Costco Connection - June 2010

1. 40 APY1 %

Exclusively for Costco members

InterestPlus Online Savings Account

Get a higher rate from a name you trust. Grow your savings faster with a 1.40% Annual Percentage Yield (APY) 1 on balances of $5,000 or more. That’s one of the highest rates you’ll find among savings accounts.

Total $231.00

$21.00

$210.00

Then, earn more with a 10% Bonus.

Get a 10% quarterly bonus on your earned interest when your average monthly balance is at least $15,000.2

$64.50

Get the most with a Costco Member Incentive.

Executive Members get a $60 Costco Member Incentive; Gold Star and Business Members get a

$20 Costco Member Incentive.

Valid when you open your first Capital One account through the Costco program and deposit $5,000 within 30 days. 3

en your account online today. sit Costco.com and search: InterestPlus29.

For questions, call 1-866-638-5314.

Source: Informa Research Services, Inc. 4

Sample annual earnings on a $15,000 balance.

This chart represents interest earned for one year assuming no withdrawals plus the 10% bonuses on the interest earned. Actual interest and bonus earned may vary.

This Capital One Direct Banking deposit product is offered by Capital One Bank (USA), 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. Terms and conditions of this offer may change at any time. The amount of the bonuses and incentives may be reported to the IRS as required by applicable law.

1 APY in effect as of 4/28/10. 1.40% APY applies to account balances of $5,000 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 account is $5,000. Withdrawals by online transfer are limited to six per calendar month. This account offers electronic statements only. 2 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.

3 To receive a Costco Member Incentive, you must be a current Costco 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 amount of the Costco Member Incentive varies by membership type. The applicable Costco Member Incentive will be credited to your account 4-6 weeks after you fund your account and may occur as two partial credits. Please keep this disclosure for your records.

4 Data as of 4/26/10, 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.