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Annual Interest Rate	These interest rates are in effect on approval. Standard Rate for Purchases:14.9%. Standard Rate for Balance Transfers¹:14.9%. Standard Rate for Cash Advances²:19.8%. If you receive a Gold card, your minimum monthly payment for any given billing period is due by the date specified on the monthly statement for that period. If your minimum monthly payment for a billing period (the "first" billing period) is not received and remains outstanding by the due date of the second billing period, your rates will increase to29.9%. These new rates will be in effect on the first day of the third billing period. Example: If you miss the minimum payment due date for your December billing period, it’s very important to make your overdue minimum payment by the due date of your January billing period – otherwise your rates will go up starting on the first day in your February billing period. Once the increased rate is in effect, if we receive your minimum monthly payment by the due date for 9 consecutive billing periods, your rates will change back to the Standard Rates that apply to your account as defined above, starting from the first day of the 10^th billing period.
Interest-Free Grace Period	You will benefit from an interest-free grace period of at least 25 days on new purchases and standard balance transfers if you pay off your balance in full by the due date. There is a 0-day interest-free grace period on cash advances and special balance transfers³.
Minimum Payment	Payment Your required minimum payment will be the greatest of: he sum of the following, rounded down to the dollar: 1% of your new balance; any interest charges you may have; and 1/12th of your Annual Fee; plus any past due required minimum payment amount or $10 plus any past due required minimum payment amount If your required minimum payment exceeds your total balance, we’ll only require the total balance. If you are over limit by more than your required minimum payment, we’ll request the full over limit amount.
Foreign Currency Conversion	We will bill you in Canadian dollars when you use your card to make a transaction in a foreign currency. The transaction amount will be converted to Canadian dollars using the MasterCard rate of exchange current at the time MasterCard processes the transaction. When the converted transaction amount is posted to your account, we will add to the converted transaction amount a foreign currency conversion charge equal to 2.5% of the converted transaction amount.
Annual Fees	$79, charged as soon as you either activate your card or make a transaction on your Account, not including a balance transfer. Thereafter, the fee is charged annually in the same month the fee was first charged.
Other Fees	Applied at the end of your billing period: Over limit: $29, charged once if your account balance exceeds your credit limit at any time during the billing period. Inactive Account: $0 Applied on the date the transaction posts to your account: Cash Advance: 1% of the advance (minimum charge of $5, not to exceed $10). Standard Balance Transfer: 0% of the amount transferred. Special Balance Transfer: 3% of the amount transferred (unless waived or lowered). Dishonoured payment/cheque: $29 Statement Copy: $0

¹Standard balance transfers are transfers which you can make at the balance transfer annual interest rate stated above.
²Cash advances include wire transfers, money orders, bets, lotteries, gambling and casino gaming chips.
³Special balance transfers are promotional offers which may be extended to you in the future. The promotional interest rate will be disclosed at the time the offer is made.

Interest, when applicable, will be assessed as follows:

Dated transactions: from the transaction date.
Undated transactions and transactions made with Account Access Cheques: from the date the transaction is processed to your account.

You are guaranteed approval for a Capital One MasterCard.® If we are unable to issue you a Gold MasterCard, you will qualify for a Secured
MasterCard requiring security funds of $75 or $300. Benefits may differ depending on the card you receive.

Guaranteed Terms
You’re guaranteed to be approved – as long as you:

Are at least the age of majority in your province or territory of residence;
Don’t have an existing Capital One account or a pending application for one;
Haven’t applied for a Capital One account more than once in the last 30 days or had a Capital One account that was not in good standing in the last year; and
Provide security funds, if you’re approved for a Secured MasterCard

In addition, we have a number of checkpoints to ensure your identity stays safe. If we're unable to confirm your identity during the application
process, you'll need to go to a Canada Post outlet and provide further identification.

Agreement to Terms
If I am approved for a Secured card product, I agree to be bound by the terms of the Security Account Assignment Agreement. I understand that my security funds will be used as collateral to secure my credit card obligations. By submitting the Application Form, I am requesting that a credit card and security account to track my security funds be established in my name. I agree to be bound by the terms of the Capital One Customer Agreement; Security Agreement; and Security Account Maintenance Fee Schedule & Account Agreement Supplement that will be given to me after my account is open, and future revisions thereof.

Security Account Assignment Agreement
In this agreement, the words “I,” “my,” and “me” refer to the Applicant. As security for the performance of all of my obligations relating to my credit card account (“Account”), including repayment of all credit extended through my Account, I pledge and grant Capital One Bank and its assignees (collectively “Capital One”), a first-priority security interest in all funds, including any interest on such funds, now or hereafter delivered by me to Capital One (the “Funds”) as of the date of my delivery of such Funds to Capital One. Capital One will commingle the security Funds with other funds and will hold these Funds in a trust account (the “Deposit Account”) with a member institution of the Canada Deposit Insurance Corporation to be selected from time to time by Capital One. Capital One will establish a security account to track and account for my Funds. I unconditionally relinquish all possession and control over the Funds and acknowledge that Capital One will have full access to the Funds in the Deposit Account. Because the Funds are security for the credit card, withdrawals from the Deposit Account are prohibited. I agree to pay all charges and fees relating to my Account and the Funds, as disclosed to me from time to time by Capital One. I will not grant any other party any interest in the Funds. I also understand that my Funds will not be returned to me until all my indebtedness with respect to my Account is fully satisfied, all credit cards and access cheques have been returned to Capital One and all of my other obligations have been performed. If I have made a false or misleading material statement in the Application Form, if I exceed my credit limit, or otherwise default under the terms of the Capital One Customer Agreement or Security Agreement, or if Capital One or I terminate my Account, Capital One may, without notice to me or demand for payment, withdraw amounts from my Funds and apply such amounts in satisfaction of any obligations with respect to my Account. In addition, Capital One may exercise any other remedies permitted by my Account or the laws of the Province of Ontario. If Capital One hires an attorney to enforce its rights with respect to my Account or the Funds, I agree to pay Capital One all reasonable attorneys’ fees and court costs that Capital One has paid. These provisions are supplemented by the Security Agreement between me and Capital One; in the event of any inconsistency, the terms of the Security Agreement shall control.

Terms of Offer
By submitting the Application Form, the applicant ("I"):

Certify that the information provided is true and correct and understand that Capital One Bank (Canada Branch), ("Capital One"), will rely on this and other information in deciding to open a MasterCard Account ("Account");
Request that Capital One open an Account and issue appropriate MasterCard card(s) ("Card(s)") and Personal Identification Number(s) to me (including renewals and replacements from time to time);
Request that Capital One issue appropriate Cards to me for any Authorized User identified on the Application Form, as well as renewals and replacements from time to time;
Agree that use of the Account or Card(s) will confirm acceptance of Capital One's MasterCard Customer Agreement as amended from time to time (the "Agreement"), which will be sent with my Card(s) if approved;
Agree that I will be liable for any use of these Card(s) and all amounts charged to the Account. If, without my authorization, the Account is accessed by use of my Account Access cheques, card number, card, or my card and my PIN together in an ABM or similar equipment, I will not be held liable. If Capital One's investigation establishes that no misuse of the account, card, card number or PIN occurred, I will be liable for all transactions;
Acknowledge that if I am currently a Capital One cardholder or have applied for more than one Capital One account within the last 30 days, I will not be approved for this offer; and
Acknowledge that if I am currently a Capital One cardholder with a credit card account that is in delinquency or have had a Capital One account which has been charged off in the last year, I will not be approved for this offer.

Privacy Terms
We respect your privacy. Not only do we respect it, but we also protect it. We collect and provide your information as required for the standard operation of our business and as required by law. We may also release your information to companies that you have authorized us to release your information to, including service providers (such as the printers of our account statements), credit reporting agencies (like TransUnion and Equifax), our own affiliates and co-branding partners for co-branded rewards card. These companies must first meet our rigorous privacy standards before we partner with them to do business for you. We will not add your name to third-party marketing campaigns for the first 30 days after the opening of your account to give you an opportunity to make your privacy choice known to us. You can tell us your privacy preferences by writing to us at the following address:

Attention: Privacy Officer
Capital One Canada
P.O. Box 508, Scarborough Stn D
Scarborough, ON M1R 5L6

You can tell us your privacy preferences by calling 1-888-817-3887. If you have a sensory disability such as a hearing impairment or blindness, you may call our toll-free number at 1-800-219-1009. You can visit our “Contact Us” page on our Web site at www.capitalone.ca. If you are not a customer with us and would like to be removed from our marketing list, go towww.capitalone.ca/privacypolicy and fill in the form.

information comes from lists like the telephone book. When a consumer applies to be our customer, we collect the information given during the application process (such as the consumer’s name, address, telephone number and date of birth). We want you to understand why we collect and use information about you and how this can benefit you. By knowing more about our customers, we and our business partners can provide specialized products that may be of interest to you and your family. We collect and use information about consumers and customers so we or our service vendors (whether engaged by or on behalf of us or any of our assignees) can use it in the following ways:

to open, maintain, service, process, analyze, survey, audit, and collect on an account;
to verify your identity and credit worthiness;
to protect you from identity theft, fraud, and unauthorized access to your account;
to share application and transaction information with consumer reporting agencies and other parties who have financial, employment or business dealings with you;
to determine your eligibility, administer and contact you for the purposes of marketing, promotions, rewards programs, research or contests; and
to use for any purpose required by law.

In addition, we may use your information in order to identify your preferences and determine your eligibility for special offers and discounts, if approved, or to make another offer to you or analyze your application (including your credit reports) even if you are declined for this application. This information may also be shared with any person or entity to which we have assigned or transferred an interest in your account or any debt or interest due under the terms to be provided in the Customer Agreement. This will apply upon your approval, and/or any of our rights and obligations under the Customer Agreement, including any subsequent assignee or transferee.

We may contact you by e-mail using the e-mail address you provided for special offers or standard service messages. To ensure your security, we will not include sensitive information in an e-mail such as your full 16-digit account number, date of birth, Social Insurance Number (if provided) or account balance. In the event that a service vendor is located outside of Canada, the information on file for you or an authorized user may be processed and stored outside Canada and foreign governments, courts of law enforcement or regulatory agencies may be able to obtain disclosure of this information. If you apply for credit, or by communicating or providing information to us in any other way, you acknowledge your consent for personal information collection, protection, use, disclosure and retention as set out herein. Subject to legal and contractual restrictions, you may withdraw your consent at any time after your account has been opened with reasonable notice.

Privacy Terms for Authorized Users
We or our service vendors (whether engaged by or on behalf of us or any of our assignees) may collect, use and disclose personal information of authorized users such as name and details of their transactions to: open, maintain, service, process, analyze, audit and collect on the account (notwithstanding that authorized users will not be held liable for the account); protect the account from identity theft, fraud and unauthorized access; and for any purpose required by law. All information on file for authorized users may be disclosed to the applicant. All information may also be shared with any person or entity to which we have assigned or transferred an interest in the account, or any debt or interest due under the terms to be provided in the Agreement, if approved, and/or any of our rights and obligations under the Agreement (including any subsequent assignee or transferee).

If you want to learn more about our privacy policies, please call us toll-free at 1-800-481-3239 or review the Capital One Privacy Statement included in the Customer Agreement you will receive as part of your Welcome Kit.

Insurance Benefits
You will receive the details of your coverage, including terms, conditions, limitations and exclusions, in the Certificate of Insurance provided with your card, and in the Distribution Guide if you are a resident of Quebec.

Contacting Us & Complaint Resolution
If you have a customer service complaint or any other concern, you can call us at 1-800-481-3239 or write to us at P.O. Box 503 Stn D, Scarborough, ON, M1R 5L1. If your concerns are regarding our compliance with federal consumer protection law, public commitments, or industry codes of conduct, you can contact the Financial Consumer Agency of Canada at its office at 427 Laurier Avenue West, 6th Floor, Ottawa, ON K1R 1B9, or through its website at www.fcac-acfc.gc.ca. Please visit www.capitalone.ca/concerns for our most current complaint resolution process.

Personal Use
You agree that you will use your Card and your Account for personal, family or household purposes only and will not use your Card or your Account for any other purpose, including for business or commercial purposes.

Capital One ® Important Disclosures