Capital One Financial Corporation, incorporated on July 21, 1994, is a diversified banking business focused primarily on consumer and business lending and deposit origination. Its principal business segments are Local Banking and National Lending. Local Banking includes customer, small business and commercial deposits and lending conducted within its branch network. The National Lending segment consists of three sub-segments: the U.S. Card sub-segment, which consists of family consumer credit and debit card activities; the Auto Finance sub-segment, which includes automobile and other motor vehicle financing activities; and the Global Financial Services sub-segment consisting of global lending activities, small business lending, installment credits, home loans, healthcare financing and other diversified activities.