Corporate Office 1680 Capital One Drive McLean, VA 22102 (703) 720-1000 www.capitalone.com Common Stock Listed on New York Stock Exchange Stock Symbol COF Member of S&P 500 Corporate Registrar/Transfer Agent EquiServe Trust Company, N.A. c/o EquiServe Share Holder Services P.O. Box 43010 Providence, RI 02940-3010 Facsimile: (201)222-4917 Tel: (800)446-2617 Hearing impaired: (781) 575-2692 E-mail: equiserve.com Internet: www.equiserve.com By Overnight Courier to: 150 Royall Street Canton, MA 02021 Annual Meeting Thursday, April 24, 2003, 10:00 a.m. Eastern Time Fairview Park Marriott Hotel 3111 Fairview Park Drive Falls Church, VA 22042 Principal Investor Contact Paul Paquin Vice President, Investor Relations Capital One Financial Corporation 1680 Capital One Drive McLean, VA 22102 (703) 720-1000 Independent Auditors Ernst & Young LLP Copies of Form 10-K filed with the Securities and Exchange Commission are available without charge, upon written request to Paul Paquin  at the above address. Steve Clifton Jennifer Schaeffer Tom Maher Lance Rodgers Katie Roussel Brent Nultemeier Matthew W. Smith Patty O’Toole Gary Herrmann Marketing Manager Financials Production Creative Director Art Director Designer Editor Copywriter Copywriter Designed and produced by the Direct Marketing Center of Capital One: Corporate Information