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     Credit Card Agreement for VISA Signature  and World Mastercard  in   
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     Capital One  Bank (USA), N.A. 
     There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer  
     Agreement. The Pricing Information shows a range of terms that includes both mail and online offers for new accounts  
     available under this Agreement as of September 30, 2020. The combination of terms that could apply to you will differ depending  
     on the speci?c card offer and on your creditworthiness at the time of application. Not all offers will contain introductory rates. The  
     Customer Agreement contains important information related to Visa Signature and World Mastercard consumer credit cards  
     issued by Capital One Bank (USA), N.A. Please visit www.capitalone.com to view our online credit card offers. If you are a current  
     Capital One cardholder, please log in to your account if you would like to request the Credit Card Agreement for your account(s).   
      CAPITAL ONE PRICING INFORMATION 
      Annual Percentage Rate  
                       Introductory rate of 0%, ranging from 9 months to 15 months. 
      (APR) for Purchases 
                        Non-introductory rates between 15.49% and 26.99%. 
                        This APR will vary with the market based on the Prime Rate. 
      APR for Transfers  Non-introductory rates between 15.49% and 26.99%. 
                        This APR will vary with the market based on the Prime Rate. 
      APR for Cash Advances  Non-introductory rates between 23.99% and 26.99%. 
                        This APR will vary with the market based on the Prime Rate. 
      Paying Interest  Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest  
                       on new purchases, provided you have paid your previous balance in full by the due date each  
                       month. We will begin charging interest on cash advances and transfers on the transaction date. 
      For Credit Card Tips from    To learn more about factors to consider when applying for or using a credit card,   
      the Consumer Financial     visit the website of the Consumer Financial Protection Bureau at   
      Protection Bureau   http://www.consumer?nance.gov/learnmore. 
      Annual Fee  Between $0 and $95 annually. 
      Transaction Fees 
      � Transfer       None.   
      � Cash Advance   Either $10 or 3% of the amount of each cash advance, whichever is greater. 
      Penalty Fees 
      � Late Payment   Up to $39. 
     How Do You Calculate My Balance? We use a method called �average daily balance (including new transactions).� See �How  
     Do You Calculate The Interest Charge?� section below. 
     What Are My Billing Rights? Information on your rights to dispute transactions and how to exercise those rights is provided
     in �Your Billing Summary� on your Statement and other Truth-in-Lending Disclosures. 
                            THINGS YOU SHOULD KNOW ABOUT THIS CARD 
     How Do You Calculate My Variable Rates? Your variable rates may change when the Prime Rate changes. We calculate 
     variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December, 
     March, June and September. If the Journal is not published on that day, then see the immediately preceding edition. Variable 
     rates on the following segment(s) will be updated quarterly and will take effect on the ?rst day of your January, April, July and 
     October billing periods: Non-Introductory Purchase APR: Prime plus a margin between 12.24% and 23.74%; Non-Introductory 
     Transfer APR: Prime plus a margin between 12.24% and 23.74%; Cash Advance APR: Prime plus a margin between 20.74% 
     and 23.74%. Any increase in the Prime rate may increase your Interest Charges and your Minimum Payment. 
     What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Introductory Purchase
     APR is 0.00000%, Non-introductory Purchase APR is between 0.04244% and 0.07395%, Non-introductory Transfer APR 
     is between 0.04244% and 0.07395%, and Cash Advance APR is between 0.06573% and 0.07395%. See �How Do You 
     Calculate The Interest Charge?� section below. 
     How Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new transactions).  
     Under this method, we ?rst calculate your daily balance; for each segment, 1) take the beginning balance and add in new  
     transactions and the periodic interest charge on the previous day�s balance, then 2) subtract any payments and credits for that  
     segment as of that day. The result is the daily balance for each segment. However, if you paid your previous month�s balance in  
     full (or if your balance was zero or a credit amount), new transactions which post to your purchase or special purchase segments  
     are not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances. 
     Next, to ?nd your Average Daily Balance: 1) add the daily balances together for each segment, and 2) divide the sum by the  
     number of days in the billing cycle. 
     At the end of each billing cycle, we determine your Interest Charge as follows: 1) multiply your Average Daily Balance by the daily  
     periodic rate (APR divided by 365) for that segment, and 2) multiply the result by the number of days in the billing period.   
     NOTE: Due to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed. 
     � 2020 Capital One. Capital One is a federally registered service mark. All rights reserved. Products and services offered by 
     Capital One Bank (USA), N.A. Capital One supports information privacy protection: see our website at www.capitalone.com.  
     Mastercard is a registered trademark of Mastercard International Incorporated. Visa and Visa Signature are registered 
     trademarks of Visa International Service Association and used under license. 
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     Capital One  Customer Agreement 
      Welcome to Capital One                We may restrict or close your Account if we cannot verify 
                                            your information, or if you do not provide it as requested. 
     Thank you for opening a credit card account with us. 
     This Customer Agreement including any changes to it 
                                            Your Revolving Credit Line and Spending 
     (�Agreement�) contains the terms of your agreement 
                                            We will tell you your initial revolving credit line when you 
     with Capital One. 
                                            open your Account. We may increase or decrease your 
     De?nitions                             revolving credit line at any time without prior notice to 
                                            you, unless notice is required by law, and we may limit 
     The meanings of the terms you see in italics appear in 
                                            or take away the credit available for Cash Advances. 
     the Glossary section at the end of this Agreement. 
                                            You can ?nd your current revolving credit line on 
     As used here, �you� and �your� mean each applicant  your Statement. We may not authorize transactions in 
     and co-applicant for the Account; any person  excess of your revolving credit line. We may consider 
     responsible for paying the Account; and any person  each transaction that may cause you to exceed your 
     responsible for complying with this Agreement. �We,�  revolving credit line based on several factors, including 
     �us,� �our,� and �Capital One� mean Capital One Bank  your performance on this Account and other credit 
     (USA), National Association; and its agents, authorized  accounts you have with us and your performance with 
     representatives, successors, and assignees.  other creditors. If we do authorize transactions in excess 
                                            of your revolving credit line, they will be subject to this 
     Account Documents 
                                            Agreement. They will not result in an increase of your 
     The following documents govern your Account with us: 
                                            revolving credit line. 
     (1) this Agreement; 
                                            Using Your Account 
     (2) all Statements; 
                                            (1) This Agreement applies whether or not you use   
     (3) any rewards program terms, conditions, and   
                                              your Card or Account. It will continue to apply even 
        disclosures; 
                                              after your Account is closed, as long as you have a 
     (4) any privacy notices; 
                                              balance. 
     (5)  your Card bene?ts brochure which describes   
                                            (2) You must sign the Card immediately when you   
        bene?ts provided by the Payment Card Network for 
                                              receive it. 
        your Account; 
                                            (3) You must return the Card to us or destroy it if we ask   
     (6) all disclosures and materials provided to you before   
                                              you to. 
        or when you opened your Account; 
                                            (4) You must take reasonable steps to prevent the   
     (7) any other documents and disclosures relating to your   
                                              unauthorized use of your Card, Access Checks and 
        Account, including those provided online; and 
                                              Account. 
     (8) any future changes we make to any of the above.   
                                            (5) We may decline to authorize a transaction for any   
     Please read these carefully and keep them for   
                                              reason. This may occur even if the transaction would 
     future reference. 
                                              not cause you to go over your revolving credit line or 
                                              your Account is not in default. 
     New Offers 
                                            (6) We are not responsible for any losses you incur if we   
     In the future, we may provide you with new offers that 
                                              do not authorize a transaction. 
     we think may interest you. The terms of these offers may 
                                            (7) We are not responsible for any losses you incur if   
     differ from the standard terms on your Account. This 
                                              anyone refuses to accept your Card for any reason. 
     Agreement will still apply. 
                                            (8) Unless we tell you otherwise, we will bill each   
     Account Information                      transaction to the applicable Segment of your 
                                              Account. We will apply it against your available credit 
     We need information about you to manage your 
                                              for that Segment. 
     Account. This includes: 
                                            (9) You may obtain Cash Advances and Transfers as   
     (1) your legal name;                     permitted for your Account. You may not use these to 
     (2) a valid U.S. mailing address and residential address    pay any amount you owe us or any other company in 
        (if different);                       the Capital One organization. 
     (3) your date of birth;                (10) You must not use, or try to use, the Card for any   
     (4) your Social Security number or other government    illegal activity. You are responsible for any charges if 
        identi?cation number;                  you do. 
     (5) your telephone number(s); and      (11) We are not liable for any losses that may result   
     (6) your employment and income information.  when our services are unavailable due to reasons 
                                               beyond our control. 
     You must tell us when this information changes. We may 
     ask you for additional documents to verify any changes. 
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     Rewards                                been compromised for any reason, you must contact 
                                            Customer Service immediately. 
     Your Account may provide you with the opportunity to 
     earn rewards. If it does, we will separately provide you 
                                            Authorized Users 
     with information and terms about the rewards. 
                                            If you ask us to issue a Card to any other person, 
     Access Checks                          they are an Authorized User. We may require certain 
                                            information about them. We may limit their ability to use 
     We may provide you with Access Checks. If we do, we 
                                            your Card. They may have access to certain information 
     will tell you at the time if we consider them purchases, 
                                            about your Account. You will be responsible for their use 
     Cash Advances or Special Transfers. 
                                            of the Account and anyone else they allow to use your 
     Only the person we designate may use Access Checks.  Account, even if you did not want, or agree to, that use. 
     You may not use them to pay any amount you owe us or 
                                            Removing an Authorized User 
     any other company in the Capital One organization. We 
     may reject and not pay any Access Check if:  If you want to remove an Authorized User from your   
                                            Account, you must contact Customer Service and request   
     (1)  your Account is past due, charged off, bankrupt, lost/   
                                            their removal. You also must immediately destroy all   
        stolen or closed; 
                                            Cards in their possession and cancel any arrangements   
     (2) we suspect fraud; 
                                            they may have set up on your Account. They will be able   
     (3) your Account is over the revolving credit line; or 
                                            to use your Account until you have noti?ed us that you are   
     (4) the check has expired, is damaged or cannot   
                                            removing them from your Account. During this time, you   
        otherwise be processed. 
                                            will still be responsible for all amounts they charge to your   
     Our liability if we do not pay an Access Check will never  Account. You will be responsible even if these amounts do   
     be more than (1) your actual damages or (2) the amount  not appear on your Account until later.   
     of the Access Check, whichever is less. 
                                            Authorized Users may remove themselves from your 
     Use of an Access Check is not the same as using your  Account upon request. We reserve the right to remove 
     Card. When you use an Access Check, you will have  them from your Account for any reason. To remove them 
     fewer rights to dispute merchant transactions than  from your Account, we may close your existing Account   
     with uses of your Card. Please see the �Billing Rights  and issue a new Card with a new Account number. 
     Summary� on your Statement and your other Truth-in-
                                            Your Promise to Pay 
     Lending Disclosures for more information. 
                                            You promise to pay us all amounts due on your Account. 
     Stopping Payment of Access Checks      This includes amounts where you did not sign a purchase   
     You may request a stop payment on any Access Check    slip or other documents for the transaction. We will treat   
     by contacting Customer Service.        transactions made without presenting your actual Card   
                                            (such as for mail, telephone, Internet, or mobile device   
     We will have a reasonable amount of time after your 
                                            purchases) the same as if you used the Card in person. If   
     stop payment request to research and complete the 
                                            you let someone else use your Card, you are responsible   
     stop payment. We will not be responsible if we cannot 
                                            for all transactions that person makes.   
     complete the stop payment. Reasons include: 
                                            Statements 
     (1) the Access Check was already paid; 
                                            We will generally send or make available to you one 
     (2) you do not give us the information we asked for; or   
                                            Statement for all Cards on your Account at the end of 
     (3) the information you gave us was incorrect. 
                                            each Billing Cycle. Under certain circumstances, the law 
     We do not have to release the stop payment order unless  may not require us to send or make available to you a 
     the account holder who made the request asks us to.  Statement, or may prohibit us from doing so. 
     If we re-credit your Account after a valid stop payment 
     order, you give us all of your rights against the payee or  Disputed Transactions 
     other holder of the paid Access Check. You also agree to  You must inspect each Statement you receive. Tell us 
     help us in any legal action we may later take against the  about any errors or questions you have, as described 
     payee or other holder of the check.    in the �Billing Rights Summary� on your Statement and 
                                            other Truth-in-Lending Disclosures. If you do not notify 
     Using a PIN 
                                            us of an error, we will assume that all information on the 
     We may give you a personal identi?cation number (PIN).  Statement is correct. 
     For security reasons, you may have to provide the PIN 
                                            If we credit your Account for all or part of a disputed 
     before you are able to use your Card. 
                                            transaction, you give us all of your rights against others 
     Keep your PIN secure. Do not write it down, give it  regarding that transaction. You will also: 
     to anyone, or keep it with your Card. If you lose your 
                                            (1) give us any information about the disputed   
     Card or believe the con?dentiality of your PIN has 
                                              transaction, if we ask; 
                                           2 
     (2) not pursue any claim or reimbursement of the    Returned Payment Fee 
        transaction amount from the merchant or any other 
                                            We may charge you this Fee each time your ?nancial   
        person; and 
                                            institution for any reason rejects a payment you make to us. 
     (3) help us get reimbursement from others. 
                                            Stop Payment Fee 
     No Warranties 
                                            We may charge you this Fee each time you ask us to 
     We are not responsible for any claim you may have 
                                            (1) stop payment on an Access Check or (2) renew an 
     regarding the purchase of goods or services made with 
                                            existing stop payment order. 
     your Card beyond your rights described in the �Billing 
     Rights Summary� on your Statement.     Cash Advance Fee 
                                            We may charge you this Fee each time you take out a 
     Lost or Stolen Card 
                                            Cash Advance. We will treat this Fee as a Cash Advance   
     If your Card is lost or stolen or if you think someone else   
                                            transaction. 
     may be using your Card or Account number without your   
     permission, you must contact Customer Service immediately.    Transfer Fee 
     You will not be responsible for transactions on your Account    We may charge you this Fee each time you make a 
     that we ?nd are unauthorized.          Transfer. We will charge the Fee to the same Segment   
                                            where we post the Transfer. 
     If we reimburse you for unauthorized transactions, you 
     will help us investigate, pursue and get reimbursement 
                                            Transactions Made in Foreign Currencies 
     from the wrongdoer. Your help includes giving us 
                                            If you make a transaction in a foreign currency, the 
     documents in a form that we request. 
                                            Payment Card Network will convert it into a U.S. dollar 
     Interest Charges and Fees              amount. The Payment Card Network will use its own 
                                            currency conversion procedures. The conversion rate 
     We will charge Interest Charges and Fees to your Account   
                                            in effect on the processing date may differ from the rate 
     as disclosed on your Statement and other Truth-in-
                                            in effect on the transaction date that appears on your 
     Lending Disclosures. In general, Interest Charges begin   
                                            Statement. We do not adjust the currency exchange rate 
     to accrue from the day a transaction occurs. However,   
                                            or charge any currency conversion Fees. 
     we will not charge you interest on any new transactions   
     posted to the purchase Segment of your Account if   
                                            Minimum Payment 
     you paid the total balance across all Segments of your   
                                            You must pay us at least the minimum payment amount 
     Account in full by the due date on your Statement each   
                                            by the payment due date. Your Statement will tell you: 
     month. From time to time, we may give you offers that   
     allow you to pay less than the total balance and avoid    (1) the minimum payment due, 
     Interest Charges on new purchase Segment transactions.    (2) your new balance, 
     If we do, we will provide details in the speci?c offer.  (3) the payment due date, and 
                                            (4) an explanation of when the payment must reach us   
     We will generally treat Fees as purchase transactions 
                                              for us to consider it received as of that date. 
     unless otherwise speci?ed below. These Fees apply to 
     your Account only if your Truth-in-Lending Disclosures    Returns and other credits to your Account will reduce 
     provide for them. We may increase your Interest Charges    your Account balance, but they will not change your 
     and Fees as described in the Changes to Your Agreement    minimum payment amount. 
     section or in your Truth-in-Lending Disclosures. 
                                            In addition to the minimum payment, you may pay 
     Membership Fee                         all or part of the total balance on your Account. But, 
                                            you must still pay at least the minimum payment 
     If your Account has a membership Fee, we may charge 
                                            amount each month, even if you paid more than the 
     the ?rst membership Fee either on the day you activate 
                                            minimum payment due on the previous Statement. We 
     your Card or on the day when you use your Account, 
                                            will continue to charge Interest Charges during Billing 
     whichever occurs ?rst. If your Account terms include a 
                                            Cycles when you carry a balance regardless of whether 
     $0 introductory Fee, we may charge the ?rst Fee when 
                                            your Statement includes a minimum payment that is 
     the introductory period ends. If it is an annual Fee, we 
                                            due. If your Account is 180 days past due, is part of a 
     may then charge it approximately once per year. If it is a 
                                            bankruptcy proceeding or is otherwise charged off, the 
     monthly Fee, we may charge it each Billing Cycle. 
                                            total balance is immediately due and payable. 
     Late Payment Fee 
                                            Making Payments 
     We may charge you this Fee if we do not receive 
                                            Your payment must be made in U.S. dollars from a U.S. 
     your payment as instructed on your Statement by the 
                                            deposit account in a form acceptable to us. We do not 
     payment due date. 
                                            accept cash payments through the mail. You may not 
                                            make payments with funds from your Account or any 
                                           3 
     other credit account with us or any other company in  Items with Restrictive Words, Conditions,   
     the Capital One organization. You must send mailed 
                                            or Instructions 
     payments to us as instructed on your Statement, unless 
                                            You must mail all Items bearing restrictive words, 
     we tell you otherwise. 
                                            conditions, limitations, or special instructions to: 
     Other Payment Services 
                                            Capital One   
     We may make services available that allow you to make  PO Box 1330   
     faster or recurring payments online or by telephone. We  Charlotte, NC 28201-1330 
     will describe the terms for using these services and any 
                                            This includes Items marked �Paid in Full� or similar 
     applicable Fee before you use them. You do not have to 
                                            language. This also includes all accompanying 
     use these other payment services. 
                                            communications. 
     We are not responsible if your ?nancial institution rejects 
                                            If you make such a payment or send any accompanying 
     a payment made using our payment services. 
                                            communications to any other address, we may reject it 
     If you ask someone else to make a payment for you,  and return it to you. We may also accept it and process 
     we may provide that person with limited Account    it without losing any of our rights. 
     information necessary to set up and process that 
     payment. We may also refuse to accept that payment. If  Credit Balances 
     we do accept it, you will be responsible for that payment  We may reject and return any payment that creates or adds   
     even if a ?nancial institution rejects it.  to a credit balance on your Account. Any credit balance   
                                            we allow will not be available until we con?rm that your   
     Payment Processing 
                                            payment has cleared. We may reduce the amount of any   
     We may accept and process payments without losing  credit balance by any new charges. You may write to the   
     any of our rights. We may delay the availability of  address provided on your Statement or call Customer   
     credit until we con?rm that your payment has cleared.  Service to request a refund of any available credit balance. 
     This may happen even if we credit your payment to 
     your Account. We may resubmit and collect returned  Account Default 
     payments electronically. If necessary, we may adjust  You will be in default if: 
     your Account to correct errors, process returned and 
                                            (1) you do not make any payment when it is due; 
     reversed payments, and handle similar issues. 
                                            (2) any payment you make is rejected, not paid or   
     When you send us an Item as payment, you authorize  cannot be processed; 
     us to make a one-time electronic fund transfer from  (3) you ?le or become the subject of a bankruptcy or   
     your deposit account. You also authorize us to process  insolvency proceeding; 
     the payment as an Item. We may withdraw the funds  (4) you are unable or unwilling to repay your obligations,   
     from your deposit account as early as the same day  including upon death or legally declared incapacity; 
     we receive your payment. You will not receive your  (5) we determine that you made a false, incomplete or   
     Item back from your bank. We will provide additional  misleading statement to us, or you otherwise tried to 
     information about this process on your Statement.  defraud us; 
                                            (6) you do not comply with any term of this Agreement   
     We may use the information from an Item to create an   
                                              or any other agreement with us; or 
     electronic image. We may collect and return the image   
                                            (7) you permanently reside outside the United States.   
     electronically. This electronic image may also be converted   
     to a substitute check and may be processed in the same    If you are in default, we may take certain actions with   
     way we would process an Item. We will not be responsible    respect to your Account. For example, depending on the   
     if an Item you provide has physical features that when    default, we may take the following actions, without notifying   
     imaged result in it not being processed as you intended.    you, unless the law says that we must give you notice:   
     How We Apply Your Payments             (1) charge you Fees, or change the APRs and Fees on your    
                                              Account, if provided in your Truth-in-Lending Disclosures; 
     Your Account may have Segments with different Annual 
                                            (2) close or suspend your Account; 
     Percentage Rates (APR). For example, purchases may 
                                            (3) lower your revolving credit line; 
     have a lower APR than Cash Advances. If your Account   
                                            (4) demand that you immediately pay the total balance   
     has Segment balances with different APRs, here is how 
                                              owing on your Account; 
     we apply payments in a Billing Cycle: 
                                            (5) continue to charge you Interest Charges and Fees as   
     (1) We generally apply credits and payments up to    long as your balance remains outstanding; and/or 
        your minimum payment ?rst to the balance with the  (6) ?le a lawsuit against you, or pursue another action that    
        lowest APR, and then to balances with higher APRs.  is not prohibited by law. If we ?le a lawsuit, you agree to   
     (2) We apply any part of your payment exceeding your    pay our court costs, expenses and attorney fees, unless   
        minimum payment to the balance with the highest  the law does not allow us to collect these amounts. 
        APR, and then to balances with lower APRs. 
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     Communications                         Waiver 
     You agree that we may communicate with you by mail,  We will not lose any of our rights if we delay or choose 
     telephone, email, fax, prerecorded message, automated  not to take any action for any reason. We may waive our 
     voice, text message or other means allowed by law  right without notifying you. For example, we may waive 
     regarding your Account.                your Interest Charges or Fees without notifying you and 
                                            without losing our right to charge them in the future. 
     You agree that we may contact you at any telephone number   
     (including a mobile telephone number that you provide us),    Assignment 
     and use an automated telephone dialing system or similar   
                                            This Agreement will be binding on, and bene?t, any of 
     device to do so. You agree that we may monitor or record   
                                            your and our successors and assigns. You may not sell, 
     any conversation or other communication with you.   
                                            assign or transfer your Account or this Agreement to 
                                            someone else without our written permission. 
     Credit Reports 
     We may report information about your Account to credit  We may sell, assign or transfer your Account and this 
     bureaus and others. Late payments, missed payments,  Agreement without your permission and without prior 
     or other defaults on your Account may be re?ected in  notice to you. Any assignee or assignees will take our 
     your credit report. Information we provide may appear  place under this Agreement. You must pay them and 
     on your and the Authorized Users� credit reports.  perform all of your obligations to them and not us. If you 
                                            pay us after we notify you that we have transferred your 
     If you believe that we have reported inaccurate 
                                            Account or this Agreement, we can return the payment 
     information about your Account to a credit bureau or 
                                            to you, forward the payment to the assignee, or handle it 
     other consumer reporting agency, notify us in writing at 
                                            in another way that is reasonable. 
     PO Box 30281, Salt Lake City, UT 84130-0281. When 
     you write, tell us the speci?c information that you believe  Glossary 
     is incorrect and why you believe it is incorrect. 
                                            ��Access Check� means any check we send to you to   
     We may obtain and use credit, income and other information    access credit from your Account. We may also refer 
     about you from credit bureaus and others as the law allows.    to an Access Check as a �convenience check� or a 
                                             �purchase check�. 
     Closing or Suspending Your Account 
                                            ��Account� means your Card Account with us.   
     You may contact Customer Service to ask us to close 
     your Account.                          ��Authorized User� means a person who may use the   
                                             Card, but is not responsible for the repayment of the 
     We may close or suspend your Account at any time and for   
                                             Account. 
     any reason permitted by law, even if you are not in default.   
                                            ��Balance Transfer� means a Transfer posted to the   
     If we close or suspend your Account for any reason, 
                                             purchase Segment of your Account unless otherwise 
     you must stop using your Card. You must also cancel all 
                                             described in your Truth-in-Lending Disclosures. 
     billing arrangements set up on the Account. If we close 
     or permanently suspend your Account, you must return  ��Billing Cycle� means the period of time re?ected on   
     or destroy all Cards. You must still pay us all amounts  a Statement. This period may vary in length, but is 
     you owe on the Account.                 approximately 30 days. You will have a Billing Cycle   
                                             even if a Statement is not required. We will often 
     Changes to Your Agreement 
                                             specify a Billing Cycle by the month in which its closing 
     At any time, we may add, delete or change any term of  date occurs. For example, a �March Billing Cycle� will 
     this Agreement, unless the law prohibits us from doing  have a closing date in March. We may also refer to 
     so. We will give you notice of any changes as required  a Billing Cycle as a �Billing Period�. If your Account   
     by law. We may notify you of changes on your Statement    balance has charged off, we may switch to quarterly 
     or in a separate notice. Our notice will tell you when and  Billing Cycles for your Account. 
     how the changes will take effect. The notice will describe 
                                            ��Card� means any Capital One credit card associated   
     any rights you have in connection with the changes. 
                                             with your Account. This includes all renewals and 
     Your variable APRs (if applicable) can go up or down as the    substitutions. It also means any other access device 
     index for the rate goes up or down. If we increase your APRs    for your Account we give you that allows you to obtain 
     for any other reason, or if we change your Fees or other    credit, including any Account number. 
     terms of your Account, we will notify you as required by law. 
                                            ��Cash Advance� means a loan in cash or things we   
     The Law That Applies to Your Agreement  consider cash equivalents, including wire transfers, 
     We make decisions to grant credit and issue you a Card    travelers� checks, money orders, foreign currency, 
     from our of?ces in Virginia. This Agreement is governed  lottery tickets, gaming chips, and wagers. We post 
     by applicable federal law and by Virginia law. If any part  Cash Advances to the Cash Advance Segment of your 
     of this Agreement is unenforceable, the remaining parts  Account and not to your purchase Segment. 
     will remain in effect. 
                                           5 
     ��Fees� means charges imposed on your Account not    ��Special Transfer� means a Transfer posted to a   
      based on the Annual Percentage Rates.  Segment of your Account that is not your purchase 
                                             Segment or Cash Advance Segment. 
     ��Interest Charges� means any charges to your Account    
      based on the application of Annual Percentage Rates.  ��Statement� means a document showing important    
                                             Account information, including all transactions billed to   
     ��Item� means a check, draft, money order or other   
                                             your Account during a Billing Cycle and information about   
      negotiable instrument you use to pay your Account. 
                                             what you must pay. We may also refer to your Statement   
      This includes any image of these instruments. This 
                                             as a �Periodic Statement� or a �Billing Statement�. 
      does not include an Access Check. 
                                            ��Transfers� means amounts transferred from other   
     ��Payment Card Network� means the network provider   
                                             accounts to this Account and includes Balance 
      displayed on your Card. This may be Visa Inc., 
                                             Transfers and Special Transfers. 
      MasterCard International Incorporated, or any other 
      network provider.                     ��Truth-in-Lending Disclosures� means disclosures that   
                                             the federal Truth in Lending Act and Regulation Z 
     ��Segments� means the different parts of your Account    
                                             require for any Account. This includes your application 
      we may establish that are subject to unique APRs, 
                                             and solicitation disclosures, Account opening 
      pricing, or other terms. We create these parts of your 
                                             disclosures, subsequent disclosures, Statements, and 
      Account for such things as your purchases, Balance 
                                             change in terms notices. 
      Transfers, Cash Advances and Special Transfers. 
      The sum of your Segment balances equals your total 
      Account balance. 
                                      � 2014 Capital One
 
                                Capital One is a federally registered service mark.
   
                                       All rights reserved.
 
     BR281639      M-112856                6                      COF Customer Agreement 058