�
     Credit Card Agreement for Lord & Taylor 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    25.74%. 
      (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 new purchases, provided you have paid your previous balance in full by the due
                        date each month. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      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 22.24 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 
      Welcome to Capital One                We may also increase, decrease, restrict or cancel your credit 
      This credit card is issued by Capital One, N.A., and may   limit at any time. This will not affect your obligation to pay us. 
      be used at participating retail locations that accept the   Using Your Account 
      Card. This Customer Agreement including any changes to 
                                             (1) This Agreement applies whether or not you use your   
      it (�Agreement�) contains the terms of your agreement with 
                                               Card or Account. It will continue to apply even after your 
      Capital One. 
                                               Account is closed, as long as you have a balance. 
      De?nitions                             (2) You must sign the Card immediately when you receive it.   
      The meanings of the terms you see in italics appear in the   (3) You must return the Card to us or destroy it if we ask you to.   
      Glossary section at the end of this Agreement.   (4) You must take reasonable steps to prevent the   
                                               unauthorized use of your Card and Account. 
      As used here, �you� and �your� mean each applicant and   
                                             (5) We may decline to authorize a transaction for any reason.    
      co-applicant for the Account; any person responsible for 
                                               This may occur even if the transaction would not cause you   
      paying the Account; and any person responsible for complying 
                                               to go over your credit limit or your Account is not in default. 
      with this Agreement. �We,� �us,� �our,� and �Capital One� 
                                             (6) We are not responsible for any losses you incur if we do   
      mean Capital One, National Association; and its agents, 
                                               not authorize a transaction. 
      authorized representatives, successors, and assignees. 
                                             (7) We are not responsible for any losses you incur if anyone   
      Account Documents                        refuses to accept your Card for any reason. 
      The following documents govern your Account with us:   (8) You must not use, or try to use, the Card for any illegal   
                                               activity. You are responsible for any charges if you do. 
      (1) this Agreement;   
                                             (9) We are not liable for any losses that may result when our    
      (2)   all  Statements;   
                                               services are unavailable due to reasons beyond our control. 
      (3) any privacy notices; 
      (4) all disclosures and materials provided to you before or     Promotional Credit Plans 
         when you opened your Account;       From time to time, we may offer one or more promotional 
      (5) any other documents and disclosures relating to your     Credit Plans prior to or at the time of your purchase. Only 
         Account, including those provided online; and   certain purchases may be eligible for promotional Credit 
      (6) any future changes we make to any of the above.     Plans. These plans may have special repayment terms 
                                             and are conditioned on your timely payment of at least the 
      Please read these carefully and keep them for future reference. 
                                             required payment amount 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) Same As Cash / Monthly Payment Credit Plan - With this   
                                               plan, there are no Interest Charges on your purchase if 
      Account Information 
                                               you repay the full cash price of the purchase before the 
      We need information about you to manage your Account. This 
                                               promotional expiration date shown on your Statement. 
      includes: 
                                               If you do not repay in full by the promotional expiration 
      (1) your legal name;                     date, Interest Charges will be imposed on the promotional 
      (2) a valid U.S. or Canada mailing address and residential     purchase from the purchase date. 
         address (if different); 
                                             (3) Reduced Rate Credit Plan - With this plan, you will   
      (3) your date of birth;   
                                               receive a reduced Annual Percentage Rate (APR) on your 
      (4) your Social Security number or other government   
                                               purchase for a speci?ed period. 
         identi?cation number; 
                                             Authorized Users 
      (5) your telephone number(s); and   
      (6) your employment and income information.     If you ask us to issue a Card to any other person, they are an   
                                             Authorized User. We may require certain information about them.   
      You must tell us when this information changes. We may 
                                             We may limit their ability to use your Card. They may have access   
      ask you for additional documents to verify any changes. We 
                                             to certain information about your Account. You will be responsible   
      may restrict or close your Account if we cannot verify your 
                                             for their use of the Account and anyone else they allow to use   
      information, or if you do not provide it as requested. 
                                             your Account, even if you did not want, or agree to, that use. 
      Credit Limits 
                                             Removing an Authorized User 
      When you open your Account, we will tell you your credit limit. 
                                             If you want to remove an Authorized User from your Account, 
      This will also appear on your Statement. We may also refer to 
                                             you must contact Customer Service and request their removal.   
      your credit limit as your credit line. 
                                             You also must immediately destroy all Cards in their possession   
      You are responsible for keeping track of your balance and   and cancel any arrangements they may have set up on your   
      your available credit. You must manage your Account to   Account. They will be able to use your Account until you have   
      remain below your credit limit. We may honor transactions   noti?ed us that you are removing them from your Account. 
      above your credit limit, but if we do, these transactions will not   During this time, you will still be responsible for all amounts   
      increase your credit limit. You are responsible for paying for   they charge to your Account. You will be responsible even if   
      any transaction you make above your credit limit.   these amounts do not appear on your Account until later. 
                                            1 
      Authorized Users may remove themselves from your Account    does not expire before your payment due date, we will exclude 
      upon request. We reserve the right to remove them from your   that promotional plan balance from the amount you must pay 
      Account for any reason. To remove them from your Account,   in full to avoid Interest Charges. However, you must still make 
      we may close your existing Account and issue a new Card with   any required payment on that excluded promotional balance. 
      a new Account number. 
                                             For Same as Cash plans, we will not charge you interest on 
      Your Promise to Pay                    your promotional purchase if you repay the full amount of the 
      You promise to pay us all amounts due on your Account. This   purchase before the expiration date shown on your Statement. 
      includes amounts where you did not sign a purchase slip or   If you do not repay the promotional purchase in full by the 
      other documents for the transaction. We will treat transactions   expiration date, Interest Charges will be imposed on the 
      made without presenting your actual Card (such as for mail,   promotional purchase from the date of the purchase. 
      telephone, Internet, or mobile device purchases) the same   
                                             We will generally treat Fees as purchase transactions unless 
      as if you used the Card in person. If you let someone else   
                                             otherwise speci?ed below. These Fees apply to your Account   
      use your Card, you are responsible for all transactions that 
                                             only if your Truth-in-Lending Disclosures provide for them. We 
      person makes. 
                                             may increase your Interest Charges and Fees as described in 
      Statements                             the Changes to Your Agreement section or in your Truth-in-
      We will generally send or make available to you one Statement     Lending Disclosures. 
      for all Cards on your Account at the end of each Billing Cycle.   Late Payment Fee 
      Under certain circumstances, the law may not require us to 
                                             We may charge you this Fee if we do not receive your payment 
      send or make available to you a Statement, or may prohibit us 
                                             as instructed on your Statement by the payment due date. 
      from doing so. 
                                             Returned Payment Fee 
      Disputed Transactions 
                                             We may charge you this Fee each time your ?nancial 
      You must inspect each Statement you receive. Tell us about 
                                             institution for any reason rejects a payment you make to us. 
      any errors or questions you have, as described in the �Billing 
                                             Minimum Payment 
      Rights Summary� on your Statement and other Truth-in-
      Lending Disclosures. If you do not notify us of an error, we will   You must pay us at least the minimum payment due by the 
      assume that all information on the Statement is correct.   payment due date. The minimum payment for your Account   
                                             includes the minimum payment due on each Credit Plan. Your 
      If we credit your Account for all or part of a disputed 
                                             Statement will tell you: 
      transaction, you give us all of your rights against others 
      regarding that transaction. You will also:   (1) the minimum payment due,   
                                             (2) your new balance,   
      (1) give us any information about the disputed transaction, if   
                                             (3) the payment due date, and   
         we ask; 
                                             (4) an explanation of when the payment must reach us for us   
      (2) not pursue any claim or reimbursement of the transaction   
                                               to consider it received as of that date. 
         amount from the merchant or any other person; and 
      (3) help us get reimbursement from others.     Returns and other credits to your Account will reduce your 
                                             Account balance, but they will not change your minimum 
      No Warranties 
                                             payment amount. 
      We are not responsible for any claim you may have regarding 
                                             In addition to the minimum payment, you may pay all or part 
      the purchase of goods or services made with your Card   
                                             of the total balance on your Account. But, you must still pay at 
      beyond your rights described in the �Billing Rights Summary� 
                                             least the minimum payment amount each month, even if you 
      on your Statement. 
                                             paid more than the minimum payment due on the previous 
      Lost or Stolen Card 
                                             Statement. We will continue to charge Interest Charges during 
      If your Card is lost or stolen or if you think someone else   Billing Cycles when you carry a balance regardless of whether 
      may be using your Card or Account number without your   your Statement includes a minimum payment that is due. If 
      permission, you must contact Customer Service immediately.   your Account is 180 days past due, is part of a bankruptcy 
      You will not be responsible for transactions on your Account     proceeding or is otherwise charged off, the total balance is 
      that we ?nd are unauthorized.          immediately due and payable. 
      If we reimburse you for unauthorized transactions, you will   Making Payments 
      help us investigate, pursue and get reimbursement from the 
                                             Your payment must be made in U.S. dollars from a U.S. 
      wrongdoer. Your help includes giving us documents in a form 
                                             deposit account in a form acceptable to us. We do not accept 
      that we request. 
                                             cash payments through the mail. You may not make payments 
      Interest Charges and Fees              with funds from your Account or any other credit account 
      We will charge Interest Charges and Fees to your Account     with us or any other company in the Capital One organization. 
      as disclosed on your Statement and other Truth-in-Lending   You must send mailed payments to us as instructed on your 
      Disclosures. In general, Interest Charges begin to accrue   Statement, unless we tell you otherwise. 
      from the date of a purchase. However, we will not charge you   Other Payment Services 
      interest on any new purchases posted to your Account if you 
                                             We may make services available that allow you to make faster 
      paid the total balance of your Account in full by the due date 
                                             or recurring payments online or by telephone. We will describe 
      on your Statement each month. 
                                             the terms for using these services and any applicable Fee   
      If you have a Same as Cash, Waived Interest Charge or   before you use them. You do not have to use these other 
      Reduced Rate Credit Plan balance and the promotional period   payment services. 
                                           2 
      We are not responsible if your ?nancial institution rejects a  Credit Balances 
      payment made using our payment services.   We may reject and return any payment that creates or adds to 
      If you ask someone else to make a payment for you, we   a credit balance on your Account. Any credit balance we allow 
      may provide that person with limited Account information   will not be available until we con?rm that your payment has 
      necessary to set up and process that payment. We may also   cleared. We may reduce the amount of any credit balance by 
      refuse to accept that payment. If we do accept it, you will be   any new charges. You may write to the address provided on 
      responsible for that payment even if a ?nancial institution   your Statement or call Customer Service to request a refund of 
      rejects it.                            any available credit balance. 
      Payment Processing                     Account Default 
      We may accept and process payments without losing any     You will be in default if: 
      of our rights. We may delay the availability of credit until we     (1) you do not make any payment when it is due;   
      con?rm that your payment has cleared. This may happen even     (2) any payment you make is rejected, not paid or cannot    
      if we credit your payment to your Account. We may resubmit     be processed; 
      and collect returned payments electronically. If necessary, we     (3) you exceed a credit limit;   
      may adjust your Account to correct errors, process returned     (4) you ?le or become the subject of a bankruptcy or   
      and reversed payments, and handle similar issues.   insolvency proceeding; 
      When you send us an Item as payment, you authorize us to   (5) you are unable or unwilling to repay your obligations,   
      make a one-time electronic fund transfer from your deposit   including upon death or legally declared incapacity; 
      account. You also authorize us to process the payment as an   (6) we determine that you made a false, incomplete or   
      Item. We may withdraw the funds from your deposit account   misleading statement to us, or you otherwise tried to 
      as early as the same day we receive your payment. You will   defraud us; or 
      not receive your Item back from your bank. We will provide   (7) you do not comply with any term of this Agreement or any   
      additional information about this process on your Statement.   other agreement with us. 
      We may use the information from an Item to create an   If you are in default, we may take certain actions with respect 
      electronic image. We may collect and return the image   to your Account. For example, depending on the default, we 
      electronically. This electronic image may also be converted to   may take the following actions, without notifying you, unless 
      a substitute check and may be processed in the same way we   the law says that we must give you notice: 
      would process an Item. We will not be responsible if an Item     (1) charge you Fees, or change the APRs and Fees on your   
      you provide has physical features that when imaged result in it   Account, if provided in your Truth-in-Lending Disclosures; 
      not being processed as you intended.   (2) close or suspend your Account;   
      How We Apply Your Payments             (3) lower your credit limit(s);   
                                             (4) demand that you immediately pay the total balance owing   
      In each Billing Cycle, we generally apply payments up to your 
                                               on your Account; 
      minimum payment amount to satisfy the minimum payment 
                                             (5) continue to charge you Interest Charges and Fees as long   
      due on each Credit Plan, ?rst to the lowest APR Credit Plan   
                                               as your balance remains outstanding; and/or 
      balance and then to higher APR Credit Plan balances. We 
                                             (6) ?le a lawsuit against you, or pursue another action that is   
      apply any part of your payment exceeding your minimum 
                                               not prohibited by law. If we ?le a lawsuit, you agree to pay 
      payment to the balance with the highest APR, and then to 
                                               our court costs, expenses and attorney fees, unless the law 
      balances with lower APRs. We do this based on the APRs in 
                                               does not allow us to collect these amounts. 
      effect and balances owed on the day your preceding Billing 
      Cycle ended.                           Communications 
      If your Account has a Same as Cash Credit Plan balance, we   You agree that we may communicate with you by mail, 
      will treat that balance as having a 0% APR for this purpose,   telephone, email, fax, prerecorded message, automated   
      until the last two Billing Cycles of the promotional period.   voice, text message or other means allowed by law regarding 
      During the last two full Billing Cycles of the promotional   your Account. 
      period, we will apply payments exceeding the minimum   You agree that we may contact you at any telephone number 
      payment to the Same as Cash Credit Plan(s) that is expiring,   (including a mobile telephone number that you provide us), 
      in the order of expiration date.       and use an automated telephone dialing system or similar 
      Items with Restrictive Words, Conditions, or Instructions   device to do so. You agree that we may monitor or record any 
                                             conversation or other communication with you. 
      You must mail all Items bearing restrictive words, 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 credit 
                                             report. Information we provide may appear on your and the 
      This includes Items marked �Paid in Full� or similar language. 
                                             Authorized Users� credit reports. 
      This also includes all accompanying communications. 
                                             If you believe that we have reported inaccurate information about   
      If you make such a payment or send any accompanying 
                                             your Account to a credit bureau or other consumer reporting   
      communications to any other address, we may reject it and 
                                             agency, notify us in writing at PO Box 30258, Salt Lake City, UT   
      return it to you. We may also accept it and process it without 
                                             84130-0258. When you write, tell us the speci?c information that   
      losing any of our rights. 
                                             you believe is incorrect and why you believe it is incorrect. 
                                            3 
      We may obtain and use credit, income and other information   Glossary 
      about you from credit bureaus and others as the law allows.   � �Account� means your Card Account with us.   
      Closing or Suspending Your Account     � �Authorized User� means a person who may use the Card   
      You may contact Customer Service to ask us to close     but is not responsible for the repayment of the Account.
      your Account. 
                                             �  �Billing Cycle� means the period of time re?ected on  
      We may close or suspend your Account at any time and for   a Statement. This period may vary in length, but is
      any reason permitted by law, even if you are not in default.   approximately 30 days. You will have a Billing Cycle even if
                                              a Statement is not required. We will often specify a Billing
      If we close or suspend your Account for any reason, 
                                              Cycle by the month in which its closing date occurs. For
      you must stop using your Card. You must also cancel all 
                                              example, a �March Billing Cycle� will have a closing date
      billing arrangements set up on the Account. If we close or 
                                              in March. We may also refer to a Billing Cycle as a �Billing
      permanently suspend your Account, you must return or 
                                              Period�. If your Account balance has charged off, we may
      destroy all Cards. You must still pay us all amounts you owe 
                                              switch to quarterly Billing Cycles for your Account.
      on the Account. 
                                             � �Card� means any Capital One credit card associated with  
      Changes to Your Agreement 
                                              your Account. This includes all renewals and substitutions.
      At any time, we may add, delete or change any term of this 
                                              It also means any other access device for your Account  
      Agreement, unless the law prohibits us from doing so. We 
                                              we give you that allows you to obtain credit, including any
      will give you notice of any changes as required by law. We 
                                              Account number.
      may notify you of changes on your Statement or in a separate 
      notice. Our notice will tell you when and how the changes will   � �Credit Plans� mean the different parts of your Account we  
      take effect. The notice will describe any rights you have in   may establish that are subject to unique APRs, pricing or
      connection with the changes.            other terms. The sum of your Credit Plan balances equals
                                              your total Account balance.
      Your variable APRs (if applicable) can go up or down as the 
      index for the rate goes up or down. If we increase your APRs   � �Fees� mean charges imposed on your Account not based  
      for any other reason, or if we change your Fees or other terms   on the Annual Percentage Rates.
      of your Account, we will notify you as required by law. 
                                             � �Interest Charges� mean any charges to your Account   
      The Law That Applies to Your Agreement   based on the application of Annual Percentage Rates.
      We make decisions to grant credit and issue you a Card from     � �Item� means a check, draft, money order or other  
      our of?ces in Virginia. This Agreement is governed by applicable     negotiable instrument you use to pay your Account. This
      federal law and by Virginia law. If any part of this Agreement is     includes any image of these instruments. This does not
      unenforceable, the remaining parts will remain in effect.   include an Access Check.
      Waiver                                 � �Statement� means a document showing important  
      We will not lose any of our rights if we delay or choose not   Account information, including all transactions billed to your
      to take any action for any reason. We may waive our right   Account during a Billing Cycle and information about what
      without notifying you. For example, we may waive your Interest   you must pay. We may also refer to your Statement as a
      Charges or Fees without notifying you and without losing our   �Periodic Statement� or a �Billing Statement�.
      right to charge them in the future. 
                                             � �Truth-in-Lending Disclosures� means disclosures that the  
      Assignment                              federal Truth in Lending Act and Regulation Z require for
      This Agreement will be binding on, and bene?t, any of your   any Account. This includes your application and solicitation
      and our successors and assigns. You may not sell, assign   disclosures, Account opening disclosures, subsequent
      or transfer your Account or this Agreement to someone else   disclosures, Statements, and change in terms notices.
      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.
   
       BR283637  M-114240                   4