Capital One Financial Corporation Depositary Shares, Each Representing a 1/40th Ownership Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series N

Capital One Financial Corp. is a financial holding company, which engages in the provision of financial products and services. The company is headquartered in Mclean, Virginia and currently employs 77,100 full-time employees. The firm offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients through a variety of channels. The company operates through three segments: Credit Card, Consumer Banking and Commercial Banking. The Credit Card segment consists of its domestic consumer and small business card lending, and international card businesses in the United Kingdom and Canada. The Consumer Banking segment consists of its deposit gathering and lending activities for consumers and small businesses, and national auto lending. The Commercial Banking segment consists of its lending, deposit gathering, capital markets and treasury management services to commercial real estate and commercial and industrial customers. Its principal operating subsidiary is Capital One, National Association, which offers banking products and financial services.