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wage your account amine et myrkerromoone ecm • Pay bolls • Crock your belam• • Per mow transactions Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123832 4)2 If Now can I Avoid Pain Interest Chime II you pay your statements Wen Odra,' in fdl by the due doe, we veil not

the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We a

OUNT _op in and range your account amine at wacapaalone win • pei bus • Crock your bblint• • A a, 'en transactions Ca ital One Bank (USA). N.A. Charlotte, NC 28272-1063 EFTA00123723 How can I Avoid Paving Interest Charges? If you pay your statemenrs New Balance in full by the due date, we will not

f days in the Riling Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Billing Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multgly the result by the number of days In the Bill

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paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daly Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the FC assessed on tha