Capital One Bank — Personal Banking

** Interest counter displays an estimate of interest paid to customers with non-Branch and Costco program accounts since 1997.

* APY means Annual Percentage Yield (APY). APYs are effective as of 2/1/2012 and may change at any time. Account-specific disclosures:
InterestPlus Online Savings
Money Market Account

To receive a Costco Member incentive, you must be a current Costco member at the time you open your account. This must be your first Capital One Direct Banking account of any kind through the Costco program and you must fund your account with at least $5,000 within 30 days of account opening. The applicable member incentive will be credited to your account 4-6 weeks after you fund your account and may occur as two partial credits. The amount of the incentive varies by membership type ($60 for Executive Members and $20 for Gold Star and Business Members) and may be reported to the IRS as required by applicable law. Please keep this incentive disclosure for your records.

For J.D. Power and Associates Certified Call Center Program^SM information, please visit www.jdpower.com

FDIC insured to at least 250,000 per depositor, per institution. See www.fdic.gov for more details.