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            Credit Card Agreement for Walmart Rewards  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 March 31, 2021. The combination of terms that could apply to you will differ depending on  
     the speci?c card offer and on your creditworthiness at the time of application. Not all offers will contain introductory rates. The  
     Customer Agreement contains important information related to consumer credit cards issued by Capital One, N.A. Please  
     visit www.capitalone.com to view our online credit card offers. If you are a current Capital One cardholder, please log in to your  
     account if you would like to request the Credit Card Agreement for your account(s). 
      Annual Percentage Rate 
      Annual Percentage Rate
                       26.99%. 
      (APR) for Purchases and
      Quick Cash        This APR will vary with the market based on the Prime Rate. 
      How to Avoid Paying  Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest  
      Interest on Purchases   on new purchases, provided you have paid your previous balance in full by the due date each  
                       month. We will begin charging interest on cash advances and transfers on the transaction date. 
      For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card,   
      the Consumer Financial   visit the website of the Consumer Financial Protection Bureau at 
      Protection Bureau   http://www.consumer?nance.gov/learnmore. 
      Fees 
      Annual Fee  None. 
      Penalty Fees 
      � Late Payment  Up to $39. 
     How Do You Calculate My Balance? We use a method called �average daily balance (including new transactions).� See 
     �How Do You Calculate The Interest Charge?� section below. 
     What Are My Billing Rights? Information on your rights to dispute transactions and how to exercise those rights is provided
     in �Your Billing Rights Summary� on your Statement and other Truth-in-Lending Disclosures. 
                            THINGS YOU SHOULD KNOW ABOUT THIS CARD 
     How Do You Calculate My Variable Rates? Your variable rates may change when the Prime Rate changes. We calculate   
     variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December,   
     March, June and September. If the Journal is not published on that day, then see the immediately preceding edition. Variable  
     rates on the following segment(s) will be updated quarterly and will take effect on the ?rst day of your January, April, July and  
     October billing periods: Purchase and Quick Cash APR: Prime plus 23.74%. Any increase in the Prime Rate may increase your  
     Interest Charges and your Minimum Payment. 
     What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Purchase and Quick Cash   
     APR is 0.07395%. See �How Do You Calculate The Interest Charge?� section below. 
     How Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new transactions).  
     Under this method, we ?rst calculate your daily balance; for each segment, 1) take the beginning balance and add in new  
     transactions and the periodic interest charge on the previous day�s balance, then 2) subtract any payments and credits for that  
     segment as of that day. The result is the daily balance for each segment. However, if you paid your previous month�s balance  
     in full (or if your balance was zero or a credit amount), new transactions which post to your purchase or special purchase  
     segments are not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances. 
     Next, to ?nd your Average Daily Balance: 1) add the daily balances together for each segment, and 2) divide the sum by the  
     number of days in the billing cycle. 
     At the end of each billing cycle, we determine your Interest Charge as follows: 1) multiply your Average Daily Balance by the daily  
     periodic rate (APR divided by 365) for that segment, and 2) multiply the result by the number of days in the billing period. 
     NOTE: Due to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed. 
     � 2021 Capital One. Capital One is a federally registered service mark. All rights reserved. Products and services offered by 
     Capital One, N.A. Capital One supports information privacy protection: see our website at www.capitalone.com. 
              �
     Capital One  Customer Agreement 
      Welcome to Capital One                Credit Limits 
     Thank you for opening a credit card account with us.  When you open your Account, we will tell you your credit   
     This Customer Agreement, including any changes to it  limits. These will also appear on your Statement. We may   
     (�Agreement�), contains the terms of your agreement  also refer to your credit limits as your credit lines. We   
     with Capital One.                      may give you different credit limits for different types of   
                                            transactions or for the different Segments of your Account. 
     De?nitions 
                                            You are responsible for keeping track of your Segment   
     The meanings of the terms you see in italics appear in   
                                            balances and your available credit. You must manage 
     the Glossary section at the end of this Agreement. 
                                            your Account to remain below your credit limits. We may 
     As used here, �you� and �your� mean each applicant    honor transactions above your credit limits, but if we do 
     and co-applicant for the Account; any person responsible    these transactions will not increase your credit limit. You 
     for paying the Account; and any person responsible for    are responsible for paying for any transaction you make 
     complying with this Agreement. �We,�    above your credit limits. 
     �us,� �our,� and �Capital One� mean Capital One,   
                                            We may also increase, decrease, restrict or cancel your 
     National Association; and its agents, authorized   
                                            credit limit on any Segment at any time. This will not 
     representatives, successors, and assignees. 
                                            affect your obligation to pay us. 
     Account Documents 
                                            Using Your Account 
     The following documents govern your Account with us: 
                                            (1) This Agreement applies whether or not you use your   
     (1) this Agreement;                      Card or Account. It will continue to apply even after   
     (2) all Statements;                      your Account is closed, as long as you have a balance. 
     (3) any rewards program terms, conditions, and  (2) You must sign the Card immediately when you 
        disclosures;                          receive it. 
     (4) any privacy notices;               (3) You must return the Card to us or destroy it if we ask 
     (5) all disclosures and materials provided to you before  you to. 
        or when you opened your Account;    (4) You must take reasonable steps to prevent the 
     (6) any other documents and disclosures relating to your    unauthorized use of your Card and Account. 
        Account, including those provided online; and  (5) We may decline to authorize a transaction for any 
     (7) any future changes we make to any of the above.    reason. This may occur even if the transaction would 
                                              not cause you to go over your credit limit or your 
     Please read these carefully and keep them for 
                                              Account is not in default. 
     future reference. 
                                            (6) We are not responsible for any losses you incur if we 
     New Offers                               do not authorize a transaction. 
     In the future, we may provide you with new offers that we    (7) We are not responsible for any losses you incur if   
     think may interest you. The terms of these offers may differ    anyone refuses to accept your Card for any reason. 
     from the standard terms on your Account. This Agreement    (8) Unless we tell you otherwise, we will bill each 
     will still apply.                        transaction to the applicable Segment of your 
                                              Account. We will apply it against your available credit 
     Account Information                      for that Segment. 
     We need information about you to manage your  (9) You may obtain Quick Cash at participating Walmart�
     Account. This includes:                  owned registers as permitted for your Account. 
                                            (10) You must not use, or try to use, the Card for any 
     (1) your legal name; 
                                               illegal activity. You are responsible for any charges  
     (2) a valid U.S. mailing address and residential address 
                                               if you do. 
        (if different); 
                                            (11) We are not liable for any losses that may result 
     (3) your date of birth; 
                                               when our services are unavailable due to reasons 
     (4) your Social Security number or other government 
                                               beyond our control. 
        identi?cation number; 
                                            (12) You may use your Account for purchases at   
     (5) your telephone number(s); and 
                                               participating retail locations that accept the Card. 
     (6) your employment and income information. 
                                            Rewards 
     You must tell us when this information changes. We may 
     ask you for additional documents to verify any changes.  Your Account may provide you with the opportunity to 
     We may restrict or close your Account if we cannot verify  earn rewards. If it does, we will separately provide you 
     your information, or if you do not provide it as requested.  with information and terms about the rewards. 
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     Promotional Credit Plans               (such as for mail, telephone, Internet, or mobile device   
                                            purchases) the same as if you used the Card in person. If   
     From time to time, we may offer one or more 
                                            you let someone else use your Card, you are responsible   
     promotional Segments prior to or at the time of your 
                                            for all transactions that person makes.   
     purchase. Only certain purchases may be eligible for 
     promotional Segments. These offers may have special 
                                            Statements 
     repayment terms and are conditioned on your timely 
                                            We will generally send or make available to you one 
     payment of at least the requirement payment amount 
                                            Statement for all Cards on your Account at the end of 
     each Billing Cycle. 
                                            each Billing Cycle. Under certain circumstances, the law 
       1. Waived Interest Charge - With this offer there are 
 may not require us to send or make available to you a 
        no Interest Charges on your purchases for a 
 Statement, or may prohibit us from doing so. 
        speci?ed period.
 
                                            Disputed Transactions 
       2.  Reduced Rate - With this offer, you will receive a 

                                            You must inspect each Statement you receive. Tell us 
        reduced Annual Percentage Rate (APR) on your 

                                            about any errors or questions you have, as described 
        purchase for a speci?ed period. 

                                            in the �Billing Rights Summary� on your Statement and 
     Using a PIN                            other Truth-in-Lending Disclosures. If you do not notify 
     We may give you a personal identi?cation number (PIN).    us of an error, we will assume that all information on the 
     For security reasons, you may have to provide the PIN    Statement is correct. 
     before you are able to use your Card. 
                                            If we credit your Account for all or part of a disputed 
     Keep your PIN secure. Do not write it down, give it  transaction, you give us all of your rights against others 
     to anyone, or keep it with your Card. If you lose your  regarding that transaction. You will also: 
     Card or believe the con?dentiality of your PIN has 
                                            (1) give us any information about the disputed 
     been compromised for any reason, you must contact 
                                              transaction, if we ask; 
     Customer Service immediately. 
                                            (2) not pursue any claim or reimbursement of the 
     Authorized Users                         transaction amount from the merchant or any other 
                                              person; and 
     If you ask us to issue a Card to any other person, 
                                            (3) help us get reimbursement from others. 
     they are an Authorized User. We may require certain 
     information about them. We may limit their ability to use 
                                            No Warranties 
     your Card. They may have access to certain information 
                                            We are not responsible for any claim you may have 
     about your Account. You will be responsible for their use 
                                            regarding the purchase of goods or services made with 
     of the Account and anyone else they allow to use your 
                                            your Card beyond your rights described in the �Billing 
     Account, even if you did not want, or agree to, that use. 
                                            Rights Summary� on your Statement. 
     Removing an Authorized User 
                                            Lost or Stolen Card 
     If you want to remove an Authorized User from your 
                                            If your Card is lost or stolen or if you think someone else 
     Account, you must contact Customer Service and 
                                            may be using your Card or Account number without 
     request their removal. You also must immediately 
                                            your permission, you must contact Customer Service 
     destroy all Cards in their possession and cancel any 
                                            immediately. You will not be responsible for transactions 
     arrangements they may have set up on your Account. 
                                            on your Account that we ?nd are unauthorized. 
     They will be able to use your Account until you have 
     noti?ed us that you are removing them from your  If we reimburse you for unauthorized transactions, you will   
     Account. During this time, you will still be responsible  help us investigate, pursue and get reimbursement from   
     for all amounts they charge to your Account. You will be  the wrongdoer. Your help includes giving us documents in   
     responsible even if these amounts do not appear on your  a form that we request.   
     Account until later. 
                                            Interest Charges and Fees 
     Authorized Users may remove themselves from your 
                                            We will charge Interest Charges and Fees to your 
     Account upon request. We reserve the right to remove 
                                            Account as disclosed on your Statement and other 
     them from your Account for any reason. To remove them 
                                            Truth-In-Lending Disclosures. In general, Interest 
     from your Account, we may close your existing Account   
                                            Charges begin to accrue on any unpaid amount from the 
     and issue a new Card with a new Account number. 
                                            date of the transaction, date the transaction is processed 
                                            or the ?rst day of the Billing Cycle. However, we will not 
     Your Promise to Pay 
                                            charge you interest on any new transactions posted to 
     You promise to pay us all amounts due on your Account. 
                                            the purchase Segment of your Account if you pay your 
     This includes amounts where you did not sign a purchase   
                                            �New Balance� in full by the due date on your Statement   
     slip or other documents for the transaction. We will treat   
                                            each month. If you did not pay your �New Balance� in 
     transactions made without presenting your actual Card   
                                            full when due for a Billing Cycle, interest will continue to 
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      accrue between the time that we calculate your �New  due. If your Account is 180 days past due, is part of a 
      Balance,� as re?ected on your Statement, and when  bankruptcy proceeding or is otherwise charged off, the 
      we receive your payment. This interest will post on your  total balance is immediately due and payable. 
      next Statement. That is why if you start accruing Interest 
                                            Making Payments 
      Charges, you generally must pay your �New Balance� 
      in full for two consecutive Billing Cycles before Interest  Your payment must be made in U.S. dollars from a U.S. 
      Charges stop posting to your Statement. From time to  deposit account in a form acceptable to us. We do not 
      time, we may provide you offers that allow you to pay  accept cash payments through the mail. You may not 
      less than the �New Balance� in full and avoid Interest  make payments with funds from your Account or any 
      Charges on new purchase Segment transactions. If we  other credit account with us or any other company in 
      do, we will provide details in the speci?c offer.  the Capital One organization. You must send mailed 
                                            payments to us as instructed on your Statement, unless 
      We will generally treat Fees as purchase transactions 
                                            we tell you otherwise. 
      unless otherwise speci?ed below. These Fees apply to 
      your Account only if your Truth-in-Lending Disclosures    Other Payment Services 
      provide for them. We may increase your Interest Charges    We may make services available that allow you to make   
      and Fees as described in the Changes to Your Agreement    faster or recurring payments online or by telephone. We   
      section or in your Truth-in-Lending Disclosures.  will describe the terms for using these services and any   
                                            applicable Fee before you use them. You do not have to   
     Membership Fee 
                                            use these other payment services.   
     If your Account has a membership Fee, we may charge 
     the ?rst membership Fee either on the day you activate  We are not responsible if your ?nancial institution rejects 
     your Card or on the day when you use your Account,  a payment made using our payment services. 
     whichever occurs ?rst. If your Account terms include a 
                                            If you ask someone else to make a payment for you, we   
     $0 introductory Fee, we may charge the ?rst Fee when 
                                            may provide that person with limited Account information   
     the introductory period ends. If it is an annual Fee, we 
                                            necessary to set up and process that payment. We may   
     may then charge it approximately once per year. If it is a 
                                            also refuse to accept that payment. If we do accept   
     monthly Fee, we may charge it each Billing Cycle. 
                                            it, you will be responsible for that payment even if a   
                                            ?nancial institution rejects it.   
     Late Payment Fee 
     We may charge you this Fee if we do not receive  Payment Processing 
     your payment as instructed on your Statement by the 
                                            We may accept and process payments without losing 
     payment due date. 
                                            any of our rights. We may delay the availability of 
                                            credit until we con?rm that your payment has cleared. 
     Returned Payment Fee 
                                            This may happen even if we credit your payment to 
     We may charge you this Fee each time your ?nancial 
                                            your Account. We may resubmit and collect returned 
     institution for any reason rejects a payment you make 
                                            payments electronically. If necessary, we may adjust 
     to us. 
                                            your Account to correct errors, process returned and 
     Minimum Payment                        reversed payments, and handle similar issues. 
     You must pay us at least the minimum payment amount  When you send us an Item as payment, you authorize   
     by the payment due date. Your Statement will tell you:  us to make a one-time electronic fund transfer from your   
                                            deposit account. You also authorize us to process the   
     (1) the minimum payment due, 
                                            payment as an Item. We may withdraw the funds from   
     (2) your new balance, 
                                            your deposit account as early as the same day we receive   
     (3) the payment due date, and 
                                            your payment. You will not receive your Item back from   
     (4) an explanation of when the payment must reach us 
                                            your bank. We will provide additional information about   
        for us to consider it received as of that date. 
                                            this process on your Statement. 
     Returns and other credits to your Account will reduce 
                                            We may use the information from an Item to create an   
     your Account balance, but they will not change your 
                                            electronic image. We may collect and return the image   
     minimum payment amount. 
                                            electronically. This electronic image may also be converted   
     In addition to the minimum payment, you may pay  to a substitute check and may be processed in the same   
     all or part of the total balance on your Account. But,  way we would process an Item. We will not be responsible   
     you must still pay at least the minimum payment  if an Item you provide has physical features that when   
     amount each month, even if you paid more than the  imaged result in it not being processed as you intended.   
     minimum payment due on the previous Statement. We 
     will continue to charge Interest Charges during Billing  How We Apply Your Payments 
     Cycles when you carry a balance regardless of whether  Your Account may have Segments with different Annual 
     your Statement includes a minimum payment that is  Percentage Rates (APR). If your Account has Segment   
                                           3 
      balances with different APRs, here is how we apply  Disclosures; 
      payments in a Billing Cycle:          (2) close or suspend your Account; 
                                            (3) lower your credit limit(s); 
      (1) We generally apply credits and payments up to your   
                                            (4) demand that you immediately pay the total balance 
        minimum payment ?rst to the balance with the lowest   
                                              owing on your Account; 
        APR, and then to balances with higher APRs.   
                                            (5) continue to charge you Interest Charges and Fees as   
      (2) We apply any part of your payment exceeding your   
                                              long as your balance remains outstanding; and/or 
        minimum payment to the balance with the highest   
                                            (6) ?le a lawsuit against you, or pursue another action that   
        APR, and then to balances with lower APRs. 
                                              is not prohibited by law. If we ?le a lawsuit, you agree to   
     Items with Restrictive Words, Conditions,  pay our court costs, expenses and attorney fees, unless   
                                              the law does not allow us to collect these amounts. 
     or Instructions 
     You must mail all Items bearing restrictive words,  Communications 
     conditions, limitations, or special instructions to: 
                                            You agree that we may communicate with you by mail, 
     Capital One                            telephone, email, fax, prerecorded message, automated 
     PO Box 1330                            voice, text message or other means allowed by law 
     Charlotte, NC 28201-1330               regarding your Account. 
     This includes Items marked �Paid in Full� or similar  You agree that we may contact you at any telephone 
     language. This also includes all accompanying  number (including a mobile telephone number that 
     communications.                        you provide us), and use an automated telephone 
                                            dialing system or similar device to do so. You agree that 
     If you make such a payment or send any accompanying 
                                            we may monitor or record any conversation or other 
     communications to any other address, we may reject it 
                                            communication with you. 
     and return it to you. We may also accept it and process 
     it without losing any of our rights.   Some of our communications, including this Agreement,   
                                            are available in both English and Spanish. You will be   
     Credit Balances                        given the opportunity to select which of these language   
     We may reject and return any payment that creates or  you would prefer for future communications. Capital One   
     adds to a credit balance on your Account. Any credit  reserves the right to send communications in English.   
     balance we allow will not be available until we con?rm  Some online services and other important communications   
     that your payment has cleared. We may reduce the  about your Account may only be available in English. You   
     amount of any credit balance by any new charges. You  should review all communications we send to you in both   
     may write to the address provided on your Statement    languages, as they may contain important information   
     or call Customer Service to request a refund of any  about your Account. 
     available credit balance. 
                                            Credit Reports 
     Account Default                        We may report information about your Account to credit 
     You will be in default if:             bureaus and others. Late payments, missed payments, 
                                            or other defaults on your Account may be re?ected in 
     (1) you do not make any payment when it is due; 
                                            your credit report. Information we provide may appear 
     (2) any payment you make is rejected, not paid or 
                                            on your and the Authorized Users� credit reports. 
        cannot be processed; 
     (3) you exceed a credit limit;         If you believe that we have reported inaccurate 
     (4) you ?le or become the subject of a bankruptcy or  information about your Account to a credit bureau or 
        insolvency proceeding;              other consumer reporting agency, notify us in writing at 
     (5) you are unable or unwilling to repay your obligations,  PO Box 30281, Salt Lake City, UT 84130-0281. When 
        including upon death or legally declared incapacity;  you write, tell us the speci?c information that you believe 
     (6) we determine that you made a false, incomplete or  is incorrect and why you believe it is incorrect. 
        misleading statement to us, or you otherwise tried to 
                                            We may obtain and use credit, income and other 
        defraud us; 
                                            information about you from credit bureaus and others as 
     (7) you do not comply with any term of this Agreement 
                                            the law allows. 
        or any other agreement with us; or 
     (8) you permanently reside outside the United States.  Closing or Suspending Your Account 
     If you are in default, we may take certain actions with    You may contact Customer Service to ask us to close 
     respect to your Account. For example, depending on the    your Account. 
     default, we may take the following actions, without notifying   
                                            We may close or suspend your Account at any time 
     you, unless the law says that we must give you notice:   
                                            and for any reason permitted by law, even if you are  
     (1) charge you Fees, or change the APRs and Fees on  not in default. 
        your Account, if provided in your Truth-in-Lending 
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     If we close or suspend your Account for any reason,  ��Authorized User� means a person who may use 
     you must stop using your Card. You must also cancel all  the Card, but is not responsible for the repayment 
     billing arrangements set up on the Account. If we close  of the Account. 
     or permanently suspend your Account, you must return 
                                            ��Billing Cycle� means the period of time re?ected on 
     or destroy all Cards. You must still pay us all amounts 
                                             a Statement. This period may vary in length, but is 
     you owe on the Account. 
                                             approximately 30 days. You will have a Billing Cycle   
     Changes to Your Agreement               even if a Statement is not required. We will often 
                                             specify a Billing Cycle by the month in which its closing 
     At any time, we may add, delete or change any term of 
                                             date occurs. For example, a �March Billing Cycle� will 
     this Agreement, unless the law prohibits us from doing 
                                             have a closing date in March. We may also refer to 
     so. We will give you notice of any changes as required 
                                             a Billing Cycle as a �Billing Period�. If your Account   
     by law. We may notify you of changes on your Statement   
                                             balance has charged off, we may switch to quarterly 
     or in a separate notice. Our notice will tell you when and 
                                             Billing Cycles for your Account. 
     how the changes will take effect. The notice will describe 
     any rights you have in connection with the changes.  ��Card� means any Capital One credit card associated   
                                             with your Account. This includes all renewals and   
     Your variable APRs (if applicable) can go up or down as the   
                                             substitutions. It also means any other access device for   
     index for the rate goes up or down. If we increase your APRs   
                                             your Account we give you that allows you to obtain credit,   
     for any other reason, or if we change your Fees or other   
                                             including any Account number. 
     terms of your Account, we will notify you as required by law. 
                                            ��Fees� means charges imposed on your Account not 
     The Law That Applies to Your Agreement 
                                             based on the Annual Percentage Rates. 
     We make decisions to grant credit and issue you a Card   
     from our of?ces in Virginia. This Agreement is governed  �  �Interest Charges� means any charges to your Account   
     by applicable federal law and by Virginia law. If any part  based on the application of Annual Percentage Rates. 
     of this Agreement is unenforceable, the remaining parts 
                                            ��Item� means a check, draft, money order or other   
     will remain in effect. 
                                             negotiable instrument you use to pay your Account. This   
                                             includes any image of these instruments. 
     Waiver 
     We will not lose any of our rights if we delay or choose  ��Quick Cash� means cash that may be obtained in $20   
     not to take any action for any reason. We may waive our  increments, up to any limit we may set, at the time   
     right without notifying you. For example, we may waive  a purchase transaction is made using your Card at   
     your Interest Charges or Fees without notifying you and  participating Walmart-owned registers. Quick Cash is   
     without losing our right to charge them in the future.  not available if you are using Walmart Pay. Quick Cash   
                                             transactions will be treated as part of the purchase Segment   
     Assignment 
                                             of your Account for the purpose of calculating interest.   
     This Agreement will be binding on, and bene?t, any of   
                                            ��Segments� means the different parts of your Account   
     your and our successors and assigns. You may not sell,   
                                             we may establish that are subject to unique APRs, 
     assign or transfer your Account or this Agreement to   
                                             pricing, or other terms. The sum of your Segment   
     someone else without our written permission.   
                                             balances equals your total Account balance. 
     We may sell, assign or transfer your Account and this 
                                            ��Statement� means a document showing important   
     Agreement without your permission and without prior 
                                             Account information, including all transactions billed to   
     notice to you. Any assignee or assignees will take our 
                                             your Account during a Billing Cycle and information about   
     place under this Agreement. You must pay them and 
                                             what you must pay. We may also refer to your Statement   
     perform all of your obligations to them and not us. If you 
                                             as a �Periodic Statement� or a �Billing Statement�. 
     pay us after we notify you that we have transferred your 
     Account or this Agreement, we can return the payment  ��Truth-in-Lending Disclosures� means disclosures that 
     to you, forward the payment to the assignee, or handle it  the federal Truth in Lending Act and Regulation Z 
     in another way that is reasonable.      require for any Account. This includes your application 
                                             and solicitation disclosures, Account opening 
     Glossary 
                                             disclosures, subsequent disclosures, Statements, and 
     ��Account� means your Card Account with us.  change in terms notices. 
                                      � 2019 Capital One
 
                                Capital One is a federally registered service mark.
   
                                       All rights reserved.
 
     BR408249      M-128868                5                      COF Customer Agreement 426