Cardmember Agreement and Disclosure Statement  
     Part 1 of 2: Agreement  
     About this Agreement  
     Part 1 and 2 together make your Cardmember Agreement and Disclosure Statement (�Agreement�) and govern your 
     Credit Card Account with us (your �Account�).  
     Part 1 conta ins Terms and Conditions. Part 2 contains Annual Percentage Rate (�APR�) and fee information. Please read 
     and keep both parts of this Agreement.  
     Thank you.  
     KEY TERMS  
     �You� and �your� means each person who:  
     � applied for this Account; and/or  
     � agrees to pay  for the Account.  
     �We,� �us,� and �our� means Capital One, N.A., 1111 Town Center Drive, Las Vegas, Nevada 89144.  
     �Agreement� means Parts 1 and 2 of this document and any supplements or amendments.  
     �Card� means any card, card number or other device we issu e to access your Account.  
     GETTING STARTED  
     The Card must be signed to be used.   
     When you receive this Agreement, use the Account, or sign or keep the Card, you agree to:  
     � the terms of this Agreement; plus  
     � any amendments or supplements to the Agreement.   
     If your Account has an Annual Fee or Periodic Membership Fee, we will refund this fee if:  
     � you have not used your Account; and  
     � you close your Account within 90 days of when it was opened.  
     You may close your Account at any time.  
       TYPES OF USES  
     You can us e your Account for:  
     �    Purchases;  
     �    Balance Transfers; and  
     �    Cash Advances.  
     We may limit the amount and/or frequency of any type of use at any time.  
     Balance transfers include credit card checks, unless otherwise disclosed.  
     Cash advances include cash you get :  
     �    over the counter (e.g., at a bank);  
     �    at an ATM; and  
     �    from other purchases we define as �cash - like�  (e.g., money orders, traveler�s checks, casino chips, or lottery 
     tickets).  
     ALLOWED USE  
     You agree to:  
     �    use your Account only for lawful  purposes;  
     �    u se your Account for only personal, family, household, or charitable purposes; and  
     �    repay us for all costs related to uses not allowed under this Agreement.  
     You are not allowed to use your Account:  
     �    to make payments to this credit card or any other loan p ayments to us or our affiliates; or  
     �    for internet gambling.   
     If you have given someone permission to use the Card, this is not unauthorized use and you will be liable for all use by 
     that person.  
     CREDIT LIMIT  
     When we first send your Card, we will tell you:  
     �    the total credit limit on your Account called your �Revolving Credit Line�; and  
     �    the portion of this limit you can use for cash advances.  
     If a cash advance limit is not shown on your billing statement, it means your total credit limit is available for  cash 
     advances.  
     Because your Account has no pre - set spending limit, we may allow you to make charges (except ATM cash transactions) 
     that cause you to exceed your revolving credit line. Each charge will be evaluated based on:  
     �    Account usage and performance;  
     �    other accounts with us; and  
     �    your accounts with other creditors.  
     We may change these limits from time to time. Whenever this occurs, we will notify you:  
     �    on your billing statement; and/or  
     �    by sending a notice.  
     You agree to:  
     �    keep your Account balanc e (which includes Interest and other charges) within your credit limit; and  
     �    immediately pay any over limit amount that might occur.  
     Your available credit may not reflect your payments for up to 14 days.  
     If a transaction exceeds your available credit, we  may decline it.  
     USING THE ACCOUNT  
     At times we may:  
     �    decline a transaction if there is not enough available credit and for any other reason; and/or  
     �    require our Authorization before allowing a transaction.  
     A merchant may check your ID.  
     We are not liable i f:  
     �    a merchant refuses your Card; and/or  
     �    we do not complete your transaction for any reason.  
     RECURRING BILLS  
     If you authorize any company to bill charges on a recurring basis to your Account, we may provide the company with 
     information about your:  
     a)   Ac count number;   
     b)   Account status; and  
     c)   Account expiration date.  
     You must notify the company when and if you no longer want to allow them to charge your Account.  
     If you default with us or if we change your Account or Account number for any reason:  
     �    we ma y refuse or suspend future recurring charges; and  
     �    you must set up the recurring charges again and/or make other payment arrangements with the company.  
     Promise to Pay   
     You promise to pay for all:  
     �    credit we extend; plus  
     �    Interest Charges and other fees  or charges; plus  
     �    collection costs and attorney fees as allowed by law.  
     If your Account is a joint Account, each of you is jointly and individually responsible for amounts due. This remains true in 
     the event of death, divorce or other events that affect l iability between you and the other person.    
     If any joint Accountholder requests to not be liable for future transactions, we may close the Account.  
     WHEN AND HOW TO PAY  
     You agree to:  
     �    pay at least the Minimum Payment Due as described in Part 2, and as sho wn on your billing statement; and  
     �    make this payment in time to be credited by no later than the Payment Due Date.  
     If you wish, you may pay more than the Minimum Payment Due or the entire balance at any time.  
     Instructions for making timely payments are sh own on your billing statement.   
     Payments must be:  
     �    made in U.S. dollars; and  
     �    paid from a U.S. bank or other U.S. financial institution; and  
     �    sent in a form that is acceptable to us.  
     Acceptable forms of payment include:  
     �    a check or money order; or  
     �    an  electronic funds transfer.  
     If you want to write any special conditions on your payment, such as �paid in full�, �without recourse�, or similar language, 
     you must mark this clearly on your payment. Send this payment to the special address on your statement . This address is 
     called the �Billing Inquiries�address.   
     Unless you follow the above directions, we may accept a payment marked with special conditions and not agree to those 
     conditions, and will not lose any of our rights.  
     By sending us a check for payme nt on your Account, you authorize us either to:  
     � use information from your check to initiate an electronic fund transfer from your payment account according to the terms 
     of the check; or  
     � to process this transaction as a check.  
     When we use your check to  make an electronic fund transfer:  
     � funds may be withdrawn from your  payment  account the same day we receive your payment; and   
     � you will not receive your check back from your bank.  
     When you use our optional payment by phone service, you agree that:  
     � w e may make an electronic funds transfer from the bank account you choose; or  
     � we may process the payment the same way we would process a check.  
     You authorize the amount and timing of each payment. Please retain this authorization for your records.   
     If you  have a returned payment:  
     � the amount you paid will be added back to your Account and may be applied to a different category than originally 
     posted. (e.g. cash advance, purchases, etc.); and  
     � Interest Charges may be restored back to the payment date at t he APR for that transaction.  
      
     Interest Rates   
     ABOUT YOUR APRs  
     Your APRs are shown in Part 2.   
     A Daily Periodic Rate is used to determine your Interest Charges in any billing cycle. To determine this rate, we divide 
     your APR by 365; then round this number u p to the next hundred thousandth of a percentage point.  
     PROMOTIONAL OR INTRODUCTORY APR  
     We may offer you special Promotional or Introductory APRs from time to time. If we do, we will tell you:  
     �    the eligible transaction types;  
     �    how long this APR will last ; and  
     �    any other special terms of the offer.  
     HOW A VARIABLE RATE MAY CHANGE  
     Your variable APRs can change with each monthly billing cycle.   
     We will apply each APR to the applicable balance for each type of transaction. Each variable APR will be equal to:  
     a)  the amount shown in Part 2 (�Spread�); plus  
     b)  the U.S. �Prime Rate� as defined below.  
     The Prime Rate will be as shown in the Money Rates table of  The Wall Street Journal  that is in effect on the last day of 
     the month.   
     Any changes in the Prime Rate w ill take effect on the first day of your billing cycle beginning in the next month.  
     An increase in the U.S. Prime Rate will increase your Daily Periodic Rates. It may also increase your:  
     �    Interest Due; and/or  
     �    Minimum Payment Due.  
      
     ABOUT THE PENALTY APR  
     If you do not make your Minimum Payment Due by the Payment Due Date, we may increase your APRs to the Penalty 
     APR.  
     If this occurs:  
     �    we will provide advance notice before the Penalty APR goes into effect;   
     �    once the Penalty APR goes into effect, if you ma ke your Minimum Payment Due by the Payment Due Date for the 
     next six consecutive billing cycles, your rates will return to the non - Penalty APRs that apply to your Account; and  
     �    if you do not make the next six consecutive minimum payments by the Payment Du e Date, we may keep the 
     Penalty APR on your Account indefinitely.  
     Interest Charges   
     HOW INTEREST CHARGES ARE CALCULATED  
     To determine your periodic Interest Charges on each billing statement, we:  
     � determine the Average Daily Balance for each type of transa ction; (for example, purchases, balance transfers, and cash 
     advances); then  
     � multiply this number by the applicable Daily Periodic Rate; then  
     � multiply this number by the total number of days in the billing cycle.  
     We use the applicable Daily Periodic Rat e in effect on the billing statement closing date.  
     HOW DAILY BALANCE IS DETERMINED  
     To determine your Daily Balance, we:  
     � take the beginning balance for each type of transaction that day;  then  
     � add the following that were incurred on that day:  
     a) any new  transactions;  
     b) any previous day�s periodic Interest Charges;  
     c) any Finance Charges; and  
     d) any fees and charges, including any credit insurance premiums or debt cancelation fees, if these apply;   
     then  
     � subtract any payments and/or credits.  
     We also mak e any needed adjustments. For example:  
     � If a transaction posts after, but occurs before the start of a billing cycle, we may adjust the amount above to include this 
     transaction. It will be included as of the first day of the billing cycle in which it post s.  
     � If your Account is subject to a grace period during the billing cycle, your payments will be subtracted from all Daily 
     Balances in the current billing cycle.  
     � If a transaction for a returned payment or a dispute resolved in our favor posts after the  beginning of the billing cycle, we 
     will make this adjustment:    
     -  the applicable Daily Balance(s) and any related Interest Charge calculations will be adjusted to include the transaction 
     amount as of the date of the original payment or transaction.   
     To cal culate your Average Daily Balance, we:  
     � add the Daily Balances for each day of the billing cycle; then  
     � divide this total by the number of days in the billing cycle.  
     PAYING INTEREST  
     Your Account has a grace period on purchases. Periodic Interest Charges  begin accruing on purchases, balance 
     transfers, cash advances, and credit card checks on the date of the transaction and continue to accrue until your balance 
     is paid in full. However, no Interest will be charged on new purchases for any billing cycle when :  
     � you paid your entire New Balance in the previous month on time; and  
     � you pay your entire current month�s balance on time as well.  
     TREATMENT OF FEES AND INTEREST  
     Any fees or Interest will be added to your Purchase balance unless otherwise stated in thi s Agreement.  
     MINIMUM INTEREST CHARGE  
     If you are charged Interest, the charge will be no less than the Minimum Interest Charge listed in Part 2. The Minimum 
     Interest Charge will be allocated to each balance category subject to an Interest Charge.  
     BALANCE TR ANSFER FEE  
     This fee is shown in Part 2. This fee:  
     � applies to balance transfers and credit card checks; and  
     � is charged as of the date the transfer or check posts to your Account; and  
     � is added to the same balance as the balance transfer; and  
     � is a Fin ance Charge.  
     CASH ADVANCE FEE   
     This fee is shown in Part 2. It applies to:  
     � cash you get over the counter (e.g., at a bank);  
     � cash you get at an ATM; and  
     � other �cash - like� transactions (such as money orders, traveler�s checks, casino chips, or lottery  tickets).  
     This fee is:  
     � charged as of the date the transaction posts to your Account; and  
     � added to the cash advance balance; and  
     � a Finance Charge.  
     FEES AND LIMITS  
     The fees that apply to your Account are shown in the Purchase balance unless otherwise s tated in this Agreement.   
     If charging any fee shown in Part 2 would exceed first - year fee limits set by law, we may charge an amount allowed by 
     law. If we do this, it does not affect our ability to charge the full fee amount later.   
     ANNUAL OR PERIODIC MEMB ERSHIP FEE  
     If your Account has an Annual or Periodic Membership Fee, this amount is shown in Part 2. You agree that this fee will be 
     charged to your Account while your Account is:  
     � open; or   
     � closed with a balance.   
     If you have not used your Account and  you close it within 90 days of when it was opened, the Annual or Periodic 
     Membership Fee(s) will be refunded (if paid) or reversed.  
     This Fee compensates Capital One, N.A., in part, for Cardmember services provided or made available to you throughout 
     the me mbership year.  
     LATE PAYMENT FEE   
     This fee is shown in Part 2. It is charged in any billing cycle that you do not pay at least the Minimum Payment Due by the 
     Payment Due Date.  
     RETURNED PAYMENT FEE  
     This fee is shown in Part 2. It is charged each time a check  or other form of payment to us is returned or not honored.  
     PAYMENT BY PHONE FEE  
     This fee:  
     � may be charged each time anyone makes a Payment to your Account with the assistance of a live phone representative; 
     and  
     � amount is disclosed at the time a payment  by phone is requested.  
     COPY REQUEST FEE  
     A fee may be charged each time a copy of a document is requested. The fee amount will be disclosed at the time of your 
     request.  
     STOP PAYMENT FEE   
     This fee is shown in Part 2. It may apply when you request a stop pay ment on a credit card check you have written.  
     Please note, if the check has already cleared, a stop payment cannot be requested.  
     To request a stop payment you must notify us in writing. Please use the �Billing  Inquiries� address on your billing 
     statement.  
     If you notify us by phone, you must also notify us in writing within 14 days of your call.   
     Your written, signed request must include these items:  
     � check number;  
     � payee name;  
     � check date; and  
     � check amount.  
     Your stop payment order will end after six m onths unless you renew it in writing.  
     HOW WE APPLY PAYMENTS  
     We apply your payment up to and including the Minimum Payment Due as we determine, and usually to lower APR 
     balances before higher ones.  
     Any payment amount greater than the Minimum Payment Due is  applied to higher APR balances before lower ones.  
     GETTING ADDITIONAL CARDS  
     You may:  
     � request additional cards for others; and/or  
     � permit others to use your Card or Account Number.  
     You are responsible for all charges made on additional Account cards or by  permitted users.  
     To revoke another person�s permission to use your Account, you must:  
     � notify us; and  
     � retrieve and destroy any cards, checks or other Account access devices from that person.  
     UPDATING YOUR RECORDS  
     You agree:  
     a) to give us prompt advance  notice of any change in your name, mailing address, phone number, or employer;   
     b) to promptly give us accurate financial information about you if we ask for it; and  
     c) the Department of Motor Vehicles may release your home address to us if we ever need i t to find you.  
     CLOSING YOUR ACCOUNT  
     You can close your Account at any time by:  
     � calling the number on the back of your Card; or  
     � mailing your request to the �Billing Inquiries� address on your billing statement.  
     Once you close the Account:  
     � you must des troy your Card(s) and any unused credit card checks; and  
     � you will still be responsible for all amounts owed according to the terms of this Agreement.  
     LOST OR STOLEN CARD/CHECKS  
     You agree to notify us immediately if:  
     � your Card or credit card checks are  lost or stolen; or  
     � your Account is used without your permission.  
     You may call at any time. The phone number is listed on your billing statement.  
     ACCOUNT DEFAULT    
     We may consider your Account to be in Default if you:  
     a)   fail to make the Minimum Payment Du e when due;    
     b)   become the subject of bankruptcy proceedings, foreclosure, repossession, lien or judgment, garnishment, or 
     attachment;  
     c)   give us misleading, false, or incomplete information;   
     d)   fail to give us a current physical address  when you apply a nd whenever you move;    
     e)   make payments to us that are returned unpaid by your bank or other financial institution;  
     f)   write any credit card checks that are returned unpaid by us;   
     g)     default under any other agreement or security agreement you have with  us or with one of our affiliates; and/or  
     h)     become incompetent or deceased.   
     Upon default, we have the right to:  
     �    close your Account;  
     �    suspend your credit privileges;   
     �    require you to pay your entire Account balance including any Introductory or Pr omotional APR balances, all 
     accrued but unpaid Interest Charges, and other charges provided for in this Agreement immediately;    
     �    change the terms of your Account; and  
     �    sue you for what you owe.   
     If we incur costs to collect your balance owed, including  any attorney fees, we may charge you for these costs as 
     permitted by applicable law, and we will apply your payments first to these costs.  
     CREDIT REPORTING  
     You agree that we may obtain and use credit information about you from others such as:   
     - merchants o r stores;   
     - other lenders; and  
     - consumer reporting agencies.  
     If you fail to meet the terms of this Agreement, we may send a negative report to consumer reporting agencies.  
     If you believe we have reported inaccurate information about your Account to any con sumer reporting agency, you should:  
     -  notify us and ask us to correct the inaccurate information by writing to us at Capital One, P.O. Box 5253, Carol Stream, 
     IL 60197 - 5253.  
     When you write to us, tell us:  
     -  your Account number; and  
     -  the specific informati on you believe is not correct; and  
     -  why you believe it is not correct.  
     ACCOUNT CLOSURE  
     At any time, for any reason, we may take any of these actions subject to applicable law:  
     a) close your Account;  
     b) suspend your access to new credit;    
     c) reduce your c redit limit; and/or   
     d) not renew your Card.  
     If we close your Account, you agree to destroy your Card(s) and any unused credit card checks.    
     If your Account is closed for any reason, the terms of this Agreement still apply to Account balances until your A ccount is 
     paid in full.   
     MONITORING PRACTICES  
     You agree that we may listen to and record phone calls between you and our representatives.  
     CHANGE OF TERMS  
     We may change this Agreement as allowed by applicable law. This may include changing, adding, or remov ing terms. We 
     may do this in response to legal, business, competitive environment or other reasons not listed here.   
     We may increase the Interest rate on existing balances in limited circumstances.  Changes to some terms may require at 
     least 45 days advanc e notice, and we will tell you in the notice if you have the right to reject a change. We cannot change 
     certain terms during the first year of your Account.  
     ACCOUNT ASSIGNMENT  
     We may sell, assign or transfer all or any part of your Agreement and Account wi thout notice to you. You may not sell, 
     assign or transfer your Account.  
     WAIVERS  
     If we delay or take no action allowed under this Agreement, for any reason, we will not lose or limit any of our rights under 
     this Agreement on any other occasion.   
     SEVERABILIT Y  
     If a term is found to be invalid under any applicable law, rule or regulation, then all other terms of this Agreement will 
     remain valid.  
     APPLICABLE LAWS  
     This Agreement is governed by Commonwealth of Virginia law and federal law.   
     We make our credit decis ions and extend credit to you under this Agreement from the Commonwealth of Virginia. This 
     Agreement is:  
     � entered into in the Commonwealth of Virginia; and  
     � maintained in the Commonwealth of Virginia.  
     This is true whether or not you use your Card in the  Commonwealth of Virginia.   
      
     YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE  
     This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
     What To Do If You Find A Mistake On Your Statement  
     If you think there is  an error on your statement, write to us at:   
     Capital One, N.A.  
     PO Box 5253  
     Carol Stream, IL 60197 - 5253 or at the address shown on your billing statement.   
     In your letter, give us the following information:  
     � Account information: Your name and account numbe r.  
     � Dollar amount: The dollar amount of the suspected error.  
     � Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe 
     it is a mistake.  
     You must contact us:  
     � Within 60 days after the err or appeared on your statement.  
     � At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you 
     think is wrong.  
     You must notify us of any potential errors in writing. You may call us, but if you do we are n ot required to investigate any 
     potential errors and you may have to pay the amount in question.  
     What Will Happen After We Receive Your Letter  
     When we receive your letter, we must do two things:  
     1. Within 30 days of receiving your letter, we must tell you t hat we received your letter.  
     We will also tell you if we have already corrected the error.  
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is 
     correct.  
     While we investigate whether or no t there has been an error:  
     � We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     � The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     � While you do not h ave to pay the amount in question, you are responsible for the remainder of your balance.  
     � We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will 
     happen:  
     �  If we made a mistake : You will not hav e to pay the amount in question or any interest or other fees related to that 
     amount.  
     �  If we do not believe there was a mistake : You will have to pay the amount in question, along with applicable interest and 
     fees. We will send you a statement of the amou nt you owe and the date payment is due. We may then report you as 
     delinquent if you do not pay the amount we think you owe.  
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still 
     r efuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. 
     We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know 
     when the matter ha s been settled between us.   
     If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is 
     correct.  
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfie d with the goods or services that you have purchased with your credit card, and you have tried in 
     good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the 
     purchase.  
     To use this right, all of the  following must be true:  
     1. The purchase must have been made in your home State or within 100 miles of your current mailing address, and the 
     purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an  
     advertisement we mailed to you, or if we own the company that sold you the goods or services.)  
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a 
     check that accesses your credit card account do  not qualify.  
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with 
     the purchase, contact us in writing at:   
     Capital One, N.A.  
     PO Box 5253  
     Carol Stream, IL 60197 - 5253 or at the addres s shown   
     on your billing statement.   
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, 
     we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we  may report you as 
     delinquent.  
     Missouri Residents: Oral agreements or commitments to loan money, extend credit or to forbear from enforcing 
     repayment of a debt including promises to extend or renew such debt are not enforceable. To protect you 
     (borrower(s) ) and us (creditor) from misunderstanding or disappointment, any agreements we reach covering 
     such matters are contained in this writing, which is the complete and exclusive statement of the agreement 
     between us, except as we may later agree in writing to  modify it.  
      
     AG3148A (05/12) CI  
      
      
      
      
     Cardmember Agreement and Disclosure Statement          
     Part 2 of 2: Rates, Fees and Payment Information     
     I. INTEREST RATES  
     Annual Percentage Rate (�APR�) and Daily Periodic Rate (�DPR�)  
     (as of 6/ 30 /12) Variable Rate Accounts: Your  APRs are equal to the  
     Prime Rate plus the listed Spread.  
      
     APR for Purchases  
     18.99% - 20.99%  APR  (corresponding 0.05202%  -  0 .05751 %DPR)  
     Spread used  
     15.74%  �  17.74%  
      
     APR for Balance Transfers  
     18.99% - 20.99%  APR  (corresponding 0.05202%  -  0. 05751 %DPR)  
     Spread used  
     15.74%  �  17.74%  
      
     APR for Cash Advances  
     25.24%  APR  (corresponding 0.06915% DPR)  
     Spread used  
     21.99%  
      
     Penalty APR  
     29.99%  APR  (corresponding 0.08216% DPR)  
     Spread used  
     26.74%  
      
     II. INTEREST CHARGES AND FEES  
     Minimum Interest Charge:  $1.00  
     Paying  Interest:  Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on 
     purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances 
     and balance transfe rs on the transaction date.  
     Balance Transfer Fee:  Either $15 or 3% of the amount of each transfer, whichever is greater.  
      
     Cash Advance Fee:  Either $15 or 3% of the amount of each cash advance, whichever is greater.   
      
     Annual Fee:  $0  
      
     Late Payment Fee:  The a mount of the Late Payment Fee is shown below. The Late Payment Fee will not exceed the 
     amount of your Minimum Payment Due.  
      
     If your Outstanding Balance on your payment Due Date is up to and including $100.00 the Late Payment Fee is $15 the 
     first time your  payment is late; and, if another payment is late during the next 6 billing cycles the Late Payment Fee is $15.  
      
     If your Outstanding Balance on your payment Due Date is up to and including $100.01 the Late Payment Fee is $25 the 
     first time your payment is l ate; and, if another payment is late during the next 6 billing cycles the Late Payment Fee is $29.  
      
     If your Outstanding Balance on your payment Due Date is more than $1000.00 the Late Payment Fee is $25 the first time 
     your payment is late; and, if another  payment is late during the next 6 billing cycles the Late Payment Fee is $35.  
      
     Returned Payment Fee  -  $25. The Returned Payment Fee will not exceed the amount of your Minimum Payment Due.  
      
     Stop Payment Fee:  $29  
      
     III. WHEN AND HOW TO PAY  
     Minimum Payment Due  
     Your Minimum Payment Due (�Payment Due�) each billing cycle will be as follows:  
     1) If your New Balance is $25 or less, your Payment Due is equal to your New Balance.  
     2) If your New Balance is more than $25, your Payment Due is equal to any amount past due , plus the greater of:  
     a) $25; or  
     b) 1% of your New Balance; plus  
     -  billed Late Payment Fees; plus  
     -  billed Over the Credit Limit Fees; plus  
     -  billed Interest Charges; plus  
     -  1/12th of the Annual Fee, if any.  
     Unless your Payment Due is equal to your new Ac count balance, it will be rounded up to the nearest dollar  
      
     Pricing Addendum  
      
     INTEREST RATES AND FINANCE CHARGES  
      
     Interest Rates  
     The APRs on your Account are either fixed or variable rates as indicated on the Additional Disclosure Statement. The 
     APR is div ided by 365 and rounded to the next highest hundred  
     thousandth of a percentage point to determine your Daily Periodic Rate. The Daily Periodic Rate is used to determine the 
     amount of periodic Interest Charges.  Variable rates are determined by adding a spe cified amount (�Spread�) to an Index 
     (described below).  
      
     Index for Variable Rate Accounts  
     For each billing cycle, variable APRs are calculated by adding a specified amount (�Spread�) to the U.S. prime rate 
     published in the Money Rates table of  The Wall Str eet Journal  that is in effect  
     on the last day of the month (�Prime Rate�). If the Prime Rate changes, the new APRs will take effect on the first day of 
     your billing cycle beginning in the next month.  An increase in the Prime Rate will increase your applic able Daily Periodic 
     Rates which may increase the Interest Charge  
     due on your Account and may increase the Minimum Payment Due. Each time any APR changes, we will apply it to any 
     applicable balances.  
      
     Specific Rates and Fees may be determined based on your  creditworthiness.  
      
     Purchase APR  
     Prime plus   15.74%  �  17.74%  
      
     Balance Transfer APR  
     Prime plus 15.74%  � 17.74%, if available  
      
     Cash Advance APR  
     Prime plus 21.99%  
      
     Penalty APR  
     Prime plus 26.74%   
      
     ABOUT THE PENALTY APR :    
     If you do not make your Minimum Payment Due by the  Payment Due Date, we may  increase your APRs to the Penalty 
     APR.   
      
      
     If this occurs:  
        �   We will provide advance notice before the Penalty APR goes into effect.  
        �   Once the Penalty APR goes into effect, if you make your Minimum Payment Due by the Payment Due Date  for 
          the next six consecutive billing cycles, your rates will return to the non - Penalty APRs that apply to your Account.   
        �   If you do not make the next six consecutive minimum payments by the Payment Due Date, we may keep the 
          Penalty APR on your Account inde finitely.  
      
     Interest and Finance Charges  
      
     Minimum Interest Charge:   If you are charged Interest, the charge will be no less than the   
      
     Minimum Interest Charge  of $1.00.  
      
     Paying Interest:  Your due date is at least 25 days after the close of each billing cycl e. We will not charge you interest on 
     purchases if you pay your entire balance by the due date  
     each month. We will begin charging interest on cash advances and balance transfers on the transaction date.  
      
     Balance Transfer Fee:    Either $15 or 3% of each tra nsfer, whichever is greater, unless otherwise disclosed.   
      
     Cash Advance Fee:    Either $15 or 3% of each cash advance, whichever is greater.   
      
      
     ACCOUNT FEES AND OTHER CHARGES  
      
     Annual Fee:   $0  
      
     Late Payment Fee:    
      
     The amount of the Late Payment Fee is shown  below. The Late Payment Fee will not exceed the  
     amount of your Minimum Payment Due.  
      
     If your Outstanding Balance on your payment Due Date is up to and including $100.00 the Late Payment Fee is $15 the 
     first time your payment is late; and, if another paymen t is late during the next 6 billing cycles the Late Payment Fee is $15.  
      
     If your Outstanding Balance on your payment Due Date is up to and including $100.01 the Late Payment Fee is $25 the 
     first time your payment is late; and, if another payment is late du ring the next 6 billing cycles the Late Payment Fee is $29.  
      
     If your Outstanding Balance on your payment Due Date is more than $1000.00 the Late Payment Fee is $25 the first time 
     your payment is late; and, if another payment is late during the next 6 billi ng cycles the Late Payment Fee is $35.  
      
      
      
     Returned Payment Fee : $25.  The Returned Payment Fee will not exceed the Minimum Payment Due.  
      
      
     Required insurance, debt cancellation or debt suspension coverage:   None  
      
     Balance Computation Method: Average Daily Ba lance (including new transactions).   To calculate the Daily 
     Balances, we take the beginning balance for each type of transaction every day, add any new transactions, any previous 
     day�s periodic Interest Charges, any Finance Charges, any fees and charges, a nd subtract any payments and/or credits 
     and make any necessary adjustments. To calculate the Average Daily Balance, we add the Daily Balances for each day 
     of the billing cycle and divide the total by the number of days in the billing cycle.  
      
     Pricing Addend um_Saks World 3148A  
      
     Rev (6/12)