Capital One Direct Banking: Online Savings Accounts, Money Market Accounts and Certificates of Deposit

Online Savings Account

Get a
$50 bonus*
Enter offer code: SAVER50DF

Enter offer code: SAVER50DF

1.50

with $10,000 or more.

APY*

A lot of investments have gone flat.
Let us help your savings expand.

Get a $50 bonus—Open your first account by November 25, 2009
and get $50 when you deposit $10,000 or more.*

Get a great rate—Our rates have been among the best in the
nation for the past 10 years.

Make easy online transfers—Make secure online transfers
to and from your existing external bank accounts for free.^†

Pay no fees—Really. Service and maintenance fees don't
apply for this account.

Visit www.capitalonedirect.com to find out about our other products.

* Rates based on balances of $10,000 or more.
** Source: Informa Research Services, Inc.

National Average

0.51% APY**

Capital One

1.50%

Annual
Percentage
Yield (APY)*

* This offer is only available for accounts opened online. You will receive a $50 bonus if you open a Capital One Direct Banking savings account or money market account, provide the offer code at the time of account opening, and have at least $10,000 on deposit on 11/25/2009. This account must be your first account with Capital One Direct Banking. This account must remain open 4-8 weeks after 11/25/2009 during which time the bonus will be deposited into your account. Once deposited, the bonus will be reflected on your monthly statement. APYs in effect as of 11/13/2009. 1.50% APY applies to account balances of $10,000 or more. 0.50% APY applies to balances less than $10,000. Minimum initial deposit amount is $1. Terms and conditions of this offer may change at any time. Rates are variable and may change at any time. This offer may not be combined with any other offers. Please keep this bonus disclosure for your records.

^† Withdrawals by online transfer are limited to six per calendar month.

** National Average for money market accounts as of 11/9/2009, Informa Research Services, Inc., Calabasas, CA, www.informars.com, based on balance of $10,000. Although the information has been obtained from various institutions, the accuracy cannot be guaranteed.

Capital One Direct Banking products and services are offered by Capital One Bank (USA), N.A., and Capital One N.A., members FDIC.

©2009 Capital One. The trademarks used herein are owned by Capital One. All rights reserved.