Diversity Economic Development Loans and Investments Supporting Children and Families Financial Education Contributions and Partnerships Recognition Featured Programs		We believe that a thorough understanding of financial matters and the credit system helps consumers make better decisions about their personal finances. It also helps to ensure the continued health of the American economy. We seek to find innovative ways to teach the basics of money management to students and families—providing the tools to make smart financial education decisions for a lifetime. Together with Consumer Action, Capital One® created the MoneyWi$e (www.money-wise.org) financial education program to distribute educational materials and develop train-the-trainer seminars, which have been conducted in more than 450 community organizations across 30 states. To date the program has produced and distributed an eight-part series of MoneyWi$e educational materials in five languages to provide consumers with the building blocks for developing and honing personal finance skills. The MoneyWi$e program also provides "train-the-trainer" seminars throughout the country, during which Consumer Action trains community-based organizations' staff members to use the MoneyWi$e materials and curriculum effectively. MoneyWi$e "train-the-trainer" seminars have been given to more than 450 community organizations across 30 states. To help students gain a practical knowledge of credit and budget management, Capital One introduced MoneyWi$e University in partnership with Visa®. MoneyWi$e University has reached hundreds of students on campuses across the country, including Washington State University, Boston University, the University of Alabama, and the University of South Florida. The program curriculum has been endorsed by the National Association of Student Financial Aid Administrators (NASFAA) and the National Orientation Directors Association (NODA). Information can be found online at www.moneywise-u.com. Last summer, Capital One launched the Stash Your Cash program designed for Washington, D.C. middle and junior high school students to introduce basic money management skills in an engaging way. The aim was to encourage saving at an early age. Capital One associates visited participating schools to promote the message in person. Capital One also donated $40,000 to participating schools. In a cooperative effort with the Better Business Bureau, we developed a national financial education partnership to provide prospective small business owners with tips and information on a range of financial and business management topics. The Capital One-sponsored BBBTips™ for Small Business provides consumers with unbiased and factual information to prepare them to meet challenges and find success in their business ventures. All of the information is free and available online at www.bbb.org/tips/capitalone/. A network of 7,300 community-based organizations has distributed more than 1.5 million brochures in five languages to date. The train-the trainer program makes possible the education of approximately 100,000 low-income consumers. The $200,000 in stipends awarded to 60 community groups will help to educate more than 65,000 individuals. Grants to public-school teachers in Henrico County, Virginia provide the means to create innovative financial education teaching programs.