InterestPlus Online Savings: 1.75% APY applies to account balances of $5,000-$9,999.99 , $10,000-$99,999.99, and $100,000 or more. 0.00% APY applies to balances less than $5,000. Rates are variable and may change at any time. Minimum deposit required to open the accout is $5,000. Withdrawals by online transfer are limited to six per calendar month. This account offers electronic statements only. Rate Disclosure

InterestPlus Online Savings 10% Bonus: The bonus is calculated quarterly and is equal to 10% of the interest earned on this account in the previous quarter. In order to be eligible to receive this bonus, your InterestPlus Online Savings account must be open, and you must maintain an average monthly balance of at least $15,000 in this account every month during the previous quarter. The bonus will be paid to your InterestPlus Online Savings account within 4-8 weeks after the end of each quarter and will be reflected on your statement. The amount of the bonus may be reported to the IRS as required by applicable law. Terms and conditions of this offer may change at any time.

Money Market Account: 1.40% APY applies to account balances of $100 or more. 0.00% APY applies to balances less than $100. Minimum initial deposit amount is $1,000. Terms and conditions of this offer may change at any time. Rates are variable and may change at any time after account opening. Withdrawal limits apply. Rate Disclosure

Certificates of Deposit: The APY in effect for an 18-month CD was 1.20%, the APY in effect for a 3-year CD was 2.05%, the APY in effect for a 5-year CD was 2.45%, and the APY in effect for a 7-year CD was 2.45%. Other rates and terms are also available. A minimum deposit of $5,000 is required to open a CD. A minimum deposit of $100,000 is required to open a Jumbo CD. A substantial penalty may be imposed for early withdrawal; this fee could reduce earnings. Rates may change at any time. Rate Disclosure

Business Money Market Account: 1.40% APY applies to account balances of $100–$4,999.99, $5,000–$9,999.99, $10,000–$24,999.99, $25,000–$49,999.99, $50,000–$99,999.99 and $100,000 or more. 0.00% APY applies to balances less than $100. Minimum initial deposit amount is $1,000. Terms and conditions of this offer may change at any time. Rates are variable and may change at any time. Withdrawal limits apply. Rate Disclosure

Costco Member Incentive: To receive the $60 Costco member incentive, you must be a Costco Executive Member at the time you open your account. To receive the $20 Costco member incentive, you must be a Costco Gold Star or Business 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 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 may be reported to the IRS as required by applicable law. Please keep this incentive disclosure for your records.

† National Average for money market accounts as of 11/2/2009, 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.

†† Source: Informa Research Services, Inc. Calabasas, CA, as of 11/2/2009. www.informars.com. Data is based on a balance of $2,500. Although the information has been obtained from various institutions themselves, the accuracy cannot be guaranteed.