<SEC-DOCUMENT>0001193125-23-160902.txt : 20230606
<SEC-HEADER>0001193125-23-160902.hdr.sgml : 20230606
<ACCEPTANCE-DATETIME>20230605184249
ACCESSION NUMBER:		0001193125-23-160902
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20230606
DATE AS OF CHANGE:		20230605

SUBJECT COMPANY:	

	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:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-254191
		FILM NUMBER:		23994362

	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

FILED BY:		

	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:		FWP

	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>FWP
<SEQUENCE>1
<FILENAME>d496160dfwp.htm
<DESCRIPTION>FWP
<TEXT>
<HTML><HEAD>
<TITLE>FWP</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Filed Pursuant to Rule 433 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Dated June&nbsp;5, 2023 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Registration No. 333-254191 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g496160capitalone.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CAPITAL ONE FINANCIAL CORPORATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>$3,500,000,000 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>$1,750,000,000 6.312% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">FIXED-TO-FLOATING</FONT></FONT> RATE SENIOR NOTES
DUE 2029 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>$1,750,000,000 6.377% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">FIXED-TO-FLOATING</FONT></FONT>
RATE SENIOR NOTES DUE 2034 </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Summary of Terms for Issuance </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="26%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="73%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Issuer:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Capital One Financial Corporation</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Trade Date:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">June&nbsp;5, 2023</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Settlement Date: *</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">June&nbsp;8, 2023 (T+3)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Ranking:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Senior Unsecured</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Expected Security Ratings: **</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Baa1 / BBB/ A- (Moody&#146;s / S&amp;P / Fitch)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; display:table-cell; font-size:10pt; font-family:Times New Roman; "><B>$1,750,000,000 6.312% <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">FIXED-TO-FLOATING</FONT></FONT> RATE SENIOR NOTES DUE 2029</B></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Security:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">6.312% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Senior Notes due 2029</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Principal Amount:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">US$1,750,000,000</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Net Proceeds to Issuer (before expenses):</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">US$1,743,875,000</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Maturity Date:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">June&nbsp;8, 2029</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Interest Reset Date:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">June&nbsp;8, 2028</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Fixed Rate Period:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">From and including June&nbsp;8, 2023 to but excluding the Interest Reset Date</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Floating Rate Period:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">From and including the Interest Reset Date to but excluding the Maturity Date</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Payment Frequency:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Semi-annually with respect to the Fixed Rate Period and quarterly with respect to the Floating Rate Period</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="26%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="73%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Day Count/Business Day Convention:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Fixed Rate Period: 30/360; Following, Unadjusted</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Floating Rate Period: Actual/360; Modified Following, Adjusted</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Fixed&nbsp;Rate&nbsp;Period&nbsp;Interest&nbsp;Payment Dates:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Semi-annually in arrears on June&nbsp;8 and December&nbsp;8 of each year, commencing on December&nbsp;8, 2023 and ending June&nbsp;8, 2028</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Benchmark Treasury:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">UST 3.625% Notes due May&nbsp;31, 2028</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Benchmark Treasury Price and Yield:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">99-02 1/4; 3.832%</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Spread to Benchmark Treasury:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">+248 bps</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><FONT STYLE="white-space:nowrap">Re-offer</FONT> Yield:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">6.312%</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Fixed Rate Period Coupon:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">6.312% per annum</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Price to Public:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">100.000% of principal amount</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Floating&nbsp;Rate&nbsp;Period&nbsp;Interest&nbsp;Rate:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Base Rate plus the Spread payable quarterly in arrears during the Floating Rate Period.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Base Rate:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">SOFR, compounded daily over the quarterly Observation Period in respect of such Floating Rate Interest Payment Period, in accordance with the specific formula described in the preliminary prospectus supplement. As further described
in such preliminary prospectus supplement, (i)&nbsp;in determining the Base Rate for a U.S. Government Securities Business Day, the Base Rate generally will be the rate in respect of such day that is provided on the following U.S. Government
Securities Business Day and (ii)&nbsp;in determining the Base Rate for any other day, such as a Saturday, Sunday or holiday, the Base Rate generally will be the rate in respect of the immediately preceding U.S. Government Securities Business Day
that is provided on the following U.S. Government Securities Business Day.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Spread (Plus or Minus):</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Plus 264 bps</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Index Maturity:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Daily</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Floating Rate Interest Payment Dates:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">March&nbsp;8, June&nbsp;8, September&nbsp;8 and December&nbsp;8 of each year, beginning on September&nbsp;8, 2028 and ending on the Maturity Date. If the scheduled Maturity Date falls on a day that is not a business day, the payment
of principal and interest will be made on the next succeeding business day, but interest on that payment will not accrue during the period from and after the scheduled Maturity Date.</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="26%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="73%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Floating Rate Interest Payment Periods:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Quarterly; with respect to a Floating Rate Interest Payment Date, the period from and including the most recent Floating Rate Interest Payment Date (or from and including the Interest Reset Date in the case of the first Floating
Rate Interest Payment Period) to but excluding the next succeeding Floating Rate Interest Payment Date.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Observation Period:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">In respect of each Floating Rate Interest Payment Period, the period from and including the date two U.S. Government Securities Business Days preceding the first date in such Floating Rate Interest Payment Period to but excluding
the date two U.S. Government Securities Business Days preceding the Floating Rate Interest Payment Date.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">U.S. Government Securities Business Day:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Any day except for a Saturday, Sunday or a day on which the Securities Industry and Financial Markets Association recommends that the fixed income departments of its members be closed for the entire day for purposes of trading in
U.S. government securities.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Business Day:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">New York, New York, Chicago, Illinois and McLean, Virginia</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Optional Redemption:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">The Issuer may redeem the notes at its option on June&nbsp;8, 2028 (which is the date that is one year prior to the Maturity Date), in whole but not in part, at a redemption price equal to 100% of the principal amount of the notes
to be redeemed, plus accrued and unpaid interest thereon to the redemption date upon not less than 10 nor more than 60 days&#146; prior notice given to the holders of the notes to be redeemed.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">CUSIP/ISIN:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">14040H CZ6 / US14040HCZ64</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; display:table-cell; font-size:10pt; font-family:Times New Roman; "><B>$1,750,000,000 6.377% <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">FIXED-TO-FLOATING</FONT></FONT> RATE SENIOR NOTES DUE 2034</B></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Security:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">6.377% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Senior Notes due 2034</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Principal Amount:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">US$1,750,000,000</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Net Proceeds to Issuer (before expenses):</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">US$1,742,125,000</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Maturity Date:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">June&nbsp;8, 2034</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Interest Reset Date:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">June&nbsp;8, 2033</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Fixed Rate Period:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">From and including June&nbsp;8, 2023 to but excluding the Interest Reset Date</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="26%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="73%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Floating Rate Period:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">From and including the Interest Reset Date to but excluding the Maturity Date</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Payment Frequency:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Semi-annually with respect to the Fixed Rate Period and quarterly with respect to the Floating Rate Period</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Day Count/Business Day Convention:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Fixed Rate Period: 30/360; Following, Unadjusted</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Floating Rate Period: Actual/360; Modified Following, Adjusted</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Fixed Rate Period Interest Payment Dates:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Semi-annually in arrears on June&nbsp;8 and December&nbsp;8 of each year, commencing on December&nbsp;8, 2023 and ending June&nbsp;8, 2033</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Benchmark Treasury:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">UST 3.375% Notes due May&nbsp;15, 2033</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Benchmark Treasury Price and Yield:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">97-11; 3.697%</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Spread to Benchmark Treasury:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">+268 bps</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><FONT STYLE="white-space:nowrap">Re-offer</FONT> Yield:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">6.377%</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Fixed Rate Period Coupon:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">6.377% per annum</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Price to Public:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">100.000% of principal amount</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Floating Rate Period Interest Rate:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Base Rate plus the Spread payable quarterly in arrears during the Floating Rate Period.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Base Rate:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">SOFR, compounded daily over the quarterly Observation Period in respect of such Floating Rate Interest Payment Period, in accordance with the specific formula described in the preliminary prospectus supplement. As further described
in such preliminary prospectus supplement, (i)&nbsp;in determining the Base Rate for a U.S. Government Securities Business Day, the Base Rate generally will be the rate in respect of such day that is provided on the following U.S. Government
Securities Business Day and (ii)&nbsp;in determining the Base Rate for any other day, such as a Saturday, Sunday or holiday, the Base Rate generally will be the rate in respect of the immediately preceding U.S. Government Securities Business Day
that is provided on the following U.S. Government Securities Business Day.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Spread (Plus or Minus):</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Plus 286 bps</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Index Maturity:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Daily</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="26%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="73%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Floating Rate Interest Payment Dates:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">March&nbsp;8, June&nbsp;8, September&nbsp;8 and December&nbsp;8 of each year, beginning on September&nbsp;8, 2033 and ending on the Maturity Date. If the scheduled Maturity Date falls on a day that is not a business day, the payment
of principal and interest will be made on the next succeeding business day, but interest on that payment will not accrue during the period from and after the scheduled Maturity Date.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Floating Rate Interest Payment Periods:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Quarterly; with respect to a Floating Rate Interest Payment Date, the period from and including the most recent Floating Rate Interest Payment Date (or from and including the Interest Reset Date in the case of the first Floating
Rate Interest Payment Period) to but excluding the next succeeding Floating Rate Interest Payment Date.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Observation Period:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">In respect of each Floating Rate Interest Payment Period, the period from and including the date two U.S. Government Securities Business Days preceding the first date in such Floating Rate Interest Payment Period to but excluding
the date two U.S. Government Securities Business Days preceding the Floating Rate Interest Payment Date.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">U.S. Government Securities Business Day:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Any day except for a Saturday, Sunday or a day on which the Securities Industry and Financial Markets Association recommends that the fixed income departments of its members be closed for the entire day for purposes of trading in
U.S. government securities.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Business Day:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">New York, New York, Chicago, Illinois and McLean, Virginia</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Optional Redemption:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">The Issuer may redeem the notes at its option on June&nbsp;8, 2033 (which is the date that is one year prior to the Maturity Date), in whole but not in part, at a redemption price equal to 100% of the principal amount of the notes
to be redeemed, plus accrued and unpaid interest thereon to the redemption date upon not less than 10 nor more than 60 days&#146; prior notice given to the holders of the notes to be redeemed.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">CUSIP/ISIN:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">14040H DA0 / US14040HDA05</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B><U>OTHER INFORMATION</U></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Joint Book-Running Managers:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Citigroup Global Markets Inc.</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Goldman
Sachs&nbsp;&amp; Co. LLC</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J.P. Morgan Securities LLC</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Morgan
Stanley&nbsp;&amp; Co. LLC</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Capital One Securities, Inc.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><FONT STYLE="white-space:nowrap">Co-Managers:</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Academy Securities, Inc.</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="26%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="73%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CastleOak Securities, L.P.</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">R. Seelaus &amp;
Co., LLC</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Samuel A. Ramirez &amp; Company, Inc.</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">*Note: Under Rule <FONT STYLE="white-space:nowrap">15c6-1</FONT> of the U.S. Securities Exchange Act of 1934, as amended,
trades in the secondary market generally are required to settle in two business days, unless the parties to a trade expressly agree otherwise. Accordingly, purchasers who wish to trade the notes on any date prior to the second business day before
delivery will be required by virtue of the fact that the notes initially will settle in three business days to specify alternative settlement arrangements to prevent a failed settlement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">**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="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><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 obtain 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
Citigroup Global Markets Inc. toll-free at <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">1-800-831-9146,</FONT></FONT></FONT> Goldman Sachs&nbsp;&amp; Co. LLC toll-free at <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">1-866-471-2526,</FONT></FONT></FONT> J.P. Morgan Securities LLC at <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">1-212-834-4533,</FONT></FONT></FONT> Morgan Stanley&nbsp;&amp; Co. LLC toll-free at <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">1-866-718-1649,</FONT></FONT></FONT> or
Capital One Securities, Inc. toll-free at <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">1-800-666-9174,</FONT></FONT></FONT> Attn: Compliance. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><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="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>g496160capitalone.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g496160capitalone.jpg
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M 0             #! 4! @8'"/_" !$( %T [P,!$0 "$0$#$0'_V@ , P$
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MYK^HT)4E]:JHPJ-7"%K(G"T>G!T(LP6?4=$DPR8ZN4V66R'"BCX_CU,LX^5
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M[UIA&]G)@^4M9Y0]5E">]:H1O:V2/K)^;7_+H4=[;D?HWL/_ %4]_P#27_\
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MOR#'E1GC<DKT>#&?&1(Y)B%]N[A?:,6*D+2U:UR[)+G&8+JDLL2JJQY?2?\
MQ)/.&64>@CZ#K-RJY13B2%+5J&&&"(;5$-;SIT'CQ.%S[]<9!Y)Y<Q6]F%6"
M*=E.UUC?:)%!'HF:Q(P)^:&\<5Z4EJ$/#'UH8B);ERVPW2%84U9G=^S7D!H.
MP8L>6.;5FHH0ZY=4EY3;6AZ*C,OJHM8L.8ZS/KW8>EF$"SP-SY\FC?NDB<<X
MY!XC[L,V4YFA3GM@O(RLOLX\(;=\8QC3?ENGSNDR:?\  U_ABQ;S22G+'+2F
MIK%7>5R>D%!(6+1( .&I'?Z6)&RO,*IK%M8H[?%CEC4^H7CC<2:?.ZONP(\Q
MSSA5/7K4&G;?XC678B^_8V)VHWJ,=,R-T:.=K+3)%Z@D98-"^G;IBIDEF2M)
M)9SE[/$JF322-(=3Q!(B'<&*>/8,4\LD9TBGXW$>/3<BQ022[AK[4&"*]W+9
MHO5D=YX7T^E&('T/N8XCNYM.F86(6#PUXT(J1NO-7??UIR#V A1[#BQF45VA
M%"Z01PQR](XBI%$JG=LA(YR;SR/?B_TN>O8EMM#L-?B:+'$'U#<1%YEF_AB]
M>.8Y:.EVIK&AZ5J!+(6 /F.X'%KR?S&2.?ILD[SR5]P +\/A-&9%!WIPHVYC
MM&#T2_E\T.IVM,9X)-O=O187&ON;")G6=RRUD]&E3>;A>[B3>BOU8_CAMN89
M8%W':"UK4+KU0?Q;MTQD&6QV\NA_!%:6&75K)265F4"6/S&O-%U.H&A;ERQ'
MGF<YE0:&"&PL,,'&:Q+-+'PP(D>-=W59_MQ'GM6L\9RBW+6LQ^DPI6-ABG)
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MF6T$L!^VGZ "Q ,4;VN\5.H27[ /![R7^8#_V@ , P$  A #$   $
M *^" <K@     *&Q.DU'6W^    -X@    !LV\            ,VZ  @
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M$/Z&W-0)UNM:2?>'C.4)&IW"5IF'C#1+8TDGL6/(B>IR$V=@@.R ^I,AD.;
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MA'57#<1P,77RRK4S52*AH* *PT1)F->Z2-NB5!1BAE)('JCZ0G<ZQ/Y*$'?
M\ .L2!: LH%R<!!';@5( 'H(,BFZA 0H(0"Z8O8UIO+ICL$A.TDBS<A&@$HB
MA#4X!'#AB3@$ - ?T5<PD0>P +'5!+!D)H:072 0B!A05;X^F5)=<+4$L$E?
M]MPAPPK:RA6CU@8B!B-.HNA/C/Y0_\0 *! !  $# P0" @,! 0       1$
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M@,,[N!\"D%"X:$H2]"=J#$7E&)X* XN\TQ81+L6L,GH\%-L#(&("1U6[58N
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A-1D@RZN<B]?[8D&064D'1B28VDJ^[#E!L+'$0WG]W__9

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