b'Credit Card Agreement for VISA Signature\xc2\xae and World Mastercard\xc2\xae in\nCapital One Bank (USA), N.A.\nThere are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer\nAgreement. The Pricing Information shows a range of terms that includes both mail and online offers for new accounts\navailable under this Agreement as of June 30, 2021. The combination of terms that could apply to you will differ depending on\nthe specific card offer and on your creditworthiness at the time of application. Not all offers will contain introductory rates. The\nCustomer Agreement contains important information related to Visa Signature and World Mastercard consumer credit cards\nissued by Capital One Bank (USA), N.A. Please visit www.capitalone.com to view our online credit card offers. If you are a current\nCapital One cardholder, please log in to your account if you would like to request the Credit Card Agreement for your account(s).\nCAPITAL ONE PRICING INFORMATION\nAnnual Percentage Rate\n(APR) for Purchases\n\n0%, ranging from 9 months to 15 months.\nNon-introductory rates between 15.49% and 26.99%.\n\nIntroductory rate of\n\nThis APR will vary with the market based on the Prime Rate.\nAPR for Transfers\n\nIntroductory rate of 0% for 15 months.\nNon-introductory rates between 15.49% and 26.99%.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances Non-introductory rates between 23.99% and 26.99%.\nThis APR will vary with the market based on the Prime Rate.\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest\non new purchases, provided you have paid your previous balance in full by the due date each\nmonth. We will begin charging interest on cash advances and transfers on the transaction date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nAnnual Fee\n\nBetween $0 and $95 annually.\n\nTransaction Fees\n\xe2\x80\xa2 Transfer\n\n3% of the amount of each transferred balance that posts to your account at a promotional APR\nthat we may offer you.\nNone for balances transferred at the Transfer APR.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 3% of the amount of each cash advance, whichever is greater.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40.\n\nHow Do You Calculate My Balance? We use a method called \xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d See \xe2\x80\x9cHow\nDo You Calculate The Interest Charge?\xe2\x80\x9d section below.\nWhat Are My Billing Rights? Information on your rights to dispute transactions and how to exercise those rights is provided\nin \xe2\x80\x9cYour Billing Summary\xe2\x80\x9d on your Statement and other Truth-in-Lending Disclosures.\nTHINGS YOU SHOULD KNOW ABOUT THIS CARD\nHow Do You Calculate My Variable Rates? Your variable rates may change when the Prime Rate changes. We calculate\nvariable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December,\nMarch, June and September. If the Journal is not published on that day, then see the immediately preceding edition. Variable\nrates on the following segment(s) will be updated quarterly and will take effect on the first day of your January, April, July and\nOctober billing periods: Non-Introductory Purchase APR: Prime plus a margin between 12.24% and 23.74%; Non-Introductory\nTransfer APR: Prime plus a margin between 12.24% and 23.74%; Cash Advance APR: Prime plus a margin between 20.74%\nand 23.74%. Any increase in the Prime rate may increase your Interest Charges and your Minimum Payment.\nWhat Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Introductory Purchase\nAPR is 0.00000%, Non-introductory Purchase APR is between 0.04244% and 0.07395%, Introductory Transfer APR is\n0.00000%, Non-introductory Transfer APR is between 0.04244% and 0.07395%, and Cash Advance APR is between\n0.06573% and 0.07395%. See \xe2\x80\x9cHow Do You Calculate The Interest Charge?\xe2\x80\x9d section below.\nHow Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new transactions).\nUnder this method, we first calculate your daily balance; for each segment, 1) take the beginning balance and add in new\ntransactions and the periodic interest charge on the previous day\xe2\x80\x99s balance, then 2) subtract any payments and credits for that\nsegment as of that day. The result is the daily balance for each segment. However, if you paid your previous month\xe2\x80\x99s balance in\nfull (or if your balance was zero or a credit amount), new transactions which post to your purchase or special purchase segments\nare not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances.\n\n\x0cNext, to find your Average Daily Balance: 1) add the daily balances together for each segment, and 2) divide the sum by the\nnumber of days in the billing cycle.\nAt the end of each billing cycle, we determine your Interest Charge as follows: 1) multiply your Average Daily Balance by the daily\nperiodic rate (APR divided by 365) for that segment, and 2) multiply the result by the number of days in the billing period.\nNOTE: Due to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed.\n\n\xc2\xa9 2021 Capital One. Capital One is a federally registered service mark. All rights reserved. Products and services offered by\nCapital One Bank (USA), N.A. Capital One supports information privacy protection: see our website at www.capitalone.com.\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\nVISA is a registered trademark of VISA International Service Association and used under license.\n\n\x0cCapital One\xc2\xae Customer Agreement\nWelcome to Capital One\n\nWe may restrict or close your Account if we cannot verify\nyour information, or if you do not provide it as requested.\n\nThank you for opening a credit card account with us.\nThis Customer Agreement including any changes to it\n(\xe2\x80\x9cAgreement\xe2\x80\x9d) contains the terms of your agreement\nwith Capital One.\n\nYour Revolving Credit Line and Spending\nWe will tell you your initial revolving credit line when you\nopen your Account. We may increase or decrease your\nrevolving credit line at any time without prior notice to\nyou, unless notice is required by law, and we may limit\nor take away the credit available for Cash Advances.\nYou can find your current revolving credit line on\nyour Statement. We may not authorize transactions in\nexcess of your revolving credit line. We may consider\neach transaction that may cause you to exceed your\nrevolving credit line based on several factors, including\nyour performance on this Account and other credit\naccounts you have with us and your performance with\nother creditors. If we do authorize transactions in excess\nof your revolving credit line, they will be subject to this\nAgreement. They will not result in an increase of your\nrevolving credit line.\n\nDefinitions\nThe meanings of the terms you see in italics appear in\nthe Glossary section at the end of this Agreement.\nAs used here, \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each applicant\nand co-applicant for the Account; any person\nresponsible for paying the Account; and any person\nresponsible for complying with this Agreement. \xe2\x80\x9cWe,\xe2\x80\x9d\n\xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cCapital One\xe2\x80\x9d mean Capital One Bank\n(USA), National Association; and its agents, authorized\nrepresentatives, successors, and assignees.\n\nAccount Documents\nThe following documents govern your Account with us:\n(1) this Agreement;\n(2) all Statements;\n(3) any rewards program terms, conditions, and\ndisclosures;\n(4) any privacy notices;\n(5) your Card benefits brochure which describes\nbenefits provided by the Payment Card Network for\nyour Account;\n(6) all disclosures and materials provided to you before\nor when you opened your Account;\n(7) any other documents and disclosures relating to your\nAccount, including those provided online; and\n(8) any future changes we make to any of the above.\n\nUsing Your Account\n(1) This Agreement applies whether or not you use\nyour Card or Account. It will continue to apply even\nafter your Account is closed, as long as you have a\nbalance.\n(2) You must sign the Card immediately when you\nreceive it.\n(3) You must return the Card to us or destroy it if we ask\nyou to.\n(4) You must take reasonable steps to prevent the\nunauthorized use of your Card, Access Checks and\nAccount.\n(5) We may decline to authorize a transaction for any\nreason. This may occur even if the transaction would\nnot cause you to go over your revolving credit line or\nyour Account is not in default.\n(6) We are not responsible for any losses you incur if we\ndo not authorize a transaction.\n(7) We are not responsible for any losses you incur if\nanyone refuses to accept your Card for any reason.\n(8) Unless we tell you otherwise, we will bill each\ntransaction to the applicable Segment of your\nAccount. We will apply it against your available credit\nfor that Segment.\n(9) You may obtain Cash Advances and Transfers as\npermitted for your Account. You may not use these to\npay any amount you owe us or any other company in\nthe Capital One organization.\n(10) You must not use, or try to use, the Card for any\nillegal activity. You are responsible for any charges if\nyou do.\n(11) We are not liable for any losses that may result\nwhen our services are unavailable due to reasons\nbeyond our control.\n\nPlease read these carefully and keep them for\nfuture reference.\n\nNew Offers\nIn the future, we may provide you with new offers that\nwe think may interest you. The terms of these offers may\ndiffer from the standard terms on your Account. This\nAgreement will still apply.\n\nAccount Information\nWe need information about you to manage your\nAccount. This includes:\n(1) your legal name;\n(2) a valid U.S. mailing address and residential address\n(if different);\n(3) your date of birth;\n(4) your Social Security number or other government\nidentification number;\n(5) your telephone number(s); and\n(6) your employment and income information.\nYou must tell us when this information changes. We may\nask you for additional documents to verify any changes.\n1\n\n\x0cRewards\n\nbeen compromised for any reason, you must contact\nCustomer Service immediately.\n\nYour Account may provide you with the opportunity to\nearn rewards. If it does, we will separately provide you\nwith information and terms about the rewards.\n\nAuthorized Users\nIf you ask us to issue a Card to any other person,\nthey are an Authorized User. We may require certain\ninformation about them. We may limit their ability to use\nyour Card. They may have access to certain information\nabout your Account. You will be responsible for their use\nof the Account and anyone else they allow to use your\nAccount, even if you did not want, or agree to, that use.\n\nAccess Checks\nWe may provide you with Access Checks. If we do, we\nwill tell you at the time if we consider them purchases,\nCash Advances or Special Transfers.\nOnly the person we designate may use Access Checks.\nYou may not use them to pay any amount you owe us or\nany other company in the Capital One organization. We\nmay reject and not pay any Access Check if:\n\nRemoving an Authorized User\nIf you want to remove an Authorized User from your\nAccount, you must contact Customer Service and request\ntheir removal. You also must immediately destroy all\nCards in their possession and cancel any arrangements\nthey may have set up on your Account. They will be able\nto use your Account until you have notified us that you are\nremoving them from your Account. During this time, you\nwill still be responsible for all amounts they charge to your\nAccount. You will be responsible even if these amounts do\nnot appear on your Account until later.\n\n(1) your Account is past due, charged off, bankrupt, lost/\nstolen or closed;\n(2) we suspect fraud;\n(3) your Account is over the revolving credit line; or\n(4) the check has expired, is damaged or cannot\notherwise be processed.\nOur liability if we do not pay an Access Check will never\nbe more than (1) your actual damages or (2) the amount\nof the Access Check, whichever is less.\n\nAuthorized Users may remove themselves from your\nAccount upon request. We reserve the right to remove\nthem from your Account for any reason. To remove them\nfrom your Account, we may close your existing Account\nand issue a new Card with a new Account number.\n\nUse of an Access Check is not the same as using your\nCard. When you use an Access Check, you will have\nfewer rights to dispute merchant transactions than\nwith uses of your Card. Please see the \xe2\x80\x9cBilling Rights\nSummary\xe2\x80\x9d on your Statement and your other Truth-inLending Disclosures for more information.\n\nYour Promise to Pay\nYou promise to pay us all amounts due on your Account.\nThis includes amounts where you did not sign a purchase\nslip or other documents for the transaction. We will treat\ntransactions made without presenting your actual Card\n(such as for mail, telephone, Internet, or mobile device\npurchases) the same as if you used the Card in person. If\nyou let someone else use your Card, you are responsible\nfor all transactions that person makes.\n\nStopping Payment of Access Checks\nYou may request a stop payment on any Access Check\nby contacting Customer Service.\nWe will have a reasonable amount of time after your\nstop payment request to research and complete the\nstop payment. We will not be responsible if we cannot\ncomplete the stop payment. Reasons include:\n\nStatements\n\n(1) the Access Check was already paid;\n(2) you do not give us the information we asked for; or\n(3) the information you gave us was incorrect.\n\nWe will generally send or make available to you one\nStatement for all Cards on your Account at the end of\neach Billing Cycle. Under certain circumstances, the law\nmay not require us to send or make available to you a\nStatement, or may prohibit us from doing so.\n\nWe do not have to release the stop payment order unless\nthe account holder who made the request asks us to.\nIf we re-credit your Account after a valid stop payment\norder, you give us all of your rights against the payee or\nother holder of the paid Access Check. You also agree to\nhelp us in any legal action we may later take against the\npayee or other holder of the check.\n\nDisputed Transactions\nYou must inspect each Statement you receive. Tell us\nabout any errors or questions you have, as described\nin the \xe2\x80\x9cBilling Rights Summary\xe2\x80\x9d on your Statement and\nother Truth-in-Lending Disclosures. If you do not notify\nus of an error, we will assume that all information on the\nStatement is correct.\n\nUsing a PIN\nWe may give you a personal identification number (PIN).\nFor security reasons, you may have to provide the PIN\nbefore you are able to use your Card.\n\nIf we credit your Account for all or part of a disputed\ntransaction, you give us all of your rights against others\nregarding that transaction. You will also:\n\nKeep your PIN secure. Do not write it down, give it\nto anyone, or keep it with your Card. If you lose your\nCard or believe the confidentiality of your PIN has\n\n(1) give us any information about the disputed\ntransaction, if we ask;\n2\n\n\x0cReturned Payment Fee\n\n(2) not pursue any claim or reimbursement of the\ntransaction amount from the merchant or any other\nperson; and\n(3) help us get reimbursement from others.\n\nWe may charge you this Fee each time your financial\ninstitution for any reason rejects a payment you make to us.\n\nStop Payment Fee\n\nNo Warranties\n\nWe may charge you this Fee each time you ask us to\n(1) stop payment on an Access Check or (2) renew an\nexisting stop payment order.\n\nWe are not responsible for any claim you may have\nregarding the purchase of goods or services made with\nyour Card beyond your rights described in the \xe2\x80\x9cBilling\nRights Summary\xe2\x80\x9d on your Statement.\n\nCash Advance Fee\nWe may charge you this Fee each time you take out a\nCash Advance. We will treat this Fee as a Cash Advance\ntransaction.\n\nLost or Stolen Card\nIf your Card is lost or stolen or if you think someone else\nmay be using your Card or Account number without your\npermission, you must contact Customer Service immediately.\nYou will not be responsible for transactions on your Account\nthat we find are unauthorized.\n\nTransfer Fee\nWe may charge you this Fee each time you make a\nTransfer. We will charge the Fee to the same Segment\nwhere we post the Transfer.\n\nIf we reimburse you for unauthorized transactions, you\nwill help us investigate, pursue and get reimbursement\nfrom the wrongdoer. Your help includes giving us\ndocuments in a form that we request.\n\nTransactions Made in Foreign Currencies\nIf you make a transaction in a foreign currency, the\nPayment Card Network will convert it into a U.S. dollar\namount. The Payment Card Network will use its own\ncurrency conversion procedures. The conversion rate\nin effect on the processing date may differ from the rate\nin effect on the transaction date that appears on your\nStatement. We do not adjust the currency exchange rate\nor charge any currency conversion Fees.\n\nInterest Charges and Fees\nWe will charge Interest Charges and Fees to your Account\nas disclosed on your Statement and other Truth-inLending Disclosures. In general, Interest Charges begin\nto accrue from the day a transaction occurs. However,\nwe will not charge you interest on any new transactions\nposted to the purchase Segment of your Account if\nyou paid the total balance across all Segments of your\nAccount in full by the due date on your Statement each\nmonth. From time to time, we may give you offers that\nallow you to pay less than the total balance and avoid\nInterest Charges on new purchase Segment transactions.\nIf we do, we will provide details in the specific offer.\n\nMinimum Payment\nYou must pay us at least the minimum payment amount\nby the payment due date. Your Statement will tell you:\n(1) the minimum payment due,\n(2) your new balance,\n(3) the payment due date, and\n(4) an explanation of when the payment must reach us\nfor us to consider it received as of that date.\n\nWe will generally treat Fees as purchase transactions\nunless otherwise specified below. These Fees apply to\nyour Account only if your Truth-in-Lending Disclosures\nprovide for them. We may increase your Interest Charges\nand Fees as described in the Changes to Your Agreement\nsection or in your Truth-in-Lending Disclosures.\n\nReturns and other credits to your Account will reduce\nyour Account balance, but they will not change your\nminimum payment amount.\nIn addition to the minimum payment, you may pay\nall or part of the total balance on your Account. But,\nyou must still pay at least the minimum payment\namount each month, even if you paid more than the\nminimum payment due on the previous Statement. We\nwill continue to charge Interest Charges during Billing\nCycles when you carry a balance regardless of whether\nyour Statement includes a minimum payment that is\ndue. If your Account is 180 days past due, is part of a\nbankruptcy proceeding or is otherwise charged off, the\ntotal balance is immediately due and payable.\n\nMembership Fee\nIf your Account has a membership Fee, we may charge\nthe first membership Fee either on the day you activate\nyour Card or on the day when you use your Account,\nwhichever occurs first. If your Account terms include a\n$0 introductory Fee, we may charge the first Fee when\nthe introductory period ends. If it is an annual Fee, we\nmay then charge it approximately once per year. If it is a\nmonthly Fee, we may charge it each Billing Cycle.\n\nLate Payment Fee\n\nMaking Payments\n\nWe may charge you this Fee if we do not receive\nyour payment as instructed on your Statement by the\npayment due date.\n\nYour payment must be made in U.S. dollars from a U.S.\ndeposit account in a form acceptable to us. We do not\naccept cash payments through the mail. You may not\nmake payments with funds from your Account or any\n3\n\n\x0cItems with Restrictive Words, Conditions,\nor Instructions\n\nother credit account with us or any other company in\nthe Capital One organization. You must send mailed\npayments to us as instructed on your Statement, unless\nwe tell you otherwise.\n\nYou must mail all Items bearing restrictive words,\nconditions, limitations, or special instructions to:\n\nOther Payment Services\n\nCapital One\nPO Box 1330\nCharlotte, NC 28201-1330\n\nWe may make services available that allow you to make\nfaster or recurring payments online or by telephone. We\nwill describe the terms for using these services and any\napplicable Fee before you use them. You do not have to\nuse these other payment services.\n\nThis includes Items marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or similar\nlanguage. This also includes all accompanying\ncommunications.\n\nWe are not responsible if your financial institution rejects\na payment made using our payment services.\n\nIf you make such a payment or send any accompanying\ncommunications to any other address, we may reject it\nand return it to you. We may also accept it and process\nit without losing any of our rights.\n\nIf you ask someone else to make a payment for you,\nwe may provide that person with limited Account\ninformation necessary to set up and process that\npayment. We may also refuse to accept that payment. If\nwe do accept it, you will be responsible for that payment\neven if a financial institution rejects it.\n\nCredit Balances\nWe may reject and return any payment that creates or adds\nto a credit balance on your Account. Any credit balance\nwe allow will not be available until we confirm that your\npayment has cleared. We may reduce the amount of any\ncredit balance by any new charges. You may write to the\naddress provided on your Statement or call Customer\nService to request a refund of any available credit balance.\n\nPayment Processing\nWe may accept and process payments without losing\nany of our rights. We may delay the availability of\ncredit until we confirm that your payment has cleared.\nThis may happen even if we credit your payment to\nyour Account. We may resubmit and collect returned\npayments electronically. If necessary, we may adjust\nyour Account to correct errors, process returned and\nreversed payments, and handle similar issues.\n\nAccount Default\nYou will be in default if:\n(1) you do not make any payment when it is due;\n(2) any payment you make is rejected, not paid or\ncannot be processed;\n(3) you file or become the subject of a bankruptcy or\ninsolvency proceeding;\n(4) you are unable or unwilling to repay your obligations,\nincluding upon death or legally declared incapacity;\n(5) we determine that you made a false, incomplete or\nmisleading statement to us, or you otherwise tried to\ndefraud us;\n(6) you do not comply with any term of this Agreement\nor any other agreement with us; or\n(7) you permanently reside outside the United States.\n\nWhen you send us an Item as payment, you authorize\nus to make a one-time electronic fund transfer from\nyour deposit account. You also authorize us to process\nthe payment as an Item. We may withdraw the funds\nfrom your deposit account as early as the same day\nwe receive your payment. You will not receive your\nItem back from your bank. We will provide additional\ninformation about this process on your Statement.\nWe may use the information from an Item to create an\nelectronic image. We may collect and return the image\nelectronically. This electronic image may also be converted\nto a substitute check and may be processed in the same\nway we would process an Item. We will not be responsible\nif an Item you provide has physical features that when\nimaged result in it not being processed as you intended.\n\nIf you are in default, we may take certain actions with\nrespect to your Account. For example, depending on the\ndefault, we may take the following actions, without notifying\nyou, unless the law says that we must give you notice:\n(1) charge you Fees, or change the APRs and Fees on your\nAccount, if provided in your Truth-in-Lending Disclosures;\n(2) close or suspend your Account;\n(3) lower your revolving credit line;\n(4) demand that you immediately pay the total balance\nowing on your Account;\n(5) continue to charge you Interest Charges and Fees as\nlong as your balance remains outstanding; and/or\n(6) file a lawsuit against you, or pursue another action that\nis not prohibited by law. If we file a lawsuit, you agree to\npay our court costs, expenses and attorney fees, unless\nthe law does not allow us to collect these amounts.\n\nHow We Apply Your Payments\nYour Account may have Segments with different Annual\nPercentage Rates (APR). For example, purchases may\nhave a lower APR than Cash Advances. If your Account\nhas Segment balances with different APRs, here is how\nwe apply payments in a Billing Cycle:\n(1) We generally apply credits and payments up to\nyour minimum payment first to the balance with the\nlowest APR, and then to balances with higher APRs.\n(2) We apply any part of your payment exceeding your\nminimum payment to the balance with the highest\nAPR, and then to balances with lower APRs.\n4\n\n\x0cCommunications\n\nWaiver\n\nYou agree that we may communicate with you by mail,\ntelephone, email, fax, prerecorded message, automated\nvoice, text message or other means allowed by law\nregarding your Account.\n\nWe will not lose any of our rights if we delay or choose\nnot to take any action for any reason. We may waive our\nright without notifying you. For example, we may waive\nyour Interest Charges or Fees without notifying you and\nwithout losing our right to charge them in the future.\n\nYou agree that we may contact you at any telephone number\n(including a mobile telephone number that you provide us),\nand use an automated telephone dialing system or similar\ndevice to do so. You agree that we may monitor or record\nany conversation or other communication with you.\n\nAssignment\nThis Agreement will be binding on, and benefit, any of\nyour and our successors and assigns. You may not sell,\nassign or transfer your Account or this Agreement to\nsomeone else without our written permission.\n\nCredit Reports\nWe may report information about your Account to credit\nbureaus and others. Late payments, missed payments,\nor other defaults on your Account may be reflected in\nyour credit report. Information we provide may appear\non your and the Authorized Users\xe2\x80\x99 credit reports.\n\nWe may sell, assign or transfer your Account and this\nAgreement without your permission and without prior\nnotice to you. Any assignee or assignees will take our\nplace under this Agreement. You must pay them and\nperform all of your obligations to them and not us. If you\npay us after we notify you that we have transferred your\nAccount or this Agreement, we can return the payment\nto you, forward the payment to the assignee, or handle it\nin another way that is reasonable.\n\nIf you believe that we have reported inaccurate\ninformation about your Account to a credit bureau or\nother consumer reporting agency, notify us in writing at\nPO Box 30281, Salt Lake City, UT 84130-0281. When\nyou write, tell us the specific information that you believe\nis incorrect and why you believe it is incorrect.\n\nGlossary\n\xe2\x80\xa2\xe2\x80\x9cAccess Check\xe2\x80\x9d means any check we send to you to\naccess credit from your Account. We may also refer\nto an Access Check as a \xe2\x80\x9cconvenience check\xe2\x80\x9d or a\n\xe2\x80\x9cpurchase check\xe2\x80\x9d.\n\nWe may obtain and use credit, income and other information\nabout you from credit bureaus and others as the law allows.\n\nClosing or Suspending Your Account\n\n\xe2\x80\xa2\xe2\x80\x9cAccount\xe2\x80\x9d means your Card Account with us.\n\nYou may contact Customer Service to ask us to close\nyour Account.\n\n\xe2\x80\xa2\xe2\x80\x9cAuthorized User\xe2\x80\x9d means a person who may use the\nCard, but is not responsible for the repayment of the\nAccount.\n\nWe may close or suspend your Account at any time and for\nany reason permitted by law, even if you are not in default.\n\n\xe2\x80\xa2\xe2\x80\x9cBalance Transfer\xe2\x80\x9d means a Transfer posted to the\npurchase Segment of your Account unless otherwise\ndescribed in your Truth-in-Lending Disclosures.\n\nIf we close or suspend your Account for any reason,\nyou must stop using your Card. You must also cancel all\nbilling arrangements set up on the Account. If we close\nor permanently suspend your Account, you must return\nor destroy all Cards. You must still pay us all amounts\nyou owe on the Account.\n\n\xe2\x80\xa2\xe2\x80\x9cBilling Cycle\xe2\x80\x9d means the period of time reflected on\na Statement. This period may vary in length, but is\napproximately 30 days. You will have a Billing Cycle\neven if a Statement is not required. We will often\nspecify a Billing Cycle by the month in which its closing\ndate occurs. For example, a \xe2\x80\x9cMarch Billing Cycle\xe2\x80\x9d will\nhave a closing date in March. We may also refer to\na Billing Cycle as a \xe2\x80\x9cBilling Period\xe2\x80\x9d. If your Account\nbalance has charged off, we may switch to quarterly\nBilling Cycles for your Account.\n\nChanges to Your Agreement\nAt any time, we may add, delete or change any term of\nthis Agreement, unless the law prohibits us from doing\nso. We will give you notice of any changes as required\nby law. We may notify you of changes on your Statement\nor in a separate notice. Our notice will tell you when and\nhow the changes will take effect. The notice will describe\nany rights you have in connection with the changes.\n\n\xe2\x80\xa2\xe2\x80\x9cCard\xe2\x80\x9d means any Capital One credit card associated\nwith your Account. This includes all renewals and\nsubstitutions. It also means any other access device\nfor your Account we give you that allows you to obtain\ncredit, including any Account number.\n\nYour variable APRs (if applicable) can go up or down as the\nindex for the rate goes up or down. If we increase your APRs\nfor any other reason, or if we change your Fees or other\nterms of your Account, we will notify you as required by law.\n\n\xe2\x80\xa2\xe2\x80\x9cCash Advance\xe2\x80\x9d means a loan in cash or things we\nconsider cash equivalents, including wire transfers,\ntravelers\xe2\x80\x99 checks, money orders, foreign currency,\nlottery tickets, gaming chips, and wagers. We post\nCash Advances to the Cash Advance Segment of your\nAccount and not to your purchase Segment.\n\nThe Law That Applies to Your Agreement\nWe make decisions to grant credit and issue you a Card\nfrom our offices in Virginia. This Agreement is governed\nby applicable federal law and by Virginia law. If any part\nof this Agreement is unenforceable, the remaining parts\nwill remain in effect.\n\n5\n\n\x0c\xe2\x80\xa2\xe2\x80\x9cSpecial Transfer\xe2\x80\x9d means a Transfer posted to a\nSegment of your Account that is not your purchase\nSegment or Cash Advance Segment.\n\n\xe2\x80\xa2\xe2\x80\x9cFees\xe2\x80\x9d means charges imposed on your Account not\nbased on the Annual Percentage Rates.\n\xe2\x80\xa2\xe2\x80\x9cInterest Charges\xe2\x80\x9d means any charges to your Account\nbased on the application of Annual Percentage Rates.\n\n\xe2\x80\xa2\xe2\x80\x9cStatement\xe2\x80\x9d means a document showing important\nAccount information, including all transactions billed to\nyour Account during a Billing Cycle and information about\nwhat you must pay. We may also refer to your Statement\nas a \xe2\x80\x9cPeriodic Statement\xe2\x80\x9d or a \xe2\x80\x9cBilling Statement\xe2\x80\x9d.\n\n\xe2\x80\xa2\xe2\x80\x9cItem\xe2\x80\x9d means a check, draft, money order or other\nnegotiable instrument you use to pay your Account.\nThis includes any image of these instruments. This\ndoes not include an Access Check.\n\n\xe2\x80\xa2\xe2\x80\x9cTransfers\xe2\x80\x9d means amounts transferred from other\naccounts to this Account and includes Balance\nTransfers and Special Transfers.\n\n\xe2\x80\xa2\xe2\x80\x9cPayment Card Network\xe2\x80\x9d means the network provider\ndisplayed on your Card. This may be Visa Inc.,\nMasterCard International Incorporated, or any other\nnetwork provider.\n\n\xe2\x80\xa2\xe2\x80\x9cTruth-in-Lending Disclosures\xe2\x80\x9d means disclosures that\nthe federal Truth in Lending Act and Regulation Z\nrequire for any Account. This includes your application\nand solicitation disclosures, Account opening\ndisclosures, subsequent disclosures, Statements, and\nchange in terms notices.\n\n\xe2\x80\xa2\xe2\x80\x9cSegments\xe2\x80\x9d means the different parts of your Account\nwe may establish that are subject to unique APRs,\npricing, or other terms. We create these parts of your\nAccount for such things as your purchases, Balance\nTransfers, Cash Advances and Special Transfers.\nThe sum of your Segment balances equals your total\nAccount balance.\n\n\xc2\xa9 2014 Capital One\nCapital One is a federally registered service mark.\nAll rights reserved.\n\nBR281639\n\nM-112856\n\n6\n\nCOF Customer Agreement 058\n\n\x0c'


b'APPLICATION & SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Low Rate\n\n0.00%\n\nIntroductory APR for a period of six billing cycles.\n\n16.24% , based on your\nAfter that, your APR will be 9.24%\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nto\n\nVisa Platinum\n\n0.00%\n\nIntroductory APR for a period of six billing cycles.\n\n11.24% to 16.24%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Signature\n\n0.00%\n\nIntroductory APR for a period of six billing cycles.\n\n16.24% , based on your\nAfter that, your APR will be 12.24%\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nto\n\nVisa Secured/Student\n\nN/A\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, your APR will be\nbased on the Prime Rate.\n\n14.24%. This APR will vary with the market\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00902328-MXC10-C-1-051920 (MXC101-E)\n\n\x0cAPR for Balance Transfers\n\nVisa Low Rate\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 9.24% to 16.24% , based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 11.24% to 16.24% , based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Signature\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 12.24% to 16.24% , based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Secured/Student\nN/A\nIntroductory APR for a period of six billing cycles.\n\nAPR for Cash Advances\n\nAfter that, your APR will be 14.24%. This APR will vary with the market\nbased on the Prime Rate.\nVisa Low Rate\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 9.24% to 16.24% , based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 11.24% to 16.24% , based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Signature\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 12.24% to 16.24% , based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Secured/Student\nN/A\nIntroductory APR for a period of six billing cycles.\nAfter that, your APR will be 14.24%. This APR will vary with the market\nbased on the Prime Rate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00902328-MXC10-C-1-051920 (MXC101-E)\n\n\x0cPenalty APR and When it Applies\n\nVisa Low Rate\nNone\nVisa Platinum\nNone\nVisa Signature\nNone\nVisa Secured/Student\nNone\n\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nAnnual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nIf you are charged interest, the charge will be no less than $0.50.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\nNone\nNone\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\nNone\nUp to $27.00\nUp to $27.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your\naccount during the first six months following the opening of your account.\nMinimum Interest Charge:\nThe minimum interest charge will be charged on any dollar amount.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: August 1, 2020\ninformation may have changed after that date. To find out what may have changed, contact the Credit Union.\n\n. This\n\nFor California Borrowers, the Visa Low Rate, Visa Platinum, Visa Signature and Visa Secured/Student are\nsecured credit cards. Credit extended under this credit card account is secured by various personal property and\nmoney including, but not limited to: (a) any goods you purchase with this account, (b) any shares you\nspecifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any\nindividual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any\nother account that would lose special tax treatment under state or federal law, and (d) collateral securing other\nloans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and\nagree that during any periods when you are a covered borrower under the Military Lending Act your credit card\nwill be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in\nany individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i)\nyou establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered\nborrower.\nOther Fees & Disclosures:\nLate Payment Fee\n\nReturned Payment Fee\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n$27.00 or the amount of the required minimum payment, whichever is less, if you fail to\nmake your required minimum payment by the final calendar day of the month in which\nyour payment is due.\n$27.00 or the amount of the required minimum payment, whichever is less.\n\n00902328-MXC10-C-1-051920 (MXC101-E)\n\n\x0c'


b'pril\n\n59\n\n- 24.99%\n\nHow Long Will the Penalty APR Apply?\n\n9\n\n\x0c\x0c'