�
     Credit Card Agreement for Saks World 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 September 30, 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   19.24% - 21.24%. 
      (APR) for Purchases 
                        This APR will vary with the market based on the Prime Rate. 
      APR for Balance    19.24% - 21.24%. 
      Transfers 
                        This APR will vary with the market based on the Prime Rate. 
      APR for Cash Advances  25.49%. 
                        This APR will vary with the market based on the Prime Rate. 
      Penalty APR and    30.24%. 
      When It Applies 
                        This APR will vary with the market based on the Prime Rate. 
                        This APR may be applied to your account if you make a late payment. 
                        How Long Will the Penalty APR Apply? If APRs are increased for a payment that is late, the 
                        Penalty APR may apply inde?nitely unless you make six consecutive minimum payments on 
                        time following the rate increase. 
      Paying Interest  Your due date is at least 25 days after the close of each billing cycle. We will not charge 
                        interest on new purchases, provided you have paid your previous balance in full by the due
                        date each month. We will begin charging interest on cash advances and special transfers on 
                        the transaction date. 
      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   Either $15 or 3% of the amount of each Balance Transfer, whichever is greater.
      � Cash Advance Fee   Either $15 or 3% of the amount of each cash advance, whichever is greater.
      � Foreign Transaction Fee   None. 
      Penalty Fees 
      � Late Payment    Up to $35.
      � 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 15.74 to 17.74 percentage points for the Standard Rate and a �Spread� of  
    26.74 percentage points for the Penalty Rate. Any changes in the Prime Rate will take effect on the ?rst day of your billing cycle  
     beginning in the next month. 
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              � 
                 Capital One Customer Agreement 
     Welcome to Capital One                  notice is required by law, and we may limit or take away the 
     Thank you for opening a credit card account with us.     credit available for Cash Advances. You can ?nd your current 
     This Customer Agreement, including any changes to it   revolving credit line on your Statement. We may not authorize 
     (�Agreement�), contains the terms of your agreement with  transactions in excess of your revolving credit line. We may 
     Capital One.                            consider each transaction that may cause you to exceed your
                                             revolving credit line based on several factors, including your
     Interaction with your Store Account 
                                             performance on this Account and other credit accounts you
     Your transactions with retailers other than Saks Fifth   have with us and your performance with other creditors. If we
     Avenue will be governed by the terms of this Agreement.   do authorize transactions in excess of your revolving credit
     Any transactions you make at retailers operated by Saks  line, they will be subject to this Agreement. They will not 
     Fifth Avenue will continue to be governed by your Saks Fifth   result in an increase of your revolving credit line. 
     Avenue store credit card account terms and its customer 
                                             Using Your Account
     agreement. You must have an open Saks Fifth Avenue 
     private label account to remain eligible for this Saks Fifth  (1) This Agreement applies whether or not you use your   
     Avenue MasterCard account. If your private label account is   Card or Account. It will continue to apply even after your
     closed for any reason, this Saks Fifth Avenue MasterCard   Account is closed, as long as you have a balance.
     account will be closed.                  (2) You must sign the Card immediately when you receive it.  
                                              (3) You must return the Card to us or destroy it if we ask 
   
     De?nitions 
                                                you to.

     The meanings of the terms you see in italics appear in the  (4) You must take reasonable steps to prevent the 
   
     Glossary section at the end of this Agreement.   unauthorized use of your Card, Access Checks
    
     As used here, �you� and �your� mean each applicant and co-  and Account.

     applicant for the Account; any person responsible for paying  (5) We may decline to authorize a transaction for any   
     the Account; and any person responsible for complying with  reason. This may occur even if the transaction would not 
     this Agreement. �We�, �us�, �our� and �Capital One� mean   cause you to go over your credit limit or your Account is 
     Capital One, National Association and its agents, authorized   not in default.
     representatives, successors and assignees.     (6) We are not responsible for any losses you incur if we do   
                                                not authorize a transaction.
     Account Documents                       (7) We are not responsible for any losses you incur if 
  
     The following documents govern your Account with us:   anyone refuses to accept your Card for any reason.

                                              (8) Unless we tell you otherwise, we will bill each transaction  
     (1)  this  Agreement;  
                                                to the applicable Segment of your Account. We will apply 
     (2)  all  Statements;   
                                                it against your available credit for that Segment.
     (3) any rewards program terms, conditions and disclosures;  
                                             (9) You may obtain Balance Transfers and Cash Advances    
     (4) any privacy notices;
                                                as permitted for your Account. You may not use these to 
     (5)  your  Card bene?ts brochure, which describes bene?ts   
                                                pay any amount you owe us or any other company in the
       provided by the Payment Card Network for your Account; 
                                                Capital One organization.
     (6) all disclosures and materials provided to you before or  
                                             (10) You must not use, or try to use, the Card for any illegal    
       when you opened your Account; 
                                                activity. You are responsible for any charges if you do.
     (7) any other documents and disclosures relating to your  
                                             (11) We are not liable for any losses that may result when our     
       Account, including those provided online; and
                                                services are unavailable due to reasons beyond  
     (8) any future changes we make to any of the above.   
                                                our control. 
     Please read these carefully and keep them for  
                                             Rewards 
     future reference. 
                                             Your Account may provide you with the opportunity to earn
     New Offers 
                                             rewards. If it does, we will separately provide you with
     In the future, we may provide you with new offers that we   information and terms about the rewards. 
     think may interest you. The terms of these offers may differ 
                                             Access Checks 
     from the standard terms on your Account. This Agreement 
     will still apply.                       We may provide you with Access Checks. If we do, we will 
                                             tell you at the time if we consider them purchases, Cash 
     Account Information 
                                             Advances or Balance Transfers. 
     We need information about you to manage your Account. 
                                             Only the person we designate may use Access Checks. You 
     This includes: 
                                             may not use them to pay any amount you owe us or any
     (1) your legal name,                    other company in the Capital One organization. We may 
     (2) a valid U.S. mailing address and residential address     reject and not pay any Access Check if: 
       (if different),
                                             (1)  your  Account is past due, charged off, bankrupt, lost/  
     (3) your date of birth,  
                                               stolen or closed; 
     (4) your Social Security number or other government  
                                             (2) we suspect fraud;  
       identi?cation number, 
                                             (3) your Account is over the revolving credit line; or  
     (5) your telephone number(s), and  
                                             (4) the check has expired, is damaged or cannot otherwise  
     (6) your employment and income information.   
                                               be processed. 
     You must tell us when this information changes. We may 
                                             Our liability if we do not pay an Access Check will never be 
     ask you for additional documents to verify any changes. We 
                                             more than (1) your actual damages or (2) the amount of the
     may restrict or close your Account if we cannot verify your
                                             Access Check, whichever is less. 
     information, or if you do not provide it as requested. 
                                             Use of an Access Check is not the same as using your Card. 
     Your Revolving Credit Line and Spending
                                             When you use an Access Check, you will have fewer rights
     We will tell you your initial revolving credit line when you open 
                                             to dispute merchant transactions than with uses of your Card.
     your Account. We may increase or decrease your revolving 
                                             Please see the �Billing Rights Summary� on your Statement  
     credit line at any time without prior notice to you, unless 
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     and your other Truth-in-Lending Disclosures for more  Disputed Transactions
     information.                            You must inspect each Statement you receive. Tell us about 
     Stopping Payment of Access Checks       any errors or questions you have, as described in the �Billing
                                             Rights Summary� on your Statement and other Truth-in-
     You may request a stop payment on any Access Check by
                                             Lending Disclosures. If you do not notify us of an error, we 
     contacting Customer Service. 
                                             will assume that all information on the Statement is correct. 
     We will have a reasonable amount of time after your stop 
                                             If we credit your Account for all or part of a disputed
     payment request to research and complete the stop payment.
                                             transaction, you give us all of your rights against others
     We will not be responsible if we cannot complete the stop 
                                             regarding that transaction. You will also: 
     payment. Reasons include: 
                                             (1) give us any information about the disputed transaction, if  
     (1) the Access Check was already paid;  
                                               we ask; 
     (2) you do not give us the information we asked for; or  
                                             (2) not pursue any claim or reimbursement of the transaction  
     (3) the information you gave us was incorrect.   
                                               amount from the merchant or any other person; and
     We do not have to release the stop payment order unless   (3) help us get reimbursement from others.   
     the account holder who made the request asks us to. If we
                                             No Warranties 
     re-credit your Account after a valid stop payment order, you 
     give us all of your rights against the payee or other holder of  We are not responsible for any claim you may have regarding 
     the paid Access Check. You also agree to help us in any legal   the purchase of goods or services made with your Card   
     action we may later take against the payee or other holder of  beyond your rights described in the �Billing Rights Summary� 
     the check.                              on your Statement. 
     Using a PIN                             Lost or Stolen Card 
     We may give you a personal identi?cation number (PIN). For   If your Card is lost or stolen or if you think someone else
     security reasons, you may have to provide the PIN before  may be using your Card or Account number without your
     you are able to use your Card.          permission, you must contact Customer Service immediately. 
                                             You will not be responsible for transactions on your Account   
     Keep your PIN secure. Do not write it down, give it to anyone
                                             that we ?nd are unauthorized. 
     or keep it with your Card. If you lose your Card or believe the 
     con?dentiality of your PIN has been compromised for any  If we reimburse you for unauthorized transactions, you will
     reason, you must contact Customer Service immediately.   help us investigate, pursue and get reimbursement from the
                                             wrongdoer. Your help includes giving us documents in a form 
     Authorized Users 
                                             that we request. 
     If you ask us to issue a Card to any other person, they are an
                                             Interest Charges and Fees
     Authorized User. We may require certain information about 
     them. We may limit their ability to use your Card. They may   We will charge Interest Charges and Fees to your Account   
     have access to certain information about your Account. You   as disclosed on your Statement and other Truth-in-Lending 
     will be responsible for their use of the Account and anyone  Disclosures. In general, Interest Charges begin to accrue
     else they allow to use your Account, even if you did not want,  from the day a transaction occurs. However, we will not   
     or agree to, that use.                  charge you interest on any new transactions posted to the
                                             purchase Segment of your Account if you paid the total
     Removing an Authorized User
                                             balance across all Segments of your Account in full by the
     If you want to remove an Authorized User from your Account,   due date on your Statement each month. From time to time, 
     you must contact Customer Service and request their  we may give you offers that allow you to pay less than the 
     removal. You also must immediately destroy all Cards in their   total balance and avoid Interest Charges on new purchase
     possession and cancel any arrangements they may have set   Segment transactions. If we do, we will provide details in the
     up on your Account. They will be able to use your Account      speci?c offer. 
     until you have noti?ed us that you are removing them from 
                                             We will generally treat Fees as purchase transactions
     your Account. During this time, you will still be responsible
                                             unless otherwise speci?ed below. These Fees apply to your
     for all amounts they charge to your Account. You will be 
                                             Account only if your Truth-in-Lending Disclosures provide for
     responsible even if these amounts do not appear on your
                                             them. We may increase your Interest Charges and Fees as 
     Account until later. 
                                             described in the Changes to Your Agreement section or in 
     Authorized Users may remove themselves from your Account     your Truth-in-Lending Disclosures. 
     upon request. We reserve the right to remove them from your   
                                             Membership Fee
     Account for any reason. To remove them from your Account,   
     we may close your existing Account and issue a new Card     If your Account has a membership Fee, we may charge the
     with a new Account number.              ?rst membership Fee either on the day you activate your
                                             Card or on the day when you use your Account, whichever 
     Your Promise to Pay
                                             occurs ?rst. If your Account terms include a $0 introductory
     You promise to pay us all amounts due on your Account.   Fee, we may charge the ?rst Fee when the introductory
     This includes amounts where you did not sign a purchase  period ends. If it is an annual Fee, we may then charge it
     slip or other documents for the transaction. We will treat   approximately once per year. If it is a monthly Fee, we may
     transactions made without presenting your actual Card (such  charge it each Billing Cycle. 
     as for mail, telephone, Internet or mobile device purchases)
                                             Late Payment Fee
     the same as if you used the Card in person. If you let
     someone else use your Card, you are responsible for all  We may charge you this Fee if we do not receive your
     transactions that person makes.         payment as instructed on your Statement by the payment  
                                             due date. 
     Statements 
                                             Returned Payment Fee
     We will generally send or make available to you one 
     Statement for all Cards on your Account at the end of each   We may charge you this Fee each time your ?nancial  
     Billing Cycle. Under certain circumstances, the law may not  institution for any reason rejects a payment you make to us. 
     require us to send or make available to you a Statement, or   Stop Payment Fee
     may prohibit us from doing so. 
                                             We may charge you this Fee each time you ask us to (1) stop 
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     payment on an Access Check or (2) renew an existing stop  con?rm that your payment has cleared. This may happen even  
     payment order.                          if we credit your payment to your Account. We may resubmit  
                                             and collect returned payments electronically. If necessary, we  
     Cash Advance Fee 
                                             may adjust your Account to correct errors, process returned  
     We may charge you this Fee each time you take out a
                                             and reversed payments and handle similar issues. 
     Cash Advance. We will treat this Fee as a Cash Advance   
     transaction.                            When you send us an Item as payment, you authorize us to
                                             make a one-time electronic fund transfer from your deposit
     Balance Transfer Fee 
                                             account. You also authorize us to process the payment as an 
     We may charge you this Fee each time you make a Balance   Item. We may withdraw the funds from your deposit account 
     Transfer. We will charge the Fee to the Balance Transfer   as early as the same day we receive your payment. You will 
     Segment.                                not receive your Item back from your bank. We will provide 
     Transactions Made in Foreign Currencies  additional information about this process on your Statement. 
     If you make a transaction in a foreign currency, the Payment  We may use the information from an Item to create an 
     Card Network will convert it into a U.S. dollar amount. The   electronic image. We may collect and return the image 
     Payment Card Network will use its own currency conversion  electronically. This electronic image may also be converted 
     procedures. The conversion rate in effect on the processing   to a substitute check and may be processed in the same way
     date may differ from the rate in effect on the transaction   we would process an Item. We will not be responsible if an 
     date that appears on your Statement. We do not adjust the   Item you provide has physical features that when imaged
     currency exchange rate or charge any currency conversion  result in it not being processed as you intended. 
     Fees. 
                                             How We Apply Your Payments
     Minimum Payment                         Your Account may have Segments with different Annual 
     You must pay us at least the minimum payment amount by   Percentage Rates (APR). For example, purchases may
     the payment due date. Your Statement will tell you:   have a lower APR than Cash Advances. If your Account has 
                                             Segment balances with different APRs, here is how we apply 
     (1) the minimum payment due,  
                                             payments in a Billing Cycle: 
     (2) your new balance,  
     (3) the payment due date and            (1) We generally apply payments up to your minimum   
     (4) an explanation of when the payment must reach us for us    payment ?rst to the balance with the lowest APR, and 
       to consider it received as of that date.   then to balances with higher APRs.
                                             (2) We apply any part of your payment exceeding your   
     Returns and other credits to your Account will reduce your
                                               minimum payment to the balance with the highest APR, 
     Account balance, but they will not change your minimum 
                                               and then to balances with lower APRs. 
     payment amount. 
                                             We do this based on the APRs in effect and balances owed 
     In addition to the minimum payment, you may pay all or part  
                                             on the day your preceding Billing Cycle ended. 
     of the total balance on your Account. But, you must still pay at  
     least the minimum payment amount each month, even if you    Items with Restrictive Words, Conditions,   
     paid more than the minimum payment due on the previous    or Instructions 
     Statement. We will continue to charge Interest Charges during    You must mail all Items bearing restrictive words, conditions,
     Billing Cycles when you carry a balance regardless of whether     limitations or special instructions to: 
     your Statement includes a minimum payment that is due. If   
     your Account is 180 days past due, is part of a bankruptcy    Capital One
     proceeding, or is otherwise charged off, the total balance is    PO Box 1330 
     immediately due and payable.            Charlotte, NC 28201-1330 
     Making Payments                         This includes Items marked �Paid in Full� or similar language.
                                             This also includes all accompanying communications. 
     Your payment must be made in U.S. dollars from a U.S. 
     deposit account in a form acceptable to us. We do not   If you make such a payment or send any accompanying
     accept cash payments through the mail. You may not make   communications to any other address, we may reject it and
     payments with funds from your Account or any other credit  return it to you. We may also accept it and process it without   
     account with us or any other company in the Capital One  losing any of our rights. 
     organization. You must send mailed payments to us as 
                                             Credit Balances 
     instructed on your Statement, unless we tell you otherwise.   
                                             We may reject and return any payment that creates or adds 
     Other Payment Services                  to a credit balance on your Account. Any credit balance we 
     We may make services available that allow you to make   allow will not be available until we con?rm that your payment
     faster or recurring payments online or by telephone. We   has cleared. We may reduce the amount of any credit 
     will describe the terms for using these services and any  balance by any new charges. You may write to the address 
     applicable Fee before you use them. You do not have to use   provided on your Statement or call Customer Service to 
     these other payment services.           request a refund of any available credit balance. 
     We are not responsible if your ?nancial institution rejects a   Account Default 
     payment made using our payment services.   You will be in default if: 
     If you ask someone else to make a payment for you, we  (1) you do not make any payment when it is due;  
     may provide that person with limited Account information   (2) any payment you make is rejected, not paid or cannot be  
     necessary to set up and process that payment. We may also   processed;
     refuse to accept that payment. If we do accept it, you will be  (3) you ?le or become the subject of a bankruptcy or  
     responsible for that payment even if a ?nancial institution  insolvency proceeding;
     rejects it.                             (4) you are unable or unwilling to repay your obligations,  
     Payment Processing                        including upon death or legally declared incapacity;
                                             (5) we determine that you made a false, incomplete or  
     We may accept and process payments without losing any  
                                               misleading statement to us, or you otherwise tried to
     of our rights. We may delay the availability of credit until we   
                                               defraud us; or 
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     (6) you do not comply with any term of this Agreement or any    The Law That Applies to Your Agreement
       other agreement with us.              We make decisions to grant credit and issue you a Card   
     If you are in default, we may take certain actions with respect   from our of?ces in Virginia. This Agreement is governed by 
     to your Account. For example, depending on the default, we  applicable federal law and by Virginia law. If any part of this 
     may take the following actions, without notifying you, unless  Agreement is unenforceable, the remaining parts will remain
     the law says that we must give you notice:   in effect. 
     (1) charge you Fees, or change the APRs and Fees on your    Waiver 
       Account, if provided in your Truth-in-Lending Disclosures;   We will not lose any of our rights if we delay or choose not 
     (2) close or suspend your Account;      to take any action for any reason. We may waive our right 
     (3) lower your revolving credit line;    without notifying you. For example, we may waive your
     (4) demand that you immediately pay the total balance owing     Interest Charges or Fees without notifying you and without
       on your Account;                      losing our right to charge them in the future. 
     (5) continue to charge you Interest Charges and Fees as long  
                                             Assignment
       as your balance remains outstanding; and/or
                                             This Agreement will be binding on, and bene?t, any of your 
     (6) ?le a lawsuit against you, or pursue another action that is  
                                             and our successors and assigns. You may not sell, assign 
       not prohibited by law. If we ?le a lawsuit, you agree to pay 
                                             or transfer your Account or this Agreement to someone else 
       our court costs, expenses and attorney fees, unless the
                                             without our written permission. 
       law does not allow us to collect these amounts. 
                                             We may sell, assign or transfer your Account and this 
     Communications 
                                             Agreement without your permission and without prior notice
     You agree that we may communicate with you by mail, 
                                             to you. Any assignee or assignees will take our place under 
     telephone, email, fax, prerecorded message, automated
                                             this Agreement. You must pay them and perform all of your 
     voice, text message or other means allowed by law regarding 
                                             obligations to them and not us. If you pay us after we notify
     your Account. 
                                             you that we have transferred your Account or this Agreement, 
     You agree that we may contact you at any telephone number   we can return the payment to you, forward the payment to the
     (including a mobile telephone number that you provide us),  assignee or handle it in another way that is reasonable. 
     and use an automated telephone dialing system or similar
                                             Glossary
     device to do so. You agree that we may monitor or record any   
                                             � �Access  Check� means any check we send to you to  
     conversation or other communication with you. 
                                              access credit from your Account. We may also refer to   
     Credit Reports                           an Access Check as a �convenience check� or a �purchase
     We may report information about your Account to credit   check�. 
     bureaus and others. Late payments, missed payments or
                                             � �Account� means your Card Account with us.    
     other defaults on your Account may be re?ected in your credit
     report. Information we provide may appear on your and the  � �Authorized User� means a person who may use   
     Authorized Users� credit reports.        the Card but is not responsible for the repayment of  
                                              the Account. 
     If you believe that we have reported inaccurate information
     about your Account to a credit bureau or other consumer   � �Balance Transfer� means an amount posted to the  
     reporting agency, notify us in writing at PO Box 30258,   Balance Transfer Segment of your Account unless 
     Salt Lake City, UT 84130-0258. When you write, tell us the   otherwise described in your Truth-in-Lending Disclosures. 
     speci?c information that you believe is incorrect and why you  �  �Billing Cycle� means the period of time re?ected    
     believe it is incorrect.                 on a Statement. This period may vary in length, but is  
     You may contact Customer Service to ask us to close     approximately 30 days. You will have a Billing Cycle even if a   
     your Account.                            Statement is not required. We will often specify a Billing Cycle   
                                              by the month in which its closing date occurs. For example,  
     Closing or Suspending Your Account
                                              a �March Billing Cycle� will have a closing date in March. We   
     You may contact Customer Service to ask us to close     may also refer to a Billing Cycle as a �Billing Period�. If your  
     your Account.                            Account balance has charged off, we may switch to quarterly  
     We may close or suspend your Account at any time and for  Billing Cycles for your Account. 
     any reason permitted by law, even if you are not in default.   � �Card� means any Capital One credit card associated with   
     If we close or suspend your Account for any reason,     your Account. This includes all renewals and substitutions. 
     you must stop using your Card. You must also cancel all   It also means any other access device for your Account   
     billing arrangements set up on the Account. If we close or   we give you that allows you to obtain credit, including any
     permanently suspend your Account, you must return or  Account number. 
     destroy all Cards. You must still pay us all amounts you owe   � �Cash Advance� means a loan in cash or things we  
     on the Account.                          consider cash equivalents, including wire transfers,
     Changes to Your Agreement                traveler�s checks, money orders, foreign currency, lottery 
                                              tickets, gaming chips and wagers. We post Cash Advances   
     At any time, we may add, delete or change any term of this
                                              to the Cash Advance Segment of your Account and not to 
     Agreement, unless the law prohibits us from doing so. We 
                                              your purchase Segment. 
     will give you notice of any changes as required by law. We 
     may notify you of changes on your Statement or in a separate  � �Fees� mean charges imposed on your Account not based   
     notice. Our notice will tell you when and how the changes will  on the Annual Percentage Rates. 
     take effect. The notice will describe any rights you have in 
                                             � �Interest Charges� mean any charges to your Account    
     connection with the changes. 
                                              based on the application of Annual Percentage Rates. 
     Your variable APRs (if applicable) can go up or down as the 
                                             � �Item� means a check, draft, money order or other  
     index for the rate goes up or down. If we increase your APRs 
                                              negotiable instrument you use to pay your Account. This 
     for any other reason, or if we change your Fees or other 
                                              includes any image of these instruments. This does not 
     terms of your Account, we will notify you as required by law. 
                                              include an Access Check. 
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     � �Payment Card Network� means the network provider  
      displayed on your Card. This may be Visa Inc., MasterCard 
      International Incorporated or any other network provider. 
     � �Segments� means the different parts of your Account we   
      may establish that are subject to unique APRs, pricing or 
      other terms. We create these parts of your Account for such 
      things as your purchases, Balance Transfers and Cash 
      Advances. The sum of your Segment balances equals your
      total Account balance. 
     � �Statement� means a document showing important  
      Account information, including all transactions billed to your
      Account during a Billing Cycle and information about what 
      you must pay. We may also refer to your Statement as a 
      �Periodic Statement� or a �Billing Statement�. 
     � �Truth-in-Lending Disclosures� means disclosures that   
      the federal Truth in Lending Act and Regulation Z require for 
      any Account. This includes your application and solicitation 
      disclosures, Account opening disclosures, subsequent
      disclosures, Statements and change in terms notices. 
                                      � 2015 Capital One
 
                                 Capital One is a federally registered service mark.
   
     BR282197  M-113231                    5 
  SaksWorld_CCA_CFPB_Q3_2016.indd   6                                         9/30/16   10:23 AM