Capital One ® is a leader in the direct marketing of MasterCard ® and Visa ® credit cards, auto loans and other consumer financial services. With more than 47 million accounts, it has one of the world’s largest  financial services franchises. Through a proprietary information-based  strategy (IBS), the Company scientifically tests its ideas before taking them to market and customizes the terms of each account, delivering superior value to consumers and profitable growth for Capital One. Headquartered in McLean, Virginia, Capital One Financial Corporation is a holding company operating through three principal subsidiaries: Capital One Bank; Capital One, F.S.B.; and Capital One Auto Finance, Inc. Its common stock trades on the New York Stock Exchange ®  under the symbol COF. The company cautions that its current expectations for future earnings, future charge-off rates and other future performance measures are forward looking statements and actual results could differ materially from current expectations due to a number of factors, including: competition in the credit card industry; the actual account and balance growth achieved  by the company; the company’s ability to access the capital markets at attractive rates and terms to fund its operations and future growth; changes in regulation; and general economic conditions affecting consumer income and spending domestically and internationally, which may affect consumer bankruptcies, defaults and charge-offs. A discussion of these and other factors can be found in Capital One’s annual and other reports filed with the Securities and Exchange Commission, including, but not limited to, Capital One’s report on Form 10-K for the year ended December 31, 2002. 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 2003 Capital One Services, Inc.)