CAPITAL ONE FINANCIAL CORP

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

During the three months ended June 30, 2026, 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:

Ravi Raghu, our President, Capital One Software, entered into a pre-arranged stock trading plan on April 23, 2026. Mr. Raghu’s plan provides for the associated sale of up to 9,776 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 2, 2027.

Celia S. Karam, our President, Retail Bank, entered into a pre-arranged stock trading plan on May 14, 2026. Ms. Karam’s plan provides for the associated sale of up to 11,687.953 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 February 15, 2027.

Lia N. Dean, our President, Banking and Premium Products, entered into a pre-arranged stock trading plan on May 14, 2026. Ms. Dean’s plan provides for the associated sale of up to 13,170.313 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 February 15, 2027.

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.