, legal,
regulatory, tax, or accounting changes or actions, including the impact of the Dodd-Frank Act and the regulations promulgated thereunder, and other regulatory reforms
and 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, governmental investigation, or regulatory enforcement action or 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 Capital One’s 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 Capital One; 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; changes in
retail distribution strategies and channels, including in the behavior and expectations of Capital One’s customers; any significant disruption in Capital One’s operations or
technology platform, including security failures or breaches on Capital One’s business; Capital One’s ability to maintain a compliance and technology infrastructure suitable
for the nature of Capital One’s business; Capital One’s ability to develop digital technology that addresses the needs of Capital One’s customers, including the challenges
relating to rapid significant technological changes; Capital One’s ability to control costs; the effectiveness of Capital One’s risk management strategies; the amount of, and
rate of growth in, Capital One’s expenses as Capital One’s business develops or changes or as it expands into new market areas; Capital One’s ability to execute on Capital
One’s 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 talented and experienced personnel to assist in the development, management, and operation of
new products and services; changes in the labor and employment markets; 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
SEC, including, but not limited to, the Annual Report on Form 10-K for the year ended December 31, 2015.
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 2016 Capital One Services, Inc.
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