Your Credit Line Has Been Increased!

Dear Gerald R Nemec,

Good news! The credit line on your Capital Onec card has been
increased to $15,000.00*. This additional credit is available for you to
use right now!

Take advantage of your credit line increase to purchase a new
computer or to go on vacation. Or, consider the Capital One Smart
Switch(SM) program, which lets you transfer balances from your
higher-interest-rate credit and charge cards to your Capital One
account at your current Fixed?9.9% APR!

Check out our Balance Transfer Calculator to see how much you
can save!

Why Smart Switch?
Smart Switch is a smart move because you could save hundreds of
dollars in interest every year by transferring higher-interest-rate
balances. Plus, it lets you write just one check at bill-paying time
-- and there's no transfer fee! Why pay more interest than you have
to? Make the switch by calling 1-800-955-7070 today!

It's Our Way of Saying "Thanks"
We hope you enjoy the extra financial flexibility your new credit
line provides. It's our way of saying thanks for being a Preferred
Capital One cardholder.

Sincerely,

P. Schnall
Senior Vice President, Capital One

P.S. Now it's easier than ever to get the things you want or need.
Take advantage of your increased line of credit today!

_____________________________________________________________________
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Financial Corporation. All rights reserved. , 2001 Capital One
Financial Corporation. E010605

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