CAPITAL ONE FINANCIAL CORP

Rule 10b5-1 and Non-Rule 10b5-1 Trading Arrangements

During the three months ended December 31, 2025, certain of our directors and officers adopted orterminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K as follows:

Robert M. Alexander, our Chief Information Officer, entered into a pre-arranged stock trading plan on October 29, 2025. Mr. Alexander’s plan provides for the associated sale of up to 8,241 shares of Capital One common stock in amounts and prices set forth in the plan and terminates on the earlier of the date all shares under the plan are sold and October 23, 2026.

Neal Blinde, our President, Commercial Banking, entered into a pre-arranged stock trading plan on November 14, 2025. Mr. Blinde’s plan provides for the associated sale of up to 36,488 shares of Capital One common stock, in amounts and prices set forth in the plan and terminates on the earlier of the date all shares under the plan are sold and August 17, 2026.

Jason P. Hanson, our President, Global Payment Network, entered into a pre-arranged stock trading plan on November 14, 2025. Mr. Hanson’s plan provides for the associated sale of up to 11,937.89 shares of Capital One common stock, in amounts and prices set forth in the plan and terminates on the earlier of the date all shares under the plan are sold and May 27, 2026.

Mark Daniel Mouadeb, our President of Card, entered into a pre-arranged stock trading plan on November 14, 2025. Mr. Mouadeb’s plan provides for the associated sale of up to 7,832 shares of Capital One common stock in amounts and prices set forth in the plan and terminates on the earlier of the date all shares under the plan are sold and December 31, 2026.

Each of the trading plans was entered into during an open insider trading window and is intended to satisfy the affirmative defense of Rule 10b5-1(c) under the Exchange Act and Capital One’s policies regarding transactions in its securities.