Capital One Financial Corporation is a diversified banking company focused primarily on consumer and commercial lending and deposit origination. Its principal business segments are Local Banking and National Lending. Local Banking includes the Company’s branch, treasury services and national deposit gathering activities; its commercial, branch-based small business lending and certain branch originated consumer lending, and its mortgage servicing activities. The National Lending segment consists of two sub-segments: the U.S. Card sub-segment, which consists of domestic consumer credit and debit card activities and the other sub-segment, which includes the Company’s auto finance and international lending sub-segments. In February 2009, the Company completed its acquisition of Chevy Chase Bank.