Credit Card Agreement for Consumer Secured 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 June 30, 2024. The combination of terms that could apply to you will 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. Please visit www.capitalone.com to view our online

credit card offers. 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

(APR) for Purchases

30.74%.

This APR will vary with the market based on the Prime Rate.

APR for Transfers 30.74%.

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances 30.74%.

This APR will vary with the market based on the Prime Rate.

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 transfers on the transaction date.

For Credit Card Tips from

the Consumer Financial

Protection Bureau

To learn more about factors to consider when applying for or using a credit card,

visit the website of the Consumer Financial Protection Bureau at

http://www.consumernance.gov/learnmore.

Annual Fee None.

Transaction Fees

• Transfer 4% of the amount of each transferred balance that posts to your account at a promotional APR

that we may offer you.

None for balances transferred at the Transfer APR.

• Cash Advance

Either $5 or 5% of the amount of each cash advance, whichever is greater.

Penalty Fees

• Late Payment Up to $40.

How Do You Calculate My Balance? We use a method called “average daily balance (including new transactions).” See “How

Do You Calculate The Interest Charge?” section below.

What Are My Billing Rights? Information on your rights to dispute transactions and how to exercise those rights is provided

in “Your Billing Summary” on your Statement and other Truth-in-Lending Disclosures.

THINGS YOU SHOULD KNOW ABOUT THIS CARD

How Do You Calculate V

ariable Rates? Your variable rates may change when the Prime Rate changes. We calculate

variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December,

March, June and September. If the Journal is not published on that day, then see the immediately preceding edition. Variable

rates on the following segment(s) will be updated quarterly and will take effect on the rst day of your January, April, July and

October billing periods: Purchase APR: Prime plus 22.24%; Transfer APR: Prime plus 22.24%; Cash Advance APR: Prime

plus 22.24%. Any increase in the Prime Rate may increase your Interest Charges and your Minimum Payment.

What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Purchase APR is

0.08422%, Transfer APR is 0.08422% and Cash Advance APR is 0.08422%. See “How Do You Calculate The Interest

Charge?” section below.

How Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new transactions).

Under this method, we rst calculate your daily balance; for each segment, 1) take the beginning balance and add in new

transactions and the periodic interest charge on the previous day’s balance, then 2) subtract any payments and credits for that

segment as of that day. The result is the daily balance for each segment. However, if you paid your previous month’s balance in

full (or if your balance was zero or a credit amount), new transactions which post to your purchase or special purchase segments

are not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances.

Next, to nd your Average Daily Balance: 1) add the daily balances together for each segment, and 2) divide the sum by the

number of days in the billing cycle.

At the end of each billing cycle, we determine your Interest Charge as follows: 1) multiply your Average Daily Balance by the

daily periodic rate (APR divided by 365) for that segment, and 2) multiply the result by the number of days in the billing period.

NOTE: Due to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed.

Capital One, N.A. Capital One supports information privacy protection: see our website at www.capitalone.com.

Capital One Customer Agreement

Welcome to Capital One

Thank you for opening a credit card account with us.

This Customer Agreement including any changes to it

(“Agreement”) contains the terms of your agreement

with Capital One.

Denitions

The meanings of the terms you see in italics appear in

the Glossary section at the end of this Agreement.

As used here, “you” and “your” mean each applicant

and co-applicant for the Account; any person

responsible for paying the Account; and any person

responsible for complying with this Agreement. “We,”

“us,” “our,” and “Capital One” mean Capital One,

National Association; and its agents, authorized

representatives, successors, and assignees.

Account Documents

The following documents govern your Account with us:

(1) this Agreement;

(2) all Statements;

(3) any rewards program terms, conditions, and

disclosures;

(4) any privacy notices;

(5) your Card benets brochure which describes

benets provided by the Payment Card Network

for your Account;

(6) all disclosures and materials provided to you

before or when you opened your Account;

(7) any other documents and disclosures relating to

your Account, including those provided online; and

(8) any future changes we make to any of the above.

Please read these carefully and keep them for

future reference.

New Offers

In the future, we may provide you with new offers that

we think may interest you. The terms of these offers

may differ from the standard terms on your Account.

This Agreement will still apply.

Account Information

We need information about you to manage your

Account. This includes:

(1) your legal name;

(2) a valid U.S. mailing address and residential

address (if different);

(3) your date of birth;

(4) your Social Security number or other government

identication number;

(5) your telephone number(s); and

(6) your employment and income information.

You must tell us when this information changes. We

may ask you for additional documents to verify any

changes. We may restrict or close your Account if we

cannot verify your information, or if you do not provide

it as requested.

Credit Limits

When you open your Account, we will tell you

your credit limits. These will also appear on your

Statement. We may also refer to your credit limits

as your credit lines. We may give you different credit

limits for the different Segments of your Account. For

example, you may have one credit limit for purchases

and a different one for Cash Advances.

You are responsible for keeping track of your Segment

balances and your available credit. You must manage

your Account to remain below your credit limits. We

may honor transactions above your credit limits, but if

we do these transactions will not increase your credit

limit. You are responsible for paying for any transaction

you make above your credit limits.

We may also increase, decrease, restrict or cancel

your credit limit on any Segment at any time. This will

not affect your obligation to pay us.

Using Your Account

(1) This Agreement applies whether or not you use

your Card or Account. It will continue to apply even

after your Account is closed, as long as you have

a balance.

(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 you to.

(4) You must take reasonable steps to prevent the

unauthorized use of your Card, Access Checks

and Account

(5) We may decline to authorize a transaction for any

reason. This may occur even if the transaction

would not cause you to go over your credit limit or

your

Account is not in default.

(6) We are not responsible for any losses you incur if

we do not authorize a transaction.

(7) We are not responsible for any losses you incur if

anyone refuses to accept your Card for any reason.

(8) Unless we tell you otherwise, we will bill each

transaction to the applicable Segment of your

Account

. We will apply it against your available

credit for that Segment.

(9) Y

ou may obtain Cash Advances and Transfers

as permitted for your Account

. You may not use

these to pay any amount you owe us or any other

company in the Capital One organization.

(10) You must not use, or try to use, the Card for

any illegal activity. You are responsible for any

charges if you do.

(11) We are not liable for any losses that may result

when our services are unavailable due to reasons

beyond our control.

Rewards

Your Account may provide you with the opportunity to

earn rewards. If it does, we will separately provide you

with information and terms about the rewards.

Access Checks

We may provide you with Access Checks. If we

do, we will tell you at the time if we consider them

purchases, Cash Advances or Special Transfers.

Only the person we designate may use Access Checks.

You may not use them to pay any amount you owe us

or any other company in the Capital One organization.

We may reject and not pay any Access Check if:

(1) your Account is past due, charged off, bankrupt,

lost/stolen or closed;

(2) we suspect fraud;

(3) your Account is over the credit limit; or

(4) the check has expired, is damaged or cannot

otherwise be processed.

Our liability if we do not pay an Access Check will

never be more than (1) your actual damages or (2)

the amount of the Access Check, whichever is less.

Use of an Access Check is not the same as using

your Card. When you use an Access Check, you will

have fewer rights to dispute merchant transactions

than with uses of your Card. Please see the “Billing

Rights Summary” on your Statement and your other

Truth-in-Lending Disclosures for more information.

Stopping Payment of Access Checks

You may request a stop payment on any Access

Check by contacting contacting Customer Service.

We will have a reasonable amount of time after your

stop payment request to research and complete the

stop payment. We will not be responsible if we cannot

complete the stop payment. Reasons include:

(1) the Access Check was already paid;

(2) you do not give us the information we asked for; or

(3) the information you gave us was incorrect.

We do not have to release the stop payment order

unless the account holder who made the request asks

us to. If we re-credit your Account after a valid stop

payment order, you give us all of your rights against the

payee or other holder of the paid Access Check. You

also agree to help us in any legal action we may later

take against the payee or other holder of the check.

Using a PIN

We may give you a personal identication number

(PIN). For security reasons, you may have to provide

the PIN before you are able to use your Card.

Keep your PIN secure. Do not write it down, give it

to anyone, or keep it with your Card. If you lose your

Card or believe the condentiality of your PIN has

been compromised for any reason, you must contact

Customer Service immediately.

Authorized Users

If you ask us to issue a Card to any other person,

they are an Authorized User. We may require

certain information about them. We may limit their

ability to use your Card. They may have access to

certain information about your Account. You will be

responsible for their use of the Account and anyone

else they allow to use your Account, even if you did

not want, or agree to, that use.

Removing an Authorized User

If you want to remove an Authorized User from your

Account, you must contact Customer Service and

request their removal. You also must immediately

destroy all Cards in their possession and cancel any

arrangements they may have set up on your Account.

They will be able to use your Account until you have

notied us that you are removing them from your

Account. During this time, you will still be responsible

for all amounts they charge to your Account. You will

be responsible even if these amounts do not appear

on your Account until later.

Authorized Users may remove themselves from your

Account upon request. We reserve the right to remove

them from your Account for any reason. To remove them

from your Account, we may close your existing Account

and issue a new Card with a new Account number.

Your Promise to Pay

You promise to pay us all amounts due on your

Account. This includes amounts where you did not

sign a purchase slip or other documents for the

transaction. We will treat transactions made without

presenting your actual Card (such as for mail,

telephone, Internet, or mobile device purchases) the

same as if you used the Card in person. If you let

someone else use your Card, you are responsible for

all transactions that person makes.

Statements

We will generally send or make available to you one

Statement for all Cards on your Account at the end of

each Billing Cycle. Under certain circumstances, the

law may not require us to send or make available to

you a Statement, or may prohibit us from doing so.

Disputed Transactions

You must inspect each Statement you receive. Tell us

about any errors or questions you have, as described

in the “Billing Rights Summary” on your Statement

and other Truth-in-Lending Disclosures. If you do

not notify 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, you give us all of your rights against

others regarding that transaction. You will also:

(1) give us any information about the disputed

transaction, if we ask;

(2) not pursue any claim or reimbursement of the

transaction amount from the merchant or any other

person; and

(3) help us get reimbursement from others.

No Warranties

We are not responsible for any claim you may have

regarding the purchase of goods or services made

with your Card beyond your rights described in the

“Billing Rights Summary” on your Statement.

Lost or Stolen Card

If your Card is lost or stolen or if you think someone else

may be using your Card or Account number without

your permission, you must contact Customer Service

immediately. You will not be responsible for transactions

on your Account that we nd are unauthorized.

If we reimburse you for unauthorized transactions, you

will help us investigate, pursue and get reimbursement

from the wrongdoer. Your help includes giving us

documents in a form that we request.

Interest Charges and Fees

We will charge Interest Charges and Fees to your

Account as disclosed on your Statement and other

Truth-in-Lending Disclosures. In general, Interest

Charges begin to accrue from the day a transaction

occurs. However, we will not charge you interest

on any new transactions posted to the purchase

Segment of your Account if you paid the total balance

across all Segments of your Account in full by the

due date on your Statement each month. From time

to time, we may give you offers that allow you to pay

less than the total balance and avoid Interest Charges

on new purchase Segment transactions. If we do, we

will provide details in the specic offer.

We will generally treat Fees as purchase transactions

unless otherwise specied below. These Fees

apply to your Account only if your Truth-in-Lending

Disclosures provide for them. We may increase

your Interest Charges and Fees as described in the

Changes to Your Agreement section or in your

Truth-in-Lending Disclosures.

Membership Fee

If your Account has a membership Fee, we may

charge the rst membership Fee either on the day

you activate your Card or on the day when you use

your Account, whichever occurs rst. If your Account

terms include a $0 introductory Fee, we may charge

the rst Fee when the introductory period ends. If it is

an annual Fee, we may then charge it approximately

once per year. If it is a monthly Fee, we may charge it

each Billing Cycle.

Late Payment Fee

We may charge you this Fee if we do not receive

your payment as instructed on your Statement by the

payment due date.

Returned Payment Fee

We may charge you this Fee each time your nancial

institution for any reason rejects a payment you make

to us.

Stop Payment Fee

We may charge you this Fee each time you ask us to

(1) stop payment on an Access Check or (2) renew an

existing stop payment order.

Cash Advance Fee

We may charge you this Fee each time you take out

a Cash Advance. We will treat this Fee as a Cash

Advance transaction.

Transfer Fee

We may charge you this Fee each time you make

a Transfer. We will charge the Fee to the same

Segment where we post the Transfer.

Transactions Made in Foreign Currencies

If you make a transaction in a foreign currency, the

Payment Card Network will convert it into a U.S. dollar

amount. The Payment Card Network will use its own

currency conversion procedures. The conversion rate

in effect on the processing date may differ from the rate

in effect on the transaction date that appears on your

Statement. We do not adjust the currency exchange

rate or charge any currency conversion Fees.

Minimum Payment

You must pay us at least the minimum payment

amount by the payment due date. Your Statement will

tell you:

(1) the minimum payment due,

(2) your new balance,

(3) the payment due date, and

(4) an explanation of when the payment must reach

us for us to consider it received as of that date.

Returns and other credits to your Account will reduce

your Account balance, but they will not change your

minimum payment amount.

In addition to the minimum payment, you may pay

all or part of the total balance on your Account. But,

you must still pay at least the minimum payment

amount each month, even if you paid more than the

minimum payment due on the previous Statement.

We will continue to charge Interest Charges during

Billing Cycles when you carry a balance regardless of

whether your Statement includes a minimum payment

that is due. If your Account is 180 days past due, is part

of a bankruptcy proceeding or is otherwise charged off,

the total balance is immediately due and payable.

Making Payments

Your payment must be made in U.S. dollars from

a U.S. deposit account in a form acceptable to us.

We do not 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 payments to us as instructed on

your Statement, unless we tell you otherwise.

Other Payment Services

We may make services available that allow you

to make faster or recurring payments online or by

telephone. We will describe the terms for using these

services and any applicable Fee before you use them.

You do not have to use these other payment services.

We are not responsible if your nancial institution

rejects a payment made using our payment services.

If you ask someone else to make a payment for you,

we may provide that person with limited Account

information necessary to set up and process that

payment. We may also refuse to accept that payment.

If we do accept it, you will be responsible for that

payment even if a nancial institution rejects it.

Payment Processing

We may accept and process payments without losing

any of our rights. We may delay the availability of

credit until we conrm that your payment has cleared.

This may happen even if we credit your payment to

your Account. We may resubmit and collect returned

payments electronically. If necessary, we may adjust

your Account to correct errors, process returned and

reversed payments, and handle similar issues.

When you send us an Item as payment, you authorize

us to make a one-time electronic fund transfer from

your deposit account. You also authorize us to

process the payment as an Item. We may withdraw

the funds from your deposit account as early as

the same day we receive your payment. You will

not receive your Item back from your bank. We will

provide additional information about this process on

your Statement.

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 to a substitute check and may be

processed in the same way we would process an

Item. We will not be responsible if an Item you provide

has physical features that when imaged result in it not

being processed as you intended.

How We Apply Your Payments

Your Account may have Segments with different

Annual Percentage Rates (APR). For example,

purchases may have a lower APR than Cash

Advances. If your Account has Segment balances

with different APRs, here is how we apply payments in

a Billing Cycle:

(1) We generally apply credits and payments up to your

minimum payment rst to the balance with the lowest

APR, and then to balances with higher APRs.

(2) We apply any part of your payment exceeding your

minimum payment to the balance with the highest

APR, and then to balances with lower APRs.

Items with Restrictive Words, Conditions,

or Instructions

You must mail all Items bearing restrictive words,

conditions, limitations, or special instructions to:

Capital One

PO Box 1330

Charlotte, NC 28201-1330

This includes Items marked “Paid in Full” or similar

language. This also includes all accompanying

communications.

If you make such a payment or send any

accompanying communications to any other address,

we may reject it and return it to you. We may also

accept it and process it without losing any of our rights.

Credit Balances

We may reject and return any payment that creates

or adds to a credit balance on your Account. Any

credit balance we allow will not be available until

we conrm that your payment has cleared. We may

reduce the amount of any credit balance by any new

charges. You may write to the address provided on

your Statement or call Customer Service to request a

refund of any available credit balance.

Account Default

You will be in default if:

(1) you do not make any payment when it is due;

(2) any payment you make is rejected, not paid or

cannot be processed;

(3) you exceed a credit limit;

(4) you le or become the subject of a bankruptcy or

insolvency proceeding;

(5) you are unable or unwilling to repay your

obligations, including upon death or legally

declared incapacity;

(6) we determine that you made a false, incomplete or

misleading statement to us, or you otherwise tried

to defraud us;

(7) you do not comply with any term of this Agreement

or any other agreement with us;

(8) you permanently reside outside the United States; or

(9) we receive a garnishment, attachment or other

levy upon the Security Account, or the Security

Account is subject to any other legal proceeding.

If you are in default, we may take certain actions with

respect to your Account. For example, depending on

the default, we may take the following actions, without

notifying you, unless the law says that we must give

you notice:

(1) charge you Fees, or change the APRs and Fees

on your Account, if provided in your Truth-in-

Lending Disclosures;

(2) close or suspend your Account;

(3) lower your credit limit(s);

(4) demand that you immediately pay the total

balance owing on your Account;

(5) continue to charge you Interest Charges and Fees

as long as your balance remains outstanding; and/or

(6) le a lawsuit against you, or pursue another action

that is not prohibited by law. If we le a lawsuit,

you agree to pay our court costs, expenses and

attorney fees, unless the law does not allow us to

collect these amounts.

Communications

You agree that we may communicate with you by

mail, telephone, email, fax, prerecorded message,

automated voice, text message or other means

allowed by law regarding your Account.

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

dialing system or similar device to do so. You agree

that we may monitor or record any conversation or

other communication with you.

Credit Reports

We may report information about your Account to credit

bureaus and others. Late payments, missed payments,

or other defaults on your Account may be reected in

your credit report. Information we provide may appear

on your and the Authorized Users’ credit reports.

If you believe that we have reported inaccurate

information about your Account to a credit bureau or

other consumer reporting agency, notify us in writing

at PO Box 30281, Salt Lake City, UT 84130-0281.

When you write, tell us the specic information that you

believe is incorrect and why you believe it is incorrect.

We may obtain and use credit, income and other

information about you from credit bureaus and others

as the law allows.

Closing or Suspending Your Account

You may contact Customer Service to ask us to close

your Account.

We may close or suspend your Account at any time

and for any reason permitted by law, even if you are

not in default.

If we close or suspend your Account for any reason,

you must stop using your Card. You must also cancel

all billing arrangements set up on the Account. If we

close or permanently suspend your Account, you

must return or destroy all Cards. You must still pay us

all amounts you owe on the Account.

Changes to Your Agreement

At any time, we may add, delete or change any term

of this Agreement, unless the law prohibits us from

doing so. We will give you notice of any changes as

required by law. We may notify you of changes on

your Statement or in a separate notice. Our notice

will tell you when and how the changes will take

effect. The notice will describe any rights you have in

connection with the changes.

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 for any other reason, or if we

change your Fees or other terms of your Account, we

will notify you as required by law.

The Law That Applies to Your Agreement

We make decisions to grant credit and issue you a

Card from our ofces in Virginia. This Agreement is

governed by applicable federal law and by Virginia

law. If any part of this Agreement is unenforceable,

the remaining parts will remain in effect.

Waiver

We will not lose any of our rights if we delay or

choose not to take any action for any reason. We may

waive our right without notifying you. For example,

we may waive your Interest Charges or Fees without

notifying you and without losing our right to charge

them in the future.

Assignment

This Agreement will be binding on, and benet, any

of your and our successors and assigns. You may not

sell, assign or transfer your Account or this Agreement

to someone else 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.

Security Agreement

You must provide a security deposit in U.S. dollars

from a U.S. deposit account (the “Funds”) to secure

the obligations to us that you incur in connection with

your Account (“Obligations”). All Funds will be held in

a Security Account. We will maintain separate records

of your Security Account. The Security Account is

insured by the Federal Deposit Insurance Corporation

(“FDIC”) to the extent permitted by law. Subject to

this Security Agreement, you will be the benecial

owner of the Security Account for purposes of FDIC

insurance. We will not send statements for the

Security Account.

We may allow you to add additional Funds to the

Security Account in order to grant an increase of your

credit limit. You may not withdraw Funds from the

Security Account unless your Account is closed and

paid to a $0 balance.

We will not pay interest on the Security Account,

unless we tell you we will in the secured credit Card

offer. If we do pay interest on the Security Account, it

will be deposited to the Security Account as proceeds

of the Funds to further secure the Obligations.

You grant to us, as of the date you deliver Funds to

us, a security interest in the Funds, any additions

to the Funds, any proceeds of the Funds and any

interest on any of these (collectively the “Collateral”)

to secure your performance of the Obligations. You

irrevocably and unconditionally relinquish possession

and control over the Collateral, and you pledge and

assign as security to us all of your right, title and

interest in it. You must take any action we request

to perfect or protect our rst lien position security

interest in the Collateral. You waive the benet of any

homestead or other exemptions in the Collateral.

If (1) you are in default of any Obligation under

the Customer Agreement; or (2) your Account is

closed for any reason, you authorize us to withdraw

Collateral from the Security Account and apply such

amounts to the Account without sending you notice

or demand for payment. We may do this in addition

to any other rights we have under the law or the

Agreement. The application of Funds to your Account

will not change your minimum payment amount. You

are responsible for the repayment of any Obligation

that is not satised by the application of Collateral.

We may take up to 60 days to return any excess

Collateral to you.

Legal Proceedings.

(1) You represent that (a) there are no current lawsuits

or bankruptcy proceedings that might affect our

interest in the Collateral; and (b) You have not

and will not attempt to transfer any interest in

the Collateral to any other person or offer the

Collateral as security for any other obligation.

(2) If any other person seeks to attach the Collateral,

for example by legal garnishment, you agree

that we may deem the balance of the Account

immediately payable and apply the Collateral as

payment of the Obligations.

(3) If we must hire an attorney to defend or enforce

our rights under this Security Agreement or to

perform any legal services in connection with this

Security Agreement, You will pay our reasonable

attorneys’ fees and court costs, unless the law

does not allow us to collect these amounts.

If there is no activity with respect to your Account for

a prescribed period of time (generally ve years), the

Collateral may be presumed to have been abandoned

and will escheat to and become the property of the

Commonwealth of Virginia or another applicable

state. If this happens, we will stop paying any interest

on it. We will notify you if required by law prior to

escheating any Collateral held under this Security

Agreement.

Glossary

• “Access Check” means any check we send to you

to access credit from your Account. We may also

refer to an Access Check as a “convenience check”

or a “purchase check”.

•“Account” means your Card Account with us.

• “Authorized User” means a person who may use

the Card, but is not responsible for the repayment of

the Account.

• “Balance Transfer” means a Transfer posted to the

purchase Segment of your Account unless otherwise

described in your Truth-in-Lending Disclosures.

• “Billing Cycle” means the period of time reected

on a Statement. This period may vary in length, but

is approximately 30 days. You will have a Billing

Cycle even if a Statement is not required. We will

often specify a Billing Cycle by the month in which

its closing date occurs. For example, a “March Billing

Cycle” will have a closing date in March. We may

also refer to a Billing Cycle as a “Billing Period”.

If your Account balance has charged off, we may

switch to quarterly Billing Cycles for your Account.

• “Card” means any Capital One credit card

associated with your Account. This includes all

renewals and substitutions. It also means any other

access device for your Account we give you that

allows you to obtain credit, including any Account

number.

• “Cash Advance” means a loan in cash or things we

consider cash equivalents, including wire transfers,

travelers’ checks, money orders, foreign currency,

lottery tickets, gaming chips, and wagers. We post

Cash Advances to the Cash Advance Segment of

your Account and not to your purchase Segment.

• “Fees” means charges imposed on your Account not

based on the Annual Percentage Rates.

•“Interest Charges” means any charges to your

Account based on the application of Annual

Percentage Rates.

• “Item” means a check, draft, money order or other

negotiable instrument you use to pay your Account.

This includes any image of these instruments. This

does not include an Access Check.

• “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, Cash Advances and Special

Transfers. The sum of your Segment balances

equals your total Account balance.

• “Special Transfer” means a Transfer posted to a

Segment of your Account that is not your purchase

Segment or Cash Advance Segment.

• “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”.

• “Transfers” means amounts transferred from

other accounts to this Account and includes Balance

Transfers and Special Transfers.

• “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.

Capital One is a federally registered service mark.

BR417709 M-135234 COF Customer Agreement 452