Credit Card Agreement for Williams Sonoma Key Rewards Card, Pottery Barn Key Rewards Card, West Elm Key Rewards Card, Key Rewards Card in Capital One, N.A.

Credit Card Agreement for Williams Sonoma Key Rewards Card, Pottery Barn Key

Rewards Card, West Elm Key Rewards Card, Key Rewards Card 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. 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).

Annual Percentage Rate

(APR) for Purchases

31.24%.

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

How to Avoid Paying

Interest on Purchases

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.

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.

Fees

Annual Fee None.

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

THINGS YOU SHOULD KNOW ABOUT THIS CARD

How Do Y

ou 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 will be updated quarterly and will take effect on the rst day of your Billing Cycles which end in February, May, August,

and November: Purchase APR: Prime plus 22.74%. 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

0.08559%. 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 Credit Plan, 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 Credit Plan as of that day. The result is the daily balance for each Credit Plan. However, if you paid your previous month’s

non-promotional balance in full (or if your balance was zero or a credit amount), new transactions which post to your purchase

or special purchase Credit Plan 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 Credit Plan, 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 Credit Plan, and 2) multiply the result by the number of days in the billing

period. We add the Interest Charges for all Credit Plans together. The result is your total Interest Charge for the Billing Cycle.

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 privacy notices;

(4) all disclosures and materials provided to you before or

when you opened your Account;

(5) any other documents and disclosures relating to your

Account, including those provided online; and

(6) 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 we accept;

(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 Limit

When you open your Account, we will tell you your credit

limit. This will also appear on your Statement. We may also

refer to your credit limit as your credit line.

You are responsible for keeping track of your balance and

your available credit. You must manage your Account to

remain below your credit limit. We may honor transactions

above your credit limit, 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 limit.

We may also increase, decrease, restrict or cancel your

credit limit 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 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) You must not use, or try to use, the Card for any illegal

activity. You are responsible for any charges if you do.

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

our services are unavailable due to reasons beyond

our control.

(10) You may use your Account for purchases at

participating retail locations that accept the Card.

Promotional Credit Plans

From time to time, we may offer one or more promotional

Credit Plans prior to, or at the time of, your purchase.

Only certain purchases may be eligible for promotional

Credit Plans. These Credit Plans may have special

repayment terms and are conditioned on your timely

payment of at least the required payment amount each

Billing Cycle.

1. Waived Interest Charge — With this plan there are no

Interest Charges on your purchase for a specied period.

2. Reduced Rate — With this plan, you will receive a

reduced Annual Percentage Rate (APR) on your

purchase for a specied period.

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

on any unpaid amount from the date of the transaction, date

the transaction is processed or the rst day of the Billing

Cycle. However, we will not charge you interest on any

new transactions posted to your Account if you pay your

“New Balance” in full by the due date on your Statement

each month. If you did not pay your “New Balance” in full

when due for a Billing Cycle, interest will continue to accrue

between the time that we calculate your “New Balance,”

as reected on your Statement, and when we receive your

payment. This interest will post on your next Statement.

That is why if you start accruing Interest Charges, you

generally must pay your “New Balance” in full for two

consecutive Billing Cycles before Interest Charges stop

posting to your Statement. If you have a Waived Interest

Charge or Reduced Rate Credit Plan balance, we will

exclude that promotional plan balance from the amount you

must pay in full to avoid Interest Charges. However, you

must still pay the full non-promotional purchase Credit Plan

balance displayed on your Statement each month, plus any

minimum payment due appearing on your Statement.

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.

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.

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 Credit Plans with different Annual

Percentage Rates (APR). If your Account has Credit

Plan 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

P.O. 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 your 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; 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) 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 Attn: Credit Bureau

Disputes, Capital One, P.O. Box 31293, Salt Lake City,

UT 84131-1293. 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

other terms of your Account, we will notify you as required

by law.

The Law That Applies to Y

our 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.

Glossary

• “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.

• “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 Pottery Barn, West Elm, Williams

Sonoma, or Key Rewards 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.

• “Credit Plans” mean the different parts of your Account

we may establish that are subject to unique APRs, pricing,

or other terms.

The sum of your Credit Plan balances

equals your total Account balance.

• “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.

• “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”.

• “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.

BR414371 M-133472 COF Customer Agreement 443