�
     Credit Card Agreement for Union Privilege 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, 2016. 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). 
     Family Member and Working America cardmembers may not be eligible for certain bene?ts. 
     If you are no longer a current union member in good standing of a participating union, a retired union member, a family 
     member of a current union member in good standing of a participating union, or a member of Working America, you are not 
     eligible for this pricing and your Account may be repriced and you may not be eligible for certain bene?ts. 
      CAPITAL ONE PRICING INFORMATION 
      Annual Percentage Rate   22.99%. 
      (APR) for Purchases 
                        This APR will vary with the market based on the Prime Rate. 
      APR for Balance    22.99%. 
      Transfers 
                        This APR will vary with the market based on the Prime Rate. 
      APR for Cash Advances  24.24%. 
                        This APR will vary with the market based on the Prime Rate. 
      Penalty APR and    25.24%. 
      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 unless you make six consecutive minimum payments on 
                        time following the rate increase. 
      Paying Interest  Your due date is at least 25 days after the close of each billing cycle. We will not charge 
                        interest on new purchases, provided you have paid your previous balance in full by the due
                        date each month. We will begin charging interest on cash advances and special transfers on 
                        the transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      Annual Fee  $0 - $35. 
      Transaction Fees 
      � Balance Transfer Fee   None. 
      � Cash Advance Fee   Either $10 or 4% of the amount of each cash advance, whichever is greater.
      � Foreign Transaction Fee   None. 
      Penalty Fees 
      � Late Payment    Up to $35.
      � Over the Credit Limit Fee   None. 
      � Returned Payment   Up to $25. 
     Balance Computation Method: Average Daily Balance (including new purchases)
     The �Daily Balance� of a Credit Plan is determined by taking the opening balance of the Credit Plan for that day, and adding 1) 
     any new purchase made on the Credit Plan that day, 2) the previous day�s Interest Charges, 3) any credit insurance premiums 
     or debt cancellation fees (if applicable) incurred on that day and 4) any late fees, over the credit limit fees, returned payment
     fees or other fees incurred on that day and subtracting any payments or credit applied to the Credit Plan that day. If your 
     Account is subject to a grace period during the billing cycle, payments made during that cycle will be subtracted from all Daily
     Balances in the current cycle. 
     Required Insurance, Debt Cancellation or Debt Suspension Coverage: None. 
     Disclosure of Rates: The Daily Periodic Rate which is used to determine your Interest Charges and the corresponding Annual   
     Percentage Rate, will be variable rates which may change monthly. The Daily Periodic Rate will be one-three hundred sixty ?fth  
     of the sum of the U.S. prime rate published in Money Rates table of The Wall Street Journal that is in effect on the last day of the  
     month. (�Prime Rate�), plus a �Spread� of 19.49 percentage points for the Standard Rate and a �Spread� of 21.74 percentage  
     points for the Penalty Rate. Any changes in the Prime Rate will take effect on the ?rst day of your billing cycle beginning in the  
     next month. 
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              � 
      Capital One   Customer Agreement       We may also increase, decrease, restrict or cancel your 
                                             credit limit on any Segment at any time. This will not affect 
      Welcome to Capital One
                                             your obligation to pay us. 
      Thank you for opening a credit card account with us.   
      This Customer Agreement, including any changes to it   Using Your Account
      (�Agreement�), contains the terms of your agreement with  (1) This Agreement applies whether or not you use your   
      Capital One.                              Card or Account. It will continue to apply even after your  
                                                Account is closed, as long as you have a balance.
      De?nitions 
                                              (2) You must sign the Card immediately when you receive it.  
      The meanings of the terms you see in italics appear in the
                                              (3) You must return the Card to us or destroy it if we ask   
      Glossary section at the end of this Agreement. 
                                                you to.
      As used here, �you� and �your� mean each applicant and co-   (4)You must take reasonable steps to prevent the
  
      applicant for the Account; any person responsible for paying    unauthorized use of your Card, Access Checks
    
      the Account; and any person responsible for complying with    and Account.

      this Agreement. �We�, �us�, �our� and �Capital One� mean    (5) We may decline to authorize a transaction for any   
      Capital One, National Association and its agents, authorized    reason. This may occur even if the transaction would 
      representatives, successors and assignees.     not cause you to go over your credit limit or your
                                                Account is not in default.
      Account Documents 
                                             (6) We are not responsible for any losses you incur if we   
      The following documents govern your Account with us:   do not authorize a transaction.
       (1)  this  Agreement;                 (7) We are not responsible for any losses you incur if 
  
       (2)  all  Statements;                    anyone refuses to accept your Card for any reason.

       (3) any rewards program terms, conditions and disclosures;    (8) Unless we tell you otherwise, we will bill each  
       (4) any privacy notices;                 transaction to the applicable Segment of your Account. 
       (5)  your  Card bene?ts brochure, which describes bene?ts      We will apply it against your available credit for that 
         provided by the Payment Card Network for your Account;   Segment.
       (6) all disclosures and materials provided to you before or    (9) You may obtain Balance Transfers and Cash   
         when you opened your Account;          Advances as permitted for your Account. You may not 
       (7) any other documents and disclosures relating to your    use these to pay any amount you owe us or any other
         Account, including those provided online; and  company in the Capital One organization.
       (8) any future changes we make to any of the above.     (10) You must not use, or try to use, the Card for any illegal    
                                                activity. You are responsible for any charges if you do.
       Please read these carefully and keep them for  
                                             (11) We are not liable for any losses that may result when     
       future reference. 
                                                our services are unavailable due to reasons beyond
      New Offers                                our control. 
      In the future, we may provide you with new offers that we   Rewards 
      think may interest you. The terms of these offers may differ 
                                             Your Account may provide you with the opportunity to earn
      from the standard terms on your Account. This Agreement 
                                             rewards. If it does, we will separately provide you with
      will still apply. 
                                             information and terms about the rewards. 
      Account Information 
                                             Access Checks 
      We need information about you to manage your Account. 
                                             We may provide you with Access Checks. If we do, we will 
       This includes: 
                                             tell you at the time if we consider them purchases, Cash 
       (1) your legal name,                  Advances or Balance Transfers. 
       (2) a valid U.S. or Canada mailing address and residential  
                                             Only the person we designate may use Access Checks. 
         address (if different),
                                             You may not use them to pay any amount you owe us or 
       (3) your date of birth,  
                                             any other company in the Capital One organization. We 
       (4) your Social Security number or other government  
                                             may reject and not pay any Access Check if: 
         identi?cation number, 
       (5) your telephone number(s), and     (1)  your  Account is past due, charged off, bankrupt, lost/  
       (6) your employment and income information.     stolen or closed; 
                                             (2) we suspect fraud;  
       You must tell us when this information changes. We may 
                                             (3)  your  Account is over the credit limit; or   
       ask you for additional documents to verify any changes.
                                             (4) the check has expired, is damaged or cannot otherwise  
       We may restrict or close your Account if we cannot verify
                                               be processed. 
       your information, or if you do not provide it as requested. 
                                             Our liability if we do not pay an Access Check will never be 
      Credit Limits 
                                             more than (1) your actual damages or (2) the amount of the
      When you open your Account, we will tell you your credit  Access Check, whichever is less. 
      limits. These will also appear on your Statement. We may 
                                             Use of an Access Check is not the same as using your  
      also refer to your credit limits as your credit lines. We may 
                                             Card. When you use an Access Check, you will have fewer
      give you different credit limits for the different Segments of 
                                             rights to dispute merchant transactions than with uses
      your Account. For example, you may have one credit limit
                                             of your Card. Please see the �Billing Rights Summary� 
      for purchases and a different one for Cash Advances.   
                                             on your Statement and your other Truth-in-Lending 
      You are responsible for keeping track of your Segment  Disclosures for more information. 
      balances and your available credit. You must manage your 
                                             Stopping Payment of Access Checks
      Account to remain below your credit limits. We may honor 
      transactions above your credit limits, but if we do, these  You may request a stop payment on any Access Check by
      transactions will not increase your credit limit. You are   contacting Customer Service. 
      responsible for paying for any transaction you make above  We will have a reasonable amount of time after your 
      your credit limits.                    stop payment request to research and complete the stop 
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      payment. We will not be responsible if we cannot complete   Truth-in-Lending Disclosures. If you do not notify us of an
      the stop payment. Reasons include:     error, we will assume that all information on the Statement   
                                             is correct. 
      (1) the Access Check was already paid;  
      (2) you do not give us the information we asked for; or    If we credit your Account for all or part of a disputed
      (3) the information you gave us was incorrect.     transaction, you give us all of your rights against others
                                             regarding that transaction. You will also: 
      We do not have to release the stop payment order unless 
      the account holder who made the request asks us to. If we  (1) give us any information about the disputed transaction,  
      re-credit your Account after a valid stop payment order, you   if we ask; 
      give us all of your rights against the payee or other holder  (2) not pursue any claim or reimbursement of the  
      of the paid Access Check. You also agree to help us in any   transaction amount from the merchant or any other
      legal action we may later take against the payee or other  person; and
      holder of the check.                   (3) help us get reimbursement from others.   
      Using a PIN                            No Warranties 
      We may give you a personal identi?cation number (PIN).   We are not responsible for any claim you may have 
      For security reasons, you may have to provide the PIN  regarding the purchase of goods or services made with 
      before you are able to use your Card.   your Card beyond your rights described in the �Billing
                                             Rights Summary� on your Statement. 
      Keep your PIN secure. Do not write it down, give it to
      anyone or keep it with your Card. If you lose your Card   Lost or Stolen Card 
       or believe the con?dentiality of your PIN has been  If your Card is lost or stolen or if you think someone else
       compromised for any reason, you must contact Customer  may be using your Card or Account number without 
       Service immediately.                  your permission, you must contact Customer Service
                                             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 
      an Authorized User. We may require certain information   If we reimburse you for unauthorized transactions, you will
       about them. We may limit their ability to use your Card.   help us investigate, pursue and get reimbursement from
      They may have access to certain information about your  the wrongdoer. Your help includes giving us documents in a 
      Account. You will be responsible for their use of the   form that we request. 
      Account and anyone else they allow to use your Account, 
                                             Interest Charges and Fees
       even if you did not want, or agree to, that use. 
                                             We will charge Interest Charges and Fees to your Account   
      Removing an Authorized User            as disclosed on your Statement and other Truth-in-Lending 
      If you want to remove an Authorized User from your  Disclosures. In general, Interest Charges begin to accrue
       Account, you must contact Customer Service and request  from the day a transaction occurs. However, we will not   
      their removal. You also must immediately destroy all Cards     charge you interest on any new transactions posted to the
      in their possession and cancel any arrangements they may  purchase Segment of your Account if you paid the total
      have set up on your Account. They will be able to use your    balance across all Segments of your Account in full by
      Account until you have noti?ed us that you are removing  the due date on your Statement each month. From time 
      them from your Account. During this time, you will still be  to time, we may give you offers that allow you to pay less 
      responsible for all amounts they charge to your Account.   than the total balance and avoid Interest Charges on new 
      You will be responsible even if these amounts do not   purchase Segment transactions. If we do, we will provide
      appear on your Account until later.    details in the speci?c offer. 
       Authorized Users may remove themselves from your  We will generally treat Fees as purchase transactions  
       Account upon request. We reserve the right to remove     unless otherwise speci?ed below. These Fees apply to your  
       them from your Account for any reason. To remove them   Account only if your Truth-in-Lending Disclosures provide for  
       from your Account, we may close your existing Account     them. We may increase your Interest Charges and Fees as   
      and issue a new Card with a new Account number.   described in the Changes to Your Agreement section or in   
                                             your Truth-in-Lending Disclosures. 
      Your Promise to Pay
      You promise to pay us all amounts due on your Account.   Membership Fee
      This includes amounts where you did not sign a purchase  If your Account has a membership Fee, we may charge the  
      slip or other documents for the transaction. We will treat   ?rst Fee as early as the date we approve your application.  
      transactions made without presenting your actual Card     If you have not used your Account and you close it within  
      (such as for mail, telephone, Internet or mobile device 90 days of when it was opened, the annual or periodic  
      purchases) the same as if you used the Card in person. If  membership Fee(s) will be refunded (if paid) or reversed. If    
      you let someone else use your Card, you are responsible  your Account terms include a $0 introductory membership  
      for all transactions that person makes.   Fee, the ?rst Fee may instead be charged at a later time  
                                             when the introductory period expires. If it is an annual Fee,   
      Statements 
                                             we may then charge it approximately once per year. If it is a  
      We will generally send or make available to you one 
                                             monthly Fee, we may charge it each Billing Cycle. 
      Statement for all Cards on your Account at the end of each 
      Billing Cycle. Under certain circumstances, the law may not  Late Payment Fee
      require us to send or make available to you a Statement, or   We may charge you this Fee if we do not receive your
      may prohibit us from doing so.         payment as instructed on your Statement by the payment
                                             due date. 
      Disputed Transactions
      You must inspect each Statement you receive. Tell us   Returned Payment Fee
      about any errors or questions you have, as described in  We may charge you this Fee each time your ?nancial  
      the �Billing Rights Summary� on your Statement and other   institution for any reason rejects a payment you make to us. 
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      Stop Payment Fee                       Payment Processing
      We may charge you this Fee each time you ask us to (1)   We may accept and process payments without losing any 
      stop payment on an Access Check or (2) renew an existing  of our rights. We may delay the availability of credit until we 
       stop payment order.                   con?rm that your payment has cleared. This may happen 
                                             even if we credit your payment to your Account. We may 
      Cash Advance Fee 
                                             resubmit and collect returned payments electronically. If 
      We may charge you this Fee each time you take out a
                                             necessary, we may adjust your Account to correct errors, 
      Cash Advance. We will treat this Fee as a Cash Advance   
                                             process returned and reversed payments and handle
       transaction. 
                                             similar issues. 
      Balance Transfer Fee 
                                             When you send us an Item as payment, you authorize
      We may charge you this Fee each time you make a  us to make a one-time electronic fund transfer from your
      Balance Transfer. We will charge the Fee to the Balance   deposit account. You also authorize us to process the 
      Transfer Segment.                      payment as an Item. We may withdraw the funds from 
      Transactions Made in Foreign Currencies  your deposit account as early as the same day we receive
                                             your payment. You will not receive your Item back from 
      If you make a transaction in a foreign currency, the 
                                             your bank. We will provide additional information about this 
      Payment Card Network will convert it into a U.S. dollar 
                                             process on your Statement. 
      amount. The Payment Card Network will use its own 
      currency conversion procedures. The conversion rate   We may use the information from an Item to create an 
      in effect on the processing date may differ from the rate   electronic image. We may collect and return the image 
      in effect on the transaction date that appears on your   electronically. This electronic image may also be converted 
      Statement. We do not adjust the currency exchange rate or   to a substitute check and may be processed in the same
      charge any currency conversion Fees.   way we would process an Item. We will not be responsible 
                                             if an Item you provide has physical features that when
      Minimum Payment
                                             imaged result in it not being processed as you intended. 
      You must pay us at least the minimum payment amount by 
      the payment due date. Your Statement will tell you:   How We Apply Your Payments
                                             Your Account may have Segments with different Annual 
       (1) the minimum payment due,  
                                             Percentage Rates (APR). For example, purchases may
       (2) your new balance,  
                                             have a lower APR than Cash Advances. If your Account   
       (3) the payment due date and  
                                             has Segment balances with different APRs, here is how we 
       (4) an explanation of when the payment must reach us for  
                                             apply payments in a Billing Cycle: 
         us to consider it received as of that date. 
                                             (1) We generally apply payments up to your minimum   
       Returns and other credits to your Account will reduce your
                                               payment ?rst to the balance with the lowest APR, and 
      Account balance, but they will not change your minimum 
                                               then to balances with higher APRs.
      payment amount. 
                                             (2) We apply any part of your payment exceeding your   
      In addition to the minimum payment, you may pay all or    minimum payment to the balance with the highest APR, 
      part of the total balance on your Account. But, you must still    and then to balances with lower APRs. 
      pay at least the minimum payment amount each month,  
                                             We do this based on the APRs in effect and balances owed 
      even if you paid more than the minimum payment due on  
                                             on the day your preceding Billing Cycle ended. 
      the previous Statement. We will continue to charge Interest   
      Charges during Billing Cycles when you carry a balance    Items with Restrictive Words, Conditions,   
       regardless of whether your Statement includes a minimum     or Instructions 
       payment that is due. If your Account is 180 days past due, is    You must mail all Items bearing restrictive words,
       part of a bankruptcy proceeding, or is otherwise charged off,    conditions, limitations or special instructions to: 
       the total balance is immediately due and payable. 
                                             Capital One
      Making Payments                        PO Box 1330 
      Your payment must be made in U.S. dollars from a U.S.   Charlotte, NC 28201-1330 
      deposit account in a form acceptable to us. We do not 
                                             This includes Items marked �Paid in Full� or similar language.  
      accept cash payments through the mail. You may not make 
                                             This also includes all accompanying communications. 
      payments with funds from your Account or any other credit
      account with us or any other company in the Capital One  If you make such a payment or send any accompanying
      organization. You must send mailed payments to us as   communications to any other address, we may reject it
      instructed on your Statement, unless we tell you otherwise.     and return it to you. We may also accept it and process it   
                                             without losing any of our rights. 
      Other Payment Services
      We may make services available that allow you to make   Credit Balances 
      faster or recurring payments online or by telephone. We   We may reject and return any payment that creates or adds 
      will describe the terms for using these services and any  to a credit balance on your Account. Any credit balance 
      applicable Fee before you use them. You do not have to   we allow will not be available until we con?rm that your
      use these other payment services.      payment has cleared. We may reduce the amount of any 
                                             credit balance by any new charges. You may write to the 
      We are not responsible if your ?nancial institution rejects a 
                                             address provided on your Statement or call Customer 
      payment made using our payment services. 
                                             Service to request a refund of any available credit balance. 
      If you ask someone else to make a payment for you, we
                                             Account Default 
      may provide that person with limited Account information 
      necessary to set up and process that payment. We may   You will be in default if: 
      also refuse to accept that payment. If we do accept it, you  (1) you do not make any payment when it is due;  
      will be responsible for that payment even if a ?nancial  (2) any payment you make is rejected, not paid or cannot  
      institution rejects it.                  be processed; 
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       (3) you exceed a credit limit;        Changes to Your Agreement
      (4) you ?le or become the subject of a bankruptcy or    At any time, we may add, delete or change any term of
         insolvency proceeding;              this Agreement, unless the law prohibits us from doing so. 
      (5) you are unable or unwilling to repay your obligations,    We will give you notice of any changes as required by law. 
         including upon death or legally declared incapacity;  We may notify you of changes on your Statement or in a 
      (6) we determine that you made a false, incomplete or    separate notice. Our notice will tell you when and how the
         misleading statement to us, or you otherwise tried to  changes will take effect. The notice will describe any rights 
         defraud us; or                      you have in connection with the changes. 
      (7) you do not comply with any term of this Agreement or   
                                             Your variable APRs (if applicable) can go up or down as 
         any other agreement with us. 
                                             the index for the rate goes up or down. If we increase your
      If you are in default, we may take certain actions with     APRs for any other reason, or if we change your Fees or 
      respect to your Account. For example, depending on the    other terms of your Account, we will notify you as required
      default, we may take the following actions, without notifying    by law. 
      you, unless the law says that we must give you notice: 
                                             The Law That Applies to Your Agreement
      (1) charge you Fees, or change the APRs and Fees on   
                                             We make decisions to grant credit and issue you a Card   
         your Account, if provided in your Truth-in-Lending 
                                             from our of?ces in Virginia. This Agreement is governed 
         Disclosures; 
                                             by applicable federal law and by Virginia law. If any part of 
      (2) close or suspend your Account;   
                                             this Agreement is unenforceable, the remaining parts will 
       (3) lower your credit limit(s);  
                                             remain in effect. 
       (4) demand that you immediately pay the total balance  
         owing on your Account;              Waiver 
       (5) continue to charge you Interest Charges and Fees as     We will not lose any of our rights if we delay or choose not 
         long as your balance remains outstanding; and/or  to take any action for any reason. We may waive our right 
       (6) ?le a lawsuit against you, or pursue another action that    without notifying you. For example, we may waive your
         is not prohibited by law. If we ?le a lawsuit, you agree to   Interest Charges or Fees without notifying you and without
         pay our court costs, expenses and attorney fees, unless  losing our right to charge them in the future. 
         the law does not allow us to collect these amounts. 
                                             Assignment
      Communications                         This Agreement will be binding on, and bene?t, any of your 
      You agree that we may communicate with you by mail,   and our successors and assigns. You may not sell, assign 
      telephone, email, fax, prerecorded message, automated  or transfer your Account or this Agreement to someone 
      voice, text message or other means allowed by law  else without our written permission. 
      regarding your Account. 
                                             We may sell, assign or transfer your Account and this 
      You agree that we may contact you at any telephone number    Agreement without your permission and without prior notice
      (including a mobile telephone number that you provide us),    to you. Any assignee or assignees will take our place under 
      and use an automated telephone dialing system or similar    this Agreement. You must pay them and perform all of 
      device to do so. You agree that we may monitor or record     your obligations to them and not us. If you pay us after we
      any conversation or other communication with you.   notify you that we have transferred your Account or this 
                                             Agreement, we can return the payment to you, forward the
      Credit Reports
                                             payment to the assignee or handle it in another way that is
      We may report information about your Account to credit 
                                             reasonable. 
       bureaus and others. Late payments, missed payments or
       other defaults on your Account may be re?ected in your  Glossary
       credit report. Information we provide may appear on your  � �Access  Check� means any check we send to you to  
       and the Authorized Users� credit reports.   access credit from your Account. We may also refer to   
                                              an Access Check as a �convenience check� or a 
       If you believe that we have reported inaccurate information
                                              �purchase check�. 
       about your Account to a credit bureau or other consumer 
       reporting agency, notify us in writing at PO Box 30258,   � �Account� means your Card Account with us.    
       Salt Lake City, UT 84130-0258. When you write, tell us the 
                                             � �Authorized User� means a person who may use   
       speci?c information that you believe is incorrect and why
                                              the Card but is not responsible for the repayment of  
       you believe it is incorrect. 
                                              the Account. 
       We may obtain and use credit, income and other 
                                             � �Balance Transfer� means an amount posted to the  
       information about you from credit bureaus and others as
                                              Balance Transfer Segment of your Account unless 
       the law allows. 
                                              otherwise described in your Truth-in-Lending Disclosures. 
      Closing or Suspending Your Account
                                             �  �Billing Cycle� means the period of time re?ected    
      You may contact Customer Service to ask us to close     on a Statement. This period may vary in length, but is  
      your Account.                           approximately 30 days. You will have a Billing Cycle even if   
      We may close or suspend your Account at any time and for    a Statement is not required. We will often specify a Billing  
      any reason permitted by law, even if you are not in default.   Cycle by the month in which its closing date occurs. For  
                                              example, a �March Billing Cycle� will have a closing date  
      If we close or suspend your Account for any reason,   
                                              in March. We may also refer to a Billing Cycle as a �Billing  
      you must stop using your Card. You must also cancel all 
                                              Period�. If your Account balance has charged off, we may   
      billing arrangements set up on the Account. If we close or 
                                              switch to quarterly Billing Cycles for your Account. 
      permanently suspend your Account, you must return or
      destroy all Cards. You must still pay us all amounts you   � �Card� means any Capital One credit card associated  
      owe on the Account.                     with your Account. This includes all renewals and 
                                              substitutions. It also means any other access device for 
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       your Account we give you that allows you to obtain credit,
       including any Account number. 
      � �Cash Advance� means a loan in cash or things we  
       consider cash equivalents, including wire transfers,
       traveler�s checks, money orders, foreign currency, 
       lottery tickets, gaming chips and wagers. We post Cash 
       Advances to the Cash Advance Segment of your Account   
       and not to your purchase Segment. 
      � �Fees� mean charges imposed on your Account not   
       based on the Annual Percentage Rates. 
      � �Interest Charges� mean any charges to your Account    
       based on the application of Annual Percentage Rates. 
       � �Item� means a check, draft, money order or other  
       negotiable instrument you use to pay your Account. This 
       includes any image of these instruments. This does not 
       include an Access Check. 
       � �Payment Card Network� means the network   
       provider displayed on your Card. This may be Visa Inc., 
       MasterCard International Incorporated or any other
       network provider. 
       � �Segments� means the different parts of your Account    
       we may establish that are subject to unique APRs, pricing 
       or other terms. We create these parts of your Account   
       for such things as your purchases, Balance Transfers   
       and Cash Advances. The sum of your Segment balances 
       equals your total Account balance. 
       � �Statement� means a document showing important  
       Account information, including all transactions billed to 
       your Account during a Billing Cycle and information about 
       what you must pay. We may also refer to your Statement   
       as a �Periodic Statement� or a �Billing Statement�. 
       � �Truth-in-Lending Disclosures� means disclosures   
       that the federal Truth in Lending Act and Regulation Z 
       require for any Account. This includes your application 
       and solicitation disclosures, Account opening disclosures,
       subsequent disclosures, Statements and change in terms
       notices. 
                                       � 2015 Capital One
 
                                 Capital One is a federally registered service mark.
   
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