<SUBMISSION>
<ACCESSION-NUMBER>0001206774-12-001182
<TYPE>DEFA14A
<PUBLIC-DOCUMENT-COUNT>6
<FILING-DATE>20120323
<DATE-OF-FILING-DATE-CHANGE>20120323
<EFFECTIVENESS-DATE>20120323
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>CAPITAL ONE FINANCIAL CORP
<CIK>0000927628
<ASSIGNED-SIC>6022
<IRS-NUMBER>541719854
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>DEFA14A
<ACT>34
<FILE-NUMBER>001-13300
<FILM-NUMBER>12711171
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>1680 CAPITAL ONE DRIVE
<STREET2>SUITE 1400
<CITY>MCLEAN
<STATE>VA
<ZIP>22102
<PHONE>7037201000
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>1680 CAPITAL ONE DRIVE
<STREET2>SUITE 1400
<CITY>MCLEAN
<STATE>VA
<ZIP>22102
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>OAKSTONE FINANCIAL CORP
<DATE-CHANGED>19940728
</FORMER-COMPANY>
</FILER>
<DOCUMENT>
<TYPE>DEFA14A
<SEQUENCE>1
<FILENAME>capitalone_defa14a.htm
<DESCRIPTION>DEFINITIVE ADDITIONAL PROXY SOLICITING MATERIALS
<TEXT>
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<div style="TEXT-ALIGN: center"><font size="2" style="FONT-FAMILY: Times New Roman">UNITED STATES<br>
SECURITIES AND EXCHANGE COMMISSION</font></div>

<div style="TEXT-ALIGN: center"><font size="2" style="FONT-FAMILY: Times New Roman">Washington, D.C. 20549</font></div>

<div style="TEXT-ALIGN: center"><font size="2" style="FONT-FAMILY: Times New Roman"><br>
SCHEDULE 14A </font></div>

<div>&#160;</div>

<div style="TEXT-ALIGN: center"><font size="2" style="FONT-FAMILY: Times New Roman">(Rule 14a-101) </font></div>

<div>&#160;</div>

<div style="TEXT-ALIGN: center"><font size="2" style="FONT-FAMILY: Times New Roman">INFORMATION REQUIRED IN PROXY STATEMENT </font></div>

<div>&#160;</div>

<div style="TEXT-ALIGN: center"><font size="2" style="FONT-FAMILY: Times New Roman">SCHEDULE 14A INFORMATION </font></div>

<div>&#160;</div>

<div style="TEXT-ALIGN: center"><font size="2" style="FONT-FAMILY: Times New Roman">Proxy Statement Pursuant to Section 14(a) of the<br>
Securities Exchange Act of 1934 (Amendment No. )</font><font style="FONT-FAMILY: Times New Roman"> </font></div>

<div>&#160;</div>

<div align="left">
<table border="0" cellpadding="0" cellspacing="0" width="100%" style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse; ">
<tr valign="bottom">
<td align="left" colspan="3" nowrap valign="top" width="12%"><font size="2" style="FONT-FAMILY: times new roman">Filed by the Registrant [X]</font></td>
<td align="left" colspan="2" nowrap valign="top" width="88%">&#160;</td>
</tr><tr valign="bottom">
<td align="left" colspan="3" nowrap valign="top" width="12%"><font size="2" style="FONT-FAMILY: times new roman">Filed by a Party other than the Registrant [&#160;&#160; ]&#160; </font></td>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="87%">&#160;</td>
</tr><tr>
<td align="left" colspan="3" nowrap valign="top" width="12%">&#160; </td>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="87%">&#160;</td>
</tr><tr valign="bottom">
<td align="left" colspan="3" nowrap valign="top" width="12%"><font size="2" style="FONT-FAMILY: times new roman">Check the appropriate box:</font></td>
<td align="left" nowrap valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">&#160;&#160;&#160;&#160;&#160;&#160; </font></td>
<td align="left" nowrap valign="top" width="87%">&#160;</td>
</tr><tr valign="bottom">
<td align="left" nowrap valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">[&#160;&#160; ]</font></td>
<td align="left" nowrap valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">&#160;&#160;&#160;&#160;&#160;&#160; </font></td>
<td align="left" nowrap valign="top" width="10%"><font size="2" style="FONT-FAMILY: times new roman">Preliminary Proxy Statement</font></td>
<td align="left" nowrap valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">[&#160;&#160; ]&#160; </font></td>
<td align="left" nowrap valign="top" width="87%"><font size="2" style="FONT-FAMILY: times new roman">Soliciting Material Under Rule 14a-12</font></td>
</tr><tr valign="bottom" style="LINE-HEIGHT: normal;">
<td align="left" nowrap valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">[&#160;&#160; ]</font></td>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="10%"><font size="2" style="FONT-FAMILY: times new roman">Confidential, For Use of the<br>
Commission Only (as permitted<br>
by Rule 14a-6(e)(2))</font></td>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="87%">&#160;</td>
</tr><tr valign="bottom">
<td align="left" nowrap valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">[&#160;&#160; ]</font></td>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="10%"><font size="2" style="FONT-FAMILY: times new roman">Definitive Proxy Statement</font></td>
<td align="left" colspan="2" nowrap valign="top" width="88%">&#160;</td>
</tr><tr valign="bottom">
<td align="left" nowrap valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">[X]</font></td>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="10%"><font size="2" style="FONT-FAMILY: times new roman">Definitive Additional Materials</font></td>
<td align="left" colspan="2" nowrap width="88%">&#160;</td>
</tr></table>
</div>

<br>
<div>
<table border="0" cellpadding="0" cellspacing="0" width="100%" style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse; ">
<tr valign="bottom">
<td nowrap width="3%" style="TEXT-ALIGN: center">&#160;</td>
<td nowrap width="94%" style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center"><font size="2" style="FONT-FAMILY: times new roman">Capital One Financial Corporation</font></td>
<td nowrap width="3%" style="TEXT-ALIGN: center">&#160;</td>
</tr><tr valign="bottom">
<td width="3%" style="TEXT-ALIGN: center">&#160;</td>
<td width="94%" style="TEXT-ALIGN: center"><font size="2" style="FONT-FAMILY: times new roman">(Name of Registrant as Specified In Its Charter)</font></td>
<td width="3%" style="TEXT-ALIGN: center">&#160;</td>
</tr><tr>
<td width="3%">&#160;</td>
<td width="94%">&#160; </td>
<td width="3%">&#160;</td>
</tr><tr valign="bottom">
<td nowrap width="3%" style="TEXT-ALIGN: center">&#160;</td>
<td nowrap width="94%" style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center"><font size="2" style="FONT-FAMILY: times new roman">&#160;&#160;&#160; </font></td>
<td nowrap width="3%" style="TEXT-ALIGN: center">&#160;</td>
</tr><tr>
<td nowrap width="3%" style="TEXT-ALIGN: center">&#160;</td>
<td nowrap width="94%" style="TEXT-ALIGN: center">
<div align="center"><font size="2" style="FONT-FAMILY: times new roman">(Name of Person(s) Filing Proxy Statement, if Other Than the Registrant)</font></div>
</td>
<td nowrap width="3%" style="TEXT-ALIGN: center">&#160;</td>
</tr></table>
</div>

<br>
<div>
<table border="0" cellpadding="0" cellspacing="0" width="100%" style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse; ">
<tr valign="bottom">
<td align="left" colspan="5" nowrap valign="top" width="100%"><font size="2" style="FONT-FAMILY: times new roman">Payment of Filing Fee (Check the appropriate box):</font></td>
</tr><tr valign="bottom">
<td align="right" nowrap valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">[X]</font></td>
<td align="right" nowrap valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">&#160;&#160;&#160;&#160;&#160;&#160; </font></td>
<td align="left" colspan="3" nowrap valign="top" width="98%"><font size="2" style="FONT-FAMILY: times new roman">No fee required.</font></td>
</tr><tr>
<td align="right" valign="top" width="1%">
<div><font size="2" style="FONT-FAMILY: times new roman"><font size="2" style="FONT-FAMILY: times new roman">[&#160;&#160; ]</font></font></div>
</td>
<td align="right" valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">&#160;</font></td>
<td align="left" colspan="3" valign="top" width="98%">
<div><font size="2" style="FONT-FAMILY: times new roman">Fee computed on table below per Exchange Act Rules 14a-6(i)(4) and 0-11.</font></div>
</td>
</tr><tr>
<td align="right" valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="right" valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="right" valign="top" width="1%" style="PADDING-BOTTOM: 1pt"><font size="2">1)</font></td>
<td align="left" valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;<font size="2">&#160;&#160;&#160;&#160;&#160;&#160; </font></td>
<td align="left" valign="top" width="96%"><font size="2">Title of each class of securities to which transaction applies:</font></td>
</tr><tr valign="bottom">
<td align="right" valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">&#160;</font></td>
<td align="right" valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">&#160;</font></td>
<td align="right" valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">&#160;</font></td>
<td align="left" valign="top" width="1%">&#160;</td>
<td valign="top" width="96%" style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: left"><font size="2" style="FONT-FAMILY: times new roman">&#160; </font></td>
</tr><tr>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%"><font size="2">2)</font></td>
<td align="left" valign="top" width="1%">&#160;</td>
<td valign="top" width="96%"><font size="2">Aggregate number of securities to which transaction applies:</font></td>
</tr><tr>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="left" valign="top" width="1%">&#160;</td>
<td valign="top" width="96%" style="BORDER-BOTTOM: #000000 1pt solid">&#160;</td>
</tr><tr>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%"><font size="2">3)</font></td>
<td align="left" valign="top" width="1%">&#160;</td>
<td valign="top" width="96%"><font size="2">Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the amount on which the filing fee is calculated and state how it was determined):</font></td>
</tr><tr>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="left" valign="top" width="1%">&#160;</td>
<td valign="top" width="96%" style="BORDER-BOTTOM: #000000 1pt solid">&#160;</td>
</tr><tr>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%"><font size="2">4)</font></td>
<td align="left" valign="top" width="1%">&#160;</td>
<td valign="top" width="96%"><font size="2">Proposed maximum aggregate value of transaction:</font></td>
</tr><tr>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="left" valign="top" width="1%">&#160;</td>
<td valign="top" width="96%" style="BORDER-BOTTOM: #000000 1pt solid">&#160;</td>
</tr><tr>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%"><font size="2">5)</font></td>
<td align="left" valign="top" width="1%">&#160;</td>
<td valign="top" width="96%"><font size="2">Total fee paid:</font></td>
</tr><tr>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="right" valign="top" width="1%">&#160;</td>
<td align="left" valign="top" width="1%">&#160;</td>
<td valign="top" width="96%" style="BORDER-BOTTOM: #000000 1pt solid">&#160;</td>
</tr><tr>
<td align="right" valign="top" width="1%">
<div><font size="2" style="FONT-FAMILY: times new roman"><font size="2" style="FONT-FAMILY: times new roman">[&#160;&#160; ]</font></font></div>
</td>
<td align="right" valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">&#160;</font></td>
<td align="left" colspan="3" valign="top" width="98%">
<div><font size="2" style="FONT-FAMILY: times new roman">Fee paid previously with preliminary materials:</font></div>
</td>
</tr><tr style="LINE-HEIGHT: normal;">
<td align="right" valign="top" width="1%">
<div><font size="2" style="FONT-FAMILY: times new roman"><font size="2" style="FONT-FAMILY: times new roman">[&#160;&#160; ]</font></font></div>
</td>
<td align="right" valign="top" width="1%"><font size="2" style="FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="3" valign="top" width="98%" style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left"><font size="2" style="FONT-FAMILY: times new roman">Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration statement number, or the form or schedule and the date of its filing.</font></div>
</td>
</tr><tr valign="bottom">
<td align="left" nowrap valign="top" width="1%" style="PADDING-TOP: 4pt">&#160;</td>
<td align="left" nowrap valign="top" width="1%"><font size="2">&#160;</font></td>
<td align="left" nowrap valign="top" width="1%"><font size="2">1)</font></td>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="96%"><font size="2" style="FONT-FAMILY: times new roman">Amount previously paid:</font></td>
</tr><tr>
<td align="left" nowrap valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="left" nowrap valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="left" nowrap valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="left" nowrap valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="left" nowrap valign="top" width="96%" style="BORDER-BOTTOM: #000000 1pt solid">&#160;</td>
</tr><tr valign="bottom" style="PADDING-TOP: 4pt;">
<td align="left" nowrap valign="top" width="1%" style="PADDING-TOP: 4pt">&#160;</td>
<td align="left" nowrap valign="top" width="1%"><font size="2">&#160;</font></td>
<td align="left" nowrap valign="top" width="1%"><font size="2">2)</font></td>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="96%"><font size="2" style="FONT-FAMILY: times new roman">Form, Schedule or Registration Statement No.:</font></td>
</tr><tr>
<td align="left" nowrap valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="left" nowrap valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="left" nowrap valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="left" nowrap valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="left" nowrap valign="top" width="96%" style="BORDER-BOTTOM: #000000 1pt solid">&#160;</td>
</tr><tr valign="bottom" style="PADDING-TOP: 4pt;">
<td align="left" nowrap valign="top" width="1%" style="PADDING-TOP: 4pt">&#160;</td>
<td align="left" nowrap valign="top" width="1%"><font size="2">&#160;</font></td>
<td align="left" nowrap valign="top" width="1%"><font size="2">3)</font></td>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="96%"><font size="2" style="FONT-FAMILY: times new roman">Filing Party:</font></td>
</tr><tr>
<td align="left" nowrap valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="left" nowrap valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="left" nowrap valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="left" nowrap valign="top" width="1%" style="PADDING-BOTTOM: 1pt">&#160;</td>
<td align="left" nowrap valign="top" width="96%" style="BORDER-BOTTOM: #000000 1pt solid">&#160;</td>
</tr><tr valign="bottom" style="PADDING-TOP: 4pt;">
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="1%"><font size="2">&#160;</font></td>
<td align="left" nowrap valign="top" width="1%"><font size="2">4)</font></td>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="96%"><font size="2" style="FONT-FAMILY: times new roman">Date Filed:</font></td>
</tr><tr>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="1%">&#160;</td>
<td align="left" nowrap valign="top" width="96%" style="BORDER-BOTTOM: #000000 1pt solid">&#160;</td>
</tr></table>
</div>

<br>
<hr align="center" noshade size="2" width="100%">

<div style="PAGE-BREAK-BEFORE: always">&#160;
</div>

<div align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font size="5">*** Exercise Your <font style="FONT-STYLE: italic">Right</font> to Vote ***</font></font><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font size="5" style="FONT-FAMILY: Times New Roman"><br>
</font><font style="FONT-FAMILY: Times New Roman">Important Notice Regarding the Availability of Proxy Materials for the</font></font></div>

<div align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Shareholder Meeting to Be Held on May 08, 2012</font></div>

<div>&#160;</div>

<div>&#160;</div>

<div style="FLOAT: left; WIDTH: 48%">
<table border="0" cellpadding="0" cellspacing="0" width="100%" style="">
<tr>
<td width="100%">
<div align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="FONT-FAMILY: times new roman"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic">CAPITAL ONE FINANCIAL CORPORATION</font><br>
<br>
<br>
</font></font></div>

<div>&#160;</div>

<div align="left">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font color="#ff0000"><img src="capitalone_defa14ax1x1.jpg"></font><br>
<font size="1" style="FONT-FAMILY: times new roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="DISPLAY: inline; FONT-STYLE: italic">CAPITAL ONE FINANCIAL CORPORATION<br>
</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="DISPLAY: inline; FONT-STYLE: italic">1680 CAPITAL ONE DR.<br>
</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="DISPLAY: inline; FONT-STYLE: italic">MCLEAN, VA 22102-3491</font></font></div>

<div align="left"><br>
<br>
<br>
<br>
<br>
<br>
<br>
<font color="#ff0000"><img src="capitalone_defa14ax1x2.jpg"></font></div>


</td>
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<div>&#160;</div>
</div>

<div style="FLOAT: right; WIDTH: 48%">
<table border="0" cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse; ">
<tr valign="bottom">
<td colspan="2" nowrap width="99%" style="BORDER-RIGHT: black 1pt solid; BORDER-TOP: black 1pt solid; BORDER-LEFT: black 1pt solid; LINE-HEIGHT: 22pt; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline"><font size="3" style="FONT-FAMILY: times new roman">Meeting Information</font></font></font></td>
</tr><tr valign="bottom">
<td colspan="2" nowrap width="99%" style="BORDER-RIGHT: black 1pt solid; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font size="2" style="FONT-FAMILY: times new roman">Meeting Type:&#160;</font></font><font size="2" style="FONT-FAMILY: times new roman">Annual Meeting</font></td>
</tr><tr valign="bottom">
<td colspan="2" nowrap width="99%" style="BORDER-RIGHT: black 1pt solid; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font size="2" style="FONT-FAMILY: times new roman">For holders as of:&#160;</font></font><font size="2" style="FONT-FAMILY: times new roman">March 13, 2012</font></td>
</tr><tr valign="bottom">
<td colspan="2" nowrap width="99%" style="BORDER-RIGHT: black 1pt solid; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; TEXT-ALIGN: left"><font size="2" style="FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Date:&#160;</font></font><font size="2" style="FONT-FAMILY: times new roman">May 08, 2012&#160;&#160;&#160;&#160;&#160;</font><font size="2" style="FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Time:</font><font size="3" style="FONT-FAMILY: times new roman">&#160;</font></font><font size="2" style="FONT-FAMILY: times new roman">10:00 AM EDT</font></td>
</tr><tr valign="bottom">
<td nowrap width="1%" style="PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; TEXT-ALIGN: left"><font size="2" style="FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Location:&#160;</font></font></td>
<td align="left" nowrap width="98%" style="BORDER-RIGHT: #000000 1pt solid"><font size="2" style="FONT-FAMILY: times new roman">Corporate Headquarters</font></td>
</tr><tr valign="bottom">
<td align="left" nowrap width="1%" style="BORDER-LEFT: #000000 1pt solid">&#160;</td>
<td align="left" nowrap width="98%" style="BORDER-RIGHT: #000000 1pt solid">1680 Capital One Drive</td>
</tr><tr>
<td width="1%" style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid"><font size="2" style="FONT-FAMILY: times new roman">&#160;</font></td>
<td align="left" width="98%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid">McLean, VA 22102</td>
</tr></table>

&#160;<br>
<table border="0" cellpadding="0" cellspacing="0" width="100%" style="">
<tr valign="bottom">
<td align="left" width="100%">
<div align="justify"><font size="2" style="FONT-FAMILY: times new roman">You are receiving this communication because you hold shares in the above named company.</font></div>
</td>
</tr><tr>
<td width="100%">&#160;</td>
</tr><tr valign="bottom">
<td align="left" width="100%">
<div align="justify"><font size="2" style="FONT-FAMILY: times new roman">This is not a ballot. You cannot use this notice to vote these shares. This communication presents only an overview of the more complete proxy materials that are available to you on the Internet. You may view the proxy materials online at <font style="FONT-STYLE: italic">www.proxyvote.com</font> or easily request a paper copy (see reverse side).</font></div>
</td>
</tr><tr>
<td width="100%">&#160;</td>
</tr><tr valign="bottom">
<td align="left" width="100%">
<div align="justify"><font size="2" style="FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: normal">We encourage you to access and review all of the important information contained in the proxy materials before voting.</font></font></div>
</td>
</tr></table>

&#160;<br>
<table border="0" cellpadding="0" cellspacing="0" width="100%" style="BORDER-RIGHT: black 1pt solid; PADDING-RIGHT: 3pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 3pt; PADDING-BOTTOM: 3pt; BORDER-LEFT: black 1pt solid; PADDING-TOP: 3pt; BORDER-BOTTOM: black 1pt solid; ">
<tr valign="bottom">
<td align="left" width="100%" bgcolor="#808080">
<div align="justify"><font size="2" style="FONT-FAMILY: times new roman"><font color="#ffffff"><font style="DISPLAY: inline; FONT-WEIGHT: bold">See the reverse side of this notice to obtain proxy materials and voting instructions.</font></font></font></div>
</td>
</tr></table>


</div>

<br clear="all">




<hr align="center" noshade size="2" width="100%">

<div style="PAGE-BREAK-BEFORE: always">&#160;
</div>


<div align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font size="5" style="FONT-FAMILY: Times New Roman">&#8212;&#160; Before You Vote&#160; &#8212;<br>
</font></font><font style="FONT-FAMILY: Times New Roman">How to Access the Proxy Materials</font></div><BR>



<div align="right">
<table border="0" cellpadding="0" cellspacing="0" width="95%" style="PADDING-RIGHT: 6pt; PADDING-LEFT: 6pt; LINE-HEIGHT: 12pt; ">
<tr valign="bottom">
<td align="left" colspan="2" width="100%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; PADDING-TOP: 4pt">
<div align="justify"><font size="2" style="FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Proxy Materials Available to VIEW or RECEIVE:</font></font></div>
</td>
</tr><tr valign="bottom">
<td colspan="2" width="100%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: black 1pt solid; TEXT-ALIGN: left"><font size="2" style="FONT-FAMILY: times new roman">1. Notice &amp; Proxy Statement&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2. Annual Report/10K</font></td>
</tr><tr valign="bottom" style="LINE-HEIGHT: 4pt;">
<td colspan="2" width="100%" style="BORDER-RIGHT: black 1pt solid; BORDER-LEFT: black 1pt solid; TEXT-ALIGN: left">&#160;</td>
</tr><tr valign="bottom">
<td colspan="2" valign="bottom" width="100%" style="BORDER-RIGHT: black 1pt solid; BORDER-LEFT: black 1pt solid; TEXT-ALIGN: left"><font size="2" style="FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">How to View Online:</font></font></td>
</tr><tr valign="bottom" style="PADDING-TOP: 3pt;">
<td colspan="2" width="100%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; TEXT-ALIGN: justify"><font size="2" style="FONT-FAMILY: times new roman">Have the information that is printed in the box marked by the arrow&#160; <font style="FONT-FAMILY: wingdings">&#232;</font><font style="FONT-WEIGHT: bold"><font size="2" style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: normal; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid"> XXXX XXXX XXXX&#160;</font></font> (located on the following page) and visit: </font><font style="DISPLAY: inline; FONT-STYLE: italic"><font size="2" style="FONT-FAMILY: times new roman">www.proxyvote.com.</font></font></td>
</tr><tr style="LINE-HEIGHT: 4pt;">
<td align="left" colspan="2" width="100%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid"><font style="DISPLAY: inline; FONT-STYLE: italic"><font size="2" style="FONT-FAMILY: times new roman">&#160;</font></font></td>
</tr><tr valign="bottom">
<td align="left" colspan="2" width="100%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid">
<div align="justify"><font size="2" style="FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold">How to Request and Receive a PAPER or E-MAIL Copy:</font></font></div>
</td>
</tr><tr valign="bottom">
<td colspan="2" width="100%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; TEXT-ALIGN: justify">
<div style="TEXT-ALIGN: justify"><font size="2" style="FONT-FAMILY: times new roman">If you want to receive a paper or e-mail copy of these documents, you must request one. There is NO charge for requesting a copy. Please choose one of the following methods to make your request:</font></div>
</td>
</tr><tr valign="bottom">
<td nowrap width="11%" style="BORDER-LEFT: black 1pt solid; TEXT-INDENT: 45pt; TEXT-ALIGN: left"><font size="2" style="FONT-FAMILY: times new roman">1) </font><font style="DISPLAY: inline; FONT-STYLE: italic"><font size="2" style="FONT-FAMILY: times new roman">BY INTERNET</font></font><font size="2" style="FONT-FAMILY: times new roman">:</font></td>
<td align="left" width="89%" style="BORDER-RIGHT: #000000 1pt solid"><font size="2" style="FONT-FAMILY: times new roman">www.proxyvote.com</font></td>
</tr><tr valign="bottom">
<td nowrap width="11%" style="BORDER-LEFT: black 1pt solid; TEXT-INDENT: 45pt; TEXT-ALIGN: left"><font size="2" style="FONT-FAMILY: times new roman">2) </font><font style="DISPLAY: inline; FONT-STYLE: italic"><font size="2" style="FONT-FAMILY: times new roman">BY TELEPHONE</font></font><font size="2" style="FONT-FAMILY: times new roman">:&#160;&#160;&#160;</font></td>
<td align="left" width="89%" style="BORDER-RIGHT: #000000 1pt solid"><font size="2" style="FONT-FAMILY: times new roman">1-800-579-1639</font></td>
</tr><tr valign="bottom">
<td nowrap width="11%" style="BORDER-LEFT: black 1pt solid; TEXT-INDENT: 45pt; TEXT-ALIGN: left"><font size="2" style="FONT-FAMILY: times new roman">3) </font><font style="DISPLAY: inline; FONT-STYLE: italic"><font size="2" style="FONT-FAMILY: times new roman">BY E-MAIL*</font></font><font size="2" style="FONT-FAMILY: times new roman">:</font></td>
<td align="left" width="89%" style="BORDER-RIGHT: #000000 1pt solid"><font size="2" style="FONT-FAMILY: times new roman">sendmaterial@proxyvote.com</font></td>
</tr><tr valign="bottom" style="PADDING-BOTTOM: 3pt;">
<td colspan="2" valign="top" width="100%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; TEXT-ALIGN: justify">
<div style="PADDING-LEFT: 0pt; TEXT-ALIGN: justify"><font size="2" style="FONT-FAMILY: times new roman">* If requesting materials by e-mail, please send a blank e-mail with the information that is printed in the box marked by the arrow&#160; <font style="FONT-FAMILY: wingdings">&#232;</font><font style="FONT-WEIGHT: bold"><font size="2" style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: normal; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid"> XXXX XXXX XXXX&#160;</font></font>&#160;(located on the following page) in the subject line.</font></div>
</td>
</tr><tr valign="bottom">
<td align="left" colspan="2" width="100%" style="BORDER-RIGHT: #000000 1pt solid; PADDING-BOTTOM: 4pt; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid">
<div align="justify">
<div style="TEXT-ALIGN: justify"><font size="2" style="FONT-FAMILY: times new roman"><font size="2" style="FONT-FAMILY: times new roman">Requests, instructions and other inquiries sent to this e-mail address will NOT be forwarded to your investment advisor. <font size="2" style="FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: normal">Please make the request as instructed above on or before April 24, 2012 to facilitate timely delivery.</font></font></font></font></div>
</div>
</td>
</tr></table>
</div>

<br>
<div align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font size="5" style="FONT-FAMILY: Times New Roman">&#8212;&#160; How To Vote&#160; &#8212;<br>
</font></font><font style="FONT-FAMILY: Times New Roman">Please Choose One of the Following Voting Methods</font></div><BR>



<div align="right">
<table border="0" cellpadding="0" cellspacing="0" width="95%" style="PADDING-RIGHT: 6pt; PADDING-LEFT: 6pt; ">
<tr>
<td align="left" width="100%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid"><font size="2" style="FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom">
<td align="left" width="100%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid">
<div align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font size="2" style="FONT-FAMILY: times new roman">Vote In Person: </font></font><font size="2" style="FONT-FAMILY: times new roman">Many shareholder meetings have attendance requirements including, but not limited to, the possession of an attendance ticket issued by the entity holding the meeting. Please check the meeting materials for any special requirements for meeting attendance. At the meeting, you will need to request a ballot to vote these shares.</font></div>
</td>
</tr><tr valign="bottom">
<td align="left" valign="top" width="100%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid"><font size="2" style="FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom">
<td valign="top" width="100%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; TEXT-ALIGN: justify">
<div><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font size="2" style="FONT-FAMILY: times new roman">Vote By Internet: </font></font><font size="2" style="FONT-FAMILY: times new roman">To vote now by Internet, go to <font style="DISPLAY: inline; FONT-STYLE: italic">www.proxyvote.com</font>. Have the information that is printed in the box marked by the arrow&#160;<font style="FONT-FAMILY: wingdings">&#232;</font><font style="FONT-WEIGHT: bold"><font size="2" style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; FONT-WEIGHT: normal; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid"> XXXX XXXX XXXX&#160;</font></font> available and follow the instructions.</font></div>

<div><font size="2">&#160;</font></div>
</td>
</tr><tr valign="bottom">
<td align="left" width="100%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid">
<div align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold"><font size="2" style="FONT-FAMILY: times new roman">Vote By Mail: </font></font><font size="2" style="FONT-FAMILY: times new roman">You can vote by mail by requesting a paper copy of the materials, which will include a proxy card.</font></div>
</td>
</tr><tr>
<td align="left" width="100%" style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid"><font size="2" style="FONT-FAMILY: times new roman">&#160;</font></td>
</tr></table>
</div>

<div style="MARGIN-TOP: -100pt"><img src="capitalone_defa14ax2x1.jpg"></div>

<div>&#160;</div>

<br>
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<div style="PAGE-BREAK-BEFORE: always">&#160;
</div>






<DIV style="FLOAT: right; WIDTH: 97%">
<TABLE style="BORDER-RIGHT: black 2pt solid; BORDER-TOP: black 2pt solid; BORDER-LEFT: black 2pt solid; BORDER-BOTTOM: black 2pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="25%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=center width="100%"><FONT face=serif size=1><STRONG>Voting
      items</STRONG></FONT></TD></TR></TABLE><STRONG><FONT size=1>&nbsp;
</FONT></STRONG><BR>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="99%" colSpan=3><B><FONT face=serif size=1>The
      Board of Directors recommends you vote FOR the following:</FONT></B></TD></TR>
  <TR>
    <TD noWrap align=left width="99%"  colSpan=3><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"><FONT face=serif size=1><STRONG>1.</STRONG></FONT></TD>
    <TD noWrap align=left width="1%"><B><FONT face=serif size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></TD>
    <TD noWrap align=left width="97%"><FONT face=serif size=1>Election of Directors</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="97%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="1%"><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="97%"><B><FONT face=serif size=1>Nominees</FONT></B></TD></TR>
  <TR>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="97%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"><FONT face=serif size=1>01</FONT></TD>
    <TD noWrap align=left width="1%"><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="97%"><FONT face=serif size=1>Richard D. Fairbank</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="97%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"><FONT face=serif size=1>02</FONT></TD>
    <TD noWrap align=left width="1%"><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="97%"><FONT face=serif size=1>Peter E. Raskind</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="97%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"><FONT face=serif size=1>03</FONT></TD>
    <TD noWrap align=left width="1%"><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="97%"><FONT face=serif size=1>Bradford H. Warner</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="97%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD></TR>
  <TR>
    <TD noWrap align=right width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="97%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="99%" colSpan=3><B><FONT face=serif size=1>The
      Board of Directors recommends you vote FOR proposals 2, 3 and
    4.</FONT></B></TD></TR>
  <TR>
    <TD noWrap align=left width="99%"  colSpan=3><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"><B><FONT face=serif size=1>2</FONT></B></TD>
    <TD noWrap align=left width="1%"><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD align=left width="97%"><FONT face=serif size=1>Ratification of selection of Ernst
      &amp; Young LLP as independent auditors of Capital One for
  2012.</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD align=left width="97%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"><B><FONT face=serif size=1>3</FONT></B></TD>
    <TD noWrap align=left width="1%"><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD align=left width="97%"><FONT face=serif size=1>Advisory, non-binding approval of
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  <TR>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD align=left width="97%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"><B><FONT face=serif size=1>4</FONT></B></TD>
    <TD noWrap align=left width="1%"><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD align=left width="97%"><FONT face=serif size=1>Approval and adoption of Capital One's
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  <TR>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD noWrap align=left width="1%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD>
    <TD align=left width="97%" ><STRONG><FONT size=1>&nbsp;</FONT></STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="99%" colSpan=3><B><FONT face=serif size=1>NOTE:
      </FONT></B><FONT face=serif size=1>Such
      other business as may properly come before the meeting or any adjournment
      thereof.</FONT></TD></TR></TABLE></DIV><br clear=all>

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