�
     Credit Card Agreement for Polaris 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, 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    22.24%. 
      (APR) for Purchases 
                        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 on Purchases:   interest on purchases if you pay your entire balance by the due date each month. 
      Minimum Interest Charge  A minimum Interest Charge of $2.00 will be assessed for each billing cycle in which an Interest 
                        Charge is payable. 
      Annual Fee  $0. 
      Transaction Fees 
      � Balance Transfer Fee None. 
      � Cash Advance Fee None. 
      � 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 18.74 percentage points for the Standard Rate. Any changes in the Prime Rate will  
    take effect on the ?rst day of your billing cycle beginning in the next month.  ? 
              � 
      Capital One   Customer Agreement      Using Your Account
                                             (1) This Agreement applies whether or not you use your   
      Welcome to Capital One
                                               Card or Account. It will continue to apply even after your
      This credit card is issued by Capital One, N.A. and may be
                                               Account is closed, as long as you have a balance.
      used at participating retail locations that accept the Card. 
                                             (2) You must sign the Card immediately when you receive it.  
      This Customer Agreement, including any changes to it 
                                             (3) You must return the Card to us or destroy it if we ask   
      (�Agreement�), contains the terms of your agreement with
                                               you to.
      Capital One. 
                                             (4) You must take reasonable steps to prevent the   
     De?nitions                                unauthorized use of your Card and Account. 
      The meanings of the terms you see in italics appear in the  (5) We may decline to authorize a transaction for any   
      Glossary section at the end of this Agreement.   reason. This may occur even if the transaction would 
                                               not cause you to go over your credit limit or your
      As used here, �you� and �your� mean each applicant and co-
                                               Account is not in default. 
      applicant for the Account; any person responsible for paying  
                                             (6) We are not responsible for any losses you incur if we do   
      the Account; and any person responsible for complying with  
                                               not authorize a transaction. 
      this Agreement. �We�, �us�, �our� and �Capital One� mean  
                                             (7) We are not responsible for any losses you incur if   
      Capital One, National Association and its agents, authorized  
                                               anyone refuses to accept your Card for any reason.
      representatives, successors and assignees. 
                                             (8) You must not use, or try to use, the Card for any illegal  
      Account Documents                        activity. You are responsible for any charges if you do.
      The following documents govern your Account with us:   (9) We are not liable for any losses that may result when   
                                               our services are unavailable due to reasons beyond  
      (1)     this  Agreement;
                                               our control. 
      (2)     all  Statements; 
      (3) any privacy notices;               Promotional Credit Plans 
      (4) all disclosures and materials provided to you before or    From time to time, we may offer one or more promotional 
         when you opened your Account;       Credit Plans prior to or at the time of your purchase.
      (5) any other documents and disclosures relating to your    Only certain purchases may be eligible for promotional
         Account, including those provided online; and  Credit Plans. The amount of your credit limit available for 
      (6) any future changes we make to any of the above.     promotional Credit Plans may be limited. These plans may 
                                             have special repayment terms and are conditioned on your
      Please read these carefully and keep them for  
                                             timely payment of at least the required payment amount
      future reference. 
                                             each Billing Cycle: 
      New Offers 
                                             (1) Waived Interest Charge Credit Plan - With this plan,  
      In the future, we may provide you with new offers that we 
                                               there are no Interest Charges on your purchase for a
      think may interest you. The terms of these offers may differ 
                                              speci?ed period. 
      from the standard terms on your Account. This Agreement 
      will still apply.                      (2) Reduced Rate Credit Plan - With this plan, you will  
                                               receive a reduced Annual Percentage Rate (APR) on 
      Account Information 
                                              your purchase for a speci?ed period. 
      We need information about you to manage your Account. 
      This includes:                         Security Interest
                                             As security for the payment of your Account balance, you  
      (1) your legal name,  
                                             grant us a purchase money security interest (Security  
      (2) a valid U.S. mailing address and residential address (if  
                                            Interest) in the following items ?nanced using your Account: 
         different),
      (3) your date of birth,                (1) any goods you buy using your Account; and   
      (4) your Social Security number or other government    (2) all insurance contracts and proceeds, returned  
        identi?cation number,                  premiums, mechanical failure and extended service
      (5) your telephone number(s), and        contracts and refunds of charges for mechanical failure
      (6) your employment and income information.     and extended service contracts. 
      You must tell us when this information changes. We may   Each good you buy using your Account: 
      ask you for additional documents to verify any changes. We   (1) secures your entire Account balance and any other  
      may restrict or close your Account if we cannot verify your  amounts owed under this Agreement; and 
      information, or if you do not provide it as requested.   (2) may be taken from you if you do not pay on time or  
                                               are otherwise in default as described in the Account 
      Credit Limits 
                                               Default section of this Agreement. 
      When you open your Account, we will tell you your credit
      limit. This will also appear on your Statement. We may also   To decide when a good is paid in full and no longer subject 
      refer to your credit limit as your credit line.   to a Security Interest, your payments will be applied as
                                             described in the How We Apply Your Payments section of 
      You are responsible for keeping track of your balance and  
                                             this Agreement. Once you have fully paid for any good, we 
      your available credit. You must manage your Account to   
                                             will release our Security Interest in that good.   
      remain below your credit limit. We may honor transactions  
      above your credit limit, but if we do, these transactions will    If we take or attempt to take possession of any good, we
      not increase your credit limit. You are responsible for paying    may charge you our costs and may require you to make
      for any transaction you make above your credit limit.   the good available at a convenient place of our choice as
                                             allowed by law. Our costs may be related to: 
      We may also increase, decrease, restrict or cancel your 
      credit limit at any time. This will not affect your obligation to   (1) attempting to or repossessing the good;  
      pay us.                                (2) repairing the good;  
                                             (3) storing the good;   
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       (4) selling the good; or              may be using your Card or Account number without 
      (5) any other costs allowed by law.     your permission, you must contact Customer Service
                                             immediately. You will not be responsible for transactions on 
      Authorized Users 
                                             your Account that we ?nd are unauthorized. 
      If you ask us to issue a Card to any other person, they are 
      an Authorized User. We may require certain information   If we reimburse you for unauthorized transactions, you will
      about them. We may limit their ability to use your Card.   help us investigate, pursue and get reimbursement from
      They may have access to certain information about your  the wrongdoer. Your help includes giving us documents in a 
      Account. You will be responsible for their use of the   form that we request. 
      Account and anyone else they allow to use your Account, 
                                             Interest Charges and Fees
      even if you did not want, or agree to, that use. 
                                             We will charge Interest Charges and Fees to your Account   
      Removing an Authorized User            as disclosed on your Statement and other Truth-in-Lending 
      If you want to remove an Authorized User from your  Disclosures. In general, Interest Charges begin to accrue
      Account, you must contact Customer Service and request  from the date of a purchase. However, we will not charge   
      their removal. You also must immediately destroy all Cards     you interest on any new purchases posted to your Account   
      in their possession and cancel any arrangements they may  if you paid the total balance of your Account in full by the
      have set up on your Account. They will be able to use your    due date on your Statement each month. 
      Account until you have noti?ed us that you are removing
                                             If you have a Waived Interest Charge or Reduced Rate 
      them from your Account. During this time, you will still be
                                             Credit Plan balance and the promotional period does not
      responsible for all amounts they charge to your Account. 
                                             expire before your payment due date, we will exclude that
      You will be responsible even if these amounts do not 
                                             promotional plan balance from the amount you must pay
      appear on your Account until later. 
                                             in full to avoid Interest Charges. However, you must still 
      Authorized Users may remove themselves from your  make any required payment on that excluded promotional
      Account upon request. We reserve the right to remove     balance. 
      them from your Account for any reason. To remove them 
                                             We will generally treat Fees as purchase transactions  
      from your Account, we may close your existing Account   
                                            unless otherwise speci?ed below. These Fees apply to your  
      and issue a new Card with a new Account number. 
                                             Account only if your Truth-in-Lending Disclosures provide for  
      Your Promise to Pay                    them. We may increase your Interest Charges and Fees as   
      You promise to pay us all amounts due on your Account.   described in the Changes to Your Agreement section or in   
      This includes amounts where you did not sign a purchase  your Truth-in-Lending Disclosures. 
      slip or other documents for the transaction. We will treat   Late Payment Fee
      transactions made without presenting your actual Card   
                                             We may charge you this Fee if we do not receive your
      (such as for mail, telephone, Internet or mobile device
                                             payment as instructed on your Statement by the payment
      purchases) the same as if you used the Card in person. If
                                             due date. 
      you let someone else use your Card, you are responsible
      for all transactions that person makes.   Returned Payment Fee
                                             We may charge you this Fee each time your ?nancial ? 
      Statements 
                                             institution for any reason rejects a payment you make to us. 
      We will generally send or make available to you one 
      Statement for all Cards on your Account at the end of each   Minimum Payment
      Billing Cycle. Under certain circumstances, the law may not  You must pay us at least the minimum payment due by the 
      require us to send or make available to you a Statement, or   payment due date. The minimum payment for your Account   
      may prohibit us from doing so.         includes the minimum payment due on each Credit Plan. 
                                             Your Statement will tell you: 
      Disputed Transactions
      You must inspect each Statement you receive. Tell us   (1) the minimum payment due,  
      about any errors or questions you have, as described in  (2) your new balance,  
      the �Billing Rights Summary� on your Statement and other   (3) the payment due date and  
      Truth-in-Lending Disclosures. If you do not notify us of an  (4) an explanation of when the payment must reach us for  
      error, we will assume that all information on the Statement     us to consider it received as of that date. 
      is correct.                            Returns and other credits to your Account will reduce your
      If we credit your Account for all or part of a disputed  Account balance, but they will not change your minimum 
      transaction, you give us all of your rights against others  payment amount. 
      regarding that transaction. You will also:   In addition to the minimum payment, you may pay all or  
      (1) give us any information about the disputed transaction,    part of the total balance on your Account. But, you must still  
         if we ask;                          pay at least the minimum payment amount each month,  
      (2) not pursue any claim or reimbursement of the    even if you paid more than the minimum payment due on  
         transaction amount from the merchant or any other  the previous Statement. We will continue to charge Interest   
         person; and                         Charges during Billing Cycles when you carry a balance  
      (3) help us get reimbursement from others.     regardless of whether your Statement includes a minimum   
                                             payment that is due. If your Account is 180 days past due, is  
      No Warranties 
                                             part of a bankruptcy proceeding, or is otherwise charged off,  
      We are not responsible for any claim you may have   the total balance is immediately due and payable. 
      regarding the purchase of goods or services made with 
                                             Making Payments
      your Card beyond your rights described in the �Billing
      Rights Summary� on your Statement.     Your payment must be made in U.S. dollars from a U.S. 
                                             deposit account in a form acceptable to us. We do not 
      Lost or Stolen Card 
                                             accept cash payments through the mail. You may not make 
      If your Card is lost or stolen or if you think someone else   payments with funds from your Account or any other credit 
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      account with us or any other company in the Capital One  Credit Balances 
      organization. You must send mailed payments to us as   We may reject and return any payment that creates or adds 
      instructed on your Statement, unless we tell you otherwise.     to a credit balance on your Account. Any credit balance 
      Other Payment Services                we allow will not be available until we con?rm that your
                                             payment has cleared. We may reduce the amount of any 
      We may make services available that allow you to make 
                                             credit balance by any new charges. You may write to the 
      faster or recurring payments online or by telephone. We 
                                             address provided on your Statement or call Customer 
      will describe the terms for using these services and any
                                             Service to request a refund of any available credit balance. 
      applicable Fee before you use them. You do not have to 
       use 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  
       may provide that person with limited Account information   be processed;
      necessary to set up and process that payment. We may   (3) you exceed a credit limit;  
      also refuse to accept that payment. If we do accept it, you (4) you ?le or become the subject of a bankruptcy or ? 
     will be responsible for that payment even if a ?nancial  insolvency proceeding;
      institution rejects it.                (5) you are unable or unwilling to repay your obligations,  
                                               including upon death or legally declared incapacity;
      Payment Processing
                                             (6) we determine that you made a false, incomplete or  
      We may accept and process payments without losing any   misleading statement to us, or you otherwise tried to
      of our rights. We may delay the availability of credit until we   defraud us; or 
     con?rm that your payment has cleared. This may happen   (7) you do not comply with any term of this Agreement or   
      even if we credit your payment to your Account. We may   any other agreement with us. 
      resubmit and collect returned payments electronically. If 
                                             If you are in default, we may take certain actions with 
      necessary, we may adjust your Account to correct errors, 
                                             respect to your Account. For example, depending on the
      process returned and reversed payments and handle
                                             default, we may take the following actions, without notifying
      similar issues. 
                                             you, unless the law says that we must give you notice: 
      When you send us an Item as payment, you authorize
                                             (1) charge you Fees, or change the APRs and Fees on   
      us to make a one-time electronic fund transfer from your
                                               your Account, if provided in your Truth-in-Lending 
      deposit account. You also authorize us to process the 
                                               Disclosures; 
      payment as an Item. We may withdraw the funds from 
                                             (2) close or suspend your Account;   
      your deposit account as early as the same day we receive
                                             (3) lower your credit limit(s);  
      your payment. You will not receive your Item back from 
                                             (4) demand that you immediately pay the total balance  
      your bank. We will provide additional information about this 
                                               owing on your Account; 
      process on your Statement. 
                                             (5) exercise our rights as a secured party, including taking   
      We may use the information from an Item to create an   possession of any goods which remain subject to our
      electronic image. We may collect and return the image   Security Interest (as provided in the Security Interest
      electronically. This electronic image may also be converted   section of this Agreement), when allowed by law;
      to a substitute check and may be processed in the same  (6) continue to charge you Interest Charges and Fees as   
      way we would process an Item. We will not be responsible   long as your balance remains outstanding; and/or 
      if an Item you provide has physical features that when
                                            (7) ?le a lawsuit against you, or pursue another action that ? 
      imaged result in it not being processed as you intended. 
                                              is not prohibited by law. If we ?le a lawsuit, you agree to 
      How We Apply Your Payments               pay our court costs, expenses and attorney fees, unless
      In each Billing Cycle, we generally apply payments up to  the law does not allow us to collect these amounts. 
      your minimum payment amount to satisfy the minimum
                                             Communications 
      payment due on each Credit Plan, ?rst to the lowest APR 
                                             You agree that we may communicate with you by mail, 
      Credit Plan balance and then to higher APR Credit Plan   
                                             telephone, email, fax, prerecorded message, automated
      balances. We apply any part of your payment exceeding 
                                             voice, text message or other means allowed by law
      your minimum payment to the balance with the highest
                                             regarding your Account. 
      APR, and then to balances with lower APRs. We do this 
      based on the APRs in effect and balances owed on the day   You agree that we may contact you at any telephone 
      your preceding Billing Cycle ended.    number (including a mobile telephone number that you
                                             provide us), and use an automated telephone dialing
      Items with Restrictive Words, Conditions,   
                                             system or similar device to do so. You agree that we may   
      or Instructions 
                                             monitor or record any conversation or other communication
      You must mail all Items bearing restrictive words,
                                             with you. 
      conditions, limitations or special instructions to: 
                                             Credit Reports
      Capital One
                                             We may report information about your Account to credit 
      PO Box 1330 
                                             bureaus and others. Late payments, missed payments or
      Charlotte, NC 28201-1330 
                                             other defaults on your Account may be re?ected in your
      This includes Items marked �Paid in Full� or similar   credit report. Information we provide may appear on your
      language. This also includes all accompanying   and the Authorized Users� credit reports. 
      communications. 
                                             If you believe that we have reported inaccurate information
      If you make such a payment or send any accompanying  about your Account to a credit bureau or other consumer 
      communications to any other address, we may reject it  reporting agency, notify us in writing at PO Box 30258, 
      and return it to you. We may also accept it and process it     Salt Lake City, UT 84130-0258. When you write, tell us the 
      without losing any of our rights. 
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     speci?c information that you believe is incorrect and why  Glossary
      you believe it is incorrect.           � �Account� means your Card Account with us.   
      We may obtain and use credit, income and other   � �Authorized User� means a person who may use the  
      information about you from credit bureaus and others as  Card but is not responsible for the repayment of the
      the law allows.                         Account.
      Closing or Suspending Your Account     �  �Billing Cycle� means the period of time re?ected   ? 
      You may contact Customer Service to ask us to close     on a Statement. This period may vary in length, but is  
      your Account.                           approximately 30 days. You will have a Billing Cycle even if  
                                              a Statement is not required. We will often specify a Billing  
      We may close or suspend your Account at any time and for  
                                              Cycle by the month in which its closing date occurs. For  
      any reason permitted by law, even if you are not in default. 
                                              example, a �March Billing Cycle� will have a closing date  
      If we close or suspend your Account for any reason,     in March. We may also refer to a Billing Cycle as a �Billing  
      you must stop using your Card. You must also cancel all   Period�. If your Account balance has charged off, we may  
      billing arrangements set up on the Account. If we close or   switch to quarterly Billing Cycles for your Account.
      permanently suspend your Account, you must return or
                                             � �Card� means any Capital One credit card associated  
      destroy all Cards. You must still pay us all amounts you 
                                              with your Account. This includes all renewals and
      owe on the Account. 
                                              substitutions. It also means any  
      Changes to Your Agreement               other access device for your Account we give you that
      At any time, we may add, delete or change any term of  allows you to obtain credit, including any Account number.
      this Agreement, unless the law prohibits us from doing so. 
                                             � �Credit Plans� mean the different parts of your Account   
      We will give you notice of any changes as required by law. 
                                              we may establish that are subject to unique APRs, pricing
      We may notify you of changes on your Statement or in a 
                                              or other terms. The sum of your Credit Plan balances
      separate notice. Our notice will tell you when and how the
                                              equals your total Account balance.
      changes will take effect. The notice will describe any rights 
      you have in connection with the changes.   � �Fees� mean charges imposed on your Account not  
                                              based on the Annual Percentage Rates.
      Your variable APRs (if applicable) can go up or down as 
      the index for the rate goes up or down. If we increase your  � �Interest Charges� mean any charges to your Account   
      APRs for any other reason, or if we change your Fees or   based on the application of Annual Percentage Rates.
      other terms of your Account, we will notify you as required
                                             � �Item� means a check, draft, money order or other  
      by law. 
                                              negotiable instrument you use to pay your Account. This
      The Law That Applies to Your Agreement  includes any image of these instruments. This does not
      We make decisions to grant credit and issue you a Card     include an Access Check.
     from our of?ces in Virginia. This Agreement is governed   � �Statement� means a document showing important  
     by applicable federal law and by Virginia law. If any part of   Account information, including all transactions billed to
      this Agreement is unenforceable, the remaining parts will   your Account during a Billing Cycle and information about
      remain in effect.                       what you must pay. We may also refer to your Statement  
      Waiver                                  as a �Periodic Statement� or a �Billing Statement�.
      We will not lose any of our rights if we delay or choose not   � �Truth-in-Lending Disclosures� means disclosures  
      to take any action for any reason. We may waive our right   that the federal Truth in Lending Act and Regulation Z
      without notifying you. For example, we may waive your  require for any Account. This includes your application
      Interest Charges or Fees without notifying you and without  and solicitation disclosures, Account opening disclosures,
      losing our right to charge them in the future.   subsequent disclosures, Statements and change in terms
                                              notices.
      Assignment
     This Agreement will be binding on, and bene?t, 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. 
                                       � 2015 Capital One
 
                                 Capital One is a federally registered service mark.
   
       BR262482  M-111186                   4