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Capital One Financial Corporation
Type
Public company
Traded as
  • NYSE: COF
  • S&P 100 Component
  • S&P 500 Component
Industry Financial services
Founded 1988; 29 years ago (1988)
Richmond, Virginia, U.S.
Founder Richard Fairbank, Nigel Morris
Headquarters McLean, Virginia
Key people

Richard Fairbank
(Chairman, President and CEO)
Stephen S. Crawford
(Head of Finance and Corporate Development)

R. Scott Blackley
(CFO)
Products Retail banking, Credit cards, Loans, Savings
Revenue Increase US$25.501 billion (2016)
Operating income
Decrease US$5.80 billion (2016)
Net income
Decrease US$3.75 billion (2016)
Total assets Increase US$357.033 billion (2016)
Total equity Increase US$47.514 billion (2016)
Number of employees
47,300 (2016)
Capital ratio 10.1%
Website www.capitalone.com

Richard Fairbank
(Chairman, President and CEO)
Stephen S. Crawford
(Head of Finance and Corporate Development)

Capital One Financial Corporation is a bank holding company specializing in credit cards, auto loans, banking and savings products headquartered in McLean, Virginia.

Capital One is the eighth-largest commercial bank in the United States when ranked by assets and deposits. and is ranked 9th on the list of largest banks in the United States by total assets. The bank has 755 branches including 18 café style locations and 2,000 ATMs. It is ranked #100 on the Fortune 500, #17 on Fortune's 100 Best Companies to work for list, and conducts business in the United States, Canada, and the United Kingdom. The company helped pioneer the mass marketing of credit cards in the 1990s, and it is one of the largest customers of the United States Postal Service due to its direct mail credit card solicitations. In 2015, it was the 5th largest credit card issuer by purchase volume, after American Express, JP Morgan Chase, Bank of America, and Citigroup.

Capital One is also the 4th largest bank auto lender, with a market share of 4.2% in 2016.

In 2016, 62% of the company's revenues were from credit cards, 26% was from consumer banking, 11% was from commercial banking, and 1% was from other.

Capital One operates 3 divisions as follows:

On July 27, 1994, Richmond, Virginia-based Signet Financial Corp (now part of Wells Fargo) announced the corporate spin-off of its credit card division, OakStone Financial, naming Richard Fairbank as CEO. Signet renamed the subsidiary Capital One in October 1994. The spinoff was concluded February 28, 1995, making Capital One fully independent.

At that time, Capital One was a monoline bank, meaning that all of its revenue came from a single product, in this case, credit cards. This strategy is risky in that it can lead to losses during bad times. Capital One attributed its relative success as a monoline to its use of data collection to build demographic profiles, allowing it to target personalized offers of credit direct to consumers.

Capital One commenced operations in Canada in 1996.

In July 1998, Capital One acquired auto financing company Summit Acceptance Corporation.

In 1999, Capital One was looking to expand beyond credit cards. CEO Richard Fairbank announced moves to use Capital One's experience with collecting consumer data to offer loans, insurance, and phone service.

In October 2001, PeopleFirst Finance LLC was acquired by Capital One.

The companies were combined and rebranded as Capital One Auto Finance Corporation in 2003.

In late 2002, Capital One and the United States Postal Service proposed a negotiated services agreement for bulk discount in mailing services. The resulting three-year agreement was extended in 2006. In June 2008, however, Capital One had filed a complaint with the USPS regarding the terms of the next agreement, citing the terms of the NSA of Capital One's competitor, Bank of America. Capital One subsequently withdrew its complaint to the Postal Regulatory Commission following a settlement with the USPS.

Onyx Acceptance Corporation was acquired by Capital One in September 2004.

While many other monolines were acquired by larger, diverse banks, Capital One expanded into retail banking with a focus on subprime customers.

Capital One acquired New Orleans, Louisiana-based Hibernia National Bank for $4.9 billion in cash and stock in 2005 and acquired Melville, New York-based North Fork Bank for $13.2 billion in cash and stock in 2006, which reduced its dependency on credit cards from 90% to 55%.

In 2007, Capital One acquired NetSpend, a marketer of prepaid debit cards, for $700 million.

During the 2007 subprime mortgage financial crisis, Capital One closed its mortgage platform, GreenPoint Mortgage, due in part to investor pressures.

In 2008, Capital One received an investment of US$3.56 billion from the United States Treasury as a result of the Troubled Asset Relief Program. On June 17, 2009, Capital One completed the repurchase of the stock the company issued to the U.S. Treasury paying a total of US$3.67 billion, resulting in a profit of over $100 million to the U.S. Treasury.

The U.S. Securities and Exchange Commission criticized Capital One's conduct during the crisis, claiming that the understated auto loan losses during the financial crisis of 2007-2008. In 2013, Capital One paid $3.5 million to settle the case, but was not required to directly address the allegations of wrongdoing.

In February 2009, Capital One acquired Chevy Chase Bank for $520 million in cash and stock.

In June 2011, ING Group announced the sale of its ING Direct division to Capital One for US$9 billion in cash and stock. On August 26, 2011, the Federal Reserve Board of Governors announced it would hold public hearings on the Capital One acquisition of ING Direct, and extend to October 12, 2011, the public comment period that had been scheduled to end August 22. The move came amidst rising scrutiny of the deal on systemic risk, or "Too-Big-to-Fail," performance under the Community Reinvestment Act, and pending legal challenges. A coalition of national civil rights and consumer groups, led by the National Community Reinvestment Coalition, were joined by Rep. Barney Frank to challenge immediate approval of the deal. The groups have argued that the acquisition is a test of the Dodd-Frank Wall Street Reform and Consumer Protection Act, under which systemically risky firms must demonstrate a public benefit that outweighs new risk before they are allowed to grow. Kansas City Federal Reserve Bank head Thomas M. Hoenig was also skeptical of the deal. In February 2012, the acquisition was approved by regulators and Capital One completed its acquisition of ING Direct. Capital One received permission to merge ING into its business in October 2012, and rebranded ING Direct as Capital One 360 in November 2012.

In August 2011, Capital One reached a deal with HSBC to acquire its U.S. credit card operations. Capital One paid US$31.3 billion in exchange for US$28.2 billion in loans and $600 million in other assets. The acquisition was completed by May 2012.

On February 26, 2012, along with several other banks, Capital One announced support for the Isis Mobile Wallet payment system. However, in September 2013, Capital One dropped support for the venture.

In 2012, Capital One closed 41 branch locations.

In 2015, Capital One closed 186 branch locations.

On February 19, 2014, Capital One became a 25% owner in ClearXchange, a P2P (person to person) money transfer service designed to make money transfers to customers within the same bank and other financial institutions via mobile phone number or email address. ClearXchange was sold to Early Warning in 2016.

In January 2015, Capital One acquired Level Money, a budgeting app for consumers.

On July 8, 2015, Capital announced that it has acquired Monsoon, a design studio, development shop, marketing house and strategic consultancy.

In 2015, Capital One acquired General Electric's Healthcare Financial Services unit, which included $8.5 billion in loans made to businesses in the healthcare industry, for $9-billion.

In October 2016, Capital One acquired Paribus, a price tracking service, for an undisclosed amount.

Sanjiv Yajnik announced, the mortgage market is too competitive in the low rate environment to make money in the business. This would be the second closure, where the first occurred on August 20, 2007 when GreenPoint Mortgage unit was closed. GreenPoint had been acquired last December of 2006 when Capital One paid $13.2 billion to North Fork Bancorp Inc. The re-emergence into the mortgage industry came in 2011 with the purchase of online bank ING Direct USA.

Since 2001, Capital One has been the principal sponsor of the college football Florida Citrus Bowl, which has been called the Capital One Bowl since 2003. It sponsors a mascot challenge every year, announcing the winner on the day of the Capital One Bowl. Capital One is one of the top three sponsors of the NCAA, paying an estimated $35 million annually in exchange for advertising and access to consumer data. Capital One also sponsored the EFL Cup, an English Soccer Competition, from 2012 to 2016. The company sponsored Sheffield United F.C. from 2006 to 2008. Most recently, the company became the new naming sponsor of the main indoor sports venue in Washington, D.C., now known as Capital One Arena, in 2017.

Capital One operates some charitable programs, such as the "No Hassle Giving" web portal, in which Capital One covers the transaction fees on customer and non-customer donations made through the site. The accountability organization National Committee for Responsive Philanthropy has been highly critical of Capital One's relatively low rate of giving, stating that "Capital One's philanthropic track record is dismal". The organization pointed out that Capital One's donations of 0.024% of revenue were much less than the industry median of 0.11% of revenue. Capital One has disputed the groups figures, saying that "... In 2011 alone, our giving totals are more than 6 times greater ($30 million) than the number given by the NCRP".

In July 2012, Capital One was fined by the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau for misleading millions of its customers, such as paying extra for payment protection or credit monitoring when they took out a card. The company agreed to pay $210 million to settle the legal action and to refund two million customers. This was the CFPB's first public enforcement action.

In August 2014, Capital One and three collection agencies entered into an agreement to pay $75.5 million to end a consolidated class action lawsuit pending in the United States District Court for the Northern District of Illinois alleging that the companies used an automated dialer to call customers’ cellphones without consent, which is a violation of the Telephone Consumer Protection Act of 1991. It is notable that this legal action involved informational telephone calls, which are not subject to the "prior express written consent" requirements which have been in place for telemarketing calls since October 2013.

In 2014, Capital One amended its terms of use to allow it to "contact you in any manner we choose", including a "personal visit . . . at your home and at your place of employment." It also asserted its right to "modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose." Los Angeles Times writer David Lazarus commented that "Cap One has made deliberate decisions that seem intended to overreach and intimidate, confirming in the eyes of many the company's thoughtlessness and occasional ruthlessness". Emily Rusch, the executive director of the California Public Interest Research Group, found the company's assertion of a right to "spoof" Caller ID particularly disturbing, saying "Now more than ever, consumers need to be able to trust companies".

Capital One spokeswoman Pam Girardo responded that the company would not actually make personal visits to customers except "As a last resort, . . . if it becomes necessary to repossess [a] sports vehicle". Capital One also attributed its assertion of a right to "spoof" as necessary because "sometimes the number is 'displayed differently' by 'some local phone exchanges,' something that is 'beyond our control'".

Girardo told the New York Times that the company was "reviewing" the language involved. David Lazarus noted that "now that a little sunlight has been applied, the company is not as comfortable as it previously was with behaving like a total maniac. In the meantime, cardholders can make up their own minds. Do they want to believe the non-binding explanations of a company representative or the legally enforceable language that's currently in their written contracts?"

News

Q reports

Period Date Adjusted Actuals EPS GAAP EPS
Q4 2020 2021-01-19 Future report Set alerts
Q3 2020 2020-10-22 Future report Set alerts
Q2 2020 2020-07-21 -2.21 -2.21
Q1 2020 2020-04-23 -3.10 -3.10
Q4 2019 2020-01-21 2.25 2.25
Q3 2019 2019-10-24 2.69 2.68
Q2 2019 2019-07-18 3.24 3.22
Q1 2019 2019-04-25 2.86 2.86
Q4 2018 2019-01-22 1.87 2.49
Q3 2018 2018-10-23 2.99 2.99

Ratings

2016-07-10 Reiterated Rating Barclays PLC Overweight $87.00
2016-07-09 Reiterated Rating Nomura Holdings Inc. Hold
2016-07-09 Reiterated Rating Wells Fargo & Co. Hold
2016-07-08 Upgrade DA Davidson Neutral to Buy $76.00
2016-07-07 Lower Price Target Deutsche Bank AG Hold $78.00 to $73.00
2016-07-05 Reiterated Rating Credit Suisse Group AG Neutral
2016-07-05 Reiterated Rating BMO Capital Markets Buy $108.00
2016-06-30 Reiterated Rating JPMorgan Chase & Co. Buy
2016-06-17 Reiterated Rating Jefferies Group Buy
2016-06-15 Reiterated Rating Evercore ISI Hold $74.00
2016-06-15 Reiterated Rating Deutsche Bank Hold
2016-06-15 Reiterated Rating Deutsche Bank AG Hold
2016-06-08 Downgrade Sterne Agee CRT Neutral to Underperform $67.50
2016-05-16 Reiterated Rating Sterne Agee CRT Neutral
2016-05-09 Upgrade Guggenheim Sell to Neutral $67.00
2016-04-27 Reiterated Rating Jefferies Group Hold
2016-04-27 Reiterated Rating Morgan Stanley Buy
2016-04-27 Reiterated Rating Drexel Hamilton Buy $100.00
2016-04-27 Upgrade Sandler O'Neill Hold to Buy
2016-04-27 Downgrade Bank of America Neutral to Underperform $69.00
2016-04-27 Downgrade Bank of America Corp. Neutral to Underperform $69.00
2016-04-17 Reiterated Rating Credit Suisse Hold
2016-04-17 Reiterated Rating Credit Suisse Group AG Hold
2016-04-12 Lower Price Target Goldman Sachs $80.00 to $79.00
2016-04-12 Lower Price Target Goldman Sachs Group Inc. $80.00 to $79.00
2016-04-08 Reiterated Rating Deutsche Bank Hold $79.00 to $78.00
2016-04-06 Downgrade Guggenheim Buy to Neutral $62.00
2016-04-05 Downgrade Oppenheimer Market Perform to Underperform $58.00
2016-04-05 Downgrade Oppenheimer Holdings Inc. Market Perform to Underperform $58.00
2016-04-01 Upgrade JPMorgan Chase & Co. Neutral to Overweight $73.00 to $83.00
2016-03-15 Boost Price Target Sandler O'Neill Hold $66.00 to $76.00
2016-02-26 Boost Price Target Goldman Sachs Neutral $78.00 to $80.00
2016-02-18 Lower Price Target Deutsche Bank Buy $81.00 to $79.00
2016-02-11 Lower Price Target Nomura Hold $84.00 to $80.00
2016-02-11 Downgrade Bank of America Buy to Neutral $66.00
2016-02-11 Lower Price Target Nomura Holdings Inc. Hold $84.00 to $80.00
2016-01-27 Reiterated Rating William Blair Market Perform
2016-01-27 Reiterated Rating Oppenheimer Market Perform
2016-01-27 Lower Price Target Argus Buy $92.00 to $80.00
2016-01-27 Lower Price Target Keefe, Bruyette & Woods Outperform $100.00 to $84.00
2016-01-27 Lower Price Target Jefferies Group Hold $84.00 to $69.00
2016-01-27 Lower Price Target Goldman Sachs Neutral $79.00 to $78.00
2016-01-27 Lower Price Target Citigroup Inc. Buy $87.00 to $75.00
2016-01-27 Lower Price Target BMO Capital Markets Outperform $113.00 to $108.00
2016-01-27 Lower Price Target Sanford C. Bernstein Outperform $93.00 to $89.00
2016-01-27 Reiterated Rating Evercore ISI Hold $78.00 to $70.00
2016-01-27 Reiterated Rating DA Davidson Neutral $70.00 to $67.00
2016-01-14 Lower Price Target RBC Capital Outperform $88.00 to $85.00
2016-01-14 Lower Price Target Royal Bank Of Canada Outperform $88.00 to $85.00
2016-01-13 Initiated Coverage DA Davidson Neutral to Neutral $70.00
2016-01-07 Downgrade Deutsche Bank Buy to Hold $92.00 to $81.00
2016-01-05 Downgrade Oppenheimer Outperform to Market Perform
2015-12-22 Initiated Coverage Evercore ISI Hold $78.00
2015-12-21 Initiated Coverage Credit Suisse Neutral $90.00
2015-12-09 Initiated Coverage Sterne Agee CRT Neutral $86.00
2015-11-02 Initiated Coverage BMO Capital Markets Outperform
2015-10-25 Reiterated Rating Nomura Hold $82.00
2015-10-23 Boost Price Target BMO Capital Markets Outperform $113.00
2015-10-23 Lower Price Target Sanford C. Bernstein $95.00 to $93.00
2015-10-21 Reiterated Rating William Blair Market Perform
2015-10-08 Lower Price Target JPMorgan Chase & Co. $91.00 to $80.00
2015-10-06 Reiterated Rating Oppenheimer Outperform $98.00 to $92.00
2015-10-06 Reiterated Rating Deutsche Bank Buy
2015-09-09 Lower Price Target Janney Montgomery Scott Neutral $82.00 to $81.00
2015-08-13 Upgrade Argus Hold to Buy $92.00
2015-08-12 Boost Price Target BMO Capital Markets Outperform $106.00 to $109.00
2015-08-06 Reiterated Rating Deutsche Bank Buy $92.00
2015-07-30 Upgrade Morgan Stanley Equal Weight to Overweight $90.00
2015-07-28 Lower Price Target Oppenheimer Outperform $103.00 to $98.00
2015-07-25 Reiterated Rating RBC Capital Buy
2015-07-24 Lower Price Target RBC Capital Outperform $89.00 to $88.00
2015-07-24 Downgrade JPMorgan Chase & Co. Overweight to Neutral $90.00 to $91.00
2015-07-24 Downgrade Wells Fargo & Co. Outperform to Market Perform
2015-07-24 Downgrade Goldman Sachs Conviction-Buy to Neutral $103.00 to $91.00
2015-07-24 Downgrade Wells Fargo Outperform to Market Perform
2015-06-18 Reiterated Rating Oppenheimer Outperform $103.00
2015-06-18 Initiated Coverage Stifel Nicolaus Buy $97.00
2015-06-04 Initiated Coverage CLSA Outperform $96.00
2015-06-04 Initiated Coverage Credit Agricole Outperform $96.00
2015-06-04 Initiated Coverage Credit Agricole SA Outperform $96.00
2015-05-21 Upgrade Rafferty Capital Markets Hold to Buy $93.00 to $103.00
2015-05-09 Reiterated Rating Keefe, Bruyette & Woods Outperform
2015-05-06 Boost Price Target Sanford C. Bernstein Outperform $82.27 to $100.00
2015-04-24 Reiterated Rating Nomura Neutral $82.00
2015-04-24 Downgrade FBR & Co. Outperform to Market Perform $94.00 to $87.00
2015-04-24 Downgrade FBR & Co Outperform to Market Perform $94.00 to $87.00
2015-03-18 Reiterated Rating Deutsche Bank Buy $92.00
2015-03-13 Boost Price Target Oppenheimer Outperform $96.00 to $101.00
2015-02-11 Initiated Coverage BMO Capital Markets Outperform
2015-01-28 Downgrade Guggenheim Buy to Neutral
2015-01-23 Lower Price Target JPMorgan Chase & Co. Overweight $95.00 to $90.00
2015-01-23 Lower Price Target Jefferies Group Hold $87.00 to $84.00
2015-01-23 Reiterated Rating Citigroup Inc. Buy $96.00 to $95.00
2015-01-23 Lower Price Target RBC Capital Outperform $86.00 to $84.00
2015-01-23 Lower Price Target Oppenheimer Outperform $97.00 to $96.00
2015-01-05 Boost Price Target Barclays Overweight $93.00 to $95.00
2015-01-05 Boost Price Target Barclays PLC Overweight $93.00 to $95.00
2014-12-17 Initiated Coverage Jefferies Group Hold $87.00
2014-11-19 Initiated Coverage Sanford C. Bernstein Outperform
2014-11-13 Initiated Coverage Deutsche Bank Buy $92.00
2014-11-11 Downgrade Nomura Buy to Neutral $94.00 to $86.00
2014-10-17 Lower Price Target RBC Capital Outperform $88.00 to $86.00
2014-10-07 Reiterated Rating Oppenheimer Outperform $98.00 to $97.00
2014-07-18 Boost Price Target Janney Montgomery Scott $82.00 to $86.00
2014-07-18 Boost Price Target Barclays Overweight $86.00 to $93.00
2014-07-18 Boost Price Target RBC Capital Outperform $79.00 to $88.00
2014-07-18 Boost Price Target FBR & Co. Outperform $90.00 to $94.00
2014-07-18 Boost Price Target Oppenheimer Outperform $94.00 to $98.00
2014-07-16 Reiterated Rating JPMorgan Chase & Co. Overweight $85.00 to $95.00
2014-07-14 Reiterated Rating Janney Montgomery Scott Fair Value $79.00 to $82.00
2014-07-14 Boost Price Target Citigroup Inc. Buy $87.00 to $96.00
2014-07-14 Boost Price Target Credit Suisse Neutral $72.00 to $90.00
2014-07-07 Boost Price Target Oppenheimer Outperform $85.00 to $94.00
2014-07-07 Boost Price Target FBR & Co. Outperform $85.00 to $90.00
2014-06-27 Reiterated Rating Wells Fargo & Co. Outperform
2014-06-27 Reiterated Rating Wells Fargo Outperform
2014-06-09 Upgrade Nomura Neutral to Buy $75.00 to $94.00
2014-04-21 Upgrade Rafferty Capital Markets Hold to Buy $74.50 to $94.00
2014-04-21 Boost Price Target Morgan Stanley Equal Weight $74.00 to $80.00
2014-04-17 Reiterated Rating Bank of America Buy $78.00 to $84.00
2014-04-03 Boost Price Target Oppenheimer Outperform $81.00 to $85.00
2014-03-27 Reiterated Rating FBR & Co. Outperform
2014-01-21 Reiterated UBS Buy $85 to $87
2014-01-17 Reiterated Rating Janney Montgomery Scott Fair Value $78.00 to $76.00
2014-01-17 Boost Price Target Buckingham Research $87.00
2014-01-17 Downgrade Susquehanna Positive to Neutral $78.00
2014-01-17 Boost Price Target Jefferies Group $80.00 to $88.00
2014-01-09 Boost Price Target Barclays Overweight $80.00 to $86.00
2014-01-07 Upgrade Goldman Sachs Buy to Conviction-Buy $80.00 to $90.00
2013-12-20 Reiterated FBR Capital Outperform $82 to $85
2013-12-20 Boost Price Target FBR & Co. Outperform $82.00 to $85.00
2013-10-18 Boost Price Target Janney Montgomery Scott Neutral $70.00 to $75.00
2013-10-18 Boost Price Target Guggenheim Buy $78.00 to $82.00
2013-10-18 Boost Price Target Sanford C. Bernstein Outperform $80.00 to $82.00
2013-10-18 Boost Price Target Stifel Nicolaus Buy $77.00 to $82.00
2013-10-18 Reiterated Rating Nomura Neutral $64.00 to $71.00
2013-10-18 Boost Price Target FBR & Co. Outperform $74.00 to $82.00
2013-10-15 Boost Price Target Sandler O'Neill Hold $70.00 to $73.00
2013-10-14 Initiated Coverage SunTrust Buy $81.00
2013-10-10 Upgrade Guggenheim Neutral to Buy $75.00 to $78.00
2013-10-08 Boost Price Target Jefferies Group Buy $77.00 to $80.00
2013-02-20 Reiterated FBR Capital Outperform $68 to $63
2012-10-12 Initiated Robert W. Baird Outperform $70
2012-05-08 Upgrade Argus Sell to Hold
2012-04-20 Reiterated FBR Capital Outperform $60 to $70
2012-03-15 Reiterated RBC Capital Mkts Outperform $61 to $63
2016-07-10 Reiterated Rating Barclays PLC Overweight $87.00
2016-07-09 Reiterated Rating Nomura Holdings Inc. Hold
2016-07-09 Reiterated Rating Wells Fargo & Co. Hold
2016-07-08 Upgrade DA Davidson Neutral to Buy $76.00
2016-07-07 Lower Price Target Deutsche Bank AG Hold $78.00 to $73.00

There is presents forecasts of rating agencies and recommendations for investors about this ticker

Major Shareholders

Name Relationship Total Shares Holding stocks
FAIRBANK RICHARD D Chairman, CEO and President 0.49%  (2769138) COF /
Schneider Ryan M. President, Card 0.03%  (182790) COF / RLGY /
CRAWFORD STEPHEN S Chief Financial Officer 0.03%  (177684) COF /
FINNERAN JOHN G JR Gen. Counsel & Corp. Secretary 0.02%  (108825) COF /
Witter Jonathan W. President, Retail Banking 0.02%  (105415) COF / HLT /
Wassmer Michael J President, U.S. Card 0.02%  (88625) COF /
Sanjiv Yajnik President, Financial Services 0.02%  (88552) CBG / COF /
Berson Jory A Chief Human Resources Officer 0.02%  (84420) COF /
Alexander Robert M. Chief Information Officer 0.01%  (82399) COF /
LaPrade,III Frank G. Chief Enterprise Srvcs Officer 0.01%  (61204) COF /
HACKETT ANN F 0.01%  (59918) BEAM / COF / FBHS /
Borgmann Kevin S. Chief Risk Officer 0.01%  (59894) COF /
Slocum Michael President, Commercial Banking 0.01%  (54646) COF /
WARNER BRADFORD H 0.01%  (51992) COF /
GROSS PATRICK W 0.01%  (47839) CECO / COF / LQDT / RST / WM /
SHATTUCK MAYO A III 0.01%  (45857) COF / EXC / GPS /
HAY LEWIS III 0.01%  (45190) COF / HRS / NEE / WLP /
LEROY PIERRE E 0.01%  (43268) COF / URI /
Eder Noelle K Chief Card Cust. Exp. Officer 0.01%  (41876) COF /
Blackley Richard Scott Principal Accounting Officer 0.01%  (38537) COF /
Newkirk Christopher T Pres., Intl. and Sm. Bus. Card 0.01%  (30827) COF /

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