�
             Credit Card Agreement for Menards BIG Cards in Capital One,  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 September 30, 2020. The combination of terms that could apply to you may 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, N.A. 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  
                        24.99%. 
      (APR) for Purchases 
                         This APR will vary with the market based on the Prime Rate. 
      How to Avoid Paying   Your due date is at least 25 days after the close of each Billing Cycle. We will not charge you 
      Interest on Purchases   interest on new purchases, provided you have paid your previous balance in full by the due
                        date each month. 
      For Credit Card Tips from    To learn more about factors to consider when applying for or using a credit card,   
      the Consumer Financial     visit the website of the Consumer Financial Protection Bureau at   
      Protection Bureau   http://www.consumer?nance.gov/learnmore. 
      Annual Fee  None. 
      Penalty Fees 
      � Late Payment  Up to $40. 
     How Do You Calculate My Balance? We use a method called �average daily balance (including new transactions)�. See the 
     �How Do You Calculate the Interest Charge?� section. 
     What Are My Billing Rights? Information on your rights to dispute transactions and how to exercise those rights is provided
     in �Your Billing Rights Summary� on your Statement and other Truth-in-Lending Disclosures. 
                            THINGS YOU SHOULD KNOW ABOUT THIS CARD 
     How Do You Calculate My Variable Rates? Your variable rates may change each month if the Prime Rate changes. Until   
     October 5, 2020, we will calculate variable rates by adding a percentage to the Prime Rate published in The Wall Street 
     Journal that is in effect on the last day of each month. After October 5, 2020, we will calculate variable rates by adding a 
     percentage to the Prime Rate published in The Wall Street Journal that is in effect on the 25th day of each month. 
     If the Journal is not published on the applicable day, then we will use the immediately preceding edition. Any change in the 
     Prime Rate will take effect on the ?rst day of your Billing Cycle which begins in the next month: Purchase APR: Prime plus 
     21.74%. 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 Purchase APR is        
     0.06847%. See the �How Do You Calculate the Interest Charge?� section.        
     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 Credit Plan, we 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 Credit Plan as of that day. The result is the daily balance for each Credit Plan. However, if you paid your previous 
     month�s non-promotional purchases balance in full (or if your balance was zero or a credit amount), new transactions which 
     post to your purchase or special purchase Credit Plans are not added to the daily balances. Also, transactions subject to a 
     grace period are not added to the daily balances. 
     Next, to ?nd your Average Daily Balance we: 1) add the daily balances together for each Credit Plan, 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 each Credit Plan other than Same As Cash Credit Plans, and 2) multiply the result 
     by the number of days in the billing period. For Same As Cash Credit Plans, if interest is applied, the interest is accrued from 
     the transaction date of the purchase through the current Billing Cycle. The Interest Charge for Same as Cash Credit Plans is 
     the total of: 
      � the applicable daily periodic rate (APR divided by 365) for the current Billing Cycle times the daily balance for each day in  
       the current Billing Cycle; plus 
      � the applicable daily periodic rate for each prior Billing Cycle times the daily balances of the Credit Plan for each day during  
       each prior Billing Cycle. 
     We add the Interest Charges for all Credit Plans together. The result is your total Interest Charge for the Billing Cycle. 
     NOTE: Due to rounding or a minimum interest charge, this calculation may vary from the Interest Charge actually assessed. 
     � 2020 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. 
                � 
       Capital One   Customer Agreement 
      Welcome to Capital One                 Using Your Account
      This credit card is issued by Capital One, N.A. and may be   (1) This Agreement applies whether or not you use your   
      used at participating retail locations that accept the Card.   Card or Account. It will continue to apply even after your
      This Customer Agreement, including any changes to it   Account is closed, as long as you have a balance.
      (�Agreement�), contains the terms of your agreement with  (2) You must sign the Card immediately when you receive it.  
      Capital One.                           (3) You must return the Card to us or destroy it if we ask   
                                               you to.
      De?nitions     
                                             (4) You must take reasonable steps to prevent the   
      The meanings of the terms you see in italics appear in the  
                                               unauthorized use of your Card and Account. 
      Glossary section at the end of this Agreement. 
                                             (5) We may decline to authorize a transaction for any   
      As used here, �you� and �your� mean each applicant and  reason. This may occur even if the transaction would 
      co-applicant for the Account; any person responsible  not cause you to go over your credit limit or your
      for paying the Account; and any person responsible for  Account is not in default. 
      complying with this Agreement. �We�, �us�, �our� and   (6) We are not responsible for any losses you incur if we do   
      �Capital One� mean Capital One, National Association and   not authorize a transaction. 
      its agents, authorized representatives, successors and  (7) We are not responsible for any losses you incur if anyone   
      assignees.                               refuses to accept your Card for any reason.
                                             (8) You must not use, or try to use, the Card for any illegal  
      Account Documents 
                                               activity. You are responsible for any charges if you do.
      The following documents govern your Account with us: 
                                             (9) We are not liable for any losses that may result when   
      (1) this Agreement;                      our services are unavailable due to reasons beyond  
      (2)    all Statements;                   our control. 
      (3) any privacy notices;
                                             Promotional Credit Plans 
      (4) all disclosures and materials provided to you before or  
                                             From time to time, we may offer one or more promotional 
         when you opened your Account; 
                                             Credit Plans prior to or at the time of your purchase. Only 
      (5) any other documents and disclosures relating to your   
                                             certain purchases may be eligible for promotional Credit 
         Account, including those provided online; and
                                             Plans. These plans may have special repayment terms 
      (6) any future changes we make to any of the above.   
                                             and are conditioned on your timely payment of at least the 
      Please read these carefully and keep them for    required payment amount each Billing Cycle: 
      future reference. 
                                             (1) Waived Interest Charge Credit Plan - With this plan,  
      New Offers                               there are no Interest Charges on your purchase for a
      In the future, we may provide you with new offers that we   speci?ed period. 
      think may interest you. The terms of these offers may differ 
                                             (2) Same As Cash / Monthly Payment Credit Plan -   
      from the standard terms on your Account. This Agreement 
                                               With this plan, there are no Interest Charges on your
      will still apply. 
                                               purchase if you repay the full cash price of the purchase
      Account Information                      before the promotional expiration date shown on your
      We need information about you to manage your Account.   Statement. If you do not repay in full by the promotional
      This includes:                           expiration date, Interest Charges will be imposed on the
                                               promotional purchase from the purchase date. 
      (1) your legal name,  
      (2) a valid U.S. mailing address and residential address     (3) Reduced Rate Credit Plan - With this plan, you will   
         (if different),                       receive a reduced Annual Percentage Rate (APR) on 
      (3) your date of birth,                  your purchase for a speci?ed period. 
      (4) your Social Security number or other government    Authorized Users 
         identi?cation number, 
                                             If you ask us to issue a Card to any other person, they are 
      (5) your telephone number(s), and  
                                             an Authorized User. We may require certain information 
      (6) your employment and income information.   
                                             about them. We may limit their ability to use your Card. 
      You must tell us when this information changes. We may   They may have access to certain information about your
      ask you for additional documents to verify any changes.  Account. You will be responsible for their use of the 
      We may restrict or close your Account if we cannot verify  Account and anyone else they allow to use your Account, 
      your information, or if you do not provide it as requested.   even if you did not want, or agree to, that use. 
      Credit Limits                          Removing an Authorized User
      When you open your Account, we will tell you your credit limit.     If you want to remove an Authorized User from your
      This will also appear on your Statement. We may also refer to     Account, you must contact Customer Service and request 
      your credit limit as your credit line.   their removal. You also must immediately destroy all Cards   
                                             in their possession and cancel any arrangements they may 
      You are responsible for keeping track of your balance and  
                                             have set up on your Account. They will be able to use your  
      your available credit. You must manage your Account to   
                                             Account until you have notified us that you are removing 
      remain below your credit limit. We may honor transactions  
                                             them from your Account. During this time, you will still be 
      above your credit limit, but if we do, these transactions  
                                             responsible for all amounts they charge to your Account. 
      will not increase your credit limit. You are responsible for  
                                             You will be responsible even if these amounts do not 
      paying for any transaction you make above your credit limit. 
                                             appear on your Account until later. 
      We may also increase, decrease, restrict or cancel your 
                                             Authorized Users may remove themselves from your
      credit limit at any time. This will not affect your obligation to 
                                             Account upon request. We reserve the right to remove   
      pay us. 
                                             them from your Account for any reason. To remove them 
                                            1     
       from your Account, we may close your existing Account     order to continue to avoid interest on new non-promotional
       and issue a new Card with a new Account number.   purchases, you must also add payment in full of any such
                                             remaining Same as Cash Credit Plan balance. 
      Your Promise to Pay
      You promise to pay us all amounts due on your Account.   For Same as Cash plans, we will not charge you interest  
      This includes amounts where you did not sign a purchase  on your promotional purchase if you repay the full amount  
      slip or other documents for the transaction. We will treat   of the purchase before the expiration date shown on your  
      transactions made without presenting your actual Card     Statement. If you do not repay the promotional purchase in  
      (such as for mail, telephone, Internet or mobile device  full by the expiration date, Interest Charges will be imposed  
      purchases) the same as if you used the Card in person. If  on the promotional purchase from the date of the purchase. 
      you let someone else use your Card, you are responsible 
                                             We will generally treat Fees as purchase transactions  
      for all transactions that person makes. 
                                             unless otherwise specified below. These Fees apply to your  
      Statements                             Account only if your Truth-in-Lending Disclosures provide for  
      We will generally send or make available to you one    them. We may increase your Interest Charges and Fees as   
      Statement for all Cards on your Account at the end of each     described in the Changes to Your Agreement section or in   
      Billing Cycle. Under certain circumstances, the law may not    your Truth-in-Lending Disclosures. 
      require us to send or make available to you a Statement, or     Late Payment Fee
      may prohibit us from doing so. 
                                             We may charge you this Fee if we do not receive your
      Disputed Transactions                  payment as instructed on your Statement by the payment
      You must inspect each Statement you receive. Tell us   due date. 
      about any errors or questions you have, as described in  Returned Payment Fee
      the �Billing Rights Summary� on your Statement and other 
                                             We may charge you this Fee each time your ?nancial  
      Truth-in-Lending Disclosures. If you do not notify us of an 
                                             institution for any reason rejects a payment you make to us. 
      error, we will assume that all information on the Statement   
      is correct.                            Minimum Payment
                                             You must pay us at least the minimum payment due by 
      If we credit your Account for all or part of a disputed
                                             the payment due date. The minimum payment for your 
      transaction, you give us all of your rights against others
                                             Account includes the minimum payment due on each 
      regarding that transaction. You will also: 
                                             Credit Plan. Your Statement will tell you:   
      (1) give us any information about the disputed transaction,  
                                             (1) the minimum payment due,  
         if we ask; 
                                             (2) your new balance,  
      (2) not pursue any claim or reimbursement of the  
                                             (3) the payment due date and  
         transaction amount from the merchant or any other
                                             (4) an explanation of when the payment must reach us for  
         person; and
                                               us to consider it received as of that date. 
      (3) help us get reimbursement from others.   
                                             Returns and other credits to your Account will reduce your
      No Warranties 
                                             Account balance, but they will not change your minimum 
      We are not responsible for any claim you may have 
                                             payment amount. 
      regarding the purchase of goods or services made with 
      your Card beyond your rights described in the �Billing   In addition to the minimum payment, you may pay all or
      Rights Summary� on your Statement.     part of the total balance on your Account. But, you must 
                                             still pay at least the minimum payment amount each
      Lost or Stolen Card 
                                             month, even if you paid more than the minimum payment
      If your Card is lost or stolen or if you think someone  due on the previous Statement. We will continue to charge 
      else may be using your Card or Account number without   Interest Charges during Billing Cycles when you carry a
      your permission, you must contact Customer Service  balance regardless of whether your Statement includes 
      immediately. You will not be responsible for transactions on   a minimum payment that is due. If your Account is 180 
      your Account that we find are unauthorized.   days past due, is part of a bankruptcy proceeding, or is 
      If we reimburse you for unauthorized transactions, you will    otherwise charged off, the total balance is immediately due 
      help us investigate, pursue and get reimbursement from the    and payable. 
      wrongdoer. Your help includes giving us documents in a form    Making Payments
      that we request. 
                                             Your payment must be made in U.S. dollars from a U.S.  
      Interest Charges and Fees              deposit account in a form acceptable to us. We do not  
      We will charge Interest Charges and Fees to your Account     accept cash payments through the mail. You may not make  
      as disclosed on your Statement and other Truth-in-Lending   payments with funds from your Account or any other credit  
      Disclosures. In general, Interest Charges begin to accrue  account with us or any other company in the Capital One  
      from the date of a purchase. However, we will not charge     organization. You must send mailed payments to us as  
      you interest on any new purchases posted to your Account     instructed on your Statement, unless we tell you otherwise.   
      if you paid the total balance of your Account in full by the  Other Payment Services
      due date on your Statement each month. 
                                             We may make services available that allow you to make  
      If you have a Same as Cash, Waived Interest Charge or   faster or recurring payments online or by telephone. We  
      Reduced Rate Credit Plan balance and the promotional   will describe the terms for using these services and any    
      period does not expire before your payment due date,  applicable Fee before you use them. You do not have to use  
      we will exclude that promotional plan balance from the   these other payment services. 
      amount you must pay in full to avoid Interest Charges on
                                             We are not responsible if your financial institution rejects a 
      new non-promotional purchases. However, you must still 
                                             payment made using our payment services. 
      make any required payment on that excluded promotional
      balance. Additionally, during the last two full Billing Cycles     If you ask someone else to make a payment for you, we  
      prior to expiration of any Same as Cash Credit Plan, in   may provide that person with limited Account information   
                                            2   
      necessary to set up and process that payment. We may    Account Default 
      also refuse to accept that payment. If we do accept it, you    You will be in default if: 
      will be responsible for that payment even if a financial  
                                             (1) you do not make any payment when it is due;  
      institution rejects it. 
                                             (2) any payment you make is rejected, not paid or cannot  
      Payment Processing                       be processed;
      We may accept and process payments without losing   (3) you exceed a credit limit;  
      any of our rights. We may delay the availability of credit   (4) you ?le or become the subject of a bankruptcy or  
      until we confirm that your payment has cleared. This   insolvency proceeding;
      may happen even if we credit your payment to your  (5) you are unable or unwilling to repay your obligations,  
      Account. We may resubmit and collect returned payments   including upon death or legally declared incapacity;
      electronically. If necessary, we may adjust your Account to   (6) we determine that you made a false, incomplete or  
      correct errors, process returned and reversed payments  misleading statement to us, or you otherwise tried to
      and handle similar issues.               defraud us; or 
                                             (7) you do not comply with any term of this Agreement or   
      When you send us an Item as payment, you authorize
                                               any other agreement with us. 
      us to make a one-time electronic fund transfer from your
      deposit account. You also authorize us to process the   If you are in default, we may take certain actions with   
      payment as an Item. We may withdraw the funds from   respect to your Account. For example, depending on the  
      your deposit account as early as the same day we receive  default, we may take the following actions, without notifying  
      your payment. You will not receive your Item back from   you, unless the law says that we must give you notice: 
      your bank. We will provide additional information about this 
                                             (1) charge you Fees, or change the APRs and Fees on   
      process on your Statement. 
                                               your Account, if provided in your Truth-in-Lending 
      We may use the information from an Item to create an   Disclosures; 
      electronic image. We may collect and return the image   (2) close or suspend your Account;   
      electronically. This electronic image may also be converted   (3) lower your credit limit(s);  
      to a substitute check and may be processed in the same  (4) demand that you immediately pay the total balance  
      way we would process an Item. We will not be responsible   owing on your Account; 
      if an Item you provide has physical features that when  (5)  continue to charge you Interest Charges and Fees as    
      imaged result in it not being processed as you intended.   long as your balance remains outstanding; and/or
                                             (6) ?le a lawsuit against you, or pursue another action that  
      How We Apply Your Payments
                                               is not prohibited by law. If we ?le a lawsuit, you agree to 
      In each Billing Cycle, we generally apply payments up to 
                                               pay our court costs, expenses and attorney fees, unless
      your minimum payment amount to satisfy the minimum
                                               the law does not allow us to collect these amounts. 
      payment due on each Credit Plan, first to the lowest APR 
      Credit Plan balance and then to higher APR Credit Plan     Communications 
      balances. We apply any part of your payment exceeding   You agree that we may communicate with you by mail, 
      your minimum payment to the balance with the highest   telephone, email, fax, prerecorded message, automated 
      APR, and then to balances with lower APRs.   voice, text message or other means allowed by law 
                                             regarding your Account. 
      If your Account has a Same as Cash Credit Plan balance, 
      we will treat that balance as having a 0% APR for this   You agree that we may contact you at any telephone 
      purpose, until the last two Billing Cycles of the promotional  number (including a mobile telephone number that you 
      period. During the last two full Billing Cycles of the   provide us), and use an automated telephone dialing 
      promotional period, we will apply payments exceeding the   system or similar device to do so. You agree that we may 
      minimum payment to the Same as Cash Credit Plan(s)    monitor or record any conversation or other communication 
      that is expiring, in the order of expiration date.   with you. 
      Items with Restrictive Words, Conditions,     Credit Reports
      or Instructions                        We may report information about your Account to credit 
      You must mail all Items bearing restrictive words,  bureaus and others. Late payments, missed payments or
      conditions, limitations or special instructions to:   other defaults on your Account may be reflected in your
                                             credit report. Information we provide may appear on your
      Capital One
                                             and the Authorized Users� credit reports. 
      PO Box 1330 
      Charlotte, NC 28201-1330               If you believe that we have reported inaccurate information 
                                             about your Account to a credit bureau or other consumer 
      This includes Items marked �Paid in Full� or similar 
                                             reporting agency, notify us in writing at PO Box 30258, 
      language. This also includes all accompanying 
                                             Salt Lake City, UT 84130-0258. When you write, tell us the 
      communications. 
                                             specific information that you believe is incorrect and why
      If you make such a payment or send any accompanying   you believe it is incorrect. 
      communications to any other address, we may reject it 
                                             We may obtain and use credit, income and other 
      and return it to you. We may also accept it and process it   
                                             information about you from credit bureaus and others as
      without losing any of our rights. 
                                             the law allows. 
      Credit Balances 
                                             Closing or Suspending Your Account
      We may reject and return any payment that creates or 
                                             You may contact Customer Service to ask us to close   
      adds to a credit balance on your Account. Any credit 
                                             your Account. 
      balance we allow will not be available until we confirm that 
      your payment has cleared. We may reduce the amount of   We may close or suspend your Account at any time and for  
      any credit balance by any new charges. You may write to   any reason permitted by law, even if you are not in default. 
      the address provided on your Statement or call Customer 
                                             If we close or suspend your Account for any reason,   
      Service to request a refund of any available credit balance. 
                                             you must stop using your Card. You must also cancel all 
                                            3   
      billing arrangements set up on the Account. If we close or   Glossary
      permanently suspend your Account, you must return or  � �Account� means your Card Account with us.    
      destroy all Cards. You must still pay us all amounts you 
                                             � �Authorized User� means a person who may use   
      owe on the Account. 
                                              the Card but is not responsible for the repayment of  
      Changes to Your Agreement               the Account. 
      At any time, we may add, delete or change any term of 
                                             � �Billing Cycle� means the period of time re?ected    
      this Agreement, unless the law prohibits us from doing so. 
                                              on a Statement. This period may vary in length, but is  
      We will give you notice of any changes as required by law. 
                                              approximately 30 days. You will have a Billing Cycle even if   
      We may notify you of changes on your Statement or in a 
                                              a Statement is not required. We will often specify a Billing  
      separate notice. Our notice will tell you when and how the
                                              Cycle by the month in which its closing date occurs. For  
      changes will take effect. The notice will describe any rights 
                                              example, a �March Billing Cycle� will have a closing date  
      you have in connection with the changes. 
                                              in March. We may also refer to a Billing Cycle as a �Billing  
      Your variable APRs (if applicable) can go up or down as   Period�. If your Account balance has charged off, we may   
      the index for the rate goes up or down. If we increase your   switch to quarterly Billing Cycles for your Account. 
      APRs for any other reason, or if we change your Fees or 
                                             � �Card� means any Capital One credit card associated  
      other terms of your Account, we will notify you as required 
                                              with your Account. This includes all renewals and 
      by law. 
                                              substitutions. It also means any other access device for 
      The Law That Applies to Your Agreement  your Account we give you that allows you to obtain credit,
      We make decisions to grant credit and issue you a Card     including any Account number. 
      from our offices in Virginia. This Agreement is governed 
                                             � �Credit Plans� mean the different parts of your Account    
      by applicable federal law and by Virginia law. If any part of 
                                              we may establish that are subject to unique APRs, pricing 
      this Agreement is unenforceable, the remaining parts will 
                                              or other terms. The sum of your Credit Plan balances 
      remain in effect. 
                                              equals your total Account balance. 
      Waiver 
                                             � �Fees� mean charges imposed on your Account not   
      We will not lose any of our rights if we delay or choose not   based on the Annual Percentage Rates. 
      to take any action for any reason. We may waive our right 
                                             � �Interest Charges� mean any charges to your Account    
      without notifying you. For example, we may waive your
                                              based on the application of Annual Percentage Rates. 
      Interest Charges or Fees without notifying you and without
      losing our right to charge them in the future.   � �Item� means a check, draft, money order or other  
                                              negotiable instrument you use to pay your Account. This 
      Assignment
                                              includes any image of these instruments. This does not 
      This Agreement will be binding on, and benefit, any of your 
                                              include an Access Check. 
      and our successors and assigns. You may not sell, assign 
      or transfer your Account or this Agreement to someone   � �Statement� means a document showing important  
       else without our written permission.   Account information, including all transactions billed to 
                                              your Account during a Billing Cycle and information about 
       We may sell, assign or transfer your Account and this 
                                              what you must pay. We may also refer to your Statement   
      Agreement without your permission and without prior 
                                              as a �Periodic Statement� or a �Billing Statement�. 
      notice to you. Any assignee or assignees will take our 
      place under this Agreement. You must pay them and   � �Truth-in-Lending Disclosures� means disclosures   
      perform all of your obligations to them and not us. If you   that the federal Truth in Lending Act and Regulation Z 
      pay us after we notify you that we have transferred your  require for any Account. This includes your application 
      Account or this Agreement, we can return the payment to   and solicitation disclosures, Account opening disclosures,
      you, forward the payment to the assignee or handle it in   subsequent disclosures, Statements and change in terms
      another way that is reasonable.         notices. 
                                       � 2020 Capital One        
                                Capital One is a federally registered service mark.          
                                        All rights reserved.        
     BR411057  M-131165                     4