Capital One Financial : ShareBuilder 401k Celebrates Small Business Week with Third Annual No Set-Up Fee Promotion from May 2 through May 15

Businesses Can Save Up to $750 and Support Employees in Saving for Retirement

SEATTLE - May 2, 2016 - ShareBuilder 401k, a low-cost, all-ETF 401(k) plan provider, will waive set-up costs for all new 401(k) plans established between now and May 15, 2016 - helping small businesses kick-start retirement planning, benefit from tax credits and deductions, and provide their employees an important benefit. Bysigning up onlinethrough May 15, businesses can save $150-$750 and help get themselves and their employees on the path to long-term retirement planning and savings.

401(k) plans can help small business owners build a retirement nest egg, reduce personal and business taxes and recruit and incentivize employees. Despite the valuable benefits, Capital One's latestSpark Business Barometer[1]found only 13 percent of small businesses currently offer a retirement plan - down 5 percentage points from a year ago. Only seven percent of businesses with five or fewer employees are offering a retirement plan, compared to 30 percent of those employing 20 to 49 people. 'Our research shows many small business owners believe they're too small to have a plan, or that starting and maintaining a 401(k) plan would be very costly,' said Stuart Robertson, president of ShareBuilder 401k. 'We're focused on helping small business owners understand how straightforward, accessible and affordable a 401(k) plan can be. Any business of any size - including owner-only - can establish a plan and they aren't required to make matching contributions.'

The benefits of offering a 401(k) plan include:

· Save for retirement while lowering personal taxes- 401(k) plans allow owners and employees to maximize their tax-deferred contributions, lowering their annual personal tax burden. Owners and employees can invest up to the $18,000 2016 maximum or $24,000 if they are 50 or older. · Lower business taxes- If a company offers matching contributions or profit sharing, these costs are tax-deductible as are administrative expenses. · Access tax credits- Businesses that start a plan and have fewer than 100 employees may qualify for tax credits of up to $500 per year for the first three years of the plan to offset set-up and administrative costs. (This credit is not available for Individual 401(k) plans). · Incentivize employees, increase the likelihood of retaining the best workers and attract top talent- Offering an employer-sponsored 401(k) plan can be an effective way to help attract and retain the best talent. In fact, Capital One Investing's Financial Freedom survey found four in five (83 percent) Americans think companies of all sizes should be required to offer their employees retirement savings plans.

To be eligible for the free setup of a ShareBuilder 401k plan, business owners or plan fiduciaries must purchase an Individual, Safe Harbor, Traditional or an Advanced Profit Sharing 401(k) plan throughwww.ShareBuilder401k.comby May 15, 2016. From start to finish, the online sign-up may take less than five minutes to complete. Only one offer applies per customer.

Since 2005, ShareBuilder 401k has made all of its pricing readily available on its website, and the company began advocating for an industry benchmark of less than one percent for 'all-in' employee-paid fees in 2007. ShareBuilder 401k is not a fund provider and takes an unbiased approach in the evaluation and selection of funds with a focus on low-expense, index based investments from the leading ETF providers such as Vanguard, iShares, SPDR and PowerShares to create a powerful line-up from which participants can choose, including five model portfolios. Capital One Advisors (ShareBuilder 401k's investment manager) also serves as the investment manager role (ERISA 3(38) fiduciary) for employers, which helps reduce employer liability as a fiduciary and saves employers the time of regularly reviewing investment options that are made available to employees.

About Small Business Week
Since 1963, the United States Small Business Administration has designated one week each year to recognize the critical contributions on America's entrepreneurs and small business owners. More than half of Americans either own or work for a small business and, according to the SBA, create about two out of every three new jobs in the U.S. each year. More details on SBA's Small Business Week can be viewed online at www.sba.gov.nsbw/nsbw

About ShareBuilder 401k
ShareBuilder 401k (the marketing name for Capital One Advisors) provides streamlined, cost-efficient 401(k) retirement plans for any size business, serving clients that include the self-employed to those with over 10,000 employees. ShareBuilder 401k offers a suite of easy to access services that make it simple for employers and employees to open and manage their retirement plans online atwww.sharebuilder401k.com.

ShareBuilder 401k plans provide low-cost investments and model portfolios that make it easy for employees to select investments to help them get on track with their retirement goals. Plan sponsors can also take advantage of ShareBuilder 401k customer success managers and customer care agents to receive assistance in choosing and managing their retirement benefits.

Securities and services are: Not FDIC insured Not bank guaranteed May lose value Not a deposit Not Insured by any Federal Government Agency

You should carefully consider information contained in the fund's prospectus, including investment objectives, risks, charges and expenses. For a prospectus containing this and other important information, please visit the fund's detailed quote page or contact us. Please read the prospectus carefully before investing.

ShareBuilder 401k plans range from 27% to 68% less than the industry average at various data points from $50K plan with 6 participant to a $100M plan with 2,000 participants based on 401k Averages Book 2015 Data and Custom Benchmarking report prepared for Capital One Advisors. Cost comparisons are based on plan assets and number of participants and reflect core on‐going 401(k) plan expenses that a company and/or its employees can expect to incur as a percentage of assets with most any 401(k) plan. This includes administration, recordkeeping, tax filing prep documents, plan testing, fund expense ratios, and other investment costs passed on to every participant to service the plan. It does not include

unique employee initiated transactions such as loans, distributions or employer transactions such as plan amendments. ShareBuilder401K pricing is based off standard pricing rates for our typical Safe Harbor 401(k).

First time buyers may be eligible to receive up to $1,500 in tax credits over 3 years

If you start a 401(k), and it's the first for your company, you may qualify for a tax credit of up to

$500 for each of the first three years of your plan to offset setup and administration charges for

the plan. Here's how it works. Your business must have had 100 or fewer employees who received at least $5,000 in compensation from you for the preceding year and at least one participant who is a non‐highly compensated employee. The tax credit is equal to 50% of administration and set up charges for your 401(k) with a cap of $500. Please see your tax advisor for information on whether this credit applies to your specific circumstances.

ShareBuilder 401k is a marketing name for Capital One Advisors, LLC.

Securities are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRA/SIPC. Advisory services are provided by Capital One Advisors, LLC, an SEC-registered investment advisor. Insurance products are offered through Capital One Agency LLC. All are subsidiaries of Capital One Financial Corporation.

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