The document is a marketing letter for the Capital One No Hassle Miles credit card. It offers the recipient no annual fee on the card, a 2.99% fixed APR on balance transfers until 2007 which could save them hundreds, and double miles earned for the first six months when transferring a balance to the account. The letter encourages the recipient to request the card by the deadline to take advantage of these special offers.

1. 20269_V_CR1_TicketHolder_ERv 12/22/04 5:19 PM Page 1
(See inside for details.)
No annual fee
until 2007
You could save hundreds with a 2.99% fixed APR
Fold Fold
PRESORTED
STANDARD
U.S. POSTAGE PAID
CAPITAL ONE
P.O. Box 85149
Richmond, VA 23295-0001
Sample A. Sample
Apt. 123
123 Sample Street
Sample City, SS 12345-6789
It’s time to fly with no strings attached!
Fold Fold
Capital One Competitive Comparison DM 12/22/04 PDF
20269_V_CR1_TicketHolder_E (Outside)
flat size: 10” x 4.5”

2. 20269_V_CR1_TicketHolder_ERv 12/22/04 5:19 PM Page 2
The No Hassle Miles card lets you “Fly Free-er”
SM
with no hassles and no annual fees.
2.99% fixed Accepted
No DOUBLE Generous Fly 100+ FREE travel APR until at millions
No Hassle SM
MILES credit lineo airlines starts at 2007 on
v
annual fee of locations
Miles card for 6 months anytime 9,000 miles balance worldwide
transfers L
American
Express® Pay balance 25,000 miles Only accepted
Rewards $90 No Only 21 N/A
in annual fees bonus miles in full each airlines needed for at select
Gold Card month air travel merchants
Sources: www.americanexpress.com and market surveys in effect as of 12/04. The above service marks are owned by the respective entities. All rights reserved.
Capital One has no affiliation with and does not endorse the company.
Contingent upon the availability of airline fares of $100 or less, applies to only new and qualified applicants and assumes your account is in good standing.
Certain restrictions may apply. Terms subject to change without notice.
© 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved.
Fold Fold
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Capital One Competitive Comparison DM 12/22/04 PDF
20269_V_CR1_TicketHolder_E (Inside)
flat size: 10” x 4.5”

3. 20269_V_CR1_TicketHolder_F 12/22/04 5:20 PM Page 1
Here’s your ticket to a
v
free-er flight
• Fly on any airline, anytime
• No blackout dates
• No seat restrictions
• No annual fee
Dear Sample A. Sample,
Now you can enjoy all the privileges of the American Express® card — plus the extra buying power of
Fold a generous credit lineo — all with no annual fee. Simply request the Capital One® No HassleSM Miles Fold
Visa® Platinum card today.
L
Transfer a balance and get a 2.99% fixed APR until 2007
You could save hundreds of dollars in interest fees if you transfer a balancem when you request your card
now. We’ll even waive the transfer fees so you save even more. And after 18 months, you keep saving
with a low variable rate, currently at 8.99%.
Pay no annual fee
American Express cards charge you up to $90 a year just to carry their card. But you can enjoy better
benefits with the No HassleSM Miles card — plus no annual fee. So you save money right off the bat.
Earn DOUBLE MILES for six months
When you transfer a balance now, you also earn miles twice as fast for the first six months. So you
Fold can fly free sooner on any airline — with no blackout dates or seat restrictions. Fold
Request your card today
To take advantage of these special offers, simply return the form below or call 1-XXX-XXX-XXXX
before Month XX, 200X.
Request your card now at
Sincerely, www.getmycard.com
Get a response in as little as 60 seconds,
Pat W. Johnston, Director of New Accounts transfers as quick as 48 hours.
Reference number: Access code:
XXXXXXXXXXXXX XXXXXX
©2005 Capital One Services, Inc. Capital One is a federally registered service mark.
All rights reserved.
Fold Fold
® SM ®
Perf Capital One No Hassle Miles Visa Platinum Card Request Form 8288-3
Perf
To avoid delays, please provide all information requested. Please print clearly in black or blue ink. O Co-Applicant First and Last Name (Having a co-applicant is optional, but if there is a co-applicant, this information must be provided.)
P
Offer Expires: Month XX, 2005
T Co-Applicant Social Security Number Co-Applicant Date of Birth
Social Security Number Date of Birth I – – M M D D Y Y
— — M M D D Y Y O Co-Applicant Address, if different from applicant (Please use residential address and not a P.O. Box.)
Home Phone N
— — A City State Zip
Total Annual Household Income (please see enclosed)4 Occupation L
$ ,
E-mail Address (not required)
Sign I (We) have read and agree to the Important Disclosures and Terms of Offer enclosed, including the provision relating to
Arbitration. If I (we) have completed the Transfer Request, I (we) have read and agree to the transfer information enclosed.
Here You are authorized to check my (our) credit and employment history.
Signature Date
M M D D Y Y
<F1> <F15F16F17> <F14> <F13>
Co-Applicant Signature (Both must sign if joint application.) Date <F1>
M M D D Y Y <F3>
Please cross out
<F2> and change name and
Please see the enclosed Important Disclosures <F4>, <F5> <F6>-<F7> address if necessary.
1897
for rate, fee and other cost information.
Capital One Competitive Comparison DM 12/22/04 PDF
20269_V_CR1_TicketHolder_F (Front)
flat size: 8.25” x 13.75” folded size: 8.25” x 4”

4. 20269_V_CR1_TicketHolder_F 12/22/04 5:20 PM Page 2
Frequently asked questions
about the Capital One No Hassle Miles Visa Platinum card ® SM ®
Q: Can the No HassleSM Miles card really help me fly free sooner?
A: Yes. It’s the only card that lets you redeem as little as 9,000 miles for a free flight — on any
airline, anytime. Other rewards cards require you to earn at least 20,000 miles before you can
redeem them for a plane ticket.
Q: Why is there such a big difference in how many miles you need to fly free?
A: To put it simply, we measure miles differently. Other cards base their free tickets on an
inflated number of miles — regardless of how much the ticket would actually cost. The No
HassleSM Miles card lets the actual price of the ticket determine how many miles you need
to redeem. So the lower the airfare, the fewer miles you need.
Fold Q: How can I determine how many miles I would need to fly free? Fold
A: It only takes 9,000 miles for a $100 ticket. Here are some examples of how many miles it takes
to fly free for other ticket prices.
Ticket price Miles required
$100 9,000
$170 15,300
$220 19,600
Q: How do I earn miles?
A: You automatically earn 1 mile for every dollar spent on purchases with your card. The more
you use your card, the more miles you earn.
Q: Can I redeem my miles for things other than free plane tickets?
Fold A: Yes. The No HassleSM Miles card lets you enjoy all kinds of rewards — cash back, brand name Fold
merchandise, hotel stays, car rentals, college savings … even charitable contributions. The
choice is always yours.
Q: What’s the fastest way to request my card?
A: You can get a response in as little as 60 seconds and transfers in as quick as 48 hours. Just use
the codes on the front of this letter and go online to www.getmycard.com.
Contingent upon the availability of airline fares of $100 or less, applies to only new and qualified applicants, and assumes your account is in good
standing. Certain restrictions may apply. Terms subject to change without notice.
Fold Fold
Perf M Pay off your other cards here M Perf
2.99% fixed APR
until January 2007 YS
E! I (We) want to transfer the following balance(s) immediately, and agree to receive the Privacy
Notice from Capital One® later along with other account information. Maximum total transfer
amount will be based on my (our) approved credit line. There is no fee for this service.
on balances transferred now
This transfer service is absolutely free.
Help us process your transfer requests faster by following these guidelines:
Card/Loan Issuer
Account Number
1
(1) You may request to transfer some or all of a given balance from another creditor. Minimum transfer is $50.
Specific Amount
(2) List the most important transfer first. to Pay $ , .
(3) For Card/Loan Issuer, list the financial institution (not MasterCard,® Visa® or yourself).
(4) Continue to make your payments on these accounts until the payment for the transferred amount appears Transfer additional balances and save even more.
on your other issuer’s statement.
(5) Sorry, transfers between Capital One accounts aren’t permitted.
Card/Loan Issuer
Account Number
2 Card/Loan Issuer
Account Number
3
Specific Amount Specific Amount
to Pay $ , . to Pay $ , .
Don’t forget! In addition to credit card balances you can also transfer balances from higher-rate loans—student loans, auto loans, etc.
If you would like to transfer more balances, please call 1-800-708-4644.
1898 8288-3
Capital One Competitive Comparison DM 12/22/04 PDF
20269_V_CR1_TicketHolder_F (Back)
flat size: 8.25” x 13.75” folded size: 8.25” x 4”

5. 20269_V_CR1_TicketHolder_LN 12/22/04 5:21 PM Page 1
Our Commitment
to You
Capital One® is dedicated to protecting your financial
rights. And we want to make sure you understand all
the Terms and Conditions of this offer. Please look
over the enclosed Capital One Disclosures brochure or
call our 24-hour customer service team at:
1-800-708-4644
You can also visit us at www.mycapitalonecard.com.
Capital One Competitive Comparison DM 12/22/04 PDF
20269_V_CR1_TicketHolder_LN (Front)
flat size: 4” x 3”