Frequently Asked Questions

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:

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.

Please refer to the Financials Section of this site. For a printed version, please send your request via e-mail to the Capital One Investor Relations group at investorrelations@capitalone.com.

The Annual Stockholder Meeting is typically held the first week of May at our corporate headquarters located in Mclean, Virginia. For exact date, time, and location please see our Proxy Statement.

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.

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 investorrelations@capitalone.com.

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

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

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.

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.

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

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

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.

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.

Note: Credit ratings represent the Outlook and Senior Unsecured Long-Term Debt ratings for Capital One Financial Corporation as of 7/22/24 and are sourced from the respective rating agency websites

Note: Credit ratings represent the Outlook, Senior Unsecured Long-Term Debt, and Deposits ratings for Capital One, National Association as of 7/22/24 and are sourced from the respective rating agency websites