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Capital One Financial Corporation

Type

Public (NYSE:COF)

Founded

Richmond, Virginia 1988

Headquarters

McLean, Virginia, USA

Key people

Richard Fairbank, CEOGary Perlin, CFO

Industry

Financial Services

Products

Credit Cards, Loans, Savings

Market cap

US$ 8.53 billion (Jan. 2009)

Revenue

US$ 18.97 billion (2008)

Net income

US$ 1.70 billion (2008)

Total assets

US$ 150.6 billion (2008)

Employees

31,800 (2006)

Website

www.capitalone.com

Capital One Bank in Wake Village, Texas

COF, or Capital One Financial Corp. (NYSE:COF) is a McLean, Virginia-based U.S. bank holding company specializing in credit cards, home loans, auto loans, banking, and savings products. A member of the Fortune 500, the company helped pioneer the mass marketing of credit cards in the early 1990s, and it is now the fourth largest customer of the United States Postal Service and has the 8th largest deposit portfolio in the United States.

Capital One was founded in 1988 by Richard Fairbank and Nigel Morris as a spin-off of Richmond, Virginia-based Signet Banking Corp (which was subsequently acquired in 1997 by First Union Corp.).

Capital One entered the retail banking market with its acquisition of New Orleans, Louisiana-based Hibernia National Bank in 2005 and Melville, New York-based North Fork Bancorporation in 2006. North Fork Bank and Superior Savings of New England, both subsidiaries of North Fork Bancorporation, began using the branding of Capital One Bank on March 10, 2008.. On December 4, 2008, Capital One announced it would purchase Chevy Chase Bank for $520 million.

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

On November 14, 2008, Capital One Financial Corporation was the recipient of $3,555,199,000.00 of the Emergency Economic Stabilization Act Federal bail-out in the form of a preferred stock purchase.

Capital One Bank (USA), N.A. and Capital One, N.A. are nationally chartered institutions, regulated by the Office of the Comptroller of the Currency, Department of the Treasury.

Divisions

Capital One Auto Finance

Capital One Financial Corporation is the parent company of [Capital One Auto Finance], or COAF, based in Plano, Texas. After buying PeopleFirst, it became the largest Internet auto lender, as well as one of the top US auto lenders overall.

The company, which previously sold auto loans only through direct mail and auto dealerships, lets auto owners refinance existing auto loans and shoppers apply for new auto loans online. A decision usually comes within 15 minutes, after which the buyer receives a “blank check” for up to the approved auto loan amount, which the buyer uses to purchase a car. To the dealership, it is as if the buyer were paying cash. The checks can be used to purchase a new or used vehicle, or to refinance an existing auto loan with another lender.

COAF originates auto loans across the credit spectrum.

International operations

Capital One commenced operations in Canada in 1996. Its head office is located in Toronto, Ontario. Unlike its diversified American parent, the Canadian business does not currently operate outside of the credit card market. Similar to the US Parent, Capital One Canada is Canada Post’s second largest customer. In October 2008, Capital One Canada was named one of Greater Toronto’s Top Employers by Mediacorp Canada Inc., which was announced by the Toronto Star newspaper.

The UK headquarters of Capital One is in Nottingham, England.

The company was once active in Spain, France and South Africa, but has since withdrawn from these markets.

Unusual growth

Unlike other diversified financial services firms, Capital One began as consumer lending “monoline” — a company that only does consumer lending. Remaining a monoline is precarious because of the often-cyclical nature of consumer lending; it can be very profitable industry in good times and markedly unprofitable in bad, such that a monoline company — which lacks other sources of revenue — will go out of business or be acquired fairly cheaply during hard times. Most consumer lending monolines in the past 20 years have either gone out of business (e.g. The Money Store, NextCard, Royal Acceptance) or have been acquired (e.g. MBNA, Beneficial, First USA); Capital One is notable for having experienced neither.

Prior to this the company experienced tremendous growth as a monoline which…(and so on) To get More information , you can visit some products about Wood Music Box, Design Speaker Box, . The Kiddy Blacklead Pencil products should be show more here! 

SPOKANE, Washington — The U.S. Environmental Protection Agency (EPA) has awarded Advantage IQ, Inc., a subsidiary of Avista Corp. (NYSE:AVA), with a 2009 ENERGY STAR Sustained Excellence Award. The award recognizes Advantage IQ’s continued commitment to partnering with multi-site companies nationwide to manage energy cost and consumption. This is the third consecutive year that Advantage IQ has received the Sustained Excellence Award.

“It’s an honor to be recognized by the EPA for our efforts,” says Stu Stiles, President and CEO of Advantage IQ. “We are proud to assist our clients in their energy efficiency efforts, and recognize the impact of automating the ENERGY STAR building rating process for our clients. Companies can do more, when armed with the right data.”

The 2009 Sustained Excellence Awards are given to a select group of organizations that have exhibited outstanding leadership year after year. These winners have reduced greenhouse gas emissions by setting and achieving aggressive goals, employing innovative approaches, and showing others what can be achieved through energy efficiency. These awards recognize ongoing leadership across the ENERGY STAR program including energy-efficient products; services; and new homes and buildings in the commercial, industrial, and public sectors. Award winners are selected from more than 12,000 organizations that participate in the ENERGY STAR program.

Advantage IQ provides sustainable utility expense management solutions, partnering with over 500 multi-site companies nationwide to assess energy cost and consumption. Clients are able to track, measure, and manage their energy performance through the company’s patented reporting system.

In 2008, Advantage IQ played a significant role in the energy efficiency efforts of American businesses. The company processed energy performance ratings for 31,566 buildings, provided energy management solutions to seven clients who were recognized as ENERGY STAR Leaders, and supported several others that were named ENERGY STAR Partners of the Year.

“EPA is delighted to recognize Advantage IQ with the 2009 ENERGY STAR Sustained Excellence award,” said Kathleen Hogan, Director of the Climate Protection Partnerships Division at the U.S. EPA. “Advantage IQ’s leadership on energy efficiency has yielded impressive results for their bottom line and our global environment, showing us all what can be accomplished through sustained commitment and action.”

About Advantage IQ, Inc.: Advantage IQ is a leading provider of comprehensive cost management services for utility, telecom, waste and lease expenses, including strategic energy management services. Their patented technology and services provide multi-site companies with critical, yet easy-to-access information that enables companies to proactively manage and reduce expenses. Advantage IQ’s patented system provides online access to consolidated cost and consumption data, partnered with powerful analytical reporting tools. For more information about Advantage IQ, visit www.advantageiq.com or call toll-free 1-800-791-7564.

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Since 2005, Stu Stiles has served as President and Chief Executive Officer of Advantage IQ, bringing more than 20 years experience in sales, operations, finance and executive leadership, and strategic energy management.

ness letter of intent represents a memo which includes the particulars about a commercial enterprise arrangement between two entities which affects the channelling of commodities or services.

A business letter of intent can be used in a number of situations including a commitment to purchase something, usually a business. It is also referred to as s Memorandum of Agreement (MOA) or Memorandum of Understanding (MOU).

IN THE EARLY STAGES THERE’S VARIOUS OPTIONS AVAILABLE TO YOU.

It is extremely important that you choose the most suitable style so your document presents as professional as possible.

You can select from varying styles including Block Style, Modified Block Style, Semiblock Style. You can have a look at these varying options and select the one that you consider is most suitable.

WHILE DRAFTING A BUSINESS LETTER OF INTENT, THERE’S A NUMBER OF ISSUES YOU NEED TO CONSIDER -

1/ – It’s best mentioned that it is a non-binding document. The letter only needs to include the discussion points whilst exposing as little as possible about the actual issue.

The other party or parties may become impatient & seek legal advice if you don’t stick to the rules.

2/ – It should be clearly written in a neat & tidy fashion. The intentions of all concerned needs to be recorded in the document. Before commencing to write you’re best to make yourself familiar with the various styles of business letters.

3/ – After all the entities involved in the deal sign the memorandum of understanding, a joint press release should be issued. It sends a very positive message to the stockholders of the businesses involved.

4/ – A time line is an important ingredient in the agreement for finalization purposes. This is a significant point. Once you sign the document and issue a press release, all will be watching you.

For the sake of efficieny, it’s to everyone’s advantage that the agreement is completed as soon as practible.

5/ – A confidentiality accord is something which is an inherent component of any business contract. By signing a confidentiality accord, all those included agree that the details hashed out will remain confidential.

These are but a few of the possible issues that you need to keep in mind when drafting up a business letter of intent. And, although it can be an expensive exercise, you really should consult your lawyer before you commence.

The money that you save in the event of a problem, may far outweigh the cost of legal advice.