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