�               �
     Credit Card Agreement for GM Card  in Capital One,  N.A. 
     There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer
     Agreement. The Pricing Information shows a range of terms that includes both mail and online offers for new accounts 
     available under this Agreement as of June 30, 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). 
      CAPITAL ONE PRICING INFORMATION 
      Annual Percentage Rate    12.15% - 23.15%. 
      (APR) for Purchases 
                        This APR will vary with the market based on the Prime Rate. 
      APR for Balance     12.15% - 23.15%. 
      Transfers 
                        This APR will vary with the market based on the Prime Rate. 
      APR for Cash Advances  25.15%. 
                        This APR will vary with the market based on the Prime Rate. 
      Penalty APR and     29.65%. 
      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. 
      Transaction Fees 
      � Balance Transfer Fee   None. 
      � Cash Advance Fee   Either $10 or 3% 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 8.65 to 19.65 percentage points for the Standard Rate and a �Spread� of  
     26.15 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. 
              � 
                 Capital One Customer Agreement 
     Welcome to Capital One                 Using Your Account
     Thank you for opening a credit card account with us.     (1) This Agreement applies whether or not you use your   
     This Customer Agreement, including any changes to it   Card or Account. It will continue to apply even after your
     (�Agreement�), contains the terms of your agreement with  Account is closed, as long as you have a balance.
     Capital One.                             (2) You must sign the Card immediately when you receive it.  
                                              (3) You must return the Card to us or destroy it if we ask you   
     De?nitions 
                                                to.
     The meanings of the terms you see in italics appear in the
                                             (4) You must take reasonable steps to prevent the 
   
     Glossary section at the end of this Agreement. 
                                                unauthorized use of your Card, Access Checks
    
     As used here, �you� and �your� mean each applicant and    and Account.

     co-applicant for the Account; any person responsible for    (5) We may decline to authorize a transaction for any   
     paying the Account; and any person responsible for complying    reason. This may occur even if the transaction would not 
     with this Agreement. �We�, �us�, �our� and �Capital One� mean    cause you to go over your credit limit or your Account is 
     Capital One, National Association and its agents, authorized    not in default.
     representatives, successors and assignees.   (6) We are not responsible for any losses you incur if we do   
                                                not authorize a transaction.
     Account Documents 
                                             (7) We are not responsible for any losses you incur if   
     The following documents govern your Account with us: 
                                                anyone refuses to accept your Card for any reason.
     (1)  this  Agreement;                    (8) Unless we tell you otherwise, we will bill each transaction  
     (2)  all  Statements;                      to the applicable Segment of your Account. We will apply 
     (3) any rewards program terms, conditions and disclosures;    it against your available credit for that Segment.
     (4) any privacy notices;                (9) You may obtain Balance Transfers and Cash Advances    
     (5) your Card bene?ts brochure, which describes bene?ts      as permitted for your Account. You may not use these to 
       provided by the Payment Card Network for your Account;   pay any amount you owe us or any other company in the
     (6) all disclosures and materials provided to you before or    Capital One organization.
       when you opened your Account;         (10) You must not use, or try to use, the Card for any illegal    
     (7) any other documents and disclosures relating to your    activity. You are responsible for any charges if you do.
       Account, including those provided online; and  (11) We are not liable for any losses that may result when     
     (8) any future changes we make to any of the above.     our services are unavailable due to reasons beyond our
                                                control. 
     Please read these carefully and keep them for  
     future reference.                       Rewards 
                                             Your Account may provide you with the opportunity to earn
     New Offers 
                                             rewards. If it does, we will separately provide you with 
     In the future, we may provide you with new offers that we 
                                             information and terms about the rewards. 
     think may interest you. The terms of these offers may differ 
     from the standard terms on your Account. This Agreement   Access Checks 
     will still apply.                       We may provide you with Access Checks. If we do, we will 
                                             tell you at the time if we consider them purchases, Cash 
     Account Information 
                                             Advances or Balance Transfers. 
     We need information about you to manage your Account. 
     This includes:                          Only the person we designate may use Access Checks. You 
                                             may not use them to pay any amount you owe us or any
     (1) your legal name,  
                                             other company in the Capital One organization. We may 
     (2) a valid U.S. mailing address and residential address   
                                             reject and not pay any Access Check if: 
       (if different),
     (3) your date of birth,                 (1)  your  Account is past due, charged off, bankrupt, lost/  
     (4) your Social Security number or other government    stolen or closed; 
       identi?cation number,                 (2) we suspect fraud;  
     (5) your telephone number(s), and       (3)  your  Account is over the credit limit; or   
     (6) your employment and income information.     (4) the check has expired, is damaged or cannot otherwise  
                                               be processed. 
     You must tell us when this information changes. We may 
     ask you for additional documents to verify any changes. We   Our liability if we do not pay an Access Check will never be 
     may restrict or close your Account if we cannot verify your  more than (1) your actual damages or (2) the amount of the
     information, or if you do not provide it as requested.   Access Check, whichever is less. 
     Your Revolving Credit Line and Spending  Use of an Access Check is not the same as using your  
     We will tell you your initial revolving credit line when you open     Card. When you use an Access Check, you will have fewer  
     your Account. We may increase or decrease your revolving    rights to dispute merchant transactions than with uses of 
     credit line at any time without prior notice to you, unless    your Card. Please see the �Billing Rights Summary� on your 
     notice is required by law, and we may limit or take away the    Statement and your other Truth-in-Lending Disclosures for 
     credit available for Cash Advances. You can find your current     more information. 
     revolving credit line on your Statement. We may not authorize    Stopping Payment of Access Checks
     transactions in excess of your revolving credit line. We may  
                                             You may request a stop payment on any Access Check by
     consider each transaction that may cause you to exceed your  
                                             contacting Customer Service.
	
     revolving credit line based on several factors, including your  
     performance on this Account and other credit accounts you    We will have a reasonable amount of time after your 

     have with us and your performance with other creditors. If we    stop payment request to research and complete the stop
     do authorize transactions in excess of your revolving credit    payment. We will not be responsible if we cannot complete 
     line, they will be subject to this Agreement. They will not    the stop payment. Reasons include: 
     result in an increase of your revolving credit line.   (1) the Access Check was already paid;   
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     (2) you do not give us the information we asked for; or   (2) not pursue any claim or reimbursement of the transaction  
     (3) the information you gave us was incorrect.     amount from the merchant or any other person; and
                                             (3) help us get reimbursement from others.   
     We do not have to release the stop payment order unless 
     the account holder who made the request asks us to. If we   No Warranties 
     re-credit your Account after a valid stop payment order, you   We are not responsible for any claim you may have 
     give us all of your rights against the payee or other holder  regarding the purchase of goods or services made with your 
     of the paid Access Check. You also agree to help us in any   Card beyond your rights described in the �Billing Rights 
     legal action we may later take against the payee or other  Summary� on your Statement. 
     holder of the check. 
                                             Lost or Stolen Card 
     Using a PIN                             If your Card is lost or stolen or if you think someone else
     We may give you a personal identification number (PIN). For   may be using your Card or Account number without your
     security reasons, you may have to provide the PIN before  permission, you must contact Customer Service immediately. 
     you are able to use your Card.          You will not be responsible for transactions on your Account   
                                             that we find are unauthorized. 
     Keep your PIN secure. Do not write it down, give it to anyone
     or keep it with your Card. If you lose your Card or believe the   If we reimburse you for unauthorized transactions, you will 
     confidentiality of your PIN has been compromised for any   help us investigate, pursue and get reimbursement from the
     reason, you must contact Customer Service immediately.   wrongdoer. Your help includes giving us documents in a form 
                                             that we request. 
     Authorized Users 
     If you ask us to issue a Card to any other person, they are   Interest Charges and Fees
     an Authorized User. We may require certain information   We will charge Interest Charges and Fees to your Account   
     about them. We may limit their ability to use your Card. They   as disclosed on your Statement and other Truth-in-Lending 
     may have access to certain information about your Account.   Disclosures. In general, Interest Charges begin to accrue
     You will be responsible for their use of the Account and   from the day a transaction occurs. However, we will not   
     anyone else they allow to use your Account, even if you did   charge you interest on any new transactions posted to the
     not want, or agree to, that use.        purchase Segment of your Account if you paid the total
                                             balance across all Segments of your Account in full by the
     Removing an Authorized User
                                             due date on your Statement each month. From time to time, 
     If you want to remove an Authorized User from your
                                             we may give you offers that allow you to pay less than the 
     Account, you must contact Customer Service and request 
                                             total balance and avoid Interest Charges on new purchase
     their removal. You also must immediately destroy all Cards   
                                             Segment transactions. If we do, we will provide details in the 
     in their possession and cancel any arrangements they may 
                                             specific offer. 
     have set up on your Account. They will be able to use your  
     Account until you have notified us that you are removing  We will generally treat Fees as purchase transactions
     them from your Account. During this time, you will still be   unless otherwise specified below. These Fees apply to your
     responsible for all amounts they charge to your Account. You   Account only if your Truth-in-Lending Disclosures provide for
     will be responsible even if these amounts do not appear on   them. We may increase your Interest Charges and Fees as 
     your Account until later.               described in the Changes to Your Agreement section or in 
                                             your Truth-in-Lending Disclosures. 
     Authorized Users may remove themselves from your
     Account upon request. We reserve the right to remove them      Membership Fee
     from your Account for any reason. To remove them from your   If your Account has a membership Fee, we may charge the 
     Account, we may close your existing Account and issue a   first membership Fee either on the day you activate your
     new Card with a new Account number.     Card or on the day when you use your Account, whichever 
                                             occurs first. If your Account terms include a $0 introductory 
     Your Promise to Pay
                                             Fee, we may charge the first Fee when the introductory
     You promise to pay us all amounts due on your Account. 
                                             period ends. If it is an annual Fee, we may then charge it 
     This includes amounts where you did not sign a purchase
                                             approximately once per year. If it is a monthly Fee, we may 
     slip or other documents for the transaction. We will treat 
                                             charge it each Billing Cycle. 
     transactions made without presenting your actual Card (such
     as for mail, telephone, Internet or mobile device purchases)  Late Payment Fee
     the same as if you used the Card in person. If you let   We may charge you this Fee if we do not receive your
     someone else use your Card, you are responsible for all   payment as instructed on your Statement by the payment
     transactions that person makes.         due date. 
     Statements                              Returned Payment Fee
     We will generally send or make available to you one   We may charge you this Fee each time your financial  
     Statement for all Cards on your Account at the end of each   institution for any reason rejects a payment you make to us. 
     Billing Cycle. Under certain circumstances, the law may not 
                                             Stop Payment Fee
     require us to send or make available to you a Statement, or 
     may prohibit us from doing so.          We may charge you this Fee each time you ask us to (1) 
                                             stop payment on an Access Check or (2) renew an existing
     Disputed Transactions                   stop payment order. 
     You must inspect each Statement you receive. Tell us about 
                                             Cash Advance Fee 
     any errors or questions you have, as described in the �Billing 
     Rights Summary� on your Statement and other Truth-in-  We may charge you this Fee each time you take out a
     Lending Disclosures. If you do not notify us of an error, we   Cash Advance. We will treat this Fee as a Cash Advance   
     will assume that all information on the Statement is correct.   transaction. 
     If we credit your Account for all or part of a disputed  Balance Transfer Fee 
     transaction, you give us all of your rights against others  We may charge you this Fee each time you make a Balance 
     regarding that transaction. You will also:   Transfer. We will charge the Fee to the Balance Transfer 
                                             Segment. 
     (1) give us any information about the disputed transaction, if  
       we ask; 
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     Transactions Made in Foreign Currencies not receive your Item back from your bank. We will provide 
     If you make a transaction in a foreign currency, the Payment  additional information about this process on your Statement. 
     Card Network will convert it into a U.S. dollar amount. The   We may use the information from an Item to create an 
     Payment Card Network will use its own currency conversion  electronic image. We may collect and return the image 
     procedures. The conversion rate in effect on the processing   electronically. This electronic image may also be converted 
     date may differ from the rate in effect on the transaction   to a substitute check and may be processed in the same
     date that appears on your Statement. We do not adjust the     way we would process an Item. We will not be responsible if 
     currency exchange rate or charge any currency conversion  an Item you provide has physical features that when imaged 
     Fees.                                   result in it not being processed as you intended. 
     Minimum Payment                         How We Apply Your Payments
     You must pay us at least the minimum payment amount by   Your Account may have Segments with different Annual 
     the payment due date. Your Statement will tell you:   Percentage Rates (APR). For example, purchases may
     (1) the minimum payment due,            have a lower APR than Cash Advances. If your Account has 
     (2) your new balance,                   Segment balances with different APRs, here is how we apply 
     (3) the payment due date and            payments in a Billing Cycle: 
     (4) an explanation of when the payment must reach us for us    (1) We generally apply payments up to your minimum   
       to consider it received as of that date.   payment ?rst to the balance with the lowest APR, and 
     Returns and other credits to your Account will reduce your  then to balances with higher APRs.
     Account balance, but they will not change your minimum   (2) We apply any part of your payment exceeding your   
     payment amount.                           minimum payment to the balance with the highest APR, 
                                               and then to balances with lower APRs. 
     In addition to the minimum payment, you may pay all or
     part of the total balance on your Account. But, you must   We do this based on the APRs in effect and balances owed 
     still pay at least the minimum payment amount each month,  on the day your preceding Billing Cycle ended. 
     even if you paid more than the minimum payment due on  Items with Restrictive Words, Conditions,   
     the previous Statement. We will continue to charge Interest   or Instructions 
     Charges during Billing Cycles when you carry a balance
                                             You must mail all Items bearing restrictive words, conditions,
     regardless of whether your Statement includes a minimum 
                                             limitations or special instructions to: 
     payment that is due. If your Account is 180 days past due, is 
     part of a bankruptcy proceeding, or is otherwise charged off,   Capital One
     the total balance is immediately due and payable.   PO Box 1330 
                                             Charlotte, NC 28201-1330 
     Making Payments
                                             This includes Items marked �Paid in Full� or similar language.
     Your payment must be made in U.S. dollars from a U.S. 
                                             This also includes all accompanying communications. 
     deposit account in a form acceptable to us. We do not 
     accept cash payments through the mail. You may not make   If you make such a payment or send any accompanying 
     payments with funds from your Account or any other credit  communications to any other address, we may reject it and 
     account with us or any other company in the Capital One  return it to you. We may also accept it and process it without   
     organization. You must send mailed payments to us as   losing any of our rights. 
     instructed on your Statement, unless we tell you otherwise.   
                                             Credit Balances 
     Other Payment Services                  We may reject and return any payment that creates or adds 
     We may make services available that allow you to make   to a credit balance on your Account. Any credit balance we 
     faster or recurring payments online or by telephone. We   allow will not be available until we confirm that your payment 
     will describe the terms for using these services and any  has cleared. We may reduce the amount of any credit 
     applicable Fee before you use them. You do not have to use   balance by any new charges. You may write to the address 
     these other payment services.           provided on your Statement or call Customer Service to 
                                             request a refund of any available credit balance. 
     We are not responsible if your financial institution rejects a 
     payment made using our payment services.   Account Default 
     If you ask someone else to make a payment for you, we   You will be in default if: 
     may provide that person with limited Account information   (1) you do not make any payment when it is due;  
     necessary to set up and process that payment. We may also   (2) any payment you make is rejected, not paid or cannot be  
     refuse to accept that payment. If we do accept it, you will   processed;
     be responsible for that payment even if a financial institution   (3) you ?le or become the subject of a bankruptcy or  
     rejects it.                               insolvency proceeding;
     Payment Processing                      (4) you are unable or unwilling to repay your obligations,  
                                               including upon death or legally declared incapacity;
     We may accept and process payments without losing any 
                                             (5) we determine that you made a false, incomplete or  
     of our rights. We may delay the availability of credit until we 
                                               misleading statement to us, or you otherwise tried to
     confirm that your payment has cleared. This may happen 
                                               defraud us; or 
     even if we credit your payment to your Account. We may 
                                             (6) you do not comply with any term of this Agreement or any   
     resubmit and collect returned payments electronically. If 
                                               other agreement with us. 
     necessary, we may adjust your Account to correct errors, 
     process returned and reversed payments and handle similar  If you are in default, we may take certain actions with respect 
     issues.                                 to your Account. For example, depending on the default, we 
                                             may take the following actions, without notifying you, unless 
     When you send us an Item as payment, you authorize us to
                                             the law says that we must give you notice: 
     make a one-time electronic fund transfer from your deposit
     account. You also authorize us to process the payment as an   (1) charge you Fees, or change the APRs and Fees on your  
     Item. We may withdraw the funds from your deposit account   Account, if provided in your Truth-in-Lending Disclosures; 
     as early as the same day we receive your payment. You will   (2) close or suspend your Account;   
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     (3) lower your revolving credit line;   Interest Charges or Fees without notifying you and without
     (4) demand that you immediately pay the total balance owing     losing our right to charge them in the future. 
       on your Account; 
                                             Assignment
     (5) continue to charge you Interest Charges and Fees as long  
                                             This Agreement will be binding on, and benefit, any of your 
       as your balance remains outstanding; and/or
                                             and our successors and assigns. You may not sell, assign 
     (6) ?le a lawsuit against you, or pursue another action that is  
                                             or transfer your Account or this Agreement to someone else 
       not prohibited by law. If we ?le a lawsuit, you agree to pay 
                                             without our written permission. 
       our court costs, expenses and attorney fees, unless the
       law does not allow us to collect these amounts.   We may sell, assign or transfer your Account and this 
                                             Agreement without your permission and without prior notice 
     Communications 
                                             to you. Any assignee or assignees will take our place under 
     You agree that we may communicate with you by mail, 
                                             this Agreement. You must pay them and perform all of 
     telephone, email, fax, prerecorded message, automated 
                                             your obligations to them and not us. If you pay us after we 
     voice, text message or other means allowed by law 
                                             notify you that we have transferred your Account or this 
     regarding your Account. 
                                             Agreement, we can return the payment to you, forward the
     You agree that we may contact you at any telephone number    payment to the assignee or handle it in another way that is 
     (including a mobile telephone number that you provide us),    reasonable. 
     and use an automated telephone dialing system or similar  
                                             Glossary
     device to do so. You agree that we may monitor or record any   
                                             � �Access  Check� means any check we send to you to  
     conversation or other communication with you. 
                                              access credit from your Account. We may also refer to   
     Credit Reports                           an Access Check as a �convenience check� or a �purchase
     We may report information about your Account to credit   check�. 
     bureaus and others. Late payments, missed payments or
                                             � �Account� means your Card Account with us.    
     other defaults on your Account may be reflected in your
     credit report. Information we provide may appear on your  � �Authorized User� means a person who may use   
     and the Authorized Users� credit reports.   the Card but is not responsible for the repayment of  
                                              the Account. 
     If you believe that we have reported inaccurate information 
     about your Account to a credit bureau or other consumer   � �Balance Transfer� means an amount posted to the  
     reporting agency, notify us in writing at PO Box 30258,   Balance Transfer Segment of your Account unless 
     Salt Lake City, UT 84130-0258. When you write, tell us the     otherwise described in your Truth-in-Lending Disclosures. 
     specific information that you believe is incorrect and why you
                                             �  �Billing Cycle� means the period of time re?ected    
     believe it is incorrect. 
                                              on a Statement. This period may vary in length, but is  
     We may obtain and use credit, income and other information   approximately 30 days. You will have a Billing Cycle even if a   
     about you from credit bureaus and others as the law allows.   Statement is not required. We will often specify a Billing Cycle   
                                              by the month in which its closing date occurs. For example,  
     Closing or Suspending Your Account
                                              a �March Billing Cycle� will have a closing date in March. We   
     You may contact Customer Service to ask us to close   
                                              may also refer to a Billing Cycle as a �Billing Period�. If your  
     your Account. 
                                              Account balance has charged off, we may switch to quarterly  
     We may close or suspend your Account at any time and for  Billing Cycles for your Account. 
     any reason permitted by law, even if you are not in default. 
                                             � �Card� means any Capital One credit card associated with   
     If we close or suspend your Account for any reason,     your Account. This includes all renewals and substitutions. 
     you must stop using your Card. You must also cancel all   It also means any other access device for your Account   
     billing arrangements set up on the Account. If we close or   we give you that allows you to obtain credit, including any
     permanently suspend your Account, you must return or  Account number. 
     destroy all Cards. You must still pay us all amounts you owe 
                                             � �Cash Advance� means a loan in cash or things we  
     on the Account. 
                                              consider cash equivalents, including wire transfers,
     Changes to Your Agreement                traveler�s checks, money orders, foreign currency, lottery 
     At any time, we may add, delete or change any term of   tickets, gaming chips and wagers. We post Cash Advances   
     this Agreement, unless the law prohibits us from doing so.   to the Cash Advance Segment of your Account and not to 
     We will give you notice of any changes as required by law.   your purchase Segment. 
     We may notify you of changes on your Statement or in a   � �Fees� mean charges imposed on your Account not based   
     separate notice. Our notice will tell you when and how the  on the Annual Percentage Rates. 
     changes will take effect. The notice will describe any rights 
                                             � �Interest Charges� mean any charges to your Account    
     you have in connection with the changes. 
                                              based on the application of Annual Percentage Rates. 
     Your variable APRs (if applicable) can go up or down as the  
                                             � �Item� means a check, draft, money order or other  
     index for the rate goes up or down. If we increase your APRs  
                                              negotiable instrument you use to pay your Account. This 
     for any other reason, or if we change your Fees or other terms   
                                              includes any image of these instruments. This does not 
     of your Account, we will notify you as required by law. 
                                              include an Access Check. 
     The Law That Applies to Your Agreement
                                             � �Payment Card Network� means the network provider  
     We make decisions to grant credit and issue you a Card   
                                              displayed on your Card. This may be Visa Inc., MasterCard 
     from our offices in Virginia. This Agreement is governed by 
                                              International Incorporated or any other network provider. 
     applicable federal law and by Virginia law. If any part of this 
     Agreement is unenforceable, the remaining parts will remain   � �Segments� means the different parts of your Account we   
     in effect.                               may establish that are subject to unique APRs, pricing or 
                                              other terms. We create these parts of your Account for such 
     Waiver 
                                              things as your purchases, Balance Transfers and Cash 
     We will not lose any of our rights if we delay or choose not 
                                              Advances. The sum of your Segment balances equals your
     to take any action for any reason. We may waive our right 
                                              total Account balance. 
     without notifying you. For example, we may waive your 
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     � �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.
   
                                        All rights reserved.
 
     BR282200  M-113234                     5