Costco Connection - October 2008

NEW Capital One^® Online Savings Account

EARN A BIG

3.75 _APY₁

AS OF 8/20/08 ON BALANCES OF $10,000 OR MORE

Exclusive rates for Costco Members

Enjoy the following benefits:

• No fees

• Easy online transfers²

3.75% APY¹Online Savings Account Annual Percentage Yield (APY) based on balances of $10,000 or more

Also available from Capital One:

Certificates of Deposit

– 5.45% APY⁴ on a 7-year CD

Money Market National Average 0.24% APY³

Money Market Accounts

For questions Call 1-866-630-7958.

Go online to open an account today!

Visit costco.com and search: Direct Banking

MEMBER Executive Members get $60 • Gold Star & Business Members get $20 BONUS! ⁵ When you open your first account and deposit $5,000 within 30 days

MEMBER FDIC

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

¹¹ As of 8/20/08, if the daily balance of the Capital One Online Savings Account was $10,000 or more, the APY was 3.75%; if less than $10,000, the APY was 2.75%. Minimum initial deposit amount is $5,000. Terms and conditions of this offer may change at any time. Rates are variable and may change at any time. Due to lengthy printing lead times, rates may have changed since printing. See costco.com or call the phone number above for most current rates.

²² Withdrawals by online transfer are limited to six per calendar month.

³³ National Average of APYs for money market accounts as published by BanxQuote.com as of 8/20/08.

⁴⁴ As of 8/20/08, the AP Y in effect for Capital One 7-year Certificate of Deposit (CD) was 5.45%. Other rates and terms are also available. Rates may change at any time. A minimum deposit of $5,000 is required to open a CD. A substantial penalty may be imposed for early withdrawal; this fee could reduce earnings. Terms and conditions of this offer may change at any time. ⁵ Member bonus is paid as an interest credit. To receive the $60 interest credit, you must be a Costco Executive Member at the time you open your account. To receive the $20 interest credit, 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 interest credit will be credited to your account as interest income 4-6 weeks after you fund your account and may occur as two partial interest credits.