Visa^® Business Platinum with Preferred No Hassle Miles^SM

 and get a response in as little as 60 seconds!

Annual Fee	$0
Credit Line	Up to $20,000 and no less than $500
Introductory APR on purchases	0% through August 2009 billing period
Non-introductory APR for purchases and transferred balances	A variable rate currently equal to 14.99%, 17.99%, or 19.89%.  (LIBOR plus 12.30%, 15.30% or 17.20%). Rates in effect as of 06/01/08.
Non-introductory APR for cash advances	A variable rate currently equal to 22.89% (LIBOR plus 20.20%). Rate in effect as of 06/01/08.
Grace period on new purchases	25 days from the date of the periodic statement on new purchases (provided you have paid your previous balance in full by the due date).
Default APR	A variable rate of Prime plus 19.9%, currently equal to 24.90%. Rate in effect as of 6/01/08.

 Unless otherwise notified, all balances transferred will receive the Transfer APR described above and will be posted to the Special Transfer segment of your account.

• Returned payment fee: $39. 

How Your APRs Could Change: Your variable APRs can go up or down as the LIBOR or Prime rate goes up or down. Your introductory APRs may expire and increase to your non-introductory APRs if your payment is received late (3 or more days after your payment due date). We may increase your APRs to the Default APR disclosed above if your payment is received late twice within any 12 billing periods. If we increase your APRs to the Default APR, we will return you to your non-introductory APRs if you make at least the minimum payment on time for 12 consecutive billing periods.  In the future, we may increase your APRs if market conditions change. If we increase your APRs for any reason other than an increase in the LIBOR or Prime rate, or if you paid late as disclosed above, we will notify you in writing of your options in advance, including the right to opt out.

How Your Credit History Could Affect Your APRs: We do not engage in a practice known as "universal default." Universal default permits a credit card company to increase your APRs solely because you fail to make a payment on a loan with another lender or your credit history contains other negative information. If we increase your APRs for any of the reasons disclosed above, we may review your credit history to determine (a) that we should not increase your APR, or (b) the level of the increase, if any.

How Your Variable Rate is Calculated: Your Purchase, Transfer and Cash Advance APR(s) are based on an index, specifically the (1) month London Interbank Offer Rate (LIBOR) that appears in the "Money Rates" section of The Wall Street Journal on the 5th day of each month or, if not published on that date, then the immediately preceding publication date.

Your Default APR is based on another index, specifically the Prime Rate of interest that appears in the "Money Rates" section of The Wall Street Journal on the the 25th day of each month, or if not published on that date, then the immediately preceding publication date.

Minimum Payment: Your minimum payment will be the greater of 3% of your outstanding balance or $10. If your balance is less than $10, your minimum payment will equal your balance.

How We Apply Payments: We will apply your payment to pay off lower rate balances before paying off higher rate balances.

¹ Cardholder will earn 2 miles per dollar on travel and entertainment purchases currently including airlines, car rentals, cruise lines, trains, cabs, buses, travel agents, hotels, restaurants, movie rentals and theaters, timeshares, bowling alleys and billiard halls and 1 mile per dollar on all other purchases. For mileage on a particular purchase to be credited to the account at the increased level, the purchase must be assigned to designated merchant category codes. Reward applies to total net purchases only (purchases minus credits and returns). It does not include cash advances, transferred balances, purchase checks, access checks, convenience checks or traveler’s checks. Rewards do not accumulate for fees of any kind, such as finance charges, late payment fees, annual fees and related service charges, unauthorized charges, and ATM transactions. Rewards will be calculated as specified above and then rounded to the nearest whole increment. If a late fee is charged to the account, the cardholder will forfeit any earnings applied to the rewards balance during the billing cycle containing the fee. The account must be open and in good standing (not past due, overlimit, fraudulent, restricted, or part of a consumer credit counseling program or bankruptcy settlement) to redeem rewards. Capital One has the right to change or cancel this rewards program at any time.

The number of miles required for travel redemption (i.e. Airfare, Hotel, Cruises, travel packages) will depend on the cost of the itinerary chosen at the time of redemption. The mileage requirement is as follows:

The number of miles required to redeem for other travel related purchase redemptions (i.e. restaurants, maps, or any other purchases related to your travel needs) is based on the Cardholder’s chosen purchases, multiplied by 200 (e.g., if the cost of the purchase chosen by the Cardholder is $50.00, the miles required for redemption will be 50 x 200 = 10,000). Once approved, the Account holder can visit www.capitalone.com/nohasslerewards to register the account and see a complete description of current redemption offers Account holder will have a maximum of 90 days from the date the travel purchase posts to their account to call the Rewards Center to be reimbursed for the cost using the appropriate number of miles, if available. Account holder is responsible for all associated taxes, fees and other costs required for travel. These charges will be included in the overall calculation to determine the appropriate number of miles required for redemption.

² Your Capital One Visa Business Card account must be open and in good standing (not overlimit or past due) and must have had at least one transaction in the last calendar year to receive a Year-End Summary.

TERMS OF OFFER
The Authorizing Signatory and the Company, through the Authorizing Signatory, hereby:

1. apply to Capital One Bank (USA), N.A. (Capital One) and request that Capital One establish a Capital One Visa Business Card account and issue a credit card on the account to the Authorizing Signatory whose signature appears on this application and to all Authorized Users for whom additional cards are requested;
2. agree to be bound by the terms and conditions of the Customer Agreement and Addendum, and future revisions thereof that will be sent to them after the account is opened, including the provision therein that the Customer Agreement and the account will be governed by Virginia and federal law; Arbitration: I understand that the Customer Agreement contains an Arbitration Provision that may limit my legal rights, including my right to go to court, to have a jury trial, and to participate in class actions;
3. acknowledge and agree that all cards and convenience checks will be used solely for business or commercial purposes and not for personal, family or household purposes;
4. agree that the Company and the Authorizing Signatory will be liable for all transactions made with all cards and convenience checks on the account, and anyone issued a card on the account as an Authorized User will also be liable for all transactions made with their card;
5. acknowledge that each "Authorized User" is duly employed by the Company as of the date a card is requested for such Authorized User;
6. agree to be individually, jointly and severally liable for all charges to the card(s) issued to the above "Authorized Users";
7. authorize the receipt and exchange of credit information on both the Authorizing Signatory and the Company, including the exchange of information between the Issuer and its affiliates. Our agreement terms (for example, rates and fees) are subject to change. Everything that is stated in this application is true to the best of our knowledge. We understand that the Authorizing Signatory and each Authorized User must be 18 years or older and a U.S. citizen or permanent resident alien and that the Company must be a U.S. business to qualify for this offer. In addition, we understand that the Authorizing Signatory must hold a position, such as owner or president, having the authority to legally bind the Company. We understand that approval is based upon satisfying Capital One's credit standards. We may be ineligible if we have responded to a previous offer for a Small Business Credit Card issued by Capital One within the last 45 days or if we have been approved for a previous offer of a Small Business Card issued by Capital One. We understand that Capital One will retain our application whether or not it is approved. This offer is nontransferable and is void to residents of the dependent areas of the U.S.

You may receive offers in the future that offer new account terms. If you accept one of these offers, you will be accepting all of the account terms of the new offer, including any fees such as transfer fees.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR OR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you apply for or open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you.

MISCELLANEOUS FEES

• Cash advance fee: 3% of amount of the cash advance, but not less than $10.
• Transferred balance fee: none.
• Late payment fee: Your late payment fee will be based on the amount of your account balance at the time the fee is applied. Balance of $0 - $99.99 = $15 fee; balance of $100 - $249.99 = $29 fee; balance of $250 or more = $39 fee.
• Over-the-credit-limit-fee: $39.
• Copying Charge: $3.00 for a copy of a Periodic Statement and $13.00 for a copy of a Visa transaction or $2.00 for a copy of a MasterCard transaction (fee imposed per copy).

IMPORTANT STATE-SPECIFIC INFORMATION

• California Residents: Applicants: 1) may, after credit approval, use the credit card account up to its credit limit; and 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.
• Married Wisconsin Residents: 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.
• 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 a 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.