Credit Card Agreement for Consumer Cards in Capital One, ® N.A.

There are two parts to this Credit Card Agreement: Capital One Pricing Information and the BASEBIT customer
Agreement. The Pricing Information shows a range of terms that includes both mail and online offers for Basebit
investment. The combination of terms that could apply to you will differ depending on the specific card offer and on your
creditworthiness at the time of application. Not all offers will contain introductory rates. The Customer Agreement contains
important information related to consumer credit cards issued by Capital One, N.A

CAPITAL ONE PRICING INFORMATION

Annual Percentage Rate Introductory rate of 0% for 10 months.
(APR) for Purchases Non-introductory rates between 6.4% and 16.5%.
Some Purchase APRs may vary with the market based on changes in the Prime Rate.
APR for Transfers Non-introductory rates between 10.9% and 14.9%.
Some Transfer APRs may vary with the market based on changes in the Prime Rate.
APR for Cash Advances 5.9%.
Cash Advance APRs may vary with the market based on changes in the Prime Rate.
Penalty APR and 9.4%.
When It Applies
Penalty APRs may vary with the market based on changes in 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 indefinitely.
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 $0.50.

Annual Fee $0.

Transaction Fees
• Cash AdvanceFee The greater of either $10 or 3% of the amount of each cash advance.
• Foreign TransactionFee None.
Capitalone Credit card
• Cost $1,500
• Logistics $500

How We Will Calculate Balances: We use a method called “average daily balance” (including new transactions). See How
Do You Calculate the Interest Charge? below for more details.
Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late payment.
THINGS YOU SHOULD KNOW ABOUT THIS CARD
Can You Change My Account Terms? We can change the terms of your account as permitted by law. When required, we
will send you notice before doing so.
How Do You Calculate Variable Rates? Variable rates may change when the Prime Rate changes. We calculate variable
rate by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of each month. If the
Journal is not published on that day, then see the immediately preceding edition. If Prime changes, your new rate will take
effect on your next billing period. If your offer discloses a variable rate that changes quarterly, your new rate will take effect on
the first day of your January, April, July, and October billing periods.
If the APR associated with an offer is variable, the APR will equal:
Non-introductory Purchase APR - Prime plus a margin between 10.65% and 21.65%.
Non-introductory Transfer APR - Prime plus a margin between 10.65% and 21.65%.
Cash Advance APR - Prime plus 21.65%.
Penalty APR - Prime plus 26.15%.
Any increase in the Prime rate may increase your Interest Charges and your Minimum Payment.
WhatAreTheDailyPeriodicRatesUsedToCalculateMyInterest?ThedailyperiodicrateforyourIntroductoryPurchase
APRwouldbe0%,Non-introductoryPurchaseAPRbetween.03808%and.06822%,Non-introductoryTransferAPRbetween
.03808% and .06822%, Cash Advance APR .06822%, and Penalty APR would be .08055%.
How Can IAvoid Paying Interest Charges? If you pay your statement’s “New Balance” in full by the due date, we will
not charge interest on any new transactions that post to the Purchase balance. If you have been paying your account
infullwithnointerestcharges,butthenyoudonotpayyournext“NewBalance”infull,wewillchargeinterestonthe
portion of the balance that you did not pay. For cash advances and special transfers, we will start charging interest on the
transaction date.
How Is The Interest Charge Applied? Interest charges accrue from the 1) date of the transaction, 2) date the transaction
is processed, or 3) first calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in
full. This means you may owe interest charges even if you pay the entire “New Balance” one month, but did not do so for
the previous month. Unpaid interest charges are added to the proper segment of your account. However, we reserve the
right to not assess interest charges at any time.
How Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new
transactions).Underthismethod,wefirstcalculateyourdailybalance;foreachsegment,1)takethebeginningbalanceand
addinnewtransactionsandtheperiodicinterestchargeonthepreviousday’sbalance,then2)subtractanypaymentsand
creditsforthatsegmentasofthatday.Theresultisthedailybalanceforeachsegment.However,ifyoupaidyourprevious month’s
balance in full (or if your balance was zero or a credit amount), new transactions which post to your purchase or
specialpurchasesegmentsarenotaddedtothedailybalances.Also,transactionsthataresubjecttoagraceperiodarenot added to
the dailybalances.
Next,tofindyourAverageDailyBalance:1)addthedailybalancestogetherforeachsegment,and2)dividethesumbythe number of days
in the billingcycle.
At the end of each billing cycle, we determine your Interest Charge as follows: 1) multiply your Average Daily Balance by
thedailyperiodicrate(APRdividedby365)forthatsegment,and2)multiplytheresultbythenumberofdaysinthebilling period. NOTE:
Due to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed.
© 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. Products and services offered
by Capital One, N.A. Capital One supports information privacy protection: see our website atwww.capitalone.com.
Capital One® CustomerAgreement
Welcome to Capital One
Thankyouforopeningacreditcardaccountwithus.
ThisCustomerAgreementincludinganychangestoit
(“Agreement”)containsthetermsofyouragreement
with CapitalOne.
Definitions
Themeaningsofthetermsyouseeinitalicsappearin
theGlossarysectionattheendofthisAgreement.
Asusedhere,“you”and“your”meaneachapplicant
and co-applicant for the Account; any person
responsibleforpayingtheAccount;andanyperson
responsibleforcomplyingwiththisAgreement.
“We,” “us,” “our,” and “Capital One” mean Capital
One, National Association; and its agents, authorized
representatives, successors, and assignees.
Account Documents
ThefollowingdocumentsgovernyourAccountwithus:
(1) thisAgreement;
(2) allStatements;
(3) any rewards program terms, conditions, anddisclosures;
(4) any privacynotices;
(5) your Card benefits brochure which describes
benefitsprovidedbythePaymentCardNetworkfor
yourAccount;
(6) alldisclosuresandmaterialsprovidedtoyoubefore
or when you opened yourAccount;
(7) anyotherdocumentsanddisclosuresrelatingtoyour
Account, including those provided online; and
(8) anyfuturechangeswemaketoanyoftheabove.
Pleasereadthesecarefullyandkeepthemfor
futurereference.
New Offers
In the future, we may provide you with new offers that
wethinkmayinterestyou.Thetermsoftheseoffersmay
differ from the standard terms on your Account. This
Agreement will stillapply.
Account Information
We need information about you to manage your
Account. This includes:
(1) your legalname;
(2) avalidU.S.mailingaddressandresidentialaddress
(ifdifferent);
(3) your date ofbirth;
(4) yourSocialSecuritynumberorothergovernment
identificationnumber;
(5) your telephone number(s);and
(6) your employment and incomeinformation.
Youmusttelluswhenthisinformationchanges.Wemay
askyouforadditionaldocumentstoverifyanychanges.
1
WemayrestrictorcloseyourAccountifwecannotverify
yourinformation,orifyoudonotprovideitasrequested.
Credit Limits
WhenyouopenyourAccount,wewilltellyouyourcredit
limits. These will also appear on your Statement. We
mayalsorefertoyourcreditlimitsasyourcreditlines.
Wemaygiveyoudifferentcreditlimitsforthedifferent
SegmentsofyourAccount.Forexample,youmayhave
one credit limit for purchases and a different one for
CashAdvances.
YouareresponsibleforkeepingtrackofyourSegment
balances and your available credit. You must manage
yourAccounttoremainbelowyourcreditlimits.Wemay
honortransactionsaboveyourcreditlimits,butifwedo
thesetransactionswillnotincreaseyourcreditlimit.You
areresponsibleforpayingforanytransactionyoumake
above your creditlimits.
Wemayalsoincrease,decrease,restrictorcancelyour
credit limit on any Segment at any time. This will not
affect your obligation to payus.
Using Your Account
(1) ThisAgreementapplieswhetherornotyouuseyour
Card or Account. It will continue to apply even after
yourAccountisclosed,aslongasyouhaveabalance.
(2) YoumustsigntheCardimmediatelywhenyou
receiveit.
(3) YoumustreturntheCardtousordestroyitifweask
youto.
(4) You must take reasonable steps to prevent the
unauthorizeduseofyourCard,AccessChecksand
Account.
(5) We may decline to authorize a transaction for any
reason.Thismayoccurevenifthetransactionwould
not cause you to go over your credit limit or your
Account is not indefault.
(6) Wearenotresponsibleforanylossesyouincurifwe do
not authorize atransaction.
(7) Wearenotresponsibleforanylossesyouincurif
anyonerefusestoacceptyourCardforanyreason.
(8) Unless we tell you otherwise, we will bill each
transaction to the applicable Segment of your
Account.Wewillapplyitagainstyouravailablecredit
for thatSegment.
(9) You may obtain Cash Advances and Transfers as
permittedforyourAccount.Youmaynotusetheseto
payanyamountyouoweusoranyothercompanyin the
Capital Oneorganization.
(10) You must not use, or try to use, the Card for any
illegalactivity.Youareresponsibleforanychargesif
youdo.
(11) Wearenotliableforanylossesthatmayresult
whenourservicesareunavailableduetoreasons
beyond ourcontrol.
Rewards
YourAccountmayprovideyouwiththeopportunityto
earnrewards.Ifitdoes,wewillseparatelyprovideyou
withinformationandtermsabouttherewards.
Access Checks
WemayprovideyouwithAccessChecks.Ifwedo,we
willtellyouatthetimeifweconsiderthempurchases,
Cash Advances or SpecialTransfers.
OnlythepersonwedesignatemayuseAccessChecks.
Youmaynotusethemtopayanyamountyouoweusor
anyothercompanyintheCapitalOneorganization.We
mayrejectandnotpayanyAccessCheckif:
(1) yourAccountispastdue,chargedoff,bankrupt,lost/
stolen orclosed;
(2) we suspectfraud;
(3) your Account is over the credit limit;or
(4) thecheckhasexpired,isdamagedorcannot
otherwise beprocessed.
OurliabilityifwedonotpayanAccessCheckwillnever
bemorethan(1)youractualdamagesor(2)theamount of
the Access Check, whichever isless.
UseofanAccessCheckisnotthesameasusingyour
Card.WhenyouuseanAccessCheck,youwillhave
fewer rights to dispute merchant transactions than
withusesofyourCard.Pleaseseethe“BillingRights
Summary”onyourStatementandyourotherTruth-in-
Lending Disclosures for moreinformation.
StoppingPaymentofAccessChecks
YoumayrequestastoppaymentonanyAccessCheck
by contacting Customer Service.
Wewillhaveareasonableamountoftimeafteryour
stoppaymentrequesttoresearchandcompletethe
stoppayment.Wewillnotberesponsibleifwecannot
completethestoppayment.Reasonsinclude:
(1) theAccessCheckwasalreadypaid;
(2) youdonotgiveustheinformationweaskedfor;or
(3) theinformationyougaveuswasincorrect.
Wedonothavetoreleasethestoppaymentorderunless
theaccountholderwhomadetherequestasksusto.
Ifwere-credityourAccountafteravalidstoppayment
order,yougiveusallofyourrightsagainstthepayeeor
otherholderofthepaidAccessCheck.Youalsoagreeto
helpusinanylegalactionwemaylatertakeagainstthe
payee or other holder of thecheck.
Using a PIN
Wemaygiveyouapersonalidentificationnumber(PIN).
Forsecurityreasons,youmayhavetoprovidethePIN
before you are able to use yourCard.
KeepyourPINsecure.Donotwriteitdown,giveit
toanyone,orkeepitwithyourCard.Ifyouloseyour
Card or believe the confidentiality of your PIN has
beencompromisedforanyreason,youmustcontact
Customer Serviceimmediately.
2
Authorized Users
If you ask us to issue a Card to any other person,
theyareanAuthorizedUser.Wemayrequirecertain
informationaboutthem.Wemaylimittheirabilitytouse
yourCard.Theymayhaveaccesstocertaininformation
aboutyourAccount.Youwillberesponsiblefortheiruse
oftheAccountandanyoneelsetheyallowtouseyour
Account,evenifyoudidnotwant,oragreeto,thatuse.
Removing an Authorized User
If you want to remove an Authorized User from your
Account,youmustcontactCustomerServiceandrequest
theirremoval.YoualsomustimmediatelydestroyallCards
intheirpossessionandcancelanyarrangementstheymay
havesetuponyourAccount.Theywillbeabletouseyour
Accountuntilyouhavenotifiedusthatyouareremoving
themfromyourAccount.Duringthistime,youwillstillbe
responsibleforallamountstheychargetoyourAccount.You
willberesponsibleeveniftheseamountsdonotappearon
your Account untillater.
Authorized Users may remove themselves from your
Accountuponrequest.Wereservetherighttoremove
themfromyourAccountforanyreason.Toremovethem
fromyourAccount,wemaycloseyourexistingAccount
andissueanewCardwithanewAccountnumber.
Your Promise to Pay
YoupromisetopayusallamountsdueonyourAccount.
Thisincludesamountswhereyoudidnotsignapurchase
sliporotherdocumentsforthetransaction.Wewilltreat
transactions made without presenting your actual Card
(such as for mail, telephone, Internet, or mobile device
purchases)thesameasifyouusedtheCardinperson.If
youletsomeoneelseuseyourCard,youareresponsible for
all transactions that personmakes.
Statements
We will generally send or make available to you one
Statement for all Cards on your Account at the end of
eachBillingCycle.Undercertaincircumstances,thelaw
may not require us to send or make available to you a
Statement,ormayprohibitusfromdoingso.
Disputed Transactions
YoumustinspecteachStatementyoureceive.Tellus
aboutanyerrorsorquestionsyouhave,asdescribed
inthe“BillingRightsSummary”onyourStatementand
otherTruth-in-LendingDisclosures.Ifyoudonotnotify
us of an error, we will assume that all information on the
Statement is correct.
If we credit your Account for all or part of a disputed
transaction,yougiveusallofyourrightsagainstothers
regarding that transaction. You willalso:
(1) giveusanyinformationaboutthedisputed
transaction, if weask;
(2) not pursue any claim or reimbursement of the
transactionamountfromthemerchantoranyother
person;and
(3) helpus get reimbursement fromothers.
No Warranties
We are not responsible for any claim you may have
regardingthepurchaseofgoodsorservicesmadewith
yourCardbeyondyourrightsdescribedinthe“Billing
Rights Summary” on yourStatement.
Lost or Stolen Card
IfyourCardislostorstolenorifyouthinksomeoneelse
maybeusingyourCardorAccountnumberwithoutyour
permission, you must contact Customer Service
immediately.
YouwillnotberesponsiblefortransactionsonyourAccount
thatwefindareunauthorized.
Ifwereimburseyouforunauthorizedtransactions,you
willhelpusinvestigate,pursueandgetreimbursement
from the wrongdoer. Your help includes giving us
documents in a form that werequest.
Interest Charges and Fees
WewillchargeInterestChargesandFeestoyourAccount
asdisclosedonyourStatementandotherTruth-in-Lending
Disclosures.Ingeneral,InterestChargesbegintoaccrue
from the day a transaction occurs. However, we will not
chargeyouinterestonanynewtransactionspostedtothe
purchase Segment of your Account if you paid the total
balanceacrossallSegmentsofyourAccountinfullby
theduedateonyourStatementeachmonth.Fromtime
totime,wemaygiveyouoffersthatallowyoutopayless
thanthetotalbalanceandavoidInterestChargesonnew
purchaseSegmenttransactions.Ifwedo,wewillprovide
details in the specificoffer.
We will generally treat Fees as purchase transactions
unlessotherwisespecifiedbelow.TheseFeesapplyto
yourAccountonlyifyourTruth-in-LendingDisclosures
provideforthem.WemayincreaseyourInterestCharges
andFeesasdescribedintheChangestoYourAgreement
sectionorinyourTruth-in-LendingDisclosures.
Membership Fee
IfyourAccounthasamembershipFee,wemaycharge
thefirstmembershipFeeeitheronthedayyouactivate
your Card or on the day when you use your Account,
whicheveroccursfirst.IfyourAccounttermsincludea
$0introductoryFee,wemaychargethefirstFeewhen
theintroductoryperiodends.IfitisanannualFee,we
maythenchargeitapproximatelyonceperyear.Ifitisa
monthlyFee,wemaychargeiteachBillingCycle.
Late Payment Fee
We may charge you this Fee if we do not receive
yourpaymentasinstructedonyourStatementbythe
payment duedate.
Returned Payment Fee
We may charge you this Fee each time your financial
institutionforanyreasonrejectsapaymentyoumaketous.
3
Stop Payment Fee
We may charge you this Fee each time you ask us to
(1)stoppaymentonanAccessCheckor(2)renewan
existing stop paymentorder.
Cash Advance Fee
WemaychargeyouthisFeeeachtimeyoutakeouta
CashAdvance.WewilltreatthisFeeasaCashAdvance
transaction.
Transfer Fee
WemaychargeyouthisFeeeachtimeyoumakea
Transfer.WewillchargetheFeetothesameSegment
where we post theTransfer.
Transactions Made in Foreign Currencies
If you make a transaction in a foreign currency, the
PaymentCardNetworkwillconvertitintoaU.S.dollar
amount. The Payment Card Network will use its own
currencyconversionprocedures.Theconversionrate
ineffectontheprocessingdatemaydifferfromtherate
ineffectonthetransactiondatethatappearsonyour
Statement.Wedonotadjustthecurrencyexchangerate
or charge any currency conversionFees.
Minimum Payment
Youmustpayusatleasttheminimumpaymentamount
bythepaymentduedate.YourStatementwilltellyou:
(1) the minimum paymentdue,
(2) your newbalance,
(3) the payment due date,and
(4) anexplanationofwhenthepaymentmustreachus
forustoconsideritreceivedasofthatdate.
ReturnsandothercreditstoyourAccountwillreduce
yourAccountbalance,buttheywillnotchangeyour
minimum paymentamount.
Inadditiontotheminimumpayment,youmaypay
allorpartofthetotalbalanceonyourAccount.But, you
must still pay at least the minimum payment
amounteachmonth,evenifyoupaidmorethanthe
minimumpaymentdueonthepreviousStatement.We
willcontinuetochargeInterestChargesduringBilling
Cycleswhenyoucarryabalanceregardlessofwhether
your Statement includes a minimum payment that is
due.IfyourAccountis180dayspastdue,ispartofa
bankruptcyproceedingorisotherwisechargedoff,the
totalbalanceisimmediatelydueandpayable.
Making Payments
YourpaymentmustbemadeinU.S.dollarsfromaU.S.
depositaccountinaformacceptabletous.Wedonot
accept cash payments through the mail. You may not
make payments with funds from your Account or any
other credit account with us or any other company in
the Capital One organization. You must send mailed
paymentstousasinstructedonyourStatement,unless
we tell youotherwise.
Other Payment Services
Wemaymakeservicesavailablethatallowyoutomake
fasterorrecurringpaymentsonlineorbytelephone.We
willdescribethetermsforusingtheseservicesandany
applicableFeebeforeyouusethem.Youdonothaveto
use these other paymentservices.
Wearenotresponsibleifyourfinancialinstitutionrejects
apaymentmadeusingourpaymentservices.
Ifyouasksomeoneelsetomakeapaymentforyou, we
may provide that person with limited Account
informationnecessarytosetupandprocessthat
payment.Wemayalsorefusetoacceptthatpayment.If
wedoacceptit,youwillberesponsibleforthatpayment
even if a financial institution rejectsit.
Payment Processing
Wemayacceptandprocesspaymentswithoutlosing
any of our rights. We may delay the availability of
credituntilweconfirmthatyourpaymenthascleared.
This may happen even if we credit your payment to
yourAccount.Wemayresubmitandcollectreturned
paymentselectronically.Ifnecessary,wemayadjust
yourAccounttocorrecterrors,processreturnedand
reversedpayments,andhandlesimilarissues.
WhenyousendusanItemaspayment,youauthorize us
to make a one-time electronic fund transfer from
yourdepositaccount.Youalsoauthorizeustoprocess
thepaymentasanItem.Wemaywithdrawthefunds
from your deposit account as early as the same day
we receive your payment. You will not receive your
Itembackfromyourbank.Wewillprovideadditional
informationaboutthisprocessonyourStatement.
We may use the information from an Item to create an
electronic image. We may collect and return the image
electronically. This electronic image may also be
converted
toasubstitutecheckandmaybeprocessedinthesame
waywewouldprocessanItem.Wewillnotberesponsible if
an Item you provide has physical features that when
imagedresultinitnotbeingprocessedasyouintended.
How We Apply Your Payments
YourAccountmayhaveSegmentswithdifferentAnnual
PercentageRates(APR).Forexample,purchasesmay
havealowerAPRthanCashAdvances.IfyourAccount
hasSegmentbalanceswithdifferentAPRs,hereishow
we apply payments in a BillingCycle:
(1) We generally apply credits and payments up to
yourminimumpaymentfirsttothebalancewiththe
lowestAPR,andthentobalanceswithhigherAPRs.
(2) Weapplyanypartofyourpaymentexceedingyour
minimumpaymenttothebalancewiththehighest
APR,andthentobalanceswithlowerAPRs.
Items with Restrictive Words, Conditions,
or Instructions
YoumustmailallItemsbearingrestrictivewords,
conditions,limitations,orspecialinstructionsto:
4
Capital One
PO Box1330
Charlotte, NC 28201-1330
ThisincludesItemsmarked“PaidinFull”orsimilar
language. This also includes all accompanying
communications.
Ifyoumakesuchapaymentorsendanyaccompanying
communicationstoanyotheraddress,wemayrejectit
andreturnittoyou.Wemayalsoacceptitandprocess it
without losing any of ourrights.
Credit Balances
Wemayrejectandreturnanypaymentthatcreatesoradds
toacreditbalanceonyourAccount.Anycreditbalance
we allow will not be available until we confirm that your
paymenthascleared.Wemayreducetheamountofany
creditbalancebyanynewcharges.Youmaywritetothe
address provided on your Statement or call Customer
Servicetorequestarefundofanyavailablecreditbalance.
Account Default
You will be in default if:
(1) youdonotmakeanypaymentwhenitisdue;
(2) anypaymentyoumakeisrejected,notpaidor
cannot beprocessed;
(3) you exceed a creditlimit;
(4) youfileorbecomethesubjectofabankruptcyor
insolvencyproceeding;
(5) youareunableorunwillingtorepayyourobligations,
includingupondeathorlegallydeclaredincapacity;
(6) wedeterminethatyoumadeafalse,incompleteor
misleadingstatementtous,oryouotherwisetriedto
defraudus;
(7) youdonotcomplywithanytermofthisAgreement or
any other agreement with us;or
(8) youpermanentlyresideoutsidetheUnitedStates.
If you are in default, we may take certain actions with
respect to your Account. For example, depending on
the
default,wemaytakethefollowingactions,withoutnotifying
you,unlessthelawsaysthatwemustgiveyounotice:
(1) chargeyouFees,orchangetheAPRsandFeeson
yourAccount,ifprovidedinyourTruth-in-Lending
Disclosures;
(2) close or suspend yourAccount;
(3) lower your creditlimit(s);
(4) demandthatyouimmediatelypaythetotalbalance
owing on yourAccount;
(5) continuetochargeyouInterestChargesandFeesas
longasyourbalanceremainsoutstanding;and/or
(6) filealawsuitagainstyou,orpursueanotheractionthat
isnotprohibitedbylaw.Ifwefilealawsuit,youagreeto
payourcourtcosts,expensesandattorneyfees,unless
the law does not allow us to collect these amounts.
Communications
Youagreethatwemaycommunicatewithyoubymail,
telephone, email, fax, prerecorded message,automated
voice,textmessageorothermeansallowedbylaw
regarding yourAccount.
You agree that we may contact you at any telephone
number (including a mobile telephone number that
you provide us), and use an automated telephone
dialingsystemorsimilardevicetodoso.Youagreethat we
may monitor or record any conversation or other
communication withyou.
Credit Reports
WemayreportinformationaboutyourAccounttocredit
bureausandothers.Latepayments,missedpayments,
or other defaults on your Account may be reflected in
yourcreditreport.Informationweprovidemayappear
onyourandtheAuthorizedUsers’creditreports.
If you believe that we have reported inaccurate
information about your Account to a credit bureau or
otherconsumerreportingagency,notifyusinwritingat PO
Box 30281, Salt Lake City, UT 84130-0281. When
youwrite,tellusthespecificinformationthatyoubelieve
isincorrectandwhyyoubelieveitisincorrect.
Wemayobtainandusecredit,incomeandotherinformation
aboutyoufromcreditbureausandothersasthelawallows.
Closing or Suspending Your Account
YoumaycontactCustomerServicetoaskustoclose
yourAccount.
WemaycloseorsuspendyourAccountatanytimeandfor
anyreasonpermittedbylaw,evenifyouarenotindefault.
If we close or suspend your Account for any reason,
youmuststopusingyourCard.Youmustalsocancelall
billingarrangementssetupontheAccount.Ifweclose
orpermanentlysuspendyourAccount,youmustreturn
ordestroyallCards.Youmuststillpayusallamounts you
owe on theAccount.
Changes to Your Agreement
Atanytime,wemayadd,deleteorchangeanytermof
thisAgreement,unlessthelawprohibitsusfromdoing
so.Wewillgiveyounoticeofanychangesasrequired
bylaw.WemaynotifyyouofchangesonyourStatement
orinaseparatenotice.Ournoticewilltellyouwhenand
howthechangeswilltakeeffect.Thenoticewilldescribe
anyrightsyouhaveinconnectionwiththechanges.
YourvariableAPRs(ifapplicable)cangoupordownas
theindexfortherategoesupordown.Ifweincrease
yourAPRsforanyotherreason,orifwechangeyour
FeesorothertermsofyourAccount,wewillnotifyyou as
required bylaw.
The Law That Applies to Your Agreement
WemakedecisionstograntcreditandissueyouaCard
fromourofficesinVirginia.ThisAgreementisgoverned
byapplicablefederallawandbyVirginialaw.Ifanypart
ofthisAgreementisunenforceable,theremainingparts
will remain ineffect.
5
Waiver
Wewillnotloseanyofourrightsifwedelayorchoose
nottotakeanyactionforanyreason.Wemaywaiveour
rightwithoutnotifyingyou.Forexample,wemaywaive
yourInterestChargesorFeeswithoutnotifyingyouand
withoutlosingourrighttochargetheminthefuture.
Assignment
ThisAgreementwillbebindingon,andbenefit,anyof
yourandoursuccessorsandassigns.Youmaynotsell,
assign or transfer your Account or this Agreement to
someoneelsewithoutourwrittenpermission.
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
performallofyourobligationstothemandnotus.Ifyou
payusafterwenotifyyouthatwehavetransferredyour
AccountorthisAgreement,wecanreturnthepayment
toyou,forwardthepaymenttotheassignee,orhandleit in
another way that isreasonable.
Glossary
• “AccessCheck”meansanycheckwesendtoyouto
accesscreditfromyourAccount.Wemayalsorefer
toanAccessCheckasa“conveniencecheck”ora
“purchasecheck”.
• “Account”meansyourCardAccountwithus.
• “AuthorizedUser”meansapersonwhomayusethe
Card,butisnotresponsiblefortherepaymentofthe
Account.
• “BalanceTransfer”meansaTransferpostedtothe
purchase Segment of your Account unlessotherwise
describedinyourTruth-in-LendingDisclosures.
• “BillingCycle”meanstheperiodoftimereflectedon
aStatement.Thisperiodmayvaryinlength,butis
approximately30days.YouwillhaveaBillingCycle
evenifaStatementisnotrequired.Wewilloften
specifyaBillingCyclebythemonthinwhichitsclosing
dateoccurs.Forexample,a“MarchBillingCycle”will
haveaclosingdateinMarch.Wemayalsoreferto
aBillingCycleasa“BillingPeriod”.IfyourAccount
balancehaschargedoff,wemayswitchtoquarterly
Billing Cycles for yourAccount.
• “Card”meansanyCapitalOnecreditcardassociated
with your Account. This includes all renewals and
substitutions.Italsomeansanyotheraccessdevice
foryourAccountwegiveyouthatallowsyoutoobtain
credit, including any Accountnumber.
• “CashADVANCE”meansaloanincashorthingswe
consider cash equivalents, including wire transfers,
travelers’ checks, money orders, foreign currency,
lottery tickets, gaming chips, and wagers. We post
CashAdvancestotheCashAdvanceSegmentofyour
AccountandnottoyourpurchaseSegment.
• “Fees”meanschargesimposedonyourAccountnot
based on the Annual PercentageRates.
• “InterestCharges”meansanychargestoyourAccount
basedontheapplicationofAnnualPercentageRates.
• “Item”meansacheck,draft,moneyorderorother
negotiableinstrumentyouusetopayyourAccount.
Thisincludesanyimageoftheseinstruments.This
does not include an AccessCheck.
• “PaymentCardNetwork”meansthenetworkprovider
displayed on your Card. This may be Visa Inc.,
MasterCardInternationalIncorporated,oranyother
networkprovider.
• “Segments” means the different parts of yourAccount
we may establish that are subject to unique APRs,
pricing,orotherterms.Wecreatethesepartsofyour
Accountforsuchthingsasyourpurchases,Balance
Transfers,CashAdvancesandSpecialTransfers.
ThesumofyourSegmentbalancesequalsyourtotal
Account balance.
• “Special Transfer” means a Transfer posted to a
SegmentofyourAccountthatisnotyourpurchase
Segment or Cash AdvanceSegment.
• “Statement” means a document showing
important Account information, including all
transactions billed to
yourAccountduringaBillingCycleandinformationabout
whatyoumustpay.WemayalsorefertoyourStatement
asa“PeriodicStatement”ora“BillingStatement”.
• “Transfers”means amounts transferred from other
accounts to this Account and includes Balance
Transfers and SpecialTransfers.
• “Truth-in-Lending Disclosures” means disclosures that
the federal Truth in Lending Act and Regulation Z
requireforanyAccount.Thisincludesyourapplication
and solicitation disclosures, Account opening
disclosures, subsequent disclosures, Statements, and
change in termsnotices.

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Capital One is a federally registered service mark.
All rights reserved.

BR281644 M-112861 6 COF Customer Agreement305