We continue to ask “What’s in your wallet?” And the answer keeps getting better. Capital One is now in a league with the best-known brands in financial services.  We’ve always offered the most innovative products, the best prices and hassle-free service, but Capital One  wasn’t a household name until we started marketing our brand with the same energy we put into marketing  credit cards and loans. Now 96% of Americans know who we are. In 2002 we reached 95% of American households an average of 70 times with our award-winning “What’s in your wallet?” SM ads, which air during top-rated TV series and high-profile events, including college football games. We also became the sole title sponsor of the former Capital One Florida Citrus Bowl, which is now the Capital One Bowl. SM We have positioned Capital One as a maverick brand for smart consumers looking for great value, a strategy that supports our growth and gives the brand a cachet with consumers in all credit and income brackets.  There’s more than advertising behind the success of Capital One’s brand building. Consumers trust the brand because they know it’s backed by first-rate products and performance. We promise great prices and great service, and we deliver. Our “No-Hassle” SM credit cards and loans are truly hassle-free. We see every interaction with  consumers as an opportunity to build the brand, and through millions of encounters each day, we continue to show that Capital One is a company that really does put customers first. A powerful brand is a powerful competitive advantage. It differentiates Capital One from hundreds of look-alike MasterCard and Visa issuers. It wins customers and keeps them. It’s a great asset as we continue our diversification beyond credit cards. It helps us form mutually profitable alliances with leading companies in other industries. And it draws top-flight talent to Capital One. 9