�               �
     Credit Card Agreement for GM Extended Family 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 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). 
      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. 
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              � 
                 Capital One Customer Agreement 
     Welcome to Capital One                  We may also increase, decrease, restrict or cancel your 
     Thank you for opening a credit card account with us.     credit limit on any Segment at any time. This will not affect 
     This Customer Agreement, including any changes to it   your obligation to pay us. 
     (�Agreement�), contains the terms of your agreement with  Using Your Account
     Capital One. 
                                              (1) This Agreement applies whether or not you use your   
     De?nitions                                 Card or Account. It will continue to apply even after your  
     The meanings of the terms you see in italics appear in the  Account is closed, as long as you have a balance.
     Glossary section at the end of this Agreement.   (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   
     As used here, �you� and �your� mean each applicant and co-
                                                to.
     applicant for the Account; any person responsible for paying  
                                              (4)You must take reasonable steps to prevent the
  
     the Account; and any person responsible for complying with  
                                               unauthorized use of your Card, Access Checks
    
     this Agreement. �We�, �us�, �our� and �Capital One� mean  
                                               and Account.

     Capital One, National Association and its agents, authorized  
                                             (5) We may decline to authorize a transaction for any   
     representatives, successors and assignees. 
                                                reason. This may occur even if the transaction would not 
     Account Documents                          cause you to go over your credit limit or your Account is 
     The following documents govern your Account with us:   not in default.
                                             (6) We are not responsible for any losses you incur if we do   
     (1)  this  Agreement;                      not authorize a transaction.
     (2)  all  Statements;                   (7) We are not responsible for any losses you incur if 
  
     (3) any rewards program terms, conditions and disclosures;    anyone refuses to accept your Card for any reason.

     (4) any privacy notices;                 (8) Unless we tell you otherwise, we will bill each transaction   
     (5)  your  Card bene?ts brochure, which describes bene?ts      to the applicable Segment of your Account. We will apply   
       provided by the Payment Card Network for your Account;   it against your available credit for that Segment.
     (6) all disclosures and materials provided to you before or    (9) You may obtain Balance Transfers and Cash Advances    
       when you opened your Account;            as permitted for your Account. You may not use these to  
     (7) any other documents and disclosures relating to your    pay any amount you owe us or any other company in the  
       Account, including those provided online; and  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     
     Please read these carefully and keep them for    activity. You are responsible for any charges if you do.
     future reference.                       (11) We are not liable for any losses that may result when     
                                                our services are unavailable due to reasons beyond our
     New Offers 
                                                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 
     from the standard terms on your Account. This Agreement   Your Account may provide you with the opportunity to earn
     will still apply.                       rewards. If it does, we will separately provide you with
                                             information and terms about the rewards. 
     Account Information 
                                             Access Checks 
     We need information about you to manage your Account. 
     This includes:                          We may provide you with Access Checks. If we do, we will 
                                             tell you at the time if we consider them purchases, Cash 
     (1) your legal name,  
                                             Advances or Balance Transfers. 
     (2) a valid U.S. mailing address and residential address   
       (if different),                       Only the person we designate may use Access Checks. You 
     (3) your date of birth,                 may not use them to pay any amount you owe us or any
     (4) your Social Security number or other government    other company in the Capital One organization. We may 
       identi?cation number,                 reject and not pay any Access Check if: 
     (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; 
     You must tell us when this information changes. We may   (2) we suspect fraud;  
     ask you for additional documents to verify any changes. We   (3)  your  Account is over the credit limit; or   
     may restrict or close your Account if we cannot verify your  (4) the check has expired, is damaged or cannot otherwise  
     information, or if you do not provide it as requested.   be processed. 
     Credit Limits                           Our liability if we do not pay an Access Check will never be 
                                             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 
     also refer to your credit limits as your credit lines. We may   Use of an Access Check is not the same as using your Card.    
     give you different credit limits for the different Segments of   When you use an Access Check, you will have fewer rights   
     your Account. For example, you may have one credit limit for   to dispute merchant transactions than with uses of your Card. 
     purchases and a different one for Cash Advances.     Please see the �Billing Rights Summary� on your Statement   
                                             and your other Truth-in-Lending Disclosures for more   
     You are responsible for keeping track of your Segment
                                             information. 
     balances and your available credit. You must manage your 
     Account to remain below your credit limits. We may honor   Stopping Payment of Access Checks
     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 
     your credit limits.                     We will have a reasonable amount of time after your 
                                             stop payment request to research and complete the stop 
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     payment. We will not be responsible if we cannot complete   If we credit your Account for all or part of a disputed
     the stop payment. Reasons include:      transaction, you give us all of your rights against others
                                             regarding that transaction. You will also: 
     (1)  the  Access Check was already paid;  
     (2) you do not give us the information we asked for; or    (1) give us any information about the disputed transaction, if  
     (3) the information you gave us was incorrect.     we ask; 
                                             (2) not pursue any claim or reimbursement of the transaction  
     We do not have to release the stop payment order unless 
                                               amount from the merchant or any other person; and
     the account holder who made the request asks us to. If we 
                                             (3) help us get reimbursement from others.   
     re-credit your Account after a valid stop payment order, you 
     give us all of your rights against the payee or other holder  No Warranties 
     of the paid Access Check. You also agree to help us in any   We are not responsible for any claim you may have regarding 
     legal action we may later take against the payee or other  the purchase of goods or services made with your Card   
     holder of the check.                    beyond your rights described in the �Billing Rights Summary� 
                                             on your Statement. 
     Using a PIN
     We may give you a personal identification number (PIN). For   Lost or Stolen Card 
     security reasons, you may have to provide the PIN before  If your Card is lost or stolen or if you think someone else
     you are able to use your Card.          may be using your Card or Account number without your
                                             permission, you must contact Customer Service immediately. 
     Keep your PIN secure. Do not write it down, give it to anyone  
                                             You will not be responsible for transactions on your Account   
     or keep it with your Card. If you lose your Card or believe the   
                                             that we ?nd are unauthorized. 
     con?dentiality of your PIN has been compromised for any  
     reason, you must contact Customer Service immediately.   If we reimburse you for unauthorized transactions, you will
                                             help us investigate, pursue and get reimbursement from the
     Authorized Users 
                                             wrongdoer. Your help includes giving us documents in a form 
     If you ask us to issue a Card to any other person, they are 
                                             that we request. 
     an Authorized User. We may require certain information 
     about them. We may limit their ability to use your Card. They   Interest Charges and Fees
     may have access to certain information about your Account.   We will charge Interest Charges and Fees to your Account   
     You will be responsible for their use of the Account and   as disclosed on your Statement and other Truth-in-Lending   
     anyone else they allow to use your Account, even if you did   Disclosures. In general, Interest Charges begin to accrue from  
     not want, or agree to, that use.        the day a transaction occurs. However, we will not charge  
                                             you interest on any new transactions posted to the purchase  
     Removing an Authorized User
                                             Segment of your Account if you paid the total balance across  
     If you want to remove an Authorized User from your Account, 
                                             all Segments of your Account in full by the due date on your  
     you must contact Customer Service and request their
                                             Statement each month. From time to time, we may give you  
     removal. You also must immediately destroy all Cards in their 
                                             offers that allow you to pay less than the total balance and  
     possession and cancel any arrangements they may have set 
                                             avoid Interest Charges on new purchase Segment transactions.   
     up on your Account. They will be able to use your Account   
                                             If we do, we will provide details in the speci?c offer. 
     until you have noti?ed us that you are removing them from 
     your Account. During this time, you will still be responsible  We will generally treat Fees as purchase transactions unless  
     for all amounts they charge to your Account. You will be   otherwise speci?ed below. These Fees apply to your Account   
     responsible even if these amounts do not appear on your  only if your Truth-in-Lending Disclosures provide for them. We   
     Account until later.                    may increase your Interest Charges and Fees as described in   
                                             the Changes to Your Agreement section or in your Truth-in-
     Authorized Users may remove themselves from your Account   
                                             Lending Disclosures. 
     upon request. We reserve the right to remove them from your 
     Account for any reason. To remove them from your Account,   Membership Fee
     we may close your existing Account and issue a new Card     If your Account has a membership Fee, we may charge the
     with a new Account number.              ?rst membership Fee either on the day you activate your
                                             Card or on the day when you use your Account, whichever 
     Your Promise to Pay
                                             occurs ?rst. If your Account terms include a $0 introductory
     You promise to pay us all amounts due on your Account. 
                                             Fee, we may charge the ?rst Fee when the introductory
     This includes amounts where you did not sign a purchase
                                             period ends. If it is an annual Fee, we may then charge it
     slip or other documents for the transaction. We will treat 
                                             approximately once per year. If it is a monthly Fee, we may
     transactions made without presenting your actual Card (such
                                             charge it each Billing Cycle. 
     as for mail, telephone, Internet or mobile device purchases)
     the same as if you used the Card in person. If you let   Late Payment Fee
     someone else use your Card, you are responsible for all   We may charge you this Fee if we do not receive your
     transactions that person makes.         payment as instructed on your Statement by the payment
                                             due date. 
     Statements 
     We will generally send or make available to you one   Returned Payment Fee
     Statement for all Cards on your Account at the end of each   We may charge you this Fee each time your financial  
     Billing Cycle. Under certain circumstances, the law may not   institution for any reason rejects a payment you make to us. 
     require us to send or make available to you a Statement, or 
                                             Stop Payment Fee
     may prohibit us from doing so. 
                                             We may charge you this Fee each time you ask us to (1) 
     Disputed Transactions                   stop payment on an Access Check or (2) renew an existing
     You must inspect each Statement you receive. Tell us about    stop payment order. 
     any errors or questions you have, as described in the �Billing  
                                             Cash Advance Fee 
     Rights Summary� on your Statement and other Truth-in-
     Lending Disclosures. If you do not notify us of an error, we will    We may charge you this Fee each time you take out a
     assume that all information on the Statement is correct.   Cash Advance. We will treat this Fee as a Cash Advance   
                                             transaction. 
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     Balance Transfer Fee                   account. You also authorize us to process the payment as an  
     We may charge you this Fee each time you make a Balance   Item. We may withdraw the funds from your deposit account  
     Transfer. We will charge the Fee to the Balance Transfer   as early as the same day we receive your payment. You will  
     Segment.                                not receive your Item back from your bank. We will provide  
                                             additional information about this process on your Statement. 
     Transactions Made in Foreign Currencies
                                             We may use the information from an Item to create an 
     If you make a transaction in a foreign currency, the Payment
                                             electronic image. We may collect and return the image 
     Card Network will convert it into a U.S. dollar amount. The 
                                             electronically. This electronic image may also be converted 
     Payment Card Network will use its own currency conversion
                                             to a substitute check and may be processed in the same
     procedures. The conversion rate in effect on the processing 
                                             way we would process an Item. We will not be responsible if 
     date may differ from the rate in effect on the transaction 
                                             an Item you provide has physical features that when imaged
     date that appears on your Statement. We do not adjust the 
                                             result in it not being processed as you intended. 
     currency exchange rate or charge any currency conversion
     Fees.                                   How We Apply Your Payments
     Minimum Payment                         Your Account may have Segments with different Annual 
                                             Percentage Rates (APR). For example, purchases may
     You must pay us at least the minimum payment amount by 
                                             have a lower APR than Cash Advances. If your Account has 
     the payment due date. Your Statement will tell you: 
                                             Segment balances with different APRs, here is how we apply 
     (1) the minimum payment due,            payments in a Billing Cycle: 
     (2) your new balance,  
                                             (1) We generally apply payments up to your minimum   
     (3) the payment due date and  
                                               payment ?rst to the balance with the lowest APR, and 
     (4) an explanation of when the payment must reach us for us  
                                               then to balances with higher APRs.
       to consider it received as of that date. 
                                             (2) We apply any part of your payment exceeding your   
     Returns and other credits to your Account will reduce your  minimum payment to the balance with the highest APR, 
     Account balance, but they will not change your minimum   and then to balances with lower APRs. 
     payment amount. 
                                             We do this based on the APRs in effect and balances owed 
     In addition to the minimum payment, you may pay all or    on the day your preceding Billing Cycle ended. 
     part of the total balance on your Account. But, you must  
                                             Items with Restrictive Words, Conditions,   
     still pay at least the minimum payment amount each month,  
                                             or Instructions 
     even if you paid more than the minimum payment due on  
     the previous Statement. We will continue to charge Interest     You must mail all Items bearing restrictive words, conditions,
     Charges during Billing Cycles when you carry a balance    limitations or special instructions to: 
     regardless of whether your Statement includes a minimum     Capital One
     payment that is due. If your Account is 180 days past due, is    PO Box 1330 
     part of a bankruptcy proceeding, or is otherwise charged off,    Charlotte, NC 28201-1330 
     the total balance is immediately due and payable. 
                                             This includes Items marked �Paid in Full� or similar language.  
     Making Payments                         This also includes all accompanying communications. 
     Your payment must be made in U.S. dollars from a U.S. 
                                             If you make such a payment or send any accompanying 
     deposit account in a form acceptable to us. We do not 
                                             communications to any other address, we may reject it and 
     accept cash payments through the mail. You may not make 
                                             return it to you. We may also accept it and process it without   
     payments with funds from your Account or any other credit
                                             losing any of our rights. 
     account with us or any other company in the Capital One
     organization. You must send mailed payments to us as   Credit Balances 
     instructed on your Statement, unless we tell you otherwise.     We may reject and return any payment that creates or adds 
                                             to a credit balance on your Account. Any credit balance we 
     Other Payment Services
                                             allow will not be available until we confirm that your payment 
     We may make services available that allow you to make 
                                             has cleared. We may reduce the amount of any credit 
     faster or recurring payments online or by telephone. We 
                                             balance by any new charges. You may write to the address 
     will describe the terms for using these services and any
                                             provided on your Statement or call Customer Service to 
     applicable Fee before you use them. You do not have to use 
                                             request a refund of any available credit balance. 
     these other payment services. 
                                             Account Default 
     We are not responsible if your ?nancial institution rejects a 
                                             You will be in default if: 
     payment made using our payment services. 
                                             (1) you do not make any payment when it is due;  
     If you ask someone else to make a payment for you, we 
                                             (2) any payment you make is rejected, not paid or cannot be  
     may provide that person with limited Account information 
                                               processed;
     necessary to set up and process that payment. We may also 
                                             (3) you exceed a credit limit;  
     refuse to accept that payment. If we do accept it, you will 
                                             (4) you ?le or become the subject of a bankruptcy or  
     be responsible for that payment even if a financial institution 
                                               insolvency proceeding;
     rejects it. 
                                             (5) you are unable or unwilling to repay your obligations,  
     Payment Processing                        including upon death or legally declared incapacity;
     We may accept and process payments without losing any    (6) 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 even    defraud us; or 
     if we credit your payment to your Account. We may resubmit    (7) you do not comply with any term of this Agreement or any   
     and collect returned payments electronically. If necessary, we    other agreement with us. 
     may adjust your Account to correct errors, process returned  
                                             If you are in default, we may take certain actions with respect   
     and reversed payments and handle similar issues. 
                                             to your Account. For example, depending on the default, we  
     When you send us an Item as payment, you authorize us to    may take the following actions, without notifying you, unless  
     make a one-time electronic fund transfer from your deposit     the law says that we must give you notice: 
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     (1) charge you Fees, or change the APRs and Fees on your   Waiver 
       Account, if provided in your Truth-in-Lending Disclosures;   We will not lose any of our rights if we delay or choose not 
     (2) close or suspend your Account;      to take any action for any reason. We may waive our right 
     (3) lower your credit limit(s);         without notifying you. For example, we may waive your
     (4) demand that you immediately pay the total balance owing     Interest Charges or Fees without notifying you and without
       on your Account;                      losing our right to charge them in the future. 
     (5) continue to charge you Interest Charges and Fees as long  
                                             Assignment
       as your balance remains outstanding; and/or
     (6) ?le a lawsuit against you, or pursue another action that is     This Agreement will be binding on, and benefit, any of your 
       not prohibited by law. If we ?le a lawsuit, you agree to pay    and our successors and assigns. You may not sell, assign 
       our court costs, expenses and attorney fees, unless the    or transfer your Account or this Agreement to someone else 
       law does not allow us to collect these amounts.   without our written permission. 
     Communications                          We may sell, assign or transfer your Account and this 
                                             Agreement without your permission and without prior notice 
     You agree that we may communicate with you by mail, 
                                             to you. Any assignee or assignees will take our place under 
     telephone, email, fax, prerecorded message, automated 
                                             this Agreement. You must pay them and perform all of 
     voice, text message or other means allowed by law 
                                             your obligations to them and not us. If you pay us after we 
     regarding your Account. 
                                             notify you that we have transferred your Account or this 
     You agree that we may contact you at any telephone number   Agreement, we can return the payment to you, forward the
     (including a mobile telephone number that you provide us),   payment to the assignee or handle it in another way that is 
     and use an automated telephone dialing system or similar   reasonable. 
     device to do so. You agree that we may monitor or record   
                                             Glossary
     any conversation or other communication with you. 
                                             � �Access  Check� means any check we send to you to  
     Credit Reports
                                              access credit from your Account. We may also refer to   
     We may report information about your Account to credit   an Access Check as a �convenience check� or a �purchase
     bureaus and others. Late payments, missed payments or  check�. 
     other defaults on your Account may be reflected in your
                                             � �Account� means your Card Account with us.    
     credit report. Information we provide may appear on your
     and the Authorized Users� credit reports.   � �Authorized User� means a person who may use   
                                              the Card but is not responsible for the repayment of  
     If you believe that we have reported inaccurate information 
                                              the Account. 
     about your Account to a credit bureau or other consumer 
     reporting agency, notify us in writing at PO Box 30258,   � �Balance Transfer� means an amount posted to the   
     Salt Lake City, UT 84130-0258. When you write, tell us the     Balance Transfer Segment of your Account unless otherwise   
     specific information that you believe is incorrect and why you  described in your Truth-in-Lending Disclosures. 
     believe it is incorrect. 
                                             �  �Billing Cycle� means the period of time re?ected    
     We may obtain and use credit, income and other information   on a Statement. This period may vary in length, but is  
     about you from credit bureaus and others as the law allows.   approximately 30 days. You will have a Billing Cycle even if a   
                                              Statement is not required. We will often specify a Billing Cycle   
     Closing or Suspending Your Account
                                              by the month in which its closing date occurs. For example,  
     You may contact Customer Service to ask us to close   
                                              a �March Billing Cycle� will have a closing date in March. We   
     your Account. 
                                              may also refer to a Billing Cycle as a �Billing Period�. If your  
     We may close or suspend your Account at any time and for    Account balance has charged off, we may switch to quarterly  
     any reason permitted by law, even if you are not in default.   Billing Cycles for your Account. 
     If we close or suspend your Account for any reason,     � �Card� means any Capital One credit card associated with   
     you must stop using your Card. You must also cancel all   your Account. This includes all renewals and substitutions. 
     billing arrangements set up on the Account. If we close or   It also means any other access device for your Account   
     permanently suspend your Account, you must return or  we give you that allows you to obtain credit, including any
     destroy all Cards. You must still pay us all amounts you owe   Account number. 
     on the Account. 
                                             � �Cash Advance� means a loan in cash or things we  
     Changes to Your Agreement                consider cash equivalents, including wire transfers,
     At any time, we may add, delete or change any term of   traveler�s checks, money orders, foreign currency, lottery 
     this Agreement, unless the law prohibits us from doing so.   tickets, gaming chips and wagers. We post Cash Advances   
     We will give you notice of any changes as required by law.   to the Cash Advance Segment of your Account and not to 
     We may notify you of changes on your Statement or in a   your purchase Segment. 
     separate notice. Our notice will tell you when and how the
                                             � �Fees� mean charges imposed on your Account not based   
     changes will take effect. The notice will describe any rights 
                                              on the Annual Percentage Rates. 
     you have in connection with the changes. 
                                             � �Interest Charges� mean any charges to your Account    
     Your variable APRs (if applicable) can go up or down as the  
                                              based on the application of Annual Percentage Rates. 
     index for the rate goes up or down. If we increase your APRs  
     for any other reason, or if we change your Fees or other terms     � �Item� means a check, draft, money order or other  
     of your Account, we will notify you as required by law.   negotiable instrument you use to pay your Account. This 
                                              includes any image of these instruments. This does not 
     The Law That Applies to Your Agreement
                                              include an Access Check. 
     We make decisions to grant credit and issue you a Card   
                                             � �Payment Card Network� means the network provider  
     from our offices in Virginia. This Agreement is governed by 
                                              displayed on your Card. This may be Visa Inc., MasterCard 
     applicable federal law and by Virginia law. If any part of this 
                                              International Incorporated or any other network provider. 
     Agreement is unenforceable, the remaining parts will remain 
     in effect.                              � �Segments� means the different parts of your Account we   
                                              may establish that are subject to unique APRs, pricing or 
                                           4 
  GMEF_CCA_CFPB_Q3_2016.indd   5                                              9/30/16   10:25 AM
      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.
   
                                        All rights reserved.
 
     BR264173  M-111305                    5 
  GMEF_CCA_CFPB_Q3_2016.indd   6                                              9/30/16   10:25 AM