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 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 December 31, 2022. 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. Not all offers will contain introductory rates.

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

Introductory rate of 0%, ranging from 9 months to 18 months.

Non-introductory rates between 25.74% and 29.74%.

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

APR for Transfers Non-introductory rates between 25.74% and 29.74%.

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

APR for Cash Advances Non-introductory rates between 25.74% and 29.74%.

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 you

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 Between $0 and $39 annually.

Transaction Fees

• Transfer 3% 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 $10 or 3% 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 My Variable 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: Non-Introductory Purchase APR: Prime plus a margin between 18.24% and 22.24%; Non-Introductory

Transfer APR: Prime plus a margin between 18.24% and 22.24%; Cash Advance APR: Prime plus a margin between 18.24%

and 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 Introductory Purchase

APR is 0.00000%, Non-introductory Purchase APR is between 0.07052% and 0.08148%, Non-introductory Transfer APR is

between 0.07052% and 0.08148%, and Cash Advance APR is between 0.07052% and 0.08148%. 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.

Deﬁnitions

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 beneﬁts brochure which describes

beneﬁts 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

identiﬁcation 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 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 identiﬁcation 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 conﬁdentiality 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 notiﬁed 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 ﬁnd 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 speciﬁc offer.

We will generally treat Fees as purchase transactions

unless otherwise speciﬁed 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 ﬁrst membership Fee either on the day you activate

your Card or on the day when you use your Account,

whichever occurs ﬁrst. If your Account terms include a

$0 introductory Fee, we may charge the ﬁrst 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 ﬁnancial

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 ﬁnancial 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 ﬁnancial 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 conﬁrm 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) W

e generally apply credits and payments up to

your minimum payment ﬁrst 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 conﬁrm 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 ﬁle 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; or

(8) you permanently reside outside the United States.

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) ﬁle a lawsuit against you, or pursue another action that

is not prohibited by law. If we ﬁle 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 reﬂected 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 speciﬁc 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 ofﬁces 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 beneﬁt, 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.

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 reﬂected 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.

BR281644 M-112861

COF Customer Agreement 305