any dealership in the country up to their pre-approved loan amount without having to renegotiate the terms. The company also provides financing for lease buyouts, refinances of existing loans, and the purchase of vehicles from private individuals. The company presently offers auto and motorcycle loans in 48 states plus the District of Columbia. To obtain more information about PeopleFirst, visit the company's Web site at http://www.peoplefirst.com .

Capital One cautions that its current expectations for its earnings are forward-looking statements and actual results could differ materially due to a number of factors, including competition in the credit card, installment loan, and auto finance industries and general economic conditions affecting consumer income and spending, which may affect consumer borrowing, bankruptcies, delinquencies, and charge-offs. A discussion of these and other factors can be found in Capital One's annual and other reports filed with the Securities and Exchange Commission, including, but not limited to, Capital One's report on Form 10-K for the year ended December 31, 2001.