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Capital One Financial Corporation is a holding  company  whose  subsidiaries  provide a variety  of  products  and services to  consumers.  The  principal  subsidiaries  are Capital One Bank (the "Bank"),  which  offers  credit card  products whose main business is issuing Visa and MasterCards,  and Capital  One,  F.S.B.  (the "Savings Bank"),  which provides certain consumer lending and deposit  services.
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