�
     Credit Card Agreement for Consumer 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 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 consumer credit cards issued by Capital One, 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% for 10 months.
      (APR) for Purchases   Non-introductory rates between 14.24% and 24.99%. 
                       Some Purchase APRs may vary with the market based on changes in the Prime Rate. 
      APR for Transfers  Non-introductory rates between 14.24% and 24.99%. 
                       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. 
      Penalty APR and     29.65%. 
      When It Applies 
                       Penalty APRs may vary with the market based on changes in 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 inde?nitely. 
      Paying Interest  Your due date is at least 25 days after the close of each billing cycle. We will not charge interest 
                       on new purchases, provided you have paid your previous balance in full by the due date
                       each month. We will begin charging interest on cash advances and special transfers on the 
                       transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $0.50. 
      Annual Fee  $0. 
      Transaction Fees 
      � Cash Advance Fee  The greater of either $10 or 3% of the amount of each cash advance.
      � Foreign Transaction Fee  None. 
      Penalty Fees 
      � Late Payment   Up to $35.
     � Over-the-Credit-Limit  $0. 
     How We Will Calculate Balances: We use a method called �average daily balance� (including new transactions). See How 
     Do You Calculate the Interest Charge? below for more details. 
     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 
     rate by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of each month. If the
     Journal is not published on that day, then see the immediately preceding edition. If Prime changes, your new rate will take 
     effect on your next billing period. If your offer discloses a variable rate that changes quarterly, your new rate will take effect on 
    the ?rst day of your January, April, July, and October billing periods. 
     If the APR associated with an offer is variable, the APR will equal:

     Non-introductory Purchase APR - Prime plus a margin between 10.74% and 21.49%.

     Non-introductory Transfer APR - Prime plus a margin between 10.74% and 21.49%.

     Cash Advance APR - Prime plus 19.74%.

     Penalty APR - Prime plus 26.15%.

     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 between 0.03901% and 0.06847%, Non-introductory Transfer APR between
     
     0.03901% and 0.06847%, Cash Advance APR 0.06367%, and Penalty APR would be 0.08123%.
 
      How Can I Avoid Paying Interest Charges? If you pay your statement�s �New Balance� in full by the due date, we will 
      not charge interest on any new transactions that post to the Purchase balance. If you have been paying your account
      in full with no interest charges, but then you do not pay your next �New Balance� in full, we will charge interest on the
      portion of the balance that you did not pay. For cash advances and special transfers, we will start charging interest on the 
      transaction date. 
      How Is The Interest Charge Applied? Interest charges accrue from the 1) date of the transaction, 2) date the transaction
     is processed, or 3) ?rst calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in
      full. This means you may owe interest charges even if you pay the entire �New Balance� one month, but did not do so for 
      the previous month. Unpaid interest charges are added to the proper segment of your account. However, we reserve the 
      right to not assess interest charges at any time. 
      How Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new  
     transactions). Under this method, we ?rst calculate your daily balance; for each segment, 1) take the beginning balance and ? 
      add in new transactions and the periodic interest charge on the previous day�s balance, then 2) subtract any payments and  
      credits for that segment as of that day. The result is the daily balance for each segment. However, if you paid your previous  
      month�s balance in full (or if your balance was zero or a credit amount), new transactions which post to your purchase or  
      special purchase segments are not added to the daily balances. Also, transactions that are subject to a grace period are not  
      added to the daily balances. 
     Next, to ?nd your Average Daily Balance: 1) add the daily balances together for each segment, and 2) divide the sum by the ? 
      number of days in the billing cycle. 
      At the end of each billing cycle, we determine your Interest Charge as follows: 1) multiply your Average Daily Balance by  
      the daily periodic rate (APR divided by 365) for that segment, and 2) multiply the result by the number of days in the billing  
     period. NOTE: Due to rounding or a minimum interest charge, this calculation may vary from the interest charge actually ? 
      assessed.   
     � 2016 Capital One. Capital One is a federally registered service mark. All rights reserved. Products and services offered 
     by Capital One, N.A. Capital One supports information privacy protection: see our website at www.capitalone.com. 
              �
      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 
                                             Credit Limits 
      (�Agreement�) contains the terms of your agreement 
                                             When you open your Account, we will tell you your credit 
      with Capital One. 
                                             limits. These will also appear on your Statement. We 
      De?nitions                             may also refer to your credit limits as your credit lines. 
                                             We may give you different credit limits for the different 
      The meanings of the terms you see in italics appear in 
                                             Segments of your Account. For example, you may have 
      the Glossary section at the end of this Agreement. 
                                             one credit limit for purchases and a different one for 
      As used here, �you� and �your� mean each applicant   Cash Advances. 
      and co-applicant for the Account; any person 
                                             You are responsible for keeping track of your Segment   
      responsible for paying the Account; and any person 
                                             balances and your available credit. You must manage 
      responsible for complying with this Agreement. 
                                             your Account to remain below your credit limits. We may 
      �We,� �us,� �our,� and �Capital One� mean Capital 
                                             honor transactions above your credit limits, but if we do 
      One, National Association; and its agents, authorized 
                                             these transactions will not increase your credit limit. You 
      representatives, successors, and assignees. 
                                             are responsible for paying for any transaction you make 
      Account Documents                      above your credit limits. 
      The following documents govern your Account with us: 
                                             We may also increase, decrease, restrict or cancel your 
      (1) this Agreement;                    credit limit on any Segment at any time. This will not 
      (2) all Statements;                    affect your obligation to pay us. 
      (3) any rewards program terms, conditions, and disclosures;   
                                             Using Your Account 
      (4) any privacy notices; 
                                             (1) This Agreement applies whether or not you use your    
      (5)   your  Card bene?ts brochure which describes   
                                               Card or Account. It will continue to apply even after   
         bene?ts provided by the Payment Card Network for 
                                               your Account is closed, as long as you have a balance. 
         your Account; 
                                             (2) You must sign the Card immediately when you   
      (6) all disclosures and materials provided to you before   
                                               receive it. 
         or when you opened your Account; 
                                             (3) You must return the Card to us or destroy it if we ask   
      (7) any other documents and disclosures relating to your   
                                               you to. 
         Account, including those provided online; and 
                                             (4) You must take reasonable steps to prevent the   
      (8) any future changes we make to any of the above.   
                                               unauthorized use of your Card, Access Checks and 
      Please read these carefully and keep them for     Account. 
      future reference.                      (5) We may decline to authorize a transaction for any   
                                               reason. This may occur even if the transaction would 
      New Offers 
                                               not cause you to go over your credit limit or your 
      In the future, we may provide you with new offers that 
                                               Account is not in default. 
      we think may interest you. The terms of these offers may 
                                             (6) We are not responsible for any losses you incur if we   
      differ from the standard terms on your Account. This 
                                               do not authorize a transaction. 
      Agreement will still apply. 
                                             (7) We are not responsible for any losses you incur if   
                                               anyone refuses to accept your Card for any reason. 
      Account Information 
                                             (8) Unless we tell you otherwise, we will bill each   
      We need information about you to manage your 
                                               transaction to the applicable Segment of your 
      Account. This includes: 
                                               Account. We will apply it against your available credit 
      (1) your legal name;                     for that Segment. 
      (2) a valid U.S. mailing address and residential address     (9) You may obtain Cash Advances and Transfers as   
         (if different);                       permitted for your Account. You may not use these to 
      (3) your date of birth;                  pay any amount you owe us or any other company in 
      (4) your Social Security number or other government     the Capital One organization. 
         identi?cation number;               (10) You must not use, or try to use, the Card for any   
      (5) your telephone number(s); and         illegal activity. You are responsible for any charges if 
      (6) your employment and income information.   you do. 
                                             (11) We are not liable for any losses that may result   
      You must tell us when this information changes. We may 
                                                when our services are unavailable due to reasons 
      ask you for additional documents to verify any changes. 
                                                beyond our control. 
                                           1 
      Rewards                               Authorized Users 
      Your Account may provide you with the opportunity to   If you ask us to issue a Card to any other person, 
      earn rewards. If it does, we will separately provide you   they are an Authorized User. We may require certain 
      with information and terms about the rewards.   information about them. We may limit their ability to use 
                                             your Card. They may have access to certain information 
      Access Checks 
                                             about your Account. You will be responsible for their use 
      We may provide you with Access Checks. If we do, we   of the Account and anyone else they allow to use your 
      will tell you at the time if we consider them purchases,   Account, even if you did not want, or agree to, that use. 
      Cash Advances or Special Transfers. 
                                             Removing an Authorized User 
      Only the person we designate may use Access Checks. 
                                             If you want to remove an Authorized User from your   
      You may not use them to pay any amount you owe us or 
                                             Account, you must contact Customer Service and request   
      any other company in the Capital One organization. We 
                                             their removal. You also must immediately destroy all Cards   
      may reject and not pay any Access Check if: 
                                             in their possession and cancel any arrangements they may   
      (1)     your  Account is past due, charged off, bankrupt, lost/   have set up on your Account. They will be able to use your   
         stolen or closed;                   Account until you have noti?ed us that you are removing   
      (2) we suspect fraud;                  them from your Account. During this time, you will still be   
      (3) your Account is over the credit limit; or   responsible for all amounts they charge to your Account. You   
      (4) the check has expired, is damaged or cannot     will be responsible even if these amounts do not appear on   
         otherwise be processed.             your Account until later.   
      Our liability if we do not pay an Access Check will never   Authorized Users may remove themselves from your 
      be more than (1) your actual damages or (2) the amount   Account upon request. We reserve the right to remove 
      of the Access Check, whichever is less.   them from your Account for any reason. To remove them 
                                             from your Account, we may close your existing Account   
      Use of an Access Check is not the same as using your 
                                             and issue a new Card with a new Account number. 
      Card. When you use an Access Check, you will have 
      fewer rights to dispute merchant transactions than   Your Promise to Pay 
      with uses of your Card. Please see the �Billing Rights 
                                             You promise to pay us all amounts due on your Account. 
      Summary� on your Statement and your other Truth-in-
                                             This includes amounts where you did not sign a purchase   
      Lending Disclosures for more information. 
                                             slip or other documents for the transaction. We will treat   
                                             transactions made without presenting your actual Card   
      Stopping Payment of Access Checks 
                                             (such as for mail, telephone, Internet, or mobile device   
      You may request a stop payment on any Access Check   
                                             purchases) the same as if you used the Card in person. If   
      by contacting Customer Service. 
                                             you let someone else use your Card, you are responsible   
      We will have a reasonable amount of time after your   for all transactions that person makes.   
      stop payment request to research and complete the 
                                             Statements 
      stop payment. We will not be responsible if we cannot 
      complete the stop payment. Reasons include:   We will generally send or make available to you one 
                                             Statement for all Cards on your Account at the end of 
      (1) the Access Check was already paid; 
                                             each Billing Cycle. Under certain circumstances, the law 
      (2) you do not give us the information we asked for; or   
                                             may not require us to send or make available to you a 
      (3) the information you gave us was incorrect. 
                                             Statement, or may prohibit us from doing so. 
      We do not have to release the stop payment order unless 
                                             Disputed Transactions 
      the account holder who made the request asks us to. 
      If we re-credit your Account after a valid stop payment   You must inspect each Statement you receive. Tell us 
      order, you give us all of your rights against the payee or   about any errors or questions you have, as described 
      other holder of the paid Access Check. You also agree to   in the �Billing Rights Summary� on your Statement and 
      help us in any legal action we may later take against the   other Truth-in-Lending Disclosures. If you do not notify 
      payee or other holder of the check.    us of an error, we will assume that all information on the 
                                             Statement is correct. 
      Using a PIN 
                                             If we credit your Account for all or part of a disputed 
      We may give you a personal identi?cation number (PIN). 
                                             transaction, you give us all of your rights against others 
      For security reasons, you may have to provide the PIN 
                                             regarding that transaction. You will also: 
      before you are able to use your Card. 
                                             (1) give us any information about the disputed   
      Keep your PIN secure. Do not write it down, give it 
                                               transaction, if we ask; 
      to anyone, or keep it with your Card. If you lose your 
                                             (2) not pursue any claim or reimbursement of the   
      Card or believe the con?dentiality of your PIN has 
                                               transaction amount from the merchant or any other 
      been compromised for any reason, you must contact 
                                               person; and 
      Customer Service immediately. 
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       (3) help us get reimbursement from others.  Stop Payment Fee 
                                             We may charge you this Fee each time you ask us to 
      No Warranties 
                                             (1) stop payment on an Access Check or (2) renew an 
      We are not responsible for any claim you may have 
                                             existing stop payment order. 
      regarding the purchase of goods or services made with 
      your Card beyond your rights described in the �Billing   Cash Advance Fee 
      Rights Summary� on your Statement. 
                                             We may charge you this Fee each time you take out a 
                                             Cash Advance. We will treat this Fee as a Cash Advance   
      Lost or Stolen Card 
                                             transaction. 
      If your Card is lost or stolen or if you think someone else   
      may be using your Card or Account number without your     Transfer Fee 
      permission, you must contact Customer Service immediately.   
                                             We may charge you this Fee each time you make a 
      You will not be responsible for transactions on your Account   
                                             Transfer. We will charge the Fee to the same Segment   
      that we ?nd are unauthorized. 
                                             where we post the Transfer. 
      If we reimburse you for unauthorized transactions, you 
                                             Transactions Made in Foreign Currencies 
      will help us investigate, pursue and get reimbursement 
                                             If you make a transaction in a foreign currency, the 
      from the wrongdoer. Your help includes giving us 
                                             Payment Card Network will convert it into a U.S. dollar 
      documents in a form that we request. 
                                             amount. The Payment Card Network will use its own 
      Interest Charges and Fees              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-Lending     in effect on the transaction date that appears on your 
      Disclosures. In general, Interest Charges begin to accrue     Statement. We do not adjust the currency exchange rate 
      from the day a transaction occurs. However, we will not     or charge any currency conversion Fees. 
      charge you interest on any new transactions posted to the   
                                             Minimum Payment 
      purchase Segment of your Account if you paid the total   
                                             You must pay us at least the minimum payment amount 
      balance across all Segments of your Account in full by   
                                             by the payment due date. Your Statement will tell you: 
      the due date on your Statement each month. From time   
      to time, we may give you offers that allow you to pay less     (1) the minimum payment due, 
      than the total balance and avoid Interest Charges on new     (2) your new balance, 
      purchase Segment transactions. If we do, we will provide     (3) the payment due date, and 
      details in the speci?c offer.          (4) an explanation of when the payment must reach us   
                                               for us to consider it received as of that date. 
      We will generally treat Fees as purchase transactions 
      unless otherwise speci?ed below. These Fees apply to   Returns and other credits to your Account will reduce 
      your Account only if your Truth-in-Lending Disclosures     your Account balance, but they will not change your 
      provide for them. We may increase your Interest Charges     minimum payment amount. 
      and Fees as described in the Changes to Your Agreement   
                                             In addition to the minimum payment, you may pay 
      section or in your Truth-in-Lending Disclosures. 
                                             all or part of the total balance on your Account. But, 
      Membership Fee                         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 
      Returned Payment Fee                   other credit account with us or any other company in 
      We may charge you this Fee each time your ?nancial     the Capital One organization. You must send mailed 
      institution for any reason rejects a payment you make to us.   payments to us as instructed on your Statement, unless 
                                             we tell you otherwise. 
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      Other Payment Services                 Capital One   
                                             PO Box 1330   
      We may make services available that allow you to make 
                                             Charlotte, NC 28201-1330 
      faster or recurring payments online or by telephone. We 
      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 
                                             and return it to you. We may also accept it and process 
      If you ask someone else to make a payment for you, 
                                             it without losing any of our rights. 
      we may provide that person with limited Account   
      information necessary to set up and process that 
                                             Credit Balances 
      payment. We may also refuse to accept that payment. If 
                                             We may reject and return any payment that creates or adds   
      we do accept it, you will be responsible for that payment 
                                             to a credit balance on your Account. Any credit balance   
      even if a ?nancial institution rejects it. 
                                             we allow will not be available until we con?rm that your   
      Payment Processing                     payment has cleared. We may reduce the amount of any   
                                             credit balance by any new charges. You may write to the   
      We may accept and process payments without losing 
                                             address provided on your Statement or call Customer   
      any of our rights. We may delay the availability of 
                                             Service to request a refund of any available credit balance. 
      credit until we con?rm that your payment has cleared. 
      This may happen even if we credit your payment to 
                                             Account Default 
      your Account. We may resubmit and collect returned 
                                             You will be in default if: 
      payments electronically. If necessary, we may adjust 
      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   
                                               cannot be processed; 
      When you send us an Item as payment, you authorize 
                                             (3) you exceed a credit limit; 
      us to make a one-time electronic fund transfer from 
                                             (4) 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 
                                             (5) 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 
                                             (6) 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; 
      We may use the information from an Item to create an     (7) you do not comply with any term of this Agreement   
      electronic image. We may collect and return the image     or any other agreement with us; or 
      electronically. This electronic image may also be converted     (8) you permanently reside outside the United States.   
      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 may have Segments with different Annual   your Account, if provided in your Truth-in-Lending 
      Percentage Rates (APR). For example, purchases may   Disclosures; 
      have a lower APR than Cash Advances. If your Account     (2) close or suspend your Account; 
      has Segment balances with different APRs, here is how   (3) lower your credit limit(s); 
      we apply payments in a Billing Cycle:   (4) demand that you immediately pay the total balance   
                                               owing on your Account; 
      (1) We generally apply credits and payments up to   
                                             (5) continue to charge you Interest Charges and Fees as   
         your minimum payment ?rst to the balance with the 
                                               long as your balance remains outstanding; and/or 
         lowest APR, and then to balances with higher APRs. 
                                             (6) ?le a lawsuit against you, or pursue another action that    
      (2) We apply any part of your payment exceeding your   
                                               is not prohibited by law. If we ?le a lawsuit, you agree to   
         minimum payment to the balance with the highest 
                                               pay our court costs, expenses and attorney fees, unless   
         APR, and then to balances with lower APRs. 
                                               the law does not allow us to collect these amounts. 
      Items with Restrictive Words, Conditions,   
                                             Communications 
      or Instructions 
                                             You agree that we may communicate with you by mail, 
      You must mail all Items bearing restrictive words, 
                                             telephone, email, fax, prerecorded message, automated
      conditions, limitations, or special instructions to: 
                                           4 
       voice, text message or other means allowed by law  Waiver 
       regarding your Account. 
                                             We will not lose any of our rights if we delay or choose 
       You agree that we may contact you at any telephone   not to take any action for any reason. We may waive our 
       number (including a mobile telephone number that   right without notifying you. For example, we may waive 
       you provide us), and use an automated telephone   your Interest Charges or Fees without notifying you and 
       dialing system or similar device to do so. You agree that   without losing our right to charge them in the future. 
       we may monitor or record any conversation or other 
                                             Assignment 
       communication with you. 
                                             This Agreement will be binding on, and bene?t, any of 
      Credit Reports                         your and our successors and assigns. You may not sell, 
      We may report information about your Account to credit   assign or transfer your Account or this Agreement to 
      bureaus and others. Late payments, missed payments,   someone else without our written permission. 
      or other defaults on your Account may be re?ected in 
                                             We may sell, assign or transfer your Account and this 
      your credit report. Information we provide may appear 
                                             Agreement without your permission and without prior 
      on your and the Authorized Users� credit reports. 
                                             notice to you. Any assignee or assignees will take our 
      If you believe that we have reported inaccurate   place under this Agreement. You must pay them and 
      information about your Account to a credit bureau or   perform all of your obligations to them and not us. If you 
      other consumer reporting agency, notify us in writing at   pay us after we notify you that we have transferred your 
      PO Box 30281, Salt Lake City, UT 84130-0281. When   Account or this Agreement, we can return the payment 
      you write, tell us the speci?c information that you believe   to you, forward the payment to the assignee, or handle it 
      is incorrect and why you believe it is incorrect.   in another way that is reasonable. 
      We may obtain and use credit, income and other information     Glossary 
      about you from credit bureaus and others as the law allows.     ��Access Check� means any check we send to you to   
                                              access credit from your Account. We may also refer 
      Closing or Suspending Your Account 
                                              to an Access Check as a �convenience check� or a 
      You may contact Customer Service to ask us to close 
                                              �purchase check�. 
      your Account. 
                                             ��Account� means your Card Account with us.   
      We may close or suspend your Account at any time and for   
      any reason permitted by law, even if you are not in default.     ��Authorized User� means a person who may use the   
                                              Card, but is not responsible for the repayment of the 
      If we close or suspend your Account for any reason, 
                                              Account. 
      you must stop using your Card. You must also cancel all 
      billing arrangements set up on the Account. If we close   ��Balance Transfer� means a Transfer posted to the   
      or permanently suspend your Account, you must return   purchase Segment of your Account unless otherwise 
      or destroy all Cards. You must still pay us all amounts   described in your Truth-in-Lending Disclosures. 
      you owe on the Account. 
                                             ��Billing Cycle� means the period of time re?ected on   
                                              a Statement. This period may vary in length, but is 
      Changes to Your Agreement 
                                              approximately 30 days. You will have a Billing Cycle   
      At any time, we may add, delete or change any term of 
                                              even if a Statement is not required. We will often 
      this Agreement, unless the law prohibits us from doing 
                                              specify a Billing Cycle by the month in which its closing 
      so. We will give you notice of any changes as required 
                                              date occurs. For example, a �March Billing Cycle� will 
      by law. We may notify you of changes on your Statement   
                                              have a closing date in March. We may also refer to 
      or in a separate notice. Our notice will tell you when and 
                                              a Billing Cycle as a �Billing Period�. If your Account   
      how the changes will take effect. The notice will describe 
                                              balance has charged off, we may switch to quarterly 
      any rights you have in connection with the changes. 
                                              Billing Cycles for your Account. 
      Your variable APRs (if applicable) can go up or down as 
                                             ��Card� means any Capital One credit card associated   
      the index for the rate goes up or down. If we increase 
                                              with your Account. This includes all renewals and 
      your APRs for any other reason, or if we change your 
                                              substitutions. It also means any other access device 
      Fees or other terms of your Account, we will notify you 
                                              for your Account we give you that allows you to obtain 
      as required by law. 
                                              credit, including any Account number. 
      The Law That Applies to Your Agreement 
                                             ��Cash Advance� means a loan in cash or things we   
      We make decisions to grant credit and issue you a Card     consider cash equivalents, including wire transfers, 
      from our of?ces in Virginia. This Agreement is governed   travelers� checks, money orders, foreign currency, 
      by applicable federal law and by Virginia law. If any part   lottery tickets, gaming chips, and wagers. We post 
      of this Agreement is unenforceable, the remaining parts   Cash Advances to the Cash Advance Segment of your 
      will remain in effect.                  Account and not to your purchase Segment. 
                                           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.
 
      BR281644  M-112861                   6                       COF Customer Agreement 305