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     Credit Card Agreement for Capital One  Walmart Rewards  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 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). 
      Annual Percentage Rate 
      Annual Percentage Rate
                       17.99% - 26.99%. 
      (APR) for Purchases,
      Quick Cash and Transfers   This APR will vary with the market based on the Prime Rate. 
      APR for Cash Advances  26.99%. 
                        This APR will vary with the market based on the Prime Rate. 
      Paying Interest  Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
                       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 transfers on the 
                       transaction date. 
      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. 
      Fees 
      Annual Fee  None. 
      Transaction Fees 
      � Transfer       3% of the amount of each transferred balance that posts to your account at a promotional APR 
                       that we may offer you. 
                       None for balances transferred at the Transfer APR. 
      � Cash Advance   Either $10 or 3% of the amount of each cash advance, whichever is greater. 
      Penalty Fees 
      � Late Payment  Up to $39. 
     How Do You Calculate My Balance? We use a method called �average daily balance (including new transactions).� See 
     �How Do You Calculate The Interest Charge?� section below. 
     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 when the Prime Rate changes. We calculate   
     variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December, 
     March, June and September. If the Journal is not published on that day, then see the immediately preceding edition. Variable 
     rates on the following segment(s) will be updated quarterly and will take effect on the ?rst day of your January, April, July and 
     October billing periods: Purchase, Quick Cash and Transfer APR: Prime plus 14.74% - 23.74%; Cash Advance APR: Prime 
     plus 23.74%. 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, Quick Cash  
     and Transfer APR is 0.04929% - 0.07395%, and Cash Advance APR is 0.07395%. See �How Do You Calculate The Interest 
     Charge?� section below. 
     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 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. 
     � 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. 
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     Capital One  Customer Agreement 
      Welcome to Capital One                Credit Limits 
     Thank you for opening a credit card account with us.  When you open your Account, we will tell you your credit   
     This Customer Agreement, including any changes to it  limits. These will also appear on your Statement. We may   
     (�Agreement�), contains the terms of your agreement  also refer to your credit limits as your credit lines. We   
     with Capital One.                      may give you different credit limits for different types of   
                                            transactions or for the different Segments of your Account. 
     De?nitions 
                                            You are responsible for keeping track of your Segment   
     The meanings of the terms you see in italics appear in   
                                            balances and your available credit. You must manage 
     the Glossary section at the end of this Agreement. 
                                            your Account to remain below your credit limits. We may 
     As used here, �you� and �your� mean each applicant    honor transactions above your credit limits, but if we do 
     and co-applicant for the Account; any person responsible    these transactions will not increase your credit limit. You 
     for paying the Account; and any person responsible for    are responsible for paying for any transaction you make 
     complying with this Agreement. �We,� �us,� �our,� and    above your credit limits. 
     �Capital One� mean Capital One, National Association;   
                                            We may also increase, decrease, restrict or cancel your 
     and its agents, authorized representatives, successors,   
                                            credit limit on any Segment at any time. This will not 
     and assignees. 
                                            affect your obligation to pay us. 
     Account Documents 
                                            Using Your Account 
     The following documents govern your Account with us: 
                                            (1) This Agreement applies whether or not you use your    
     (1) this Agreement;                      Card or Account. It will continue to apply even after   
     (2) all Statements;                      your Account is closed, as long as you have a balance. 
     (3) any rewards program terms, conditions, and disclosures;    (2) You must sign the Card immediately when you   
     (4) any privacy notices;                 receive it. 
     (5)    your Card bene?ts brochure which describes  (3) You must return the Card to us or destroy it if we ask   
        bene?ts provided by the Payment Card Network for  you to. 
        your Account;                       (4) You must take reasonable steps to prevent the   
     (6) all disclosures and materials provided to you before    unauthorized use of your Card, Access Checks    
        or when you opened your Account;      and Account. 
     (7) any other documents and disclosures relating to your     (5) We may decline to authorize a transaction for any   
        Account, including those provided online; and  reason. This may occur even if the transaction would 
     (8) any future changes we make to any of the above.     not cause you to go over your credit limit or your 
                                              Account is not in default. 
     Please read these carefully and keep them for   
                                            (6) We are not responsible for any losses you incur if we   
     future reference. 
                                              do not authorize a transaction. 
     New Offers                             (7) We are not responsible for any losses you incur if    
     In the future, we may provide you with new offers that we    anyone refuses to accept your Card for any reason. 
     think may interest you. The terms of these offers may differ    (8) Unless we tell you otherwise, we will bill each   
     from the standard terms on your Account. This Agreement    transaction to the applicable Segment of your 
     will still apply.                        Account. We will apply it against your available credit 
                                              for that Segment. 
     Account Information                    (9) You may obtain Quick Cash at participating Walmart�  
     We need information about you to manage your  owned registers as permitted for your Account. 
     Account. This includes:                (10) You must not use, or try to use, the Card for any   
                                               illegal activity. You are responsible for any charges   
     (1) your legal name; 
                                               if you do. 
     (2) a valid U.S. mailing address and residential address   
                                            (11) We are not liable for any losses that may result   
        (if different); 
                                               when our services are unavailable due to reasons 
     (3) your date of birth; 
                                               beyond our control. 
     (4) your Social Security number or other government   
                                            (12) You may use your Account for purchases anywhere   
        identi?cation number; 
                                               Mastercard is accepted, and you may obtain Cash 
     (5) your telephone number(s); and 
                                               Advances and Transfers as permitted for your 
     (6) your employment and income information. 
                                               Account. You may not use these to pay any   
     You must tell us when this information changes. We may  amount you owe us or any other company in   
     ask you for additional documents to verify any changes.  the Capital One organization. 
     We may restrict or close your Account if we cannot verify 
     your information, or if you do not provide it as requested. 
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     Rewards                                Your Promise to Pay 
     Your Account may provide you with the opportunity to  You promise to pay us all amounts due on your Account. 
     earn rewards. If it does, we will separately provide you  This includes amounts where you did not sign a purchase   
     with information and terms about the rewards.  slip or other documents for the transaction. We will treat   
                                            transactions made without presenting your actual Card   
     Promotional Credit Plans 
                                            (such as for mail, telephone, Internet, or mobile device   
     From time to time, we may offer one or more  purchases) the same as if you used the Card in person. If   
     promotional Segments prior to or at the time of your  you let someone else use your Card, you are responsible   
     purchase. Only certain purchases may be eligible for  for all transactions that person makes.   
     promotional Segments. These offers may have special 
     repayment terms and are conditioned on your timely  Statements 
     payment of at least the requirement payment amount  We will generally send or make available to you one 
     each Billing Cycle.                    Statement for all Cards on your Account at the end of 
                                            each Billing Cycle. Under certain circumstances, the law 
       1. Waived Interest Charge - With this offer there are 
   
                                            may not require us to send or make available to you a 
        no Interest Charges on your purchases for a 

                                            Statement, or may prohibit us from doing so. 
        speci?ed period.
 
       2. Reduced Rate - With this offer, you will receive a 
   Disputed Transactions 
        reduced Annual Percentage Rate (APR) on your 
 You must inspect each Statement you receive. Tell us 
        purchase for a speci?ed period. 
   about any errors or questions you have, as described 
     Using a PIN                            in the �Billing Rights Summary� on your Statement and 
                                            other Truth-in-Lending Disclosures. If you do not notify 
     We may give you a personal identi?cation number (PIN).   
                                            us of an error, we will assume that all information on the 
     For security reasons, you may have to provide the PIN   
                                            Statement is correct. 
     before you are able to use your Card. 
                                            If we credit your Account for all or part of a disputed 
     Keep your PIN secure. Do not write it down, give it 
                                            transaction, you give us all of your rights against others 
     to anyone, or keep it with your Card. If you lose your 
                                            regarding that transaction. You will also: 
     Card or believe the con?dentiality of your PIN has 
     been compromised for any reason, you must contact  (1) give us any information about the disputed   
     Customer Service immediately.            transaction, if we ask; 
                                            (2) not pursue any claim or reimbursement of the   
     Authorized Users 
                                              transaction amount from the merchant or any other 
     If you ask us to issue a Card to any other person, 
                                              person; and 
     they are an Authorized User. We may require certain 
                                            (3) help us get reimbursement from others. 
     information about them. We may limit their ability to use 
     your Card. They may have access to certain information  No Warranties 
     about your Account. You will be responsible for their use  We are not responsible for any claim you may have 
     of the Account and anyone else they allow to use your  regarding the purchase of goods or services made with 
     Account, even if you did not want, or agree to, that use.  your Card beyond your rights described in the �Billing 
                                            Rights Summary� on your Statement. 
     Removing an Authorized User 
     If you want to remove an Authorized User from your  Lost or Stolen Card 
     Account, you must contact Customer Service and  If your Card is lost or stolen or if you think someone else 
     request their removal. You also must immediately  may be using your Card or Account number without 
     destroy all Cards in their possession and cancel any  your permission, you must contact Customer Service 
     arrangements they may have set up on your Account.  immediately. You will not be responsible for transactions 
     They will be able to use your Account until you have  on your Account that we ?nd are unauthorized. 
     noti?ed us that you are removing them from your 
                                            If we reimburse you for unauthorized transactions, you will   
     Account. During this time, you will still be responsible 
                                            help us investigate, pursue and get reimbursement from   
     for all amounts they charge to your Account. You will be 
                                            the wrongdoer. Your help includes giving us documents in   
     responsible even if these amounts do not appear on your 
                                            a form that we request.   
     Account until later. 
     Authorized Users may remove themselves from your  Interest Charges and Fees 
     Account upon request. We reserve the right to remove  We will charge Interest Charges and Fees to your Account   
     them from your Account for any reason. To remove them  as disclosed on your Statement and other Truth-In-
     from your Account, we may close your existing Account    Lending Disclosures. In general, Interest Charges begin   
     and issue a new Card with a new Account number.  to accrue on any unpaid amount from the date of the   
                                            transaction, date the transaction is processed or the ?rst   
                                           2 
      day of the Billing Cycle. However, we will not charge you    In addition to the minimum payment, you may pay 
      interest on any new transactions posted to the purchase    all or part of the total balance on your Account. But, 
      Segment of your Account if you pay your �New Balance�    you must still pay at least the minimum payment 
      in full by the due date on your Statement each month. If    amount each month, even if you paid more than the 
      you did not pay your �New Balance� in full when due for    minimum payment due on the previous Statement. We 
      a Billing Cycle, interest will continue to accrue between    will continue to charge Interest Charges during Billing 
      the time that we calculate your �New Balance,� as    Cycles when you carry a balance regardless of whether 
      re?ected on your Statement, and when we receive your    your Statement includes a minimum payment that is 
      payment. This interest will post on your next Statement.  due. If your Account is 180 days past due, is part of a 
      That is why if you start accruing Interest Charges, you    bankruptcy proceeding or is otherwise charged off, the 
      generally must pay your �New Balance� in full for two    total balance is immediately due and payable. 
      consecutive Billing Cycles before Interest Charges stop   
                                            Making Payments 
      posting to your Statement. Please note, however, that   
      Interest Charges will begin accruing immediately for any    Your payment must be made in U.S. dollars from a U.S.   
      Cash Advances and other transactions that do not post    deposit account in a form acceptable to us. We do not   
      to the purchase Segment. From time to time, we may    accept cash payments through the mail. You may not   
      provide you offers that allow you to pay less than the    make payments with funds from your Account or any other   
      �New Balance� in full and avoid Interest Charges on new    credit account with us or any other company in the Capital   
      purchase Segment transactions. If we do, we will provide    One organization. You must send mailed payments to us as   
      details in the speci?c offer.         instructed on your Statement, unless we tell you otherwise.   
      We will generally treat Fees as purchase transactions  Other Payment Services 
      unless otherwise speci?ed below. These Fees apply to  We may make services available that allow you to make   
      your Account only if your Truth-in-Lending Disclosures    faster or recurring payments online or by telephone. We   
      provide for them. We may increase your Interest Charges    will describe the terms for using these services and any   
      and Fees as described in the Changes to Your Agreement    applicable Fee before you use them. You do not have to   
      section or in your Truth-in-Lending Disclosures.  use these other payment services.   
     Membership Fee                         We are not responsible if your ?nancial institution rejects 
     If your Account has a membership Fee, we may charge  a payment made using our payment services. 
     the ?rst membership Fee either on the day you activate 
                                            If you ask someone else to make a payment for you, we   
     your Card or on the day when you use your Account, 
                                            may provide that person with limited Account information   
     whichever occurs ?rst. If your Account terms include a 
                                            necessary to set up and process that payment. We may   
     $0 introductory Fee, we may charge the ?rst Fee when 
                                            also refuse to accept that payment. If we do accept   
     the introductory period ends. If it is an annual Fee, we 
                                            it, you will be responsible for that payment even if a   
     may then charge it approximately once per year. If it is a 
                                            ?nancial institution rejects it.   
     monthly Fee, we may charge it each Billing Cycle. 
                                            Payment Processing 
     Late Payment Fee 
                                            We may accept and process payments without losing 
     We may charge you this Fee if we do not receive 
                                            any of our rights. We may delay the availability of 
     your payment as instructed on your Statement by the 
                                            credit until we con?rm that your payment has cleared. 
     payment due date. 
                                            This may happen even if we credit your payment to 
                                            your Account. We may resubmit and collect returned 
     Returned Payment Fee 
                                            payments electronically. If necessary, we may adjust 
     We may charge you this Fee each time your ?nancial 
                                            your Account to correct errors, process returned and 
     institution for any reason rejects a payment you make   
                                            reversed payments, and handle similar issues. 
     to us. 
                                            When you send us an Item as payment, you authorize 
     Minimum Payment 
                                            us to make a one-time electronic fund transfer from 
     You must pay us at least the minimum payment amount  your deposit account. You also authorize us to process 
     by the payment due date. Your Statement will tell you:  the payment as an Item. We may withdraw the funds 
                                            from your deposit account as early as the same day 
     (1) the minimum payment due, 
                                            we receive your payment. You will not receive your 
     (2) your new balance, 
                                            Item back from your bank. We will provide additional 
     (3) the payment due date, and 
                                            information about this process on your Statement. 
     (4) an explanation of when the payment must reach us   
        for us to consider it received as of that date.  We may use the information from an Item to create an   
                                            electronic image. We may collect and return the image   
     Returns and other credits to your Account will reduce 
                                            electronically. This electronic image may also be converted   
     your Account balance, but they will not change your 
                                            to a substitute check and may be processed in the same   
     minimum payment amount. 
                                           3 
     way we would process an Item. We will not be responsible    (7) you do not comply with any term of this Agreement   
     if an Item you provide has physical features that when    or any other agreement with us; or 
     imaged result in it not being processed as you intended.    (8) you permanently reside outside the United States.   
     How We Apply Your Payments             If you are in default, we may take certain actions with   
                                            respect to your Account. For example, depending on the   
     Your Account may have Segments with different Annual 
                                            default, we may take the following actions, without notifying   
     Percentage Rates (APR). For example, purchases 
                                            you, unless the law says that we must give you notice:   
     (including Quick Cash) may have a lower APR than 
     Cash Advances. If your Account has Segment balances  (1) charge you Fees, or change the APRs and Fees on   
     with different APRs, here is how we apply payments in a  your Account, if provided in your Truth-in-Lending 
     Billing Cycle:                           Disclosures; 
                                            (2) close or suspend your Account; 
     (1) We generally apply credits and payments up to your    
                                            (3) lower your credit limit(s); 
        minimum payment ?rst to the balance with the lowest   
                                            (4) demand that you immediately pay the total balance   
        APR, and then to balances with higher APRs.   
                                              owing on your Account; 
     (2) We apply any part of your payment exceeding your    
                                            (5) continue to charge you Interest Charges and Fees as    
        minimum payment to the balance with the highest   
                                              long as your balance remains outstanding; and/or 
        APR, and then to balances with lower APRs. 
                                            (6) ?le a lawsuit against you, or pursue another action that    
     Items with Restrictive Words, Conditions,    is not prohibited by law. If we ?le a lawsuit, you agree to   
     or Instructions                          pay our court costs, expenses and attorney fees, unless   
                                              the law does not allow us to collect these amounts. 
     You must mail all Items bearing restrictive words, 
     conditions, limitations, or special instructions to: 
                                            Communications 
     Capital One                            You agree that we may communicate with you by mail, 
     PO Box 1330                            telephone, email, fax, prerecorded message, automated 
     Charlotte, NC 28201-1330               voice, text message or other means allowed by law 
                                            regarding your Account. 
     This includes Items marked �Paid in Full� or similar 
     language. This also includes all accompanying  You agree that we may contact you at any telephone 
     communications.                        number (including a mobile telephone number that 
                                            you provide us), and use an automated telephone 
     If you make such a payment or send any accompanying 
                                            dialing system or similar device to do so. You agree that 
     communications to any other address, we may reject it 
                                            we may monitor or record any conversation or other 
     and return it to you. We may also accept it and process 
                                            communication with you. 
     it without losing any of our rights. 
                                            Some of our communications, including this Agreement,   
     Credit Balances 
                                            are available in both English and Spanish. You will be   
     We may reject and return any payment that creates or  given the opportunity to select which of these language   
     adds to a credit balance on your Account. Any credit  you would prefer for future communications. Capital One   
     balance we allow will not be available until we con?rm  reserves the right to send communications in English.   
     that your payment has cleared. We may reduce the  Some online services and other important communications   
     amount of any credit balance by any new charges. You  about your Account may only be available in English. You   
     may write to the address provided on your Statement    should review all communications we send to you in both   
     or call Customer Service to request a refund of any  languages, as they may contain important information   
     available credit balance.              about your Account. 
     Account Default                        Credit Reports 
     You will be in default if:             We may report information about your Account to credit   
                                            bureaus and others. Late payments, missed payments, or   
     (1) you do not make any payment when it is due; 
                                            other defaults on your Account may be re?ected in your   
     (2) any payment you make is rejected, not paid or   
                                            credit report. Information we provide may appear on your   
        cannot be processed; 
                                            and the Authorized Users� credit reports. 
     (3) you exceed a credit limit; 
     (4) you ?le or become the subject of a bankruptcy or    If you believe that we have reported inaccurate information   
        insolvency proceeding;              about your Account to a credit bureau or other consumer   
     (5) you are unable or unwilling to repay your obligations,    reporting agency, notify us in writing at PO Box 30281,   
        including upon death or legally declared incapacity;  Salt Lake City, UT 84130-0281. When you write, tell us the   
     (6) we determine that you made a false, incomplete or    speci?c information that you believe is incorrect and why   
        misleading statement to us, or you otherwise tried to  you believe it is incorrect.   
        defraud us; 
                                           4 
      We may obtain and use credit, income and other  Access Checks 
      information about you from credit bureaus and others as 
                                            We may provide you with Access Checks. If we do, we 
      the law allows. 
                                            will tell you at the time if we consider them purchases, 
                                            Cash Advances or Special Transfers. 
     Closing or Suspending Your Account 
     You may contact Customer Service to ask us to close  Only the person we designate may use Access Checks. 
     your Account.                          You may not use them to pay any amount you owe us or 
                                            any other company in the Capital One organization. We 
     We may close or suspend your Account at any time   
                                            may reject and not pay any Access Check if: 
     and for any reason permitted by law, even if you are   
     not in default.                        (1) your Account is past due, charged off, bankrupt,    
                                              lost/stolen or closed; 
     If we close or suspend your Account for any reason, 
                                            (2) we suspect fraud; 
     you must stop using your Card. You must also cancel all 
                                            (3) your Account is over the credit limit; or 
     billing arrangements set up on the Account. If we close 
                                            (4) the check has expired, is damaged or cannot   
     or permanently suspend your Account, you must return 
                                              otherwise be processed. 
     or destroy all Cards. You must still pay us all amounts 
     you owe on the Account.                Our liability if we do not pay an Access Check will never 
                                            be more than (1) your actual damages or (2) the amount 
     Changes to Your Agreement 
                                            of the Access Check, whichever is less. 
     At any time, we may add, delete or change any term of 
                                            Use of an Access Check is not the same as using your 
     this Agreement, unless the law prohibits us from doing 
                                            Card. When you use an Access Check, you will have 
     so. We will give you notice of any changes as required 
                                            fewer rights to dispute merchant transactions than 
     by law. We may notify you of changes on your Statement   
                                            with uses of your Card. Please see the �Billing Rights 
     or in a separate notice. Our notice will tell you when and 
                                            Summary� on your Statement and your other Truth-in-
     how the changes will take effect. The notice will describe 
                                            Lending Disclosures for more information. 
     any rights you have in connection with the changes. 
     Your variable APRs (if applicable) can go up or down as the    Stopping Payment of Access Checks 
     index for the rate goes up or down. If we increase your APRs    You may request a stop payment on any Access Check   
     for any other reason, or if we change your Fees or other    by contacting Customer Service. 
     terms of your Account, we will notify you as required by law. 
                                            We will have a reasonable amount of time after your 
     The Law That Applies to Your Agreement  stop payment request to research and complete the 
                                            stop payment. We will not be responsible if we cannot 
     We make decisions to grant credit and issue you a Card   
                                            complete the stop payment. Reasons include: 
     from our of?ces in Virginia. This Agreement is governed 
     by applicable federal law and by Virginia law. If any part  (1) the Access Check was already paid; 
     of this Agreement is unenforceable, the remaining parts  (2) you do not give us the information we asked for; or   
     will remain in effect.                 (3) the information you gave us was incorrect. 
     Waiver                                 We do not have to release the stop payment order unless 
     We will not lose any of our rights if we delay or choose  the account holder who made the request asks us to. 
     not to take any action for any reason. We may waive our  If we re-credit your Account after a valid stop payment 
     right without notifying you. For example, we may waive  order, you give us all of your rights against the payee or 
     your Interest Charges or Fees without notifying you and  other holder of the paid Access Check. You also agree to 
     without losing our right to charge them in the future.  help us in any legal action we may later take against the 
                                            payee or other holder of the check. 
     Assignment 
                                            Stop Payment Fee 
     This Agreement will be binding on, and bene?t, any of   
     your and our successors and assigns. You may not sell,    We may charge you this Fee each time you ask us to 
     assign or transfer your Account or this Agreement to    (1) stop payment on an Access Check or (2) renew an 
     someone else without our written permission.    existing stop payment order. 
     We may sell, assign or transfer your Account and this  Cash Advance Fee 
     Agreement without your permission and without prior  We may charge you this Fee each time you take out a 
     notice to you. Any assignee or assignees will take our  Cash Advance. We will treat this Fee as a Cash Advance   
     place under this Agreement. You must pay them and  transaction. 
     perform all of your obligations to them and not us. If you 
                                            Transfer Fee 
     pay us after we notify you that we have transferred your 
     Account or this Agreement, we can return the payment  We may charge you this Fee each time you make a 
     to you, forward the payment to the assignee, or handle it  Transfer. We will charge the Fee to the same Segment   
     in another way that is reasonable.     where we post the Transfer. 
                                           5 
     Transactions Made in Foreign Currencies  ��Interest Charges� means any charges to your Account    
                                             based on the application of Annual Percentage Rates. 
     If you make a transaction in a foreign currency, the 
     Payment Card Network will convert it into a U.S. dollar  ��Item� means a check, draft, money order or other    
     amount. The Payment Card Network will use its own  negotiable instrument you use to pay your Account. This   
     currency conversion procedures. The conversion rate  includes any image of these instruments. This does not   
     in effect on the processing date may differ from the rate  include an Access Check. 
     in effect on the transaction date that appears on your 
                                            ��Payment Card Network� means the network provider   
     Statement. We do not adjust the currency exchange rate 
                                             displayed on your Card. This may be Visa Inc., 
     or charge any currency conversion Fees. 
                                             Mastercard International Incorporated, or any other 
     Glossary                                network provider. 
     ��Access Check� means any check we send to you to    ��Quick Cash� means cash that may be obtained in    
      access credit from your Account. We may also refer  $20 increments, up to any limit we may set, at the   
      to an Access Check as a �convenience check� or a  time a purchase transaction is made using your Card at 
      �purchase check�.                      participating Walmart-owned registers. Quick Cash    
                                             is not available if you are using Walmart Pay. Quick 
     ��Account� means your Card Account with us.   
                                             Cash transactions will be treated as part of the 
     ��Authorized User� means a person who may use     purchase Segment of your Account for the purpose   
      the Card, but is not responsible for the repayment    of calculating interest. 
      of the Account. 
                                            ��Segments� means the different parts of your Account    
     ��Balance Transfer� means a Transfer posted to the     we may establish that are subject to unique APRs, 
      purchase Segment of your Account unless otherwise    pricing, or other terms. We create these parts of your 
      described in your Truth-in-Lending Disclosures.  Account for such things as your purchases, Balance 
                                             Transfers, Cash Advances and Special Transfers. 
      ��Billing Cycle� means the period of time re?ected on    
                                             The sum of your Segment balances equals your total 
      a Statement. This period may vary in length, but is   
                                             Account balance. 
      approximately 30 days. You will have a Billing Cycle   
      even if a Statement is not required. We will often specify    ��Special Transfer� means a Transfer posted to a   
      a Billing Cycle by the month in which its closing date    Segment of your Account that is not your purchase 
      occurs. For example, a �March Billing Cycle� will have    Segment or Cash Advance Segment. 
      a closing date in March. We may also refer to a Billing   
                                            ��Statement� means a document showing important    
      Cycle as a �Billing Period�. If your Account balance has   
                                             Account information, including all transactions billed to   
      charged off, we may switch to quarterly Billing Cycles for   
                                             your Account during a Billing Cycle and information about   
      your Account. 
                                             what you must pay. We may also refer to your Statement   
      ��Card� means any Capital One credit card associated     as a �Periodic Statement� or a �Billing Statement�. 
      with your Account. This includes all renewals and   
                                            ��Transfers� means amounts transferred from other   
      substitutions. It also means any other access device for   
                                             accounts to this Account and includes Balance 
      your Account we give you that allows you to obtain credit,   
                                             Transfers and Special Transfers. 
      including any Account number. 
                                            ��Truth-in-Lending Disclosures� means disclosures that   
     ��Cash Advance� means a loan in cash or things we   
                                             the federal Truth in Lending Act and Regulation Z 
      consider cash equivalents, including wire transfers, 
                                             require for any Account. This includes your application 
      travelers� checks, money orders, foreign currency, 
                                             and solicitation disclosures, Account opening 
      lottery tickets, gaming chips, and wagers. We post 
                                             disclosures, subsequent disclosures, Statements, and 
      Cash Advances to the Cash Advance Segment of your 
                                             change in terms notices. 
      Account and not to your purchase Segment. 
     ��Fees� means charges imposed on your Account not   
      based on the Annual Percentage Rates. 
                                      � 2019 Capital One
 
                                Capital One is a federally registered service mark.
   
                                       All rights reserved.
 
     BR408251      M-128870                6                      COF Customer Agreement 428