�
     Credit Card Agreement for Walter E. Smithe 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    18.9%. 
      (APR) for Purchases 
      Penalty APR and     22.9%. 
      When It Applies 
                        Your APR may increase to the Penalty APR if we fail to receive your minimum payment with 
                        in 60 days when due. You will no longer be eligible for the Standard Rate and all existing   
                        Promotional Credit Plans will terminate, and your entire Account balance will be subject to the 
                        Penalty Rate. If your Account becomes subject to the Penalty APR, we will provide advance 
                        notice before the new Penalty APR goes into effect. If you make the next six consecutive on 
                       time minimum payments starting with your ?rst payment due once the Penalty APR goes into 
                        effect, your rates will return to the non-penalty APR(s) applicable to your Account. If you do not 
                        make these six consecutive on time minimum payments, we may keep the Penalty APR on 
                       your Account inde?nitely. 
      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 for the Standard Rate will be .05178% (corresponding 18.9% Annual 
     Percentage Rate). The Daily Periodic Rate for the Penalty Rate .06274% (corresponding 22.9% Annual Percentage Rate). 
              � 
      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
                                               Account is not in default. 
      co-applicant for the Account; any person responsible
                                             (6) We are not responsible for any losses you incur if we do   
      for paying the Account; and any person responsible for
                                               not authorize a transaction. 
      complying with this Agreement. �We�, �us�, �our� and 
                                             (7) We are not responsible for any losses you incur if anyone   
      �Capital One� mean Capital One, National Association and 
                                               refuses to accept your Card for any reason.
      its agents, authorized representatives, successors and
                                             (8) You must not use, or try to use, the Card for any illegal  
      assignees. 
                                               activity. You are responsible for any charges if you do.
      Account Documents                      (9) We are not liable for any losses that may result when   
      The following documents govern your Account with us:   our services are unavailable due to reasons beyond  
                                               our control. 
      (1)     this  Agreement;
      (2)     all  Statements;               Promotional Credit Plans 
      (3) any privacy notices;               From time to time, we may offer one or more promotional 
      (4) all disclosures and materials provided to you before or    Credit Plans prior to or at the time of your purchase. Only 
         when you opened your Account;       certain purchases may be eligible for promotional Credit 
      (5) any other documents and disclosures relating to your     Plans. These plans may have special repayment terms 
         Account, including those provided online; and  and are conditioned on your timely payment of at least the 
      (6) any future changes we make to any of the above.     required payment amount each Billing Cycle: 
      Please read these carefully and keep them for    (1) Waived Interest Charge Credit Plan - With this plan,  
      future reference.                        there are no Interest Charges on your purchase for a
                                              speci?ed period. 
      New Offers 
      In the future, we may provide you with new offers that we   (2) Same As Cash / Monthly Payment Credit Plan -   
      think may interest you. The terms of these offers may differ   With this plan, there are no Interest Charges on your
      from the standard terms on your Account. This Agreement   purchase if you repay the full cash price of the purchase
      will still apply.                        before the promotional expiration date shown on your
                                               Statement. If you do not repay in full by the promotional
      Account Information 
                                               expiration date, Interest Charges will be imposed on the
      We need information about you to manage your Account. 
                                               promotional purchase from the purchase date. 
      This includes: 
                                             (3) Reduced Rate Credit Plan - With this plan, you will   
      (1) your legal name,  
                                               receive a reduced Annual Percentage Rate (APR) on 
      (2) a valid U.S. mailing address and residential address   
                                              your purchase for a speci?ed period. 
         (if different),
      (3) your date of birth,                Authorized Users 
      (4) your Social Security number or other government    If you ask us to issue a Card to any other person, they are 
        identi?cation number,                an Authorized User. We may require certain information 
      (5) your telephone number(s), and      about them. We may limit their ability to use your Card. 
      (6) your employment and income information.     They may have access to certain information about your
                                             Account. You will be responsible for their use of the 
      You must tell us when this information changes. We may 
                                             Account and anyone else they allow to use your Account, 
      ask you for additional documents to verify any changes.
                                             even if you did not want, or agree to, that use. 
      We may restrict or close your Account if we cannot verify
      your information, or if you do not provide it as requested.   Removing an Authorized User
                                             If you want to remove an Authorized User from your
      Credit Limits 
                                             Account, you must contact Customer Service and request 
      When you open your Account, we will tell you your credit limit.   
                                             their removal. You also must immediately destroy all Cards   
      This will also appear on your Statement. We may also refer to   
                                             in their possession and cancel any arrangements they may 
      your credit limit as your credit line. 
                                             have set up on your Account. They will be able to use your  
      You are responsible for keeping track of your balance and    Account until you have notified us that you are removing 
      your available credit. You must manage your Account to     them from your Account. During this time, you will still be 
      remain below your credit limit. We may honor transactions    responsible for all amounts they charge to your Account. 
      above your credit limit, but if we do, these transactions    You will be responsible even if these amounts do not 
      will not increase your credit limit. You are responsible for    appear on your Account until later. 
      paying for any transaction you make above your credit limit. 
                                             Authorized Users may remove themselves from your
      We may also increase, decrease, restrict or cancel your   Account upon request. We reserve the right to remove   
      credit limit at any time. This will not affect your obligation to   them from your Account for any reason. To remove them 
      pay us.                                from your Account, we may close your existing Account   
                                             and issue a new Card with a new Account number. 
                                            1 
      Your Promise to Pay                    For Same as Cash plans, we will not charge you interest  
      You promise to pay us all amounts due on your Account.   on your promotional purchase if you repay the full amount  
      This includes amounts where you did not sign a purchase  of the purchase before the expiration date shown on your  
      slip or other documents for the transaction. We will treat   Statement. If you do not repay the promotional purchase in  
      transactions made without presenting your actual Card     full by the expiration date, Interest Charges will be imposed  
      (such as for mail, telephone, Internet or mobile device  on the promotional purchase from the date of the purchase. 
      purchases) the same as if you used the Card in person. If  We will generally treat Fees as purchase transactions  
      you let someone else use your Card, you are responsible   unless otherwise specified below. These Fees apply to your  
      for all transactions that person makes.   Account only if your Truth-in-Lending Disclosures provide for  
      Statements                             them. We may increase your Interest Charges and Fees as   
                                             described in the Changes to Your Agreement section or in   
      We will generally send or make available to you one  
                                             your Truth-in-Lending Disclosures. 
      Statement for all Cards on your Account at the end of each   
      Billing Cycle. Under certain circumstances, the law may not    Late Payment Fee
      require us to send or make available to you a Statement, or     We may charge you this Fee if we do not receive your
      may prohibit us from doing so.         payment as instructed on your Statement by the payment
      Disputed Transactions                  due date. 
      You must inspect each Statement you receive. Tell us   Returned Payment Fee
      about any errors or questions you have, as described in  We may charge you this Fee each time your ?nancial
      the �Billing Rights Summary� on your Statement and other   institution for any reason rejects a payment you make to 
      Truth-in-Lending Disclosures. If you do not notify us of an   us. 
      error, we will assume that all information on the Statement   
                                             Minimum Payment
      is correct. 
                                             You must pay us at least the minimum payment due by 
      If we credit your Account for all or part of a disputed
                                             the payment due date. The minimum payment for your 
      transaction, you give us all of your rights against others
                                             Account includes the minimum payment due on each 
      regarding that transaction. You will also: 
                                             Credit Plan. Your Statement will tell you: 
      (1) give us any information about the disputed transaction,  
                                             (1) the minimum payment due,  
         if we ask; 
                                             (2) your new balance,  
      (2) not pursue any claim or reimbursement of the  
                                             (3) the payment due date and  
         transaction amount from the merchant or any other
                                             (4) an explanation of when the payment must reach us for  
         person; and
                                               us to consider it received as of that date. 
      (3) help us get reimbursement from others.   
                                             Returns and other credits to your Account will reduce your
      No Warranties 
                                             Account balance, but they will not change your minimum 
      We are not responsible for any claim you may have   payment amount. 
      regarding the purchase of goods or services made with 
                                             In addition to the minimum payment, you may pay all or
      your Card beyond your rights described in the �Billing 
                                             part of the total balance on your Account. But, you must 
      Rights Summary� on your Statement. 
                                             still pay at least the minimum payment amount each
      Lost or Stolen Card                    month, even if you paid more than the minimum payment
      If your Card is lost or stolen or if you think someone  due on the previous Statement. We will continue to charge 
      else may be using your Card or Account number without   Interest Charges during Billing Cycles when you carry a
      your permission, you must contact Customer Service  balance regardless of whether your Statement includes 
      immediately. You will not be responsible for transactions on   a minimum payment that is due. If your Account is 180 
      your Account that we find are unauthorized.   days past due, is part of a bankruptcy proceeding, or is 
                                             otherwise charged off, the total balance is immediately due 
      If we reimburse you for unauthorized transactions, you will  
                                             and payable. 
      help us investigate, pursue and get reimbursement from the  
      wrongdoer. Your help includes giving us documents in a form    Making Payments
      that we request.                       Your payment must be made in U.S. dollars from a U.S. 
      Interest Charges and Fees              deposit account in a form acceptable to us. We do not 
                                             accept cash payments through the mail. You may not 
      We will charge Interest Charges and Fees to your Account   
                                             make payments with funds from your Account or any
      as disclosed on your Statement and other Truth-in-Lending 
                                             other credit account with us or any other company in the
      Disclosures. In general, Interest Charges begin to accrue
                                             Capital One organization. You must send mailed payments 
      from the date of a purchase. However, we will not charge   
                                             to us as instructed on your Statement, unless we tell you   
      you interest on any new purchases posted to your Account   
                                             otherwise. 
      if you paid the total balance of your Account in full by the
      due date on your Statement each month.   Other Payment Services
      If you have a Same as Cash, Waived Interest Charge or   We may make services available that allow you to make  
      Reduced Rate Credit Plan balance and the promotional   faster or recurring payments online or by telephone. We  
      period does not expire before your payment due date,  will describe the terms for using these services and any    
      we will exclude that promotional plan balance from the   applicable Fee before you use them. You do not have to use  
      amount you must pay in full to avoid Interest Charges on  these other payment services. 
      new non-promotional purchases. However, you must still   We are not responsible if your financial institution rejects a 
      make any required payment on that excluded promotional  payment made using our payment services. 
      balance.  Additionally, during the last two full Billing Cycles   
                                             If you ask someone else to make a payment for you, we  
      prior to expiration of any Same as Cash Credit Plan, in 
                                             may provide that person with limited Account information   
      order to continue to avoid interest on new non-promotional
                                             necessary to set up and process that payment. We may  
      purchases, you must also add payment in full of any such
                                             also refuse to accept that payment. If we do accept it, you   
      remaining Same as Cash Credit Plan balance. 
                                            2 
      will be responsible for that payment even if a financial    Account Default 
      institution rejects it.                You will be in default if: 
      Payment Processing                     (1) you do not make any payment when it is due;  
      We may accept and process payments without losing   (2) any payment you make is rejected, not paid or cannot  
      any of our rights. We may delay the availability of credit   be processed;
      until we confirm that your payment has cleared. This   (3) you exceed a credit limit;  
      may happen even if we credit your payment to your (4) you ?le or become the subject of a bankruptcy or ? 
      Account. We may resubmit and collect returned payments   insolvency proceeding;
      electronically. If necessary, we may adjust your Account to   (5) you are unable or unwilling to repay your obligations,  
      correct errors, process returned and reversed payments  including upon death or legally declared incapacity;
      and handle similar issues.             (6) we determine that you made a false, incomplete or  
                                               misleading statement to us, or you otherwise tried to
      When you send us an Item as payment, you authorize
                                               defraud us; or 
      us to make a one-time electronic fund transfer from your
                                             (7) you do not comply with any term of this Agreement or   
      deposit account. You also authorize us to process the 
                                               any other agreement with us. 
      payment as an Item. We may withdraw the funds from 
      your deposit account as early as the same day we receive  If you are in default, we may take certain actions with 
      your payment. You will not receive your Item back from   respect to your Account. For example, depending on 
      your bank. We will provide additional information about this   the default, we may take the following actions, without 
      process on your Statement.             notifying you, unless the law says that we must give you
                                             notice: 
      We may use the information from an Item to create an 
      electronic image. We may collect and return the image   (1) charge you Fees, or change the APRs and Fees on   
      electronically. This electronic image may also be converted   your Account, if provided in your Truth-in-Lending 
      to a substitute check and may be processed in the same  Disclosures; 
      way we would process an Item. We will not be responsible   (2) close or suspend your Account;   
      if an Item you provide has physical features that when  (3) lower your credit limit(s);  
      imaged result in it not being processed as you intended.   (4) demand that you immediately pay the total balance  
                                               owing on your Account; 
      How We Apply Your Payments
                                             (5)  continue to charge you Interest Charges and Fees as    
      In each Billing Cycle, we generally apply payments up to 
                                               long as your balance remains outstanding; and/or
      your minimum payment amount to satisfy the minimum
                                            (6) ?le a lawsuit against you, or pursue another action that ? 
      payment due on each Credit Plan, first to the lowest APR 
                                              is not prohibited by law. If we ?le a lawsuit, you agree to 
      Credit Plan balance and then to higher APR Credit Plan   
                                               pay our court costs, expenses and attorney fees, unless
      balances. We apply any part of your payment exceeding 
                                               the law does not allow us to collect these amounts. 
      your minimum payment to the balance with the highest 
      APR, and then to balances with lower APRs. We do this   Communications 
      based on the APRs in effect and balances owed on the   You agree that we may communicate with you by mail, 
      day your preceding Billing Cycle ended.   telephone, email, fax, prerecorded message, automated 
                                             voice, text message or other means allowed by law 
      If your Account has a Same as Cash Credit Plan balance, 
                                             regarding your Account. 
      we will treat that balance as having a 0% APR for this 
      purpose, until the last two Billing Cycles of the promotional  You agree that we may contact you at any telephone 
      period. During the last two full Billing Cycles of the   number (including a mobile telephone number that you 
      promotional period, we will apply payments exceeding the   provide us), and use an automated telephone dialing 
      minimum payment to the Same as Cash Credit Plan(s)    system or similar device to do so. You agree that we may 
      that is expiring, in the order of expiration date.   monitor or record any conversation or other communication 
                                             with you. 
      Items with Restrictive Words, Conditions,   
      or Instructions                        Credit Reports
      You must mail all Items bearing restrictive words,  We may report information about your Account to credit 
      conditions, limitations or special instructions to:   bureaus and others. Late payments, missed payments or
                                             other defaults on your Account may be reflected in your
      Capital One
                                             credit report. Information we provide may appear on your
      PO Box 1330 
                                             and the Authorized Users� credit reports. 
      Charlotte, NC 28201-1330 
                                             If you believe that we have reported inaccurate information 
      This includes Items marked �Paid in Full� or similar 
                                             about your Account to a credit bureau or other consumer 
      language. This also includes all accompanying 
                                             reporting agency, notify us in writing at PO Box 30258, 
      communications. 
                                             Salt Lake City, UT 84130-0258. When you write, tell us the 
      If you make such a payment or send any accompanying   specific information that you believe is incorrect and why
      communications to any other address, we may reject it   you believe it is incorrect. 
      and return it to you. We may also accept it and process it   
                                             We may obtain and use credit, income and other 
      without losing any of our rights. 
                                             information about you from credit bureaus and others as
      Credit Balances                        the law allows. 
      We may reject and return any payment that creates or 
                                             Closing or Suspending Your Account
      adds to a credit balance on your Account. Any credit 
                                             You may contact Customer Service to ask us to close   
      balance we allow will not be available until we confirm that 
                                             your Account. 
      your payment has cleared. We may reduce the amount of 
      any credit balance by any new charges. You may write to   We may close or suspend your Account at any time and for  
      the address provided on your Statement or call Customer   any reason permitted by law, even if you are not in default. 
      Service to request a refund of any available credit balance. 
                                            3 
      If we close or suspend your Account for any reason,     Glossary
      you must stop using your Card. You must also cancel all     � �Account� means your Card Account with us.   
      billing arrangements set up on the Account. If we close or   
                                             � �Authorized User� means a person who may use   
      permanently suspend your Account, you must return or  
                                              the Card but is not responsible for the repayment of  
      destroy all Cards. You must still pay us all amounts you owe   
                                              the Account.
      on the Account. 
                                             �  �Billing Cycle� means the period of time re?ected   ? 
      Changes to Your Agreement
                                              on a Statement. This period may vary in length, but is  
      At any time, we may add, delete or change any term of 
                                              approximately 30 days. You will have a Billing Cycle even if  
      this Agreement, unless the law prohibits us from doing so. 
                                              a Statement is not required. We will often specify a Billing  
      We will give you notice of any changes as required by law. 
                                              Cycle by the month in which its closing date occurs. For  
      We may notify you of changes on your Statement or in a 
                                              example, a �March Billing Cycle� will have a closing date  
      separate notice. Our notice will tell you when and how the
                                              in March. We may also refer to a Billing Cycle as a �Billing  
      changes will take effect. The notice will describe any rights 
                                              Period�. If your Account balance has charged off, we may  
      you have in connection with the changes. 
                                              switch to quarterly Billing Cycles for your Account.
      Your variable APRs (if applicable) can go up or down as 
                                             � �Card� means any Capital One credit card associated  
      the index for the rate goes up or down. If we increase your 
                                              with your Account. This includes all renewals and
      APRs for any other reason, or if we change your Fees or 
                                              substitutions. It also means any other access device for
      other terms of your Account, we will notify you as required 
                                              your Account we give you that allows you to obtain credit,
      by law. 
                                              including any Account number.
      The Law That Applies to Your Agreement
                                             � �Credit Plans� mean the different parts of your Account   
      We make decisions to grant credit and issue you a Card   
                                              we may establish that are subject to unique APRs, pricing
      from our offices in Virginia. This Agreement is governed 
                                              or other terms. The sum of your Credit Plan balances
      by applicable federal law and by Virginia law. If any part of 
                                              equals your total Account balance.
      this Agreement is unenforceable, the remaining parts will 
      remain in effect.                      � �Fees� mean charges imposed on your Account not  
                                              based on the Annual Percentage Rates.
      Waiver 
                                             � �Interest Charges� mean any charges to your Account   
      We will not lose any of our rights if we delay or choose not 
                                              based on the application of Annual Percentage Rates.
      to take any action for any reason. We may waive our right 
      without notifying you. For example, we may waive your  � �Item� means a check, draft, money order or other  
      Interest Charges or Fees without notifying you and without  negotiable instrument you use to pay your Account. This
      losing our right to charge them in the future.   includes any image of these instruments. This does not
                                              include an Access Check.
      Assignment
      This Agreement will be binding on, and benefit, any of your   � �Statement� means a document showing important  
      and our successors and assigns. You may not sell, assign   Account information, including all transactions billed to
      or transfer your Account or this Agreement to someone   your Account during a Billing Cycle and information about
       else without our written permission.   what you must pay. We may also refer to your Statement  
                                              as a �Periodic Statement� or a �Billing Statement�.
       We may sell, assign or transfer your Account and this 
      Agreement without your permission and without prior   � �Truth-in-Lending Disclosures� means disclosures  
      notice to you. Any assignee or assignees will take our   that the federal Truth in Lending Act and Regulation Z
      place under this Agreement. You must pay them and   require for any Account. This includes your application
      perform all of your obligations to them and not us. If you   and solicitation disclosures, Account opening disclosures,
      pay us after we notify you that we have transferred your  subsequent disclosures, Statements and change in terms
      Account or this Agreement, we can return the payment to   notices.
      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.
   
       BR262481  M-111185                   4