�
    Credit Card Agreement for Jordan�s Furniture 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   23.9%.   
       (APR) for Purchases 
     Penalty APR and      27.9%.   
       When It Applies 
       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 .06548% (corresponding 23.9% Annual   
    Percentage Rate). The Daily Periodic Rate for the Penalty Rate .07644% (corresponding 27.9% 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