Costco Connection - July 2009

Capital One^® Online Savings Account

1.80^%_A

P

Y1 on balances of $10,000 or more

EXCLUSIVE COSTCO MEMBER RATE

1.80% APY

1

Annual Percentage Yield (APY) based on balances of $10,000 or more

• Rate among the best in the nation

• No fees

• FDIC Insured increased to $250,000 until 12/31/13

Money Market National Average 0.60% APY³

Source: Informa Research Services, Inc.

• Easy online transfers²

Ope

F

and

MEMBER BONUS

4

Executive Members: Get $60 • Gold Star & Business Members: Get $20

When you open your first account and deposit $5,000 within 30 days.

Capital One Direct Banking deposit products are offered by Capital One Bank (USA), N.A., and Capital One, N.A., members FDIC. May not be combined with any other offers.

You must be a current Costco member to take advantage of this offer.

1 APY in effect as of 6/3/09. 1.80% APY applies to account balances of $10,000-$24,999.99, $25,000-$49,999.99, $50,000-$99,999.99, and $100,000 or more and 1.06% APY applies to balances of $0.01-$99.99, $100-$4,999.99, and $5,000-$9,999.99. 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. 2 Withdrawals by online transfer are limited to six per calendar month. 3 Data as of 6/3/09, Informa Research Services, Inc., Calabasas, CA, www.informars.com, based on balances of $10,000. Although the information has been obtained from various institutions, the accuracy cannot be guaranteed. 4 To receive the $60 Costco member bonus, you must be a current Costco Executive Member at the time you open your account. To receive the $20 Costco member bonus, you must be a current 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 bonus 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 bonus may be reported to the IRS as required by applicable law. Please keep this bonus disclosure for your records. © 2009 Capital One. All rights reserved.