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

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2 How Can I Avoid 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 in full with no interest charges, but then you do not pay your next New Balance in full, we will charge interest on the 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). Under this method, we first 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 that are subject to a grace period are not added to the daily balances. Next, to find 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. 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 at

8 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 Capital One is a federally registered service mark. All rights reserved. BR M COF Customer Agreement 305

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