Returned check fee: $25.

*ANNUAL PERCENTAGE RATE for cash advances including convenience checks: a fixed rate of 19.8% (0.05425% daily periodic rate).⁴

¹ You are applying for a Capital One Visa Platinum or Visa Classic account. The lines of credit offered with the Visa Platinum account range from $5,000 to $20,000. If we are unable to issue you a Capital One Visa Platinum card, we will consider you for a Capital One Visa Classic card with a credit limit below $5,000 but not less than $500. The Capital One Visa Classic card terms are the same as described above (in Important Disclosures); however, Platinum benefits are available only to Platinum cardholders.
These program benefits cannot be added to an existing Capital One account.

² Some restrictions and limitations apply. For example: advance ticket purchase requirements, miles awarded for net purchases only and limits on monthly mile accumulation and ticket price. Your account must be open and in good standing (not overlimit or more than 30 days past due) to redeem miles. "Any major airline" and "any U.S.-based airline" are defined as domestic or international airlines whose schedules, fares and availability are displayed or published in an airline industry Computer Reservation System such as SABRE. Complete information on this MilesOne program will be sent to you after your account is opened. Capital One has the right to change or cancel this MilesOne program at any time.

³ Earn one mile for every dollar transferred from a non-Capital One account, up to 3,000 miles. Minimum balance transfer amount is $50. Maximum requested balance transfer amount is $20,000 and will be based on your approved credit limit.

⁴ Rates are subject to change if (i) you do not keep your Capital One account in good standing (for example: if you exceed your credit limit or you make a payment that is past due); or (ii) you do not maintain good standing on your other credit accounts and excellent performance with the credit bureaus.

Your minimum payment will be 3% of your outstanding balance or $10, whichever is greater, unless you have selected the option of the greater of 2% or $10. If your balance is less than $10, your minimum payment will equal your balance amount.

The information about the cost of the card is accurate as of 9/11/1999. The information may have changed after that date. To find out what may have changed, write to us at Capital One Customer Relations, P.O. Box 85015, Richmond, VA 23285-5015.

Miscellaneous Information

I hereby apply to Capital One Bank (Capital One) for a credit card account. Everything that I have stated in this Application is correct to the best of my knowledge. I understand that I must be 18 years or older as well as a U.S. citizen or permanent resident alien in order to apply. I understand that approval is based upon satisfying Capital One's credit standards, and that I may be ineligible if I have been approved for a previous Capital One offer. I understand that you will retain my Application whether or not it is approved. I authorize you to bill my approved Capital One credit card account for the amount(s) listed for balance transfers. I understand that I am applying for a transfer amount up to the total amount listed on my Balance Transfer Request. I understand that you will advise me if you are unable to process my payment request for any reason. In addition, Capital One will not be responsible for any charges billed to me for the account(s) requested for balance transfers and Capital One will process only those Balance Transfer Requests that can be transferred under my assigned credit limit. Capital One may answer questions about its credit experience with me. I will receive the Capital One Customer Agreement and am bound by its terms and future revisions thereof. This Application is nontransferable and is void to residents of the dependent areas of the U.S. An applicant, if married, may apply for a separate account. Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved. Capital One supports information privacy protection: see our website at www.capitalone.com.

California Residents: Applicants: 1) may, after credit approval, use the credit card account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. Ohio Residents: Ohio anti-discrimination laws require creditors to make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on individuals upon request. The Ohio Civil Rights Commission administers these laws. New York and Vermont Residents: Capital One may obtain at any time your credit reports for any legitimate purpose associated with the account or the application or request for an account, including but not limited to reviewing, modifying, renewing and collecting on your account. On your request you will be informed if such as report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the report. New York residents may contact the New York State Banking Department (1-800-518-8866) for a comparative list of credit card rates, fees, and grace periods. Notice to Married Wisconsin Applicants: No provision of any marital property agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual knowledge of the provision.

Finance Charge

1. Transactions which are not subject to a grace period are assessed Finance Charges from the date of the transaction or from the date the transaction is processed to your Account or from the first calendar day of the current Billing Period. Cash advances (the Cash Advance segment) and Special Transfers (if your account includes a special transfer segment) may not avoid Finance Charges.

2. Cash Advance, Purchase/Other Charges and Special Transfer or Special Purchase Segments (if your Account includes a Special Transfer or Special Purchase Segment).

The Finance Charge is figured by applying a daily periodic rate to the "average daily balance" (including current transactions for which you do not have a grace period) for each segment in your Account during the Billing Period. To calculate the "average daily balance" for each segment: a) take the daily beginning balance of each segment, b) add any new transactions and any Finance Charges from the application of the daily periodic rate to the previous day's balance to each segment, and c) subtract any payments or credits applied to your Account. Then for each segment, d) add up the daily balances for the Billing Period, e) divide the total by the number of days in the Billing Period, and f) the result is the "average daily balance" for each segment.

3. Determining Daily Periodic Rates.

Divide the corresponding Annual Percentage Rates by 365 and round up to the nearest 1/100,000th of 1%, not to exceed the maximum allowed by applicable law. If the daily periodic rates and corresponding Annual Percentage Rates increase, the Finance Charge will increase and your minimum payment may be greater. Refer to the IMPORTANT DISCLOSURES for daily periodic rates and Annual Percentage Rates.

Your Billing Rights
Keep This Notice for Future Use.

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL. If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, please provide the following information:

1. Your name and account number.
2. The dollar amount of the suspected error.
3. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.

If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE.

We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.

If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES. If you have a problem with the quality of property or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right:

(a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and
(b) The purchase price must have been more than $50.

These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.

If you are a guarantor or cosigner for the account, the following notice applies to you.

Notice to Cosigner

You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesn't pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount. Capital One can collect this debt from you without first trying to collect from the borrower. Capital One can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record. This notice is not the contract that makes you liable for the debt.