�
 
     Credit Card Agreement for VISA Signature  
                         �             �
     and World MasterCard  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. Not all offers will contain introductory rates. ? 
     The Customer Agreement contains important information related to Visa Signature and World MasterCard 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   Introductory rate of 0%, ranging from 9 to 12 months.
      (APR) for Purchases  Non-introductory rates between 12.24% and 23.24%. 
                      Some Purchase APRs may vary with the market based on changes in the Prime Rate. 
      APR for Transfers  Introductory rate of 0%, ranging from 9 to 12 months.
                      Non-introductory rates between 12.24% and 23.24%. 
                      Some Transfer APRs may vary with the market based on changes in the Prime Rate. 
      APR for Cash Advances  Non-introductory rate of 23.24%. 
                      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      Between $0 and $59 annually. 
      Transaction Fees 
      � Transfer Fee  3% of the amount of each transfer. 
      � 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. 

     Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late payment.
	
                            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 

    rates 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 a margin between 8.74% and 19.74%.

    Non-introductory Transfer APR - Prime plus a margin between 8.74% and 19.74%.

    Cash Advance APR - Prime plus 19.74%.

    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 Introductory Purchase
 ? 
    APR would be 0%, Non-introductory Purchase APR would be between 0.03353% and 0.06367%, Introductory Transfer APR
 ?  ?  ? 
    would be 0%, Non-introductory Transfer APR between 0.03353% and 0.06367%, and Cash Advance APR would be 0.06367%.
	
     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) first 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 first 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 find 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 Bank (USA), N.A. Capital One supports information privacy protection: see our website at www.capitalone.com.    
     MasterCard is a registered trademark of MasterCard International Incorporated. Visa and Visa Signature are registered  
     trademarks of Visa International Service Association and used under license. 
              �
      Capital One  Customer Agreement 
       Welcome to Capital One                We may restrict or close your Account if we cannot verify 
                                             your information, or if you do not provide it as requested. 
      Thank you for opening a credit card account with us. 
      This Customer Agreement including any changes to it 
                                             Your Revolving Credit Line and Spending 
      (�Agreement�) contains the terms of your agreement 
                                             We will tell you your initial revolving credit line when you 
      with Capital One. 
                                             open your Account. We may increase or decrease your 
      De?nitions                             revolving credit line at any time without prior notice to 
                                             you, unless notice is required by law, and we may limit 
      The meanings of the terms you see in italics appear in 
                                             or take away the credit available for Cash Advances. 
      the Glossary section at the end of this Agreement. 
                                             You can ?nd your current revolving credit line on 
      As used here, �you� and �your� mean each applicant   your Statement. We may not authorize transactions in 
      and co-applicant for the Account; any person   excess of your revolving credit line. We may consider 
      responsible for paying the Account; and any person   each transaction that may cause you to exceed your 
      responsible for complying with this Agreement. �We,�   revolving credit line based on several factors, including 
      �us,� �our,� and �Capital One� mean Capital One Bank   your performance on this Account and other credit 
      (USA), National Association; and its agents, authorized   accounts you have with us and your performance with 
      representatives, successors, and assignees.   other creditors. If we do authorize transactions in excess 
                                             of your revolving credit line, they will be subject to this 
      Account Documents 
                                             Agreement. They will not result in an increase of your 
      The following documents govern your Account with us: 
                                             revolving credit line. 
      (1) this Agreement; 
                                             Using Your Account 
      (2) all Statements; 
                                             (1) This Agreement applies whether or not you use   
      (3) any rewards program terms, conditions, and   
                                               your Card or Account. It will continue to apply even 
         disclosures; 
                                               after your Account is closed, as long as you have a 
      (4) any privacy notices; 
                                               balance. 
      (5)   your  Card bene?ts brochure which describes   
                                             (2) You must sign the Card immediately when you   
         bene?ts provided by the Payment Card Network for 
                                               receive it. 
         your Account; 
                                             (3) You must return the Card to us or destroy it if we ask   
      (6) all disclosures and materials provided to you before   
                                               you to. 
         or when you opened your Account; 
                                             (4) You must take reasonable steps to prevent the   
      (7) any other documents and disclosures relating to your   
                                               unauthorized use of your Card, Access Checks and 
         Account, including those provided online; and 
                                               Account. 
      (8) any future changes we make to any of the above.   
                                             (5) We may decline to authorize a transaction for any   
      Please read these carefully and keep them for   
                                               reason. This may occur even if the transaction would 
      future reference. 
                                               not cause you to go over your revolving credit line or 
                                               your Account is not in default. 
      New Offers 
                                             (6) We are not responsible for any losses you incur if we   
      In the future, we may provide you with new offers that 
                                               do not authorize a transaction. 
      we think may interest you. The terms of these offers may 
                                             (7) We are not responsible for any losses you incur if   
      differ from the standard terms on your Account. This 
                                               anyone refuses to accept your Card for any reason. 
      Agreement will still apply. 
                                             (8) Unless we tell you otherwise, we will bill each   
      Account Information                      transaction to the applicable Segment of your 
                                               Account. We will apply it against your available credit 
      We need information about you to manage your 
                                               for that Segment. 
      Account. This includes: 
                                             (9) You may obtain Cash Advances and Transfers as   
      (1) your legal name;                     permitted for your Account. You may not use these to 
      (2) a valid U.S. mailing address and residential address     pay any amount you owe us or any other company in 
         (if different);                       the Capital One organization. 
      (3) your date of birth;                (10) You must not use, or try to use, the Card for any   
      (4) your Social Security number or other government     illegal activity. You are responsible for any charges if 
         identi?cation number;                  you do. 
      (5) your telephone number(s); and      (11) We are not liable for any losses that may result   
      (6) your employment and income information.   when our services are unavailable due to reasons 
                                                beyond our control. 
      You must tell us when this information changes. We may 
      ask you for additional documents to verify any changes. 
                                            1 
      Rewards                                been compromised for any reason, you must contact 
                                             Customer Service immediately. 
      Your Account may provide you with the opportunity to 
      earn rewards. If it does, we will separately provide you 
                                             Authorized Users 
      with information and terms about the rewards. 
                                             If you ask us to issue a Card to any other person, 
      Access Checks                          they are an Authorized User. We may require certain 
                                             information about them. We may limit their ability to use 
      We may provide you with Access Checks. If we do, we 
                                             your Card. They may have access to certain information 
      will tell you at the time if we consider them purchases, 
                                             about your Account. You will be responsible for their use 
      Cash Advances or Special Transfers. 
                                             of the Account and anyone else they allow to use your 
      Only the person we designate may use Access Checks.   Account, even if you did not want, or agree to, that use. 
      You may not use them to pay any amount you owe us or 
                                             Removing an Authorized User 
      any other company in the Capital One organization. We 
      may reject and not pay any Access Check if:   If you want to remove an Authorized User from your   
                                             Account, you must contact Customer Service and request   
      (1)   your  Account is past due, charged off, bankrupt, lost/   
                                             their removal. You also must immediately destroy all   
         stolen or closed; 
                                             Cards in their possession and cancel any arrangements   
      (2) we suspect fraud; 
                                             they may have set up on your Account. They will be able   
      (3) your Account is over the revolving credit line; or 
                                             to use your Account until you have noti?ed us that you are   
      (4) the check has expired, is damaged or cannot   
                                             removing them from your Account. During this time, you   
         otherwise be processed. 
                                             will still be responsible for all amounts they charge to your   
      Our liability if we do not pay an Access Check will never   Account. You will be responsible even if these amounts do   
      be more than (1) your actual damages or (2) the amount   not appear on your Account until later.   
      of the Access Check, whichever is less. 
                                             Authorized Users may remove themselves from your 
      Use of an Access Check is not the same as using your   Account upon request. We reserve the right to remove 
      Card. When you use an Access Check, you will have   them from your Account for any reason. To remove them 
      fewer rights to dispute merchant transactions than   from your Account, we may close your existing Account   
      with uses of your Card. Please see the �Billing Rights   and issue a new Card with a new Account number. 
      Summary� on your Statement and your other Truth-in-
                                             Your Promise to Pay 
      Lending Disclosures for more information. 
                                             You promise to pay us all amounts due on your Account. 
      Stopping Payment of Access Checks      This includes amounts where you did not sign a purchase   
      You may request a stop payment on any Access Check     slip or other documents for the transaction. We will treat   
      by contacting Customer Service.        transactions made without presenting your actual Card   
                                             (such as for mail, telephone, Internet, or mobile device   
      We will have a reasonable amount of time after your 
                                             purchases) the same as if you used the Card in person. If   
      stop payment request to research and complete the 
                                             you let someone else use your Card, you are responsible   
      stop payment. We will not be responsible if we cannot 
                                             for all transactions that person makes.   
      complete the stop payment. Reasons include: 
                                             Statements 
      (1) the Access Check was already paid; 
                                             We will generally send or make available to you one 
      (2) you do not give us the information we asked for; or   
                                             Statement for all Cards on your Account at the end of 
      (3) the information you gave us was incorrect. 
                                             each Billing Cycle. Under certain circumstances, the law 
      We do not have to release the stop payment order unless   may not require us to send or make available to you a 
      the account holder who made the request asks us to.   Statement, or may prohibit us from doing so. 
      If we re-credit your Account after a valid stop payment 
      order, you give us all of your rights against the payee or   Disputed Transactions 
      other holder of the paid Access Check. You also agree to   You must inspect each Statement you receive. Tell us 
      help us in any legal action we may later take against the   about any errors or questions you have, as described 
      payee or other holder of the check.    in the �Billing Rights Summary� on your Statement and 
                                             other Truth-in-Lending Disclosures. If you do not notify 
      Using a PIN 
                                             us of an error, we will assume that all information on the 
      We may give you a personal identi?cation number (PIN).   Statement is correct. 
      For security reasons, you may have to provide the PIN 
                                             If we credit your Account for all or part of a disputed 
      before you are able to use your Card. 
                                             transaction, you give us all of your rights against others 
      Keep your PIN secure. Do not write it down, give it   regarding that transaction. You will also: 
      to anyone, or keep it with your Card. If you lose your 
                                             (1) give us any information about the disputed   
      Card or believe the con?dentiality of your PIN has 
                                               transaction, if we ask; 
                                            2 
      (2) not pursue any claim or reimbursement of the    Returned Payment Fee 
         transaction amount from the merchant or any other 
                                             We may charge you this Fee each time your ?nancial   
         person; and 
                                             institution for any reason rejects a payment you make to us. 
      (3) help us get reimbursement from others. 
                                             Stop Payment Fee 
      No Warranties 
                                             We may charge you this Fee each time you ask us to 
      We are not responsible for any claim you may have 
                                             (1) stop payment on an Access Check or (2) renew an 
      regarding the purchase of goods or services made with 
                                             existing stop payment order. 
      your Card beyond your rights described in the �Billing 
      Rights Summary� on your Statement.     Cash Advance Fee 
                                             We may charge you this Fee each time you take out a 
      Lost or Stolen Card 
                                             Cash Advance. We will treat this Fee as a Cash Advance   
      If your Card is lost or stolen or if you think someone else   
                                             transaction. 
      may be using your Card or Account number without your   
      permission, you must contact Customer Service immediately.     Transfer Fee 
      You will not be responsible for transactions on your Account     We may charge you this Fee each time you make a 
      that we ?nd are unauthorized.          Transfer. We will charge the Fee to the same Segment   
                                             where we post the Transfer. 
      If we reimburse you for unauthorized transactions, you 
      will help us investigate, pursue and get reimbursement 
                                             Transactions Made in Foreign Currencies 
      from the wrongdoer. Your help includes giving us 
                                             If you make a transaction in a foreign currency, the 
      documents in a form that we request. 
                                             Payment Card Network will convert it into a U.S. dollar 
      Interest Charges and Fees              amount. The Payment Card Network will use its own 
                                             currency conversion procedures. The conversion rate 
      We will charge Interest Charges and Fees to your Account   
                                             in effect on the processing date may differ from the rate 
      as disclosed on your Statement and other Truth-in-
                                             in effect on the transaction date that appears on your 
      Lending Disclosures. In general, Interest Charges begin   
                                             Statement. We do not adjust the currency exchange rate 
      to accrue from the day a transaction occurs. However,   
                                             or charge any currency conversion Fees. 
      we will not charge you interest on any new transactions   
      posted to the purchase Segment of your Account if   
                                             Minimum Payment 
      you paid the total balance across all Segments of your   
                                             You must pay us at least the minimum payment amount 
      Account in full by the due date on your Statement each   
                                             by the payment due date. Your Statement will tell you: 
      month. From time to time, we may give you offers that   
      allow you to pay less than the total balance and avoid     (1) the minimum payment due, 
      Interest Charges on new purchase Segment transactions.     (2) your new balance, 
      If we do, we will provide details in the speci?c offer.   (3) the payment due date, and 
                                             (4) an explanation of when the payment must reach us   
      We will generally treat Fees as purchase transactions 
                                               for us to consider it received as of that date. 
      unless otherwise speci?ed below. These Fees apply to 
      your Account only if your Truth-in-Lending Disclosures     Returns and other credits to your Account will reduce 
      provide for them. We may increase your Interest Charges     your Account balance, but they will not change your 
      and Fees as described in the Changes to Your Agreement     minimum payment amount. 
      section or in your Truth-in-Lending Disclosures. 
                                             In addition to the minimum payment, you may pay 
      Membership Fee                         all or part of the total balance on your Account. But, 
                                             you must still pay at least the minimum payment 
      If your Account has a membership Fee, we may charge 
                                             amount each month, even if you paid more than the 
      the ?rst membership Fee either on the day you activate 
                                             minimum payment due on the previous Statement. We 
      your Card or on the day when you use your Account, 
                                             will continue to charge Interest Charges during Billing 
      whichever occurs ?rst. If your Account terms include a 
                                             Cycles when you carry a balance regardless of whether 
      $0 introductory Fee, we may charge the ?rst Fee when 
                                             your Statement includes a minimum payment that is 
      the introductory period ends. If it is an annual Fee, we 
                                             due. If your Account is 180 days past due, is part of a 
      may then charge it approximately once per year. If it is a 
                                             bankruptcy proceeding or is otherwise charged off, the 
      monthly Fee, we may charge it each Billing Cycle. 
                                             total balance is immediately due and payable. 
      Late Payment Fee 
                                             Making Payments 
      We may charge you this Fee if we do not receive 
                                             Your payment must be made in U.S. dollars from a U.S. 
      your payment as instructed on your Statement by the 
                                             deposit account in a form acceptable to us. We do not 
      payment due date. 
                                             accept cash payments through the mail. You may not 
                                             make payments with funds from your Account or any 
                                            3 
      other credit account with us or any other company in   Items with Restrictive Words, Conditions,   
      the Capital One organization. You must send mailed 
                                             or Instructions 
      payments to us as instructed on your Statement, unless 
                                             You must mail all Items bearing restrictive words, 
      we tell you otherwise. 
                                             conditions, limitations, or special instructions to: 
      Other Payment Services 
                                             Capital One   
      We may make services available that allow you to make   PO Box 1330   
      faster or recurring payments online or by telephone. We   Charlotte, NC 28201-1330 
      will describe the terms for using these services and any 
                                             This includes Items marked �Paid in Full� or similar 
      applicable Fee before you use them. You do not have to 
                                             language. This also includes all accompanying 
      use these other payment services. 
                                             communications. 
      We are not responsible if your ?nancial institution rejects 
                                             If you make such a payment or send any accompanying 
      a payment made using our payment services. 
                                             communications to any other address, we may reject it 
      If you ask someone else to make a payment for you,   and return it to you. We may also accept it and process 
      we may provide that person with limited Account     it without losing any of our rights. 
      information necessary to set up and process that 
      payment. We may also refuse to accept that payment. If   Credit Balances 
      we do accept it, you will be responsible for that payment   We may reject and return any payment that creates or adds   
      even if a ?nancial institution rejects it.   to a credit balance on your Account. Any credit balance   
                                             we allow will not be available until we con?rm that your   
      Payment Processing 
                                             payment has cleared. We may reduce the amount of any   
      We may accept and process payments without losing   credit balance by any new charges. You may write to the   
      any of our rights. We may delay the availability of   address provided on your Statement or call Customer   
      credit until we con?rm that your payment has cleared.   Service to request a refund of any available credit balance. 
      This may happen even if we credit your payment to 
      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 
                                             (1) you do not make any payment when it is due; 
      reversed payments, and handle similar issues. 
                                             (2) any payment you make is rejected, not paid or   
      When you send us an Item as payment, you authorize   cannot be processed; 
      us to make a one-time electronic fund transfer from   (3) you ?le or become the subject of a bankruptcy or   
      your deposit account. You also authorize us to process   insolvency proceeding; 
      the payment as an Item. We may withdraw the funds   (4) you are unable or unwilling to repay your obligations,   
      from your deposit account as early as the same day   including upon death or legally declared incapacity; 
      we receive your payment. You will not receive your   (5) we determine that you made a false, incomplete or   
      Item back from your bank. We will provide additional   misleading statement to us, or you otherwise tried to 
      information about this process on your Statement.   defraud us; 
                                             (6) you do not comply with any term of this Agreement   
      We may use the information from an Item to create an   
                                               or any other agreement with us; or 
      electronic image. We may collect and return the image   
                                             (7) you permanently reside outside the United States.   
      electronically. This electronic image may also be converted   
      to a substitute check and may be processed in the same     If you are in default, we may take certain actions with   
      way we would process an Item. We will not be responsible     respect to your Account. For example, depending on the   
      if an Item you provide has physical features that when     default, we may take the following actions, without notifying   
      imaged result in it not being processed as you intended.     you, unless the law says that we must give you notice:   
      How We Apply Your Payments             (1) charge you Fees, or change the APRs and Fees on your    
                                               Account, if provided in your Truth-in-Lending Disclosures; 
      Your Account may have Segments with different Annual 
                                             (2) close or suspend your Account; 
      Percentage Rates (APR). For example, purchases may 
                                             (3) lower your revolving credit line; 
      have a lower APR than Cash Advances. If your Account   
                                             (4) demand that you immediately pay the total balance   
      has Segment balances with different APRs, here is how 
                                               owing on your Account; 
      we apply payments in a Billing Cycle: 
                                             (5) continue to charge you Interest Charges and Fees as   
      (1) We generally apply credits and payments up to     long as your balance remains outstanding; and/or 
         your minimum payment ?rst to the balance with the   (6) ?le a lawsuit against you, or pursue another action that    
         lowest APR, and then to balances with higher APRs.   is not prohibited by law. If we ?le a lawsuit, you agree to   
      (2) We apply any part of your payment exceeding your     pay our court costs, expenses and attorney fees, unless   
         minimum payment to the balance with the highest   the law does not allow us to collect these amounts. 
         APR, and then to balances with lower APRs. 
                                            4 
      Communications  Waiver 
      You agree that we may communicate with you by mail,  We will not lose any of our rights if we delay or choose 
      telephone, email, fax, prerecorded message, automated   not to take any action for any reason. We may waive our 
      voice, text message or other means allowed by law   right without notifying you. For example, we may waive 
      regarding your Account.                your Interest Charges or Fees without notifying you and 
                                             without losing our right to charge them in the future. 
      You agree that we may contact you at any telephone number   
      (including a mobile telephone number that you provide us),     Assignment 
      and use an automated telephone dialing system or similar   
                                             This Agreement will be binding on, and bene?t, any of 
      device to do so. You agree that we may monitor or record   
                                             your and our successors and assigns. You may not sell, 
      any conversation or other communication with you.   
                                             assign or transfer your Account or this Agreement to 
                                             someone else without our written permission. 
      Credit Reports 
      We may report information about your Account to credit   We may sell, assign or transfer your Account and this 
      bureaus and others. Late payments, missed payments,   Agreement without your permission and without prior 
      or other defaults on your Account may be re?ected in   notice to you. Any assignee or assignees will take our 
      your credit report. Information we provide may appear   place under this Agreement. You must pay them and 
      on your and the Authorized Users� credit reports.   perform all of your obligations to them and not us. If you 
                                             pay us after we notify you that we have transferred your 
      If you believe that we have reported inaccurate 
                                             Account or this Agreement, we can return the payment 
      information about your Account to a credit bureau or 
                                             to you, forward the payment to the assignee, or handle it 
      other consumer reporting agency, notify us in writing at 
                                             in another way that is reasonable. 
      PO Box 30281, Salt Lake City, UT 84130-0281. When 
      you write, tell us the speci?c information that you believe   Glossary 
      is incorrect and why you believe it is incorrect. 
                                             ��Access Check� means any check we send to you to   
      We may obtain and use credit, income and other information     access credit from your Account. We may also refer 
      about you from credit bureaus and others as the law allows.     to an Access Check as a �convenience check� or a 
                                              �purchase check�. 
      Closing or Suspending Your Account 
                                             ��Account� means your Card Account with us.   
      You may contact Customer Service to ask us to close 
      your Account.                          ��Authorized User� means a person who may use the   
                                              Card, but is not responsible for the repayment of the 
      We may close or suspend your Account at any time and for   
                                              Account. 
      any reason permitted by law, even if you are not in default.   
                                             ��Balance Transfer� means a Transfer posted to the   
      If we close or suspend your Account for any reason, 
                                              purchase Segment of your Account unless otherwise 
      you must stop using your Card. You must also cancel all 
                                              described in your Truth-in-Lending Disclosures. 
      billing arrangements set up on the Account. If we close 
      or permanently suspend your Account, you must return   ��Billing Cycle� means the period of time re?ected on   
      or destroy all Cards. You must still pay us all amounts   a Statement. This period may vary in length, but is 
      you owe on the Account.                 approximately 30 days. You will have a Billing Cycle   
                                              even if a Statement is not required. We will often 
      Changes to Your Agreement 
                                              specify a Billing Cycle by the month in which its closing 
      At any time, we may add, delete or change any term of   date occurs. For example, a �March Billing Cycle� will 
      this Agreement, unless the law prohibits us from doing   have a closing date in March. We may also refer to 
      so. We will give you notice of any changes as required   a Billing Cycle as a �Billing Period�. If your Account   
      by law. We may notify you of changes on your Statement     balance has charged off, we may switch to quarterly 
      or in a separate notice. Our notice will tell you when and   Billing Cycles for your Account. 
      how the changes will take effect. The notice will describe 
                                             ��Card� means any Capital One credit card associated   
      any rights you have in connection with the changes. 
                                              with your Account. This includes all renewals and 
      Your variable APRs (if applicable) can go up or down as the     substitutions. It also means any other access device 
      index for the rate goes up or down. If we increase your APRs     for your Account we give you that allows you to obtain 
      for any other reason, or if we change your Fees or other     credit, including any Account number. 
      terms of your Account, we will notify you as required by law. 
                                             ��Cash Advance� means a loan in cash or things we   
      The Law That Applies to Your Agreement   consider cash equivalents, including wire transfers, 
      We make decisions to grant credit and issue you a Card     travelers� checks, money orders, foreign currency, 
      from our of?ces in Virginia. This Agreement is governed   lottery tickets, gaming chips, and wagers. We post 
      by applicable federal law and by Virginia law. If any part   Cash Advances to the Cash Advance Segment of your 
      of this Agreement is unenforceable, the remaining parts   Account and not to your purchase Segment. 
      will remain in effect. 
                                            5 
      ��Fees� means charges imposed on your Account not     ��Special Transfer� means a Transfer posted to a   
       based on the Annual Percentage Rates.   Segment of your Account that is not your purchase 
                                              Segment or Cash Advance Segment. 
      ��Interest  Charges� means any charges to your Account    
       based on the application of Annual Percentage Rates.   ��Statement� means a document showing important    
                                              Account information, including all transactions billed to   
      ��Item� means a check, draft, money order or other   
                                              your Account during a Billing Cycle and information about   
       negotiable instrument you use to pay your Account. 
                                              what you must pay. We may also refer to your Statement   
       This includes any image of these instruments. This 
                                              as a �Periodic Statement� or a �Billing Statement�. 
       does not include an Access Check. 
                                             ��Transfers� means amounts transferred from other   
      ��Payment Card Network� means the network provider   
                                              accounts to this Account and includes Balance 
       displayed on your Card. This may be Visa Inc., 
                                              Transfers and Special Transfers. 
       MasterCard International Incorporated, or any other 
       network provider.                     ��Truth-in-Lending Disclosures� means disclosures that   
                                              the federal Truth in Lending Act and Regulation Z 
      ��Segments� means the different parts of your Account    
                                              require for any Account. This includes your application 
       we may establish that are subject to unique APRs, 
                                              and solicitation disclosures, Account opening 
       pricing, or other terms. We create these parts of your 
                                              disclosures, subsequent disclosures, Statements, and 
       Account for such things as your purchases, Balance 
                                              change in terms notices. 
       Transfers, Cash Advances and Special Transfers. 
       The sum of your Segment balances equals your total 
       Account balance. 
                                       � 2014 Capital One
 
                                 Capital One is a federally registered service mark.
   
                                        All rights reserved.
 
      BR281639  M-112856                    6                      COF Customer Agreement 058