�
     Credit Card Agreement for Consumer Secured Cards in Capital One  Bank (USA), N.A. 
    There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer
     Agreement. The Pricing Information shows a range of terms that includes both mail and online offers for new accounts 
    available under this Agreement as of March 31, 2016. The combination of terms that could apply to you will differ depending on 
    the speci?c card offer and on your creditworthiness at the time of application. The Customer Agreement contains important
    information related to consumer credit cards issued by Capital One Bank (USA), N.A. Please visit www.capitalone.com to 
    view our online credit card offers. If you are a current Capital One cardholder, please log in to your account if you would like to 
    request the Credit Card Agreement for your account(s). 
      CAPITAL ONE PRICING INFORMATION 
      Annual Percentage Rate  Non-introductory rate of 24.99%. 
      (APR) for Purchases 
                      Purchase APRs may vary with the market based on changes in the Prime Rate. 
      APR for Transfers  Non-introductory rate of 24.99%. 
                      Transfer APRs may vary with the market based on changes in the Prime Rate. 
      APR for Cash Advances  Non-introductory rate of 24.99%. 
                      Cash Advance APRs may vary with the market based on changes in the Prime Rate. 
      Paying Interest  Your due date is at least 25 days after the close of each billing cycle. We will not charge 
                       interest on new purchases provided you have paid your previous balance in full by the due date
                       each month. We will begin charging interest on cash advances and special transfers on the 
                       transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $0.50. 
      Annual Fee      $0. 
      Transaction Fees 
     � Cash Advance Fee The greater of either $10 or 3% of the amount of each cash advance.
      � Foreign Transaction Fee  None. 
      Penalty Fees 
      � Late Payment   Up to $35.
     � Over-the-Credit-Limit $0. 
     How We Will Calculate Balances: We use a method called �average daily balance� (including new transactions). See How   
     Do You Calculate the Interest Charge? below for more details. 
                            THINGS YOU SHOULD KNOW ABOUT THIS CARD 
     Can You Change My Account Terms? We can change the terms of your account as permitted by law. When required, we will   
     send you notice before doing so. 
     How Do You Calculate Variable Rates? Variable rates may change when the Prime Rate changes. We calculate variable 
     rate by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of each month. If the
     Journal is not published on that day, then see the immediately preceding edition. If Prime changes, your new rate will take 
     effect on your next billing period. If your offer discloses a variable rate that changes quarterly, your new rate will take effect on 
    the ?rst day of your January, April, July, and October billing periods. 

    If the APR associated with an offer is variable, the APR will equal:

    Non-Introductory Purchase APR - Prime plus 21.49%.

    Non-Introductory Transfer APR - Prime plus 21.49%.

    Cash Advance APR - Prime plus 21.49%.

    Any increase in the Prime rate may increase your Interest Charges and your Minimum Payment.
	
     What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Non-introductory  
    Purchase APR would be 0.06847%, Non-introductory Transfer APR would be 0.06847%, and Cash Advance APR would   
    be 0.06847%. 
     How Can I Avoid Paying Interest Charges? If you pay your statement�s �New Balance� in full by the due date, we will not 
     charge interest on any new transactions that post to the Purchase balance. If you have been paying your account in full with
     no interest charges, but then you do not pay your next �New Balance� in full, we will charge interest on the portion of the
     balance that you did not pay. For cash advances and special transfers, we will start charging interest on the transaction date. 
     How Is The Interest Charge Applied? Interest charges accrue from the 1) date of the transaction, 2) date the transaction
    is processed, or 3) ?rst calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in
     full. This means you may owe interest charges even if you pay the entire �New Balance� one month, but did not do so for the 
     previous month. Unpaid interest charges are added to the proper segment of your account. However, we reserve the right to 
     not assess interest charges at any time. 
     How Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new transactions). 
    Under this method, we ?rst calculate your daily balance; for each segment, 1) take the beginning balance and add in new 
      transactions and the periodic interest charge on the previous day�s balance, then 2) subtract any payments and credits for 
      that segment as of that day. The result is the daily balance for each segment. However, if you paid your previous month�s 
      balance in full (or if your balance was zero or a credit amount), new transactions which post to your purchase or special
     purchase segments are not added to the daily balances. Also, transactions that are subject to a grace period are not 
      added to the daily balances. 
     Next, to ?nd your Average Daily Balance: 1) add the daily balances together for each segment, and 2) divide the sum by 
      the number of days in the billing cycle. 
     At the end of each billing cycle, we determine your Interest Charge as follows: 1) multiply your Average Daily Balance  
     by the daily periodic rate (APR divided by 365) for that segment, and 2) multiply the result by the number of days in the
     billing period. NOTE: Due to rounding or a minimum interest charge, this calculation may vary from the interest charge
      actually assessed. 
     � 2016 Capital One. Capital One is a federally registered service mark. All rights reserved. Products and services offered 
     by Capital One, N.A. Capital One supports information privacy protection: see our website at www.capitalone.com. 
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      Capital One  Customer Agreement 
       Welcome to Capital One               Credit Limits 
      Thank you for opening a credit card account with us.   When you open your Account, we will tell you your credit   
      This Customer Agreement including any changes to it   limits. These will also appear on your Statement. We may   
      (�Agreement�) contains the terms of your agreement   also refer to your credit limits as your credit lines. We may   
      with Capital One.                      give you different credit limits for the different Segments   
                                             of your Account. For example, you may have one credit   
      De?nitions 
                                             limit for purchases and a different one for Cash Advances. 
      The meanings of the terms you see in italics appear in 
                                             You are responsible for keeping track of your Segment   
      the Glossary section at the end of this Agreement. 
                                             balances and your available credit. You must manage 
      As used here, �you� and �your� mean each applicant 
                                             your Account to remain below your credit limits. We may 
      and co-applicant for the Account; any person 
                                             honor transactions above your credit limits, but if we do 
      responsible for paying the Account; and any person 
                                             these transactions will not increase your credit limit. You 
      responsible for complying with this Agreement. �We,� 
                                             are responsible for paying for any transaction you make 
      �us,� �our,� and �Capital One� mean Capital One Bank 
                                             above your credit limits. 
      (USA), National Association; and its agents, authorized 
                                             We may also increase, decrease, restrict or cancel your 
      representatives, successors, and assignees. 
                                             credit limit on any Segment at any time. This will not 
      Account Documents                      affect your obligation to pay us. 
      The following documents govern your Account with us: 
                                             Using Your Account 
      (1) this Agreement; 
                                             (1) This Agreement applies whether or not you use your    
      (2) all Statements; 
                                               Card or Account. It will continue to apply even after   
      (3) any rewards program terms, conditions, and disclosures;   
                                               your Account is closed, as long as you have a balance. 
      (4) any privacy notices; 
                                             (2) You must sign the Card immediately when you   
      (5)   your  Card bene?ts brochure which describes   
                                               receive it. 
         bene?ts provided by the Payment Card Network for 
                                             (3) You must return the Card to us or destroy it if we ask   
         your Account; 
                                               you to. 
      (6) all disclosures and materials provided to you before   
                                             (4) You must take reasonable steps to prevent the   
         or when you opened your Account; 
                                               unauthorized use of your Card, Access Checks and 
      (7) any other documents and disclosures relating to your   
                                               Account. 
         Account, including those provided online; and 
                                             (5) We may decline to authorize a transaction for any   
      (8) any future changes we make to any of the above.   
                                               reason. This may occur even if the transaction would 
      Please read these carefully and keep them for     not cause you to go over your credit limit or your 
      future reference.                        Account is not in default. 
                                             (6) We are not responsible for any losses you incur if we   
      New Offers 
                                               do not authorize a transaction. 
      In the future, we may provide you with new offers that   (7) We are not responsible for any losses you incur if   
      we think may interest you. The terms of these offers may   anyone refuses to accept your Card for any reason. 
      differ from the standard terms on your Account. This   (8) Unless we tell you otherwise, we will bill each   
      Agreement will still apply.              transaction to the applicable Segment of your 
                                               Account. We will apply it against your available credit 
      Account Information 
                                               for that Segment. 
      We need information about you to manage your 
                                             (9) You may obtain Cash Advances and Transfers as   
      Account. This includes: 
                                               permitted for your Account. You may not use these to 
      (1) your legal name;                     pay any amount you owe us or any other company in 
      (2) a valid U.S. mailing address and residential address     the Capital One organization. 
         (if different);                     (10) You must not use, or try to use, the Card for any   
      (3) your date of birth;                   illegal activity. You are responsible for any charges if 
      (4) your Social Security number or other government     you do. 
         identi?cation number;               (11) We are not liable for any losses that may result   
      (5) your telephone number(s); and         when our services are unavailable due to reasons 
      (6) your employment and income information.   beyond our control. 
      You must tell us when this information changes. We may   Rewards 
      ask you for additional documents to verify any changes. 
                                             Your Account may provide you with the opportunity to 
      We may restrict or close your Account if we cannot verify 
                                             earn rewards. If it does, we will separately provide you 
      your information, or if you do not provide it as requested. 
                                             with information and terms about the rewards. 
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      Access Checks                         your Card. They may have access to certain information 
                                             about your Account. You will be responsible for their use 
      We may provide you with Access Checks. If we do, we 
                                             of the Account and anyone else they allow to use your 
      will tell you at the time if we consider them purchases, 
                                             Account, even if you did not want, or agree to, that use. 
      Cash Advances or Special Transfers. 
      Only the person we designate may use Access Checks.   Removing an Authorized User 
      You may not use them to pay any amount you owe us or   If you want to remove an Authorized User from your   
      any other company in the Capital One organization. We   Account, you must contact Customer Service and request   
      may reject and not pay any Access Check if:   their removal. You also must immediately destroy all Cards   
                                             in their possession and cancel any arrangements they may   
      (1)     your  Account is past due, charged off, bankrupt, lost/ 
                                             have set up on your Account. They will be able to use your   
         stolen or closed; 
                                             Account until you have noti?ed us that you are removing   
      (2) we suspect fraud; 
                                             them from your Account. During this time, you will still be   
      (3) your Account is over the credit limit; or 
                                             responsible for all amounts they charge to your Account. You   
      (4) the check has expired, is damaged or cannot   
                                             will be responsible even if these amounts do not appear on   
         otherwise be processed. 
                                             your Account until later.   
      Our liability if we do not pay an Access Check will never 
                                             Authorized Users may remove themselves from your 
      be more than (1) your actual damages or (2) the amount 
                                             Account upon request. We reserve the right to remove 
      of the Access Check, whichever is less. 
                                             them from your Account for any reason. To remove them 
      Use of an Access Check is not the same as using your 
                                             from your Account, we may close your existing Account   
      Card. When you use an Access Check, you will have 
                                             and issue a new Card with a new Account number. 
      fewer rights to dispute merchant transactions than 
      with uses of your Card. Please see the �Billing Rights   Your Promise to Pay 
      Summary� on your Statement and your other Truth-in-  You promise to pay us all amounts due on your Account. 
      Lending Disclosures for more information.   This includes amounts where you did not sign a purchase   
                                             slip or other documents for the transaction. We will treat   
      Stopping Payment of Access Checks 
                                             transactions made without presenting your actual Card   
      You may request a stop payment on any Access Check   
                                             (such as for mail, telephone, Internet, or mobile device   
      by contacting contacting Customer Service. 
                                             purchases) the same as if you used the Card in person. If   
      We will have a reasonable amount of time after your   you let someone else use your Card, you are responsible   
      stop payment request to research and complete the   for all transactions that person makes.   
      stop payment. We will not be responsible if we cannot 
                                             Statements 
      complete the stop payment. Reasons include: 
                                             We will generally send or make available to you one 
      (1) the Access Check was already paid; 
                                             Statement for all Cards on your Account at the end of 
      (2) you do not give us the information we asked for; or   
                                             each Billing Cycle. Under certain circumstances, the law 
      (3) the information you gave us was incorrect. 
                                             may not require us to send or make available to you a 
      We do not have to release the stop payment order unless   Statement, or may prohibit us from doing so. 
      the account holder who made the request asks us to. 
                                             Disputed Transactions 
      If we re-credit your Account after a valid stop payment 
                                             You must inspect each Statement you receive. Tell us 
      order, you give us all of your rights against the payee or 
                                             about any errors or questions you have, as described 
      other holder of the paid Access Check. You also agree to 
                                             in the �Billing Rights Summary� on your Statement and 
      help us in any legal action we may later take against the 
                                             other Truth-in-Lending Disclosures. If you do not notify 
      payee or other holder of the check. 
                                             us of an error, we will assume that all information on the 
      Using a PIN                            Statement is correct. 
      We may give you a personal identi?cation number (PIN). 
                                             If we credit your Account for all or part of a disputed 
      For security reasons, you may have to provide the PIN 
                                             transaction, you give us all of your rights against others 
      before you are able to use your Card. 
                                             regarding that transaction. You will also: 
      Keep your PIN secure. Do not write it down, give it 
                                             (1) give us any information about the disputed   
      to anyone, or keep it with your Card. If you lose your 
                                               transaction, if we ask; 
      Card or believe the con?dentiality of your PIN has 
                                             (2) not pursue any claim or reimbursement of the   
      been compromised for any reason, you must contact 
                                               transaction amount from the merchant or any other 
      Customer Service immediately. 
                                               person; and 
                                             (3) help us get reimbursement from others. 
      Authorized Users 
      If you ask us to issue a Card to any other person,   No Warranties 
      they are an Authorized User. We may require certain 
                                             We are not responsible for any claim you may have 
      information about them. We may limit their ability to use 
                                             regarding the purchase of goods or services made with 
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       your Card beyond your rights described in the �Billing  Cash Advance. We will treat this Fee as a Cash Advance   
       Rights Summary� on your Statement.    transaction. 
      Lost or Stolen Card                    Transfer Fee 
      If your Card is lost or stolen or if you think someone else     We may charge you this Fee each time you make a 
      may be using your Card or Account number without your     Transfer. We will charge the Fee to the same Segment   
      permission, you must contact Customer Service immediately.     where we post the Transfer.   
      You will not be responsible for transactions on your Account   
                                             Transactions Made in Foreign Currencies 
      that we ?nd are unauthorized. 
                                             If you make a transaction in a foreign currency, the 
      If we reimburse you for unauthorized transactions, you 
                                             Payment Card Network will convert it into a U.S. dollar 
      will help us investigate, pursue and get reimbursement 
                                             amount. The Payment Card Network will use its own 
      from the wrongdoer. Your help includes giving us 
                                             currency conversion procedures. The conversion rate 
      documents in a form that we request. 
                                             in effect on the processing date may differ from the rate 
      Interest Charges and Fees              in effect on the transaction date that appears on your 
                                             Statement. We do not adjust the currency exchange rate 
      We will charge Interest Charges and Fees to your Account   
                                             or charge any currency conversion Fees. 
      as disclosed on your Statement and other Truth-in-Lending   
      Disclosures. In general, Interest Charges begin to accrue     Minimum Payment 
      from the day a transaction occurs. However, we will not   
                                             You must pay us at least the minimum payment amount 
      charge you interest on any new transactions posted to the   
                                             by the payment due date. Your Statement will tell you: 
      purchase Segment of your Account if you paid the total   
                                             (1) the minimum payment due, 
      balance across all Segments of your Account in full by   
                                             (2) your new balance, 
      the due date on your Statement each month. From time   
                                             (3) the payment due date, and 
      to time, we may give you offers that allow you to pay less   
                                             (4) an explanation of when the payment must reach us   
      than the total balance and avoid Interest Charges on new   
                                               for us to consider it received as of that date. 
      purchase Segment transactions. If we do, we will provide   
      details in the speci?c offer.          Returns and other credits to your Account will reduce 
                                             your Account balance, but they will not change your 
      We will generally treat Fees as purchase transactions 
                                             minimum payment amount. 
      unless otherwise speci?ed below. These Fees apply to 
      your Account only if your Truth-in-Lending Disclosures     In addition to the minimum payment, you may pay 
      provide for them. We may increase your Interest Charges     all or part of the total balance on your Account. But, 
      and Fees as described in the Changes to Your Agreement     you must still pay at least the minimum payment 
      section or in your Truth-in-Lending Disclosures.   amount each month, even if you paid more than the 
                                             minimum payment due on the previous Statement. We 
      Membership Fee 
                                             will continue to charge Interest Charges during Billing 
      If your Account has a membership Fee, we may charge 
                                             Cycles when you carry a balance regardless of whether 
      the ?rst membership Fee either on the day you activate 
                                             your Statement includes a minimum payment that is 
      your Card or on the day when you use your Account, 
                                             due. If your Account is 180 days past due, is part of a 
      whichever occurs ?rst. If your Account terms include a 
                                             bankruptcy proceeding or is otherwise charged off, the 
      $0 introductory Fee, we may charge the ?rst Fee when 
                                             total balance is immediately due and payable. 
      the introductory period ends. If it is an annual Fee, we 
      may then charge it approximately once per year. If it is a   Making Payments 
      monthly Fee, we may charge it each Billing Cycle.   Your payment must be made in U.S. dollars from a U.S. 
                                             deposit account in a form acceptable to us. We do not 
      Late Payment Fee 
                                             accept cash payments through the mail. You may not 
      We may charge you this Fee if we do not receive 
                                             make payments with funds from your Account or any 
      your payment as instructed on your Statement by the 
                                             other credit account with us or any other company in 
      payment due date. 
                                             the Capital One organization. You must send mailed 
      Returned Payment Fee                   payments to us as instructed on your Statement, unless 
                                             we tell you otherwise. 
      We may charge you this Fee each time your ?nancial   
      institution for any reason rejects a payment you make to us.   Other Payment Services 
      Stop Payment Fee                       We may make services available that allow you to make 
                                             faster or recurring payments online or by telephone. We 
      We may charge you this Fee each time you ask us to 
                                             will describe the terms for using these services and any 
      (1) stop payment on an Access Check or (2) renew an 
                                             applicable Fee before you use them. You do not have to 
      existing stop payment order. 
                                             use these other payment services. 
      Cash Advance Fee 
                                             We are not responsible if your ?nancial institution rejects 
      We may charge you this Fee each time you take out a 
                                             a payment made using our payment services. 
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       If you ask someone else to make a payment for you, we     and return it to you. We may also accept it and process 
       may provide that person with limited Account information     it without losing any of our rights. 
       necessary to set up and process that payment. We may   
                                             Credit Balances 
       also refuse to accept that payment. If we do accept it, you   
                                             We may reject and return any payment that creates or 
       will be responsible for that payment even if a ?nancial   
                                             adds to a credit balance on your Account. Any credit 
       institution rejects it.   
                                             balance we allow will not be available until we con?rm 
      Payment Processing                     that your payment has cleared. We may reduce the 
      We may accept and process payments without losing   amount of any credit balance by any new charges. You 
      any of our rights. We may delay the availability of   may write to the address provided on your Statement   
      credit until we con?rm that your payment has cleared.   or call Customer Service to request a refund of any 
      This may happen even if we credit your payment to   available credit balance. 
      your Account. We may resubmit and collect returned 
                                             Account Default 
      payments electronically. If necessary, we may adjust 
                                             You will be in default if: 
      your Account to correct errors, process returned and 
      reversed payments, and handle similar issues.   (1) you do not make any payment when it is due; 
      When you send us an Item as payment, you authorize us to     (2) any payment you make is rejected, not paid or   
      make a one-time electronic fund transfer from your deposit     cannot be processed; 
      account. You also authorize us to process the payment as an     (3) you exceed a credit limit; 
      Item. We may withdraw the funds from your deposit account     (4) you ?le or become the subject of a bankruptcy or   
      as early as the same day we receive your payment. You will     insolvency proceeding; 
      not receive your Item back from your bank. We will provide     (5) you are unable or unwilling to repay your obligations,   
      additional information about this process on your Statement.   including upon death or legally declared incapacity; 
                                             (6) we determine that you made a false, incomplete or   
      We may use the information from an Item to create 
                                               misleading statement to us, or you otherwise tried to 
      an electronic image. We may collect and return the 
                                               defraud us; 
      image electronically. This electronic image may also be 
                                             (7) you do not comply with any term of this Agreement   
      converted to a substitute check and may be processed 
                                               or any other agreement with us; 
      in the same way we would process an Item. We will 
                                             (8) you permanently reside outside the United States; or   
      not be responsible if an Item you provide has physical 
                                             (9) we receive a garnishment, attachment or other levy   
      features that when imaged result in it not being 
                                               upon the Security Account, or the Security Account 
      processed as you intended. 
                                               is subject to any other legal proceeding. 
      How We Apply Your Payments 
                                             If you are in default, we may take certain actions with   
      Your Account may have Segments with different Annual   respect to your Account. For example, depending on the   
      Percentage Rates (APR). For example, purchases may   default, we may take the following actions, without notifying   
      have a lower APR than Cash Advances. If your Account     you, unless the law says that we must give you notice:   
      has Segment balances with different APRs, here is how 
                                             (1) charge you Fees, or change the APRs and Fees on   
      we apply payments in a Billing Cycle: 
                                               your Account, if provided in your Truth-in-Lending 
      (1) We generally apply credits and payments up to     Disclosures; 
         your minimum payment ?rst to the balance with the   (2) close or suspend your Account; 
         lowest APR, and then to balances with higher APRs.   (3) lower your credit limit(s); 
      (2) We apply any part of your payment exceeding your     (4) demand that you immediately pay the total balance   
         minimum payment to the balance with the highest   owing on your Account; 
         APR, and then to balances with lower APRs.   (5) continue to charge you Interest Charges and Fees as   
                                               long as your balance remains outstanding; and/or 
      Items with Restrictive Words, Conditions,   
                                             (6) ?le a lawsuit against you, or pursue another action that    
      or Instructions 
                                               is not prohibited by law. If we ?le a lawsuit, you agree to   
      You must mail all Items bearing restrictive words,   pay our court costs, expenses and attorney fees, unless   
      conditions, limitations, or special instructions to:   the law does not allow us to collect these amounts. 
      Capital One   
                                             Communications 
      PO Box 1330   
                                             You agree that we may communicate with you by mail,   
      Charlotte, NC 28201-1330 
                                             telephone, email, fax, prerecorded message, automated   
      This includes Items marked �Paid in Full� or similar   voice, text message or other means allowed by law   
      language. This also includes all accompanying   regarding your Account. 
      communications. 
                                             You agree that we may contact you at any telephone number   
      If you make such a payment or send any accompanying   (including a mobile telephone number that you provide us),   
      communications to any other address, we may reject it   and use an automated telephone dialing system or similar   
                                            4 
       device to do so. You agree that we may monitor or record    Assignment 
       any conversation or other communication with you.   
                                             This Agreement will be binding on, and bene?t, any of 
      Credit Reports                         your and our successors and assigns. You may not sell, 
                                             assign or transfer your Account or this Agreement to 
      We may report information about your Account to credit 
                                             someone else without our written permission. 
      bureaus and others. Late payments, missed payments, 
      or other defaults on your Account may be re?ected in   We may sell, assign or transfer your Account and this 
      your credit report. Information we provide may appear   Agreement without your permission and without prior 
      on your and the Authorized Users� credit reports.   notice to you. Any assignee or assignees will take our 
                                             place under this Agreement. You must pay them and 
      If you believe that we have reported inaccurate 
                                             perform all of your obligations to them and not us. If you 
      information about your Account to a credit bureau or 
                                             pay us after we notify you that we have transferred your 
      other consumer reporting agency, notify us in writing at 
                                             Account or this Agreement, we can return the payment 
      PO Box 30281, Salt Lake City, UT 84130-0281. When 
                                             to you, forward the payment to the assignee, or handle it 
      you write, tell us the speci?c information that you believe 
                                             in another way that is reasonable. 
      is incorrect and why you believe it is incorrect. 
      We may obtain and use credit, income and other information     Security Agreement 
      about you from credit bureaus and others as the law allows.     You must provide a security deposit in U.S. dollars 
                                             from a U.S. deposit account (the �Funds�) to secure 
      Closing or Suspending Your Account 
                                             the obligations to us that you incur in connection with 
      You may contact Customer Service to ask us to close   your Account (�Obligations�). All Funds will be held in a 
      your Account.                          Security Account. We will maintain separate records of 
      We may close or suspend your Account at any time and for     your Security Account. The Security Account is insured 
      any reason permitted by law, even if you are not in default.     by the Federal Deposit Insurance Corporation (�FDIC�) 
                                             to the extent permitted by law. Subject to this Security 
      If we close or suspend your Account for any reason, 
                                             Agreement, you will be the bene?cial owner of the 
      you must stop using your Card. You must also cancel all 
                                             Security Account for purposes of FDIC insurance. We 
      billing arrangements set up on the Account. If we close 
                                             will not send statements for the Security Account. 
      or permanently suspend your Account, you must return 
      or destroy all Cards. You must still pay us all amounts   We may allow you to add additional Funds to the Security   
      you owe on the Account.                Account in order to grant an increase of your credit limit.   
                                             You may not withdraw Funds from the Security Account   
      Changes to Your Agreement 
                                             unless your Account is closed and paid to a $0 balance.   
      At any time, we may add, delete or change any term of 
                                             We will not pay interest on the Security Account, unless 
      this Agreement, unless the law prohibits us from doing 
                                             we tell you we will in the secured credit Card offer. If 
      so. We will give you notice of any changes as required 
                                             we do pay interest on the Security Account, it will be 
      by law. We may notify you of changes on your Statement   
                                             deposited to the Security Account as proceeds of the 
      or in a separate notice. Our notice will tell you when and 
                                             Funds to further secure the Obligations. 
      how the changes will take effect. The notice will describe 
      any rights you have in connection with the changes.   You grant to us, as of the date you deliver Funds to us, a   
                                             security interest in the Funds, any additions to the Funds,   
      Your variable APRs (if applicable) can go up or down as 
                                             any proceeds of the Funds and any interest on any of these   
      the index for the rate goes up or down. If we increase 
                                             (collectively the �Collateral�) to secure your performance   
      your APRs for any other reason, or if we change your 
                                             of the Obligations. You irrevocably and unconditionally   
      Fees or other terms of your Account, we will notify you 
                                             relinquish possession and control over the Collateral, and   
      as required by law. 
                                             you pledge and assign as security to us all of your right, title   
      The Law That Applies to Your Agreement   and interest in it. You must take any action we request to   
      We make decisions to grant credit and issue you a Card     perfect or protect our ?rst lien position security interest in   
      from our of?ces in Virginia. This Agreement is governed   the Collateral. You waive the bene?t of any homestead or   
      by applicable federal law and by Virginia law. If any part   other exemptions in the Collateral. 
      of this Agreement is unenforceable, the remaining parts   If (1) you are in default of any Obligation under the   
      will remain in effect.                 Customer Agreement; or (2) your Account is closed for any   
                                             reason, you authorize us to withdraw Collateral from the   
      Waiver 
                                             Security Account and apply such amounts to the Account   
      We will not lose any of our rights if we delay or choose 
                                             without sending you notice or demand for payment. We   
      not to take any action for any reason. We may waive our 
                                             may do this in addition to any other rights we have under   
      right without notifying you. For example, we may waive 
                                             the law or the Agreement. The application of Funds to your   
      your Interest Charges or Fees without notifying you and 
                                             Account will not change your minimum payment amount.   
      without losing our right to charge them in the future. 
                                             You are responsible for the repayment of any Obligation   
                                            5 
      that is not satis?ed by the application of Collateral. We may     ��Card� means any Capital One credit card associated   
      take up to 60 days to return any excess Collateral to you.   with your Account. This includes all renewals and 
                                              substitutions. It also means any other access device 
      Legal Proceedings. 
                                              for your Account we give you that allows you to obtain 
      (1) You represent that (a) there are no current lawsuits   
                                              credit, including any Account number. 
         or bankruptcy proceedings that might affect our 
         interest in the Collateral; and (b) You have not   ��Cash Advance� means a loan in cash or things we   
         and will not attempt to transfer any interest in the   consider cash equivalents, including wire transfers, 
         Collateral to any other person or offer the Collateral   travelers� checks, money orders, foreign currency, 
         as security for any other obligation.   lottery tickets, gaming chips, and wagers. We post 
      (2) If any other person seeks to attach the Collateral, for      Cash Advances to the Cash Advance Segment of your 
         example by legal garnishment, you agree that we may     Account and not to your purchase Segment. 
         deem the balance of the Account immediately payable     ��Fees� means charges imposed on your Account not   
         and apply the Collateral as payment of the Obligations.   based on the Annual Percentage Rates. 
      (3) If we must hire an attorney to defend or enforce our   
                                             ��Interest  Charges� means any charges to your Account    
         rights under this Security Agreement or to perform 
                                              based on the application of Annual Percentage Rates. 
         any legal services in connection with this Security 
         Agreement, You will pay our reasonable attorneys�   ��Item� means a check, draft, money order or other   
         fees and court costs, unless the law does not allow   negotiable instrument you use to pay your Account. 
         us to collect these amounts.         This includes any image of these instruments. This 
                                              does not include an Access Check. 
      If there is no activity with respect to your Account for 
      a prescribed period of time (generally ?ve years), the   ��Payment Card Network� means the network provider    
      Collateral may be presumed to have been abandoned   displayed on your Card. This may be Visa Inc.,   
      and will escheat to and become the property of the   MasterCard International Incorporated, or any other   
      Commonwealth of Virginia or another applicable state. If   network provider.   
      this happens, we will stop paying any interest on it. We 
                                             ��Segments� means the different parts of your Account we    
      will notify you if required by law prior to escheating any 
                                              may establish that are subject to unique APRs, pricing,   
      Collateral held under this Security Agreement. 
                                              or other terms. We create these parts of your Account   
      Glossary                                for such things as your purchases, Balance Transfers, 
                                              Cash Advances and Special Transfers. The sum of your   
      ��Access Check� means any check we send to you to   
                                              Segment balances equals your total Account balance. 
       access credit from your Account. We may also refer 
       to an Access Check as a �convenience check� or a   ��Special Transfer� means a Transfer posted to a   
       �purchase check�.                      Segment of your Account that is not your purchase 
                                              Segment or Cash Advance Segment. 
      ��Account� means your Card Account with us.   
                                             ��Statement� means a document showing important    
      ��Authorized User� means a person who may use the   
                                              Account information, including all transactions billed to   
       Card, but is not responsible for the repayment of the 
                                              your Account during a Billing Cycle and information about   
       Account. 
                                              what you must pay. We may also refer to your Statement   
      ��Balance Transfer� means a Transfer posted to the     as a �Periodic Statement� or a �Billing Statement�. 
       purchase Segment of your Account unless otherwise 
                                             ��Transfers� means amounts transferred from other   
       described in your Truth-in-Lending Disclosures.   
                                              accounts to this Account and includes Balance 
      ��Billing Cycle� means the period of time re?ected on      Transfers and Special Transfers. 
       a Statement. This period may vary in length, but is   
                                             ��Truth-in-Lending Disclosures� means disclosures that the    
       approximately 30 days. You will have a Billing Cycle even if   
                                              federal Truth in Lending Act and Regulation Z require for   
       a Statement is not required. We will often specify a Billing   
                                              any Account. This includes your application and solicitation   
       Cycle by the month in which its closing date occurs. For   
                                              disclosures, Account opening disclosures, subsequent   
       example, a �March Billing Cycle� will have a closing date   
                                              disclosures, Statements, and change in terms notices. 
       in March. We may also refer to a Billing Cycle as a �Billing   
       Period�. If your Account balance has charged off, we may    
       switch to quarterly Billing Cycles for your Account. 
                                       � 2014 Capital One
 
                                 Capital One is a federally registered service mark.
   
                                        All rights reserved.
 
       BR281642  M-112859                   6                      COF Customer Agreement 301