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     Credit Card Agreement for SaksFirst World Elite Mastercard  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, 2019. The combination of terms that could apply to you may differ depending 
     on the speci?c card offer and on your creditworthiness at the time of application. The Customer Agreement contains 
     important information related to consumer credit cards issued by Capital One, N.A. If you are a current Capital One
     cardholder, please log in to your account if you would like to request the Credit Card Agreement for your account(s). 
      CAPITAL ONE PRICING INFORMATION 
      Annual Percentage Rate (APR)    26.24%. 
      for Purchases 
                          This APR will vary with the market based on the Prime Rate. 
      APR for Balance Transfers   26.24%. 
                          This APR will vary with the market based on the Prime Rate. 
      APR for Cash Advances   29.24%. 
                          This APR will vary with the market based on the Prime Rate. 
      Penalty APR and     30.24%. 
      When It Applies 
                          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 inde?nitely. 
      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 Balance 
                          Transfers on the transaction date. 
      Minimum Interest Charge   If you are charged interest, the charge will be no less than $1.00. 
      Annual Fee          None. 
      Transaction Fees 
      �  Balance Transfer   Either $15 or 3% of the amount of each Balance Transfer, whichever is greater.
      �  Cash Advance     Either $10 or 3% of the amount of each Cash Advance, whichever is greater. 
      Penalty Fees 
      �  Late Payment     Up to $38.
      �  Returned Payment   Up to $25. 
     How We Will Calculate Balances: We use a method called �average daily balance (including new transactions).� See the 
     �How Do You Calculate The Interest Charge?� section. 
                            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 My Variable Rates? Your variable rates may change each month if the Prime rate changes. We   
     calculate variable rates by adding a percentage to the Prime rate published in The Wall Street Journal that is in effect on the last   
     day of each month. Variable rates will be updated monthly and will take effect on the ?rst day of your next Billing Cycle: Purchase  
     APR: Prime plus 20.74%; Balance Transfer APR: Prime plus 20.74%; Cash Advance APR: Prime plus 23.74%; Penalty APR:  
     Prime plus 24.74%. Any increase in the Prime Rate may increase your Interest Charges and your Minimum Payment Due.   
     What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Purchase APR is   
     0.07189%, Balance Transfer APR is 0.07189%, Cash Advance APR is 0.08011%, and Penalty APR is 0.08285%. See the 
     �How Do You Calculate The Interest Charge?� section. 
     How Can I Avoid Paying Interest Charges? We will not charge you interest on new purchases if you pay the full Purchase, 
     Balance Transfer, and Cash Advance Credit Plan balances displayed on your Billing Statement each month, plus any 
     minimum payments required on promotional Credit Plans. For Cash Advances and Balance Transfers, we will start charging 
     interest on the transaction date. Additional amounts may be required during the ?nal two months of any Same as Cash 
     promotion. More information about Interest Charges, including treatment of promotional balances, can be found in the
     attached Customer Agreement in the section titled �Interest Charges and Fees.�
 
     How Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new transactions).
 
      1.  First, for each Credit Plan, we take the beginning balance each day and add in new transactions and the periodic Interest  
        Charge on the previous day�s balance. Then we subtract any payments and credits for that Credit Plan as of that day. The 
        result is the daily balance for each Credit Plan. 
        2.  Next, for each Credit Plan, we add the daily balances together and divide the sum by the number of days in the Billing  
         Cycle. The result is the Average Daily Balance for each Credit Plan. 
        3.  At the end of each Billing Cycle, we multiply your Average Daily Balance for each Credit Plan by the daily periodic 
  
         rate (APR divided by 365) for that Credit Plan, and then we multiply the result by the number of days in the Billing

         Cycle. The Interest Charge for Same as Cash Credit Plans is the total of: 
           �  the applicable daily periodic rate (APR divided by 365) for the current Billing Cycle times the daily balance for
            each day in the current Billing Cycle; plus 
           �  the applicable daily periodic rate for each prior Billing Cycle times the daily balances of the Credit Plan for each
            day during each prior Billing Cycle. 
        4.    We add the Interest Charges for all Credit Plans together. The result is your total Interest Charge for the Billing Cycle. 
      NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge  
      actually assessed. 
      How Is The Interest Charge Applied? Interest charges accrue from the date of the transaction or the ?rst day of the
      Billing  Cycle. 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� for one Billing Cycle, but did not do so in the previous Billing Cycle.
      Unpaid Interest Charges are added to the corresponding Credit Plan of your Account. 
                � 
     Capital One   Customer Agreement 
      Welcome to Capital One                 You are responsible for keeping track of your Credit Plan   
      This credit card is issued by Capital One, N.A. and may be  balances and your available credit. You must manage your 
      used at participating retail locations that accept the Card.   Account to remain below your credit limits. We may honor 
      This Customer Agreement including any changes to it   transactions above your credit limits, but if we do these
      (�Agreement�) contains the terms of your agreement with  transactions will not increase your credit limit. You are 
      Capital One.                           responsible for paying for any transaction you make above
                                             your credit limits. 
      De?nitions 
                                             We may also increase, decrease, restrict or cancel your 
      The meanings of the terms you see in italics appear in the
                                             credit limit on any Credit Plan at any time. This will not 
      Glossary  section at the end of this Agreement. 
                                             affect your obligation to pay us. 
      As used here, �you� and �your� mean each applicant and
                                             Using Your Account
      co-applicant for the Account; any person responsible
      for paying the Account; and any person responsible for  (1)    This Agreement applies whether or not you use your 
      complying with this Agreement. �We,� �us,� �our,� and   Card or Account. It will continue to apply even after 
      �Capital One� mean Capital One, National Association; and   your Account is closed, as long as you have a balance.
      its agents, authorized representatives, successors, and  (2)    You must sign the Card immediately when you receive it.
      assignees. �Saks Fifth Retailers� means Saks Fifth Avenue   (3)    You must return the Card to us or destroy it if we ask 

      or Saks Fifth Avenue OFF 5TH retail locations, online   you to.

      websites or telephone order centers.    (4)     You must take reasonable steps to prevent the 

                                                unauthorized use of your Card, Access Checks
    
      Account Documents 
                                                and Account.

      The following documents govern your Account with us: 
                                             (5)    We may decline to authorize a transaction for any 
      (1)  this Agreement;                      reason. This may occur even if the transaction would 
      (2)  all Statements;                      not cause you to go over your credit limit or your
      (3)  any rewards program terms, conditions and disclosures;    Account is not in default.
      (4)  any privacy notices;              (6)    We are not responsible for any losses you incur if we 
      (5)     your Card bene?ts brochure, which describes bene?ts   do not authorize a transaction.
         provided by the Payment Card Network for your Account;   (7)    We are not responsible for any losses you incur if 
      (6)    all disclosures and materials provided to you before or  anyone refuses to accept your Card for any reason.
         when you opened your Account;        (8)    Unless we tell you otherwise, we will bill each
      (7)    any other documents and disclosures relating to your  transaction to the applicable Credit Plan of your
         Account, including those provided online; and  Account. We will apply it against your available credit 
      (8)    any future changes we make to any of the above.   for that Credit Plan.
                                             (9)      You may obtain Balance Transfers and Cash Advances 
      Please read these carefully and keep them for future
                                                as permitted for your Account. You may not use these 
      reference. 
                                                to pay any amount you owe us or any other company
      New Offers                                in the Capital One organization.
      In the future, we may provide you with new offers that we   (10)      You must not use, or try to use, the Card for any illegal
      think may interest you. The terms of these offers may differ   activity. You are responsible for any charges if you do.
      from the standard terms on your Account. This Agreement   (11)      We are not liable for any losses that may result when 
      will still apply.                         our services are unavailable due to reasons beyond
                                                our control. 
      Account Information 
      We need information about you to manage your Account.     Rewards 
      This includes:                         Your Account may provide you with the opportunity to earn
                                             rewards. If it does, we will separately provide you with
      (1)    your legal name;
                                             information and terms about the rewards. 
      (2)     a valid U.S. mailing address and residential address
         (if different);                     Access Checks 
      (3)  your date of birth;               We may provide you with Access Checks. If we do, we will 
      (4)  your Social Security number or other government    tell you at the time if we consider them purchases, Cash 
         identi?cation number;               Advances or Balance Transfers. 
      (5)  your telephone number(s), and  
                                             Only the person we designate may use Access Checks. 
      (6)    your employment and income information. 
                                             You may not use them to pay any amount you owe us or 
      You must tell us when this information changes. We may   any other company in the Capital One organization. We 
      ask you for additional documents to verify any changes. We   may reject and not pay any Access Check if: 
      may restrict or close your Account if we cannot verify your
                                             ( 1 )     your Account is past due, charged off, bankrupt, lost/
      information, or if you do not provide it as requested. 
                                               stolen or closed; 
      Credit Limits                          (2)    we suspect fraud;
      When you open your Account, we will tell you your credit  (3)    your Account is over the credit limit; or 
      limits. These will also appear on your Statement. We may   (4)     the check has expired, is damaged or cannot otherwise
      also refer to your credit limits as your credit lines. We may   be processed. 
      give you different credit limits for the different Credit Plans   
                                             Our liability if we do not pay an Access Check will never be 
      of your Account. For example, you may have different credit 
                                             more than (1) your actual damages or (2) the amount of the
      limits for purchases at Saks Fifth Retailers, purchases at  
                                             Access  Check, whichever is less. 
      non-Saks Fifth Retailers and Cash Advances. 
                                            1 
      Use of an Access Check is not the same as using your    in their possession and cancel any arrangements they may
      Card. When you use an Access Check,  you will have  fewer  have set up on your Account. They will be able to use your  
      rights to dispute merchant transactions than with uses  Account until you have noti?ed us that you are removing
      of  your Card. Please see the �Billing Rights Summary�   them from your Account. During this time, you will still be
      on your Statement and your other Truth-in-Lending   responsible for all amounts they charge to your Account. 
      Disclosures for more information.      You will be responsible even if these amounts do not 
                                             appear on your Account until later. 
      Stopping Payment of Access Checks
      You may request a stop payment on any Access Check  by  Authorized Users may remove themselves from your
      contacting Customer Service.           Account upon request. We reserve the right to remove 
                                             them from your Account for any reason. To remove them 
      We will have a reasonable amount of time after your 
                                             from your Account, we may close your existing Account   
      stop payment request to research and complete the stop
                                             and issue a new Card with a new Account number. 
      payment . We will not be responsible if we cannot complete 
      the stop payment. Reasons include:     Your Promise to Pay
                                             You promise to pay us all amounts due on your Account. 
      (1)  the Access Check was already paid;  
                                             This includes amounts where you did not sign a purchase
      (2)    you do not give us the information we asked for; or
                                             slip or other documents for the transaction. We will treat 
      (3)    the information you gave us was incorrect. 
                                             transactions made without presenting your actual Card   
      We do not have to release the stop payment order unless   (such as for mail, telephone, Internet or mobile device
      the account holder who made the request asks us to. If we  purchases) the same as if you used the Card in person. If
      re-credit your Account after a valid stop payment order, you   you let someone else use your Card, you are responsible
      give us all of your rights against the payee or other holder  for all transactions that person makes. 
      of the paid Access Check. You also agree to help us in any 
                                             Statements 
      legal action we may later take against the payee or other
                                             We will generally send or make available to you one 
      holder of the check. 
                                             Statement for all Cards on your Account at the end of each 
      Using a PIN                            Billing Cycle. Under certain circumstances, the law may not
      We may give you a personal identi?cation number (PIN).   require us to send or make available to you a Statement, or 
      For security reasons, you may have to provide the PIN  may prohibit us from doing so. 
      before you are able to use your Card. 
                                             Disputed Transactions
      Keep your PIN secure. Do not write it down, give it to  You must inspect each Statement you receive. Tell us 
      anyone or keep it with your Card. If you lose your Card   about any errors or questions you have, as described in
      or believe the con?dentiality of your PIN has been  the �Billing Rights Summary� on your Statement and other 
      compromised for any reason, you must contact Customer  Truth-in-Lending Disclosures. If you do not notify us of an
      Service immediately.                   error, we will assume that all information on the Statement   
      Promotional Credit Plans               is correct. 
      From time to time, we may offer one or more promotional   If we credit your Account for all or part of a disputed
      Credit Plans prior to or at the time of your purchase.   transaction, you give us all of your rights against others
      Only certain purchases may be eligible for promotional  regarding that transaction. You will also: 
      Credit Plans. These plans may have special repayment 
                                             ( 1 )   give us any information about the disputed transaction,  
      terms and are conditioned on your timely payment of at
                                               if we ask; 
      least the required payment amount each Billing Cycle: 
                                             ( 2 )   not pursue any claim or reimbursement of the  
      ( 1 )      Waived Interest Charge Credit Plan - With this plan  transaction amount from the merchant or any other
         there are no Interest Charges on your purchase for a  person; and
         speci?ed period.                    ( 3 )   help us get reimbursement from others.   
      ( 2 )     Same As Cash / Monthly Payment Credit Plan -  No Warranties 
         With this plan, there are no Interest Charges on your  We are not responsible for any claim you may have 
         purchase if you repay the full cash price of the purchase  regarding the purchase of goods or services made with 
         before the promotional expiration date shown on your  your Card beyond your rights described in the �Billing
         Statement. If you do not repay in full by the promotional  Rights Summary� on your Statement. 
         expiration date, Interest Charges will be imposed on the
                                             Lost or Stolen Card 
         promotional purchase from the purchase date. 
                                             If your Card is lost or stolen or if you think someone else
       ( 3 )     Reduced  Rate Credit Plan - With this plan, you will  may be using your Card or Account number without 
         receive a reduced Annual Percentage Rate (APR) on     your permission, you must contact Customer Service
         your purchase for a speci?ed period.   immediately. You will not be responsible for transactions on 
      Authorized Users                       your Account that we ?nd are unauthorized. 
      If you ask us to issue a Card to any other person, they are   If we reimburse you for unauthorized transactions, you will
      an Authorized User. We may require certain information   help us investigate, pursue and get reimbursement from
      about them. We may limit their ability to use your Card.   the wrongdoer. Your help includes giving us documents in a 
      They may have access to certain information about your  form that we request. 
      Account. You will be responsible for their use of the 
                                             Interest Charges and Fees
      Account and anyone else they allow to use your Account, 
                                             We will charge Interest Charges and Fees to your Account   
      even if you did not want, or agree to, that use. 
                                             as disclosed on your Statement and other Truth-in-
      Removing an Authorized User            Lending Disclosures. In general, Interest Charges begin
      If you want to remove an Authorized User from your  to accrue from the day a transaction occurs. However, we 
      Account, you must contact Customer Service and request  will not charge you interest on new purchases if you pay
      their removal. You also must immediately destroy all Cards     the full Purchase, Balance Transfer, and Cash Advance 
                                            2 
      Credit Plan balances displayed on your Billing Statement  Making Payments
      each month, plus any minimum payments required on  Your payment must be made in U.S. dollars from a U.S. 
      promotional Credit Plans. For Cash Advances and Balance   deposit account in a form acceptable to us. We do not 
      Transfers, we will start charging interest on the transaction  accept cash payments through the mail. You may not make 
      date. Additional amounts may be required during the ?nal   payments with funds from your Account or any other credit
      two months of any Same as Cash promotion.   account with us or any other company in the Capital One
      We will generally treat Fees as purchase transactions  organization. You must send mailed payments to us as 
      unless otherwise speci?ed below. These Fees apply to your  instructed on your Statement, unless we tell you otherwise.   
      Account only if your Truth-in-Lending Disclosures provide  Other Payment Services
      for them. We may increase your Interest Charges and Fees   
                                             We may make services available that allow you to make 
      as described in the Changes to Your Agreement section 
                                             faster or recurring payments online or by telephone. We 
       or in your Truth-in-Lending Disclosures. 
                                             will describe the terms for using these services and any
      Late Payment Fee                       applicable Fee before you use them. You do not have to 
      We may charge you this Fee if we do not receive your  use these other payment services. 
      payment as instructed on your Statement by the payment    We are not responsible if your ?nancial institution rejects a 
      due date.                              payment made using our payment services. 
      Returned Payment Fee                   If you ask someone else to make a payment for you, we
      We may charge you this Fee each time your ?nancial  may provide that person with limited Account information 
      institution for any reason rejects a payment you make to us.   necessary to set up and process that payment. We may 
                                             also refuse to accept that payment. If we do accept it, you
      Stop Payment Fee
                                             will be responsible for that payment even if a ?nancial
      We may charge you this Fee each time you ask us to (1) 
                                             institution rejects it. 
      stop payment on an Access Check or (2) renew an existing
      stop payment order.                    Payment Processing
                                             We may accept and process payments without losing any 
      Cash Advance Fee 
                                             of our rights. We may delay the availability of credit until we 
      We may charge you this Fee each time you take out a
                                             con?rm that your payment has cleared. This may happen 
      Cash Advance. We will treat this Fee as a Cash   
                                             even if we credit your payment to your Account. We may 
      Advance transaction. 
                                             resubmit and collect returned payments electronically. If 
      Balance Transfer Fee                   necessary, we may adjust your Account to correct errors, 
      We may charge you this Fee each time you make a  process returned and reversed payments and handle
      Balance Transfer. We will charge the Fee to the Balance   similar issues. 
      Transfer Segment. 
                                             When you send us an Item as payment, you authorize
      Transactions Made in Foreign Currencies  us to make a one-time electronic fund transfer from your
      If you make a transaction in a foreign currency, the   deposit account. You also authorize us to process the 
      Payment Card Network will convert it into a U.S. dollar   payment as an Item. We may withdraw the funds from 
      amount. The Payment Card Network will use its own   your deposit account as early as the same day we receive
      currency conversion procedures. The conversion rate   your payment. You will not receive your Item back from 
      in effect on the processing date may differ from the rate   your bank. We will provide additional information about this 
      in effect on the transaction date that appears on your   process on your Statement. 
      Statement. We do not adjust the currency exchange rate or   We may use the information from an Item to create an 
      charge any currency conversion Fees.   electronic image. We may collect and return the image 
      Minimum Payment                        electronically. This electronic image may also be converted 
                                             to a substitute check and may be processed in the same
      You must pay us at least the minimum payment due by the 
                                             way we would process an Item. We will not be responsible 
      payment due date. The minimum payment for your Account   
                                             if an Item you provide has physical features that when
      includes the minimum payment due on each Credit Plan. 
                                             imaged result in it not being processed as you intended. 
      Your Statement will tell you: 
                                             How We Apply Your Payments
      (1)    the minimum payment due,
      (2)    your new balance,               In each Billing Cycle, we generally apply payments up to
      (3)    the payment due date, and       your minimum payment amount to satisfy the minimum
      (4)    an explanation of when the payment must reach us for  payment due on each Credit Plan, ?rst to the lowest APR 
         us to consider it received as of that date.   Credit Plan balance and then to higher APR Credit Plan   
                                             balances. We apply any part of your payment exceeding 
      Returns and other credits to your Account will reduce your  your minimum payment to the balance with the highest
      Account balance, but they will not change your minimum   APR and then to balances with lower APRs. We do this 
      payment amount.                        based on the APRs in effect and balances owed on the day 
      In addition to the minimum payment, you may pay all or  your preceding Billing Cycle ended. 
      part of the total balance on your Account. But, you must  If your Account has a Same as Cash Credit Plan balance, 
      still pay at least the minimum payment amount each month,  we will treat that balance as having a 0% APR for this 
      even if you paid more than the minimum payment due on  purpose, until the last two Billing Cycles of the promotional
      the previous Statement. We will continue to charge Interest   period. During the last two full Billing Cycles of the 
       Charges during Billing Cycles when you carry a balance  promotional period, we will apply payments exceeding the
       regardless of whether your Statement includes a minimum   minimum payment to the Same as Cash Credit Plan(s) that 
       payment that is due. If your Account is 180 days past due,  is expiring, in the order of expiration date. 
       is part of a bankruptcy proceeding, or is otherwise charged
       off, the total balance is immediately due and payable. 
                                            3 
      Items with Restrictive Words, Conditions,     Credit Reports
      or Instructions                        We may report information about your Account to credit 
      You must mail all Items bearing restrictive words,  bureaus and others. Late payments, missed payments or
      conditions, limitations or special instructions to:   other defaults on your Account may be re?ected in your
                                             credit report. Information we provide may appear on your
      Capital One
                                             and the Authorized Users� credit reports. 
      P.O.  Box 1330 
      Charlotte, NC 28201-1330               If you believe that we have reported inaccurate information
                                             about your Account to a credit bureau or other consumer 
      This includes Items marked �Paid in Full� or similar 
                                             reporting agency, notify us in writing at P.O. Box 30258, 
      language. This also includes all accompanying 
                                             Salt Lake City, UT 84130-0258. When you write, tell us the 
      communications. 
                                             speci?c information that you believe is incorrect and why
      If you make such a payment or send any accompanying  you believe it is incorrect. 
      communications to any other address, we may reject it
                                             We may obtain and use credit, income and other 
      and return it to you. We may also accept it and process it   
                                             information about you from credit bureaus and others as
      without losing any of our rights. 
                                             the law allows. 
      Credit Balances 
                                             Closing or Suspending Your Account
      We may reject and return any payment that creates or adds 
                                             You may contact Customer Service to ask us to close   
      to a credit balance on your Account. Any credit balance 
                                             your Account. 
      we allow will not be available until we con?rm that your
      payment has cleared. We may reduce the amount of any   We may close or suspend your Account at any time and for
      credit balance by any new charges. You may write to the   any reason permitted by law, even if you are not in default. 
      address provided on your Statement or call Customer 
                                             If we close or suspend your Account for any reason,   
      Service to request a refund of any available credit balance. 
                                             you must stop using your Card. You must also cancel all 
      Account Default                        billing arrangements set up on the Account. If we close or 
      You will be in default if:             permanently suspend your Account, you must return or
                                             destroy all Cards. You must still pay us all amounts you 
      (1)    you do not make any payment when it is due;
                                             owe on the Account. 
      (2)     any payment you make is rejected, not paid or cannot
         be processed;                       Changes to Your Agreement
      (3)  you exceed a credit limit;        At any time, we may add, delete or change any term of
      (4)  you ?le or become the subject of a bankruptcy or    this Agreement, unless the law prohibits us from doing so. 
         insolvency proceeding;              We will give you notice of any changes as required by law. 
      (5)    you are unable or unwilling to repay your obligations,  We may notify you of changes on your Statement or in a 
         including upon death or legally declared incapacity;  separate notice. Our notice will tell you when and how the
      ( 6 )     we determine that you made a false, incomplete or  changes will take effect. The notice will describe any rights 
         misleading statement to us, or you otherwise tried to  you have in connection with the changes. 
         defraud us; or 
                                             Your variable APRs (if applicable) can go up or down as 
      ( 7 )     you do not comply with any term of this Agreement or 
                                             the index for the rate goes up or down. If we increase your
         any other agreement with us. 
                                             APRs for any other reason, or if we change your Fees or 
      If you are in default, we may take certain actions with   other terms of your Account, we will notify you as required
      respect to your Account. For example, depending on the  by law. 
      default, we may take the following actions, without notifying
                                             The Law That Applies to Your Agreement
      you, unless the law says that we must give you notice: 
                                             We make decisions to grant credit and issue you a Card   
      ( 1 )   charge you Fees, or change the APRs and Fees on     from our of?ces in Virginia. This Agreement is governed 
         your Account, if provided in your Truth-in-Lending   by applicable federal law and by Virginia law. If any part of 
         Disclosures;                        this Agreement is unenforceable, the remaining parts will 
      ( 2 )   close or suspend your Account;     remain in effect. 
      (3)  lower your credit limit(s);
                                             Waiver 
      ( 4 )     demand that you immediately pay the total balance
         owing on your Account;              We will not lose any of our rights if we delay or choose not 
      ( 5 )     continue to charge you Interest Charges and Fees as   to take any action for any reason. We may waive our right 
         long as your balance remains outstanding; and/or  without notifying you. For example, we may waive your
      ( 6 )     ?le a lawsuit against you, or pursue another action that  Interest Charges or Fees without notifying you and without
         is not prohibited by law. If we ?le a lawsuit, you agree to   losing our right to charge them in the future. 
         pay our court costs, expenses and attorney fees, unless  Assignment
         the law does not allow us to collect these amounts. 
                                             This Agreement will be binding on, and bene?t, any of your 
      Communications                         and our successors and assigns. You may not sell, assign 
      You agree that we may communicate with you by mail,   or transfer your Account or this Agreement to someone else   
      telephone, email, fax, prerecorded message, automated  without our written permission. 
      voice, text message or other means allowed by law  We may sell, assign or transfer your Account and this   
      regarding your Account.                Agreement without your permission and without prior notice  
      You agree that we may contact you at any telephone   to you. Any assignee or assignees will take our place under  
      number (including a mobile telephone number that you  this Agreement. You must pay them and perform all of your  
      provide us), and use an automated telephone dialing  obligations to them and not us. If you pay us after we notify  
      system or similar device to do so. You agree that we may     you that we have transferred your Account or this Agreement,  
      monitor or record any conversation or other communication  we can return the payment to you, forward the payment to the  
      with you.                              assignee or handle it in another way that is reasonable. 
                                            4 
      Glossary                               �  �Credit Plans� mean the different parts of your Account    
      �    �Access  Check� means any check we send to you to  we may establish that are subject to unique APRs, pricing, 
       access credit from your Account. We may also refer to     or other terms. These may be individual purchases, or 
       an Access Check as a �convenience check� or a   they may be combined balance types such as Balance 
       �purchase check�.                      Transfers and Cash Advances which are under same 
                                              terms. The sum of your Credit Plan balances equals your
      �     �Account� means your Card Account with us. 
                                              total Account balance. 
      �  �Authorized User� means a person who may use   
                                             �    �Fees� mean charges imposed on your Account not 
       the Card but is not responsible for the repayment of  
                                              based on the Annual Percentage Rates. 
       the Account. 
                                             �     �Interest Charges� mean any charges to your Account 
      �  �Balance Transfer� means an amount posted to the  
                                              based on the application of Annual Percentage Rates. 
       Balance Transfer Credit Plan of your Account unless 
       otherwise described in your Truth-in-Lending Disclosures.   �    �Item� means a check, draft, money order or other
                                              negotiable instrument you use to pay your Account. This 
      �  �Billing Cycle� means the period of time re?ected   
                                              includes any image of these instruments. This does not 
       on a Statement. This period may vary in length, but is 
                                              include an Access Check. 
       approximately 30 days. You will have a Billing Cycle  
       even if a Statement is not required. We will often specify   �    �Payment Card Network� means the network 
       a Billing Cycle by the month in which its closing date  provider displayed on your Card. This may be Visa Inc., 
       occurs. For example, a �March Billing Cycle� will have a   MasterCard International Incorporated or any other
       closing date in March. We may also refer to a Billing Cycle    network provider. 
       as a �Billing Period�. If your Account balance has charged  �    �Statement� means a document showing important
       off, we may switch to quarterly Billing Cycles for your  Account information, including all transactions billed to 
       Account.                               your Account during a Billing Cycle and information about 
      �  �Card� means any Capital One credit card associated    what you must pay. We may also refer to your Statement   
       with your Account. This includes all renewals and   as a �Periodic Statement� or a �Billing Statement�. 
       substitutions. It also means any other access device for   �  �Truth-in-Lending Disclosures� means disclosures that    
       your Account we give you that allows you to obtain credit,  the federal Truth in Lending Act and Regulation Z require for   
       including any Account number.          any Account. This includes your application and solicitation   
      �  �Cash Advance� means a loan in cash or things we    disclosures, Account opening disclosures, subsequent  
       consider cash equivalents, including wire transfers,  disclosures, Statements and change in terms notices. 
       travelers� checks, money orders, foreign currency, 
       lottery tickets, gaming chips, and wagers. We post Cash 
       Advances to the Cash Advance Credit Plan of your
       Account and not to your purchase Credit Plan. 
                                       � 2018 Capital One
 
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                                        All rights reserved.
 
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