Credit Card Agreement for Saks World 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 June 30, 2016. The combination of terms that could apply to you may differ depending 
 on the specific 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 
 (APR) for Purchases

 APR for Balance 
 Transfers

 19.24% - 21.24%.

 This APR will vary with the market based on the Prime Rate.

 19.24% - 21.24%.

 This APR will vary with the market based on the Prime Rate.

 APR for Cash Advances

 25.49%. 

 Penalty APR and  
 When It Applies

 Paying Interest

 This APR will vary with the market based on the Prime Rate. 

 30.24%. 

 This APR will vary with the market based on the Prime Rate.

 This APR may be applied to your account if you make a late payment.

 How Long Will the Penalty APR Apply? If APRs are increased for a payment that is late, the 
 Penalty APR may apply indefinitely unless you make six consecutive minimum payments on 
 time following the rate increase.

 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 $1.00. 

 Annual Fee

 $0.

 Transaction Fees
 • Balance Transfer Fee
 • Cash Advance Fee
 • Foreign Transaction Fee

 Penalty Fees
 • Late Payment
 • Returned Payment

 Either $15 or 3% of the amount of each Balance Transfer, whichever is greater.
 Either $15 or 3% of the amount of each cash advance, whichever is greater.
 None.

 Up to $35. 
 Up to $25.

 Balance Computation Method: Average Daily Balance (including new purchases)
 The “Daily Balance” of a Credit Plan is determined by taking the opening balance of the Credit Plan for that day, and adding 1) 
 any new purchase made on the Credit Plan that day, 2) the previous day’s Interest Charges, 3) any credit insurance premiums 
 or debt cancellation fees (if applicable) incurred on that day and 4) any late fees, over the credit limit fees, returned payment 
 fees or other fees incurred on that day and subtracting any payments or credit applied to the Credit Plan that day. If your 
 Account is subject to a grace period during the billing cycle, payments made during that cycle will be subtracted from all Daily 
 Balances in the current cycle. 

 Required Insurance, Debt Cancellation or Debt Suspension Coverage: None.

 Disclosure of Rates: The Daily Periodic Rate which is used to determine your Interest Charges and the corresponding Annual 
 Percentage Rate, will be variable rates which may change monthly. The Daily Periodic Rate will be one-three hundred sixty 
 fifth of the sum of the U.S. prime rate published in Money Rates table of The Wall Street Journal that is in effect on the last 
 day of the month. (“Prime Rate”), plus a “Spread” of 15.74 to 17.74 percentage points for the Standard Rate and a “Spread” of 
 26.74 percentage points for the Penalty Rate. Any changes in the Prime Rate will take effect on the first day of your billing cycle 
 beginning in the next month.

 Capital One® Customer Agreement

Welcome to Capital One
 Thank you for opening a credit card account with us. 
 This Customer Agreement, including any changes to it 
 (“Agreement”), contains the terms of your agreement with 
 Capital One.
 Interaction with your Store Account 
 Your transactions with retailers other than Saks Fifth 
 Avenue will be governed by the terms of this Agreement. 
 Any transactions you make at retailers operated by Saks 
 Fifth Avenue will continue to be governed by your Saks Fifth 
 Avenue store credit card account terms and its customer 
 agreement. You must have an open Saks Fifth Avenue 
 private label account to remain eligible for this Saks Fifth 
 Avenue MasterCard account. If your private label account is 
 closed for any reason, this Saks Fifth Avenue MasterCard 
 account will be closed.
 Definitions
 The meanings of the terms you see in italics appear in the 
 Glossary section at the end of this Agreement.
 As used here, “you” and “your” mean each applicant and co-
 applicant for the Account; any person responsible for paying 
 the Account; and any person responsible for complying with 
 this Agreement. “We”, “us”, “our” and “Capital One” mean 
 Capital One, National Association and its agents, authorized 
 representatives, successors and assignees.
 Account Documents
 The following documents govern your Account with us:
 (1)   this  Agreement;
 (2)   all  Statements;
 (3)   any rewards program terms, conditions and disclosures;
 (4) any privacy notices;
 (5)   your Card benefits brochure, which describes benefits 

 provided by the Payment Card Network for your Account;

 (6)   all disclosures and materials provided to you before or 

 when you opened your Account;

 (7)   any other documents and disclosures relating to your 

 Account, including those provided online; and
 (8)   any future changes we make to any of the above. 
 Please read these carefully and keep them for  
 future reference.
 New Offers
 In the future, we may provide you with new offers that we 
 think may interest you. The terms of these offers may differ 
 from the standard terms on your Account. This Agreement 
 will still apply.
 Account Information
 We need information about you to manage your Account. 
 This includes:
 (1)   your legal name,
 (2)   a valid U.S. mailing address and residential address  

 (if different),
 (3)   your date of birth,
 (4)   your Social Security number or other government 

 identification number,

 (5)   your telephone number(s), and
 (6)   your employment and income information.
 You must tell us when this information changes. We may 
 ask you for additional documents to verify any changes. We 
 may restrict or close your Account if we cannot verify your 
 information, or if you do not provide it as requested.
 Your Revolving Credit Line and Spending
 We will tell you your initial revolving credit line when you open 
 your Account. We may increase or decrease your revolving 
 credit line at any time without prior notice to you, unless 

 notice is required by law, and we may limit or take away the 
 credit available for Cash Advances. You can find your current 
 revolving credit line on your Statement. We may not authorize 
 transactions in excess of your revolving credit line. We may 
 consider each transaction that may cause you to exceed your 
 revolving credit line based on several factors, including your 
 performance on this Account and other credit accounts you 
 have with us and your performance with other creditors. If we 
 do authorize transactions in excess of your revolving credit 
 line, they will be subject to this Agreement. They will not 
 result in an increase of your revolving credit line.
 Using Your Account
   (1)   This Agreement applies whether or not you use your 

 Card or Account. It will continue to apply even after your 
 Account is closed, as long as you have a balance.
   (2)   You must sign the Card immediately when you receive it.
   (3)   You must return the Card to us or destroy it if we ask  

 you to.

   (4)     You must take reasonable steps to prevent the 

 unauthorized use of your Card, Access Checks  
 and Account.

   (5)   We may decline to authorize a transaction for any 

 reason. This may occur even if the transaction would not 
 cause you to go over your credit limit or your Account is 
 not in default.

   (6)   We are not responsible for any losses you incur if we do 

 not authorize a transaction.

   (7)   We are not responsible for any losses you incur if 

 anyone refuses to accept your Card for any reason.
   (8)   Unless we tell you otherwise, we will bill each transaction 
 to the applicable Segment of your Account. We will apply 
 it against your available credit for that Segment.

   (9)   You may obtain Balance Transfers and Cash Advances 
 as permitted for your Account. You may not use these to 
 pay any amount you owe us or any other company in the 
 Capital One organization.

 (10)     You must not use, or try to use, the Card for any illegal 

 activity. You are responsible for any charges if you do.
 (11)     We are not liable for any losses that may result when our 

 services are unavailable due to reasons beyond  
 our control.

 Rewards 
 Your Account may provide you with the opportunity to earn 
 rewards. If it does, we will separately provide you with 
 information and terms about the rewards. 
 Access Checks 
 We may provide you with Access Checks. If we do, we will 
 tell you at the time if we consider them purchases, Cash 
 Advances or Balance Transfers.
 Only the person we designate may use Access Checks. You 
 may not use them to pay any amount you owe us or any 
 other company in the Capital One organization. We may 
 reject and not pay any Access Check if:
 (1)   your  Account is past due, charged off, bankrupt, lost/

 stolen or closed;
 (2)   we suspect fraud;
 (3)   your Account is over the revolving credit line; or
 (4)   the check has expired, is damaged or cannot otherwise 

 be processed.

 Our liability if we do not pay an Access Check will never be 
 more than (1) your actual damages or (2) the amount of the 
 Access Check, whichever is less.
 Use of an Access Check is not the same as using your Card. 
 When you use an Access Check, you will have fewer rights 
 to dispute merchant transactions than with uses of your Card. 
 Please see the “Billing Rights Summary” on your Statement 

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and your other Truth-in-Lending Disclosures for more 
 information.
 Stopping Payment of Access Checks
 You may request a stop payment on any Access Check by 
 contacting Customer Service.
 We will have a reasonable amount of time after your stop 
 payment request to research and complete the stop payment. 
 We will not be responsible if we cannot complete the stop 
 payment. Reasons include:
 (1)   the Access Check was already paid;
 (2)   you do not give us the information we asked for; or
 (3)   the information you gave us was incorrect.
 We do not have to release the stop payment order unless 
 the account holder who made the request asks us to. If we 
 re-credit your Account after a valid stop payment order, you 
 give us all of your rights against the payee or other holder of 
 the paid Access Check. You also agree to help us in any legal 
 action we may later take against the payee or other holder of 
 the check.
 Using a PIN
 We may give you a personal identification number (PIN). For 
 security reasons, you may have to provide the PIN before 
 you are able to use your Card.
 Keep your PIN secure. Do not write it down, give it to anyone 
 or keep it with your Card. If you lose your Card or believe the 
 confidentiality of your PIN has been compromised for any 
 reason, you must contact Customer Service immediately.
 Authorized Users
 If you ask us to issue a Card to any other person, they are an 
 Authorized User. We may require certain information about 
 them. We may limit their ability to use your Card. They may 
 have access to certain information about your Account. You 
 will be responsible for their use of the Account and anyone 
 else they allow to use your Account, even if you did not want, 
 or agree to, that use.
 Removing an Authorized User
 If you want to remove an Authorized User from your Account, 
 you must contact Customer Service and request their 
 removal. You also must immediately destroy all Cards in their 
 possession and cancel any arrangements they may have set 
 up on your Account. They will be able to use your Account 
 until you have notified us that you are removing them from 
 your Account. During this time, you will still be responsible 
 for all amounts they charge to your Account. You will be 
 responsible even if these amounts do not appear on your 
 Account until later.
 Authorized Users may remove themselves from your Account 
 upon request. We reserve the right to remove them from your 
 Account for any reason. To remove them from your Account, 
 we may close your existing Account and issue a new Card 
 with a new Account number.
 Your Promise to Pay
 You promise to pay us all amounts due on your Account. 
 This includes amounts where you did not sign a purchase 
 slip or other documents for the transaction. We will treat 
 transactions made without presenting your actual Card (such 
 as for mail, telephone, Internet or mobile device purchases) 
 the same as if you used the Card in person. If you let 
 someone else use your Card, you are responsible for all 
 transactions that person makes.
 Statements
 We will generally send or make available to you one 
 Statement for all Cards on your Account at the end of each 
 Billing Cycle. Under certain circumstances, the law may not 
 require us to send or make available to you a Statement, or 
 may prohibit us from doing so.

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 Disputed Transactions
 You must inspect each Statement you receive. Tell us about 
 any errors or questions you have, as described in the “Billing 
 Rights Summary” on your Statement and other Truth-in-
 Lending Disclosures. If you do not notify us of an error, we 
 will assume that all information on the Statement is correct.
 If we credit your Account for all or part of a disputed 
 transaction, you give us all of your rights against others 
 regarding that transaction. You will also:
 (1)   give us any information about the disputed transaction, if 

 we ask;

 (2)   not pursue any claim or reimbursement of the transaction 

 amount from the merchant or any other person; and

 (3)   help us get reimbursement from others.
 No Warranties
 We are not responsible for any claim you may have regarding 
 the purchase of goods or services made with your Card 
 beyond your rights described in the “Billing Rights Summary” 
 on your Statement.
 Lost or Stolen Card
 If your Card is lost or stolen or if you think someone else 
 may be using your Card or Account number without your 
 permission, you must contact Customer Service immediately. 
 You will not be responsible for transactions on your Account 
 that we find are unauthorized.
 If we reimburse you for unauthorized transactions, you will 
 help us investigate, pursue and get reimbursement from the 
 wrongdoer. Your help includes giving us documents in a form 
 that we request.
 Interest Charges and Fees
 We will charge Interest Charges and Fees to your Account 
 as disclosed on your Statement and other Truth-in-Lending 
 Disclosures. In general, Interest Charges begin to accrue 
 from the day a transaction occurs. However, we will not 
 charge you interest on any new transactions posted to the 
 purchase Segment of your Account if you paid the total 
 balance across all Segments of your Account in full by the 
 due date on your Statement each month. From time to time, 
 we may give you offers that allow you to pay less than the 
 total balance and avoid Interest Charges on new purchase 
 Segment transactions. If we do, we will provide details in the 
 specific offer.
 We will generally treat Fees as purchase transactions 
 unless otherwise specified below. These Fees apply to your 
 Account only if your Truth-in-Lending Disclosures provide for 
 them. We may increase your Interest Charges and Fees as 
 described in the Changes to Your Agreement section or in 
 your Truth-in-Lending Disclosures.
 Membership Fee
 If your Account has a membership Fee, we may charge the 
 first membership Fee either on the day you activate your 
 Card or on the day when you use your Account, whichever 
 occurs first. If your Account terms include a $0 introductory 
 Fee, we may charge the first Fee when the introductory 
 period ends. If it is an annual Fee, we may then charge it 
 approximately once per year. If it is a monthly Fee, we may 
 charge it each Billing Cycle.
 Late Payment Fee
 We may charge you this Fee if we do not receive your 
 payment as instructed on your Statement by the payment  
 due date.
 Returned Payment Fee
 We may charge you this Fee each time your financial 
 institution for any reason rejects a payment you make to us.
 Stop Payment Fee
 We may charge you this Fee each time you ask us to (1) stop 

payment on an Access Check or (2) renew an existing stop 
 payment order.
 Cash Advance Fee
 We may charge you this Fee each time you take out a 
 Cash Advance. We will treat this Fee as a Cash Advance 
 transaction.
 Balance Transfer Fee
 We may charge you this Fee each time you make a Balance 
 Transfer. We will charge the Fee to the Balance Transfer 
 Segment.
 Transactions Made in Foreign Currencies
 If you make a transaction in a foreign currency, the Payment 
 Card Network will convert it into a U.S. dollar amount. The 
 Payment Card Network will use its own currency conversion 
 procedures. The conversion rate in effect on the processing 
 date may differ from the rate in effect on the transaction 
 date that appears on your Statement. We do not adjust the 
 currency exchange rate or charge any currency conversion 
 Fees.
 Minimum Payment
 You must pay us at least the minimum payment amount by 
 the payment due date. Your Statement will tell you:
 (1)   the minimum payment due,
 (2)   your new balance,
 (3)   the payment due date and
 (4)   an explanation of when the payment must reach us for us 

 to consider it received as of that date.

 Returns and other credits to your Account will reduce your 
 Account balance, but they will not change your minimum 
 payment amount.
 In addition to the minimum payment, you may pay all or part 
 of the total balance on your Account. But, you must still pay at 
 least the minimum payment amount each month, even if you 
 paid more than the minimum payment due on the previous 
 Statement. We will continue to charge Interest Charges during 
 Billing Cycles when you carry a balance regardless of whether 
 your Statement includes a minimum payment that is due. If 
 your Account is 180 days past due, is part of a bankruptcy 
 proceeding, or is otherwise charged off, the total balance is 
 immediately due and payable.
 Making Payments
 Your payment must be made in U.S. dollars from a U.S. 
 deposit account in a form acceptable to us. We do not 
 accept cash payments through the mail. You may not make 
 payments with funds from your Account or any other credit 
 account with us or any other company in the Capital One 
 organization. You must send mailed payments to us as 
 instructed on your Statement, unless we tell you otherwise.
 Other Payment Services
 We may make services available that allow you to make 
 faster or recurring payments online or by telephone. We 
 will describe the terms for using these services and any 
 applicable Fee before you use them. You do not have to use 
 these other payment services.
 We are not responsible if your financial institution rejects a 
 payment made using our payment services.
 If you ask someone else to make a payment for you, we 
 may provide that person with limited Account information 
 necessary to set up and process that payment. We may also 
 refuse to accept that payment. If we do accept it, you will be 
 responsible for that payment even if a financial institution 
 rejects it.
 Payment Processing
 We may accept and process payments without losing any 
 of our rights. We may delay the availability of credit until we 

 3

 confirm that your payment has cleared. This may happen even 
 if we credit your payment to your Account. We may resubmit 
 and collect returned payments electronically. If necessary, we 
 may adjust your Account to correct errors, process returned 
 and reversed payments and handle similar issues.
 When you send us an Item as payment, you authorize us to 
 make a one-time electronic fund transfer from your deposit 
 account. You also authorize us to process the payment as an 
 Item. We may withdraw the funds from your deposit account 
 as early as the same day we receive your payment. You will 
 not receive your Item back from your bank. We will provide 
 additional information about this process on your Statement.
 We may use the information from an Item to create an 
 electronic image. We may collect and return the image 
 electronically. This electronic image may also be converted 
 to a substitute check and may be processed in the same way 
 we would process an Item. We will not be responsible if an 
 Item you provide has physical features that when imaged 
 result in it not being processed as you intended.
 How We Apply Your Payments
 Your Account may have Segments with different Annual 
 Percentage Rates (APR). For example, purchases may 
 have a lower APR than Cash Advances. If your Account has 
 Segment balances with different APRs, here is how we apply 
 payments in a Billing Cycle:
 (1)   We generally apply payments up to your minimum 

 payment first to the balance with the lowest APR, and 
 then to balances with higher APRs.

 (2)   We apply any part of your payment exceeding your 

 minimum payment to the balance with the highest APR, 
 and then to balances with lower APRs.

 We do this based on the APRs in effect and balances owed 
 on the day your preceding Billing Cycle ended.
 Items with Restrictive Words, Conditions,  
 or Instructions
 You must mail all Items bearing restrictive words, conditions, 
 limitations or special instructions to:
 Capital One
 PO Box 1330
 Charlotte, NC 28201-1330
 This includes Items marked “Paid in Full” or similar language. 
 This also includes all accompanying communications.
 If you make such a payment or send any accompanying 
 communications to any other address, we may reject it and 
 return it to you. We may also accept it and process it without 
 losing any of our rights.
 Credit Balances
 We may reject and return any payment that creates or adds 
 to a credit balance on your Account. Any credit balance we 
 allow will not be available until we confirm that your payment 
 has cleared. We may reduce the amount of any credit 
 balance by any new charges. You may write to the address 
 provided on your Statement or call Customer Service to 
 request a refund of any available credit balance.
 Account Default
 You will be in default if:
 (1)   you do not make any payment when it is due;
 (2)   any payment you make is rejected, not paid or cannot be 

 processed;

 (3)   you file or become the subject of a bankruptcy or 

 insolvency proceeding;

 (4)   you are unable or unwilling to repay your obligations, 
 including upon death or legally declared incapacity; 
 (5)   we determine that you made a false, incomplete or 

 misleading statement to us, or you otherwise tried to 
 defraud us; or

(6)   you do not comply with any term of this Agreement or any 

 other agreement with us.

 If you are in default, we may take certain actions with respect 
 to your Account. For example, depending on the default, we 
 may take the following actions, without notifying you, unless 
 the law says that we must give you notice:
 (1)   charge you Fees, or change the APRs and Fees on your 
 Account, if provided in your Truth-in-Lending Disclosures;

 (2)   close or suspend your Account;
 (3)   lower your revolving credit line;
 (4)   demand that you immediately pay the total balance owing 

 on your Account;

 (5)   continue to charge you Interest Charges and Fees as long 

 as your balance remains outstanding; and/or 

 (6)   file a lawsuit against you, or pursue another action that is 
 not prohibited by law. If we file a lawsuit, you agree to pay 
 our court costs, expenses and attorney fees, unless the 
 law does not allow us to collect these amounts.

 Communications
 You agree that we may communicate with you by mail, 
 telephone, email, fax, prerecorded message, automated 
 voice, text message or other means allowed by law regarding 
 your Account.
 You agree that we may contact you at any telephone number 
 (including a mobile telephone number that you provide us), 
 and use an automated telephone dialing system or similar 
 device to do so. You agree that we may monitor or record any 
 conversation or other communication with you.
 Credit Reports
 We may report information about your Account to credit 
 bureaus and others. Late payments, missed payments or 
 other defaults on your Account may be reflected in your credit 
 report. Information we provide may appear on your and the 
 Authorized Users’ credit reports.
 If you believe that we have reported inaccurate information 
 about your Account to a credit bureau or other consumer 
 reporting agency, notify us in writing at PO Box 30258, 
 Salt Lake City, UT 84130-0258. When you write, tell us the 
 specific information that you believe is incorrect and why you 
 believe it is incorrect.
 You may contact Customer Service to ask us to close  
 your Account.
 Closing or Suspending Your Account
 You may contact Customer Service to ask us to close  
 your Account.
 We may close or suspend your Account at any time and for 
 any reason permitted by law, even if you are not in default.
 If we close or suspend your Account for any reason, 
 you must stop using your Card. You must also cancel all 
 billing arrangements set up on the Account. If we close or 
 permanently suspend your Account, you must return or 
 destroy all Cards. You must still pay us all amounts you owe 
 on the Account.
 Changes to Your Agreement
 At any time, we may add, delete or change any term of this 
 Agreement, unless the law prohibits us from doing so. We 
 will give you notice of any changes as required by law. We 
 may notify you of changes on your Statement or in a separate 
 notice. Our notice will tell you when and how the changes will 
 take effect. The notice will describe any rights you have in 
 connection with the changes.
 Your variable APRs (if applicable) can go up or down as the 
 index for the rate goes up or down. If we increase your APRs 
 for any other reason, or if we change your Fees or other 
 terms of your Account, we will notify you as required by law.

 4

 The Law That Applies to Your Agreement
 We make decisions to grant credit and issue you a Card 
 from our offices in Virginia. This Agreement is governed by 
 applicable federal law and by Virginia law. If any part of this 
 Agreement is unenforceable, the remaining parts will remain 
 in effect.
 Waiver
 We will not lose any of our rights if we delay or choose not 
 to take any action for any reason. We may waive our right 
 without notifying you. For example, we may waive your 
 Interest Charges or Fees without notifying you and without 
 losing our right to charge them in the future.
 Assignment
 This Agreement will be binding on, and benefit, any of your 
 and our successors and assigns. You may not sell, assign 
 or transfer your Account or this Agreement to someone else 
 without our written permission.
 We may sell, assign or transfer your Account and this 
 Agreement without your permission and without prior notice 
 to you. Any assignee or assignees will take our place under 
 this Agreement. You must pay them and perform all of your 
 obligations to them and not us. If you pay us after we notify 
 you that we have transferred your Account or this Agreement, 
 we can return the payment to you, forward the payment to the 
 assignee or handle it in another way that is reasonable.
 Glossary
 •  “Access  Check” means any check we send to you to 
 access credit from your Account. We may also refer to  
 an Access Check as a “convenience check” or a “purchase 
 check”.

 •  “Account” means your Card Account with us.
 •   “Authorized User” means a person who may use  
 the Card but is not responsible for the repayment of  
 the Account.

 •   “Balance Transfer” means an amount posted to the 
 Balance Transfer Segment of your Account unless 
 otherwise described in your Truth-in-Lending Disclosures.

 •    “Billing Cycle” means the period of time reflected 

 on a Statement. This period may vary in length, but is 
 approximately 30 days. You will have a Billing Cycle even if a 
 Statement is not required. We will often specify a Billing Cycle 
 by the month in which its closing date occurs. For example, 
 a “March Billing Cycle” will have a closing date 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.

 •   “Card” means any Capital One credit card associated with 
 your Account. This includes all renewals and substitutions. 
 It also means any other access device for your Account 
 we give you that allows you to obtain credit, including any 
 Account number.

 •   “Cash Advance” means a loan in cash or things we 
 consider cash equivalents, including wire transfers, 
 traveler’s checks, money orders, foreign currency, lottery 
 tickets, gaming chips and wagers. We post Cash Advances 
 to the Cash Advance Segment of your Account and not to 
 your purchase Segment.

 •   “Fees” mean charges imposed on your Account not based 

 on the Annual Percentage Rates.

 •   “Interest Charges” mean any charges to your Account 
 based on the application of Annual Percentage Rates.

 •   “Item” means a check, draft, money order or other 

 negotiable instrument you use to pay your Account. This 
 includes any image of these instruments. This does not 
 include an Access Check.

•   “Payment Card Network” means the network provider 

 displayed on your Card. This may be Visa Inc., MasterCard 
 International Incorporated or any other network provider.
 •   “Segments” means the different parts of your Account we 
 may establish that are subject to unique APRs, pricing or 
 other terms. We create these parts of your Account for such 
 things as your purchases, Balance Transfers and Cash 
 Advances. The sum of your Segment balances equals your 
 total Account balance.

 •   “Statement” means a document showing important 

 Account information, including all transactions billed to your 
 Account during a Billing Cycle and information about what 
 you must pay. We may also refer to your Statement as a 
 “Periodic Statement” or a “Billing Statement”.

 •   “Truth-in-Lending Disclosures” means disclosures that 

 the federal Truth in Lending Act and Regulation Z require for 
 any Account. This includes your application and solicitation 
 disclosures, Account opening disclosures, subsequent 
 disclosures, Statements and change in terms notices.

 BR282197    M-113231

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 © 2015 Capital One
 Capital One is a federally registered service mark.