QUANTUMONLINE.COM SECURITY DESCRIPTION:  Capital One Financial Corporation, 6.25% Upper DECS, stated amount $50 per DECS, initially consisting of Upper DECS Units which include a stock purchase contract and a 6.25% senior note with a principal amount of $50. The purchase contract requires the holder to purchase for $50, a variable number of shares of Capital One Financial Corp. (NYSE: COF) common stock no later than 5/17/2005. The settlement rate will be 0.6361 shares per DECS if the then current market price is equal to or greater than $78.61 and 0.7824 shares per DECS if the price is equal to or less than $63.91. For prices between those values the settlement rate will be $50 divided by the market value. The senior note is due 5/17/2007 and is subject to reset and remarketing three business date prior to 2/17/2005. The Upper DECS Units pay quarterly distributions of 6.25% ($3.125) per annum on 2/17, 5/17, 8/17 & 11/17 to holders of record one business day prior to the payment date while the securities remain in book-entry form. The senior notes are pledged as collateral to secure the holder's obligations under the stock purchase contract. The holder has the right at any time to convert the Upper DECS Units to Stripped DECS by the substitution of a specified zero-coupon U.S. Treasury security for the senior notes and to later recreate Upper DECS Units. The senior notes are unsecured and rank equallly with the company's other unsecured senior indebtedness. See the IPO prospectus for extensive additional information on the Upper DECS and their mandatory conversion provisions by clicking on the ‘Link to IPO Prospectus’ provided below.

Stock Exchange	Cpn Rate Ann Amt	LiqPref CallPrice	Call Date Matur Date	Moodys/S&P Dated	Conversion Shares@Price	Distribution Dates	15% Tax Rate
NYSE Chart	6.25% $3.13	$50.00 N/A	5/17/2005 5/17/2007	Baa3 BBB- 3/30/2005	0.6361@$78.61+ 0.7824@$63.91-	2/17, 5/17, 8/17 & 11/17 Click for MW ExDiv Date Click for Yahoo ExDiv Date	No

Company's Online Information Links

HOME PAGE:     https://www.capitalone.com/
Company's Investor Relations Information	Go to Investor Relations Information
Company's Online News Releases	Go to News Releases
Online Company Profile	Go to Online Profile

Company's Online SEC EDGAR Filings

Company's SEC EDGAR Filings

Go to SEC Filings

Company's Email Address Links

Email Address	investor.relations@capitalone.com
Email Request Form on Website	Go to Email Form

Address and Phone Numbers

Address:   1680 Capital One Drive, McLean, VA 22102
Main Phone Number	703-720-1000
Fax Number	Not Available
Investor Relations	703-720-2455
Toll Free Phone Number	800-955-7070

CEO - Richard D. Fairbank

COO - Nigel W. Morris

CFO - Gary L. Perlin