ShareBuilder Agreements

General Terms and Conditions

1) Acknowledgements and Representations

First things first: When you see "ShareBuilder," we're talking about the brokerage services and website offered and operated by Capital One ShareBuilder, Inc. When your eyes see the words "our", "us", "we" or Capital One ShareBuilder, we're referring to Capital One ShareBuilder, Inc.

By opening an account with us, you're agreeing that you've read and completely understood our exciting Terms and Conditions, and our separate, but equally riveting Privacy Policy.

Sometimes we make changes to the Agreement you're currently reading. We'll let you know when this happens either through email or an account alert. When this Agreement is modified, we'll give you 15 calendar days to let us know you don't agree with these changes, and that you'd like to close your account.

Keep in mind, ShareBuilder is a service for self-directed investors. That means you pick all your own investments and assume all responsibility for your investments — even the ones that turn out to be less than extraordinary. Market values can and do change quite frequently.

You also agree to receive all communications from us via the World Wide Web or email. Such communications include, but aren't necessarily limited to:

If you saw a ShareBuilder or Capital One ShareBuilder advertisement on a bank or credit union website, and are opening a ShareBuilder account because of this well-placed advertising, you agree to acknowledge that:

At Capital One ShareBuilder, we treat you and the rest of our customers with honesty and fairness and we ask for the same in return — thanks in advance.

Most people have good intentions, but a select few choose not to play by the rules. If you're one of those few, and we find out that you intentionally lied or entered false information at the time of your account application, or thereafter, we will close your account and we will also take legal action if appropriate.

2) Definitions: ShareBuilder ®

We offer the ShareBuilder Service, or "ShareBuilder," which allows you to build your portfolio through periodic purchases of selected securities.

Take a look at these page-turning details:

Automatic Investment Plans

Through ShareBuilder's Automatic Investing Plan ("AIP"), you have the ability to invest specific dollar amounts in stocks, mutual funds and Exchange-Traded Funds. These dollar-based investments are aggregated with the purchases of other ShareBuilder customers and entered by us as market orders. Aggregation of AIP orders for the same stocks helps us keep execution and processing costs to a minimum. The aggregated orders are then allocated to individual customer accounts based on their proportional participation in the entire transaction.

The Automatic Investment Plan is on a transaction cycle. You have the ability to choose the frequency of your Automatic Investment Plan. The choices are one-time, weekly, bi-weekly or monthly. Thus, once you've chosen a security and an investment day, you'll have your own Automatic Investment Plan.

The week(s) you choose to invest each month is up to you, and is usually done at a time that is convenient for you to fund your brokerage account through an electronic funds transfer or other means.

Trade Now

Trades through "Trade Now" are standard brokerage transactions. Through ShareBuilder, you can make share-based buys and sells of most publicly traded securities.

Trades are executed in a manner and time appropriate to your specific instructions:

Trade Now trades cost more than Automatic Investment Plan transactions.

Capital One ShareBuilder, Inc., Stocks and ETFs

We offer a broad range of securities covering approximately 90% of the US equity markets. Only stocks on our ShareBuilder Stocks list may be purchased through us. The ShareBuilder Stocks list is revised regularly at our sole discretion. Certain stocks that you purchase may be removed from the ShareBuilder Stocks list. If this occurs, you understand and agree these stocks won't be available to purchase through us any longer. If you've bought a stock through Capital One ShareBuilder, Inc., and it's subsequently removed from the ShareBuilder Stocks list, you can still sell your shares.

Only stocks on the ShareBuilder Stocks list that are listed on a National Securities Exchange (NYSE, AMEX or NASDAQ) may be transferred into Capital One ShareBuilder. We will return and/or reject certificates sent or electronically transferred to us not meeting this requirement and you agree to hold us harmless for doing so.

Trailing Stops Terms of Service

Capital One ShareBuilder will do its best to ensure best execution, but at the end of the day trailing stops invariably involve certain unique risks. If you are not willing to accept these risks, you must use a conventional order type such as a market, stop or limit order.

Capital One ShareBuilder’s trailing stop service is provided "as is" and there may be delays, omissions or inaccuracies in the service. Capital One ShareBuilder is not responsible for trailing stop orders affected by system failures nor for trailing stop orders affected by quote data issues. Trailing stop orders face risk from data transmission errors, including errors involving quote data. In the event of misquotes (e.g. a bad tick) or failure to receive a quote, orders may be erroneously delivered, or may fail to be delivered to the market center. On occasion, rapid quote movements or out of range quotes may trigger your stop condition. In an effort to avoid some of the market data risks, we exclude trades that:

Trailing stop orders face risk from mechanical malfunction, system disruptions, some types of corporate actions (e.g. cash dividends), and bad ticks, among other factors. You are responsible for reviewing and maintaining your trailing stop orders in order to avoid conflict or duplication of orders. Capital One ShareBuilder does not guarantee that conflicting orders will be prevented, and resolution of conflicting or erroneous trailing stop orders will be at your risk and expense. Capital One ShareBuilder, its agents, and information providers, cannot, and do not, guarantee the accuracy, sequence, completeness, timeliness, merchantability or fitness for a particular purpose of this service.

Neither Capital One ShareBuilder nor any of its agents and information providers, shall be liable to you or to anyone else for any loss caused in whole or in part by its negligence or omission in entering or not entering orders or interpreting, reporting, or delivering any information or data through this service. This includes your waiver for any consequential, special or similar damages, including but not limited to lost profits, trading losses, damages resulting from inconvenience, or loss of use of the service. This service may be discontinued or limited at any time and without prior notice.

Trailing stop orders have unique risks, and by continuing to utilize this service you acknowledge that you have read, understood and will abide by the above disclosures, terms and conditions as they are modified and posted on the applicable software, website or other electronic medium through which you access this feature. A trailing stop order is subject to automatic cancellation pursuant to the open order cancellation schedule.

The Trade Date

The Trade Date is the market day a buy or sell is executed within your ShareBuilder account. The Settlement Date is the Trade Date plus three (3) business days for stocks and one (1) business day for mutual funds and options.

Mutual Funds

Mutual Funds may also be bought or sold through ShareBuilder.

Mutual funds aren't FDIC insured, aren't guaranteed by a bank, and may lose value.

You should read and carefully consider information contained in the prospectus, including, but not limited to:

3) ShareBuilder Mobile Terms and Conditions

Acknowledgements and Representations

First things first: ShareBuilder Mobile is a service provided by Capital One ShareBuilder, Inc. (that's us). When your eyes see the words “our”, “us”, and “we” it refers to Capital One ShareBuilder, Inc.

By using our mobile application ("ShareBuilder Mobile"), you kindly acknowledge and represent that:

Network Usage

Capital One ShareBuilder doesn’t charge a fee to use ShareBuilder Mobile. But, your mobile service provider may charge you a data network usage fee.

Content and Service Limitations

Most mobile devices have a limited screen size, which means regulatory disclaimers and other important content and notifications found on the ShareBuilder web site may not appear within ShareBuilder Mobile.

Before using ShareBuilder Mobile, you acknowledge you’re familiar with the disclaimers, notifications and other information contained in the ShareBuilder web site and you acknowledge that they also apply to your use of ShareBuilder Mobile.

Further, we’ve made only certain services and market content available within ShareBuilder Mobile. Thus, you acknowledge and accept these limitations.

Market Data, News, Quotes, and Other Information

ShareBuilder Mobile is for your personal use, only. Therefore, you kindly agree not to retransmit or republish (in any form), the market data, news, and other information available in ShareBuilder Mobile.

The information we provide to you is from third party sources, which we believe to be reliable. You accept that the information is presented to you on a best efforts basis and that Capital One ShareBuilder doesn’t guarantee the accuracy or completeness of any information.

You agree to waive any claims against Capital One ShareBuilder, its affiliates and its successors related to third party sources. You also acknowledge any third party information we provide to you through ShareBuilder Mobile doesn’t constitute a recommendation to buy or sell any security.

Wireless Transmission Errors, Limitation

Further, you acknowledge that wireless coverage limitations, wireless data transmission errors, device errors, and other factors outside of Capital One ShareBuilder’s control can impair the reliability of data transmissions to and from your telephone or other mobile device while you’re using or attempt to use ShareBuilder Mobile. This includes (but is not limited to) quotes or other market information, which may be corrupted or delayed due to wireless transmission errors. Thus, transactions you place might be delayed or lost due to such transmission errors, and other problems may occur that are beyond Capital One ShareBuilder’s control.

If you are experiencing connectivity problems, data transmission issues or other mobile device errors, Capital One ShareBuilder recommends that you complete the desired actions through the web site at www.sharebuilder.com and not through ShareBuilder Mobile. You waive any claims against Capital One ShareBuilder, its affiliates and successors relating to any and all errors, losses or other claims caused directly or indirectly by wireless coverage limitations, wireless data transmission errors, device errors, or ShareBuilder Mobile errors.

Data Security and Privacy

Although Capital One ShareBuilder has employed encryption, firewalls, and other precautions to protect the security, integrity and confidentiality of data you transmit via ShareBuilder Mobile, wireless data transmissions may be more vulnerable to interception, and certain wireless devices may be more vulnerable to intrusion by persons seeking to exploit and misuse your data or data transmissions.

You agree to keep your mobile device secure and to accept all risk of loss or other harm caused by use of wireless communications to view and transmit information and engage in transactions using ShareBuilder Mobile.

You waive any claims against Capital One ShareBuilder, its affiliates and its successors relating to losses or other harm caused by data security or other privacy breaches arising out of your use of wireless communications and ShareBuilder Mobile.

Capital One ShareBuilder uses Omniture to track ShareBuilder Mobile app usage. Although Capital One ShareBuilder does not allow Omniture to capture or transmit any detailed transactional, banking, credit card, or other personal financial information, the data collected does include the nature of the service used and a unique customer identifier that Capital One ShareBuilder (not Omniture) can use to associate the data with individual customers. This data will be used to improve ShareBuilder Mobile and the services we offer. To learn more about Omniture, visit their website at www.omniture.com.

Waiver, Modifications and Amendments

At our sole discretion and without prior notice, we may amend this agreement at any time.

After we post an amended agreement, your continued use of ShareBuilder Mobile lets us know you accept any and all changes within this agreement.

A copy of this agreement is available for your viewing pleasure on the ShareBuilder web site and inside ShareBuilder Mobile.

4) Services and Charges

This section is a bit of a mixed bag. So, it may jump around a bit, but it's all important.

When you buy or sell securities, Capital One ShareBuilder acts as your broker.

When you enter a buy or sell order, you agree to take full responsibility for this decision and to not hold us or any of our employees liable for your investment decisions.

We reserve the right to refuse any account and to decline or change any order at our sole discretion (deep breath, okay, let's keep reading).

You agree to pay the applicable transaction costs, charges (including any extraordinary surcharges passed to us by certain exchanges), and taxes that may apply at the time services are rendered to your account.

If you'd like to see a schedule of standard transaction costs or charges related to your ShareBuilder account, please refer to the "Pricing" area of the website.

Important head's up for Automatic Investing Plan enthusiasts: Transaction costs will come out of the specific dollar amount you invest for Automatic Investment Plan investments.

When you make a Trade Now trade, transaction costs are added to the actual cost of the shares, while transaction costs are deducted from the proceeds for sell orders.

All other charges may be deducted from your account balance, or covered by electronic funds transfer or separate payment.

See "Pricing Programs - Basic and Advantage" regarding credit card payment option for subscription costs.

Some charges are out of our hands, so it may look like we're the bad guy in some cases, but in reality that's not the case. If an agent for a corporate action imposes a charge for a security you hold, we reserve the right to pass this cost on to you.

Capital One ShareBuilder further reserves the right to change its Pricing & Rates — at any time. We'll do this by posting a modified Pricing & Rates schedule on the ShareBuilder website.

A request to cancel a Trade is only a request and, as such, cancellation of any given trade is not guaranteed. We'll try our best to get your cancel request in, but markets move quickly. We process cancel order requests on a best efforts basis. If we're unable to cancel your order, you agree to be bound to it. As a general rule, market orders are subject to immediate execution and cannot be canceled during market hours.

To close out this section — some important final details

Price quotes shown for stocks and Exchange Traded Funds reflect the most recent price reported for that security in the market. Such quotes in no way guarantee that your trade for the same security will execute at or near the quoted price. Share prices can change rapidly during the trading day, especially prices for low-priced and/or thinly traded shares, and quotes shown after the markets are closed often bear no relation to the price a stock or Exchange Traded Fund might start trading at the next trading day. To protect yourself from unexpected price swings, you should consider using Limit Orders instead of Market Orders. If you place a Market Order and the trade executes in the market at a cost more than the estimated cost based on the displayed quote, you must pay the entire cost of the trade by Settlement Date, even if that amount exceeds the cash available in your ShareBuilder Account.

5) Pricing Programs - Basic and Advantage

Subscription Costs

Once you've paid a monthly subscription cost for the Advantage Pricing Program, it isn't refundable. Also, your free automatic investments that aren't used in the current month aren't rolled forward to future months.

When you sign up for the Advantage pricing program, the subscription starts immediately. The subscription cost is not pro-rated based on number of days or weeks remaining in the month. In other words, the Advantage pricing program has a flat rate regardless of the day of the month you begin your subscription.

When the method you've chosen to pay the subscription cost either reverses or fails, we reserve the right to collect the subscription cost from your account's cash balance. This is done to make sure the Advantage pricing program you've selected continues. However, if the monies aren't available in your cash balance at that time, your Advantage pricing program will change to Basic.

If your method of payment either reverses or fails, we reserve the right to appropriately re-calculate and/or assess transaction costs applicable under the Basic pricing program. Thus, moving you back to the Basic pricing program is only done if the subscription cost for Advantage cannot be collected from your account's cash balance.

Pricing Program Order Cancellations

A subscriber of the Advantage Pricing Program who cancels automatic investments on the fourth (or fifth) Monday or Tuesday of any given month, should be aware this may result in the loss of one or more free automatic investments for that month.

And, depending on your number of scheduled investments, this might result in transaction costs on one or more automatic investments that should have been free under your pricing program. This may occur if, on the fourth Monday or Tuesday of a month, you cancel one or more automatic investments scheduled to occur that Tuesday, and those canceled orders have already been "written" by Capital One ShareBuilder as one of your free automatic investments for that month.

If this occurs and you're charged for transactions that should have been free, you will automatically receive a corresponding number of free automatic investment credits, which can be used in the following month.

If you don't receive your automatic investment credits, please contact ShareBuilder Customer Service (check out Section 30 for contact information).

Pricing Program: Changing and/or Unsubscribing

In the event you change from the Basic pricing program to Advantage at any time during the month, you'll want to re-enter any pending trades (including limit orders) in order to receive the lowered transaction costs available for Advantage pricing program subscribers.

When you change pricing programs, transaction costs on all trades that we've already processed aren't refunded. However, automatic investments occurring prior to a change of pricing programs are included in the number of free automatic investments under the new pricing program for that month.

When you unsubscribe from the Advantage pricing program in the middle of the month, this doesn't result in any rebate of the Advantage subscription cost for that month. And, this move to the Basic pricing program becomes effective the beginning of the following month.

During the remainder of the month for which you've already paid an Advantage subscription cost, you continue to receive lowered investment transaction pricing and all other benefits of that particular pricing program.

6) Governing Laws and Jurisdiction

By opening one or more accounts with Capital One ShareBuilder and by agreeing to these Terms and Conditions,

7) Service Not Available Outside the United States or to Non-Resident Aliens

One of the best compliments we get is when someone outside the 50 U.S. states wants to use Capital One ShareBuilder's products and services.

However, if you reside outside the 50 U.S. states, we'll have to just admire each other from afar. Our products, services and website aren't generally offered or available to anyone located outside the 50 U.S. states. This includes U.S. citizens residing or working abroad.

Also, at this time, we don't accept accounts for non-resident aliens who require a Form W-8 for tax-withholding.

We make no representation or guarantee regarding our compliance with local laws in foreign jurisdictions, or regarding the appropriateness of our website's content or its compliance with such local laws.

You understand that our website is the only means of accessing your ShareBuilder account and completing your Capital One ShareBuilder brokerage transactions. Your inability to access the ShareBuilder website in certain foreign countries could result in your inability to access your brokerage account or to complete transactions.

You agree that we shall not be liable for any losses or damages you incur as a result of the unavailability of the ShareBuilder website from foreign countries.

8) Accuracy and Notification

You represent and warrant that the information you supplied on your Account Application is accurate, and you agree to notify us in writing or by electronic communication of any changes in information. You also agree to notify us by the same means if you are or become: a) employed or affiliated with a stock brokerage firm, bank, trust company, insurance company or securities exchange; b) an officer, director, affiliate or 10% shareholder of a publicly traded company. You agree to indemnify and hold Capital One ShareBuilder and its successors and affiliates harmless from and against any and all damage, cost, judgment, liability, loss, award, settlement, tax, penalty, action, expense or fee (including reasonable attorneys' fees and costs of collection) of any nature, and claims therefore (collectively, "Losses") arising out of or relating to your failure to provide accurate information on your Account Application or to update that information as required. You further represent that no other person has an interest in your account except those persons you have disclosed in the Account Application.

9) Joint Accounts

Any joint holder may individually, without notice to other joint holders, authorize Capital One ShareBuilder to buy, sell, tender, or exchange securities in the account and to receive any monies or securities into the account. However, separate written instructions, manually signed by all holders, are required to disburse or transfer any assets out of the account in a form or to an account not bearing registration identical to the subject ShareBuilder account. Any notice, verbal, or written, we give to one account holder will be considered given to all account holders. Upon the death of any account holder, the surviving account holder(s) must give reasonably prompt notice to Capital One ShareBuilder. The surviving account holder(s) will be the owner(s) of the account and continue to be subject to the terms of this Agreement. Each account holder is jointly and severally liable to us for any obligation or liabilities arising in connection with the account. We may use reasonable discretion in making any disbursements or transfers in the name of the account holders shown on the accounts. If we become aware of a dispute between or among account holders, we reserve the right, but are not obligated, to place restrictions on the subject Account and/or related Accounts and to maintain such restrictions until we are satisfied in our own discretion that the dispute has been resolved following receipt of satisfactory documentation or a notarized instruction signed by all account holders. We may also, at the expense of the account holders, commence or defend any action for or in the nature of interpleader to have the dispute resolved judicially. If a suit or proceeding for or in the nature of interpleader is brought by or against Capital One ShareBuilder, we may deliver the account into the registry of the court, at which time we will be deemed to be and will be released and discharged from all further obligations and responsibilities under this Agreement.

10) Obligations of Fiduciaries

Capital One ShareBuilder does not review any action or inaction of a Fiduciary with respect to any ShareBuilder account and disclaims responsibility for determining whether a Fiduciary's conduct satisfies applicable standards of care, as well as for determining the validity of a person's or entity's status or capacity to serve as a Fiduciary. Any Fiduciary using the ShareBuilder Service agrees to indemnify and hold Capital One ShareBuilder, its successors and its affiliates harmless from and against any Losses arising out of or relating to any act, error or omission of the Fiduciary. A custodian of a UTMA, UGMA or Education Savings Account is responsible for all activity in the account and all transactions in the account will be deemed to be the result of actions of the Custodian. The custodian agrees to indemnify and hold Capital One ShareBuilder, its successors and its affiliates harmless from and against any losses arising out of or relating to any act, error or omission of the custodian or the minor.

11) Account Approval/Termination and Authorization to Obtain Consumer Report

This Agreement will be effective only upon our approval of your Account Application. As part of its account opening procedures, and under other circumstances it reasonably deems appropriate, Capital One ShareBuilder reserves the right to obtain one or more consumer reports on all potential and existing account holders. Consumer reports may contain information bearing on your creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living. You hereby consent and authorize Capital One ShareBuilder or its authorized agents or successors to: obtain from a consumer reporting agency one or more consumer reports on you to be used in evaluating whether to open and approve a new account for you or on your behalf, or to maintain any such account(s); and (ii) to provide to such consumer reporting agency any information you have provided to us in your Account Application. On written request, Capital One ShareBuilder will advise you whether it obtained credit reports, and, if so, will provide the name and address of the reporting agency that furnished the reports. You further authorize Capital One ShareBuilder to share such credit bureau information with its parent corporation, ShareBuilder Corporation. ShareBuilder reserves the right to report to consumer and securities credit reporting agencies any debit balance or negative credit information pertaining to any ShareBuilder account. Capital One ShareBuilder further reserves the right to reject an Account Application for any reason.

We may terminate any or all services rendered under this Agreement at any time and for any reason. The account holder may close his or her account at any time by giving notice to us in accordance with the instructions published in the "Customer Service" area on the ShareBuilder website. Upon termination, you will remain liable for any deficiencies or debit balances in the account. You agree to reimburse us for any collection costs relating to any unsecured debit balance in your account, including attorney's fees, court costs, and interest. This agreement to reimburse Capital One ShareBuilder for any collection costs does not apply to any claims submitted to arbitration under FINRA Rule 12200 or its successor.

12) Right of Offset and Liquidation

All assets held in any account, now or in the future, shall be subject to a general lien for discharge of any indebtedness you have to us. These assets shall be held by Capital One ShareBuilder as security for payment of any liability you may have with the company. In the event you do not fully meet a settlement obligation, we may, without further notice, take action, including but not limited to: liquidating or canceling the transaction; transferring securities or money from any other of your ShareBuilder accounts; liquidating securities from any such ShareBuilder accounts and applying the proceeds from such sales to your debt or liability to ShareBuilder; purchasing or borrowing securities to make delivery. You are responsible for commissions and all costs and losses arising from these actions.

13) Settlement

All transactions are on a "cash only" basis. You agree that prior to placing a purchase order for securities, you will provide a valid and sufficient authorization to us for electronic funds transfers from an account at another financial institution(s) over which you have valid signatory authority and/or you will otherwise deposit sufficient funds with us on or before trade date. You also agree that prior to placing a sell order, you will present securities in "good delivery form" for deposit with us as necessary.

14) Non-Sufficient Funds Policies

We reserve the right to cancel or cover any transaction which is the subject of a returned check or electronic funds transfer reclamation. A service fee will be charged for such instances. Securities held in an account at Capital One ShareBuilder, Inc. may be liquidated to cover any indebtedness to ShareBuilder. We also reserve the right to restrict your ability to withdraw funds until such time as we are reasonably assured that all deposits or other items in your account have cleared.

15) Fraud

In cases of fraud or theft by you, acting alone or in concert with others, involving, among other things, use of counterfeit checks, checks drawn on closed or non-existent accounts, checks stolen from third parties, unauthorized electronic funds transfers from bank accounts belonging to others, attempted electronic transfers from non-existent accounts or similar illegal or improper conduct involving account funding or withdrawals, and including situations in which you have allowed third parties to use your account in any such manner, Capital One ShareBuilder shall assess against you, in addition to all other fees, damages and penalties to which it may be entitled, a $500 fee per forged, faked, fictitious, stolen or otherwise unauthorized item or transfer. This fee shall constitute liquidated damages to compensate Capital One ShareBuilder for the time and effort of its employees in rectifying said conduct.

16) Priority of Balance

If you're using the Automatic Investing Plan, buy orders will only happen if your ShareBuilder account contains the exact cash balance needed to cover all specified purchases. In fact, the exact cash balance needed to cover all of your buys has to be available on the morning of your scheduled transactions.

For example, if you've created a plan to buy three different securities, but you only have enough funds to cover two purchases -- then zero transactions will take place.

Requests for withdrawal of funds, or an order to buy a security via a standard trade have priority over scheduled Automatic Investment Plan transactions. This is provided the withdrawal request or the trade order is received sufficiently in advance of a scheduled Automatic Investment Plan Transaction.

If a limit purchase order is set-up, this unexecuted trade ties up funds in your cash balance, as it's deemed to have been executed for the purpose of calculating your available balance.

Let's say you have a debit balance in an account. We may, at our option and without further notice, switch-off a standing instruction to reinvest cash dividends in the account or any of your ShareBuilder accounts in order to cover the debit balance. So, investor take heed: It is your responsibility to ensure that the reinvest dividend instruction is reset for all affected accounts after the debit is covered.

17) Sweep Program

ShareBuilder offers a “Sweep Program,” which is the option to automatically transfer free credit balances (uninvested cash) in your account to either a bank account whose deposits are insured by the Federal Deposit Insurance Corporation (FDIC) or a money market mutual fund. Under the terms of the Sweep Program, ShareBuilder reserves the right to change both the products available and the general terms and conditions of such products. ShareBuilder may make any of the following changes to the Sweep Program after providing you with at least 30 calendar days tnotice:

  1. changes to the terms and conditions of the Sweep Program;
  2. changes to the terms and conditions of a product currently available through the Sweep Program;
  3. changing, adding or deleting products available through the Sweep Program; or
  4. changing your investment through the Sweep Program from one product to another.

The notice will describe the new terms and conditions of the Sweep Program or product, and the options available to you if you do not accept the new terms and conditions or product.

Free credit balances are payable to customers on demand. All free credit balances, including cash deposited, cash dividends or interest, monies received prior to any purchase settlement date, and net proceeds from liquidations, are automatically transferred to a consolidated "sweep account" pursuant to the terms of the Sweep Program. Also, sufficient monies to cover securities purchases in ShareBuilder customer accounts are automatically "swept" out of the appropriate sweep account on settlement date.

You may choose at any time between an independently managed money market fund sweep account ("Money Market Cash Balance") or an FDIC insured bank deposit sweep account with Capital One, N.A. ("FDIC Insured Cash Balance"). If you do not make an election, free credit balances will be swept to the FDIC insured bank sweep account.

Rates can and will change without notice to you. It is your sole responsibility to monitor at all times which sweep option is best for you based on yield, applicable FDIC insurance coverage and other considerations, and to make timely and appropriate elections.

Review and, if appropriate, change your current sweep account election by going to the Profile and Settings tab under Accounts, Overview. Changes to your sweep account election made before Noon Pacific Time on a regular business day are generally effective that day for purposes of starting or stopping FDIC coverage; changes at other times are generally effective the next business day for purposes of FDIC coverage.

Your balance in the FDIC insured bank account or shares in the money market mutual fund may be liquidated by making a withdrawal request. As part of the withdrawal request, you'll specify how you want to receive the funds.

The sweep accounts are held in the name of Capital One ShareBuilder. Those accounts hold monies in aggregate for the exclusive benefit of its customers.

In order to protect ourselves and our customers from fraudulent activity, we reserve the right to temporarily hold credit balances and to delay requested disbursements, regardless of whether the credit resulted from a cash deposit or a selling transaction. Disbursements may also be re-directed to a bank account previously used by the customer if we suspect fraud or money-laundering in connection with a more recently linked bank account. At our discretion, any disbursement holding period will generally be the customary time required to verify clearance of the originating deposit, depending upon the nature of the funds' transmittal (e.g. check, electronic transfer, wire, etc.). As circumstances dictate, we may also extend such hold in order to confirm the identity of the requestor or to take other steps we deem reasonable to prevent fraudulent activity.

Money Market Cash Balance

The Money Market Cash Balance option for uninvested cash is invested in the RBB Money Market Portfolio (BDMXX). The current 7-day yield on the Money Market Cash Balance can be found by entering the symbol BDMXX in the "Get Quote" box found on the ShareBuilder Home Page or under the ShareBuilder Research tab. The current 7-day yield is also displayed on your ShareBuilder Account Balances page.

The money market fund is managed by a registered investment adviser. We reserve the right to change the money market fund(s) it uses for this purpose or, in its discretion, to terminate this service. A complete prospectus for the money market fund can be found by entering "money market prospectus" in the ShareBuilder site search box found in the upper right corner of the website. Please consider all investment objectives, risks and charges before investing.

Dividends paid by the money market fund are calculated daily and posted to individual ShareBuilder accounts monthly. Proportionate customer balances in the sweep account selected by the customer are reported in individual ShareBuilder account balances and statements.

Any amounts held in the Money Market Cash Balance are considered investments and, although the fund seeks to preserve its value, market fluctuations can occur and the fund may lose value. The Money Market Cash Balance is not insured by the FDIC, not bank guaranteed, and may lose value. The Money Market Cash Balance is, however, covered by SIPC insurance. To learn more about SIPC account protection, enter "account protection and SIPC" in the ShareBuilder site search box found in the upper right corner of the website.

The FDIC Insured Cash Balance

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government created to protect depositors in the event a bank fails and cannot refund depositors' money. The FDIC Insured Cash Balance option for uninvested cash is available to all account holders. For customers that are opening a new brokerage account, the cash sweep election will be automatically set to the FDIC Insured Cash Balance. You may change your election at any time. The current interest rate for the FDIC Insured Cash Balance is displayed on your ShareBuilder Account Balances page.

The FDIC Insured Cash Balance is currently held at Capital One, N.A., member FDIC. Capital One ShareBuilder is a subsidiary of Capital One, N.A. Capital One, N.A. pays Capital One ShareBuilder administrative fees on a quarterly basis based on the total number of ShareBuilder accounts eligible for the FDIC Insured Cash Balance sweep option.

Interest will be accrued on the daily cash balance and will be posted for review. Rates may vary and Capital One, N.A. has the right to make changes to those rates at any time. Interest Rates may be lower than rates for other deposit programs available through Capital One, N.A. Be sure to consider all cash management options. Interest accruals and postings will be available for view on the Account Balances page. Interest postings will also be shown on monthly and yearly statements.

As of November 1, 2012, FDIC Insured Cash Balances are eligible for FDIC insurance up to $250,000 (including interest and principal) per individual depositor and up to $500,000 per joint depositors, subject to the limitation that such amounts are aggregated against all other similarly held deposits at Capital One, N.A. for purposes of calculating FDIC insurance limits. It is the responsibility of the account holder to monitor their deposits at Capital One ShareBuilder and Capital One, N.A. to determine if they exceed the limits of available FIDC insurance. Additionally, FDIC coverage amounts may change at any time at the discretion of the FDIC and Capital One ShareBuilder makes no warranty against the possibility of such changes, the timing thereof, or the amount of advance notice thereof.

Below is a summary of FDIC coverage limitations as of November 1. 2012.

An individual with multiple accounts can be insured up to a total of $500,000. So for example, if you have a single account as well as a joint account, you'll be insured up to $250,000 for the single account and up to $250,000 per depositor on the joint account. If a bank for any reason is unable to reimburse depositors, the FDIC steps in and does it for the bank – up to $250,000 per ownership type (single or joint).

Account Holder Deposit Type Account Balance
Jane 360 Savings $110,000
Jane 360 Checking $65,000
Jane FDIC Insured Cash Balance – ShareBuilder Account $100,000
Total Deposits $275,000
Amount Insured $250,000
Amount Uninsured $25,000

Joint accounts are deemed to be owned 50/50 and are FDIC-insured up to $250,000 for each individual on the account, equaling $500,000 in total.

Account Holder Deposit Type Account Balance
Jane & John 360 Savings $190,000
Jane 360 Checking $115,000
Jane FDIC Insured Cash Balance – ShareBuilder Account $135,000
Total Deposits $440,000
Amount Insured $440,000

Although funds are held at Capital One, N.A., the only way to access those funds in your FDIC Insured Cash Balance is through your ShareBuilder Account. Any questions about your ShareBuilder account or balances should be addressed to ShareBuilder's customer service team.

We reserve the right to change or terminate the FDIC Insured Cash Balance option at any time.

For additional information regarding FDIC coverage amounts you may contact FDIC, Deposit Insurance Outreach, at (877) 275-3342 (or 1-800-925-4618 [TDD]), or by visiting the FDIC website at http://www.fdic.gov/deposit/deposits/.

18) Selling Securities

Non-mutual fund shares acquired through the ShareBuilder Service may be sold through ShareBuilder via a Real-time Trade only. Such sales will be subject to our base commission charge.

Sell orders for fractional shares (no whole shares) are subject to the same commission as Real-time Trade market orders and are priced at the next market close after the order is received.

Sell orders are accepted only for shares actually owned by customers and in Capital One ShareBuilder's possession and control. "Short sales" are not permitted.

See Section 25 below regarding sales (redemptions) of mutual fund shares.

19) Standing Instructions for Balance and Positions

Shares acquired through or deposited to Capital One ShareBuilder will be held in "street name" only. Shares will not be registered or transferred unless specifically requested by the customer. We may charge a separate fee to register and or deliver securities. Participants understand that we cannot transfer or deliver fractional shares of any security. Regular cash dividends paid by any individual company will be reinvested automatically, unless directed otherwise, which will increase the customer's share position in that company. Cash balances held at Capital One ShareBuilder whether resulting from a deposit, bank transfer, dividend or securities sale, will be held by Capital One ShareBuilder unless specifically requested by the customer.

20) Restricted Securities

If you're keeping score at home, these pertain to U.S. Securities and Exchange Commission rules regarding restricted securities.

21) Order Flow Payment

The U.S. Securities and Exchange Commission requires that we disclose to you any arrangement for receiving payment for directing order flow. Capital One ShareBuilder currently has no such arrangement and does not receive compensation for securities transactions executed through designated exchanges, market makers, dealers or market centers.

22) Market Data, News and Other Information

You agree that the market data, news, and other information available to you through the ShareBuilder Web site are for your personal use, not for professional usage, and that you will not retransmit or republish this information in any form. You acknowledge that the information provided to you is obtained from sources believed to be reliable and is presented solely on a best efforts basis, and that no accuracy or completeness of the information is guaranteed. You waive any claims against Capital One ShareBuilder relating to such third party information and also acknowledge that the provision of such information does not constitute a recommendation by Capital One ShareBuilder to purchase or sell any security. Quotes, including Real-time quotes, are provided by Wallstreet on Demand and are believed to be reliable but are presented solely on a best efforts basis with no guarantee of accuracy, timeliness, or completeness. You waive any claims against Capital One ShareBuilder and against Wallstreet on Demand relating to such information.

By executing this agreement, you agree
a. that you have read and agreed to be bound by the OTC Markets Subscriber Agreement.

b. that Capital One ShareBuilder, Inc. is not an agent of OTC Markets Group and is not authorized to add or to delete from the OTC Markets Subscriber Agreement and is not authorized to modify any provision of the OTC Markets Subscriber Agreement.

By executing this agreement, you agree
a. that you have read and agreed to be bound by the New York Stock Exchange Subscriber Agreement.

b. that Capital One ShareBuilder, Inc. is not an agent of the New York Stock Exchange and is not authorized to add or to delete from the New York Stock Exchange Subscriber Agreement and is not authorized to modify any provision of the New York Stock Exchange Subscriber Agreement.

23) Extraordinary Events

You agree that Capital One ShareBuilder will not be liable to you or to third parties for losses incurred directly or indirectly by causes reasonably beyond its control, including but not limited to, government restrictions, natural disasters, severe weather conditions, wars, strikes, terrorist attacks, exchange or market rulings, interruptions of data processing services or communications, disruptions in orderly trading on any market or exchange, unauthorized access or operator errors.

24) Access to Services and Market Volatility

Access to Capital One ShareBuilder's electronic services, and hence, your ShareBuilder brokerage account, may be limited or unavailable during periods of market volatility, peak demand, systems upgrades, maintenance or for other reasons. You agree that Capital One ShareBuilder will not be liable to you for any losses or damages incurred by you (including lost profits, trading losses and similar damages) resulting from such access limitations or unavailability.

Additionally, with the exception of telephone orders, for which a higher fee is charged, you understand that the ShareBuilder website is the primary means of processing your ShareBuilder brokerage transactions and that, in the event of an interruption of communications systems or other hardware or software malfunction, access to view and to transact in your brokerage account could be delayed. In the event of a significant outage, Capital One ShareBuilder would undertake best efforts to process all transactions over the telephone through its Customer Service team, but would not be liable for any losses or damages you might suffer as a result of such delays or inability to access your account or effect transactions.

You understand that when you place a market order, you will receive the price at which your order is executed in the marketplace. During periods of high volume, illiquidity, fast movement or volatility in the stock markets, the execution price received may differ from the quote provided on entry of an order, and you may receive partial executions of any order at different prices. You also understand that orders for larger numbers of shares are relatively more likely to receive executions at prices that vary from a given quote. You agree to pay or receive the prevailing market price at the time your market order is executed. You understand that limit orders may not be executed at any particular time, or at all, if there is not sufficient trading at or better than the limit price you specify.

25) Mutual Fund Transactions

In the event that you purchase or hold a mutual fund, you agree to read and understand the terms of its prospectus. You understand that certain mutual funds reserve the right to change their purchase, exchange or redemption procedures and/or suspend or postpone redemptions under certain market conditions. You further understand that any mutual fund order entered with Capital One ShareBuilder is placed by Capital One ShareBuilder on a best efforts basis as prescribed and recognized by the individual fund, and that Capital One ShareBuilder is not responsible for unexecuted orders due to the failure of any communication system. You agree to be fully responsible for understanding the information contained within the mutual fund prospectus and to hold Capital One ShareBuilder harmless for any deficiencies contained therein. You authorize Capital One ShareBuilder to act as your agent in the purchase and redemption of fund shares.

By making a mutual fund or mutual fund family available to you, however, Capital One ShareBuilder does not guarantee the appropriateness, fitness, or suitability of any mutual fund and Capital One ShareBuilder makes no recommendation of any kind.

Make sure you read the mutual fund prospectus carefully before investing or sending money. You will find in it important details about your investment, including expenses and sales charges. Sales charges come in various forms; please make certain you understand any sales charges and fees you may pay and when you may pay them. See the ShareBuilder Pricing and Rates for a list of any transaction fees that may apply in addition to those fees or charges described in the mutual fund prospectus.

Mutual funds' past results are not a guarantee of future performance. The yield and total return on these securities reflect past performance and should not be considered an indication or guarantee of future performance.

You may invest in no-load, no transaction fee (NTF) funds through ShareBuilder without paying a sales load or transaction fee. You acknowledge that Capital One ShareBuilder reserves the right to change the funds available through the NTF program and to reinstate the transaction fees on any funds. See the Mutual Funds Research pages for a current list of NTF funds.  Keep in mind that other costs and expenses may apply to continued investment in a no-load or no transaction fee fund and are described in the fund's current prospectus.

Investment minimums, exchange requirements, and the timing of fund distributions in a ShareBuilder account may differ from those applicable to positions held directly with a mutual fund. Capital One ShareBuilder pays distributions when it receives distributions. In particular, customers who liquidate positions in funds that accrue daily dividends may not receive the accrued dividend until the scheduled monthly payable date for the fund.

Mutual fund shares acquired through the ShareBuilder Service may be sold through ShareBuilder via a Mutual Fund Sell order only. Except as to "no transaction fee" funds, such sales will be subject to Capital One ShareBuilder's base commission charge applicable to mutual funds. In addition, I understand that mutual fund shares cannot be sold until the business day after the purchase settles.

Excessive, short-term or market timing trading practices may disrupt portfolio management strategies and harm fund performance. To minimize harm to a fund and its shareholders, mutual fund companies may reserve the right to reject any purchase order (including exchanges) from any investor whom they believe has a history of excessive trading or whose trading may be disruptive to the fund. You should consult your fund's prospectus for its specific short-term trading policy. Capital One ShareBuilder may restrict account owners or accounts that engage in excessive or disruptive trading from making mutual fund purchases. The purchase restriction may be temporary or permanent, and may apply only to certain mutual funds or all mutual funds. The decision to impose a purchase restriction may originate with a mutual fund company or may be made by Capital One ShareBuilder, if Capital One ShareBuilder believes such a block is warranted. You should consult your fund's prospectus for its specific definition of excessive trading. See the ShareBuilder Pricing and Rates for charges relating to no transaction fee mutual fund shares sold within 90 days of their purchase.

The standard cut-off time for mutual fund orders is 3:30 PM Eastern time, but some funds may have earlier cut-off times as stated in their prospectus. The market may close earlier on holidays or for unforeseen circumstances. You understand that mutual fund purchase orders received by Capital One ShareBuilder and entered into Capital One ShareBuilder's systems before the cut-off time will receive the share price calculated that Business Day. Orders received by Capital One ShareBuilder after the cut-off time will receive the share price calculated on the next Business Day. Communication or data processing delays may cause orders submitted too close to the applicable fund's cut-off time to be processed on a next Business Day basis.

26) Mutual Fund Disclosure

Capital One ShareBuilder receives revenue sharing payments from mutual fund families and their distributors, based on the amount of these funds sold by Capital One ShareBuilder and/or held through Capital One ShareBuilder by its customers. These revenue sharing payments are in addition to the sales charges, 12b‐1 fees and other fees and expenses paid by customers or the funds and disclosed in the fund's prospectus fee table. Revenue sharing payments give Capital One ShareBuilder a financial incentive to sell certain mutual funds, and therefore create a conflict of interest that you should consider in making your investment decisions regarding such funds.

Additionally, Capital One ShareBuilder's clearing firm, Pershing, may receive servicing fees from funds that participate in its no‐transaction fee mutual fund program, in lieu of clearing transaction charges assessed to Capital One ShareBuilder. Capital One ShareBuilder shares with Pershing in such fees for providing shareholder services. These fees may be considered revenue sharing and are a significant source of revenue for Pershing and Capital One ShareBuilder. These fees are paid in accordance with an asset‐based formula.

The amount of compensation that Capital One ShareBuilder receives varies depending on the mutual fund purchased and the particular share class purchased, as mutual funds (and share classes) are priced differently. For additional information and potential conflicts of interest arising from such activities and other activities of Capital One ShareBuilder affiliates, see the fund prospectus and corresponding statement of additional information for each fund. You should carefully review these materials and consult with your financial advisor if you have any questions.

27) Automatic Investment Plan

If you set up a ShareBuilder Automatic Investment Plan, you are authorizing Capital One ShareBuilder to purchase shares in the securities, in the dollar amount(s) and on the date(s) selected by you. ShareBuilder will implement those instructions by initiating fixed debits periodically from your ShareBuilder cash balance, from your linked bank account or from some other source as may be selected by you and permitted by Capital One ShareBuilder. You understand that in order to establish an Automatic Investment Plan that is linked to a bank account, you must first set up a link to that bank account. Such bank links are governed by applicable Automated Clearing House rules. You also authorize Capital One ShareBuilder to honor all debit entries initiated by you or on your behalf from time to time through your available cash balance. All such debits are subject to sufficient collected funds in your designated account to pay the debit when presented.

If there is insufficient cash from your cash balance or linked bank account to purchase shares for an Automatic Investment Plan, you understand that the automatic investment scheduled for that period may not take place. You understand and acknowledge that any change in ownership or cancellation of your Brokerage Account, or any transaction returned for any reason, including but not limited to insufficient funds, may result in the cancellation of your Automatic Investment Plan without prior notice to you. You understand and acknowledge that Capital One ShareBuilder reserves the right to modify or terminate your Automatic Investment Plan at any time and for any reason upon notification to you.

You understand and acknowledge that, in order to terminate your Automatic Investment Plan, you must enter appropriate instructions through the ShareBuilder website. You will remain liable for all items that have not been settled at the time of termination of any plan.

Capital One ShareBuilder will undertake to make transfers or purchases as instructed by you in order to affect your Automatic Investment Plan. You agree that Capital One ShareBuilder will not be liable for any loss incurred by you in connection with transfers from or to your ShareBuilder account or other implementation of your Automatic Investment Plan unless it is grossly negligent in fulfilling its responsibilities in regards to your Automatic Investment Plan. In no event will Capital One ShareBuilder be liable for consequential, special or indirect damages or losses. We may, at our discretion, require periodic oral or written reaffirmation of your instructions regarding transfers and we may terminate this service at any time. You will indemnify Capital One ShareBuilder and its officers, employees, agents, successors, and assigns against any and all claims or liabilities by virtue of Capital One ShareBuilder acting on your automatic investments instructions. This indemnity is unlimited and shall be binding upon your heirs, successors, and assigns. Capital One ShareBuilder shall have no liability for its costs or damages resulting from inaccuracy of information which you provide to Capital One ShareBuilder, or from your failure to update any information which you have provided.

28) Communications between Capital One ShareBuilder and the Customer

By opening an account with us, and by agreeing to these Terms and Conditions, you agree to receive all communications from us via the World Wide Web or email. This includes, but is not necessarily limited to:

Communications sent to your email address or provided through our website must be retrieved and read promptly. In fact, all the communications we've sent to you by any means will be deemed to have been received by you.

You agree to advise us promptly of any changes to your email and/or mailing address.

You also agree to advise us promptly of any errors or omissions in any transaction or in the handling of your account. Failure to provide prompt notice of any errors is deemed to constitute acceptance of the accuracy of all information sent to you.

Further, you acknowledge that you have access to a printer in order to facilitate our document-delivery obligations and your record-keeping needs. You understand that we will not send trade confirmations, account statements and certain other reports/materials in hardcopy form.

29) General Promotions Disclosure

We like giveaways, but we’re still running a business here. We reserve the right to limit the number of promotions and promotional awards for your account. Play by the rules (they’re conveniently located on the source of each promotion). If you used promotions fraudulently, provided inaccurate or incomplete information in opening your account, or violated any terms of this Agreement, we can revoke your promotional award and close your accounts.

30) Contacting Customer Service and Complaints

Our Customer Service Team is here to help, so if you have an issue to discuss regarding your account, these upstanding individuals will help work toward a solution with you.

You may get in touch with us in a few ways:

31) Recording

We want to make sure you're getting the best service possible. That's why we reserve the right to record telephone calls to monitor the quality of service you receive; or, for other purposes we deem appropriate for our protection or for the protection of our customers.

32) Security and Confidentiality

We go to great lengths to keep your personal information and your brokerage account secure. We kindly ask that you do the same on your end, so here are the details:

33) Contributions to Qualified-Type Accounts

You are personally responsible for all tax consequences of any contribution to a qualified account (i.e. individual IRAs, Roth IRAs and Education Savings Accounts as well as employer-sponsored Retirement Accounts), including a contribution in excess of any respective limit under governing law (an "over-contribution"). You understand Capital One ShareBuilder's business rule for posting a contribution as of the date of receipt into an account, regardless of the source of the funds for the deposit or the date/timing of any instruction or action which caused the deposit. You further understand that, in the absence of a specific instruction, the date of receipt at Capital One ShareBuilder designates the "tax year" for a particular contribution.

You recognize that the foregoing policy also applies to a cash deposit which is the result of a promotional award to you by Capital One ShareBuilder, or on your behalf by entitled third-parties such as your financial institution, to a qualified-type ShareBuilder account; and that it is your responsibility to monitor related amounts and their timing. (Note: it can take as long as 4 to 6 weeks for such deposits to post to your account after being awarded.)

34) Unique Reorganization Distributions

In situations where the reorganization of a company results in the distribution of a security type or denomination which cannot be processed by Capital One ShareBuilder, we reserve the right to liquidate or to decline to hold the resulting security. Examples of such unique distributions could include bonds, units and securities with unusual tax consequences.

35) Severability

Look who's back after taking a break for a few Sections — it's your friendly Terms and Conditions tour guide. Without further ado, here we go with more legal speak.

36) Successors

This Agreement will pass to the benefit of our successors, assigns and agents.

We may assign our rights and duties under this Agreement to any of our successors, subsidiaries or affiliates without giving notice or to any other entity on prior written notice to you.

In addition, you agree that this Agreement and all terms hereof, will be binding on your heirs, executors, administrators and personal representatives and any assigns permitted by Capital One ShareBuilder.

37) Power of Attorney

You kindly agree and hereby irrevocably appoint Capital One ShareBuilder with full power as your true and lawful attorney-in-fact, to the full extent permitted by law, for the purpose of carrying out the provisions of this Agreement and taking any action and executing any instrument that we deem necessary or advisable to accomplish the purposes of this Agreement.

38) Limitations of Liability and Indemnification

To the extent permitted by law, Capital One ShareBuilder shall not be liable for any expenses, losses, damages, liabilities, demands, charges and claims of any kind or nature whatsoever (including without limitation any legal expenses and costs and expenses relating to investigating or defending any demands, charges and claims) ("Losses") by or with respect to the Account, except to the extent that such Losses are actual Losses proven with reasonable certainty, are not speculative, are proven to have been fairly within the contemplation of the parties as of the date hereof, and are determined by a court of competent jurisdiction or an arbitration panel in a final non-appealable judgment or order to have resulted solely from Capital One ShareBuilder's gross negligence or willful misconduct and without limiting the generality of the foregoing, Capital One ShareBuilder will not be liable for any indirect, special, incidental or consequential damages or other losses (regardless of whether such damages or other losses were reasonably foreseeable).

Capital One ShareBuilder shall have no liability for and you agree to reimburse, indemnify and hold Capital One ShareBuilder, its affiliates and their partners, directors, officers and employees and any person controlled by or controlling Capital One ShareBuilder harmless from all expenses (including legal expenses and reasonable attorney's fees), Losses or damages that result from: (a) your or your agent's misrepresentation, act or omission or alleged misrepresentation, act or omission, (b) Capital One ShareBuilder's following your or your agent's directions or failing to follow your or their unlawful or unreasonable directions, (c) any of your actions or the actions of your previous advisers or Custodian, (d) the failure by any person not controlled by Capital One ShareBuilder to perform any obligations to you, and (e) your failure to provide accurate information on your ShareBuilder Account Application or to update that information as required.

39) Waiver, Modifications and Amendments

You agree that Capital One ShareBuilder may change the terms of this Agreement by giving you notice of the new terms. You agree that your use of the ShareBuilder Service after notice of change to this Agreement, or if you do not close your ShareBuilder account within fifteen (15) calendar days of such notice, means that you accept the changes. Changes required by law, however, will be effective immediately.

Except as specifically permitted in this Agreement, no provision of this Agreement will be deemed waived, altered, modified or amended unless agreed to in writing by Capital One ShareBuilder.

Capital One ShareBuilder's failure to insist on strict compliance with this Agreement or any other course of conduct on our party will not be deemed a waiver of Capital One ShareBuilder's rights under this Agreement

40) Counterparts

This Agreement may be executed in any number of counterparts by you, each of which will constitute an original and all of which, when taken together, will constitute one and the same instrument.

41) Survivability

If you like counting numbers -- here we go: The provisions of Sections 6, 8, 9, 10, 12, 14, 15, 17, 23, 25, 27, 28, 35, 36, 38 and 39 shall survive any termination of this Agreement. The provisions of Section 37 shall survive the termination of this Agreement for a period of one year from the date of termination of this Agreement.

42) Thanks

Thanks for staying with us through the entire Terms and Conditions.

Sincerely,

Your friends at Capital One ShareBuilder, Inc.