<SEC-DOCUMENT>0000950103-21-008647.txt : 20210610
<SEC-HEADER>0000950103-21-008647.hdr.sgml : 20210610
<ACCEPTANCE-DATETIME>20210610161626
ACCESSION NUMBER:		0000950103-21-008647
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		18
CONFORMED PERIOD OF REPORT:	20210609
ITEM INFORMATION:		Material Modifications to Rights of Security Holders
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210610
DATE AS OF CHANGE:		20210610

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CAPITAL ONE FINANCIAL CORP
		CENTRAL INDEX KEY:			0000927628
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				541719854
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13300
		FILM NUMBER:		211008279

	BUSINESS ADDRESS:	
		STREET 1:		1680 CAPITAL ONE DRIVE
		STREET 2:		SUITE 1400
		CITY:			MCLEAN
		STATE:			VA
		ZIP:			22102
		BUSINESS PHONE:		7037201000

	MAIL ADDRESS:	
		STREET 1:		1680 CAPITAL ONE DRIVE
		STREET 2:		SUITE 1400
		CITY:			MCLEAN
		STATE:			VA
		ZIP:			22102

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	OAKSTONE FINANCIAL CORP
		DATE OF NAME CHANGE:	19940728
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>dp152438_8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8"?>
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:xs="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:us-gaap="http://fasb.org/us-gaap/2020-01-31" xmlns:us-roles="http://fasb.org/us-roles/2020-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:country="http://xbrl.sec.gov/country/2020-01-31" xmlns:srt="http://fasb.org/srt/2020-01-31" xmlns:COF="http://capitalone.com/20210609">
<head>
     <title></title>
<meta http-equiv="Content-Type" content="text/html" />
</head>
<!-- Field: Set; Name: xdx; ID: xdx_029_US%2DGAAP%2D2020 -->
<!-- Field: Set; Name: xdx; ID: xdx_03B_COF_capitalone.com_20210609 -->
<!-- Field: Set; Name: xdx; ID: xdx_04A_20210609_20210609 -->
<!-- Field: Set; Name: xdx; ID: xdx_05B_edei%2D%2DEntityCentralIndexKey_0000927628 -->
<!-- Field: Set; Name: xdx; ID: xdx_059_edei%2D%2DAmendmentFlag_false -->
<!-- Field: Set; Name: xdx; ID: xdx_050_edei%2D%2DCurrentFiscalYearEndDate_12/31 -->
<!-- Field: Set; Name: xdx; ID: xdx_06B_USD_1_iso4217%2D%2DUSD -->
<!-- Field: Set; Name: xdx; ID: xdx_062_Shares_2_xbrli%2D%2Dshares -->
<!-- Field: Set; Name: xdx; ID: xdx_06D_USDPShares_3_iso4217%2D%2DUSD_xbrli%2D%2Dshares -->
<body style="font: 10pt Times New Roman, Times, Serif">
<div style="display: none">
<ix:header>
 <ix:hidden>
  <ix:nonNumeric contextRef="From2021-06-09to2021-06-09" name="dei:EntityCentralIndexKey">0000927628</ix:nonNumeric>
  <ix:nonNumeric contextRef="From2021-06-09to2021-06-09" format="ixt:booleanfalse" name="dei:AmendmentFlag">false</ix:nonNumeric>
  <ix:nonNumeric contextRef="From2021-06-09to2021-06-09" format="ixt:datemonthday" name="dei:CurrentFiscalYearEndDate">12/31</ix:nonNumeric>
  </ix:hidden>
 <ix:references>
  <link:schemaRef xlink:href="cof-20210609.xsd" xlink:type="simple" />
  </ix:references>
 <ix:resources>
    <xbrli:context id="From2021-06-09to2021-06-09">
      <xbrli:entity>
        <xbrli:identifier scheme="http://www.sec.gov/CIK">0000927628</xbrli:identifier>
      </xbrli:entity>
      <xbrli:period>
        <xbrli:startDate>2021-06-09</xbrli:startDate>
        <xbrli:endDate>2021-06-09</xbrli:endDate>
      </xbrli:period>
    </xbrli:context>
    <xbrli:context id="From2021-06-092021-06-09_us-gaap_CommonStockMember">
      <xbrli:entity>
        <xbrli:identifier scheme="http://www.sec.gov/CIK">0000927628</xbrli:identifier>
        <xbrli:segment>
          <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
        </xbrli:segment>
      </xbrli:entity>
      <xbrli:period>
        <xbrli:startDate>2021-06-09</xbrli:startDate>
        <xbrli:endDate>2021-06-09</xbrli:endDate>
      </xbrli:period>
    </xbrli:context>
    <xbrli:context id="From2021-06-092021-06-09_us-gaap_SeriesGPreferredStockMember">
      <xbrli:entity>
        <xbrli:identifier scheme="http://www.sec.gov/CIK">0000927628</xbrli:identifier>
        <xbrli:segment>
          <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesGPreferredStockMember</xbrldi:explicitMember>
        </xbrli:segment>
      </xbrli:entity>
      <xbrli:period>
        <xbrli:startDate>2021-06-09</xbrli:startDate>
        <xbrli:endDate>2021-06-09</xbrli:endDate>
      </xbrli:period>
    </xbrli:context>
    <xbrli:context id="From2021-06-092021-06-09_us-gaap_SeriesHPreferredStockMember">
      <xbrli:entity>
        <xbrli:identifier scheme="http://www.sec.gov/CIK">0000927628</xbrli:identifier>
        <xbrli:segment>
          <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesHPreferredStockMember</xbrldi:explicitMember>
        </xbrli:segment>
      </xbrli:entity>
      <xbrli:period>
        <xbrli:startDate>2021-06-09</xbrli:startDate>
        <xbrli:endDate>2021-06-09</xbrli:endDate>
      </xbrli:period>
    </xbrli:context>
    <xbrli:context id="From2021-06-092021-06-09_custom_SeriesIPreferredStockMember">
      <xbrli:entity>
        <xbrli:identifier scheme="http://www.sec.gov/CIK">0000927628</xbrli:identifier>
        <xbrli:segment>
          <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeriesIPreferredStockMember</xbrldi:explicitMember>
        </xbrli:segment>
      </xbrli:entity>
      <xbrli:period>
        <xbrli:startDate>2021-06-09</xbrli:startDate>
        <xbrli:endDate>2021-06-09</xbrli:endDate>
      </xbrli:period>
    </xbrli:context>
    <xbrli:context id="From2021-06-092021-06-09_custom_SeriesJPreferredStockMember">
      <xbrli:entity>
        <xbrli:identifier scheme="http://www.sec.gov/CIK">0000927628</xbrli:identifier>
        <xbrli:segment>
          <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeriesJPreferredStockMember</xbrldi:explicitMember>
        </xbrli:segment>
      </xbrli:entity>
      <xbrli:period>
        <xbrli:startDate>2021-06-09</xbrli:startDate>
        <xbrli:endDate>2021-06-09</xbrli:endDate>
      </xbrli:period>
    </xbrli:context>
    <xbrli:context id="From2021-06-092021-06-09_custom_SeriesKPreferredStockMember">
      <xbrli:entity>
        <xbrli:identifier scheme="http://www.sec.gov/CIK">0000927628</xbrli:identifier>
        <xbrli:segment>
          <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeriesKPreferredStockMember</xbrldi:explicitMember>
        </xbrli:segment>
      </xbrli:entity>
      <xbrli:period>
        <xbrli:startDate>2021-06-09</xbrli:startDate>
        <xbrli:endDate>2021-06-09</xbrli:endDate>
      </xbrli:period>
    </xbrli:context>
    <xbrli:context id="From2021-06-092021-06-09_custom_SeriesLPreferredStockMember">
      <xbrli:entity>
        <xbrli:identifier scheme="http://www.sec.gov/CIK">0000927628</xbrli:identifier>
        <xbrli:segment>
          <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeriesLPreferredStockMember</xbrldi:explicitMember>
        </xbrli:segment>
      </xbrli:entity>
      <xbrli:period>
        <xbrli:startDate>2021-06-09</xbrli:startDate>
        <xbrli:endDate>2021-06-09</xbrli:endDate>
      </xbrli:period>
    </xbrli:context>
    <xbrli:context id="From2021-06-092021-06-09_custom_SeniorNotesDue2024Member">
      <xbrli:entity>
        <xbrli:identifier scheme="http://www.sec.gov/CIK">0000927628</xbrli:identifier>
        <xbrli:segment>
          <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeniorNotesDue2024Member</xbrldi:explicitMember>
        </xbrli:segment>
      </xbrli:entity>
      <xbrli:period>
        <xbrli:startDate>2021-06-09</xbrli:startDate>
        <xbrli:endDate>2021-06-09</xbrli:endDate>
      </xbrli:period>
    </xbrli:context>
    <xbrli:context id="From2021-06-092021-06-09_custom_SeniorNotesDue2029Member">
      <xbrli:entity>
        <xbrli:identifier scheme="http://www.sec.gov/CIK">0000927628</xbrli:identifier>
        <xbrli:segment>
          <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeniorNotesDue2029Member</xbrldi:explicitMember>
        </xbrli:segment>
      </xbrli:entity>
      <xbrli:period>
        <xbrli:startDate>2021-06-09</xbrli:startDate>
        <xbrli:endDate>2021-06-09</xbrli:endDate>
      </xbrli:period>
    </xbrli:context>
    <xbrli:unit id="USD">
      <xbrli:measure>iso4217:USD</xbrli:measure>
    </xbrli:unit>
    <xbrli:unit id="Shares">
      <xbrli:measure>xbrli:shares</xbrli:measure>
    </xbrli:unit>
    <xbrli:unit id="USDPShares">
      <xbrli:divide>
        <xbrli:unitNumerator>
          <xbrli:measure>iso4217:USD</xbrli:measure>
        </xbrli:unitNumerator>
        <xbrli:unitDenominator>
          <xbrli:measure>xbrli:shares</xbrli:measure>
        </xbrli:unitDenominator>
      </xbrli:divide>
    </xbrli:unit>
  </ix:resources>
 </ix:header>
</div>


<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b></b></p>

<!-- Field: Rule-Page --><div style="margin-top: 12pt; margin-bottom: 3pt; width: 100%"><div style="border-top: Black 2pt solid; border-bottom: Black 1pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>&#160;</b></p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>UNITED STATES</b></p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SECURITIES AND EXCHANGE COMMISSION</b></p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Washington, D.C. 20549</b></p>

<!-- Field: Rule-Page --><div style="margin: 3pt auto; width: 10%"><div style="border-top: Black 1pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>



<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>FORM <span id="xdx_90D_edei--DocumentType_c20210609__20210609_zv34jnRfkU5a"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" name="dei:DocumentType">8-K</ix:nonNumeric></span></b></p>

<!-- Field: Rule-Page --><div style="margin: 3pt auto; width: 10%"><div style="border-top: Black 1pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>



<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>CURRENT REPORT</b></p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Pursuant to Section 13 or 15(d)</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>of The Securities Exchange Act of 1934</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b><span id="xdx_909_edei--DocumentPeriodEndDate_c20210609__20210609_zKi7NkA8zJUe"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">June 9, 2021</ix:nonNumeric></span></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Date of Report (Date of earliest event reported)</b></p>

<!-- Field: Rule-Page --><div style="margin: 3pt auto; width: 10%"><div style="border-top: Black 1pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>



<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b><span id="xdx_905_edei--EntityRegistrantName_c20210609__20210609_zZ9jHiOeAUKb"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" name="dei:EntityRegistrantName">CAPITAL ONE FINANCIAL CORPORATION</ix:nonNumeric></span></b>&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>(Exact name of registrant as specified in its
charter)</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

<!-- Field: Rule-Page --><div style="margin: 3pt auto; width: 10%"><div style="border-top: Black 1pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;&#160;</p>



<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="width: 34%">
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b><span id="xdx_90B_edei--EntityIncorporationStateCountryCode_c20210609__20210609_z3m2fHLB7p1a"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" format="ixt-sec:stateprovnameen" name="dei:EntityIncorporationStateCountryCode">Delaware</ix:nonNumeric></span></b></p>

    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>(State or other jurisdiction</b></p>

    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>of incorporation)</b></p>
</td>
    <td style="width: 33%">
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b><span id="xdx_904_edei--EntityFileNumber_c20210609__20210609_zrhtE28LWmIb"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" name="dei:EntityFileNumber">001-13300</ix:nonNumeric></span></b></p>

    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>(Commission</b></p>

    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>File Number)</b></p>
</td>
    <td style="width: 33%">
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b><span id="xdx_904_edei--EntityTaxIdentificationNumber_c20210609__20210609_zXEQfPWkktvh"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" name="dei:EntityTaxIdentificationNumber">54-1719854</ix:nonNumeric></span></b></p>

    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>(IRS Employer</b></p>

    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Identification No.)</b></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>&#160;</b></p>
</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td>&#160;</td></tr>
  </table>
<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="width: 50%">
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b><span id="xdx_902_edei--EntityAddressAddressLine1_c20210609__20210609_zJnavw3AR2Bl"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" name="dei:EntityAddressAddressLine1">1680 Capital One Drive</ix:nonNumeric></span></b></p>

    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b><span id="xdx_904_edei--EntityAddressCityOrTown_c20210609__20210609_z6YBbgTWgIn"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" name="dei:EntityAddressCityOrTown">McLean</ix:nonNumeric></span>, <span id="xdx_902_edei--EntityAddressStateOrProvince_c20210609__20210609_z2Uj2Y9J1E25"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" format="ixt-sec:stateprovnameen" name="dei:EntityAddressStateOrProvince">Virginia</ix:nonNumeric></span> </b></p>

    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>(Address of principal executive offices)</b></p>
</td>
    <td style="width: 50%">
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b><span id="xdx_907_edei--EntityAddressPostalZipCode_c20210609__20210609_z0BAk4UU2kac"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" name="dei:EntityAddressPostalZipCode">22102</ix:nonNumeric></span></b></p>

    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>(Zip Code)</b></p>
</td></tr>
  </table>
<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Registrant&#8217;s telephone number, including
area code: (<span id="xdx_90C_edei--CityAreaCode_c20210609__20210609_ziGQpHQkfj8l"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" name="dei:CityAreaCode">703</ix:nonNumeric></span>) <span id="xdx_909_edei--LocalPhoneNumber_c20210609__20210609_z44eSyjz45Vd"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" name="dei:LocalPhoneNumber">720-1000</ix:nonNumeric></span></p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Not applicable)</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former name or former address, if changed
since last report)</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

<!-- Field: Rule-Page --><div style="margin: 3pt auto; width: 10%"><div style="border-top: Black 1pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>



<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2.
below):</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif"><span id="xdx_90E_edei--WrittenCommunications_c20210609__20210609_zDcwyE6zTneg"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" format="ixt:booleanfalse" name="dei:WrittenCommunications">&#9744;</ix:nonNumeric></span></span></td><td>Written communications pursuant to Rule 425 under the Securities
Act (17 CFR 230.425)</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif"><span id="xdx_902_edei--SolicitingMaterial_c20210609__20210609_z2V9x7NlUs3a"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" format="ixt:booleanfalse" name="dei:SolicitingMaterial">&#9744;</ix:nonNumeric></span></span></td><td>Soliciting material pursuant to Rule 14a-12 under the Exchange
Act (17 CFR 240.14a-12)</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif"><span id="xdx_903_edei--PreCommencementTenderOffer_c20210609__20210609_zGT3r60OYxbe"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" format="ixt:booleanfalse" name="dei:PreCommencementTenderOffer">&#9744;</ix:nonNumeric></span></span></td><td>Pre-commencement communications pursuant to Rule 14d-2(b) under
the Exchange Act (17 CFR 240.14d-2(b))</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top">
<td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif"><span id="xdx_90D_edei--PreCommencementIssuerTenderOffer_c20210609__20210609_zI1cAzsSRPRk"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" format="ixt:booleanfalse" name="dei:PreCommencementIssuerTenderOffer">&#9744;</ix:nonNumeric></span></span></td><td>Pre-commencement communications pursuant to Rule 13e-4(c) under
the Exchange Act (17 CFR 240.13e-4(c))</td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Securities registered pursuant to Section
12(b) of the Act:</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="width: 34%">
    <p style="border-bottom: Black 0.5pt solid; font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Title of
    each class</p>
</td>
    <td style="width: 33%">
    <p style="border-bottom: Black 0.5pt solid; font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Trading Symbol(s)</p>
</td>
    <td style="width: 33%">
    <p style="border-bottom: Black 0.5pt solid; font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Name of Each
    Exchange on Which Registered</p>
</td></tr>
  <tr style="vertical-align: top">
    <td style="font-size: 10pt; text-align: center"><span id="xdx_907_edei--Security12bTitle_c20210609__20210609__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z5Vz80pvKY0a"><ix:nonNumeric contextRef="From2021-06-092021-06-09_us-gaap_CommonStockMember" name="dei:Security12bTitle">Common Stock (par value $.01 per share)</ix:nonNumeric></span></td>
    <td style="font-size: 10pt; text-align: center"><span id="xdx_907_edei--TradingSymbol_c20210609__20210609__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zDOHlYFk82Hd"><ix:nonNumeric contextRef="From2021-06-092021-06-09_us-gaap_CommonStockMember" name="dei:TradingSymbol">COF</ix:nonNumeric></span></td>
    <td style="font-size: 10pt; text-align: center"><span id="xdx_901_edei--SecurityExchangeName_c20210609__20210609__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zYKxrvRAfmj1"><ix:nonNumeric contextRef="From2021-06-092021-06-09_us-gaap_CommonStockMember" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange</ix:nonNumeric></span></td></tr>

<tr style="vertical-align: top">
    <td style="width: 37%; text-align: center"><span id="xdx_90A_edei--Security12bTitle_c20210609__20210609__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesGPreferredStockMember_zDRAGhQiHfq2"><ix:nonNumeric contextRef="From2021-06-092021-06-09_us-gaap_SeriesGPreferredStockMember" name="dei:Security12bTitle">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series G</ix:nonNumeric></span></td>
    <td style="width: 30%; text-align: center"><span id="xdx_905_edei--TradingSymbol_c20210609__20210609__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesGPreferredStockMember_zEQkKPKofAq6"><ix:nonNumeric contextRef="From2021-06-092021-06-09_us-gaap_SeriesGPreferredStockMember" name="dei:TradingSymbol">COF PRG</ix:nonNumeric></span></td>
    <td style="width: 33%; text-align: center"><span id="xdx_90F_edei--SecurityExchangeName_c20210609__20210609__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesGPreferredStockMember_z6jtxNlP7ptk"><ix:nonNumeric contextRef="From2021-06-092021-06-09_us-gaap_SeriesGPreferredStockMember" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange</ix:nonNumeric></span></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><span id="xdx_90F_edei--Security12bTitle_c20210609__20210609__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesHPreferredStockMember_zIg9O6Ib4gH3"><ix:nonNumeric contextRef="From2021-06-092021-06-09_us-gaap_SeriesHPreferredStockMember" name="dei:Security12bTitle">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series H</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_90C_edei--TradingSymbol_c20210609__20210609__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesHPreferredStockMember_zhYvLK3t3kee"><ix:nonNumeric contextRef="From2021-06-092021-06-09_us-gaap_SeriesHPreferredStockMember" name="dei:TradingSymbol">COF PRH</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_909_edei--SecurityExchangeName_c20210609__20210609__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesHPreferredStockMember_zH0rEuAqslne"><ix:nonNumeric contextRef="From2021-06-092021-06-09_us-gaap_SeriesHPreferredStockMember" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange</ix:nonNumeric></span></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><span id="xdx_901_edei--Security12bTitle_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeriesIPreferredStockMember_zDBhyp2dT6Q"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeriesIPreferredStockMember" name="dei:Security12bTitle">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series I</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_909_edei--TradingSymbol_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeriesIPreferredStockMember_zHyJZXTirhNl"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeriesIPreferredStockMember" name="dei:TradingSymbol">COF PRI</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_909_edei--SecurityExchangeName_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeriesIPreferredStockMember_zEJaF0dtU6Sd"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeriesIPreferredStockMember" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange</ix:nonNumeric></span></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><span id="xdx_903_edei--Security12bTitle_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeriesJPreferredStockMember_zXSq7ymhI6Qk"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeriesJPreferredStockMember" name="dei:Security12bTitle">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series J</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_909_edei--TradingSymbol_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeriesJPreferredStockMember_zkEIXELBZYXg"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeriesJPreferredStockMember" name="dei:TradingSymbol">COF PRJ</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_905_edei--SecurityExchangeName_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeriesJPreferredStockMember_zgRpLoAGBVCg"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeriesJPreferredStockMember" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange</ix:nonNumeric></span></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><span id="xdx_90D_edei--Security12bTitle_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeriesKPreferredStockMember_zPMKim8TkFN6"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeriesKPreferredStockMember" name="dei:Security12bTitle">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_905_edei--TradingSymbol_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeriesKPreferredStockMember_zWUh7cakcjK2"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeriesKPreferredStockMember" name="dei:TradingSymbol">COF PRK</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_90D_edei--SecurityExchangeName_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeriesKPreferredStockMember_zyPrc9R0r8Xc"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeriesKPreferredStockMember" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange</ix:nonNumeric></span></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><span id="xdx_90E_edei--Security12bTitle_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeriesLPreferredStockMember_zqtDs6wwCKa7"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeriesLPreferredStockMember" name="dei:Security12bTitle">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series L</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_90F_edei--TradingSymbol_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeriesLPreferredStockMember_za75q8GMGlci"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeriesLPreferredStockMember" name="dei:TradingSymbol">COF PRL</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_90E_edei--SecurityExchangeName_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeriesLPreferredStockMember_zEnnzDjqpSrg"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeriesLPreferredStockMember" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange</ix:nonNumeric></span></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><span id="xdx_90B_edei--Security12bTitle_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeniorNotesDue2024Member_z2JDgkWoNtO6"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeniorNotesDue2024Member" name="dei:Security12bTitle">0.800% Senior Notes Due 2024</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_90E_edei--TradingSymbol_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeniorNotesDue2024Member_zQTcsmk4lqA3"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeniorNotesDue2024Member" name="dei:TradingSymbol">COF24</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_909_edei--SecurityExchangeName_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeniorNotesDue2024Member_zqO870H2LM4g"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeniorNotesDue2024Member" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange</ix:nonNumeric></span></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><span id="xdx_90A_edei--Security12bTitle_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeniorNotesDue2029Member_zCQ6HuAte5ad"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeniorNotesDue2029Member" name="dei:Security12bTitle">1.650% Senior Notes Due 2029</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_904_edei--TradingSymbol_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeniorNotesDue2029Member_z6ZaIuDgNiq8"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeniorNotesDue2029Member" name="dei:TradingSymbol">COF29</ix:nonNumeric></span></td>
    <td style="text-align: center"><span id="xdx_90F_edei--SecurityExchangeName_c20210609__20210609__us-gaap--StatementClassOfStockAxis__custom--SeniorNotesDue2029Member_zpx0uBj0NIy1"><ix:nonNumeric contextRef="From2021-06-092021-06-09_custom_SeniorNotesDue2029Member" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New York Stock Exchange</ix:nonNumeric></span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Indicate by check mark whether the registrant is an emerging growth
company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange
Act of 1934 (&#167;240.12b-2 of this chapter).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Emerging growth company <span style="font-family: Times New Roman, Times, Serif"><span id="xdx_90E_edei--EntityEmergingGrowthCompany_c20210609__20210609_zDYrCV1y8RSa"><ix:nonNumeric contextRef="From2021-06-09to2021-06-09" format="ixt:booleanfalse" name="dei:EntityEmergingGrowthCompany">&#9744;</ix:nonNumeric></span></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If an emerging growth company, indicate by check mark if the registrant
has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant
to Section 13(a) of the Exchange Act. <span style="font-family: Times New Roman, Times, Serif">&#9744;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<!-- Field: Rule-Page --><div style="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><div style="border-top: Black 1pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->


<!-- Field: Page; Sequence: 1 -->
    <div style="margin-bottom: 6pt"><table cellpadding="0" cellspacing="0" style="width: 100%"><tr><td style="text-align: center; width: 100%">&#160;</td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt"><table cellpadding="0" cellspacing="0" style="width: 100%"><tr><td style="text-align: center; width: 100%">&#160;</td></tr></table></div>
    <!-- Field: /Page -->

<table cellpadding="0" cellspacing="0" style="font: bold 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 1in">Item 3.03</td><td>Material Modification to Rights of Security Holders.</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On June 10, 2021, Capital One Financial Corporation (the &#8220;Company&#8221;)
issued and sold 1,000,000 shares of the Company&#8217;s 3.950% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M, $0.01
par value (the &#8220;Series M Preferred Stock&#8221;), with a liquidation preference of $1,000 per share. The Company filed a Certificate
of Designations (the &#8220;Certificate of Designations&#8221;) with the Secretary of State of the State of Delaware, establishing the
voting rights, powers, preferences and privileges, and the relative, participating, optional or other rights, and the qualifications,
limitations or restrictions thereof, of the Series M Preferred Stock on June 9, 2021.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Under the terms of the Series M Preferred Stock, the ability of the
Company to pay dividends on, make distributions with respect to, or to repurchase, redeem or acquire its common stock or any preferred
stock ranking on parity with or junior to the Series M Preferred Stock, is subject to restrictions in the event that the Company does
not declare and either pay or set aside a sum sufficient for payment of dividends on the Series M Preferred Stock for the immediately
preceding dividend period.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The description of the terms of the Series M Preferred Stock is qualified
in its entirety by reference to the Certificate of Designations, which is included as Exhibit 3.1 to this Current Report on Form 8-K and
is incorporated by reference herein.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: bold 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 1in">Item 5.03</td><td>Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year.</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Certificate of Designations became effective upon filing with the
Secretary of State of the State of Delaware and it amends the Company&#8217;s Restated Certificate of Incorporation. The terms of the
Series M Preferred Stock are more fully described in Item 3.03 of this Current Report on Form 8-K and the Certificate of Designations
which is included as Exhibit 3.1 to this Current Report on Form 8-K, both of which are incorporated by reference herein.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: bold 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 1in">Item 8.01</td><td>Other Events.</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On June 7, 2021, the Company entered into an Underwriting Agreement
(the &#8220;Underwriting Agreement&#8221;) with Barclays Capital Inc., Citigroup Global Markets Inc., Credit Suisse Securities (USA) LLC,
Morgan Stanley &amp; Co. LLC and Capital One Securities, Inc., as the representatives of the several underwriters named therein (collectively,
the &#8220;Underwriters&#8221;), pursuant to which the Company agreed to issue and sell to the Underwriters 1,000,000 shares of the Series
M Preferred Stock.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Underwriting Agreement contains customary representations, warranties
and agreements of the Company, conditions to closing, indemnification rights and obligations of the parties, and termination provisions.
Under the terms of the Underwriting Agreement, the Company agreed to indemnify the Underwriters against certain specified types of liabilities,
including liabilities under the Securities Act of 1933, as amended, and to contribute to payments the Underwriters may be required to
make in respect of these liabilities.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The net proceeds of the offering of the 1,000,000 shares were approximately
$987.7 million, after deducting underwriting commissions and estimated offering expenses. The offering was made pursuant to the prospectus
supplement dated June 7, 2021 and the accompanying prospectus dated March 12, 2021, filed with the Securities and Exchange Commission
pursuant to the Company&#8217;s effective registration statement on Form S-3 (File No. 333-254191) (the &#8220;Registration Statement&#8221;).
The following documents are being filed with this Current Report on Form 8-K and are incorporated by reference into the Registration Statement:
(a) the Underwriting Agreement, (b) the Certificate of Designations and (c) a validity opinion with respect to the Series M Preferred
Stock.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: bold 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 1in">Item 9.01</td><td>Financial Statements and Exhibits.</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;Exhibits</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="text-align: center; width: 7%">
<div style="border-bottom: Black 0.5pt solid; padding: 0in 0in 1pt; text-align: center">

    <p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Exhibit</p>
    <p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"></p>
    <p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">No.</p>
    <p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"></p>
</div></td>
    <td style="width: 93%">
    <p style="border-bottom: Black 0.5pt solid; font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Description
    of Exhibit</p>
</td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center">1.1</td>
    <td><span style="color: #000000"><a href="dp152438_ex0101.htm">Underwriting Agreement, dated June 7, 2021</a></span></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center">3.1</td>
    <td><span style="color: #000000"><a href="dp152438_ex0301.htm">Certificate of Designations of Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M, dated June 9, 2021</a></span></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center">5.1</td>
    <td><span style="color: #000000"><a href="dp152438_ex0501.htm">Opinion of Davis Polk &amp; Wardwell LLP</a></span></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center">23.1</td>
    <td><span style="color: #000000"><a href="dp152438_ex0501.htm">Consent of Davis Polk &amp; Wardwell LLP (included in Exhibit 5.1)</a></span></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center">104</td>
    <td>The cover page from this Current Report on Form 8-K, formatted in Inline XBRL</td></tr>
  </table>

<!-- Field: Page; Sequence: 2 -->
    <div style="margin-bottom: 6pt"><table cellpadding="0" cellspacing="0" style="width: 100%"><tr><td style="text-align: center; width: 100%">&#160;</td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt"><table cellpadding="0" cellspacing="0" style="width: 100%"><tr><td style="text-align: center; width: 100%">&#160;</td></tr></table></div>
    <!-- Field: /Page -->

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SIGNATURE</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the requirements of the Securities Exchange Act of 1934,
the Company has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned hereunto duly authorized.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td colspan="2"><b>CAPITAL ONE FINANCIAL CORPORATION</b></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td colspan="2">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td colspan="2">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td style="width: 47%">Date: June 10, 2021</td>
    <td style="width: 6%">&#160;</td>
    <td style="width: 6%">By:</td>
    <td style="border-bottom: Black 1pt solid; width: 41%">/s/ Matthew W. Cooper</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td>Name:</td>
    <td>Matthew W. Cooper</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td>Title:</td>
    <td>General Counsel</td></tr>
  </table>

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>

<p style="margin-top: 0; margin-bottom: 0"></p>

<!-- Field: Rule-Page --><div style="margin: 3pt auto; width: 100%"><div style="border-top: Black 1pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>

</body>
</html>
<!-- Field: Set; Name: xdx; ID: xdx_08B_extensions -->
<!-- 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 -->
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-1.1
<SEQUENCE>2
<FILENAME>dp152438_ex0101.htm
<DESCRIPTION>EXHIBIT 1.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 1.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Execution Version</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">1,000,000 SHARES OF</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">FIXED RATE RESET NON-CUMULATIVE PERPETUAL
PREFERRED</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">STOCK, SERIES M</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">OF</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CAPITAL ONE FINANCIAL CORPORATION</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">UNDERWRITING AGREEMENT</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">June 7, 2021</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Barclays Capital Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">745 Seventh Avenue&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">New York, New York 10019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Citigroup Global Markets Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">388 Greenwich Street&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">New York, New York 10013</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Credit Suisse Securities (USA) LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Eleven Madison Avenue&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">New York, New York 10010</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley &amp; Co. LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">1585 Broadway&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">New York, New York 10036</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Capital One Securities, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">201 St. Charles Avenue&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Suite 1830</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">New Orleans, Louisiana 70170</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As Representatives of the several</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Underwriters named in Schedule I hereto</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dear Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Capital One Financial Corporation, a Delaware corporation
(the &ldquo;Company&rdquo;), proposes to issue and sell to the several underwriters named in Schedule I hereto (the &ldquo;Underwriters&rdquo;),
for whom you are acting as representatives (the &ldquo;Representatives&rdquo;), an aggregate of 1,000,000 shares (the &ldquo;Shares&rdquo;)
of the Company&rsquo;s Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M, par value $0.01 per share, with a liquidation
preference of $1,000 per share (the &ldquo;Preferred Stock&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">1.&nbsp;&nbsp;<U>Registration
Statement and Prospectus</U>. The Company has prepared and filed with the Securities and Exchange Commission (the &ldquo;Commission&rdquo;)
a registration statement on Form&nbsp;S-3 (File No. 333-254191) under the Securities Act of 1933, as amended (the &ldquo;Securities</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 1; Options: NewSection; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">Act&rdquo;)
in respect of its senior debt securities, subordinated debt securities, shares of its preferred stock, depositary shares, shares of its
common stock, purchase contracts, warrants and units (as amended through the date of this Agreement, being herein referred to as the
&ldquo;Registration Statement&rdquo;). Such Registration Statement has become effective. The Registration Statement contains a base prospectus
in the form in which it has most recently been filed with the Commission on or prior to the date of this Agreement (the &ldquo;Base Prospectus&rdquo;),
to be used in connection with the public offering and sale of the Shares. Any preliminary prospectus supplement to the Base Prospectus
that describes the Shares and the offering thereof and is used prior to filing of the Prospectus is called, together with the Base Prospectus,
a &ldquo;preliminary prospectus.&rdquo; The term &ldquo;Prospectus&rdquo; shall mean the final prospectus supplement relating to the
Shares, together with the Base Prospectus, that is first filed pursuant to Rule 424(b) under the Securities Act after the date and time
that this Agreement is executed and delivered by the parties hereto but shall not include any free writing prospectus (as such term is
used in Rule 405 under the Securities Act). Any Prospectus or preliminary prospectus shall be deemed to refer to and include the documents
incorporated by reference therein pursuant to Item 12 of Form S-3 under the Securities Act; any reference to any amendment or supplement
to any preliminary prospectus or the Prospectus shall be deemed to refer to and include any documents filed after the date of such preliminary
prospectus or Prospectus, as the case may be, under the Securities Exchange Act of 1934, as amended, and the rules and regulations promulgated
thereunder (collectively, the &ldquo;Exchange Act&rdquo;), and incorporated by reference in such preliminary prospectus or Prospectus,
as the case may be. The Company also has prepared and filed (or will file) with the Commission the Issuer Free Writing Prospectuses (as
defined below) set forth on Schedule II hereto. All references in this Agreement to the Registration Statement, a preliminary prospectus,
the Prospectus, or any amendments or supplements to any of the foregoing, shall include any copy thereof filed with the Commission pursuant
to its Electronic Data Gathering, Analysis and Retrieval System (&ldquo;EDGAR&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">2.&nbsp;&nbsp;<U>Agreements
to Sell and Purchase</U>. On the basis of the representations and warranties contained in this Agreement, and subject to its terms and
conditions, the Company agrees to issue and sell to the Underwriters, and each Underwriter agrees, severally and not jointly, to purchase
from the Company the respective number of Shares set forth opposite the name of such Underwriter in <U>Schedule I</U> hereto, in each
case at a purchase price (the &ldquo;Purchase Price&rdquo;) of $990 per share after accounting for a discount of $10 per share.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.&nbsp;&nbsp;<U>Terms
of Public Offering</U>. The Company is advised by the Representatives that the Underwriters propose (i) to make a public offering of their
respective portions of the Shares as soon after the execution hereof as practicable and (ii) initially to offer the Shares upon the terms
set forth in the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.&nbsp;&nbsp;<U>Delivery
and Payment</U>. The Company will deliver, or cause to be delivered, the Shares to the Representatives for the account of each Underwriter
against payment by or on behalf of such Underwriter of the Purchase Price by wire transfer of Federal (same-day) funds to the account
specified by the Company to the Representatives at least twenty-four hours in advance, by causing Computershare Trust Company, N.A. and
Computershare Inc., collectively as registrar, to register the Shares in the name of Cede &amp; Co., or such other nominee as DTC may
designate, and shall cause DTC to credit the Shares to the account of Morgan Stanley &amp; Co. LLC at DTC. The time and date of such delivery
and payment shall be 10:00 a.m., New York</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 2; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">City time
on the third business day following the date of the Prospectus (the &ldquo;Closing Date&rdquo;), or such other time and date as the Representatives
and the Company may agree upon in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.&nbsp;&nbsp;<U>Agreements
of the Company</U>. The Company agrees with the Underwriters:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)&nbsp;&nbsp;To file
the Prospectus with the Commission pursuant to Rule 424(b)(5) not later than the second business day following the execution and delivery
of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)&nbsp;&nbsp;During
the period beginning at the Time of Sale (as defined below) and ending on the later of the Closing Date or such date as in the opinion
of counsel for the Underwriters, the Prospectus is no longer required by law to be delivered in connection with sales by an Underwriter
or dealer, including in circumstances where such requirement may be satisfied pursuant to Rule 172 (the &ldquo;Prospectus Delivery Period&rdquo;),
prior to amending or supplementing the Registration Statement, the Disclosure Package (as defined below) or the Prospectus (including
any amendment or supplement through incorporation by reference of any report filed under the Exchange Act), the Company shall furnish
to the Representatives for review a copy of each such proposed amendment or supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)&nbsp;&nbsp;If,
during the Prospectus Delivery Period, any event or development shall occur or condition exist as a result of which the Disclosure Package
or the Prospectus as then amended and supplemented would include any untrue statement of a material fact or omit to state any material
fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading,
or if in the judgment of the Company it shall be necessary to amend or supplement the Disclosure Package or the Prospectus, or to file
under the Exchange Act any document incorporated by reference in the Disclosure Package or the Prospectus, in order to make the statements
therein, in the light of the circumstances under which they were made, not misleading, or if it is otherwise necessary to amend or supplement
the Registration Statement, the Disclosure Package or the Prospectus, or to file under the Exchange Act any document incorporated by reference
in the Disclosure Package or the Prospectus, or to file a new registration statement containing the Prospectus, in order to comply with
law, including in connection with the delivery of the Prospectus, the Company agrees to (i) notify the Representatives of any such event
or condition and (ii) promptly prepare (subject to paragraph (b) above), file with the Commission (and use its best efforts to have any
amendment to the Registration Statement or any new registration statement be declared effective) and furnish at its own expense to the
Underwriters and to dealers, amendments or supplements to the Registration Statement, the Disclosure Package or the Prospectus, or any
new registration statement, necessary in order to make the statements in the Disclosure Package or the Prospectus as so amended or supplemented,
in the light of the circumstances then prevailing or under which they were made, not misleading or so that the Registration Statement,
the Disclosure Package or the Prospectus, as amended or supplemented, will comply with law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)&nbsp;&nbsp;The
Company will prepare a final term sheet for the Shares containing only a description of the Shares, in a form approved by the Representatives,
and will file such term sheet pursuant to Rule 433(d) under the Securities Act within the time required by such rule (the &ldquo;Final
Term Sheet&rdquo;). Any such Final Term Sheet is an Issuer Free Writing Prospectus for purposes of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 3; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e)&nbsp;&nbsp;The
Company represents that (other than the Final Term Sheet) it has not made, and agrees that, unless it obtains the prior written consent
of the Representatives, it will not make, any offer relating to the Shares that would constitute an issuer free writing prospectus as
defined in Rule 433 of the Securities Act (each, an &ldquo;Issuer Free Writing Prospectus&rdquo;) or that would otherwise constitute a
&ldquo;free writing prospectus&rdquo; as defined in Rule 405 of the Securities Act) required to be filed by the Company with the Commission
or retained by the Company under Rule 433 of the Securities Act; provided that the prior written consent of the Representatives shall
be deemed to have been given in respect of any Free Writing Prospectus included in Schedule II hereto. Any such free writing prospectus
consented to by the Representatives is hereinafter referred to as a &ldquo;Permitted Free Writing Prospectus.&rdquo; The Company agrees
that (i) it has treated and will treat, as the case may be, each Permitted Free Writing Prospectus as an Issuer Free Writing Prospectus,
and (ii) has complied or will comply, as the case may be, with the requirements of Rules 164 and 433 of the Securities Act applicable
to any Permitted Free Writing Prospectus, including in respect of timely filing with the Commission, legending and record keeping. The
Company consents to the use by any Underwriter of (i) a free writing prospectus that contains no &ldquo;issuer information&rdquo; (as
defined in Rule 433(h)(2) under the Securities Act) that was not included (including through incorporation by reference) in the Prospectus
or a previously filed Issuer Free Writing Prospectus, (ii) any Issuer Free Writing Prospectus listed on Schedule II hereto, or (iii) (x)
information describing the preliminary terms of the Shares or their offering or (y) information that describes the final terms of the
Shares or their offering and that is included in the Final Term Sheet.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(f)&nbsp;&nbsp;To advise
the Representatives promptly and, if requested by the Representatives, to confirm such advice in writing, (i) of any request by the Commission
for amendments to the Registration Statement or amendments or supplements to the Prospectus or the Disclosure Package or for additional
information, (ii) of the issuance by the Commission of any stop order suspending the effectiveness of the Registration Statement or of
the suspension of qualification of the Shares for offering or sale in any jurisdiction, or the initiation of any proceeding for such purposes,
and (iii) of the happening of any event during the Prospectus Delivery Period which makes any statement of a material fact made in the
Registration Statement or the Prospectus untrue or which requires the making of any additions to or changes in the Registration Statement
or the Prospectus in order to make the statements therein not misleading. To prepare and file with the Commission, promptly upon the Representatives&rsquo;
reasonable request, any amendment or supplement to the Registration Statement, the Base Prospectus, the Prospectus or the Disclosure Package
which may be necessary or advisable in connection with the distribution of the Shares by the Underwriters, and to use its best efforts
to cause any such post-effective amendment to the Registration Statement to become promptly effective. If at any time the Commission shall
issue any stop order suspending the effectiveness of the Registration Statement, the Company will make every reasonable effort to obtain
the withdrawal or lifting of such order at the earliest possible time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(g)&nbsp;&nbsp;To furnish
to each Underwriter, without charge, signed copies of the Registration Statement as first filed with the Commission and of each amendment
to it, including all exhibits, and to furnish to each Underwriter such number of conformed copies of the Registration Statement as so
filed and of each amendment to it, without exhibits, as such Underwriter may reasonably request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 4; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(h)&nbsp;&nbsp;During
the Prospectus Delivery Period, to furnish to each Underwriter and dealer as many copies of the Base Prospectus and the Prospectus (each
as amended or supplemented) as such Underwriter or dealer may reasonably request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(i)&nbsp;&nbsp;Prior
to any public offering of the Shares, to cooperate with the Representatives and counsel for the Underwriters in connection with the registration
or qualification of the Shares for offer and sale by the several Underwriters and by dealers under the state securities or Blue Sky laws
of such jurisdictions as the Representatives may request, to continue such qualification in effect so long as required for distribution
of the Shares and to file such consents to service of process or other documents as may be necessary in order to effect such registration
or qualification, provided that in no event shall the Company be obligated to qualify to do business in any jurisdiction where it is not
so qualified or take any action that would subject it to service of process in suits other than those arising out of the offering or sale
of the Shares in any jurisdiction where it is not now so subject.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(j)&nbsp;&nbsp;To make
generally available to its security holders as soon as reasonably practicable an earnings statement covering a period of at least twelve
months after the effective date of the Registration Statement which shall satisfy the provisions of Section 11(a) of the Securities Act
and Rule 158 under the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(k)&nbsp;&nbsp;If at
any time during the five year period after the date of this Agreement, the Company ceases to file reports with the Commission pursuant
to Section 13 or 15(d) of the Exchange Act, (i) to mail as soon as reasonably practicable after the end of each fiscal year to the record
holders of the Shares a financial report of the Company and its subsidiaries on a consolidated basis (and a similar financial report of
all unconsolidated subsidiaries, if any), all such financial reports to include a consolidated balance sheet, a consolidated statement
of operations, a consolidated statement of cash flows and a consolidated statement of changes in stockholders&rsquo; equity as of the
end of and for such fiscal year, together with comparable information as of the end of and for the preceding year, certified by independent
certified public accountants, and (ii) to mail and make generally available as soon as reasonably practicable after the end of each quarterly
period (except for the last quarterly period of each fiscal year) to such holders, a consolidated balance sheet, a consolidated statement
of operations and a consolidated statement of cash flows (and similar financial reports of all unconsolidated subsidiaries, if any) as
of the end of and for such period, and for the period from the beginning of such year to the close of such quarterly period, together
with comparable information for the corresponding periods of the preceding year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(l)&nbsp;&nbsp;To pay
all costs, expenses, fees and taxes incident to (i) the preparation, printing, filing and distribution under the Securities Act of the
Base Prospectus, each preliminary prospectus and all amendments and supplements to any of them prior to or during the Prospectus Delivery
Period, any Issuer Free Writing Prospectus and the Disclosure Package, (ii) the printing and delivery of the Prospectus and all amendments
or supplements to it during the Prospectus Delivery Period, (iii) the registration or qualification of the Shares for offer and sale under
the securities or Blue Sky laws of the several states (including in each case the fees and disbursements of counsel for the Underwriters
relating to such registration or qualification and memoranda relating thereto), (iv) filings and clearance with the Financial Industry
Regulatory Authority, Inc. in connection with the offering, (v) furnishing such copies of the Registration</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 5; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">Statement,
the Prospectus and all amendments and supplements thereto as may be requested for use in connection with the offering or sale of the
Shares by the Underwriters or by dealers to whom Shares may be sold, (vi) the rating agencies in connection with the ratings of the Shares,
(vii) the preparation, issuance, execution and delivery of the Shares and (viii) the fees and expenses of any transfer agent or registrar
in connection with the Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(m)&nbsp;&nbsp;To apply
the net proceeds from the sale of the Shares in the manner described under the caption &ldquo;Use of Proceeds&rdquo; in the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(n)&nbsp;&nbsp;To use
its best efforts to do and perform all things required or necessary to be done and performed under this Agreement by the Company prior
to the Closing Date and to satisfy all conditions precedent to the delivery of the Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(o)&nbsp;&nbsp;For
the period ending 30 days after the date of the Prospectus, the Company will not (i) offer, pledge, announce the intention to sell, contract
to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any option, right or warrant to purchase
or otherwise transfer or dispose of, directly or indirectly, any Preferred Stock or depositary shares in respect thereof, any other preferred
stock of the Company (or depositary shares in respect thereof), or any securities convertible into or exercisable or exchangeable for
Preferred Stock, depositary shares in respect thereof, or any other preferred stock of the Company (or depositary shares in respect thereof),
or (ii) enter into any swap or other agreement that transfers, in whole or in part, any of the economic consequences of ownership of Preferred
Stock or depositary shares in respect thereof, whether any such transaction described in clause (i) or (ii) above is to be settled by
delivery of Preferred Stock or depositary shares in respect thereof or such other securities, in cash or otherwise, without the prior
written consent of the Representatives, other than the Preferred Stock to be sold hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(p)&nbsp;&nbsp;Not
to take, directly or indirectly, any action designed to or that could reasonably be expected to cause or result in any stabilization or
manipulation of the price of the Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(q)&nbsp;&nbsp;To maintain
a transfer agent and, if necessary under the jurisdiction of incorporation of the Company, a registrar for the Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">6.&nbsp;&nbsp;<U>Representations
and Warranties of the Company</U>. The Company represents and warrants to each Underwriter on the date hereof, and shall be deemed to
represent and warrant to each Underwriter on the Closing Date, that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)&nbsp;&nbsp;The
Company meets the requirements for use of Form S-3 under the Securities Act. The Registration Statement has become effective; no stop
order suspending the effectiveness of the Registration Statement is in effect, and, to the best of the Company&rsquo;s knowledge, no proceedings
for such purpose are pending before or threatened by the Commission. No order preventing the use of any preliminary prospectus or any
Issuer Free Writing Prospectus has been issued by the Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)&nbsp;&nbsp;(i)
At the time of filing the Registration Statement, (ii) at the time of the most recent amendment thereto for the purposes of complying
with Section 10(a)(3) of the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 6; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">Securities
Act (whether such amendment was by post-effective amendment, incorporated report filed pursuant to Section 13 or 15(d) of the Exchange
Act or form of prospectus), and (iii) at the time the Company or any person acting on its behalf (within the meaning, for this clause
only, of Rule 163(c)) made any offer relating to the Shares in reliance on the exemption of Rule 163, the Company was a &ldquo;well-known
seasoned issuer&rdquo; as defined in Rule 405, including not having been an &ldquo;ineligible issuer&rdquo; as defined in Rule 405.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)&nbsp;&nbsp;The
Registration Statement is an &ldquo;automatic shelf registration statement&rdquo; as defined in Rule 405, that initially became effective
within three years of the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)&nbsp;&nbsp;The
Company has not received from the Commission any notice pursuant to Rule 401(g) objecting to the use of the automatic shelf registration
statement form. If at any time during the Prospectus Delivery Period the Company receives from the Commission a notice pursuant to Rule
401(g)(2) or otherwise ceases to be eligible to use the automatic shelf registration statement form, the Company will (i) promptly notify
the Representatives, (ii) promptly file a new registration statement or post-effective amendment on the proper form relating to the Shares,
in a form satisfactory to the Representatives, (iii) use its best efforts to cause such registration statement or post-effective amendment
to be declared effective as soon as practicable, and (iv) promptly notify the Representatives of such effectiveness. The Company will
take all other action necessary or appropriate to permit the public offering and sale of the Shares to continue as contemplated in the
registration statement that was the subject of the Rule&nbsp;401(g)(2) notice or for which the Company has otherwise become ineligible.
References herein to the Registration Statement shall include such new registration statement or post-effective amendment, as the case
may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e)&nbsp;&nbsp;The
Company agrees to pay the required Commission filing fees relating to the Shares within the time required by Rule 456(b)(1) without regard
to the proviso therein and otherwise in accordance with Rules 456(b) and 457(r).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(f)&nbsp;&nbsp;(i)
At the respective times the Registration Statement and any post-effective amendment thereto became or becomes effective prior to the Closing
Date, neither the Registration Statement nor such amendment included or will include an untrue statement of a material fact or omitted
or will omit to state any material fact required to be stated therein or necessary to make the statements therein not misleading, (ii)
the Registration Statement and the Prospectus comply and, as amended or supplemented, if applicable, as of the date such amendment becomes
effective or such supplement is filed with the Commission, as the case may be, will comply in all material respects with the Securities
Act, (iii) the Prospectus does not contain and, as amended or supplemented, if applicable, as of the date such amendment becomes effective
or such supplement is filed with the Commission, as the case may be, will not contain any untrue statement of a material fact or omit
to state a material fact necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading,
except that the representations and warranties set forth in this paragraph (f) do not apply to statements or omissions in the Registration
Statement or the Prospectus based upon information relating to any Underwriter furnished to the Company in writing by such Underwriter
expressly for use therein, it being understood and agreed that the only such information furnished by or on behalf of any Underwriter
consists of the information described as such in Section 8 hereof and (iv) the documents incorporated by reference in the Prospectus</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 7; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">pursuant
to Item 12 of Form S-3 under the Securities Act, at the time they were or hereafter are filed with the Commission prior to the Closing
Date, complied and will comply in all material respects with the requirements of the Exchange Act, and, when read together and with the
other information in the Prospectus, as of the date of the Prospectus and at all times subsequent thereto up to the Closing Date, did
not and will not contain an untrue statement of material fact or did not and will not omit to state a material fact required to be stated
therein or necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(g)&nbsp;&nbsp;The
term &ldquo;Disclosure Package&rdquo; shall mean (i) the Base Prospectus, including the preliminary prospectus supplement dated June 7,
2021, as amended or supplemented at the Time of Sale (as defined below), and (ii) the Issuer Free Writing Prospectuses, if any, identified
on Schedule II hereto. As of the Time of Sale, the Disclosure Package did not contain any untrue statement of a material fact or omit
to state any material fact necessary in order to make the statements therein, in the light of the circumstances under which they were
made, not misleading. The preceding sentence does not apply to statements in or omissions from the Disclosure Package based upon and in
conformity with written information furnished to the Company by any Underwriter through the Representatives specifically for use therein,
it being understood and agreed that the only such information furnished by or on behalf of any Underwriter consists of the information
described as such in Section 8 hereof. As used in this paragraph and elsewhere in this Agreement &ldquo;Time of Sale&rdquo; shall mean
4:15 p.m., New York City time, on June 7, 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(h)&nbsp;&nbsp;Each
Issuer Free Writing Prospectus does not include any information that conflicts with the information contained in the Registration Statement,
including any document incorporated by reference therein that has not been superseded or modified. The foregoing sentence does not apply
to statements in or omissions from any Issuer Free Writing Prospectus based upon and in conformity with written information furnished
to the Company by any Underwriter through the Representatives specifically for use therein, it being understood and agreed that the only
such information furnished by or on behalf of any Underwriter consists of the information described as such in Section 8 hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(i)&nbsp;&nbsp;The
Company has not distributed and will not distribute, prior to the later of the Closing Date and the completion of the Underwriters&rsquo;
distribution of the Shares, any offering materials in connection with the offering and sale of the Shares other than a preliminary prospectus,
the Prospectus, and any Issuer Free Writing Prospectus reviewed and consented to by the Representatives and included in Schedule II hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(j)&nbsp;&nbsp;The
Company and each of its subsidiaries that is a &ldquo;Significant Subsidiary&rdquo; within the meaning of such term as defined in Rule
1-02 of Regulation S-X of the Commission (the &ldquo;Significant Subsidiaries&rdquo;) is validly existing as a corporation (or, in the
case of each of Capital One Bank (USA), National Association and Capital One, National Association, as a national banking association
organized under the laws of the United States) in good standing under the laws of its jurisdiction of incorporation and has in all material
respects the corporate power and authority to operate its business as it is currently being conducted and to own, lease and operate its
properties, and each is duly qualified and is in good standing as a foreign corporation authorized to do business in each jurisdiction
in which the nature of its</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 8; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">business
or its ownership or leasing of property requires such qualification, except where the failure to be so qualified would not have a material
adverse effect on the Company and its subsidiaries, taken as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(k)&nbsp;&nbsp;All
of the outstanding shares of capital stock of, or other ownership interests in, each of the Company&rsquo;s Significant Subsidiaries have
been duly authorized and validly issued and are fully paid and non-assessable, and are owned by the Company, free and clear of any security
interest, claim, lien, encumbrance or adverse interest of any nature.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(l)&nbsp;&nbsp;The
Company has an authorized capitalization as set forth under the consolidated balance sheet data contained in the Company&rsquo;s Quarterly
Report on Form 10-Q for the quarterly period ended March 31, 2021; all of the outstanding shares of capital stock of the Company have
been duly authorized and validly issued and are fully paid and non-assessable and are not subject to any preemptive or similar rights;
except as described in the Registration Statement, the Prospectus and the Disclosure Package, there are no outstanding rights (including,
without limitation, pre-emptive rights), warrants or options to acquire, or instruments convertible into or exchangeable for, any shares
of capital stock or other equity interest in the Company or any of its subsidiaries, or any contract, commitment, agreement, understanding
or arrangement of any kind relating to the issuance of any capital stock of the Company or any such subsidiary, any such convertible or
exchangeable securities or any such rights, warrants or options; the capital stock of the Company, including the Shares and the Preferred
Stock, conforms in all material respects to the description thereof contained in the Registration Statement, the Prospectus and the Disclosure
Package.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(m)&nbsp;&nbsp;The
Shares have been duly authorized and, when issued and delivered against payment therefor pursuant to this Agreement, the Shares will be
validly issued, fully paid and non-assessable, and will have the rights set forth in the Certificate of Designations for the Preferred
Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(n)&nbsp;&nbsp;This
Agreement has been duly authorized, executed and delivered by the Company and is a valid and binding agreement of the Company enforceable
in accordance with its terms except as may be limited by (i) bankruptcy, insolvency or similar laws affecting creditors&rsquo; rights
generally, (ii) equitable principles of general applicability and (iii) applicable law limiting rights to indemnity and contribution hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(o)&nbsp;&nbsp;Neither
the Company nor any of its Significant Subsidiaries is in violation of its respective charter or by-laws or in default in any material
respect in the performance of any obligation, agreement or condition contained in any bond, debenture, note or other evidence of indebtedness
material to the Company and its subsidiaries, taken as a whole, or in any other agreement, indenture or instrument material to the conduct
of the business of the Company and its subsidiaries, taken as a whole, to which the Company or any of its Significant Subsidiaries is
a party or by which it or any of its Significant Subsidiaries or their respective property is bound.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(p)&nbsp;&nbsp;The
execution, delivery and performance of this Agreement, the issuance and sale of the Shares and compliance by the Company with all the
provisions hereof and thereof and the consummation by the Company of the transactions contemplated hereby and thereby will not require
any consent, approval, authorization or other order of any court, regulatory body,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 9; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">administrative
agency or other governmental body (except those that have been previously received from the U.S. Department of the Treasury and the Federal
Reserve Board and as such may be required under the securities or Blue Sky laws of the various states) and will not conflict with or
constitute a breach of any of the terms or provisions of, or a default under, the charter or by-laws of the Company or any of its Significant
Subsidiaries or any material indenture, agreement, or other instrument to which it or any of its Significant Subsidiaries is a party
or by which it or any of its Significant Subsidiaries or their respective property is bound, or violate or conflict with any laws, administrative
regulations or rulings or court decrees applicable to the Company, any of its Significant Subsidiaries or their respective property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(q)&nbsp;&nbsp;Except
as otherwise set forth in the Disclosure Package, there are no material legal or governmental proceedings pending to which the Company
or any of its subsidiaries is a party or of which any of their respective property is the subject, and, to the best of the Company&rsquo;s
knowledge, no such proceedings are threatened or contemplated. No contract or document of a character required to be described in the
Registration Statement or the Prospectus or to be filed as an exhibit to the Registration Statement is not so described or filed as required.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(r)&nbsp;&nbsp;The
Company and each of its Significant Subsidiaries are in compliance in all material respects with all laws administered by and regulations
of the U.S. Department of Treasury, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the
Office of the Comptroller of the Currency, and any other federal or state bank regulatory authority with jurisdiction over the Company
or any of its subsidiaries (the &ldquo;Bank Regulatory Authorities&rdquo;), other than where such failures to comply would not have a
material adverse effect on the Company and its subsidiaries, taken as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(s)&nbsp;&nbsp;The
Company and each of its subsidiaries has such permits, licenses, franchises and authorizations of governmental or regulatory authorities
(&ldquo;permits&rdquo;), as are necessary to own, lease and operate its respective properties that are material to the Company and its
subsidiaries, taken as a whole, or to the conduct of the business of the Company and its subsidiaries, taken as a whole; the Company and
each of its subsidiaries has fulfilled and performed all of its material obligations with respect to such permits and no event has occurred
which allows, or after notice or lapse of time would allow, revocation or termination thereof or results in any other material impairment
of the rights of the holder of any such permit; and, except as described in the Disclosure Package and the Prospectus, such permits contain
no restrictions that are materially burdensome to the Company and its subsidiaries, taken as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(t)&nbsp;&nbsp;Ernst
&amp; Young LLP are independent public accountants with respect to the Company as required by the Securities Act and by the rules of the
Public Company Accounting Oversight Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(u)&nbsp;&nbsp;The
consolidated financial statements, together with related schedules and notes forming part of the Registration Statement, the Disclosure
Package and the Prospectus (and any amendment or supplement thereto), present fairly in all material respects the consolidated financial
position, results of operations and cash flows of the Company and its consolidated subsidiaries on the basis stated in the Registration
Statement at the respective dates or for the respective periods to which they apply; such statements and related schedules and notes have</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 10; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">been prepared
in accordance with generally accepted accounting principles consistently applied throughout the periods involved, except as disclosed
therein; and the other financial and statistical information and data set forth in the Registration Statement, the Disclosure Package
and the Prospectus (and any amendment or supplement thereto) is, in all material respects, accurately presented and prepared on a basis
consistent with such consolidated financial statements and the books and records of the Company. The interactive data in eXtensible Business
Reporting Language included or incorporated by reference in the Registration Statement, the Disclosure Package and the Prospectus fairly
presents the information called for in all material respects and has been prepared in accordance with the Commission&rsquo;s rules and
guidelines applicable thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(v)&nbsp;&nbsp;The
Company is not, and will not be after giving effect to the consummation of the transactions contemplated by this Agreement, including
the application of the net proceeds from the sale of the Shares, required to register as an &ldquo;investment company&rdquo; under the
provisions of the Investment Company Act of 1940, as amended (the &ldquo;Investment Company Act&rdquo;), and is not required to take any
other action with respect to or under the Investment Company Act for such transactions or the offer and sale of the Shares as contemplated
hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(w)&nbsp;&nbsp;The
Company maintains (i) effective internal control over financial reporting as defined under Rule 13a-15(f) and 15d-15(f) under the Exchange
Act and effective disclosure controls and procedures as defined in Rule 13a-15(e) under the Exchange Act, and (ii) a system of internal
accounting controls sufficient to provide reasonable assurance that (A) transactions are executed in accordance with management&rsquo;s
general or specific authorizations; (B) transactions are recorded as necessary to permit preparation of financial statements in conformity
with generally accepted accounting principles and to maintain asset accountability; (C) access to assets is permitted only in accordance
with management&rsquo;s general or specific authorization; and (D) the recorded accountability for assets is compared with the existing
assets at reasonable intervals and appropriate action is taken with respect to any differences.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(x)&nbsp;&nbsp;Except
as disclosed in the Prospectus and the Disclosure Package, or in any document incorporated by reference therein, since the end of the
Company&rsquo;s most recent audited fiscal year, there has been (i) no material weakness in the Company&rsquo;s internal control over
financial reporting (whether or not remediated) and (ii) no change in the Company&rsquo;s internal control over financial reporting that
has materially affected, or is reasonably likely to materially affect, the Company&rsquo;s internal control over financial reporting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(y)&nbsp;&nbsp;None
of the Company, any of its subsidiaries, or, to the knowledge of the Company, any director, officer, agent, employee or affiliate of the
Company or any of its subsidiaries is aware of or has (i)&nbsp;taken any action, directly or indirectly, that would result in a violation
by such persons of the Foreign Corrupt Practices Act of 1977, as amended, and the rules and regulations thereunder (the &ldquo;FCPA&rdquo;),
including, without limitation, making use of the mails or any means or instrumentality of interstate commerce corruptly in furtherance
of an offer, payment, promise to pay or authorization of the payment of any money, or other property, gift, promise to give, or authorization
of the giving of anything of value to any &ldquo;foreign official&rdquo; (as such term is defined in the FCPA) or any foreign political
party or official thereof or any candidate for foreign political office, in contravention of the FCPA; or (ii)&nbsp;violated or is in</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 11; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">violation
of any provision of the FCPA, or any applicable law or regulation implementing the OECD Convention on Combating Bribery of Foreign Public
Officials in International Business Transactions, or committed an offence under the Bribery Act 2010 of the United Kingdom, or any other
applicable anti-bribery or anti-corruption law. The Company and its subsidiaries have instituted, maintain and enforce, and reasonably
expect to continue to maintain and enforce, policies and procedures designed to ensure compliance with applicable anti-bribery and anti-corruption
laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(z)&nbsp;&nbsp;None
of the Company, any of its subsidiaries or, to the knowledge of the Company, any director, officer, agent, employee or affiliate of the
Company or any of its subsidiaries, is currently the subject or target of any sanctions administered or enforced by the U.S. Office of
Foreign Assets Control of the U.S. Department of the Treasury, the U.S. Department of State, the United Nations Security Council, the
European Union or Her Majesty&rsquo;s Treasury (collectively, &ldquo;Sanctions&rdquo;), or is located or organized in a country or territory
that is the subject or target of Sanctions; and the Company will not directly or indirectly use the proceeds of the offering of the Shares
hereunder, or lend, contribute, or otherwise make available such proceeds to any subsidiary, joint venture partner or other person or
entity, (i) for the purpose of financing the activities of or with any person or entity or in any country or territory that, at the time
of such financing, is the subject or target of Sanctions (ii) in any other manner that will result in a violation of Sanctions by any
person (including any person participating in the offering of the Shares, whether as an underwriter, advisor, investor or otherwise).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(aa)&#9;The operations of the Company and its subsidiaries
are in material compliance with applicable financial recordkeeping and reporting requirements, including those of the Currency and Foreign
Transactions Reporting Act of 1970, as amended, Title III of the Uniting and Strengthening America by Providing Appropriate Tools Required
to Intercept and Obstruct Terrorism Act of 2001 (USA PATRIOT Act), the applicable anti-money laundering statutes of all jurisdictions
in which the Company and its subsidiaries conduct business, the rules and regulations thereunder and any related or similar rules, regulations
or guidelines, issued, administered or enforced by any governmental agency having jurisdiction over the Company and its subsidiaries (collectively,
the &ldquo;Anti-Money Laundering Laws&rdquo;) and no action, suit or proceeding by or before any court or governmental agency, authority
or body or any arbitrator involving the Company or any of its subsidiaries with respect to the Anti-Money Laundering Laws is pending or,
to the best knowledge of the Company, threatened, which could reasonably be expected to have a material adverse effect on the Company
and its subsidiaries, taken as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(bb)&#9;The Company has not taken, directly or indirectly,
any action designed to or that could reasonably be expected to cause or result in any stabilization or manipulation of the price of the
Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(cc)&#9;Except as disclosed in the Prospectus and
the Disclosure Package, or in any document incorporated by reference therein or except as would not reasonably be expected to have a material
adverse effect on the Company and its subsidiaries, taken as a whole, (A)(x) the Company is not aware of any security breach or other
compromise of or relating to any of the Company&rsquo;s information technology and computer systems, networks, websites, applications,
hardware, software, data (including the data of customers, employees, suppliers, vendors and any</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 12; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">other third
party data), equipment or technology (collectively, &ldquo;IT Systems and Data&rdquo;) used in the business of the Company and its subsidiaries;
and (y) the Company and its subsidiaries have not been notified of, and have no knowledge of, any event or condition that would reasonably
be expected to result in, any security breach or other compromise to their IT Systems and Data; and (B) the Company is presently in compliance
with all applicable laws or statutes and all judgments, orders, rules and regulations of any court or arbitrator or governmental or regulatory
authority, internal policies and contractual obligations relating to the privacy and security of IT Systems and Data and to the protection
of such IT Systems and Data from unauthorized use, access, misappropriation or modification. The Company and its subsidiaries have implemented
backup and disaster recovery technology reasonably consistent with industry standards and practices, and have implemented and maintain
controls, policies, procedures and technological safeguards to maintain and protect the integrity, continuous operation, redundancy and
security of their IT Systems and Data reasonably consistent with industry standards and practices, or as required by applicable regulatory
standards.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.&nbsp;&nbsp;<U>Representations
and Warranties of the Underwriters</U>. Each Underwriter hereby represents and agrees that it has not and will not make any offer relating
to the Shares that would constitute a &ldquo;free writing prospectus&rdquo; as defined in Rule 405 under the Securities Act without the
prior consent of the Company or as permitted in Section 5(e) above and that Schedule II hereto is a complete list of any free writing
prospectuses for which the Underwriters have received such consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">8.&nbsp;&nbsp;<U>Indemnification.</U>
(a) The Company agrees to indemnify and hold harmless each Underwriter, each of its directors, officers and agents, and each person, if
any, who controls any Underwriter within the meaning of Section 15 of the Securities Act or Section 20 of the Exchange Act, and each affiliate
of any Underwriter within the meaning of Rule 405 under the Securities Act, from and against any and all losses, claims, damages, liabilities
and judgments arising out of or based upon any untrue statement or alleged untrue statement of a material fact contained in the Registration
Statement, the Prospectus, the Disclosure Package or any Issuer Free Writing Prospectus (each as amended or supplemented if the Company
shall have furnished any amendments or supplements thereto) or any preliminary prospectus, or arising out of or based upon any omission
or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading,
except insofar as such losses, claims, damages, liabilities or judgments are caused by any such untrue statement or omission or alleged
untrue statement or omission based upon information relating to any Underwriter furnished in writing to the Company by or on behalf of
such Underwriter through the Representatives expressly for use therein, it being understood and agreed that the only such information
furnished by or on behalf of any Underwriter consists of the information described as such in Section 8(c).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)&nbsp;&nbsp;In case
any action shall be brought against any indemnified party based upon any preliminary prospectus, the Registration Statement, the Prospectus
or the Disclosure Package or any amendment or supplement thereto and with respect to which indemnity may be sought against the Company,
such indemnified party shall promptly notify the Company in writing and the Company shall have the right to participate therein and, to
the extent that it may elect by written notice delivered to such indemnified party promptly after receiving the aforesaid notice from
such indemnified party, assume the defense thereof, including the employment of</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 13; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">counsel
reasonably satisfactory to such indemnified party and payment of all fees and expenses. Any indemnified party shall have the right to
employ separate counsel in any such action and participate in the defense thereof, but the fees and expenses of such counsel shall be
at the expense of such indemnified party unless (i) the employment of such counsel shall have been specifically authorized in writing
by the Company, (ii) the Company shall have failed to assume the defense and employ counsel or (iii) the named parties to any such action
(including any impleaded parties) include both such indemnified party and the Company and such indemnified party shall have been advised
by such counsel that there may be one or more legal defenses available to it which are different from or additional to those available
to the Company (in which case the Company shall not have the right to assume the defense of such action on behalf of such indemnified
party, it being understood, however, that the Company shall not, in connection with any one such action or separate but substantially
similar or related actions in the same jurisdiction arising out of the same general allegations or circumstances, be liable for the reasonable
fees and expenses of more than one separate firm of attorneys (in addition to any local counsel) for all such indemnified parties, which
firm shall be designated in writing by the Representatives, and that all such reasonable fees and expenses shall be reimbursed as they
are incurred). The Company shall not be liable for any settlement of any such action effected without its written consent but if settled
with the written consent of the Company, the Company agrees to indemnify and hold harmless any indemnified party from and against any
loss or liability by reason of such settlement. No indemnifying party shall, without the prior written consent of the indemnified party,
effect any settlement of any pending or threatened proceeding in respect of which any indemnified party is or could have been a party
and indemnity could have been sought hereunder by such indemnified party, unless such settlement includes (i) an unconditional release
of such indemnified party from all liability on claims that are the subject matter of such proceeding and (ii) does not include any statement
as to, or an admission of, fault, culpability or failure to act by or on behalf of any indemnified party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)&nbsp;&nbsp;Each
Underwriter agrees, severally and not jointly, to indemnify and hold harmless the Company, each of its directors and each of its officers
who signs the Registration Statement and each person controlling the Company within the meaning of Section 15 of the Securities Act or
Section 20 of the Exchange Act, to the same extent as the foregoing indemnity from the Company to each Underwriter but only to the extent
of losses, claims, damages, liabilities and judgments arising out of or based upon information relating to such Underwriter furnished
in writing by or on behalf of such Underwriter expressly for use in the Registration Statement, the Base Prospectus, the Disclosure Package
or the Prospectus. The Representatives confirm that (i) the Underwriters&rsquo; names on the cover page of and appearing in the first
paragraph and in the table appearing under the caption &ldquo;Underwriting (Conflict of Interest)&rdquo; in the preliminary prospectus
supplement and the Prospectus and (ii) the third paragraph, the first and second sentences of the seventh paragraph, the ninth paragraph,
the tenth paragraph, the first sentence of the eleventh paragraph, and the twelfth paragraph under the heading &ldquo;Underwriting (Conflict
of Interest)&rdquo; in the preliminary prospectus supplement and the Prospectus were furnished in writing to the Company by or on behalf
of the Underwriters expressly for use therein. In case any action shall be brought against the Company, any of its directors, any such
officer or any person controlling the Company based on the Registration Statement, the Base Prospectus, any preliminary prospectus or
the Prospectus and in respect of which indemnity may be sought against any Underwriter, the Underwriter shall have the rights and duties
given to the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 14; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">Company,
and the Company, its directors, any such officers and any person controlling the Company shall have the rights and duties given to the
Underwriter, by Section 8(b) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)&nbsp;&nbsp;If the
indemnification provided for in paragraphs (a), (b) and (c) of this Section 8 is unavailable to an indemnified party in respect of any
losses, claims, damages, liabilities or judgments referred to therein, then each indemnifying party, in lieu of indemnifying such indemnified
party, shall contribute to the amount paid or payable by such indemnified party as a result of such losses, claims, damages, liabilities
and judgments (i) in such proportion as is appropriate to reflect the relative benefits received by the indemnifying party on the one
hand and the indemnified party on the other hand from the offering of the Shares or (ii) if the allocation provided by clause (i) above
is not permitted by applicable law, in such proportion as is appropriate to reflect not only the relative benefits referred to in clause
(i) above but also the relative fault of the indemnifying party on the one hand and the indemnified party on the other hand in connection
with the statements or omissions which resulted in such losses, claims, damages, liabilities or judgments, as well as any other relevant
equitable considerations. The relative benefits received by the Company and the Underwriters shall be deemed to be in the same respective
proportion as the total net proceeds from the offering of the Shares (before deducting expenses) received by the Company, and the total
underwriting discounts and commissions received by the Underwriters, bear to the total price to the public of the Shares, in each case
as set forth in the table on the cover page of the Prospectus. The relative fault of the Company and the Underwriters shall be determined
by reference to, among other things, whether the untrue or alleged untrue statement of a material fact or the omission to state a material
fact relates to information supplied by the Company or the Underwriters and the parties&rsquo; relative intent, knowledge, access to information
and opportunity to correct or prevent such statement or omission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Company and the Underwriters agree that it
would not be just and equitable if contribution pursuant to this Section 8(d) were determined by pro rata allocation (even if the Underwriters
were treated as one entity for such purpose) or by any other method of allocation which does not take account of the equitable considerations
referred to in the immediately preceding paragraph. The amount paid or payable by an indemnified party as a result of the losses, claims,
damages, liabilities or judgments referred to in the immediately preceding paragraph shall be deemed to include, subject to the limitations
set forth above, any legal or other expenses reasonably incurred by such indemnified party in connection with investigating or defending
any such action or claim. Notwithstanding the provisions of this Section 8, no Underwriter shall be required to contribute any amount
in excess of the amount by which the total price at which the Shares underwritten by it and distributed to the public were offered to
the public exceeds the amount of any damages which such Underwriter has otherwise been required to pay by reason of such untrue or alleged
untrue statement or omission or alleged omission. No person guilty of fraudulent misrepresentation (within the meaning of Section 11(f)
of the Securities Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. The
Underwriters&rsquo; respective obligations to contribute pursuant to this Section 8(d) are several in proportion to the respective number
of Shares purchased by each of the Underwriters hereunder and not joint.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">For purposes of this Section 8, each person, if
any, who controls an Underwriter within the meaning of Section 15 of the Securities Act or Section 20 of the Exchange Act and each</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 15; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">Underwriter&rsquo;s
affiliates, officers, directors and agents shall have the same rights to contribution as such Underwriter, and each director of the Company,
each officer of the Company who signed the Registration Statement, and each person, if any, who controls the Company within the meaning
of Section 15 of the Securities Act or Section 20 of the Exchange Act shall have the same rights to contribution as the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">9.&nbsp;&nbsp;<U>Conditions
of Underwriters&rsquo; Obligations</U>. The several obligations of the Underwriters to purchase the Shares under this Agreement are subject
to the satisfaction of each of the following conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)&nbsp;&nbsp;All
the representations and warranties of the Company contained in this Agreement shall be true and correct on the Closing Date with the same
force and effect as if made on and as of the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)&nbsp;&nbsp;The
Prospectus shall have been filed with the Commission in the manner and within the time period required by Rule 424(b) under the Securities
Act, and at the Closing Date, no stop order suspending the effectiveness of the Registration Statement shall have been issued and no proceedings
for that purpose shall have been commenced or shall be pending before or, to the best knowledge of the Company, contemplated by the Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)&nbsp;&nbsp;The
Final Term Sheet and any other material required to be filed by the Company pursuant to Rule 433(d) under the Securities Act, shall have
been filed with the Commission within the applicable time periods prescribed for such filings under Rule 433.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)&nbsp;&nbsp;Subsequent
to the execution and delivery of this Agreement and prior to the Closing Date, there shall not have been any downgrading, nor shall any
notice have been given of any intended or potential downgrading or of any review for a possible change that does not indicate the direction
of the possible change, in the rating accorded any of the Company&rsquo;s securities by any &ldquo;nationally recognized statistical rating
organization,&rdquo; as such term is defined under Section 3(a)(62) of the Exchange Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e)&nbsp;&nbsp;(i)
Since the date of the latest balance sheet included in the Registration Statement and the Prospectus, there shall not have been any material
adverse change, or any development involving a prospective material adverse change, in the condition, financial or otherwise, or in the
earnings, affairs or business prospects, whether or not arising in the ordinary course of business, of the Company and its subsidiaries
taken as a whole, except as set forth or contemplated in the Registration Statement and the Prospectus, (ii) since the date of the latest
balance sheet included in the Registration Statement and the Prospectus there shall not have been any material adverse change, or any
development involving a prospective material adverse change, in the capital stock or in the long-term debt of the Company from that set
forth or contemplated in the Registration Statement and Prospectus, (iii) the Company and its subsidiaries shall have no liability or
obligation, direct or contingent, which is material to the Company and its subsidiaries, taken as a whole, other than those reflected
in the Registration Statement and the Prospectus and (iv) on the Closing Date, the Underwriters shall have received a certificate dated
the Closing Date, signed by the Treasurer of the Company, confirming the matters set forth in paragraphs (a), (b), (c), (d) and (e) (i)
&ndash; (iii) of this Section 9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 16; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(f)&nbsp;&nbsp;The
Underwriters shall have received on the Closing Date an opinion (reasonably satisfactory to the Representatives and counsel for the Underwriters,
as applicable), dated the Closing Date, of the Chief Counsel, Corporate Advisory, Securities and Transactions, or the General Counsel
of the Company or such other person as the Representatives and the Company may agree. The opinion of such counsel shall be rendered to
the Underwriters at the request of the Company and shall so state therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(g)&nbsp;&nbsp;The
Underwriters shall have received on the Closing Date an opinion (reasonably satisfactory to the Representatives and counsel for the Underwriters,
as applicable), dated the Closing Date, of Davis Polk &amp; Wardwell LLP, special counsel to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(h)&nbsp;&nbsp;The
Underwriters shall have received on the Closing Date, an opinion, dated the Closing Date, of Mayer Brown LLP, counsel for the Underwriters,
covering such matters as the Representatives may request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(i)&nbsp;&nbsp;The
Underwriters shall have received letters on and as of the date hereof and on and as of the Closing Date, in form and substance satisfactory
to the Representatives, from Ernst &amp; Young LLP, independent public accountants, with respect to the financial statements and certain
financial information of the Company contained in the Registration Statement, any preliminary prospectus and the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(j)&nbsp;&nbsp;The
Company shall not have failed at or prior to the Closing Date to perform or comply with any of the agreements herein contained and required
to be performed or complied with by the Company at or prior to the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">10.&nbsp;&nbsp;<U>Effective
Date of Agreement and Termination</U>. This Agreement shall become effective upon the execution of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This Agreement may be terminated at any time prior
to the Closing Date by the Representatives by written notice to the Company if any of the following has occurred: (i) since the respective
dates as of which information is given in the Registration Statement and the Prospectus and since the Time of Sale, any material adverse
change or development involving a prospective material adverse change (including, without limitation, the enactment, publication, decree
or other promulgation of any federal or state statute, regulation, rule or order of any court or other governmental authority) in the
condition, financial or otherwise, of the Company and its subsidiaries taken as a whole or the earnings, affairs, or business prospects
of the Company and its subsidiaries taken as a whole, whether or not arising in the ordinary course of business, which would, in the judgment
of the Representatives, make it impracticable to market the Shares on the terms and in the manner contemplated in the Prospectus, (ii)
any outbreak or escalation of hostilities or other national or international calamity or crisis (including, without limitation, an act
of terrorism) or change in economic conditions or in the financial markets of the United States or elsewhere that, in the judgment of
the Representatives, is material and adverse and would, in the judgment of the Representatives, make it impracticable to market the Shares
on the terms and in the manner contemplated in the Prospectus, (iii) the suspension or material limitation of trading in securities generally,
or in the securities of the Company listed, on the NYSE, the NYSE American or The Nasdaq Stock Market, or a limitation on prices on any
such exchange, (iv) a material disruption in securities settlement that makes it impracticable to deliver</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 17; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">the Shares
in the manner contemplated by the Prospectus, or (v) the taking of any action by any federal, state or local government or agency in
respect of its monetary or fiscal affairs which in the opinion of the Representatives has a material adverse effect on the financial
markets in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If on the Closing Date any one or more of the Underwriters
shall fail or refuse to purchase and pay for any of the Shares which it or they have agreed to purchase hereunder on such date and the
number of Shares which such defaulting Underwriter or Underwriters, as the case may be, agreed but failed or refused to purchase is not
more than one-tenth of the total number of Shares to be purchased on such date by all Underwriters, each non-defaulting Underwriter shall
be obligated severally, in the proportion which the number of Shares set forth opposite its name in <U>Schedule I</U> bears to the total
number of Shares which all the non-defaulting Underwriters, as the case may be, have agreed to purchase, or in such other proportion as
the Representatives may specify, to purchase the Shares which such defaulting Underwriter or Underwriters, as the case may be, agreed
but failed or refused to purchase on such date; provided that in no event shall the number of Shares which any Underwriter has agreed
to purchase pursuant to Section 2 hereof be increased pursuant to this Section 10 by an amount in excess of one-ninth of the number of
Shares without the written consent of such Underwriter. If on the Closing Date any Underwriter or Underwriters shall fail or refuse to
purchase Shares and the aggregate number of Shares with respect to which such default occurs is more than one-tenth of the aggregate number
of Shares to be purchased on such date by all Underwriters and arrangements satisfactory to the Representatives and the Company for purchase
of such Shares are not made within 48 hours after such default, this Agreement will terminate without liability on the part of any non-defaulting
Underwriter and the Company. In any such case which does not result in termination of this Agreement, either the Representatives or the
Company shall have the right to postpone the Closing Date, but in no event for longer than seven days, in order that the required changes,
if any, in the Registration Statement and the Prospectus or any other documents or arrangements may be effected. Any action taken under
this paragraph shall not relieve any defaulting Underwriter from liability in respect of any default of any such Underwriter under this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">11.&nbsp;&nbsp;<U>No
Agency or Fiduciary Duty</U>. The Company acknowledges and agrees that: (i) the purchase and sale of the Shares pursuant to this Agreement,
including the determination of the public offering price of the Shares and any related discounts and commissions, is an arm&rsquo;s length
commercial transaction between the Company, on the one hand, and the several Underwriters, on the other hand, and the Company is capable
of evaluating and understanding and understands and accepts the terms, risks and conditions of the transactions contemplated by this Agreement;
(ii) in connection with each transaction contemplated hereby, each Underwriter is and has been acting solely as a principal and is not
the agent or fiduciary of the Company or its affiliates, stockholders, creditors or employees or any other party; (iii) no Underwriter
has assumed an advisory, agency or fiduciary responsibility in favor of the Company with respect to any of the transactions contemplated
hereby (irrespective of whether such Underwriter has advised or is currently advising the Company on other matters) and no Underwriter
has any obligation to the Company with respect to the offering contemplated hereby except the obligations expressly set forth in this
Agreement; (iv) the several Underwriters and their respective affiliates may be engaged in a broad range of transactions that involve
interests that</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 18; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">differ from
those of the Company and the several Underwriters have no obligation to disclose any of such interests by virtue of any advisory, agency
or fiduciary relationship; and (v) the Underwriters have not provided any legal, accounting, regulatory or tax advice with respect to
the offering contemplated hereby and the Company has consulted its own legal, accounting, regulatory and tax advisors to the extent it
deemed appropriate. The Company acknowledges that none of the activities of the Underwriters in connection with the offering of the Shares
constitutes a recommendation, investment advice, or solicitation of any action by the Underwriters with respect to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This Agreement supersedes all prior agreements
and understandings (whether written or oral) among the Company and the several Underwriters, or any of them, with respect to the subject
matter hereof. The Company hereby waives and releases, to the fullest extent permitted by law, any claims that the Company may have against
the several Underwriters with respect to any breach or alleged breach of agency or fiduciary duty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.&nbsp;&nbsp;<U>Recognition
of the U.S. Special Resolution Regimes</U>. (a) In the event that any Underwriter that is a Covered Entity (as defined below) becomes
subject to a proceeding under a U.S. Special Resolution Regime (as defined below), the transfer from such Underwriter of this Agreement,
and any interest and obligation in or under this Agreement, will be effective to the same extent as the transfer would be effective under
the U.S. Special Resolution Regime if this Agreement, and any such interest and obligation, were governed by the laws of the United States
or a state of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)&nbsp;&nbsp;In
the event that any Underwriter that is a Covered Entity or a BHC Act Affiliate (as defined below) of such Underwriter becomes subject
to a proceeding under a U.S. Special Resolution Regime, Default Rights (as defined below) under this Agreement that may be exercised against
such Underwriter are permitted to be exercised to no greater extent than such Default Rights could be exercised under the U.S. Special
Resolution Regime if this Agreement were governed by the laws of the United States or a state of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">For purposes of this Section 12:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&ldquo;BHC Act Affiliate&rdquo; has the
meaning assigned to the term &ldquo;affiliate&rdquo; in, and shall be interpreted in accordance with, 12 U.S.C. &sect; 1841(k).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&ldquo;Covered Entity&rdquo; means any
of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD>a &ldquo;covered entity&rdquo; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect; 252.82(b);</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD>a &ldquo;covered bank&rdquo; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect; 47.3(b); or</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD>a &ldquo;covered FSI&rdquo; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect; 382.2(b).</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>


<!-- Field: Page; Sequence: 19; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->19<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&ldquo;Default Right&rdquo; has the meaning
assigned to that term in, and shall be interpreted in accordance with, 12 C.F.R. &sect;&sect; 252.81, 47.2 or 382.1, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&ldquo;U.S. Special Resolution Regime&rdquo;
means each of (i) the Federal Deposit Insurance Act and the regulations promulgated thereunder and (ii) Title II of the Dodd-Frank Wall
Street Reform and Consumer Protection Act and the regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">13.&nbsp;&nbsp;<U>Miscellaneous</U>.
Notices given pursuant to any provision of this Agreement shall be addressed as follows: (a) if to the Company, to Capital One Financial
Corporation, 1680&nbsp;Capital One Drive, McLean, Virginia 22102, Attention: Vice President, Treasury Capital Markets, and (b) if to the
Underwriters, to Barclays Capital Inc., 745 Seventh Avenue, New York, New York 10019, Attention: Syndicate Registration (Fax: 646-834--8133),
Citigroup Global Markets Inc., 388 Greenwich Street, New York, New York 10013, Attention: General Counsel, Facsimile:&nbsp;(646) 291-1469,
Credit Suisse (USA) LLC, Eleven Madison Avenue, New York, New York 10010, Attention: IBCM-Legal, Facsimile: (212) 325-4296, Morgan Stanley
&amp; Co. LLC, 1585 Broadway, 29th Floor, New York, New York 10036, Attention: Investment Banking Division, Facsimile: (212) 507-8999,
or Capital One Securities Inc., 201 St. Charles Avenue, Suite 1830, New Orleans, Louisiana 70170, Attention: Compliance, or in any case
to such other address as the person to be notified may have requested in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">14.&nbsp;&nbsp;<U>Representations
and Indemnities to Survive</U>. The respective indemnities, contribution agreements, representations, warranties and other statements
of the Company, its officers and directors and of the several Underwriters set forth in or made pursuant to this Agreement shall remain
operative and in full force and effect, and will survive delivery of and payment for the Shares, regardless of (i) any investigation,
or statement as to the results thereof, made by or on behalf of any Underwriter or by or on behalf of the Company, the officers or directors
of the Company or any controlling person of the Company, (ii) acceptance of the Shares and payment for them hereunder and (iii) termination
of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">15.&nbsp;&nbsp;<U>Reimbursement
of Underwriters&rsquo; Expenses</U>. If this Agreement shall be terminated by the Underwriters because of any failure or refusal on the
part of the Company to comply with the terms or to satisfy any of the conditions of this Agreement, the Company agrees to reimburse the
several Underwriters for all out-of-pocket expenses (including the fees and disbursements of counsel) reasonably incurred by them.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">16.&nbsp;&nbsp;<U>Successors</U>.
Except as otherwise provided, this Agreement has been and is made solely for the benefit of and shall be binding upon the Company, the
Underwriters, any director or officer of the Company referred to herein, any controlling persons referred to herein, any agent referred
to herein, any affiliate referred to herein and their respective successors and assigns, all as and to the extent provided in this Agreement,
and no other person shall acquire or have any right under or by virtue of this Agreement. The term &ldquo;successors and assigns&rdquo;
shall not include a purchaser of any of the Shares from any of the several Underwriters merely because of such purchase.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">17.&nbsp;&nbsp;<U>Applicable
Law</U>. This Agreement shall be governed and construed in accordance with the laws of the State of New York without reference to choice
of law principles thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 20; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->20<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">18.&nbsp;&nbsp;<U>Waiver
of Trial by Jury</U>. EACH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE FULLEST EXTENT IT MAY LEGALLY AND EFFECTIVELY DO
SO, ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING (WHETHER SOUNDING IN CONTRACT, TORT, OR OTHERWISE) ARISING OUT OF, OR RELATED
TO, THIS AGREEMENT.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">19.&nbsp;&nbsp;<U>Counterparts;
Electronic Signatures</U>. This Agreement may be executed in any number of counterparts, each of which shall be an original, but all of
which together shall constitute one agreement. Signature pages may be electronically executed and delivered, including by facsimile, any
electronic method complying with the federal ESIGN Act (e.g., DocuSign) or by wet ink signature captured on a pdf email attachment, and
any signature pages so executed and delivered shall be valid and binding for all purposes. The foregoing provision supersedes any other
consent signed by the parties related to the electronic signature and delivery of this Agreement.<BR STYLE="clear: both">
</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 21; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->21<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Please confirm that the foregoing correctly sets
forth the agreement among the Company and the several Underwriters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Very truly yours,</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">CAPITAL ONE FINANCIAL CORPORATION</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;/s/ Thomas A. Feil</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Name: Thomas A. Feil</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title: Senior Vice President and Treasurer</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 22 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Underwriting Agreement] </I></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Accepted:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="text-transform: uppercase">BARCLAYS CAPITAL INC. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="text-transform: uppercase">CITIGROUP GLOBAL MARKETS INC.
</FONT>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="text-transform: uppercase">cREDIT SUISSE SECURITIES (usa)
LLC</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">MORGAN STANLEY &amp; CO. LLC&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CAPITAL ONE SECURITIES, INC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Acting on behalf of themselves and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">the several Underwriters named in&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Schedule I hereto</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="width: 35%"><FONT STYLE="text-transform: uppercase">BARCLAYS CAPITAL INC. </FONT></TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;/s/ Kenneth Chang&nbsp;&nbsp;&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Name:</TD>
    <TD>&nbsp;Kenneth Chang</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Title:</TD>
    <TD>Managing Director</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<!-- Field: Page; Sequence: 23 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Underwriting Agreement] </I></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="width: 35%"><FONT STYLE="text-transform: uppercase">CITIGROUP GLOBAL MARKETS INC. </FONT></TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp; /s/ Adam D. Bordner&nbsp;&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Name:&nbsp;&nbsp;</TD>
    <TD>Adam D. Bordner</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Title:</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<!-- Field: Page; Sequence: 24 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Underwriting Agreement] </I></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="width: 35%"><FONT STYLE="text-transform: uppercase">cREDIT SUISSE SECURITIES (usa) LLC</FONT></TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;/s/ Brian Carlin&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Name:&nbsp;&nbsp;</TD>
    <TD>Brian Carlin</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Title:</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<!-- Field: Page; Sequence: 25 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Underwriting Agreement] </I></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; font-size: 10pt">By:</TD>
    <TD STYLE="width: 35%; font-size: 10pt">&nbsp;MORGAN STANLEY &amp; CO. LLC</TD>
    <TD STYLE="width: 60%; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;/s/ Ian Drewe </TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Name:&nbsp;&nbsp;</TD>
    <TD>Ian Drewe</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Title:</TD>
    <TD>Executive Director</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<!-- Field: Page; Sequence: 26 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Underwriting Agreement] </I></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; font-size: 10pt">By:</TD>
    <TD STYLE="width: 35%; font-size: 10pt">CAPITAL ONE SECURITIES INC.</TD>
    <TD STYLE="width: 60%; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;/s/ Phil Winiecki </TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Name:&nbsp;&nbsp;</TD>
    <TD>Phil Winiecki</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Title:</TD>
    <TD>Managing Director</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<!-- Field: Page; Sequence: 27 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Underwriting Agreement] </I></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SCHEDULE I</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 81%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; border-bottom: Black 1pt solid">Underwriters</P>
</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 17%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 1pt solid">Number of
Shares To Be Purchased&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Barclays Capital Inc. </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">225,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Citigroup Global Markets Inc. .</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">225,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Credit Suisse Securities (USA) LLC </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">225,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Morgan Stanley &amp; Co. LLC </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">225,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Capital One Securities, Inc. </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">50,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Academy Securities, Inc. </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">12,500</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>R. Seelaus &amp; Co., LLC </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">12,500</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Samuel A. Ramirez &amp; Company, Inc. </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">12,500</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Siebert Williams Shank &amp; Co., LLC </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">12,500</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 11pt"><B>&#9;</B></FONT><B>Total </B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; text-align: right"><B>1,000,000</B></TD></TR>
  </TABLE>

<!-- Field: Page; Sequence: 28; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt">SI-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SCHEDULE II</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_002.jpg" ALT="" STYLE="height: 84pt; width: 221.25pt"></P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">1,000,000 SHARES OF</P>

<P STYLE="font: bold 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">3.950% FIXED RATE RESET NON-CUMULATIVE PERPETUAL
PREFERRED STOCK, SERIES M</P>

<P STYLE="font: bold 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Pricing Term Sheet</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Issuer:</FONT></TD>
    <TD STYLE="width: 72%; text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Capital One Financial Corporation</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Security:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Shares of&nbsp;&nbsp;3.950% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M of the Issuer (the &ldquo;Preferred Stock&rdquo;)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Expected Security Ratings:*</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Baa3 / BB / BB+ (Moody&rsquo;s / S&amp;P / Fitch)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Size:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">$1,000,000,000 (1,000,000 shares of Preferred Stock)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Liquidation Preference:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">$1,000 per share of Preferred Stock</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Term:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Perpetual</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Day Count:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">30/360</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Legal Format:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">SEC-Registered </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Trade Date:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">June 7, 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Settlement Date:**</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">June 10, 2021 (T+3)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Public Offering Price:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">$1,000 per share of Preferred Stock</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Gross Proceeds:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">$1,000,000,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Underwriting Discount:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">$10 per share of Preferred Stock</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Net Proceeds (before expenses) to Issuer: </FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">$990,000,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">First Reset Date:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">September 1, 2026</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Reset Date:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">The First Reset Date and each date falling on the fifth anniversary of the preceding reset date. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Reset Period:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">The period from and including the First Reset Date to, but excluding, the next following Reset Date and thereafter each period from and including each Reset Date to, but excluding, the next following Reset Date. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  </TABLE>

<!-- Field: Page; Sequence: 29; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt">SII-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Reset Dividend Determination Date: </FONT></TD>
    <TD STYLE="width: 72%; text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">In respect of any Reset Period, the day falling three business days prior to the beginning of such Reset Period. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Dividend Rate (Non-Cumulative):</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">At a rate per annum equal to (i) 3.950% from the Settlement Date to, but excluding, September 1, 2026; and (ii) for each Reset Period from, and including, September 1, 2026, the &ldquo;five-year treasury rate&rdquo; as defined in the preliminary prospectus supplement dated June 7, 2021, as of the most recent Reset Dividend Determination Date plus 3.157%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Dividend Payment Dates:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">If declared, quarterly in arrears on March 1, June 1, September 1 and December 1 of each year, commencing on September 1, 2021 (short first dividend period). </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Optional Redemption: </FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">The Issuer may, at its option, redeem the Preferred Stock (i) in whole or in part, on any dividend payment date on or after the First Reset Date or, (ii) in whole, but not in part, at any time within 90 days following a &ldquo;regulatory capital treatment event,&rdquo; as defined in the preliminary prospectus supplement dated June 7, 2021, in each case at a redemption price equal to $1,000 per share, plus any declared and unpaid dividends. The holders of Preferred Stock will not have the right to require the Issuer to redeem or purchase their shares of Preferred Stock. Any redemption of the Preferred Stock is subject to the Issuer&rsquo;s receipt of any required prior approval of the Federal Reserve and to the satisfaction of any conditions set forth in the capital regulations or guidelines of the Federal Reserve applicable to the redemption of the Preferred Stock. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Over-Allotment Option:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">None.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Listing:</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 10pt">The Preferred Stock will not be listed on any securities exchange.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">Joint Book-Running Managers:</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt">Barclays Capital Inc., Citigroup Global Markets Inc., Credit Suisse Securities (USA) LLC, Morgan Stanley &amp; Co. LLC and Capital One Securities, Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">Co-Managers</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Academy Securities, Inc., R. Seelaus &amp; Co., LLC, Samuel A. Ramirez &amp; Company, Inc. and Siebert Williams Shank &amp; Co., LLC </FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">CUSIP/ISIN for the Preferred Stock:</FONT></TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt"><FONT STYLE="font-size: 10pt">14040H CF0 / US14040HCF01</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; font-size: 11pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">*Note: A securities rating is not a recommendation to buy, sell or
hold securities and may be subject to revision or withdrawal at any time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">** It is expected that delivery of the shares of Preferred Stock will
be made in book-entry form only through the facilities of The Depository Trust Company against payment in New York, New York on or about
the third business day following the date of this pricing term sheet. Trades of securities in the secondary market generally are required
to settle in two business days, referred to as T+2, unless the parties to a trade agree otherwise. Accordingly, by virtue of the fact
that the initial delivery of the shares of Preferred Stock will not be made on a T+2 basis, investors who wish to trade the shares of
Preferred Stock before the second business day prior to the Settlement Date will be required to specify an alternative settlement cycle
at the time of any such trade to prevent a failed settlement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Capital One Financial Corporation has filed a registration statement
(including a prospectus and preliminary prospectus supplement) with the SEC for the offering to which this communication relates. Before
you invest, you should read each of these documents and the other documents Capital One Financial Corporation has filed with the SEC and
incorporated by reference in such documents for more complete information about Capital One Financial Corporation and this offering. You
may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, you may obtain a copy of these documents
by contacting Barclays Capital Inc. toll-free at 1-888-603-5847, Citigroup Global Markets Inc. toll-free at 1-800-831-9146, Credit Suisse
Securities (USA) LLC toll-free at 1-800-221-1037, Morgan Stanley &amp; Co. LLC toll-free at 1-866-718-1649 or Capital One Securities Inc.
toll-free at 1-800-666-9174, Attn: Compliance.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Any disclaimers or other notices that may appear below are not applicable
to this communication and should be disregarded. Such disclaimers were automatically generated as a result of this communication being
sent via Bloomberg or another email system. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Page; Sequence: 30; Options: Last -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt">SII-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-3.1
<SEQUENCE>3
<FILENAME>dp152438_ex0301.htm
<DESCRIPTION>EXHIBIT 3.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 3.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CERTIFICATE OF DESIGNATIONS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">OF</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">FIXED RATE RESET NON-CUMULATIVE PERPETUAL
PREFERRED STOCK, SERIES M</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">OF</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CAPITAL ONE FINANCIAL CORPORATION</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Capital One Financial Corporation, a corporation
organized and existing under the General Corporation Law of the State of Delaware (the &ldquo;<U>Corporation</U>&rdquo;), in accordance
with the provisions of Sections 141 and 151 thereof, does hereby certify:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">At a meeting of the Board of Directors (the &ldquo;<U>Board</U>&rdquo;)
of the Corporation duly convened and held on February 3 &ndash; February 5, 2021, the Board duly adopted resolutions (a) authorizing the
issuance and sale by the Corporation of one or more series of the Corporation&rsquo;s authorized and unissued preferred stock (&ldquo;<U>Preferred
Stock</U>&rdquo;), and (b) appointing a Preferred Stock Committee (the &ldquo;<U>Preferred Stock Committee</U>&rdquo;) of the Board to
act on behalf of the Board in, without limitation, approving the terms and conditions of, and authorizing the execution, delivery and
filing of any certificate of designations relating to any such series of Preferred Stock fixing the designations, powers, preferences,
rights, privileges, qualifications, limitations, restrictions, terms and conditions of such series of Preferred Stock;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Thereafter, on June 7, 2021, the Preferred Stock
Committee duly adopted the following resolution creating a series of 1,000,000 shares of Preferred Stock of the Corporation designated
as &ldquo;Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M&rdquo; by written consent:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>RESOLVED</B>, that pursuant to the provisions
of the Restated Certificate of Incorporation and the amended and restated bylaws of the Corporation and applicable law, a series of Preferred
Stock, par value $0.01 per share, of the Corporation be and hereby is created, and that the designation and number of shares of such series,
and the voting and other powers, preferences and relative, participating, optional or other rights, and the qualifications, limitations
and restrictions thereof, of the shares of such series, are as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Part 1. <U>Designation and Number of Shares</U>.
There is hereby created out of the authorized and unissued shares of Preferred Stock a series of Preferred Stock designated as the &ldquo;Fixed
Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M&rdquo; (hereinafter called &ldquo;<U>Series M Preferred Stock</U>&rdquo;).
The authorized number of shares of Series M Preferred Stock shall be 1,000,000 shares, $0.01 par value per share, having a liquidation
preference of $1,000 per share. The number of shares constituting Series M Preferred Stock may be increased from time to time in accordance
with law up to the maximum number of shares of Preferred Stock authorized to be issued under the Restated Certificate of Incorporation
of the Corporation, as amended, less all shares at the time authorized of any other series of Preferred Stock, and any such additional
shares of Series M Preferred Stock would form a single series with the Series M Preferred Stock. Shares of Series M Preferred Stock will
be dated the date of issue, which shall be referred to herein as the &ldquo;original issue date&rdquo;. Shares of outstanding Series M
Preferred Stock that are</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 1; Options: NewSection; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">redeemed,
purchased or otherwise acquired by the Corporation, or converted into another series of Preferred Stock, shall be cancelled and shall
revert to authorized but unissued shares of Preferred Stock undesignated as to series.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Part 2. <U>Standard Provisions</U>. The Standard
Provisions contained in Annex A attached hereto are incorporated herein by reference in their entirety and shall be deemed to be a part
of this Certificate of Designations to the same extent as if such provisions had been set forth in full herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Part 3. <U>Definitions</U>. The following terms
are used in this Certificate of Designations (including the Standard Provisions in Annex A hereto) as defined below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&ldquo;<U>Common
Stock</U>&rdquo; means the common stock, par value $0.01 per share, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&ldquo;<U>original
issue date</U>&rdquo; means the date of issue of the Series M Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&ldquo;<U>Preferred
Stock</U>&rdquo; means any and all series of preferred stock of the Corporation, including the Series M Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Part 4. <U>Certain Voting Matters</U>. Holders
of shares of Series M Preferred Stock will be entitled to one vote for each such share on any matter on which holders of Series M Preferred
Stock are entitled to vote, including any action by written consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Remainder of Page Intentionally Left Blank]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


<!-- Field: Page; Sequence: 2; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">IN WITNESS WHEREOF, Capital One Financial Corporation
has caused this Certificate of Designations to be signed by the undersigned as of this 9<SUP>th</SUP> day of June, 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">CAPITAL ONE FINANCIAL CORPORATION</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%">&nbsp;</TD>
    <TD STYLE="width: 2%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Jonathan Chiu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Name:&#9;Jonathan Chiu</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:&#9;Assistant Secretary</TD></TR>
  </TABLE>

<!-- Field: Page; Sequence: 3 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>STANDARD PROVISIONS</U></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 1.&#9;<U>Definitions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&ldquo;<U>Business
Day</U>&rdquo; means any weekday that is not a legal holiday in New York, New York and that is not a day on which banking institutions
in New York, New York are closed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&ldquo;<U>Calculation
Agent</U>&rdquo; means Computershare Trust Company, N.A, collectively with Computershare Inc., or any other successor appointed by the
Corporation, acting as Calculation Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&ldquo;<U>DTC</U>&rdquo;
means The Depository Trust Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&ldquo;<U>First
Reset Date</U>&rdquo; means September 1, 2026.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp; &ldquo;<U>Regulatory
Capital Treatment Event</U>&rdquo; means the good faith determination by the Corporation that, as a result of (1) any amendment to, or
change (including any announced prospective change) in, the laws or regulations of the United States or any political subdivision of or
in the United States that is enacted or becomes effective after the initial issuance of any share of the Series M Preferred Stock; (2)
any proposed change in those laws or regulations that is announced or becomes effective after the initial issuance of any share of the
Series M Preferred Stock; or (3) any official administrative decision or judicial decision or administrative action or other official
pronouncement interpreting or applying those laws or regulations that is announced after the initial issuance of any share of the Series
M Preferred Stock, there is more than an insubstantial risk that the Corporation will not be entitled to treat the full liquidation value
of the shares of the Series M Preferred Stock then outstanding as &ldquo;additional Tier 1 capital&rdquo; (or its equivalent) for purposes
of the capital adequacy guidelines of the Federal Reserve (or, as and if applicable, the capital adequacy guidelines or regulations of
any successor appropriate federal banking regulator or agency), as then in effect and applicable, for as long as any share of the Series
M Preferred Stock is outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&ldquo;<U>Reset
Date</U>&rdquo; means the First Reset Date and each subsequent date falling on the fifth anniversary of the preceding Reset Date, and
if any Reset Date, including the First Reset Date, falls on a day that is not a Business Day, such Reset Date shall not be adjusted to
a day that is a Business Day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(g)&nbsp;&nbsp;&ldquo;<U>Reset
Dividend Determination Date</U>&rdquo; means, in respect of any Reset Period, the day falling three Business Days prior to the beginning
of such Reset Period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(h)&nbsp;&nbsp;&ldquo;<U>Reset
Period</U>&rdquo; means initially the period from and including the First Reset Date to, but excluding, the next following Reset Date,
and thereafter each period from and including each Reset Date to, but excluding, the next following Reset Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(i)&nbsp;&nbsp;&ldquo;<U>Series
M Dividend Payment Date</U>&rdquo; has the meaning set forth in <FONT STYLE="font-size: 13pt"><B>&lrm;</B></FONT>Section 3(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(j)&nbsp;&nbsp;&ldquo;<U>Series
M Dividend Period</U>&rdquo; means the period from and including a Series M Dividend Payment Date to, but excluding, the next Series M
Dividend Payment Date, except that</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 4; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">the initial
Series M Dividend Period will commence on and include the original issue date of Series M Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(k)&nbsp;&nbsp;&ldquo;<U>Series
M Junior Securities</U>&rdquo; has the meaning set forth in <FONT STYLE="font-size: 13pt"><B>&lrm;</B></FONT>Section 2(a).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(l)&nbsp;&nbsp;&ldquo;<U>Series
M Parity Securities</U>&rdquo; has the meaning set forth in <FONT STYLE="font-size: 13pt"><B>&lrm;</B></FONT>Section 2(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(m)&nbsp;&nbsp;&ldquo;<U>Treasury
Rate</U>&rdquo; has the meaning set forth in Section 3(c).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 2.&#9;<U>Ranking</U>. The shares of Series
M Preferred Stock shall rank:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;senior,
as to dividends and upon liquidation, dissolution and winding up of the Corporation, to the Common Stock, and to any other class or series
of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by its terms, does not expressly provide
that it ranks <I>pari passu</I> with the Series M Preferred Stock as to dividends and upon liquidation, dissolution and winding up, as
the case may be (collectively, &ldquo;<U>Series M Junior Securities</U>&rdquo;); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;on
a parity, as to dividends and upon liquidation, dissolution and winding up of the Corporation, with any class or series of capital stock
of the Corporation now or hereafter authorized, issued or outstanding that, by its terms, expressly provides that it ranks <I>pari passu</I>
with the Series M Preferred Stock as to dividends and upon liquidation, dissolution and winding up, as the case may be, including the
Corporation&rsquo;s Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series E, the Corporation&rsquo;s Fixed Rate Non-Cumulative
Perpetual Preferred Stock, Series G, the Corporation's Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series H, the Corporation's
Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series I, the Corporation&rsquo;s Fixed Rate Non-Cumulative Perpetual Preferred Stock,
Series J, the Corporation&rsquo;s Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K, and the Corporation&rsquo;s Fixed Rate
Non-Cumulative Perpetual Preferred Stock, Series L (collectively, &ldquo;<U>Series M Parity Securities</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;The
Corporation may authorize and issue additional shares of Series M Junior Securities and Series M Parity Securities without the consent
of the holders of the Series M Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 3.&#9;<U>Dividends</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;Holders
of Series M Preferred Stock will be entitled to receive, when, as and if declared by the Board or a duly authorized committee of the Board,
out of assets legally available for the payment of dividends under Delaware law, non-cumulative cash dividends based on the liquidation
preference of the Series M Preferred Stock. Dividends will accrue when, as, and if declared, (i) from the date of issuance to, but excluding,
the First Reset Date at a fixed rate equal to 3.950% per annum and (ii) from and including the First Reset Date to, but excluding, the
redemption date of the Series M Preferred Stock, if any, for each Reset Period, at a rate equal to the Treasury Rate (as defined below)
as of the most recent Reset Dividend Determination Date plus a spread of 3.157% per annum. If the Corporation issues additional</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 5; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">shares of
the Series M Preferred Stock after the original issue date, dividends on such shares will accrue from the date such additional shares
are issued.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;If
declared by the Board or a duly authorized committee of the Board, dividends will be payable on the Series M Preferred Stock quarterly,
in arrears, on March 1, June 1, September 1 and December 1 of each year, beginning on September 1, 2021 (each, a &ldquo;<U>Series M Dividend
Payment Date</U>&rdquo;). If any date on which dividends would otherwise be payable is not a Business Day, then the Series M Dividend
Payment Date will be the next Business Day, without any adjustment to the amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;For
each Reset Period, the &ldquo;<U>Treasury Rate</U>&rdquo; shall be determined by the Calculation Agent on the applicable Reset Dividend
Determination Date as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0in">(i)&nbsp;&nbsp;<FONT STYLE="background-color: white">The
Treasury Rate shall be the average of the yields on actively traded U.S. treasury securities adjusted to constant maturity, for five-year
maturities, appearing under &ldquo;Treasury Constant Maturities&rdquo;, for the five business days immediately preceding the Reset Dividend
Determination Date for that Reset Period, available on or by reference to the most recently published statistical release designated H.15
Daily Update or any successor publication which is published by the Federal Reserve as of 5:00 p.m. (Eastern Time) as of such Reset Dividend
Determination Date, as determined by the Calculation Agent in its sole discretion.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0in">(ii)&nbsp;&nbsp;<FONT STYLE="background-color: white">If
no calculation is provided as described above, then </FONT>the Calculation Agent shall use a substitute or successor rate that the Corporation
or its designee have determined, in their sole discretion, after consulting any source that the Corporation or its designee deem to be
reasonable, is (i) the industry-accepted substitute or successor for the Treasury Rate or (ii) if there is no such industry-accepted substitute
or successor for the Treasury Rate, a substitute or successor rate that is most comparable to the Treasury Rate. Upon selection of a substitute
or successor rate, the Calculation Agent may apply any technical, administrative or operational change that the Corporation or its designee
may determine after consulting any source the Corporation or its designee deem to be reasonable, including with respect to the day count
convention, the business day convention, the definition of Business Day, the Reset Dividend Determination Date and any other relevant
methodology or definition for calculating such substitute or successor rate, including any adjustment factor that the Corporation or its
designee determine is needed to make such substitute or successor rate comparable to the Treasury Rate, in a manner that is consistent
with any industry-accepted practices for such substitute or successor rate. If the Calculation Agent, the Corporation or its designee
are unable to determine a substitute or successor base rate in accordance with the foregoing, then the Treasury Rate will be the same
interest rate determined for the prior Reset Dividend Determination Date or, if this sentence is applicable with respect to the first
Reset Dividend Determination Date, 0.793%.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0in">&nbsp;</P>


<!-- Field: Page; Sequence: 6; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;Absent
manifest error, any determination by the Calculation Agent, the Corporation or its designee of the dividend rate for a Series M Dividend
Period shall be binding and conclusive. The determination or calculation by the Calculation Agent, the Corporation or its designee of
any dividend rate, dividends for any Series M Dividend Period and any technical, administrative or operational changes that the Calculation
Agent, the Corporation, or its designee determine for calculating any substitute or successor base rate, shall be maintained on file at
the Corporation&rsquo;s principal offices and shall be made available to any holder of Series M Preferred Stock upon request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;Dividends
will be payable to holders of record of Series M Preferred Stock as they appear on the Corporation&rsquo;s books on the applicable record
date, which shall be the 15th calendar day before the applicable Series M Dividend Payment Date, or such other record date, no earlier
than 30 calendar days before the applicable Series M Dividend Payment Date, as shall be fixed by the Board or a duly authorized committee
of the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;Dividends
payable on Series M Preferred Stock will be computed on the basis of a 360-day year consisting of twelve 30-day months. Dollar amounts
resulting from that calculation will be rounded to the nearest cent, with one-half cent being rounded upwards. Dividends on the Series
M Preferred Stock will cease to accrue on the redemption date, if any, unless the Corporation defaults in the payment of the redemption
price of the Series M Preferred Stock called for redemption.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(g)&nbsp;&nbsp;Dividends
on the Series M Preferred Stock will not be cumulative. If the Board or a duly authorized committee of the Board does not declare a dividend
on the Series M Preferred Stock in respect of a Series M Dividend Period, then no dividend shall be deemed to have accrued for such dividend
period, be payable on the applicable Series M Dividend Payment Date or be cumulative, and the Corporation will have no obligation to pay
any dividend for that Series M Dividend Period, whether or not the Board or a duly authorized committee of the Board declares a dividend
for any future Series M Dividend Period with respect to the Series M Preferred Stock, the Corporation&rsquo;s Common Stock, or any other
class or series of the Corporation&rsquo;s Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(h)&nbsp;&nbsp;So
long as any share of Series M Preferred Stock remains outstanding:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(1)&nbsp;&nbsp;no dividend
shall be declared or paid or set aside for payment, and no distribution shall be declared or made or set aside for payment, on any Series
M Junior Securities, other than (i) a dividend payable solely in Series M Junior Securities or (ii) any dividend in connection with the
implementation of a shareholders&rsquo; rights plan, or the redemption or repurchase of any rights under any such plan;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(2)&nbsp;&nbsp;no shares
of Series M Junior Securities shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly
(other than (i) as a result of a reclassification of Series M Junior Securities for or into other Series M Junior Securities, (ii) the
exchange or conversion of one share of Series M Junior Securities for or into another share of Series M Junior Securities, (iii) through
the use of the proceeds of a substantially contemporaneous sale of other shares of Series M Junior Securities, (iv) purchases, redemptions
or other acquisitions of shares of Series M Junior Securities in connection with any</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>


<!-- Field: Page; Sequence: 7; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">employment
contract, benefit plan or other similar arrangement with or for the benefit of employees, officers, directors or consultants, (v) purchases
of shares of Series M Junior Securities pursuant to a contractually binding requirement to buy Series M Junior Securities existing prior
to the preceding Series M Dividend Period, including under a contractually binding stock repurchase plan, (vi) the purchase of fractional
interests in shares of Series M Junior Securities pursuant to the conversion or exchange provisions of such stock or the security being
converted or exchanged, (vii) purchases or other acquisitions by any of the Corporation&rsquo;s broker-dealer subsidiaries solely for
the purpose of market making, stabilization or customer facilitation transactions in Series M Junior Securities in the ordinary course
of business, (viii) purchases by any of the Corporation&rsquo;s broker-dealer subsidiaries of the Corporation&rsquo;s capital stock for
resale pursuant to an offering by the Corporation of such capital stock underwritten by such broker- dealer subsidiary, or (ix) the acquisition
by the Corporation or any of the Corporation&rsquo;s subsidiaries of record ownership in junior stock for the beneficial ownership of
any other persons (other than for the beneficial ownership by the Corporation or any of the Corporation&rsquo;s subsidiaries), including
as trustees or custodians, nor shall any monies be paid to or made available for a sinking fund for the redemption of any such securities
by the Corporation); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(3)&nbsp;&nbsp;no shares
of Series M Parity Securities shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly,
during a dividend period (other than (i) pursuant to <I>pro rata</I> offers to purchase all, or a <I>pro rata</I> portion, of the Series
M Preferred Stock and such Series M Parity Securities, if any, (ii) as a result of a reclassification of Series M Parity Securities for
or into other Series M Parity Securities, (iii) the exchange or conversion of Series M Parity Securities for or into other Series M Parity
Securities or Series M Junior Securities, (iv) through the use of the proceeds of a substantially contemporaneous sale of other shares
of Series M Parity Securities, (v) purchases of shares of Series M Parity Securities pursuant to a contractually binding requirement to
buy Series M Parity Securities existing prior to the preceding dividend period, including under a contractually binding stock repurchase
plan, (vi) the purchase of fractional interests in shares of Series M Parity Securities pursuant to the conversion or exchange provisions
of such stock or the security being converted or exchanged, (vii) purchases or other acquisitions by any of the Corporation&rsquo;s broker-
dealer subsidiaries solely for the purpose of market making, stabilization or customer facilitation transactions in Series M Parity Securities
in the ordinary course of business, (viii) purchases by any of the Corporation&rsquo;s broker-dealer subsidiaries of the Corporation&rsquo;s
capital stock for resale pursuant to an offering by the Corporations of such capital stock underwritten by such broker- dealer subsidiary,
or (ix) the acquisition by the Corporation or any of the Corporation&rsquo;s subsidiaries of record ownership in Series M Parity Securities
for the beneficial ownership of any other persons (other than for the beneficial ownership by the Corporation or any of the Corporation&rsquo;s
subsidiaries), including as trustees or custodians), nor shall any monies be paid to or made available for a sinking fund for the redemption
of any such securities by the Corporation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">unless, in each case, the full dividends for the preceding Series M Dividend Period on all
outstanding shares of Series M Preferred Stock have been paid in full or declared and a sum sufficient for the payment thereof has been
set aside for payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(i)&nbsp;&nbsp;The
Corporation will not declare or pay or set apart funds for the payment of dividends on any Series M Parity Securities unless the Corporation
has paid or set apart funds for the payment of dividends on the Series M Preferred Stock. When dividends are not paid in full upon the
shares of Series M Preferred Stock and any Series M Parity Securities, all dividends</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 8; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">declared
upon shares of Series M Preferred Stock and any Series M Parity Securities will be declared on a proportional basis so that the amount
of dividends declared per share will bear to each other the same ratio that accrued dividends for the Series M Preferred Stock, and accrued
dividends, including any accumulations, on any Series M Parity Securities, bear to each other for the then-current Series M Dividend
Period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(j)&nbsp;&nbsp;Subject
to the foregoing, and not otherwise, dividends (payable in cash, stock or otherwise), as may be determined by the Board or a duly authorized
committee of the Board, may be declared and paid on the Common Stock and any other class or any Series M Junior Securities or Series M
Parity Securities from time to time out of any assets legally available for such payment, and the holders of Series M Preferred Stock
shall not be entitled to participate in any such dividend.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(k)&nbsp;&nbsp;Dividends
on the Series M Preferred Stock will not be declared, paid or set aside for payment to the extent such act would cause the Corporation
to fail to comply with applicable laws and regulations, including applicable capital adequacy guidelines.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 4.&#9;<U>Liquidation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;Upon
any voluntary or involuntary liquidation, dissolution or winding up of the Corporation, holders of Series M Preferred Stock are entitled
to receive out of assets of the Corporation available for distribution to stockholders, after satisfaction of liabilities to creditors
and subject to the rights of holders of any securities ranking senior to Series M Preferred Stock, before any distribution of assets is
made to holders of Common Stock or any Series M Junior Securities, a liquidating distribution in the amount of the liquidation preference
of $1,000 per share plus any declared and unpaid dividends, without accumulation of any undeclared dividends. Holders of Series M Preferred
Stock will not be entitled to any other amounts from the Corporation after they have received their full liquidating distribution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;In
any such distribution, if the assets of the Corporation are not sufficient to pay the liquidation preferences plus declared and unpaid
dividends in full to all holders of Series M Preferred Stock and all holders of any Series M Parity Securities, the amounts paid to the
holders of Series M Preferred Stock and to the holders of all Series M Parity Securities will be paid <I>pro rata </I>in accordance with
the respective aggregate liquidating distribution owed to those holders. If the liquidation preference plus declared and unpaid dividends
has been paid in full to all holders of Series M Preferred Stock and any Series M Parity Securities, the holders of the Corporation&rsquo;s
Series M Junior Securities shall be entitled to receive all remaining assets of the Corporation according to their respective rights and
preferences.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;For
purposes of this section, the merger or consolidation of the Corporation with any other entity, including a merger or consolidation in
which the holders of Series M Preferred Stock receive cash, securities or property for their shares, or the sale, lease or exchange of
all or substantially all of the assets of the Corporation for cash, securities or other property, shall not constitute a liquidation,
dissolution or winding up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>



<!-- Field: Page; Sequence: 9; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 5.&#9;<U>Redemption</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;Series
M Preferred Stock is not subject to any mandatory redemption, sinking fund or other similar provisions. Series M Preferred Stock is not
redeemable prior to September 1, 2026. On and after that date, Series M Preferred Stock will be redeemable at the option of the Corporation,
in whole or in part, on any Series M Dividend Payment Date, at a redemption price equal to $1,000 per share, plus any declared and unpaid
dividends. Holders of Series M Preferred Stock will have no right to require the redemption or repurchase of Series M Preferred Stock.
Notwithstanding the foregoing, within 90 days following the occurrence of a Regulatory Capital Treatment Event, the Corporation, at its
option, may redeem, at any time, all (but not less than all) of the shares of the Series M Preferred Stock at the time outstanding, at
a redemption price equal to $1,000 per share, plus any declared and unpaid dividends, upon notice given as provided in Subsection <FONT STYLE="font-size: 13pt"><B>&lrm;</B></FONT>(b)
below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;If
shares of Series M Preferred Stock are to be redeemed, the notice of redemption shall be sent to the holders of record of Series M Preferred
Stock to be redeemed, sent not less than 10 days nor more than 60 days prior to the date fixed for redemption thereof (provided that,
if the depositary shares representing Series M Preferred Stock are held in book-entry form through DTC, the Corporation may give such
notice in any manner permitted by DTC). Each notice of redemption will include a statement setting forth: (1) the redemption date; (2)
the number of shares of Series M Preferred Stock to be redeemed and, if less than all the shares held by such holder are to be redeemed,
the number of such shares to be redeemed from such holder; (3) the redemption price; and (4) the place or places where the certificates
evidencing shares of Series M Preferred Stock are to be surrendered for payment of the redemption price. On and after the redemption date,
dividends will cease to accrue on shares of Series M Preferred Stock, and such shares of Series M Preferred Stock shall no longer be deemed
outstanding and all rights of the holders of such shares will terminate, including rights described under <FONT STYLE="font-size: 13pt"><B>&lrm;</B></FONT>Section
6, except the right to receive the redemption price plus any declared and unpaid dividends.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;In
case of any redemption of only part of the shares of Series M Preferred Stock at the time outstanding, the shares to be redeemed shall
be selected either pro rata or by lot.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;Any
redemption of the Preferred Stock is subject to our receipt of any required prior approval by the Board of Governors of the Federal Reserve
System and to the satisfaction of any conditions set forth in the capital guidelines or regulations of the Board of Governors of the Federal
Reserve System applicable to redemption of the Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 6.&#9;<U>Voting Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;Except
as provided below or as expressly required by law, the holders of shares of Series M Preferred Stock shall have no voting power, and no
right to vote on any matter at any time, either as a separate series or class or together with any other series or class of shares of
capital stock, and shall not be entitled to call a meeting of such holders for any purpose, nor shall they be entitled to participate
in any meeting of the holders of the Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;So
long as any shares of Series M Preferred Stock remain outstanding, the affirmative vote or consent of the holders of at least two-thirds
of all of the shares of Series M Preferred Stock at the time outstanding, voting separately as a class, shall be required to: (1) authorize
or increase the authorized amount of, or issue shares of any class or series of stock</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 10; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">ranking
senior to the Series M Preferred Stock with respect to payment of dividends or the distribution of assets upon liquidation, dissolution
or winding up of the Corporation, or issue any obligation or security convertible into or evidencing the right to purchase, any class
or series of stock ranking senior to Series M Preferred Stock with respect to payment of dividends or the distribution of assets upon
liquidation, dissolution or winding up of the Corporation; (2) amend the provisions of the Corporation&rsquo;s restated certificate of
incorporation, as amended, so as to adversely affect the powers, preferences, privileges or rights of Series M Preferred Stock, taken
as a whole, provided, however, that any increase in the amount of the authorized or issued shares of Series M Preferred Stock or authorized
Common Stock or Preferred Stock or the creation and issuance, or an increase in the authorized or issued amount, of other series of Preferred
Stock ranking equally with or junior to Series M Preferred Stock with respect to the payment of dividends (whether such dividends are
cumulative or non-cumulative) or the distribution of assets upon liquidation, dissolution or winding up of the Corporation will not be
deemed to adversely affect the powers, preferences, privileges or rights of Series M Preferred Stock; and (3) consummate a binding share-exchange
or reclassification involving the Series M Preferred Stock, or a merger or consolidation of the Corporation with or into another entity
unless (i) the shares of the Series M Preferred Stock remain outstanding or are converted into or exchanged for preference securities
of the new surviving entity and (ii) the shares of the remaining Series M Preferred Stock or new preferred securities have terms that
are not materially less favorable than the Series M Preferred Stock. The foregoing voting provisions will not apply if, at or prior to
the time when the act with respect to which such vote would otherwise be required shall be effected, all outstanding shares of Series
M Preferred Stock shall have been redeemed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;If
the Corporation fails to pay, or declare and set apart for payment, dividends on outstanding shares of the Series M Preferred Stock for
six quarterly dividend periods, whether or not consecutive, the number of directors on the Board shall be increased by two at the Corporation&rsquo;s
first annual meeting of the shareholders held thereafter, and at such meeting and at each subsequent annual meeting until continuous noncumulative
dividends for at least one year on all outstanding shares of Series M Preferred Stock entitled thereto shall have been paid in full, the
holders of shares of Series M Preferred Stock shall have the right, voting as a class with holders of any other equally ranked series
of Preferred Stock that have similar voting rights, to elect such two additional members of the Corporation&rsquo;s Board to hold office
for a term of one year; provided that the Corporation&rsquo;s Board shall at no time include more than two additional directors elected
by holders of Series M Preferred Stock and any other equally ranked series of Preferred Stock having similar voting rights, if any, voting
together as one class. Upon such payment in full, the terms of the two additional directors so elected shall forthwith terminate, and
the number of directors shall be reduced by two, and such voting right of the holders of shares of Series M Preferred Stock shall cease,
subject to increase in the number of directors as described above and to revesting of such voting right in the event of each and every
additional failure in the payment of dividends for six quarterly dividend periods, whether or not consecutive, as described above. In
addition, if and when the rights of holders of Series M Preferred Stock terminate for any reason, including under circumstances described
above under <FONT STYLE="font-size: 13pt"><B>&lrm;</B></FONT>Section 5, such voting rights shall terminate along with the other rights
(except, if applicable, the right to receive the redemption price plus any declared and unpaid dividends as provided for in <FONT STYLE="font-size: 13pt"><B>&lrm;</B></FONT>Section
5), and the terms of any additional directors elected by the holders of Series M Preferred Stock and any other equally ranked series of
Preferred Stock having similar voting rights, if any, shall terminate</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 11; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">automatically
and the number of directors reduced by two, assuming that the rights of holders of such equally ranked series of Preferred Stock have
similarly terminated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 7.&#9;<U>Conversion Rights</U>. The holders
of shares of Series M Preferred Stock shall not have any rights to convert such shares into shares of any other class or series of securities
of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 8.&#9;<U>Preemptive Rights</U>. The holders
of shares of Series M Preferred Stock will have no preemptive rights with respect to any shares of the Corporation&rsquo;s capital stock
or any of its other securities convertible into or carrying rights or options to purchase any such capital stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 9.&#9;<U>Certificates</U>. The Corporation
may at its option issue shares of Series M Preferred Stock without certificates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 10.&#9;<U>Calculation Agent</U>. The duly
appointed calculation agent for the Series M Preferred Stock shall be Computershare Trust Company, N.A, collectively with Computershare
Inc. The Corporation may, in its sole discretion, remove the Calculation Agent in accordance with the agreement between the Corporation
and the Calculation Agent; provided that the Corporation shall appoint a successor Calculation Agent who shall accept such appointment
prior to the effectiveness of such removal. The Corporation may appoint itself or an affiliate of the Corporation as the Calculation Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 11.&#9;<U>Transfer Agent</U>. The duly
appointed transfer agent for the Series M Preferred Stock shall be Computershare Trust Company, N.A, collectively with Computershare Inc.
The Corporation may, in its sole discretion, remove the transfer agent in accordance with the agreement between the Corporation and the
transfer agent; provided that the Corporation shall appoint a successor transfer agent who shall accept such appointment prior to the
effectiveness of such removal. Upon any such removal or appointment, the Corporation shall send notice thereof to the holders of the Series
M Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 12.&#9;<U>Registrar</U>. The duly appointed
registrar for the Series M Preferred Stock shall be Computershare Trust Company, N.A, collectively with Computershare Inc. The Corporation
may, in its sole discretion, remove the registrar in accordance with the agreement between the Corporation and the registrar; provided
that the Corporation shall appoint a successor registrar who shall accept such appointment prior to the effectiveness of such removal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<!-- Field: Page; Sequence: 12; Options: Last -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>4
<FILENAME>dp152438_ex0501.htm
<DESCRIPTION>EXHIBIT 5.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>Exhibit 5.1</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; font-size: 8pt; font-weight: bold"><FONT STYLE="font-size: 8pt">New York<BR>
    Northern California<BR>
    Washington DC<BR>
    S&atilde;o Paulo<BR>
    London</FONT></TD>
    <TD STYLE="font-size: 8pt; font-weight: bold"><FONT STYLE="font-size: 8pt">Paris<BR>
    Madrid<BR>
    Hong Kong<BR>
    Beijing<BR>
    Tokyo</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt"><IMG SRC="image_004.jpg" ALT="DavisPolk" STYLE="height: 30px; width: 155px"></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">Davis Polk &amp; Wardwell LLP</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">450 Lexington Avenue<BR>
    New York, NY 10017</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P></TD>
    <TD COLSPAN="2"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">212 450 4000 tel</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">www.davispolk.com</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="width: 24%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 47%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 2%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 17%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 10%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">June 10, 2021</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Capital One Financial Corporation<BR>
1680 Capital One Drive<BR>
McLean, Virginia 22102</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Capital One Financial Corporation, a Delaware corporation (the
&ldquo;Company&rdquo;), has filed with the Securities and Exchange Commission a Registration Statement on Form S-3 (File No.
333-254191) (the &ldquo;Registration Statement&rdquo;) for the purpose of registering under the Securities Act of 1933, as amended
(the &ldquo;Securities Act&rdquo;), certain securities, including 1,000,000 shares of the Company&rsquo;s 3.950% Fixed Rate Reset
Non-Cumulative Perpetual Preferred Stock, Series M, par value $0.01 per share (the &ldquo;Securities&rdquo;). The Securities are to
be sold pursuant to the Underwriting Agreement dated June 7, 2021 (the &ldquo;Underwriting Agreement&rdquo;) among the Company and
the several underwriters named therein (the &ldquo;Underwriters&rdquo;).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We, as your counsel, have examined originals or copies of such documents,
corporate records, certificates of public officials and other instruments as we have deemed necessary or advisable for the purpose of
rendering this opinion.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In rendering the opinion expressed herein, we have, without independent
inquiry or investigation, assumed that (i) all documents submitted to us as originals are authentic and complete, (ii) all documents submitted
to us as copies conform to authentic, complete originals, (iii) all signatures on all documents that we reviewed are genuine, (iv) all
natural persons executing documents had and have the legal capacity to do so, (v) all statements in certificates of public officials and
officers of the Company that we reviewed were and are accurate and (vi) all representations made by the Company as to matters of fact
in the documents that we reviewed were and are accurate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Based upon the foregoing, and subject to the additional assumptions
and qualifications set forth below, we advise you that, in our opinion, when the Securities have been issued and delivered against payment
therefor in accordance with the terms of the Underwriting Agreement, the Securities will be validly issued, fully paid and non-assessable.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In connection with the opinion expressed above, we have assumed that
the Company is validly existing as a corporation in good standing under the laws of the State of Delaware.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<!-- Field: Page; Sequence: 1; Options: NewSection; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 34%; font-size: 10pt">Capital One Financial Corporation</TD><TD STYLE="vertical-align: bottom; width: 33%; font-size: 10pt; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></TD><TD STYLE="vertical-align: bottom; width: 33%; font-size: 10pt; text-align: right">June 10, 2021</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We are members of the Bar of the State of New York and the foregoing
opinion is limited to the laws of the State of New York and the General Corporation Law of the State of Delaware, except that we express
no opinion as to any law, rule or regulation that is applicable to the Company, the Documents or such transactions solely because such
law, rule or regulation is part of a regulatory regime applicable to any party to any of the Documents or any of its affiliates due to
the specific assets or business of such party or such affiliate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We hereby consent to the filing of this opinion as an exhibit to a report
on Form 8-K to be filed by the Company on the date hereof and its incorporation by reference into the Registration Statement and further
consent to the reference to our name under the caption &ldquo;Validity of the Preferred Stock&rdquo; in the prospectus supplement which
is a part of the Registration Statement. In giving this consent, we do not admit that we are in the category of persons whose consent
is required under Section 7 of the Securities Act.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Very truly yours,</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">/s/ Davis Polk &amp; Wardwell LLP</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin: 3pt auto; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>image_004.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_004.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  H'!P@'!@H(" @+"@H+#A@0#@T-
M#AT5%A$8(Q\E)"(?(B$F*S<O)BDT*2$B,$$Q-#D[/CX^)2Y$24,\2#<]/CO_
MVP!# 0H+"PX-#AP0$!P[*"(H.SL[.SL[.SL[.SL[.SL[.SL[.SL[.SL[.SL[
M.SL[.SL[.SL[.SL[.SL[.SL[.SL[.SO_P  1"  > )L# 2(  A$! Q$!_\0
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=I/%M<D0[%*[#U0GTKLZYJO(Y7CL=E'G4;3W/_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>image_002.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_002.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" #U JD# 2(  A$! Q$!_\0
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBD)"@DD #DD]J
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M1$F.WB2)2>I"@ ?RJQ7I15DD?FU::G4E-=6W^+"BBBF9A1110 4444 %%%%
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MI)Y)[DFNBA3N^9GA9WCE2I^P@_>EOY+_ ()9HHHKL/CPHHHH **** "BBB@
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M)L''H.>O!'J%<AX9\=Q>(/"&H>(9+![2&R,NZ,R;RP1 Y(.!ZX_"N%_X7_\
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M6@D%%%%26%%%% !1110!\T_&*Y,_Q'O8R/\ CWBBC'XH&_\ 9JX.MSQEJ/\
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M;HY#W)7(P3Z@^I()->AT5E&3B[HWG",U:2/GBY^!_BF$$PSZ;<#/ 29@<?\
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MAB6M):G)/"1;O%V/ M"^-GB#38TAU*W@U.)1C>Q\N4^F6&0?Q7/O6[_PO_\
MZEG_ ,G_ /[77>7GPQ\&7TYFET*!6/:&1XE_[Y1@/TJ%?A/X(1@PT09!SS<S
M$?D7H<Z+U<05/$+12/+=8^-_B*^5X].@M=.0XPZKYL@_%OE_\=KFK#PKXO\
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@4 %%%% !1110 4444 %%%% !1110 4444 %%%% '_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>7
<FILENAME>cof-20210609.xsd
<DESCRIPTION>XBRL SCHEMA FILE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.8a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: http://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
    <!-- Field: Doc-Info; Name: Misc; Value: 9a85s7xRiXgen8uCZHRMWaCDKaP9x5V6+Zkxtmt3fQmKzyMoblZQLSXTUwD24SAA -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31" xmlns:us-gaap="http://fasb.org/us-gaap/2020-01-31" xmlns:srt="http://fasb.org/srt/2020-01-31" xmlns:srt-types="http://fasb.org/srt-types/2020-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:COF="http://capitalone.com/20210609" elementFormDefault="qualified" targetNamespace="http://capitalone.com/20210609">
    <annotation>
      <appinfo>
	<link:roleType roleURI="http://capitalone.com/role/Cover" id="Cover">
	  <link:definition>00000001 - Document - Cover</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:linkbaseRef xlink:type="simple" xlink:href="cof-20210609_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links" />
	<link:linkbaseRef xlink:type="simple" xlink:href="cof-20210609_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
	<link:linkbaseRef xlink:type="simple" xlink:href="cof-20210609_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links" />
      </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2020-01-31" schemaLocation="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd" />
    <import namespace="http://fasb.org/us-gaap/2020-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd" />
    <import namespace="http://fasb.org/us-types/2020-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-types-2020-01-31.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2020-01-31" schemaLocation="https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd" />
    <import namespace="http://fasb.org/srt/2020-01-31" schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd" />
    <import namespace="http://fasb.org/srt-types/2020-01-31" schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-types-2020-01-31.xsd" />
    <element id="COF_SeriesIPreferredStockMember" name="SeriesIPreferredStockMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="COF_SeriesJPreferredStockMember" name="SeriesJPreferredStockMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="COF_SeriesKPreferredStockMember" name="SeriesKPreferredStockMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="COF_SeriesLPreferredStockMember" name="SeriesLPreferredStockMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="COF_SeniorNotesDue2024Member" name="SeniorNotesDue2024Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="COF_SeniorNotesDue2029Member" name="SeniorNotesDue2029Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>8
<FILENAME>cof-20210609_def.xml
<DESCRIPTION>XBRL DEFINITION FILE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.8a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: http://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
    <link:roleRef roleURI="http://capitalone.com/role/Cover" xlink:href="cof-20210609.xsd#Cover" xlink:type="simple" />
    <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" />
    <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" />
    <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" />
    <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" arcroleURI="http://xbrl.org/int/dim/arcrole/all" />
    <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#notAll" arcroleURI="http://xbrl.org/int/dim/arcrole/notAll" />
    <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" />
    <link:definitionLink xlink:type="extended" xlink:role="http://capitalone.com/role/Cover" xlink:title="00000001 - Document - Cover">
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfCapitalizationEquityLineItems" xlink:label="loc_us-gaapScheduleOfCapitalizationEquityLineItems" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementTable" xlink:label="loc_us-gaapStatementTable" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xbrldt:contextElement="segment" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_us-gaapStatementTable" xlink:type="arc" order="10" xbrldt:closed="true" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="loc_us-gaapStatementClassOfStockAxis" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaapStatementTable" xlink:to="loc_us-gaapStatementClassOfStockAxis" xlink:type="arc" order="1" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="loc_us-gaapClassOfStockDomain" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaapStatementClassOfStockAxis" xlink:to="loc_us-gaapClassOfStockDomain" xlink:type="arc" order="20" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="loc_us-gaapClassOfStockDomain_10" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xbrldt:contextElement="segment" xlink:from="loc_us-gaapStatementClassOfStockAxis" xlink:to="loc_us-gaapClassOfStockDomain_10" xlink:type="arc" order="30" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockMember" xlink:label="loc_us-gaapCommonStockMember_10" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_us-gaapCommonStockMember_10" xlink:type="arc" order="11" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SeriesGPreferredStockMember" xlink:label="loc_us-gaapSeriesGPreferredStockMember_20" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_us-gaapSeriesGPreferredStockMember_20" xlink:type="arc" order="21" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SeriesHPreferredStockMember" xlink:label="loc_us-gaapSeriesHPreferredStockMember_30" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_us-gaapSeriesHPreferredStockMember_30" xlink:type="arc" order="31" />
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeriesIPreferredStockMember" xlink:label="loc_COFSeriesIPreferredStockMember_40" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_COFSeriesIPreferredStockMember_40" xlink:type="arc" order="41" />
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeriesJPreferredStockMember" xlink:label="loc_COFSeriesJPreferredStockMember_50" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_COFSeriesJPreferredStockMember_50" xlink:type="arc" order="51" />
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeriesKPreferredStockMember" xlink:label="loc_COFSeriesKPreferredStockMember_60" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_COFSeriesKPreferredStockMember_60" xlink:type="arc" order="61" />
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeriesLPreferredStockMember" xlink:label="loc_COFSeriesLPreferredStockMember_70" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_COFSeriesLPreferredStockMember_70" xlink:type="arc" order="71" />
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeniorNotesDue2024Member" xlink:label="loc_COFSeniorNotesDue2024Member_80" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_COFSeniorNotesDue2024Member_80" xlink:type="arc" order="81" />
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeniorNotesDue2029Member" xlink:label="loc_COFSeniorNotesDue2029Member_90" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_COFSeniorNotesDue2029Member_90" xlink:type="arc" order="91" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:label="loc_deiDocumentType_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentType_110" xlink:type="arc" order="0" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:label="loc_deiAmendmentFlag_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiAmendmentFlag_110" xlink:type="arc" order="1" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentDescription" xlink:label="loc_deiAmendmentDescription_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiAmendmentDescription_110" xlink:type="arc" order="2" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentRegistrationStatement" xlink:label="loc_deiDocumentRegistrationStatement_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentRegistrationStatement_110" xlink:type="arc" order="3" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentAnnualReport" xlink:label="loc_deiDocumentAnnualReport_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentAnnualReport_110" xlink:type="arc" order="4" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentQuarterlyReport" xlink:label="loc_deiDocumentQuarterlyReport_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentQuarterlyReport_110" xlink:type="arc" order="5" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentTransitionReport" xlink:label="loc_deiDocumentTransitionReport_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentTransitionReport_110" xlink:type="arc" order="6" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentShellCompanyReport" xlink:label="loc_deiDocumentShellCompanyReport_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentShellCompanyReport_110" xlink:type="arc" order="7" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentShellCompanyEventDate" xlink:label="loc_deiDocumentShellCompanyEventDate_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentShellCompanyEventDate_110" xlink:type="arc" order="8" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodStartDate" xlink:label="loc_deiDocumentPeriodStartDate_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentPeriodStartDate_110" xlink:type="arc" order="9" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="loc_deiDocumentPeriodEndDate_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentPeriodEndDate_110" xlink:type="arc" order="10" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="loc_deiDocumentFiscalPeriodFocus_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentFiscalPeriodFocus_110" xlink:type="arc" order="11" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="loc_deiDocumentFiscalYearFocus_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentFiscalYearFocus_110" xlink:type="arc" order="12" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="loc_deiCurrentFiscalYearEndDate_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiCurrentFiscalYearEndDate_110" xlink:type="arc" order="13" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:label="loc_deiEntityFileNumber_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityFileNumber_110" xlink:type="arc" order="14" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:label="loc_deiEntityRegistrantName_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityRegistrantName_110" xlink:type="arc" order="15" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="loc_deiEntityCentralIndexKey_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityCentralIndexKey_110" xlink:type="arc" order="16" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityPrimarySicNumber" xlink:label="loc_deiEntityPrimarySicNumber_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityPrimarySicNumber_110" xlink:type="arc" order="17" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:label="loc_deiEntityTaxIdentificationNumber_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityTaxIdentificationNumber_110" xlink:type="arc" order="18" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="loc_deiEntityIncorporationStateCountryCode_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityIncorporationStateCountryCode_110" xlink:type="arc" order="19" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:label="loc_deiEntityAddressAddressLine1_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressAddressLine1_110" xlink:type="arc" order="20" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine2" xlink:label="loc_deiEntityAddressAddressLine2_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressAddressLine2_110" xlink:type="arc" order="21" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine3" xlink:label="loc_deiEntityAddressAddressLine3_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressAddressLine3_110" xlink:type="arc" order="22" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:label="loc_deiEntityAddressCityOrTown_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressCityOrTown_110" xlink:type="arc" order="23" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:label="loc_deiEntityAddressStateOrProvince_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressStateOrProvince_110" xlink:type="arc" order="24" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCountry" xlink:label="loc_deiEntityAddressCountry_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressCountry_110" xlink:type="arc" order="25" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:label="loc_deiEntityAddressPostalZipCode_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressPostalZipCode_110" xlink:type="arc" order="26" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CountryRegion" xlink:label="loc_deiCountryRegion_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiCountryRegion_110" xlink:type="arc" order="27" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:label="loc_deiCityAreaCode_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiCityAreaCode_110" xlink:type="arc" order="28" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:label="loc_deiLocalPhoneNumber_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiLocalPhoneNumber_110" xlink:type="arc" order="29" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Extension" xlink:label="loc_deiExtension_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiExtension_110" xlink:type="arc" order="30" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:label="loc_deiWrittenCommunications_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiWrittenCommunications_110" xlink:type="arc" order="31" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:label="loc_deiSolicitingMaterial_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiSolicitingMaterial_110" xlink:type="arc" order="32" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:label="loc_deiPreCommencementTenderOffer_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiPreCommencementTenderOffer_110" xlink:type="arc" order="33" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="loc_deiPreCommencementIssuerTenderOffer_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiPreCommencementIssuerTenderOffer_110" xlink:type="arc" order="34" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:label="loc_deiSecurity12bTitle_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiSecurity12bTitle_110" xlink:type="arc" order="35" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_NoTradingSymbolFlag" xlink:label="loc_deiNoTradingSymbolFlag_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiNoTradingSymbolFlag_110" xlink:type="arc" order="36" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:label="loc_deiTradingSymbol_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiTradingSymbol_110" xlink:type="arc" order="37" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:label="loc_deiSecurityExchangeName_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiSecurityExchangeName_110" xlink:type="arc" order="38" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12gTitle" xlink:label="loc_deiSecurity12gTitle_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiSecurity12gTitle_110" xlink:type="arc" order="39" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityReportingObligation" xlink:label="loc_deiSecurityReportingObligation_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiSecurityReportingObligation_110" xlink:type="arc" order="40" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AnnualInformationForm" xlink:label="loc_deiAnnualInformationForm_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiAnnualInformationForm_110" xlink:type="arc" order="41" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="loc_deiAuditedAnnualFinancialStatements_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiAuditedAnnualFinancialStatements_110" xlink:type="arc" order="42" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="loc_deiEntityWellKnownSeasonedIssuer_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityWellKnownSeasonedIssuer_110" xlink:type="arc" order="43" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityVoluntaryFilers" xlink:label="loc_deiEntityVoluntaryFilers_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityVoluntaryFilers_110" xlink:type="arc" order="44" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="loc_deiEntityCurrentReportingStatus_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityCurrentReportingStatus_110" xlink:type="arc" order="45" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityInteractiveDataCurrent" xlink:label="loc_deiEntityInteractiveDataCurrent_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityInteractiveDataCurrent_110" xlink:type="arc" order="46" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFilerCategory" xlink:label="loc_deiEntityFilerCategory_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityFilerCategory_110" xlink:type="arc" order="47" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntitySmallBusiness" xlink:label="loc_deiEntitySmallBusiness_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntitySmallBusiness_110" xlink:type="arc" order="48" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:label="loc_deiEntityEmergingGrowthCompany_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityEmergingGrowthCompany_110" xlink:type="arc" order="49" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityExTransitionPeriod" xlink:label="loc_deiEntityExTransitionPeriod_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityExTransitionPeriod_110" xlink:type="arc" order="50" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentAccountingStandard" xlink:label="loc_deiDocumentAccountingStandard_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentAccountingStandard_110" xlink:type="arc" order="51" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_OtherReportingStandardItemNumber" xlink:label="loc_deiOtherReportingStandardItemNumber_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiOtherReportingStandardItemNumber_110" xlink:type="arc" order="52" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityShellCompany" xlink:label="loc_deiEntityShellCompany_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityShellCompany_110" xlink:type="arc" order="53" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityPublicFloat" xlink:label="loc_deiEntityPublicFloat_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityPublicFloat_110" xlink:type="arc" order="54" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityBankruptcyProceedingsReportingCurrent" xlink:label="loc_deiEntityBankruptcyProceedingsReportingCurrent_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityBankruptcyProceedingsReportingCurrent_110" xlink:type="arc" order="55" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="loc_deiEntityCommonStockSharesOutstanding_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityCommonStockSharesOutstanding_110" xlink:type="arc" order="56" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentsIncorporatedByReferenceTextBlock" xlink:label="loc_deiDocumentsIncorporatedByReferenceTextBlock_110" />
      <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentsIncorporatedByReferenceTextBlock_110" xlink:type="arc" order="57" />
    </link:definitionLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>9
<FILENAME>cof-20210609_lab.xml
<DESCRIPTION>XBRL LABEL FILE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.8a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: http://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" roleURI="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel" />
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="us-gaap_StatementClassOfStockAxis" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xml:lang="en-US">Class of Stock [Axis]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockMember" xlink:label="us-gaap_CommonStockMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="us-gaap_CommonStockMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockMember_lbl" xml:lang="en-US">Common Stock [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SeriesGPreferredStockMember" xlink:label="us-gaap_SeriesGPreferredStockMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SeriesGPreferredStockMember" xlink:to="us-gaap_SeriesGPreferredStockMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SeriesGPreferredStockMember_lbl" xml:lang="en-US">Series G Preferred Stock [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SeriesHPreferredStockMember" xlink:label="us-gaap_SeriesHPreferredStockMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SeriesHPreferredStockMember" xlink:to="us-gaap_SeriesHPreferredStockMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SeriesHPreferredStockMember_lbl" xml:lang="en-US">Series H Preferred Stock [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeriesIPreferredStockMember" xlink:label="COF_SeriesIPreferredStockMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="COF_SeriesIPreferredStockMember" xlink:to="COF_SeriesIPreferredStockMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="COF_SeriesIPreferredStockMember_lbl" xml:lang="en-US">Series I Preferred Stock [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeriesJPreferredStockMember" xlink:label="COF_SeriesJPreferredStockMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="COF_SeriesJPreferredStockMember" xlink:to="COF_SeriesJPreferredStockMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="COF_SeriesJPreferredStockMember_lbl" xml:lang="en-US">Series J Preferred Stock [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeriesKPreferredStockMember" xlink:label="COF_SeriesKPreferredStockMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="COF_SeriesKPreferredStockMember" xlink:to="COF_SeriesKPreferredStockMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="COF_SeriesKPreferredStockMember_lbl" xml:lang="en-US">Series K Preferred Stock [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeriesLPreferredStockMember" xlink:label="COF_SeriesLPreferredStockMember" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="COF_SeriesLPreferredStockMember" xlink:to="COF_SeriesLPreferredStockMember_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="COF_SeriesLPreferredStockMember_lbl" xml:lang="en-US">Series L Preferred Stock [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeniorNotesDue2024Member" xlink:label="COF_SeniorNotesDue2024Member" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="COF_SeniorNotesDue2024Member" xlink:to="COF_SeniorNotesDue2024Member_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="COF_SeniorNotesDue2024Member_lbl" xml:lang="en-US">Senior Notes Due 2024 [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeniorNotesDue2029Member" xlink:label="COF_SeniorNotesDue2029Member" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="COF_SeniorNotesDue2029Member" xlink:to="COF_SeniorNotesDue2029Member_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="COF_SeniorNotesDue2029Member_lbl" xml:lang="en-US">Senior Notes Due 2029 [Member]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementTable" xlink:label="us-gaap_StatementTable" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementTable" xlink:to="us-gaap_StatementTable_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementTable_lbl" xml:lang="en-US">Statement [Table]</link:label>
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfCapitalizationEquityLineItems" xlink:label="us-gaap_ScheduleOfCapitalizationEquityLineItems" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCapitalizationEquityLineItems" xlink:to="us-gaap_ScheduleOfCapitalizationEquityLineItems_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfCapitalizationEquityLineItems_lbl" xml:lang="en-US">Schedule of Capitalization, Equity [Line Items]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:label="dei_DocumentType" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentType_lbl" xml:lang="en-US">Document Type</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl" xml:lang="en-US">Amendment Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentDescription" xlink:label="dei_AmendmentDescription" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentDescription" xlink:to="dei_AmendmentDescription_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentDescription_lbl" xml:lang="en-US">Amendment Description</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentRegistrationStatement" xlink:label="dei_DocumentRegistrationStatement" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentRegistrationStatement" xlink:to="dei_DocumentRegistrationStatement_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentRegistrationStatement_lbl" xml:lang="en-US">Document Registration Statement</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentAnnualReport" xlink:label="dei_DocumentAnnualReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAnnualReport" xlink:to="dei_DocumentAnnualReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAnnualReport_lbl" xml:lang="en-US">Document Annual Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentQuarterlyReport" xlink:label="dei_DocumentQuarterlyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentQuarterlyReport" xlink:to="dei_DocumentQuarterlyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentQuarterlyReport_lbl" xml:lang="en-US">Document Quarterly Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentTransitionReport" xlink:label="dei_DocumentTransitionReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentTransitionReport" xlink:to="dei_DocumentTransitionReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentTransitionReport_lbl" xml:lang="en-US">Document Transition Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentShellCompanyReport" xlink:label="dei_DocumentShellCompanyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyReport" xlink:to="dei_DocumentShellCompanyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyReport_lbl" xml:lang="en-US">Document Shell Company Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentShellCompanyEventDate" xlink:label="dei_DocumentShellCompanyEventDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyEventDate" xlink:to="dei_DocumentShellCompanyEventDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyEventDate_lbl" xml:lang="en-US">Document Shell Company Event Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodStartDate" xlink:label="dei_DocumentPeriodStartDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodStartDate" xlink:to="dei_DocumentPeriodStartDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodStartDate_lbl" xml:lang="en-US">Document Period Start Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="dei_DocumentFiscalPeriodFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US">Document Fiscal Period Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="dei_DocumentFiscalYearFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US">Document Fiscal Year Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US">Current Fiscal Year End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityPrimarySicNumber" xlink:label="dei_EntityPrimarySicNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPrimarySicNumber" xlink:to="dei_EntityPrimarySicNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPrimarySicNumber_lbl" xml:lang="en-US">Entity Primary SIC Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine2" xlink:label="dei_EntityAddressAddressLine2" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US">Entity Address, Address Line Two</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine3" xlink:label="dei_EntityAddressAddressLine3" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US">Entity Address, Address Line Three</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCountry" xlink:label="dei_EntityAddressCountry" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCountry_lbl" xml:lang="en-US">Entity Address, Country</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CountryRegion" xlink:label="dei_CountryRegion" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CountryRegion" xlink:to="dei_CountryRegion_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Extension" xlink:label="dei_Extension" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Extension" xlink:to="dei_Extension_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Extension_lbl" xml:lang="en-US">Extension</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US">No Trading Symbol Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12gTitle" xlink:label="dei_Security12gTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12gTitle" xlink:to="dei_Security12gTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12gTitle_lbl" xml:lang="en-US">Title of 12(g) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityReportingObligation" xlink:label="dei_SecurityReportingObligation" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityReportingObligation" xlink:to="dei_SecurityReportingObligation_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityReportingObligation_lbl" xml:lang="en-US">Security Reporting Obligation</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AnnualInformationForm" xlink:label="dei_AnnualInformationForm" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AnnualInformationForm" xlink:to="dei_AnnualInformationForm_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AnnualInformationForm_lbl" xml:lang="en-US">Annual Information Form</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="dei_AuditedAnnualFinancialStatements" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditedAnnualFinancialStatements" xlink:to="dei_AuditedAnnualFinancialStatements_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditedAnnualFinancialStatements_lbl" xml:lang="en-US">Audited Annual Financial Statements</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US">Entity Voluntary Filers</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US">Entity Current Reporting Status</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityInteractiveDataCurrent" xlink:label="dei_EntityInteractiveDataCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityInteractiveDataCurrent_lbl" xml:lang="en-US">Entity Interactive Data Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFilerCategory_lbl" xml:lang="en-US">Entity Filer Category</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntitySmallBusiness" xlink:label="dei_EntitySmallBusiness" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntitySmallBusiness_lbl" xml:lang="en-US">Entity Small Business</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US">Entity Emerging Growth Company</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityExTransitionPeriod" xlink:label="dei_EntityExTransitionPeriod" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityExTransitionPeriod" xlink:to="dei_EntityExTransitionPeriod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityExTransitionPeriod_lbl" xml:lang="en-US">Elected Not To Use the Extended Transition Period</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentAccountingStandard" xlink:label="dei_DocumentAccountingStandard" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAccountingStandard" xlink:to="dei_DocumentAccountingStandard_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAccountingStandard_lbl" xml:lang="en-US">Document Accounting Standard</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_OtherReportingStandardItemNumber" xlink:label="dei_OtherReportingStandardItemNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_OtherReportingStandardItemNumber" xlink:to="dei_OtherReportingStandardItemNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_OtherReportingStandardItemNumber_lbl" xml:lang="en-US">Other Reporting Standard Item Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityShellCompany" xlink:label="dei_EntityShellCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityShellCompany_lbl" xml:lang="en-US">Entity Shell Company</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityPublicFloat" xlink:label="dei_EntityPublicFloat" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPublicFloat" xlink:to="dei_EntityPublicFloat_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPublicFloat_lbl" xml:lang="en-US">Entity Public Float</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityBankruptcyProceedingsReportingCurrent" xlink:label="dei_EntityBankruptcyProceedingsReportingCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityBankruptcyProceedingsReportingCurrent" xlink:to="dei_EntityBankruptcyProceedingsReportingCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityBankruptcyProceedingsReportingCurrent_lbl" xml:lang="en-US">Entity Bankruptcy Proceedings, Reporting Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="dei_EntityCommonStockSharesOutstanding" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCommonStockSharesOutstanding" xlink:to="dei_EntityCommonStockSharesOutstanding_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCommonStockSharesOutstanding_lbl" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentsIncorporatedByReferenceTextBlock" xlink:label="dei_DocumentsIncorporatedByReferenceTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentsIncorporatedByReferenceTextBlock" xlink:to="dei_DocumentsIncorporatedByReferenceTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentsIncorporatedByReferenceTextBlock_lbl" xml:lang="en-US">Documents Incorporated by Reference [Text Block]</link:label>
    </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>10
<FILENAME>cof-20210609_pre.xml
<DESCRIPTION>XBRL PRESENTATION FILE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.8a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: http://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
    <link:roleRef roleURI="http://capitalone.com/role/Cover" xlink:href="cof-20210609.xsd#Cover" xlink:type="simple" />
    <link:presentationLink xlink:type="extended" xlink:role="http://capitalone.com/role/Cover" xlink:title="00000001 - Document - Cover">
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="loc_deiCoverAbstract" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementTable" xlink:label="loc_us-gaapStatementTable" />
      <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_us-gaapStatementTable" order="100" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfCapitalizationEquityLineItems" xlink:label="loc_us-gaapScheduleOfCapitalizationEquityLineItems" />
      <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapStatementTable" xlink:to="loc_us-gaapScheduleOfCapitalizationEquityLineItems" order="200" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="loc_us-gaapStatementClassOfStockAxis" />
      <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapStatementTable" xlink:to="loc_us-gaapStatementClassOfStockAxis" order="10" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="loc_us-gaapClassOfStockDomain" />
      <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapStatementClassOfStockAxis" xlink:to="loc_us-gaapClassOfStockDomain" order="0" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockMember" xlink:label="loc_us-gaapCommonStockMember" />
      <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_us-gaapCommonStockMember" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SeriesGPreferredStockMember" xlink:label="loc_us-gaapSeriesGPreferredStockMember" />
      <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_us-gaapSeriesGPreferredStockMember" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SeriesHPreferredStockMember" xlink:label="loc_us-gaapSeriesHPreferredStockMember" />
      <link:presentationArc order="40" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_us-gaapSeriesHPreferredStockMember" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeriesIPreferredStockMember" xlink:label="loc_COFSeriesIPreferredStockMember" />
      <link:presentationArc order="50" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_COFSeriesIPreferredStockMember" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeriesJPreferredStockMember" xlink:label="loc_COFSeriesJPreferredStockMember" />
      <link:presentationArc order="60" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_COFSeriesJPreferredStockMember" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeriesKPreferredStockMember" xlink:label="loc_COFSeriesKPreferredStockMember" />
      <link:presentationArc order="70" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_COFSeriesKPreferredStockMember" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeriesLPreferredStockMember" xlink:label="loc_COFSeriesLPreferredStockMember" />
      <link:presentationArc order="80" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_COFSeriesLPreferredStockMember" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeniorNotesDue2024Member" xlink:label="loc_COFSeniorNotesDue2024Member" />
      <link:presentationArc order="90" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_COFSeniorNotesDue2024Member" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="cof-20210609.xsd#COF_SeniorNotesDue2029Member" xlink:label="loc_COFSeniorNotesDue2029Member" />
      <link:presentationArc order="100" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapClassOfStockDomain" xlink:to="loc_COFSeniorNotesDue2029Member" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:label="loc_deiDocumentType" />
      <link:presentationArc order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentType" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:label="loc_deiAmendmentFlag" />
      <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiAmendmentFlag" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentDescription" xlink:label="loc_deiAmendmentDescription" />
      <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiAmendmentDescription" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentRegistrationStatement" xlink:label="loc_deiDocumentRegistrationStatement" />
      <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentRegistrationStatement" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentAnnualReport" xlink:label="loc_deiDocumentAnnualReport" />
      <link:presentationArc order="40" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentAnnualReport" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentQuarterlyReport" xlink:label="loc_deiDocumentQuarterlyReport" />
      <link:presentationArc order="50" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentQuarterlyReport" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentTransitionReport" xlink:label="loc_deiDocumentTransitionReport" />
      <link:presentationArc order="60" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentTransitionReport" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentShellCompanyReport" xlink:label="loc_deiDocumentShellCompanyReport" />
      <link:presentationArc order="70" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentShellCompanyReport" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentShellCompanyEventDate" xlink:label="loc_deiDocumentShellCompanyEventDate" />
      <link:presentationArc order="80" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentShellCompanyEventDate" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodStartDate" xlink:label="loc_deiDocumentPeriodStartDate" />
      <link:presentationArc order="90" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentPeriodStartDate" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="loc_deiDocumentPeriodEndDate" />
      <link:presentationArc order="100" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentPeriodEndDate" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="loc_deiDocumentFiscalPeriodFocus" />
      <link:presentationArc order="110" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentFiscalPeriodFocus" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="loc_deiDocumentFiscalYearFocus" />
      <link:presentationArc order="120" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentFiscalYearFocus" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="loc_deiCurrentFiscalYearEndDate" />
      <link:presentationArc order="130" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiCurrentFiscalYearEndDate" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:label="loc_deiEntityFileNumber" />
      <link:presentationArc order="140" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityFileNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:label="loc_deiEntityRegistrantName" />
      <link:presentationArc order="150" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityRegistrantName" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="loc_deiEntityCentralIndexKey" />
      <link:presentationArc order="160" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityCentralIndexKey" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityPrimarySicNumber" xlink:label="loc_deiEntityPrimarySicNumber" />
      <link:presentationArc order="170" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityPrimarySicNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:label="loc_deiEntityTaxIdentificationNumber" />
      <link:presentationArc order="180" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityTaxIdentificationNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="loc_deiEntityIncorporationStateCountryCode" />
      <link:presentationArc order="190" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityIncorporationStateCountryCode" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:label="loc_deiEntityAddressAddressLine1" />
      <link:presentationArc order="200" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressAddressLine1" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine2" xlink:label="loc_deiEntityAddressAddressLine2" />
      <link:presentationArc order="210" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressAddressLine2" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine3" xlink:label="loc_deiEntityAddressAddressLine3" />
      <link:presentationArc order="220" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressAddressLine3" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:label="loc_deiEntityAddressCityOrTown" />
      <link:presentationArc order="230" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressCityOrTown" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:label="loc_deiEntityAddressStateOrProvince" />
      <link:presentationArc order="240" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressStateOrProvince" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCountry" xlink:label="loc_deiEntityAddressCountry" />
      <link:presentationArc order="250" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressCountry" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:label="loc_deiEntityAddressPostalZipCode" />
      <link:presentationArc order="260" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityAddressPostalZipCode" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CountryRegion" xlink:label="loc_deiCountryRegion" />
      <link:presentationArc order="270" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiCountryRegion" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:label="loc_deiCityAreaCode" />
      <link:presentationArc order="280" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiCityAreaCode" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:label="loc_deiLocalPhoneNumber" />
      <link:presentationArc order="290" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiLocalPhoneNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Extension" xlink:label="loc_deiExtension" />
      <link:presentationArc order="300" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiExtension" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:label="loc_deiWrittenCommunications" />
      <link:presentationArc order="310" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiWrittenCommunications" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:label="loc_deiSolicitingMaterial" />
      <link:presentationArc order="320" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiSolicitingMaterial" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:label="loc_deiPreCommencementTenderOffer" />
      <link:presentationArc order="330" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiPreCommencementTenderOffer" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="loc_deiPreCommencementIssuerTenderOffer" />
      <link:presentationArc order="340" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiPreCommencementIssuerTenderOffer" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:label="loc_deiSecurity12bTitle" />
      <link:presentationArc order="350" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiSecurity12bTitle" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_NoTradingSymbolFlag" xlink:label="loc_deiNoTradingSymbolFlag" />
      <link:presentationArc order="360" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiNoTradingSymbolFlag" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:label="loc_deiTradingSymbol" />
      <link:presentationArc order="370" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiTradingSymbol" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:label="loc_deiSecurityExchangeName" />
      <link:presentationArc order="380" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiSecurityExchangeName" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12gTitle" xlink:label="loc_deiSecurity12gTitle" />
      <link:presentationArc order="390" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiSecurity12gTitle" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityReportingObligation" xlink:label="loc_deiSecurityReportingObligation" />
      <link:presentationArc order="400" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiSecurityReportingObligation" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AnnualInformationForm" xlink:label="loc_deiAnnualInformationForm" />
      <link:presentationArc order="410" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiAnnualInformationForm" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="loc_deiAuditedAnnualFinancialStatements" />
      <link:presentationArc order="420" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiAuditedAnnualFinancialStatements" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="loc_deiEntityWellKnownSeasonedIssuer" />
      <link:presentationArc order="430" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityWellKnownSeasonedIssuer" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityVoluntaryFilers" xlink:label="loc_deiEntityVoluntaryFilers" />
      <link:presentationArc order="440" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityVoluntaryFilers" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="loc_deiEntityCurrentReportingStatus" />
      <link:presentationArc order="450" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityCurrentReportingStatus" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityInteractiveDataCurrent" xlink:label="loc_deiEntityInteractiveDataCurrent" />
      <link:presentationArc order="460" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityInteractiveDataCurrent" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFilerCategory" xlink:label="loc_deiEntityFilerCategory" />
      <link:presentationArc order="470" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityFilerCategory" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntitySmallBusiness" xlink:label="loc_deiEntitySmallBusiness" />
      <link:presentationArc order="480" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntitySmallBusiness" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:label="loc_deiEntityEmergingGrowthCompany" />
      <link:presentationArc order="490" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityEmergingGrowthCompany" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityExTransitionPeriod" xlink:label="loc_deiEntityExTransitionPeriod" />
      <link:presentationArc order="500" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityExTransitionPeriod" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentAccountingStandard" xlink:label="loc_deiDocumentAccountingStandard" />
      <link:presentationArc order="510" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentAccountingStandard" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_OtherReportingStandardItemNumber" xlink:label="loc_deiOtherReportingStandardItemNumber" />
      <link:presentationArc order="520" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiOtherReportingStandardItemNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityShellCompany" xlink:label="loc_deiEntityShellCompany" />
      <link:presentationArc order="530" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityShellCompany" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityPublicFloat" xlink:label="loc_deiEntityPublicFloat" />
      <link:presentationArc order="540" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityPublicFloat" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityBankruptcyProceedingsReportingCurrent" xlink:label="loc_deiEntityBankruptcyProceedingsReportingCurrent" />
      <link:presentationArc order="550" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityBankruptcyProceedingsReportingCurrent" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="loc_deiEntityCommonStockSharesOutstanding" />
      <link:presentationArc order="560" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiEntityCommonStockSharesOutstanding" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentsIncorporatedByReferenceTextBlock" xlink:label="loc_deiDocumentsIncorporatedByReferenceTextBlock" />
      <link:presentationArc order="570" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaapScheduleOfCapitalizationEquityLineItems" xlink:to="loc_deiDocumentsIncorporatedByReferenceTextBlock" xlink:type="arc" />
    </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>dp152438_8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:COF="http://capitalone.com/20210609"
  xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31"
  xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:us-gaap="http://fasb.org/us-gaap/2020-01-31"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="cof-20210609.xsd" xlink:type="simple"/>
    <context id="From2021-06-09to2021-06-09">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000927628</identifier>
        </entity>
        <period>
            <startDate>2021-06-09</startDate>
            <endDate>2021-06-09</endDate>
        </period>
    </context>
    <context id="From2021-06-092021-06-09_us-gaap_CommonStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000927628</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-06-09</startDate>
            <endDate>2021-06-09</endDate>
        </period>
    </context>
    <context id="From2021-06-092021-06-09_us-gaap_SeriesGPreferredStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000927628</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesGPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-06-09</startDate>
            <endDate>2021-06-09</endDate>
        </period>
    </context>
    <context id="From2021-06-092021-06-09_us-gaap_SeriesHPreferredStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000927628</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesHPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-06-09</startDate>
            <endDate>2021-06-09</endDate>
        </period>
    </context>
    <context id="From2021-06-092021-06-09_custom_SeriesIPreferredStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000927628</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeriesIPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-06-09</startDate>
            <endDate>2021-06-09</endDate>
        </period>
    </context>
    <context id="From2021-06-092021-06-09_custom_SeriesJPreferredStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000927628</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeriesJPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-06-09</startDate>
            <endDate>2021-06-09</endDate>
        </period>
    </context>
    <context id="From2021-06-092021-06-09_custom_SeriesKPreferredStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000927628</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeriesKPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-06-09</startDate>
            <endDate>2021-06-09</endDate>
        </period>
    </context>
    <context id="From2021-06-092021-06-09_custom_SeriesLPreferredStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000927628</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeriesLPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-06-09</startDate>
            <endDate>2021-06-09</endDate>
        </period>
    </context>
    <context id="From2021-06-092021-06-09_custom_SeniorNotesDue2024Member">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000927628</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeniorNotesDue2024Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-06-09</startDate>
            <endDate>2021-06-09</endDate>
        </period>
    </context>
    <context id="From2021-06-092021-06-09_custom_SeniorNotesDue2029Member">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000927628</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">COF:SeniorNotesDue2029Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-06-09</startDate>
            <endDate>2021-06-09</endDate>
        </period>
    </context>
    <unit id="USD">
        <measure>iso4217:USD</measure>
    </unit>
    <unit id="Shares">
        <measure>shares</measure>
    </unit>
    <unit id="USDPShares">
        <divide>
            <unitNumerator>
                <measure>iso4217:USD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>shares</measure>
            </unitDenominator>
        </divide>
    </unit>
    <dei:EntityCentralIndexKey contextRef="From2021-06-09to2021-06-09">0000927628</dei:EntityCentralIndexKey>
    <dei:AmendmentFlag contextRef="From2021-06-09to2021-06-09">false</dei:AmendmentFlag>
    <dei:CurrentFiscalYearEndDate contextRef="From2021-06-09to2021-06-09">--12-31</dei:CurrentFiscalYearEndDate>
    <dei:DocumentType contextRef="From2021-06-09to2021-06-09">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="From2021-06-09to2021-06-09">2021-06-09</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="From2021-06-09to2021-06-09">CAPITAL ONE FINANCIAL CORPORATION</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="From2021-06-09to2021-06-09">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="From2021-06-09to2021-06-09">001-13300</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="From2021-06-09to2021-06-09">54-1719854</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="From2021-06-09to2021-06-09">1680 Capital One Drive</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="From2021-06-09to2021-06-09">McLean</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="From2021-06-09to2021-06-09">VA</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="From2021-06-09to2021-06-09">22102</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="From2021-06-09to2021-06-09">703</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="From2021-06-09to2021-06-09">720-1000</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="From2021-06-09to2021-06-09">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="From2021-06-09to2021-06-09">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="From2021-06-09to2021-06-09">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="From2021-06-09to2021-06-09">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="From2021-06-092021-06-09_us-gaap_CommonStockMember">Common Stock (par value $.01 per share)</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-06-092021-06-09_us-gaap_CommonStockMember">COF</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-06-092021-06-09_us-gaap_CommonStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-06-092021-06-09_us-gaap_SeriesGPreferredStockMember">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series G</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-06-092021-06-09_us-gaap_SeriesGPreferredStockMember">COF PRG</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-06-092021-06-09_us-gaap_SeriesGPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-06-092021-06-09_us-gaap_SeriesHPreferredStockMember">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series H</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-06-092021-06-09_us-gaap_SeriesHPreferredStockMember">COF PRH</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-06-092021-06-09_us-gaap_SeriesHPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-06-092021-06-09_custom_SeriesIPreferredStockMember">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series I</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-06-092021-06-09_custom_SeriesIPreferredStockMember">COF PRI</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-06-092021-06-09_custom_SeriesIPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-06-092021-06-09_custom_SeriesJPreferredStockMember">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series J</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-06-092021-06-09_custom_SeriesJPreferredStockMember">COF PRJ</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-06-092021-06-09_custom_SeriesJPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-06-092021-06-09_custom_SeriesKPreferredStockMember">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-06-092021-06-09_custom_SeriesKPreferredStockMember">COF PRK</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-06-092021-06-09_custom_SeriesKPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-06-092021-06-09_custom_SeriesLPreferredStockMember">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series L</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-06-092021-06-09_custom_SeriesLPreferredStockMember">COF PRL</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-06-092021-06-09_custom_SeriesLPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-06-092021-06-09_custom_SeniorNotesDue2024Member">0.800% Senior Notes Due 2024</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-06-092021-06-09_custom_SeniorNotesDue2024Member">COF24</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-06-092021-06-09_custom_SeniorNotesDue2024Member">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2021-06-092021-06-09_custom_SeniorNotesDue2029Member">1.650% Senior Notes Due 2029</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-06-092021-06-09_custom_SeniorNotesDue2029Member">COF29</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-06-092021-06-09_custom_SeniorNotesDue2029Member">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="From2021-06-09to2021-06-09">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140204737528328">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Jun. 09, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jun.  09,  2021<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-13300<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">CAPITAL ONE FINANCIAL CORPORATION<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000927628<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">54-1719854<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">1680 Capital One Drive<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">McLean<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">VA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">22102<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">703<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">720-1000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock (par value $.01 per share)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesGPreferredStockMember', window );">Series G Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series G<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF PRG<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesHPreferredStockMember', window );">Series H Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series H<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF PRH<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=COF_SeriesIPreferredStockMember', window );">Series I Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series I<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF PRI<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=COF_SeriesJPreferredStockMember', window );">Series J Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series J<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF PRJ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=COF_SeriesKPreferredStockMember', window );">Series K Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF PRK<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=COF_SeriesLPreferredStockMember', window );">Series L Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series L<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF PRL<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=COF_SeniorNotesDue2024Member', window );">Senior Notes Due 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">0.800% Senior Notes Due 2024<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF24<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=COF_SeniorNotesDue2029Member', window );">Senior Notes Due 2029 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCapitalizationEquityLineItems', window );"><strong>Schedule of Capitalization, Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">1.650% Senior Notes Due 2029<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">COF29<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfCapitalizationEquityLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfCapitalizationEquityLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesGPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesGPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesHPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesHPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=COF_SeriesIPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=COF_SeriesIPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=COF_SeriesJPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=COF_SeriesJPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=COF_SeriesKPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=COF_SeriesKPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=COF_SeriesLPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=COF_SeriesLPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=COF_SeniorNotesDue2024Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=COF_SeniorNotesDue2024Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=COF_SeniorNotesDue2029Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=COF_SeniorNotesDue2029Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>13
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M?!^2!F.,6_0T7X\48JVFL:W&VC$,>8!8\PRA9CC?AT6:&C/5BZPYC0IO0=5
MY3_;U UH]@TT')$%7C&9MC:CY$X*/-S^[PVPPL2.X>V+OP%02P,$%     @
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MN-&S7[\)VBJ@NN)3S&Z+M6.B'N6:\V]J,(R.&Y9BQ!(62@5!X<\-Z[,D44C
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M <C0">[:US*X4"]S_>XQG>!JT7;W)=JN%FUW9Z)M0'KV3GB')43[@?M4/S
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M='@//GL?)=-[*CG_5U/\!%!+ P04    "  ,@LI2EXJ[',     3 @  "P
M %]R96QS+RYR96QSG9*Y;L,P#$!_Q=">, ?0(8@S9?$6!/D!5J(/V!(%BD6=
MOZ_:I7&0"QEY/3P2W!YI0.TXI+:+J1C]$%)I6M6X 4BV)8]ISI%"KM0L'C6'
MTD!$VV-#L%HL/D N&6:WO606IW.D5XA<UYVE/=LO3T%O@*\Z3'%":4A+,P[P
MS=)_,O?S##5%Y4HCE5L:>-/E_G;@2=&A(E@6FD7)TZ(=I7\=Q_:0T^FO8R*T
M>EOH^7%H5 J.W&,EC'%BM/XU@LD/['X 4$L#!!0    (  R"RE*JQ"(6,P$
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M'EKG5LJ]AU>RY1AQ_)[E#U!+ P04    "  ,@LI2)!Z;HJT   #X 0  &@
M 'AL+U]R96QS+W=O<FMB;V]K+GAM;"YR96QSM9$]#H,P#(6O$N4 -5"I0P5,
M75@K+A %\R,2$L6N"K<OA0&0.G1ALIXM?^_)3I]H%'=NH+;S)$9K!LIDR^SO
M *1;M(HNSN,P3VH7K.)9A@:\TKUJ$)(HND'8,V2>[IFBG#S^0W1UW6E\./VR
M./ /,+Q=Z*E%9"E*%1KD3,)HMC;!4N++3):BJ#(9BBJ6<%H@XLD@;6E6?;!/
M3K3G>1<W]T6NS>,)KM\,<'AT_@%02P,$%     @ #(+*4F60>9(9 0  SP,
M !,   !;0V]N=&5N=%]4>7!E<UTN>&ULK9--3L,P$(6O$F5;)2XL6*"F&V +
M77 !8T\:J_Z39UK2VS-.VDJ@$A6%3:QXWKS/GI>LWH\1L.B=]=B4'5%\% )5
M!TYB'2)XKK0A.4G\FK8B2K636Q#WR^6#4,$3>*HH>Y3KU3.T<F^I>.EY&TWP
M39G 8ED\C<+,:DH9HS5*$M?%P>L?E.I$J+EST&!G(BY84(JKA%SY'7#J>SM
M2D9#L9&)7J5CE>BM0#I:P'K:XLH90]L:!3JHO>.6&F,"J;$#(&?KT70Q32:>
M,(S/N]G\P68*R,I-"A$YL01_QYTCR=U59"-(9*:O>"&R]>S[04Y;@[Z1S>/]
M#&DWY(%B6.;/^'O&%_\;SO$1PNZ_/[&\UDX:?^:+X3]>?P%02P$"% ,4
M"  ,@LI2!T%-8H$   "Q    $               @ $     9&]C4')O<',O
M87!P+GAM;%!+ 0(4 Q0    (  R"RE(<&UM"[0   "L"   1
M  "  :\   !D;V-0<F]P<R]C;W)E+GAM;%!+ 0(4 Q0    (  R"RE*97)PC
M$ 8  )PG   3              "  <L!  !X;"]T:&5M92]T:&5M93$N>&UL
M4$L! A0#%     @ #(+*4C-26%RS!@  .RD  !@              ("!# @
M 'AL+W=O<FMS:&5E=',O<VAE970Q+GAM;%!+ 0(4 Q0    (  R"RE*?H!OP
ML0(  .(,   -              "  ?4.  !X;"]S='EL97,N>&UL4$L! A0#
M%     @ #(+*4I>*NQS     $P(   L              ( !T1$  %]R96QS
M+RYR96QS4$L! A0#%     @ #(+*4JK$(A8S 0  (@(   \
M ( !NA(  'AL+W=O<FMB;V]K+GAM;%!+ 0(4 Q0    (  R"RE(D'INBK0
M /@!   :              "  1H4  !X;"]?<F5L<R]W;W)K8F]O:RYX;6PN
M<F5L<U!+ 0(4 Q0    (  R"RE)ED'F2&0$  ,\#   3              "
M ?\4  !;0V]N=&5N=%]4>7!E<UTN>&UL4$L%!@     )  D /@(  $D6
!  $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>14
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>15
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>16
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.21.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>10</ContextCount>
  <ElementCount>96</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>9</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>3</UnitCount>
  <MyReports>
    <Report instance="dp152438_8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>00000001 - Document - Cover</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://capitalone.com/role/Cover</Role>
      <ShortName>Cover</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="dp152438_8k.htm">dp152438_8k.htm</File>
    <File>cof-20210609.xsd</File>
    <File>cof-20210609_def.xml</File>
    <File>cof-20210609_lab.xml</File>
    <File>cof-20210609_pre.xml</File>
    <File>dp152438_ex0101.htm</File>
    <File>dp152438_ex0301.htm</File>
    <File>dp152438_ex0501.htm</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://fasb.org/us-gaap/2020-01-31</BaseTaxonomy>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2020-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>18
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "dp152438_8k.htm": {
   "axisCustom": 0,
   "axisStandard": 1,
   "contextCount": 10,
   "dts": {
    "definitionLink": {
     "local": [
      "cof-20210609_def.xml"
     ],
     "remote": [
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-eedm-def-2020-01-31.xml",
      "http://xbrl.fasb.org/srt/2020/elts/srt-eedm1-def-2020-01-31.xml"
     ]
    },
    "inline": {
     "local": [
      "dp152438_8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "cof-20210609_lab.xml"
     ],
     "remote": [
      "https://xbrl.sec.gov/dei/2020/dei-doc-2020-01-31.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "cof-20210609_pre.xml"
     ]
    },
    "referenceLink": {
     "remote": [
      "https://xbrl.sec.gov/dei/2020/dei-ref-2020-01-31.xml"
     ]
    },
    "schema": {
     "local": [
      "cof-20210609.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd",
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-roles-2020-01-31.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-types-2020-01-31.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-roles-2020-01-31.xsd",
      "https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-types-2020-01-31.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd"
     ]
    }
   },
   "elementCount": 72,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2020-01-31": 3,
    "total": 3
   },
   "keyCustom": 0,
   "keyStandard": 96,
   "memberCustom": 6,
   "memberStandard": 3,
   "nsprefix": "COF",
   "nsuri": "http://capitalone.com/20210609",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "b",
       "p",
       "body",
       "html"
      ],
      "baseRef": "dp152438_8k.htm",
      "contextRef": "From2021-06-09to2021-06-09",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "00000001 - Document - Cover",
     "role": "http://capitalone.com/role/Cover",
     "shortName": "Cover",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "b",
       "p",
       "body",
       "html"
      ],
      "baseRef": "dp152438_8k.htm",
      "contextRef": "From2021-06-09to2021-06-09",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 9,
   "tag": {
    "COF_SeniorNotesDue2024Member": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Senior Notes Due 2024 [Member]"
       }
      }
     },
     "localname": "SeniorNotesDue2024Member",
     "nsuri": "http://capitalone.com/20210609",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "domainItemType"
    },
    "COF_SeniorNotesDue2029Member": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Senior Notes Due 2029 [Member]"
       }
      }
     },
     "localname": "SeniorNotesDue2029Member",
     "nsuri": "http://capitalone.com/20210609",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "domainItemType"
    },
    "COF_SeriesIPreferredStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Series I Preferred Stock [Member]"
       }
      }
     },
     "localname": "SeriesIPreferredStockMember",
     "nsuri": "http://capitalone.com/20210609",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "domainItemType"
    },
    "COF_SeriesJPreferredStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Series J Preferred Stock [Member]"
       }
      }
     },
     "localname": "SeriesJPreferredStockMember",
     "nsuri": "http://capitalone.com/20210609",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "domainItemType"
    },
    "COF_SeriesKPreferredStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Series K Preferred Stock [Member]"
       }
      }
     },
     "localname": "SeriesKPreferredStockMember",
     "nsuri": "http://capitalone.com/20210609",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "domainItemType"
    },
    "COF_SeriesLPreferredStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Series L Preferred Stock [Member]"
       }
      }
     },
     "localname": "SeriesLPreferredStockMember",
     "nsuri": "http://capitalone.com/20210609",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "domainItemType"
    },
    "dei_AmendmentDescription": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Description of changes contained within amended document.",
        "label": "Amendment Description"
       }
      }
     },
     "localname": "AmendmentDescription",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "stringItemType"
    },
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_AnnualInformationForm": {
     "auth_ref": [
      "r12"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag with value true on a form if it is an annual report containing an annual information form.",
        "label": "Annual Information Form"
       }
      }
     },
     "localname": "AnnualInformationForm",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_AuditedAnnualFinancialStatements": {
     "auth_ref": [
      "r12"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag with value true on a form if it is an annual report containing audited financial statements.",
        "label": "Audited Annual Financial Statements"
       }
      }
     },
     "localname": "AuditedAnnualFinancialStatements",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CountryRegion": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Region code of country",
        "label": "Country Region"
       }
      }
     },
     "localname": "CountryRegion",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page."
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "xbrltype": "stringItemType"
    },
    "dei_CurrentFiscalYearEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "End date of current fiscal year in the format --MM-DD.",
        "label": "Current Fiscal Year End Date"
       }
      }
     },
     "localname": "CurrentFiscalYearEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "gMonthDayItemType"
    },
    "dei_DocumentAccountingStandard": {
     "auth_ref": [
      "r11"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The basis of accounting the registrant has used to prepare the financial statements included in this filing This can either be 'U.S. GAAP', 'International Financial Reporting Standards', or 'Other'.",
        "label": "Document Accounting Standard"
       }
      }
     },
     "localname": "DocumentAccountingStandard",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "accountingStandardItemType"
    },
    "dei_DocumentAnnualReport": {
     "auth_ref": [
      "r9",
      "r11",
      "r12"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a form used as an annual report.",
        "label": "Document Annual Report"
       }
      }
     },
     "localname": "DocumentAnnualReport",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_DocumentFiscalPeriodFocus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.",
        "label": "Document Fiscal Period Focus"
       }
      }
     },
     "localname": "DocumentFiscalPeriodFocus",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "fiscalPeriodItemType"
    },
    "dei_DocumentFiscalYearFocus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.",
        "label": "Document Fiscal Year Focus"
       }
      }
     },
     "localname": "DocumentFiscalYearFocus",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "gYearItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentPeriodStartDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The start date of the period covered in the document, in YYYY-MM-DD format.",
        "label": "Document Period Start Date"
       }
      }
     },
     "localname": "DocumentPeriodStartDate",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentQuarterlyReport": {
     "auth_ref": [
      "r10"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a form used as an quarterly report.",
        "label": "Document Quarterly Report"
       }
      }
     },
     "localname": "DocumentQuarterlyReport",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_DocumentRegistrationStatement": {
     "auth_ref": [
      "r18"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a form used as a registration statement.",
        "label": "Document Registration Statement"
       }
      }
     },
     "localname": "DocumentRegistrationStatement",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_DocumentShellCompanyEventDate": {
     "auth_ref": [
      "r11"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Date of event requiring a shell company report.",
        "label": "Document Shell Company Event Date"
       }
      }
     },
     "localname": "DocumentShellCompanyEventDate",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentShellCompanyReport": {
     "auth_ref": [
      "r11"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true for a Shell Company Report pursuant to section 13 or 15(d) of the Exchange Act.",
        "label": "Document Shell Company Report"
       }
      }
     },
     "localname": "DocumentShellCompanyReport",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_DocumentTransitionReport": {
     "auth_ref": [
      "r13"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a form used as a transition report.",
        "label": "Document Transition Report"
       }
      }
     },
     "localname": "DocumentTransitionReport",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_DocumentsIncorporatedByReferenceTextBlock": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Documents incorporated by reference.",
        "label": "Documents Incorporated by Reference [Text Block]"
       }
      }
     },
     "localname": "DocumentsIncorporatedByReferenceTextBlock",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "textBlockItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine2": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 2 such as Street or Suite number",
        "label": "Entity Address, Address Line Two"
       }
      }
     },
     "localname": "EntityAddressAddressLine2",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine3": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 3 such as an Office Park",
        "label": "Entity Address, Address Line Three"
       }
      }
     },
     "localname": "EntityAddressAddressLine3",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCountry": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "ISO 3166-1 alpha-2 country code.",
        "label": "Entity Address, Country"
       }
      }
     },
     "localname": "EntityAddressCountry",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "countryCodeItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityBankruptcyProceedingsReportingCurrent": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "For registrants involved in bankruptcy proceedings during the preceding five years, the value Yes indicates that the registrant has filed all documents and reports required to be filed by Section 12, 13 or 15(d) of the Securities Exchange Act of 1934 subsequent to the distribution of securities under a plan confirmed by a court; the value No indicates the registrant has not.  Registrants not involved in bankruptcy proceedings during the preceding five years should not report this element.",
        "label": "Entity Bankruptcy Proceedings, Reporting Current"
       }
      }
     },
     "localname": "EntityBankruptcyProceedingsReportingCurrent",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r14"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityCommonStockSharesOutstanding": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.",
        "label": "Entity Common Stock, Shares Outstanding"
       }
      }
     },
     "localname": "EntityCommonStockSharesOutstanding",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "sharesItemType"
    },
    "dei_EntityCurrentReportingStatus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate 'Yes' or 'No' whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.",
        "label": "Entity Current Reporting Status"
       }
      }
     },
     "localname": "EntityCurrentReportingStatus",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "yesNoItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r14"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityExTransitionPeriod": {
     "auth_ref": [
      "r17"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if an emerging growth company has elected not to use the extended transition period for complying with any new or revised financial accounting standards.",
        "label": "Elected Not To Use the Extended Transition Period"
       }
      }
     },
     "localname": "EntityExTransitionPeriod",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityFilerCategory": {
     "auth_ref": [
      "r14"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.",
        "label": "Entity Filer Category"
       }
      }
     },
     "localname": "EntityFilerCategory",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "filerCategoryItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation, State or Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityInteractiveDataCurrent": {
     "auth_ref": [
      "r15"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).",
        "label": "Entity Interactive Data Current"
       }
      }
     },
     "localname": "EntityInteractiveDataCurrent",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "yesNoItemType"
    },
    "dei_EntityPrimarySicNumber": {
     "auth_ref": [
      "r12"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Primary Standard Industrial Classification (SIC) Number for the Entity.",
        "label": "Entity Primary SIC Number"
       }
      }
     },
     "localname": "EntityPrimarySicNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "sicNumberItemType"
    },
    "dei_EntityPublicFloat": {
     "auth_ref": [],
     "crdr": "credit",
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter.",
        "label": "Entity Public Float"
       }
      }
     },
     "localname": "EntityPublicFloat",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "monetaryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r14"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityShellCompany": {
     "auth_ref": [
      "r14"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act.",
        "label": "Entity Shell Company"
       }
      }
     },
     "localname": "EntityShellCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntitySmallBusiness": {
     "auth_ref": [
      "r14"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicates that the company is a Smaller Reporting Company (SRC).",
        "label": "Entity Small Business"
       }
      }
     },
     "localname": "EntitySmallBusiness",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r14"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_EntityVoluntaryFilers": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.",
        "label": "Entity Voluntary Filers"
       }
      }
     },
     "localname": "EntityVoluntaryFilers",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "yesNoItemType"
    },
    "dei_EntityWellKnownSeasonedIssuer": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.",
        "label": "Entity Well-known Seasoned Issuer"
       }
      }
     },
     "localname": "EntityWellKnownSeasonedIssuer",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "yesNoItemType"
    },
    "dei_Extension": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Extension number for local phone number.",
        "label": "Extension"
       }
      }
     },
     "localname": "Extension",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_NoTradingSymbolFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a security having no trading symbol.",
        "label": "No Trading Symbol Flag"
       }
      }
     },
     "localname": "NoTradingSymbolFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_OtherReportingStandardItemNumber": {
     "auth_ref": [
      "r11"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "\"Item 17\" or \"Item 18\" specified when the basis of accounting is neither US GAAP nor IFRS.",
        "label": "Other Reporting Standard Item Number"
       }
      }
     },
     "localname": "OtherReportingStandardItemNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "otherReportingStandardItemNumberItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre-commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre-commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Title of 12(b) Security"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_Security12gTitle": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(g) registered security.",
        "label": "Title of 12(g) Security"
       }
      }
     },
     "localname": "Security12gTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SecurityReportingObligation": {
     "auth_ref": [
      "r7"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "15(d), indicating whether the security has a reporting obligation under that section of the Exchange Act.",
        "label": "Security Reporting Obligation"
       }
      }
     },
     "localname": "SecurityReportingObligation",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "securityReportingObligationItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r8"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r16"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "us-gaap_ClassOfStockDomain": {
     "auth_ref": [],
     "localname": "ClassOfStockDomain",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_CommonStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Common Stock [Member]"
       }
      }
     },
     "localname": "CommonStockMember",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_ScheduleOfCapitalizationEquityLineItems": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Schedule of Capitalization, Equity [Line Items]"
       }
      }
     },
     "localname": "ScheduleOfCapitalizationEquityLineItems",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "stringItemType"
    },
    "us-gaap_SeriesGPreferredStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Series G Preferred Stock [Member]"
       }
      }
     },
     "localname": "SeriesGPreferredStockMember",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_SeriesHPreferredStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Series H Preferred Stock [Member]"
       }
      }
     },
     "localname": "SeriesHPreferredStockMember",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_StatementClassOfStockAxis": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class of Stock [Axis]"
       }
      }
     },
     "localname": "StatementClassOfStockAxis",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "stringItemType"
    },
    "us-gaap_StatementTable": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Statement [Table]"
       }
      }
     },
     "localname": "StatementTable",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://capitalone.com/role/Cover"
     ],
     "xbrltype": "stringItemType"
    }
   },
   "unitCount": 3
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-23"
  },
  "r10": {
   "Name": "Form 10-Q",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "308",
   "Subsection": "a"
  },
  "r11": {
   "Name": "Form 20-F",
   "Number": "249",
   "Publisher": "SEC",
   "Section": "220",
   "Subsection": "f"
  },
  "r12": {
   "Name": "Form 40-F",
   "Number": "249",
   "Publisher": "SEC",
   "Section": "240",
   "Subsection": "f"
  },
  "r13": {
   "Name": "Forms 10-K, 10-Q, 20-F",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13",
   "Subsection": "a-1"
  },
  "r14": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r15": {
   "Name": "Regulation S-T",
   "Number": "232",
   "Publisher": "SEC",
   "Section": "405"
  },
  "r16": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  },
  "r17": {
   "Name": "Securities Act",
   "Number": "7A",
   "Publisher": "SEC",
   "Section": "B",
   "Subsection": "2"
  },
  "r18": {
   "Name": "Securities Act",
   "Number": "Section",
   "Publisher": "SEC",
   "Section": "12"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "g"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12, 13, 15d"
  },
  "r5": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r6": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r7": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "15",
   "Subsection": "d"
  },
  "r8": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r9": {
   "Name": "Form 10-K",
   "Number": "249",
   "Publisher": "SEC",
   "Section": "310"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>19
<FILENAME>0000950103-21-008647-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0000950103-21-008647-xbrl.zip
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M=-XMJE]I?W/2ZQNDUW^%]*:7-3-<?@=02P,$%     @ #(+*4BCB*XZ9"0
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ME1Y%YA4W>F\@,;D<2;TOJ%PF82]0*IT;3!2;>D@*D8>(-)UU <+5[O&XBM(
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M?>:&9NB>HL\I0=D#0?(QVI!OKV7$S^MQ^QLL02!>T,A7[DF(F0XDD]CZ[[&
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MB#\ )C<B@1+9FJ*72%X+R$'PJ#@&3,>$;_P:F&UU<S%V J@QAV(),+=O%"$
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MN<XTFW 6#[@DWKQESPS*(-ALOR9H1 3OB7A4V3*-UW=*QI3:+^KT]MP%))7
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M>NYG233$LXS3ZNGBV0*A65(&;@Z,$>\2$E]<%L#ZTQA8]2#JP38[FG(QP=,
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M3#K1^-B@.V*J!'TH-GXSUTN 5Q5_)3HAWGQ1HYC/5Q4_4CXFO=]0SY7#0ME
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M$; ;PP2AG=0,GD7=/MW:@E6UIYO@V0EEDAO%-678O,!17(L!LZ=!C<$0#"P
M2]5,+M>VYH[TC+*/4!0FG1,9IRV$!7 ^]1]J <]V?VX]9??GUI_1_3F+)T3M
M/,&$T26(N"+^2.W_J5Z#59UO2*R;F#A>9ZV P!"8BI.@JP@>S'J<RT@N$K+
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MYW'*!Q@%RTN%_KEX^$JJ)T*]O6_='^S=UKD"DD)4WR(J>:4 O!MNP&*E$*9
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M4_WD5(O6>I*,"4N2PE[/=5A>ZJQMD!4MU=$D#];^Y21=FNY3^/>L:<21;=(
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MB03EQ(F_ G0+0L<.5'^2C,U\<K<S8\C&2Y/-7EO=8PZ"2(Y.0ZM[US7!=S@
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M+;WBZ0/'4#G5(UA)M8('H268.SN8#XY0DA>=0B/(Y05MP4#A"G0#Y?I)]II
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M$15@.A3\1W<#BU85L=8?TD%87'R0,Z[Z9-_=ISB9X_U\_:2]GZ__C-[/66K
ML&ZGS+UJ3:X'+' <Q]0M8F5&83>S!;^J@;T:7%FKZRJ]C!?*5[&6R&K U[N!
M4^A;?!%'0VII 6,&V*^,@7;5-@/X3P/7/,+WUYK<X#"?I2AT5U>LU['".">U
M=+HSA$7K(MW?8OXW)2ZPDT[O75M].&P^[H@3$_53('1N']!ST9B,PP,5%:2?
MQZ_&GC\U^MT+@435<99\4S^$H_$'Q.\;4)[=P<%QP#7\MBBX(KT?_WE>W,YY
M!LZ!SMSN+^$4[NY.#L8P;_"<DZ3$.),IK-6"EDN/EUSNY.,_F?@&)Y-$O#\U
M;S/9%-(ED'+<9KFC257'I#@!;^AQ0;YW.8TSIE;03IIZ-\?R&KY0O\()G_-A
MXPK1A8EJJ229Z([#E.+:U#NAL2$S\0#0/PEXU3[A)A#.]OK/"LFU5A[5->G'
M3V:_M3="KYB) C\22BIDBUM-.FL3^62,T)Q,'<P)R6W2/CK.#)%.E'P^C)KL
M]',AOS>-R#XU!FK6SM1J^O+LZ3WF Y- 6V>C&JKLZAC%\M*>. ]\)^@9I5,2
MJ>M 96/8"W;6B7APL:_O<:TY69]$\+>R'5(L6,JN,=%3W37YY)&V+#B,2_O-
M(!\-V&85)P!'_>O16TJDZW/"XWNJQ;!N(C?A?D 9U,S-=>6CY82QKKJZD9_
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M"B.T%[9; CT5+(X6H]TLTY\@EW0#M;BHB6N,OR-KELK=ZDS%+#>U']X"\>K
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M<;N,-1M\68^N>-C('%#83[DO:LR)NJ>3_!)XC4V\<U)18OMH4 $!-R'!H(K
M'+CPR^3JYQP@ ^!0+4<-O#[>BGN6N*CNF>TC7(NO>>DW5. W:&AY4>7E>30B
M](AL3,UZ+B-=8HAA057%<F;620&5@G?+ QZ5@I&13H>U$6J*K8?Y()&4<NI=
M1_$<TY$&KAS=*]OG)#11=T[Y%> ^[$=/BVOI-U_)'V]XRI=.'%;G+<>*;;WC
M3<A+&D-#-_V4&U8=D]093@$,T\;TR,HVC51-'T(URZ9?RF2>'.9 YU7]JL:C
M'M91FPKI)M#YKC1%XMNZWZZI./ %35D-O:A/'1YU17P8)Q."E.;B BQOEA)V
MG<_N4@1U!+#0'B;94S'L!N?N3]W<P6KJIQ\E]!($)+L7VT3*CO!$&F__D&/H
M6,2]E@W7QED?ZXA-ZZ@5/[-W&$6:O11FKVE& D2TVM9L"FGU:1#>ZRKAG4ZH
M&Q[<?-&3NP;GU+9QTFE,M;((FSW+";+$H22%5O-"Z3JI6:7M11YS(K%!&G&9
M4U4WI21ZTXTC;VN]X38QT]UIF[E7T?HLY_;J;TG9\+XV,=3Z ,T9G8798@%>
M0NL>UY1(0\]!)<_*9(W5FA1(4@"FN94.$)[ 4_>IN@*WA[-3<$.HID,*$7,_
MWZW"6$GZNW&EYGD; ]E62 @F+4:&)0_?(&;X,L"TQ)HETL&P1?)Q>)3NVT=#
M/XU[^*9Z#[>-[V5YZ2"\F@G58\/(DE=?8,N*)B=0+<A\JB/*QC[0I4QN9U#5
MO\C@>I$<@E_K1/@D,LK(_9[";*?JYL93=JIN;OR)G:HMM^=M]?;\@JE^7(-X
M1D7RP.C^/LFEGJB[O?NS.MX^.?M5_=P]Z>[\JO9/3KK_/-K=WCGX56T?[JFO
MA[M'AWO[9_M'A]L'\-DOV_O_[)["U([4V<]=]>GKP4'W]$QU_W76/3Q3^V?J
MR_:OZJ#[F1[& ;J?/G5WS^!'\/?>T?+2Z1$8LX?\'3RD3O8__WQ&PYWL;Q\H
MF,+?OY[ / [I*1I)'9\<[7:[&!92*[_\W(47GZC3HZ^'] D\"5,\.]G>/<-I
MG<!_CT[4$3[TR_YI=U5MG^R?XH-'7\_4T2?Z]J1[L'W6W5M>.H/9G/V\?ZJV
M/Y]TNU]@#4^#BS8T;IJ04QRTU@)$5!=1LO,LC?OJ%&YK6(*66S2R5IMCU)]H
M?SJ6<)KRV;XS<F#<PE(]:QR$:(/&Y]A\))#^Y D5#$N]>G8N!3&ZP[VD+U,-
M5V@EL9DL75E;"&*60^T8S&2=5A@1X?%HK;>'NKWX<P+.:K!CZ(:WK,OCXT9B
M:(BL[NG^YT-R+:]$Z^?K@=K+^A.<G.Z>>T6(]-\(ZILGW _'^+\,,ZG&@Z%"
M6QN4D[*$/3-I@=)ZM;+.(FM9E-WB2^"[_*76'[41H'.(6)%!CG>><:V>=NVZ
MV<VZQHJSR$FZ>G#ETD_:5/-I#<UNGYW\[%8DZS_MF&!K/XG"_#V(FO*"@JP/
M2(AVGK00[3P+T0IQ'%-&O ;?MTGN]N)(^S,N<BMTXP4N?S0(D]=*\;]GJ6/3
M+=STBFKZA9_'@%D7BT?_#<'WP;@,QP70A_[7"SK7^8D6=/9G>V;N\$_S(8A\
MG/KAWUYLOOCX3^0NH.C#>4P1MB"P>0[7>E-EP:\W_O*B^>7^<Z]:'G,_O/YD
MYB][=_MX_PRTHZ-#T,/V#[</=U&!VCTZ.3XZV4:%[3;??%\KO+?W[$S?>RI2
MXPG/8]K\VQ^+'T&RPAT V;:N/D5Q<O<[PGS\OM]*(7D4+BF6/_D15L4M#*27
M264N)MWHN_G;K6O0SP/>QH!FJ%F:U/WH3]\G.#W%"X;=__A_K-%!VD?I%->C
M-F#TV?\+=+Y/.W%'DWGZ&MD=4.8VQ=VBP>UEJ=_%]?ET='CF&0!<>I;E<$"3
M,5AG&-]_\7%G^V3W8/O74Z6%__[A[CJ0'?[\XUU<Y_M;VN[^V?[GDZ.OQ^KS
MP=$.+.W+]LD_NF>GM$2T"&F-?]C.]T^Z>_OPX-?]T].N.NWN?CV!"7=/U<JD
M"%>7EPX.=A_T,7PY.OF\?0C#;!\>='^5+A2[1Y0Y<^N;ZJJF=JL".LJ'? VW
M&>JFFATP*J)$"J8?YN&VAHP0W!%]=K>^4Q8JDB)\979WQ_J8C-4&TQ ,C9GF
MXQ8^=$O\?\9KJM;L [;76G=L,7/,_2^:9O^(TC0J+S#Y+CVO/W*K4R>SK'%$
M;Q:W^DXVRBI#?@G3\)P3&#DW8)%7ND4AL_3XK6<]_HGK\<\\=T'%])GWMO)>
MA<QW>Q".U-ZZVH&?IU%^MXQWQNB5>=P] [X+OOORF>\^\]T_#=^=;7$KU^!^
MYKT->N].'H>IV@WS1-M_]Z'\SAC=G=##9<#-U=#UB'N[^V'N#Q=REK]Z9O9/
MG-G? Z6Y/WS<PH4GL5;$_XEX)@M)FX9?\9;,<H?.DR>M@WYGWL&L4>_NX5N<
M[RT+L'V0%GMY=!6I^UC57/%EIG/WLJO+K64OHQN[;^Z9M\R19:^?9=FS+*LJ
M/\]2[#ND6'.$30)LS^+K(8BOXXLX4;_$:1SUO\4/0X1Y4WKD08@WSS+ESR)3
M>-V]+!G<UN)/=W_N[GT%.;+?%K>^S;=]3T![\3/W9-W-)1B?9+L0>]OYB_GR
M^RESWDUTLQE$ 9@EWC872]GNO+G--305;,Q;UV&M9^)9IG: *>C>@.YEN:$[
ML0FR2+6SX-IFN>NB<ND7'S<W7P4;&QLWG=),'".U_L?.S<,U<B!\#,31'[MW
M/O:1\J"/_N!3;80^"FZ#WEYM?,_$MOOA(!I-;WM2G<W@U<TG=;(.\XF2<%+8
M,PQNX1"_;U:GX6@2)5A)<!*.0%O[CYF<0$_\X?MV&D? ,4M07Y,D#D<%0B>D
MWQ[2'GJ!+5>S[Y!2M//QA__]#N:R\U''K78^GE$C:?YLX8F+;"$=K")8?&$D
MJX+W=/ :\57:J0J4117NMQ_4T9BP:MZC:!0@>E,<V7G8Q9&G^VLW0FYM+8_\
MTVO.?X3J7'G3VULRR[Y\5J<GNW][$8]@%__?QL;F^F_C\Q=J^^#L;R^,)GX1
MX76"E[[$T],*YV9G??,5'=V=SG'V/O".=V[E3895J-.?MT^ZI^KHTWV\]OX6
MN+7^[M7&7]2G_7]U]]3)]EE7P2J[9^KPZ'!M]^N7KP?;"%>ACKLGQ]VSK]L'
MRTO')]U/W9.3+G+@H]U_P,NZ)^AM^_+';\PMO01$Q'$>]]$#<89 1Z<7452R
MK+C3]SZ=5._-MW^IX_SZKE96 ]J4!&+T^T4QB?+WBR2VO-F\C1<V(O$J!XC7
MG<K-?:T+S'.NJK;PS^]TFK.W4RR-Z>P3_/[7L,L@&[J^7LW7XM^C 6CQ!"V,
M**"'6;JV.QD1\/5EI(ZC?!R5$SCE8X/3=HH-F/F&P+!?-"864Z-:P7\+]%GE
M-X)YMOI,)=<Y/D2K[%/+*B$7/"YL&?G^KW=+-SMAN*5^5#L[])__5BM?LFPP
M-;W6?U2G9$X=P[\^Q67_XOE<KW<M\=]W>X+_9=0S4M%6K+96:)Y0O=?/AWBM
M'3Z(_SV)N56N["39O_=QK(A:R>?8<(S/IWB=#44M]H[/S C2YY.YSK;MA5/J
M-E#>\?%L;?RX]7KC^6RNQ?NP X/ZE.6C\*Z/Y[2[N\:M+PC&[OF<KL7=<H23
MW@,=_XY/Z>\3L O?8 .+S<[S$5W/$BS+A*'@Z)S^>L>J/9T4=E7!HU(K9_^]
M]:SW74^<3WI)W%='0U"ZT ^&_K!GM>^1'>+G/"L*[/Z%;;B+>[7%G@_J.GOG
M);WMQ47_'C3"_^H\7[7;V\W#J#073:UPK--T&%G%Q$9Q9L\ND?_^4WWW[OD.
MWFCG/L5Y48J3^!YTR5.$8:.LMPYI*:^?3^LZVW=OYX0@X572X*9?B.T^P+^&
M(7>,D?XTPWA87L C*0)]%V%NVIB,\Z@?$19Y3D/AC]>?;;T;G/LQ**79X!Y.
M?DPOT@UI!LKO%%6CBS)C//_H=WF,NU:E,!5I!(H_K1 2M4H)A]B1C6BJ_9WT
M]7>\[I$3VZ*I6>\>>6K6GRDWZT^?XR"W,\9.7G#9]R*GKR'+MX5 E6XG_V$_
MU0W)=&,NE]\R=QF$4R/QRHL\BH %%7&*O2L'F%\_SF-N\,=-W8 T4A*.TI_+
M'?"1\Z/[#Q9H*J%\AA4_E6'UCL7A=JE"E>.+Q]2',YV,%#"9,,&SQI:EDG%!
M<HMZB/D^OR9I55."/]B&Y]BOQ1%XQU8J!KY8;!B&*562-(:P.6O3* 2BU$VO
M<1F2K(&M]0;1,$YU'SW2TY(8[V!.#;_I/DP*; LSEO4,J->+ZPX.J!,BZWFC
MK, ^:<CUU=SKK<8)C+VUWGGUYB_/M^%&M^%8VL7B=MZUEVM_"-323T+JH 34
MG\-Y4A=0%>9 7=@E%YM^YT"W0!/LAO8(E&AW#XA#_@2:(2I' L7NR2-82E^L
MB2I==]1*<9'EH-R1XCG0&\ :X^HS.[W>6;*2" SL)!I$HS'W$[][FT+RR$;8
ME#TLN:LUO1S[0 ^BB+EGQ1M''!8[D5]D222-SK'W5$ -M*CKJ28&N0UDFF;4
M[9J-BT:+!;O!$[O58S./YG:=\H:PI#>4H%11[R_XXMT&"WMK982:W>;1.4JD
M+,<N[)Q.B7R7&\E'E_#?X+99+_R8[A BI=%L:2/Y1%$? 3782*IJD"%@!DQ;
M*!>;KN@D'8?QP&RKM N#'1I0*^R:NY0;?^.^45-5:LQ-356I1S%W7'6R".E3
M.FPX']VS5'K"MN8NK:MM:EYKUB8"ISJ5&'>L]QNJ<:*'\5M-:AL*IWALE#R9
MWT!TMW",O="PNS,/_TG:O"'9Y-($7<;E)LYA7\]&FNCJ+LY>VW7J\"P4(43"
MK9YS=3Z)L3%:&A6M[S1]3VW;\SG;\,P.K\D.X3UKVW"?^:HR=[QC<0HJ+';J
M?3ZFZV3D%1@FFGTPSJ_>+B:56ME9+U()YJ4,M*0I;#$PJ/((X/U CK"ZZ#LY
MK[F9!UD,EV<GR[ZMG4S8]"7@#Y :U[M+\[.7&PK: S6SJ!R^GEO7':B9M=7(
M_&>5.-\-)5SO[K8>??VG#=.YC3J2;$T?^J+7E'\XQP1OJ> .5&L9-=@>"]4R
MX[$N6E/<?,"WM[?W#W[T_0?^]73_^$?LK$Q^BP9MY(X%:>?EQLN-G]7NIPWU
MH_IZRG_"7X\[3^TV&^7]]3!#9^JV*[]R*C1!?1DE'9H-;(!+PCMHFKT)W) B
MPO[,^?(2JO_N[_'62--E1^'.(VDD#)2 ]M(@#Z_"Q#6C'G3;G[_^5>V7N">1
M+LRAIJ]^Y^*HW4HAU6%Y"?9DA'F9H/GW4!K"V<./$=<:%(D$NR>#E#J71M)A
M/TYX2[$U.WRR%XVS(B8K\BR?@,UJ^L:>AW$*?VLS%X;'A?V:Y=\"\R]M]_:R
M2;F\A&\ JS4?>)YJQW9EMW89F:;,8ZG^1&<=+#2*2C#_,,N4YN<0@)@U\ D8
M/6BTCDC:JO,H1?,%EHG)-=J^@JED:!.5"6U+>97YOG-T ,A.PH-@'9_]]V8
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MD[*4+63O?="?I'Z@93X<A%&)\!_)29B.ZS\G@#Y(&GE5BC2!P0P9SXA.&+J
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MJ<>- SVS!WI%X$#1NCT<$.M#M##J(&.'0,&IP=>G+/0SK4[\U;\Y[H7 ]_0
M8F##P:-PL W<#2CRR-)%%*8I/.K4#?-T<QQ?VV#0^'OOHHB^D?"1-$7::_+X
MP!"M)6*/?"?A+<N(-/FM2F)M:S@ZPBG_0B.ZM[8%KK.U.&3<95)61)N]RYR&
M<UQDDN&Q%_#U6.5340+:$3O$O[OL#6!2HIH9CCD-/R73:MH)H!9F.'C"VS@U
MXY(SG%9BMET:>H#XI)DO< A9P"<X [T6S>9H2]XBM-+&7*<7:;5":#2V,&;U
M*$R'@Q5PX2ZOP% 8YVJ*A 'GD5H5W5IO?2]O:VI=/$&2PDH F'%HE)!80XW
M"ZKP)$'&9Y#2O@]GP)32H$6 #K :H#1ZGT;3A.$O"'@$G!7HBAZ*#0?-U9&(
M@5>>E+_"-/^QM07&/-AHK\5%>"/W8:S?*J0BF')?G)/,*5[CG-I8WA>_($&^
M%B_$UI9V$1\<G_YBELN+V"KSV6OQ:E::56V-\K+,I_J[$5"*5/:[MVD((-B%
M98,JF,2@A%S4AZ,]^:L_> Y3=LP^ @K]N#62@$>PQ!GM:(45W7=&#VK/$6P,
MBL\Y-5[>3L?R_.]2.<:S3++FZ>+9 C)).06R!F98J6A"K,HH"W=) 20= <-4
MI&BU^0(\28:[0NH ZQ2-KZ44;XDE0L9'$H1,</P:;"V)PY$=YYC)"&3F"M(1
M>5U-!N9Z'=MKHX*\(!7D"ID#6N,75J<FK8,DEOD1&8;U7,$QE6&2T3&)PRR3
MG\0AL.XRC":2=5B$N"*)I4]8?P_/P]$[20F?X803)6!M@!CEW)T>'BKCDY9!
M(2FD6J: *M20/,>^":]E7@&"1L#N870\PD2KEIX3;A("0D@PH5"3 :(%1@]K
M&E<P/Z]W?4Y[3RN<XR1CMX$[96<,DWL!E'4XO*K@ UX*[ TXYK2*C1.D Y]\
M/&'TV,3SB'$M2)$29E\+S7XCW.1Y])^>HW@Z186HJ<&*J0S9%@*JPD?8I7=/
M\W$MD'1CU ,[H^:PFY7UG&X0UO0IZ\3O4]K6 FA1#] 6.((UP%!1)H49U6\K
M89N^Y2X-OD'OZPQ?XIS?$>=$%@A23_S"GI2?0>!)I9GH3WD*^B3[HE:Q-1*6
M;RCURI0E'(8&;O,2F3&(PQ -@8JM >#%Y!V8PX)Q3OS$IL*$I^V>2Q\\"6)_
M(IS$/T/"@XB]4"V7XA_S$!O1R8/3-_][*:=A0N8KZGJH,I]FJ!>0@9C.Q7O0
M;-$.R#[^W\'STR^5MM$=+UUL!KUX8HNGO=Z5; 08PMN$6?Z^N)[/8.F'*APE
MT;XX XV,MWB6XVY>U$P9\Q;^LI96UD):.#T3_SB]/CNYNA+_^.GD\N3\72"6
MQKR' ["SP/HA;6T5O1C8#G[AC#!RZNBO0NW\AF%^.+CZ</&FG!P\Q[]!M,[Q
M)PRZ<,CEB3G#]>';]R?BZ.3]^ZN+PZ/3LQ__]FSG&7V^.#P^-I_U0NZ2N)S@
M2G:^V1>KKTK32 3:<#@K +/,OYX11AQ<7YH)T*P$"*>&3@#KGAFLN3ZV:[\^
M=E^*HW-<^MG?GKU8*6D#WH4_+A][9N^!W]WPC>-[M?/-L^X9Z\^]@,?>8FI$
MUS/+^-[SXKGX.\B <A)FXFB25(\)FNXOB0=^^Y\_[#_QO->H M#$AT61H$^P
MQ P4,,="-6],_YSH[<TRV;3WU0>W5#H\9IX5NFNN#\^.#R^/Q<7E^2^G5YR"
M^:%78?G#97EI-Z_8W49,[?!8_"$UTE7]!&^K(LED 9;$<3COMMGNI/R(TI@\
M]B"HLQSSJ5)Y XK!!$D'?@,S!9?WSUQ]#.R_7"C9OD52W5@3(U!^T2!(3$R*
MXK8]0X%1$:4Y*!WK<1Y]OH>C,(THLHF:UN$-O-,^E*-\.JO0%B13[5I514G?
MP6$!Q+8/ ](C$*UO)5@:%$VJOW.:1=OD />B7%44 1[@=YRL914V3&OQPVD1
M!_9A'6ZM@I:Z'D?3Y^$XOC[RSF(XX,- =^:QG.5%4N9J7C^-]8!'W ./=XDJ
MRN& @_+'G3ZR*SDK)85_=TF)?[4>$)$UB'@I!)?R!@D"$ &(1EM2UY@Z,<6(
MP,EM)SFC3723Y[$8ATBIL42?>*)S-#K2.I&C<E0;\UNJE#(R-G8WV;&"D6Z:
MK<R1PH>#"!0^4!8V&@Z8+,LK4*DPN3,O9LPL!#^[27F2."UG)RF8YT83NDU6
M^@ BDOQ+</"%824S$ >D.P([&<4)>^,I)JR(L;=?-.)!9L!7.'PWDE&.1R3'
M8[TL3MC ETDPZP!TJ%,?* #/7JO%#MA]L?%B$Q.#YKCI&0H3O6,..\ 7G3LV
M:W0P>X15#@?]RX3A-_;X//,Q6-8X5A@#3H 2K3CK)9:1!JX2O\*QTC/^EXWG
MM</-IE*9<3&/).=M$=8@XU<SI7.E21BD<_:\K@Z>!YW7<-""1, Y6S@X93"3
M[0+_!X6A&I$]@6.KI/CH,M9\2B&W)RH>#==GB23)69D8>//2:C@$8O-(G&MU
M$5[ACUDM[<'E7[JD$. SR =%Q'S!YB0!-),2\ C6 )/#,C?)(SNK%&*H2S?4
M[\'!PJ-A-!<WL&B9HO9F%OA.QE1=@"Q9P:'#V,PH0 ]+QEX^8;!\Q";1,]W4
MM 2@(96@UV>LYS4*G3)LD# (-(-HOAGH7!(\/4TTC23'@/8-3Z4Y@W!U1$$,
M\>"_'E)FW"-W2>"BOMX7E2+!+)Q<YF(4]O"/"K*E2PY=C<.4D]29-8^3,0@@
MH&-,8R^P4$$#'A@"T#4^Z48-.,T]88+VOZ^':YJK"6C6@D(,HFU7&(,$G@5M
MED(2WDXX4J]).HQ_!65+ZJS_VECU<=8#'VZ6X .(6W@A!FW45R ZT83JA8"S
MH=PW+)FA? 'KR>- 1S?G%D/*B9*R!M0"*PJ 8'7JPTC"!C)XE&-2[MQXQ/4X
M@LGB(^"MMHE22\&4=;D9/<4YE<29%Y(+Z7&80B0_Z<?X<#)8GY='X=&7S<'6
MQ0M,^OVSTL^?,>%Z'&W2<[1.YE@"NPCGI"LU26NBLR7QT!%$M12?@W?G9]?^
MTK>*Y%^8=+@WXSKN;U,UW><*;GS4^J7V-D:;ZP'B7^\!XAY*6DP_H5/1.@]K
M(6J[5-7.=P-\"<Q9$C&_HZ35[Q8GK>X^B<-\]=T_.-A[N/60<._NGRO<^PA)
MM9[5YIFH#<)DRPH3R+C^(/,(41))=:2*+\I060\&]W$I@_M[E:'.!%1:*8 Q
MU]M\6?GQ8B-<$_F1+@7O10A0G3\Q>-=%/$][P(L.S*)"E^;E?10>I[]$ZP$@
M>^(F4'C)[@Z7UMS,Q.OR5+ %J^#5=4Q +B3RMX JD,$PC+788!=4-0/H><ZV
M 'XO;"TT/@&6!2ERU:PS#U2;FIS;[-=@Z<)Y=FU&:5B0 ZO0AP!#&5=77XZI
MR/([?,493:Z (S#5:.C/\IQ\[(?'ZMFRX#QVW4(#W1/RTPQ0H4CGG/P?R^&
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MK5/&W."@Y[)W;'\[S;5BW7E#?-=ENN$-DCW?9%;>2=FZY\_)WM:82QP$QB7
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M44"&!Q)DKX'Z>9PU"ZLT71'4F8750I'08H6TE>I+)G,32;40QLI947*-R?*
MY98]D8AWC'NE[^#*22PMY0]R+'/V7SF=\I%GP*6@B7,8.'82"0L83^3]LI ]
MA3 ?-(%64RJZN%\*;);25ELZN5ZPP83,;>:JF-K8RFFSI'!;2+$$>H(ZP]B'
ML"49"R>B7G,"D,$H248K [NBVKA"L)(UYZ'3S04=.2$2,RP)>,(#:6\)<ZA1
MD"!WX9$5;<# VM\5Z?6:NZ3ZL5Z1[VJR%&1UE:O$ Q1'RBNZ\63A+9,*B@[L
M[WQL$%6A8)/;]2)F"'C,K?6;3GG@ L6]]15+;MU_AW/HE%.:9(G.-4.8B9F&
MAYM."<3D9Q&4'82'H22;P;\N,1)GP'J-7OV2T<$;^=$9%>V0A(%Q3$2DERX#
M7?D15#*=W:CS,BJ?/FWQ#D)[L]V[N)H(/  UR40>;*&(T%^IG?(9IP*(+GH;
MNUQVK67J,IGLCW(**B56Y <.C<LPVM[<FIL8EA)A@[:*-BW#Z-8C:;)I%N$J
MX3)'I=#]81>JMZBQ.^QT%$Z4%+0&1\M*T]PMGWRB7='T/:5:#?,>7^0+^D5A
M''$#_D;V)&ZV1E3AD9G6(14 %:[S.]#:TBF.)M)%P79_FR4A\5^M%GB<B,)C
M-N(ST8/;OV1"T6%UI\?>YQ%^3(=@5[FY>NP#D35,XZS5*F;BP=L/VR;0/^E@
M>&,&=??\:7YQ[S3BP37K "*(FPRKIU@5_%7T_7ULN67W22KX=6M""0"(B=/H
M.Q!AQQ_ZAO'=YE_[V/&5;QAT'%,Y6=ART%O*.CA\M/8!(3\'^O: ZXX=[M\B
MM\9JEX.[NZQ_"@I0*40*Z)40*H*GQ\:W"5:=I'PB@QZ[ .O- ^Q"4]ATJXOV
MBU7TY,%A^B]6&^<4Q1%,<?RR%D]5;(0Y#_1=+&0/3^I=WXY%/*F0C5-,:)NU
MJ3@5=X5_K7."K/@ZBJ(827"ZG![>6^;NB'HME!N<*M'+AGQY;WULHN8& AH4
M;,07<! X71;UG-%0K<:B)DNSB(@CC=MN6G7]'ZN!F2<)&)@;$SQL7^7SOC@H
MR0^6NUD&\[TR//"-7T<"76 B IZAV=,+]=I]6V(WC+]NGN?%?0TB3H< L=A
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M2P$"% ,4    "  ,@LI2E.(_K\D(  "F<P  %               @ &[&@
M8V]F+3(P,C$P-C Y7W!R92YX;6Q02P$"% ,4    "  ,@LI2V4=3"7\<   7
MNP  #P              @ &V(P  9' Q-3(T,SA?.&LN:'1M4$L! A0#%
M  @ #(+*4NMOU\@P9   G3 " !,              ( !8D   &1P,34R-#,X
M7V5X,#$P,2YH=&U02P$"% ,4    "  ,@LI2T^DHY[$I  !CZ0  $P
M        @ '#I   9' Q-3(T,SA?97@P,S Q+FAT;5!+ 0(4 Q0    (  R"
MRE)NC057JPD  )PD   3              "  :7.  !D<#$U,C0S.%]E># U
<,#$N:'1M4$L%!@     (  @ ! (  ('8      $!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
