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Frequently Asked Questions

Frequently Asked Questions

For your convenience, we have set out below answers to a number of questions frequently asked by our stockholders. Most of the information set out below has been extracted from publicly available information, including Capital One's Registration Statement on Form S-4 that included a joint proxy statement of Capital One and Hibernia that also constitutes a prospectus of Capital One. Capital One and Hibernia mail ed the Proxy Statement/Prospectus to their respective stockholders on or about October 1, 2005. These FAQ's do not purport to be complete and should be read in conjunction with the Proxy Statement/Prospectus and other related documents. You may obtain a free copy of the Proxy Statement/Prospectus and other related documents filed by Capital One and Hibernia with the SEC at the SEC's website at http://www.sec.gov. The Proxy Statement/Prospectus and the other related documents may also be obtained for free by accessing Capital One's website at http://www.capitalone.com under the heading “Investors” and then under the heading “SEC & Regulatory Filings”.

GENERAL FAQS

How can I purchase shares in Capital One?

If you would like to purchase stock in Capital One, contact your stockbroker. If you are already a shareholder, you may purchase additional shares through monthly optional cash investments. There are certain restrictions, like a monthly minimum of $50 and a maximum of $10,000, so please read the prospectus for full details. The prospectus is available from our transfer agent, Computershare Trust Company, N.A. You may contact them by writing or phoning:

 

Computershare Trust Company, N.A.
PO Box 43069
Providence, RI 02940-3069
1-888-985-2057
When did Capital One first become a public company?
On November 16, 1994, the Company completed its initial public offering of 11.5 percent of its common stock outstanding. On February 28, 1995, Signet's remaining shares of Capital One were distributed to its shareholders.
What was the price of Capital One’s initial public offering?
The offering price was $16 a share ($5.33 split-adjusted).
How can I determine the cost basis for Capital One Stock that I got as a result of the spin-off from Signet Bank?

Not only do you need to determine the cost basis for the Capital One Common Stock that you received, you also need to determine a new cost basis for your Signet Common Stock, which changed as a result of the Capital One distribution.

For every share of Signet Common Stock that you held at the time of the distribution, you received one share of Capital One Common Stock. The cost basis for tax purposes for your Capital One Common Stock is 49.31 percent of the price that you paid (adjusted for any stock splits) for each share of the Signet Common Stock that you held at the time of the Capital One distribution. The cost basis for tax purposes for your Signet Common Stock is 50.69 percent of the price that you paid (adjusted for stock splits) for each share of the Signet Common Stock that you held at the time of the Capital One distribution. Your holding time for your Capital One Common Stock will include the holding period for your Signet Common Stock.

On what stock exchanges are Capital One’s shares traded and what is the ticker symbol?
The Company’s Common Stock is traded on the New York Stock Exchange with the symbol COF.
Has Capital One ever had a stock split?
Yes. On April 30, 1999, Capital One announced a three-for-one stock split. The stock split was in the form of a 200 percent stock distribution, or two-share stock dividend, distributed on June 1, 1999 to shareholders of record as of May 20, 1999.
Has Capital One issued Preferred Stock?
Yes. Please refer to regulatory filings for specific issuance information
Does the Company pay a dividend?
Yes. The Company has paid a quarterly dividend since its inception in 1994.
Does Capital One have a Dividend Reinvestment Plan?
Capital One instituted its Dividend Reinvestment and Stock Purchase plan in January 1996. The prospectus is available from our registrar/transfer agent, at the address shown above.
Whom do I call if I need to transfer my stock certificates or change my address?
Computershare Trust Company, N.A. is Capital One's stock registrar/transfer agent. They are responsible for maintaining all records of stockholders (including change of address, telephone number, and name), canceling or issuing stock certificates, resolving problems related to lost, stolen, or destroyed certificates, and distributing Form 1099-Dividends. You can contact Computershare Trust Company, N.A. online at www.computershare.com or write or phone them as shown above.
How can I receive an Annual Report, form 10-K, and a proxy statement?
Please refer to the Annual Report section, the Financials section, and the 2002 Proxy section of the site. For a printed version, please send your request via e-mail to the Capital One Investor Relations group at Investor.Relations@CapitalOne.com.
When and where is the Annual Stockholder's Meeting?
The 2017 Annual Stockholder Meeting will be held on May 4th at 10:00 am at our corporate headquarters located in Mclean, Virginia.
How can I submit a complaint regarding accounting, internal accounting controls or auditing matters?
If you have any questions relating to the Code of Conduct or would like to submit a complaint regarding accounting, internal accounting controls or auditing matters, please call Capital One’s EthicsLine at (866) 785-9735.
Does Capital One have a formal Code of Business Conduct and Ethics?

Yes. Capital One’s Policy Statement of its Code of Business Conduct and Ethics sets forth the ethical principles that are intended to guide the actions and working relationships of Capital One’s directors, officers and employees. The Code of Conduct includes provisions relating to conflicts of interest, corporate opportunities, fair dealing, protection and use of company assets, accounting complaints, company documents and auditor influence, compliance with laws, public disclosure and reporting of misconduct.

How do I contact Capital One Investor Relations?
If you have questions about our card products, please call Customer Relations at (800) 955-7070.

If you have questions about our direct banking products, please call (888) 810-4013.

If you are an investor and have questions about the company please contact Investor Relations at (703) 720-2455, or via email at investor.relations@capitalone.com.

COF/HIB MERGER FAQS

How many shares of Capital One common stock and/or how much cash am I entitled to receive in exchange for each share of my Hibernia common stock following the Capital One and Hibernia merger ?

As a result of the Capital One and Hibernia merger, each share of Hibernia common stock with respect to which a valid cash election was made was converted into the right to receive $30.46 in cash; and each share of Hibernia common stock with respect to which a valid stock election was made was converted into the right to receive approximately $6.16 in cash plus 0.3024 of a share of Capital One common stock. However, Hibernia shareholders who did not make a valid election with respect to their shares of Hibernia common stock received the default merger consideration consisting of $30.46 in cash in exchange for each share of their Hibernia common stock. Whether or not a valid election was made, Hibernia shareholders received cash for each fractional share of their Hibernia common stock, based on the average closing price of Capital One common stock of $80.324 for the five day period ending on November 15, 2005.

To access Capital One's press release announcing the final results regarding the Capital One and Hibernia merger consideration, please click on the link below:

http://www.sec.gov/Archives/edgar/data/927628/000090342305000935/capone_ex99-1.htm

Will I be taxed on the Hibernia and Capital One merger?

For a description of anticipated material U.S. federal income tax consequences of the merger to U.S. holders of Hibernia common stock, please refer to the joint proxy statement of Capital One and Hibernia at:

 

http://www.sec.gov/Archives/edgar/data/47288/000119312505192461/ddefm14a.htm#toc43914_28

I do not have any records that show how much I paid for my shares of Hibernia common stock. How do I find out my tax basis in my shares?

Please consult the stockbroker that you used when you originally purchased your shares of Hibernia common stock. Your broker should be able to provide you with information regarding your tax basis. Assuming you purchased the shares for cash, your tax basis in your shares generally is equal to the amount of cash you paid for those shares. If you have any questions regarding your tax basis in your Hibernia shares, you should consult your financial advisor, accountant or tax lawyer. Unfortunately, neither Computershare nor Capital One, has records regarding the tax basis of your shares, except in circumstances specified in the next paragraph.

If you held stock certificates for your shares of Hibernia, or if your shares were in “book-entry” form (meaning that you did not own stock certificates but, instead, you were recorded on a stock register maintained by Computershare as the record owner of those shares), or if your shares were held in the Dividend Reinvestment and Stock Purchase Plan (the “DRP”) or if you had employee restricted stock, you should contact Computershare at the toll free number indicated above.

What will be my tax basis in and holding period for the shares of Capital One common stock that I receive in the Capital One and Hibernia merger?

Your aggregate tax basis in the shares of Capital One common stock that you receive in the Capital One and Hibernia merger will, including any fractional share interests you are treated as having received as described in the last bullet point of Question 5 above, equal your aggregate tax basis in your shares of Hibernia common stock that you surrender in the merger, increased by the amount of any taxable gain you recognize as a result of the merger (other than any taxable gain resulting your deemed receipt of and sale back to Capital One of any fractional share interests), and decreased by the amount of any cash you receive as a result of the merger (excluding any cash received in lieu of a fractional share interest).

Your holding period for the shares of Capital One common stock that you receive in the Capital One and Hibernia merger generally will include the holding period for the shares of Hibernia common stock that you exchange for the Capital One shares.

Merger Election-Related FAQs

How many shares of Capital One common stock and/or how much cash am I entitled to receive in exchange for each share of my North Fork common stock following the Capital One and North Fork merger?

As a result of the Capital One and North Fork merger, each share of North Fork common stock with respect to which a valid cash election was made was converted into the right to receive $28.144 in cash; and each share of North Fork common stock with respect to which a valid stock election was made was converted into the right to receive 0.3692 of a share of Capital One common stock. However, North Fork stockholders who did not make a valid election with respect to their shares of North Fork common stock will receive the default merger consideration consisting of approximately $26.845 in cash plus 0.017 of a share of Capital One common stock in exchange for each share of their North Fork common stock. Whether or not a valid election was made, North Fork stockholders received cash for each fractional share of their North Fork common stock, based on the average closing price of Capital One common stock of $76.238 for the five-day period ending on November 30, 2006.

To access Capital One's press release announcing the final results regarding the Capital One and North Fork merger consideration, please click on the link below:

http://www.sec.gov/Archives/edgar/data/927628/000119312506245235/dex991.htm

Will I be taxed on the North Fork and Capital One merger?

For a description of anticipated material U.S. federal income tax consequences of the merger to U.S. holders of North Fork common stock, please refer to the joint proxy statement of Capital One and North Fork at: 

http://www.sec.gov/Archives/edgar/data/352510/000119312506145231/ddefm14a.htm

I do not have any records that show how much I paid for my shares of North Fork common stock. How do I find out my tax basis in my shares?

Please consult the stockbroker that you used when you originally purchased your shares of North Fork common stock. Your broker should be able to provide you with information regarding your tax basis. Assuming you purchased the shares for cash, your tax basis in your shares generally is equal to the amount of cash you paid for those shares. If you have any questions regarding your tax basis in your North Fork shares, you should consult your financial advisor, accountant or tax lawyer. Unfortunately, neither Computershare nor Capital One, has records regarding the tax basis of your shares, except in circumstances specified in the next paragraph.

If you held stock certificates for your shares of North Fork, or if your shares were in “book-entry” form (meaning that you did not own stock certificates but, instead, you were recorded on a stock register maintained by Computershare as the record owner of those shares), or if your shares were held in the Dividend Reinvestment and Stock Purchase Plan (the “DRP”) or if you had employee restricted stock, you should contact Computershare at the toll free number indicated above.

What will be my tax basis in and holding period for the shares of Capital One common stock that I receive in the Capital One and North Fork merger?
Your aggregate tax basis in the shares of Capital One common stock that you receive in the Capital One and North Fork merger will, including any fractional share interests you are treated as having received as described in the last bullet point of Question 5 above, equal your aggregate tax basis in your shares of North Fork common stock that you surrender in the merger, increased by the amount of any taxable gain you recognize as a result of the merger (other than any taxable gain resulting your deemed receipt of and sale back to Capital One of any fractional share interests), and decreased by the amount of any cash you receive as a result of the merger (excluding any cash received in lieu of a fractional share interest).

Your holding period for the shares of Capital One common stock that you receive in the Capital One and North Fork merger generally will include the holding period for the shares of North Fork common stock that you exchange for the Capital One shares.