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HomeMy WebLinkAbout07-5313 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff No: b7- 5313 CiVil~,('M vs. DEBORAH L GRAHAM COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 06047316 C N Pit NLC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. Civil Action No 67'-,S3l3 DEBORAH L GRAHAM Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK is a corporation with offices at 140 EAST SHORE DR GLEN ALLEN VA 23059 . 2. Defendant is adult individual(s) residing at the address listed below: DEBORAH L GRAHAM 902 ALLENVIEW DR MECHANICSBURG, PA 17055 3. Defendant applied for and received a credit card bearing the account number 4388641827168845 . 4. Defendant made use of said credit card and has a current balance due of $1491.92 as of August 07, 2007 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 28.240 per annum on the unpaid balance from August 07, 2007 A copy of Plaintiff's STATMENT is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant DEBORAH L GRAHAM INDIVIDUALLY in the amount of $1491.92 with continuing interest thereon at the rate of 28.240 per annum from August 07, 2007 plus costs. James 436 Pitt (41 FAX 06 4 waz'mbrodt,42524 INBERG & REIS CO., L.P.A. h Avenue, Suite 2718 PA 15219 -7955 338-7130 C N Pit NLC This law firm is a debt collector att m ing to collect this debt for our client and any information obtai will be used for that purpose. '~ peoplepc~M online u Abetter way to Internet. J ~~ / ~ ~ ~X~f'66'~1/- ~ b. a. ~a +ztnal~tt-. ~ a.w • 1 888-.487-9689 Mention Offer Code: DIAMOND ~~ Or visit www.peoplepc.corr/go/diamond cone' Account Prerioua Balantt (978.46 Payments, Credits and Adjuaraerm f.00 Tramctiom 141.00 Finance Charges (23.75 New Balance (1,043.21 Minimum Amourtt Due (1,043.21 Payment Due Date February 27, 2006 Total Credit Lioe f700 Total Available Ctedrt f.00 Credit Line for Cash (700 Available Cred'n far Cash f.00 Atpoureervioe Te all Casmraw Rebaies ar m report • bet ar atom acrd: 1-500-903-3637 Far 6ae ordioo ooaouot eerr~ aed epedd automa aHst, le6 oa m: werpnp'mlooe.aem Btod pgmsts m: Btad iogaitis t« Atla: Rsmilmm Froamiog CspBd Oec B.ok C.pint Oae P.O. Bru 790216 P.O. Boa 30365 St I,aui+. MO 63179-0216 SLC. Vf 61130.0785 UNLIMITED INTERNET ACCESS PeopbPC OnIMe offers the features you would expect from higher-priced Internet Service Providers, inciudir-g: V rUS PrOteCtlOn powered by SyrnaMecTM ® Pop-Up BlockerTM `~ Spam Controls 4a1• ~' Smarter Smart Dialer Technology 0 ~ More Email Addresses ®~ Internet Call Waiting PLATINUM VISA ACCOUNT DEC 28, 2DD5 -JAN 27, 2006 4388-6418-2716-8845 Page] of 1 Payments, Cted'tts and Adjrstmena Trau.ctane 1 27 JAN CAPITAL ONE MONTHLY MEMBER FEE (6.00 2 27 JAN PAST' DUE FEE 35.00 This acwuntL Noo-Iatinductary Rata as of 12/20/OS are: purchax A.P.R =17.05%V, cash advarce A.P.R = 22.74%V and spedal trasafQ A.P.R = 0.0096. If the A.P.R ie followed by'V; then your arrespoodin8 A.P.R u a variable rate. Yat was aasased a p~ due fee of f35.00 on 0]/27/]A06 beratre yac minimum payment wr not received by the due die of01/27/2006. To avid thin fee is the firtttrc, we recommend that you allow as last 7 buainea days far your paymem to reach Capiud One. EXHIBIT I Finaaoe Charges FYerrs~ar rewrrrsilr jar iarfaaast ia~irwdiw B.Iwwrra Pwi& crywrlarj N ~jefrlae rp dPR ~ C~ASF{ ~t0~0 .OAP ~0~0 ANNUAL PERCENTAGE RATE applied this period 28.2491 • PLEASE RET[RtN PORTION BELOW WITH PAYMENT ~e 0000000 0 4388641827168845 27 1043210050001043213 New Balaooe (1.04321 ~`°`1111f "~°~°.vd~> r-ari7a}agw ideore~i8r er~Lok e.E Minimum Amoum Due (1.043.21 caret Apt r Paymem Doe Date February 27, 2006 cp sun ~ Tool enclosed f ~_~ Home Phon< Ate Prner AoooaaR Nembar. 4388-6418-2716-8845 e e~aeearr. Capital One Bank P.o. Sox 790216 LLdllrrttlr6LJJ St. Louis, MO 63179-0216 Irlltrrtlltrar111rrrllrltrllrrrrrlrlarrlltlltrrrrNrllrrlrrirl = M9002825617229114N MAIL ID N[JMBER _ DEBORAH L GRAHAM ~ 902 ALLENVIE9V DR N ~ MECHANICSBURG PA 17055-8604 m ° ~ Irrrlllrtrlllrrrtltltrlrlrlrrltrlltrllrrrrlrrllirrrrrirltrlrll r P7mrr writryowaatxmt nwnba an yas o7~ w wonel rrler nradr faya8le to Gjital oar Bank anAnrdl in the enrkard sevdofr. VERIFICATION CAPTTAL ONE BANK vs GRAHAM, DEBORAH L The undersigned does hereby verify sub'ect to the t ` J penalties of 18 Pa.C.S. Section 4904 relating to unswom falsification to authorities, that he/she is, MAISHA DAMS, Authorized Agent, of CAPITAL ONE BANK, Plaintiff Herein, that he/she is duly authorized to make this Declaration, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. MAISHA DAMS No blic MYRA PRINdLE Notary Public Gwinnett Coun#y Georgia wry Commission Expires July 31st 2(~t 4388641827168845 A049 WELTMAN, WEINBERG & REIS CO., L.P.A. C7 N ~ C:_ ._ ~ ~ ~ -f ~ J ` r' ! c ~F Op r , ; n --~ `i7 i ~ 3 ~ `'~' 3 ~ ~ ~ 0 0 ~` b __ =~' := ` -0 ~- ~~ .s- ~ ~ SHERIFF'S RETURN - REGULAR CASE N0: 2007-05313 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK VS GRAHAM DEBORAH L RONALD HOOVER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon GRAHAM DEBORAH L the DEFENDANT at 1940:00 HOURS, on the 17th day of September, 2007 at 902 ALLENVIEW DRIVE MECHANICSBURG, PA 17055 by handing to ZEKE GRAHAM, SON a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge q~x ~ Jan ~,.. r Sworn and Subscibed to before me this of So Answers: 18.00 10.5 6 ~~ ,~~`"~ " Via d'~'rt~,"t/ ~ .00 - - ` 10.00 R. Thomas Kline .00 38.56 09/18/2007 WELTMAN WEINBERG REIS day Deputy Sheriff A.D. r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff v. DEBORAH L. GRAHAM, Defendant CIVIL ACTION -LAW NO.07-5313 NOTICE TO PLEAD TO: James C. Warmbrodt, Esquire WELTMAN, WEINBERG & REISS CO., L.P. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plaintiff You are hereby notified to file a written response to the enclosed DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT within twenty (20) days from service hereof or a judgment may be entered against you. Dated: f D~ C ___-°~~ Deborah Graham ~--- 902 Allenview Drive Mechanicsburg, PA 17055 Defendant 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff v. DEBORAH L. GRAHAM, Defendant CIVIL ACTION -LAW N0.07-5313 DEFENDANT'S PRELIMINARY OBJECTIONS Defendant, Deborah Graham, preliminarily objects to Plaintiffs Complaint, as follows: 1. PRELIMINARY OBJECTION RATS/NG FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 1. Pa. R.C.P. No. 1019 requires that a complaint must set forth allegations in a clear, concise and summary form, including a specific averment of default. 2. Pursuant to Pa.R.C.P. 1019(f), averments of time, place and items of special damages shall be specifically stated. 3. The Complaint purports to state a claim against Defendant for default under the terms and conditions governing the use of a credit card. 4. Paragraph 3 of the Complaint states that at the request of Defendant, Plaintiff issued the Defendant a credit card. 5. Plaintiffs Complaint attaches a copy of a purported monthly statement for Dec. 28, 2005 -Jan. 27, 2006 but fails to attach the underlying agreement between Plaintiff and Defendant. 6. Plaintiff fails to attach a signed contract, the charge slips, or the application for the credit card. 7. Rule 1019(1) of the Pennsylvania Rules of Civil Procedure requires that where a claim or defense is based upon a writing, the pleader shall attach a copy of the writing, or the material part thereof, but if the writing or copy is not 2 accessible to the pleader, it is sufficient so to state, together with the reason, and to set forth the substance in writing. 8. Plaintiff fails to identify those specific dates of use or terms under the contract that substantiate the alleged balance or amount owed. 9. In addition, the Complaint does not specifically describe the nature of default in violation of Pennsylvania Rule of Civil Procedure 1019(a) which requires that "the material facts on which a cause of action or defense is based shall be stated in a concise and summary form". 10. As a result, plaintiffs complaint is vague and general and does not specifically state the debt incurred or what, if any, payments are due and the nature of the charges included as part of the amount Plaintiff claims to be owed. 11. Under Pa. R.C.P. No. 1028(a)(2), a party may preliminarily object by way of a motion to strike off a pleading because of lack of conformity to law or rule of court. 12. The substance of Plaintiffs Complaint violates the Pennsylvania Rules of Civil Procedure and must be dismissed. WHEREFORE, Defendant, Deborah L. Graham respectfully requests that Plaintiffs Complaint against her be dismissed for lack of conformity to the Pennsylvania Rules of Civil Procedure.. ll. PRELIMINARY OBJECTION RAISING INSUFFICIENT SPECIFICITY OF A PLEADING. 13. Paragraphs one through twelve are incorporated by reference as if set forth at length herein. 14. Paragraph 4 of Plaintiffs Complaint generally avers that Defendant made use of the credit card and has a current balance due of $1,491.92. 15. Furthermore, Paragraph 5 of Plaintiffs Complaint generally avers that Defendant failed to make monthly payments when due. 14. The Complaint fails to set forth the dates and amounts of the charges due 3 as part of the duty imposed by the Pennsylvania Rules of Civil Procedure to attach all documents which form the foundation of a cause of action and to give the Defendant sufficient notice of the charges against her. 15. Under Pa.R.Civ.P. 1019 a complaint must include the amounts of the charges that are part of the claim, the dates of the charges, credits for payments, if any, dates and amounts of interest charges and amounts of other charges. 16.The complaint should contain sufficient documentation and allegations to permit Defendant to calculate the total amount of damages that are al{egedly due by reading the documents attached to the complaint and the allegations within the complaint. 17. Plaintiffs complaint lacks sufficient specificity to apprise defendant of the issues to be litigated or to allow her to adequately prepare and assert defenses to plaintiffs allegations. 18. Additionally, Defendant is entitled to more specific information to be able to answer intelligently and determine if she is even obligated for such credit card and what items she can admit and what she must contest. 19.The Complaint generally asserts a breach of contract and other failures of performance against Defendant, contrary to Rule 1019(f). 20. The Complaint fails to state any facts upon which the amount of damages may be calculated, in violation of Pennsylvania Rule of Civil Procedure 1019(a}, which requires that "the material facts on which a cause of action or defense is based shall be stated in a concise and summary form." WHEREFORE, Defendant respectfully requests this Court to require that Plaintiff plead more specifically the averments of its complaint relating to damages and the nature of the default. Ill. PRELIMINARY OBJECTION RA/SING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 21. Paragraphs one through twenty are incorporated by reference as if set forth at length herein. 22.The verification to plaintiffs complaint was not made by a party, but rather 4 was made by Maisha Davis, who merely claims to be an authorized agent for plaintiff. 21. Pa. R.C.P. 1024(c) requires that: The verification shall be made by one or more of the parties filing the pleading unless all the parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of his information as to matters not stated upon his own knowledge and the reason why the verification is not made by a party. 22. The verification to plaintiffs complaint does not set forth the source of the agent's information as to the matters contained in the complaint. 23. Furthermore, no reason is given why the verification is not made by a party. 24. The verification to plaintiffs' complaint is defective under Rule 1024(c). 25. The verification being defective, plaintiffs' complaint is not properly verified as required of a pleading under Rule 1024(a), and must be stricken. WHEREFORE, defendant respectfully requests that plaintiffs' complaint be stricken. Dated: Respectfully submitted Deb ah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant 5 CERTIFICATE OF SERVICE HEREBY CERTIFY that a true and correct copy of the foregoing Preliminary Objections was furnished by U.S. Mail, first class, postage prepaid on this ~~~day of ~~~0~~2 , 2007, to: James C. Warmbrodt, Esquire WELTMAN, WEINBERG & REISS CO., L.P. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plaintiff Dated 1 e orah raham Defendant 6 ~.. } [ ~Y, l.' _..J C J ~ f i`_-= x , -~ L'y ''} y.~._. j IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CPITAL ONE BANK Plaintiff vs. DEBORAH L. GRAHAM Defendant No. 07-5313 CIVIL TERM AMENDED COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R. Bibler, Esquire PA. I.D.#93598 WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR#06047316 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CPITAL ONE BANK Plaintiff vs. Civil Action No. 07-5313 CIVIL TERM DEBORAH L. GRAHAM Defendant AMENDED COMPLAINT IN CIVIL ACTION AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP LAWYER REFERRAL SERVICE CUIIJIBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717} 249-3166 AMENDED COMPLAINT 1. Plaintiff, Capital One Bank, is a corporation with offices in 140 East Shore Drive, Glen Allen, VA. 23059. 2. Defendant is an adult individual residing at 902 Allenview Drive, Mechanicsburg, PA. 17055. 3. Defendant applied for and received. a credit card issued by Plaintiff bearing the account number 4388641827168845. 4. Defendant made use of said credit card and has currently a balance due and owing to Plaintiff, as of November 15, 2007, in the amount of $1,510.20. Attached hereto, marked as Exhibit "A" and made a part hereof are true and correct copies of the monthly statements on Defendant's aforementioned account, account number 4388641827168845, dated November 20, 2000 through Tanuary 27, 2006. 5. Defendant is in default of the terms of the cardholder Agreement having not made monthly payments to Plaintiff thereby rendering the entire balance immediately due and payable. A true and correct copy of the written customer agreement is attached hereto, marked as Exhibit "B" and made a part hereof. 6. Plaintiff is entitled to the addition of interest at the rate of 28.240% per annum on the unpaid balance from November 15, 2007. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the principal balance, finance charges or any part thereof to Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, Deborah L. Graham individually, in the amount of $1,510.20 with continuing interest thereon at the rate of 28.240% per annum from November 15, 2007, plus costs. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. WELTMAN, WEINBERG & REIS, CO., L.P.A. Benja~iin ~SIe~(Esq~tn~ PA. LD. 3 98 WELT , WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#:06047316 0 "Hey! What's my credit line?" To use your Capital One® t;ardi and find out what your credit line is, you must first activate it by calling our toll-free customer service line. In case you haven't already done so, be sure to call the 800 number printed on the activation sticker on the front of your card: 1-800-475-4008 We are happy to have you as a customer. We want to make sure you receive the full benefit of your credit line. Carl the activation number today! Capital One is a tedera{ry registered service mark of Capital One Fxtancial Corporation. All rights reserved. ®2000 Capital One ~9~pit~I Qnea VISA GOLD ACCOUNT 4388-6418-2716-8845 Acmunt S PreJ~ Balance i.oo Payments, Credits and Adjustments i.00 Tran..actions 36.00 Finance Charges 3.00 New Balance 16.00 Minimum Amount Due 16.00 Payment Due Date January 19, 2001 11t your.arviu Te nll Customer Relations er to repert a lost or stolen card: 1-800-9t13-3h37 Send payments to: Send inquiries to: Attic Remittarree Processing Capiml One Services Capital One Services P.O. Rox 85147 P.O. Bax 55015 Richmond, VA 23276 Richmond, VA 23285-5015 Immttant Account Information As the prrnui sponsor of the Florida Citrus Bowl, Capital One invites you to join us New Year's Day to watch the Michigan Wolverines take on the Auburn Tigers Watch ABC at 1 p.m. (EST) on January 1st and we71 kickoffthe New Year together with this exciting tnatchup of SEC and Dig Ten powers! 54592P NOV 20 -DEC 19, 2000 Page 1 of 1 Payments, Crediffi and Adjustments Transactions DATE 1 19 DEC MEMBERSHIP FEE i6.W Finance Charges Pleare ra reuerre trdt for inrparmst infornwtion Ba/mvn ratr Periadit C.arverpendia% ~~ yppTirdM rofr APrKR PURCHASES 5.00 .0000096 .0096 5.00 CASH 5.00 .0542596P 19.8096 5.00 ANNUAL PERCEN'T'AGE RATE applied this period 0.00% • PLEASE RETURN PORTION BELOW WITH PAYMENT. • ~apita~Q~` 0000000 0 4388641827168845 00 0006000000000006008 New Balanct 36.00 Minimtun Amount Due 36.00 Payment Due Date January 19, 2001 Total enclosed S Pfra~r pnxt admen rbmrgrs brloru rai+tg blar or bla,k i>t.E Street AP~+w Gry Srue ZIP Home Ptnne Altema~ Phone DEBORAH L GRAHAM ~~~~~~~ Capital One Bank ~ 407 E ELMWOOD AVE APT r P.O. Box 85147 m ~ t/1 vt Richmond, VA 23276 u, ~ MECHANICSBURG PA 17055-4234 w Irrlrlrrlltrrlrlltrrlrllrrll~~~llrr,Ilrrrllrr~llrrrllr,rllrrrl Pleare vorireyiour mount namber on ymer cha~k or money order madepayable to Capital One Ban,E and mail in the enclan~emvJape ' (~~ I (~ ~~ r S r S I~ ta. tiraas Prod. Vau wfll have a miimtm grace period of 25 days wltitaa frten:e large m taut pun3ases, new 1a18ftee trerefare, new spade! pratitesea aril new other darges if you paY Yore tool 'New Balance'. In accadatce elttt the knportam Notice for payments below, aril in time for rt to he aedted bV ytsa next aettrttem daairtg date. Tttare fs ro grace paled m cash advarres and special trertafere. h addition, there is ro grans period an arty treraectim if you do rot pay the teal 'New balance.' b. 4eattity Fitatcs drays. Trertaectitxa elridt are rat suhjett to a 9re® period am assessed Rrterae large 1! tram tfe date of the treraectita a 21 tram Nte date Ute treraection is prooesaed to your Accarr or 31 from the fitffi calerder ley of the etarent tlNr~ Addtiatelly, if you did rat pay the 'New Belertce the previata biirtg Period in fitg, friars t3arges rarointa to same to your unpaid belatrs !still tta raped helartce is paid in fWl. This means that you may still owe Trance darges, even if you pay Ne ertNre New Balance irtdrated m rite fras of your statement by the next atatemers dosing rbro, bra rid rat do so for the previous momlt. Unpaid fnerrs charges are added to the ae4nea of ytxa Accorss. 'f c. Mitirrurn Fitataaq~f9r each billing period that your aorant is asW4~~ct to a fktartce large, a mirirnm total HN4NCE CHAA(iE M 80.50 wi be knptred If the total lirtatco darga reaitlnp from the apdimdm of yaw pedeaa rem(sl is lase then 60.50, we will subtract Nat errtatrr fraat the 50.50 minimun aril the dfferartce wig be hinted to the ptarlaae of Your avxrss. td. Taryaary RrWotim'na F dsaya. We reserve the fight to rat ataess any a of tkerae dargm ter a^V given biMng Period. 2. avsraea DW Baratea rYtoY~np iHaw wadtraaat. a. Fnerae barge is ealwlafed 6y traltiplNng tfa daily heWtce M esdt sagnar M Your arrant le.g., cosh advance, prndase, [pedal trerafer, aril Medal purdasel by the corrayortdrtg rbilY pedodc rets(p fiat has been pretlotatly dsdosed m you At tfte end M milt de draktg the hiFrg period vve apply the daily pedodc rats for milt aegmas of yatrr~arxarrt to da daily hdeca of milt stigmas. Than M the end of Nte Ming period, tie add rp de raralta of three rlaAV raFatletiaa to arrive at your periods frterae charge fa each segmers. We add ty tta restlm from milt ttepners to arrive at the tool periods finance charge fa Yore ~~. To get the dd1Y belertce for astir ee~rtars of your accorrs, vat take the begtrirtp talartce for milt eagttat[ and add anf1yy new traaeciitns end any padodc fitettee trierge talt:rlated ten the previtrue day's balertce for that aagners. We them subtrarx arty paymerss a rxedts posted as of flat ley that are elktcated m that aegners. This Brea ra the separate logy balance for eadt segrtas of your sasses. However, if you paid Ne New Belartm atavn an ytwr previaa staterrtertt in (iA (er if your rterv balace vvae zero a e snail[ artorrs), new traraectiara tMrrh poet m Yore pumfase or spade! purdase aegnerrs are rot added m t}a defy balatcas. We celasere the average dspy balance by atHrg eFi Nte daily belaram togelFer aril dtridng the sun by tfa amber of tFe days In tfe currant piing cycle. Te rslcrlMe your teal finance large, mridply yrrx average daily balatce by tfe daily padnde rate and bf iFte nmter M days in the piing period. Due to rorstdng to a dagV basis, tram maY he a aligtrt variance between this colalatim end the grant of finance r9terya rtcnellY aaaeased. h. If the txxla 2 ar N appma m Na from of Ntia atatemem ran to 'Belarae Rere Apprred To,' we mrlriply the ppeeriodic rate. To obtain the average daily helarrx far the hillitg ~period covered by [iris statement, we take the begimtrg telarae of mrh regrtem eadi daY, add any new treraecriera to mM ant, aril subtract any pnymatu or credits. gf the code N appears m the hart of this aretemem next to 'Balance Rate Applied To,' rtre also sinram arty upaid frartce [large irtdrded in the balance of each sepnem.l The pvea to the daily balance of each aeg~tem. Then we add up all the dei1V belarcea far each segmem br the billing ppeeriod and dude by the renal amber of days kt the hifirtg Pedal. TNa gvee ue the average daily balance M each aegntatt. 3. AttnsY Paroarlapa Rrts CAPRI. a. The term 'Artrtuel Peroorsage Bete' may appear m 'APR' m the frmt of Nis statement. b. R the rnM P (Prime), L 13-mo. UBOR), C fCarNfrate of mks slaatielnasit rext M ~ ~dadc r~aterela} ~M~e ped~edref rates and corteapordrtg ANNUAL PERCENTAGE RATES may vary gtarterty and may irtaease a decrease based an the stated mdreea, » Land in The Wag Street ./earns!, pkte the margin ppreviaaly diadoaed to you. These dangea wlf be eflactlve an the Prat day of yea hilfrtg pedal covered by your pedodc atatemem ertdrtg In the mtsttha Janery, April, JJyY artd October. C. If the coda D (FMrrtei, E (lens. UeoRl a O (3yrro. LIF10R Repriced Mmttly) appr~re m the frail M your atatemem trail to the pedade ratele), Na perio6c rates and correapatdng ANfiUAL PERCENTAGE RATES may vary mtmtly and maV increase or decrraae based m the stated irtdces, as Land in The War Street Jame!, dos tM margin pretlattdy dadosed to yea. These changes will he efacdve m the fret day of your tlllktg pedal each mtxdt. 4. Aasssrrt d l~ti Owrgrrrit ant Rsearad Psymat Fans. Yea accent wi he assessed ro mac than two M the Taos listed tare that ttocta drug sty bt'irtg Period. Under the tame of your ars[mtar agresnatt, we reserve tfe fight ro waive a rat to asee® ary teas wMatt pda rotifirstim to you tahFtortt mraltlrtg our right to asse® the sane a similar fees a< a later time. 5.j'Rrtrahtp Ytsr Aoeant. if a mentberdip Tee appmre on the Trots M tFis statemens, you have 30 days tram the date Ntis atatetnent wee maied to you to avdd paying the fee a to lave strh tae eredted to you If You rartoal ytre eraarnt. Daring tfis Period, You may tarr#ste to tens ytsx eccotss vAtMta Mvfng to PaV tfa memberdip tea. To tarts! Vas atxxaart, you mrat rtoeiy u by raMkg our Qatanter Reiatiara Dttperttttertt and pay yua New Balaroe h fiN letedttdrg the mentberaltllf tee) Prfa to the end M the WrtY~Y P~od~ B. M You Cfess Yar Aeaart. You tart regtas[ to dose yyno aocorss by rawg our ifisetmter Rela6ora [}apertrrtxr. You mot daatroY Your taedt rard(sl and escort[[ aceesa decks, rase! of preattriarized hiYing, aril rxteas r~irtg your assn[. If yar do rte natal Preaufadzsr Mktg arrertgwnenta, we wY [maiden reoaipt of a large yttra atlfadzadon to reopen your eases. Addtiorte•V. Yore atxnratf wi rte to dosed reel You PaV ap arrtorstta you awe <B kttlttdrg: any trsrtsactiore you rave autnrized, firtara dargea, past due fees, otredkrtit fees, teemed paymers acs, rash etlverae toes aril any afar fear[ easeaaed to your apeastt. you are reaportsi6le fa [lase amass wleNer they appmr to ytxa smnm at the tFme you regtast to dose the ascots[[ a they am irtaafed st6aer}tent to your regress to dose the amour. This may resit n dtargas ePPeetittg m Vas eccorrs_ after you have yore aaxsaa if it has already been dosed. For example, if yaru arafarized a ptrcttese fran a rtardtant aril wa receive tFe xrsascNm from the rrterdtent after yea atxxrstt has been dosed, your eccasrt vtM ba reapered, the amass M the [large wig be added to ytxa aaasx, and yyoouu will ba resporaihle for payment. If there is a membersfip fee for your eooart, the fee wIN txxsinte to he charrppyadd. to the edar Qemtleed bV law, urf the accent helertr8 las been pad in fill as defined above. 7. Usig Yea Aoswt.Yare card a accatnt caMOt be reed in correction wink arty kxerrtat psntbling traaerdora. 8. tioaos Abet Elsatr'srtia dtsok Dertvasiort. When you provide a dock ea peymas, you eraftdize ua erdar to use informmim from yotr deck to make a orta-time elttctraic find treater from Vora bank aa~,alnt a to preceas the Iteyment es a deck transaction. When v.e use inforrttaeon from yttra dteck to make an deetreric find transfer, bards maY he tradtdrawat from your beNt aocotstt as Boon as the same ley we receive your peytttem, aril you will rot receive yax [Track beck from ynr frarriel xadeiion. BILLING RIGHTS SUMMARY (In Ceae Oi Enore Or tlteatiore Alma Vaur Rill) If you [hint[ yea hill Is wrug, or if you reed more inbmatian to a treraaction or bill, write to r® to a separete sheet ea soon es poseAle of the address for rnt(rliries dawn on the tram of ttla sutemrm. We mrM hear from yw ro later Nan 90 deya after we sent[ you the first rill an which its error a ptetlem appeared. You can call our (lstemer Rdaderre nsnher, but doirtp so taiN not preserve your rigMa m your letter, give W the tatlotairtg information: your name and atxwuN nanber, the ddler amttun of the agtected error, a descdptim of Na anon and an etplaraNtn, if pttssitle, of mfry ya, hdieve there is an error, or it you reed more intomtatian, a drtseripdtn M tfa been you are uraree aFarn. Vcu do nor Fave to pay any censer[ in question tahile we are {nvestigetinp it, hd you are still ahGaeted to pay the parts M your tiff that are not in gresdon. a wa in a yea Qasdan, two nano[ report you as ddin¢sYa er to any action to collect iFe senora[ ynu question. I,1' Special File fur Crerh Card Purdmsea If you taus a problem with the taalRy of proPenV or aenitxa flat you prarhased with a credt card and you have cried in good faith to correct the pratlem tMth the merrham, you may Fare the right rat to pay the remairirtg amauM due an the prapeny a aertdcea. Veu lave this pMection only wfan Na purtireee price was mom tFan 850.00 aril the purdase vtras made in your home state a within 100 miles of your mdFing address, ill we awn a operate the merdam, or it we mailed you Na adrerdeemem tar the Property er senlces, aFi purtdases are coveted regardesa M ameum or locafm of purchase.) Please remember to sign all correaportdartce. t' Does rot apply b rensener ron-acct[ card actxants I Does not apply fo buvrasa tan-cradle card acmunta One trlpports inlonnaNtn prrvacV Ptotecdan: see txu reg~t~red aerrfce mark of Capital AJI rights reserved. a 2003 01LGLBAK 54592P Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (51 business days for postal delivery. Payments received by us at any other Iccation or in another form may not be credited the same day we receive them. Our business days are Nbnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. ~Vr~~ nances • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help yoll see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. Ca~~,~~• V1SA GOLD ACCOUNT 4388-6418-271b-8845 Account Srrmmarv Payments, Credits and Adjustments DEC 20, 2000 -JAN 27, 2001 Page 1 of 1 previous Balance 16.00 1 03 JAN MEMBERSHIP FF.F. ADJUSTMENT ~.~- Payments, Credits and Adjustme nts 16.00 Transactions 1247.83 Transactions Finance Charges 1.00 DATE New Balance 1247.63 2 14 JAN MONTGOMERY WARD CAMP HILL PA 1214.64 Minimum Amount Due 147.83 3 16 JAN OVERLllvllT FEE 25.W Payment Due Date February 27, 2001 4 27 JAN MONTHLY MEMBERSHIP FEE 6•~ 5 27 JAN PAYMENT PROTF.CI'lON 1-888-527-6904 2.19 Tota] Credit Line 1200 Total Available Credit 1.00 Credit Line far Cash 1200 Available Credit for Cash 1.00 tlt yoursavia To call Customer Relations or to report a lost er stolen Bard: 1-500-903-3637 Send paymarts to: Send inquiries tce Attn: Remittatke Praeasing Capital One Services Capital ()rte Serv;crs P.O. Bor 55149 P.O. Box fl5015 Richmond, VA 23276 Richmond, VA 23285-5015 Finance Charges PleartJa rcarrJerick, for imfvrimrt isfonxalan Bmtm~cr rate Pniadr ~+pr~ding ~ gpf7wdin rmrr dPR PvRCxasFS casx s.oo .ooooo~ .oo~ s.oo :.oo .os42s%P 19.80% s.oo ANNUAL PERCENTAGE RATE applied this period 0.0096 28771M • PLEASE RETURN PORTION BELOW WITH PAYMENT. ~pj'~~~IZ2~ 0000000 0 4388641827168845 00 0247830000000047838 Plrasr friaf addnsr thmt6rr brloru ruingbJur a~ bla-J: New BalarrcP 1247.83 Minimum Amount Due 147.83 Srr~c ~ Payment Due Dace Febntaty 27, 2001 C'ry Srav ZIP Total enclosed 1 Home Phone Ntrnute P}>Dne ~~ Capital One Bank ~ DEBORAH L GRAHAM P.O. Box 85147 ~ !!!!~! MECBHANICSBURG PA 17055-0012 Richmond, VA 23276 ~ ~ ~u~t{n~~us~t~~uslr~~u~~nel~ns~~tu~~m~~usl~ur~~ns~ ° ' ~ut~~~ur~~~uu~s~u~i~tl~ur~~nuu~~n~t~ns~~n~t~s~~n~ Pleatr s~mte you auaunt number on yoiv rJxrk m money order mode payable to Capital Onc Bua.f and mail in r1x erulared en•uelope. r ~~ t~ ~~ ~~ r "'1= ta. Oroae Pried. Veu wfN have a mirimun grace pedal of 25 days without hwlce dlarga m now purdasea. now bdattoe trerafere, new spade! prrdae0e aril new other dtar~ts if Vet PeY Yar card 'New Relesra', in acmrdarlce with the Ynportant klotice for paymerra below, end k1 time for k m he eredred by your recd atetrrrtent tioeirlg data. There y ro grace period m cash adyerltre and apadd trerafere. h addtlan, there is ro grea period m arty trereacrlon if you do rot pay dv. tad 'Now balance.' b. Asaukq Fititae t7titg. Traraactians which are net s/r)ect m a grece period era ese®d fiarla large 11 from the date of the treraeafon a 21 from rite date the traraaction is processed m your Acmrrr a 3) from the Ntst releMar ley of the nrrerr NMir1p period. Addtialdly, if you rid r1a pay the "New Belarlce hom the previorae ttiMirlg period in ha, frtslr>e dtarges oortdrste m accrue to your trlpsrl ttelertce trsN the urlpeid bderlce re paid in ftaL This meera thn you meV sdN ovaB hlerra largos, even rf yvu pay the axim Now Belarla indreted m the from of your stetemem by the raid freterrterr tioarlg date, Ga rid not do so far the previar morrh. lkpdd Nrarlca dlarpas ere added m the appRca6te eegnent of your Attvarx. 't c. Mhtitren Pittner Cltapa. For each 6i1Nng period clot your a®rrr Isst~ect m a harts largo, a mirirnm total RNAIiCE C{tARGE of 90.50 wNl be imposed If the total hlarlcr. rla~ga re~iMtg from rile of your periods rate(s) is len tftrt a0 60, we er6tran fiat errant fran the 90.60 mtrirttrm and the dffaratoe wlu be biNed to der purdaae sagn0r of ydr ecrnrY. 't d. Terrparay Rtltalot N FitatoYS Crirps• We reserve the right to rot aeedss arty a aN fiance !cargos for any given trNitO paled. 2. Avwaps DW aelrtss fitaisiV New iirdtmsl. a. France large is alalated W mUtidlAng the deNV Falsrta of salt aegtrterr of yar emrrr fe.., rash edverla, purdase, apeld trenfer, std ~d ptrltsse) by the rorrespatdrlg daily periodic rete(el dot has been preNotMy dsdoaed to you. A[ the erd of aedl day Aritg lfa hiNirlg Papd, w'e +tPPIY rite daNY Periods rate for Hach septtatt of yar eccatsx m tla deNy wge ~ ~ aegnerr. T11m et tla trd of the hiing the reshs of dace deNy relnlMiorre to ertive st your pededie hence large for esrh seAttertt. We add tp the reslta from sell segmen m arrive et the tad periods Nrarlca dtarge for ydr aocotra. To gat the deny bdervx for sell ses7rtalt of you ameuY, we take the begkrrtg balance ter esrh aegmertt and add aerrt1yy new tarascdane aM arty odc Tirtrtce large celatleted m the preNaus day's ~rrce for the[ segrten. We thm aubtrec[ any psymerrs a cradre posted es of that ley tftat em Bloated to riot sapltax. This gives ro the aeperete deNy Itdarlce fa aelt segment of your acr~nt. However. If you void rile Now Bals1® shown on yotr prevlaa aimerrtst[ in fiN la if you raw balance wet: zero a e creel[ trrtourl. raw taraectiorts tvhidl Poet m Vat pucMse a meld purdaee aapnars am oat added m the daYy belerlees. We akalate the averege deNyy Yelerla by addrlg aN the daily helarlcas together and dvidttg the sum hV der rtnthar of der days in the erratic bNYr1g cycle. To alnrfate yortr trod Nrarlce charge, nrltlplY Your average deNy helerlce by the dei1V pedaNc rate and by the rrunbar Of days in the bilNrg pedal Due to rarldrtg m a daily Sods, there may Ice e ~t varfame between dtia rela/etion end the errant m barite large ecntMy aaseesed h. It lfa mde 2 or N appear m the tram ai Ws atetemem nets m "Balerce Rata AppNad To; we mlhiply ifs pedodo rate. Te obtain the average daily balance for the billing Qeriod covered by the statement, vve take the begimng balance of soli tregnem each daV. add any new trertasctlaa to each sopnent, and athtran any~ymenta or cmdts. gt 111E tXlde N eppeare m the Iran this atatemerm rein to 'Balarxs Rate Applied To; vie also ahtrect arty upeid finance cFarge irlduded in the balance of each aegn~em.) Thin gives a the dally Mlarlce of each segmem. Then wa add tp all tfte daily halarlees far each segment br the higing ppeedal and dulls by the total nether of deya M the bilNrg period. TNa given ue the average daily balance of each segnem. 3. AmW Pr<orsapa Rstis IAPR). a. The teen 'Amml PeraaYage Rate' may alpmr as APR' m the irerm of thin aretemen. 6. If the rode P IPdme), L (3-r1to. UBOR1, C (Certificate of tN~itaiemem next m ribs pedodcpreieta~the pad~odcf retea and corresPerring ANNUAL PERCENTAGE RATES may vary tlrtartedy and may increase or decreeae based m the smttd Irdcea, as iotrd to The Well Sweat Jarne% plus tfa margM ppmvieraay darlosed to you. TFase ~tet~es win M effecNVe m tfa first ley of yow Silting period covered by your pedodc Slatemem erxirlq in the months January, AprN, JVY and Octeher. c. If the rat D gtdnle), F 11+tto. LN30Ry a O (3irto. LIBOR Repriced MamNy) appeere m the tram of your atatemerrt ro>tt to tfa pededc rateFa), the pedadc rates and mrreapadrlg ANNUAL PERCENTAGE RATES may vary mormNV annddmey increase or decrease based m the stated irrdas, as ford in TM WeU Street .larraf, plus the margin PrelAaudY datlosed to ynu. Tiaae charges w111 he etfectrve m the Nret ley of your billing pedal each march. 4. AaWSltwt rN Lab. Ovr<Nrrtit artd flaantsd Psgmtart Frs. Yorr acrbtnt wNl be esseesed ro more don two of the fees Noted here dot otxv ttrhg arty hNling period, !!rider the tame of ytlrr ntstomer egraemem, we reserve the right m vmlve a rot m etteeas any ices withers prior tledRtadon tv you widlatt wdvkg our right to aseesa der earns a slmNar fees et a later tine. 5.tRerrerita Yar Aosart. If a memberehip foe appears m the ffoM of rills staterrteru, you have 30 days fran tla date title stetenterr was mailed m you to avid peykg the tee a to FaHa such Te6 credted to you if you cancel Your acmrr. Durktg thin Paled, Mott may cor'dntta to tree your arsotnl valdlotr heW1g to pay the menberdip foe. To rental your eecorrd, you must rtodTy tx by ceNrrlg err Qtatrrner Ralatiora Deperunent and pay year 'New Belarlce' i1 fdl (etaittdrg der marrberaFip fee) prior to tie erd of tie W rty~dey paled. B. N Ytra Gala Yttrr Aoosut. You sari repast to lose yyaarr arxarx by retying err (aetaner Rdedore oepartrrten. Yeu torts dasroy your cradt arc(s) and eccotrlt arrEas lisle, ar1ce1 eN prasrtodzed hilNrlg, and rtmse yar evcarr. K yet do not rartcel pmarttnrized hiNktg arranganterss. we wIN ttoneider receipt of a large your srltodzeden m reopen your sanrnt. AdddertaNy, yar aabult wW roi be rJosed rarity You pay so ert+mrrs you owe u ktdttdng: arty traraectiora you have srFlodzed, Ikartce larger, Peat due Fees, ovedkNt fees, rehrrad Peymas tea, rash advance fines erd mY odor fees earleased to yorr acGOtrd. Vou am reapansl6le for dleae amerrre WMdter day appear on ptrr scoots at the tkne yet req.as to dose der eoonrm a they am ilarred atbsagtax to ynr inquest m leas der eavrrr. This may rash in darpas sppraring m your arssttrt attar yvu Mve your acarnt if k bee dready been dosed. For maniple, if you sudlmzed s putchs~ tram a metdten and 1Ae receive tFte tartascdm from the rlartiaru after your aCalnt hen bean dosed. Yer aeeard vA bB reopened, the emtrtrlt Of the rrierge wW be added to your aocarr, aM yyeatt wNl be resporr6le for peyrrarr. If there ie e manthereNp Tee for your aoootnt, the tae viN mrltkrra m be titsr~d to rite eMtrr QemMtted by law, rrrN the eccarrlt balance has !teen pad in iM ea deNred above. 7.tyaig You Aemra.Yar card or eocttult tamer he rtae~In arraction with arty iaemet grnhNrtg treraecdara. B. Nodes Abe! Elsstratis r;Jtsok Cortvrdoet. When you provide a dleclt ae peytlten, You etrinrize ua either to use information irertl yar shack m make a one-tirt+e dectrortic find trerefer fran your balk er~orrx a m process the peymem as a dock traraectin. When we use infmrlatlon Fran your deck m make m dactrorir. krd trerefer, hods rnaY be whfdrewn from your bank accara es nom ss the acne day tin receive yar paynterrt, and you wNl rot receive yrlur clack back from your fsarrlel ratinrion. BILLING RIGHTS SUMMARY Iln Case Ot Emore Or Ouertians Aheur Vour Bile li you tHnk your bill la tvierg, or if you dead more inbnnatlon m a traraectim a till, write to ua m a separate also[ ea aeon es pesdhla at the eddraea for inqudpe shown m rile tram of this atatrsnem. We must leer flan yrtu ro later than 90 deya abet we aem you tM first bill m wtieh the errs a problem appeared. Yeu eon call our Ct~tomer Reladons nether, but doing ao wA not preserve Your dgMc ti ydrr letter, give w the FoHovdrlg inbmtatim' your tame end octant nether, the dollar amntet of the artepected errs, a deecdpdm m the error and an mralaratim, if poraitle, of vA1y you hdieve [tare is an error; a 11 yet need mom inbrtllatten, a desedpdan of the ban you am [tetra dta,t. you do rat have to PaV any amttun in gtterdm wftile we am inw~tigating d, but ya am still ehllge~ed m pay the parts of your hNl tMt am not in ¢reatim. LYFile we in~at~geto your gtteadm, wa reravrt repot you as ddingrtem or take any scrim m rpllel the smarm yw gtteatim. i,i' Spedal Rrle fur Crtxrit Card Purdasea I1 you Pave a problem with der quality of property or services that you purclased wilt a credt card and you have tried 'm geed fain, to correct dre problem with the merllem, you may have the right not to pay der remaining amaum due m the {xopertY err aeMrtea. Yau lave this protectim aiy wlan der Wrdaee pd~ wee mom 7Mn 960.00 and the ptxlase wee made i1 your hone state a whNn 100 miles of ytau malting address. 11f we moat m eperete the merthem, or if we mailed you the adveniaertrem for the prapeny or servlcea, aN pumhear!a are covered regerdeae of amotrm or kretim of pulses.! Please remember to ago ell mrreaperlderlce. t Does not aPPh to carutuner tort-uerti) nerd assaults i Does not appy m hraarsass rpn-credit raid accornts One aryporta ilfamatim privacy protection: tree our at www.capitalarta.cpn. One is a federally mgst~red aeMce mark of Capital astcia Corporation. NI tigMa reserved. ~ 2003 One 01LOLBAK 28771M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (51 business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. THE HARD WAY I THE EASY WAY ° Receive credit card bill. Misplace bill under stack of mail. Frantically search for bill as due date approaches. Find bill, write check. Out of stamps. Post Office closed. Pay bill late. Capital ~j~° vlsA cc>LD AccouNT 4388-6418-2716-8845 Account Snmmarv Payments, Credits and Adjustments JAN 29 -FEB 27, 2001 Page 1 of 1 previous Balance 1247.83 1 20 FEB OVERLIMIT FEE ADJiJSTMENT 125.00- Payments, Credits and Adjustments 175.00 2 22 FEB PAYMENT RECEIVED - TI TANK YOU 50.00- Transactions 17.59 Finance Charges S.OD T:ansacdons New Balance 1190.42 DATF. Minimum Amount Due f15.00 3 27 FEB MONTHLY MEMBERSHIP FEE 16.00 Payment Due Date March 27, 2001 4 27 FEB PAYMENT PROTECTION 1-888-527-6904 1.59 Total Credit Line 1200 Total Available Credit 119.59 Credit Line for Cash 1200 Available Credit for Cash 119.59 !It yourstrvite To call Customer Relations or to report a lost or stolen card: 1-800-903-3637 Srnd paymeMS ta: Send inquiries to: Attn: Remitmntt Procosing Capital One Services Capital One Services P.O. Rox 85147 P.O. Boz 55015 Richmond, VA 23276 Riclunond, VA 23285-5075 F"~~ Chstbcs Pleartsee resnrraridsfo-impartarrt infarnurtion $almuvrafr try Periodv Ca- aading ~~ apflird[o ` P rmr R i PURCHASES 5231.89 .0000096 .009b 5.00 CASH 5.00 .0542596 P 19.8096 5.00 ANNUAL PERCENTAGE RATE applied this period 11412M ~ PLEASE RETURN PORTION BELOW WITH PAYMENT. ~ C~i~1Fd~~/1E'r 0000000 0 4388641827168845 00 0180420050000015004 New Balance 1190.42 Minimum Amount Due 115.00 Payment Due Date March 27, 2001 Total enclosed i Pay Bill Register today at www.caaitalone.com! A'rarr print addns rhmgrs brlom rrrirrg blur ar bla,E ial: 0.0096 Street Gty s~ I Lome Phone Alcemare Phone ~~ ~ DEBORAH L GRAHAM Capital One Bank ~~ 902 ALLEN VIEW DR P.O. Box 85147 ~ ~ MECHANICSBURG PA 17055-8604 Richmond, VA 23276 ,",' ~ Ir~lrlrrllrrrltllrrrlrtlrrllrrrllrr~ll~rrllrrrll~trilr~rllrrrl ~ It~rlllrtrlllrr~rl~lrrlrlrl~rlrrllrrllrr~rlrrlllrrrrrlrlr~ltll Please write your aueunt number on yore' dick m money order made payable to !`,spiral One bank and »wil in the enrlared envela~r ~~ z1P r Manage Your Capital Easy Way .. One° Account The . Online! Enjoy free online account management features that allow you to: • Pay your Capital One bill • Check your available credit • View past and current statements • And much more Register today at WWW.CapItalOne.COm eyberize Capital One is a federally registered service mark of Capital One Financial Corywration. All rights reserved. A 2001 Capital One ~ SM ltllilll~ fltffffllll~ statatNtr. S r ~_ T ttttttt~ ppeeriods rate. Ta obtain the average daily balance ror the dllitg period covered by ttis netemem, we take the begrrang balarce of each sagmem each daV. add any now iraraacticns to eadt sagmem, and subtract arty paymema or nedta. (If rte coda N appears an the from of tHa atalerrterH next to 'Balance Rate Applied To,' W8 also stlnrea anV utpaid tnertce Marge irrluded in the balance of utlt em.l Ttra gvea rya the darly balance of eadt aegnem. Tlrr we add up all the daily balarrcea fa eadt aegoern for the billing period and dvide by the total number of days in the tllllrtg pedal. Tfia gives ua the average Belly helartce of oath segmerd. 3. ArrtuY Wrorttapa Rates iAPRI. a. The teen 'Aartel AercerMSge Bete' may appear as 'APR' an the front of this statanem. b. If the redo P (Prins), L (3-mo. LIBOR), C (Cettiticate of Deposit), a S IBenkcard Prime) appears on the tram of tNa atatemart raxt to the pedode totals), thepe riodc rates and corresportdng ANNUAL PB)CENTAGE RATES may vary grartedy and may rrtcream er decrease based an the stated indoes, as toad in Jhe Wall Street Jound, plus the margin prevtetmly datlosad m you. Theca tla(~es tMN ha effective m the drat day of your Nlling period covered by your pedals atatemern endng in the menthe JaaaN, Apnl, JWy and Oashar. c. If the Dole D (Prkne), F If+rro. LIBOR) or G 13yrto. LIBOR Repriced ManliV) appears an the lrertt of Vary atatrxnrxH next to the pedodc rate(al, tf+e pedode rates and ceneapatdng ANNUAL PERCENTAGE RATES may vary monthly and may Increase or decrease based m the stated Irtdcea, sa taatd in The Wall Sitem .larval, plus the margin previamlV dadoaed to you. Tlteae rhenges will be effective an the first daV of year tilling paned each momh. 4. Aapnmarit Of Leta, Ovrtrrrt and RWanad Patmrnt Feu. Var somrrtt wit be asseaeed rn rrtae hart two of the fees Nsted here that oaau drip arty bWrtg period. Under the tame of your astomer agreemer,<, we reserve the right to waive a not to arraess any fora vviHrort prior rtoHflration ro you vvittrat vvaitMtg our rids ro asses the saute or aimNar fees at a later time. 5.tflarwtira tar Asaaat. If a mantberehip fee appears to the halt of die atatemem, You taus 30 days fran rite tNte Chia statement was mated to yal to avid paying the fee a ro have ratlt fee credted to Wu if you cancel yerr arrant. Dtrkg tltis period, Var met rarrdrttrs to tae War aocant vddtdt hevsg ro pay the memberaHp foe. To cancel tar acmtsn, Vou moat roH1y u by raNrg our n.tarttar ftelatiora oapanmem are pay ynw Now Balance in its (etairrarrg the merrt6erahip feet prior to the end of tfa flirty-daV Padod. 8. yNynatY~rrw~ ~ . Y~~rta Ito rioee DaQaMtar. Yau errlat dstroy tar cradt prd(a) 8tld armsN aocxraa frocks, tbrtcei aN preaaiorized biNirtg, and oeastr~rrg Vary aaarar. N Va ~ not rarcal re~rsip o of ~ Yar aocnrnt. AddtlaraNY. tar acmrrt vdll ror he rrdl yet pay aC amarrs you owe to itcNtdrg: ertV trerraetiora You Mve autlnrized, flrterrce barges, peat dtre fees. overlirit fees. retuned peVntarK raga, nri advtrrwa Teen and arty other fees assessed ro tar aocntnt. Vou ate reaportalhle for tltese smotnM vtaeHer they eppur 011 yurr eVllrlr M the line you rBquelt ro loee Ha eocarH er tray are irtarrrad staaegcar to your request to does the amocru. This may real[ ro ltergea appearing on War aocnrnt obey you have you accorrr if h has already Wean cleead. For axarrtple, if you authotlztd a ptxdaae from a merdarx and we receive the traraecHm from rte merclarrt after your aeoant tae been rloaed, yelr accari vtfll 6e reopened, the errant of the larrggo wN be added ro yetr etsottn, and you wtl f>e rupordhle fa payment. If them a a membareNp tea Tor Vat arnotra, the Tea wNl mrxkrta ro ba lard, to the etsent pamYhed by law, usY tta secant nG has been Pekf M fit es deNned ebova. 7. tlakg tar AooasA.VOU card or aocaan rarnot be used ro correction witty any intemet 9~~n9 trarreacHaa. 8. Nstlw Abet Elaalanis daaek Or•arralan. Wien you provide a lat:k as payment, You arrfndze ua eittrsr to tae infomvadon from you lack to make a ortefime elearolc fund herofr from yar bertk accotart a to pfotESa Hre payment as a Brack traraeetfnn. Wien vve use itfametlen from yar lreclc to make an electrtnic ftrd trerefer, Tlr1[t9 may be Whhdralaat from y«r bank arrant u soon ae the name ley we receive yar ~~~a eel ~tu~' receive War clack beck iron BILLING RIGHTS SUMMARY Iln Case OI Errors Or OreMiats Akan Vwr Bill) It yen think your hiN is vvrarg, or ii you reed more inrormafian an a trartaecticn or biN, write to ue On a separate sheet as seat ea poaeihle at the addtesa /nr rxluries shaven on the from of this atatemem. We moat twat from y+ort no later than 80 deys after we sere Wn the first tiN m vJtirir tie error a praWem appeared. Vou can tall our Customer Relatiaa aanber, htn dcirq ae vviN not ppreserve your ridda. In Van letter. drat tm the fdletkfng inrormnicn: your name and accent frmher, the doper amaan of the atrepected error, a deaedpaan of the error and aft et~lanetirn, if poaaiHe, of whyy you believe there is an error; or it yea reed more infemtaticn, a descriptlm at the item you are tatwre about. Vau do not have to PeV ~V amarrt )n quutim whNe we are inveatigetinp n, htn you am afill ahtgetad to pay the parts et your NII that are not in gtenian. ewe in a your gres$m, we ramu repot you s delinquent or take any actim to caNect the amarrt you grealim. i,t Special Rvie For Cradn Card Ptxlaaes If you have a problem with rite quaNry o1 property er services flat you purcheaed vJth a credt um and ya, taus tried in good forth ro mrreet fta prodem viH, de memhem, you may Mve the right not to pay the remaining amarrt due on the propenV a services. Yeu lave tNa prerectian sly wfan da purdaae price wee more than 960.00 and the purchase was made in your frame State a witfin 100 mNea of you maNing addres. tit we own or epemte the merlarrt, er rf we malted you the advenifemem for the prapenV or snicea, aN purlasea are covered regardeu of amorar or IocaHon of purchase.) geese rananber to slgt all correapmdnrE. t Does ror apply to earrsrutar tnu-ued! card ecre~rus 3 Dees tat appty rn d~vrte,4s non-raedi! caM accants Capital Otte ayporte intamatien privacy prarxtion: see our VYeb81tB 8t WWW.ccaeppt1alOrle.Wm. Capital One is a kderally regstared aervfce mark o1 Capital One Hnartcral Corporalran. All ridna reserved. a 2003 Capital One Ol LGLBAK ta. Oral Pried. Vou tntll have s minimtm grace period of 75 Mya without fitertce charge on new prudases, new balance trerafers, raw apaiel prxdteaas end raw odor ltergea if yttu PaY tar total 'New Balettt~', m ecxordartce with ifs inPortar liodca frx payntants below, and ro time for h to ba eradted by you rata stetemerr dosing date. TFare re no grace period rxt cash advances and special trrafere. iv addtkn, there Is ro grace period m arty trereaction if you do rot pay the total 'Now balarce.' b. Aoaukg Fnanea tlrrpa• Trartsectiorre tatich are not stb(riy to s grace period ere aaesesad Nrterr:e dargB 11 frtxn the date of the trarearniar M 2) from the deco the traraectiat is procx:ued to your Aanrrr a 3) from de flra[ raladar day of the nneru HNrrr~ period. Addtiatelly, if you d'd mf pay the 'New Balance from tie previds ltiNirtg peritd h hN, trance Barges rxniirre•to accrue to your ratpae balarrs trtdl tte upaid balance rs paid in ital. Tiffs meara Htat you mayBMStnirN~owe frarr~ dierges, even if yyo r ~etarnrrr by na next statdnerr closing date, butodid net do eo for tie prev{as morrrh. Uripeid firartce ltargaa are added to the appYrahle asDnent of Your Atxnrrrr. 'r c. M.irrtan Flrranq Chrps• For eadt billing pedal that yax atxnrn is s>bject ro a flnerrs Berge, a mmknrm total RNANCE CFIARGE of 9D.50 wNl be imposed It the foci fktartee rhorge resulting from the an of your pedodc reteW is lees flan 90.60, ws N arbtraa that arrant from the 90.50 rnWmtm ertd the difarertce will be tiNad to the P~~ 8e~ttertt of tar etmtsrr. t d. Tarrperary Rtlralian 'n iF irtd dugs. We reserve the ridY to rot eareu any or aN tiarxx charges for any given biling ppeer~~ind. 2. Avraga Oaiy BaYrras fkddq Now lhralaeul. e. Fnerrce charge la ralaiated by mtltipying the gaily balance of each aegmeru of yar aabtrr (e.$., tari h~aHe ai po Brig ~V periods rat ~ H~iat has~heat~) pretdoc®IV d~o~d to Vat• At tie erd of salt daV tkrixt the NNkq Period, we apdY the daily pariedc rota for s sagnent of your amatrH to tie ~ balance of eel[ segment. Tian at the end of the 6ANrrg period, we add rp rite rescNs of these daily ralaiatiaa m arrive m Vat ~iesats from exh sepoen too ertive~it~the sal ped~odc Snerrce rYarge for yar eerocnt. To get the daiN balance fa salt sagrrent of your aocartt, we take the beArrtirg balenoe for eel[ sagnnent end add aerrWty new tucaatlara and anyps dock fitertce large tslaaated to the pmNais day's balance for tier sagrrtatt. We then srattraet en peyeratta a credts posted as of Hat day Hat are allocated to that aegneru. TTia gives r8 the separate daily balance fa radt sagrrarrt of your aancnt. Hovrever. If you the New Belarr~ slvwn m Yar P~~ sroterrrertt in 1 (or if your new belartce was ztsro a a cradt antarr), raw traraeaiora wtilt treat to tar PcreYaee or epele! purdaas aagneris ere rot added m Hte daNV balarrs. We celaiate the average daffy baMrtce bV addng aN the daily balances tagetter and dvidrg the am by tie nsnber of the days in Hte arrant btlkt9 cWle. To talaaate your tmal firertce charge, ra/tglY Your acreage deny baance by He daNype dodo rote and bV tta aarrber Pf days n the bi1Mg period. Drs to rdrtdrtg en a daily basis, there maV le a alidK variattrs between His rakxaetfon end the arttotsr of finance ci,arge antaNV eaaesed. b. It the code 2 ar N appears to the traH of this atatemem text to 'Relents Rate Applied To: we erratrply rte - - ~1d12M Important Notice: Your payment will be stalked to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing canter by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five t5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Nbnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. ~I~~One' Cardholder, A Premium wile tamp Has Been Reserved For You! • Refillable ink cartridge •Self-inking-No more • Use anytime, anywhere messy ink pads! • Limited lifetime warranty • Thousands of clear impressions without re-inking ^ Please send me a KwikStamp using my name and address as R appears on my statement and ship to that address. Please charge' my Capital One` account. Account number: 4388-6418-2716-884.5 Customer's Signature lvdW oMy rile full atanawM 298927 Compote back to order additional KwikStampa. Detach at perlorelion and ratum in your remittance envelope. FEB 28 -MAR 27, 2001 Page 1 of 1 X990 >t Cana f:hfP ir>R r>ein&' DE80RAH L GRAHAM 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 ,aa~~'~~' V1SA GOLD ACCOUNT 4388-6418-2716-8845 Account S Previous Balance 5160.42 Payments, Credits and Adjustments 550.00 Transactions 1721 Finance Charges ;.00 New Balance 1137.63 Minimum Amount Due 515.00 Payment Due Date April 27, 2001 Total Credit Line 1200 Total Available Credit 162.37 Credit Line for Cash 1200 Available Credit for Cash ;62.37 At your s~ruict To cAD Customer Relations or to report a lost or stolrn and 1-800-903-36J7 Send paymrnu to: Send inquiries to: Attn: Remittance Processing Capital One Services Capital One Seyvina P.O. Bex 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Imvortant Afxonnt lnfiormation "Important Information"Please see the paragraphs entitled "Closing Your Amount" and "Using Your Account" on the back of this statement for important information regarding your account. Payments, Credits and Adjustments 1 14 MAR PAYMENT RECEIVED -THANK YOU 550.00- Transactions DATE 2 27 MAR MONTHLY MEMAERSHIP FEE ;6.00 3 27 MAR PAYMENT PROTECTION 1-888-527-69(}4 1.21 Fislaltce C}tatges Plcatesa recrrsasirkfdr important infornrruion 8dmrn tart Pniodr e~lmd~lg applirdto radr ~dYK PU1tCHASFS 3155.63 .0000096 .009b 3.00 CASH 1.00 .0542596 P 19.8096 3.00 ANNUAL PERCENTAGE RATE applied this period 313960M • PLEASE RETURN PORTION AF.LOW WITH PAYMENT. • Capi~~~i?e' 0000000 0 4388641827168845 00 0137630050000015002 NeK, Balance ;137.63 Minirmun Amount Due E15.00 Payment Due Date Apri127, 2001 Total enclosed S R'rart frirtt addrsr rhmr,~rs brloru rung blur or bla<,E ink D 0.0096 srr~r ~ Gq, Sere ZIP Home Phone Alternate Phone Capital One Bank ~ DEBORAH L GRAHAM c ~~ 902 ALLENVIEW DR P.O. Sox 85147 `a MECHANICSBURG PA 17055-8604 Richmond, VA 23276 m ^~ ~n~s~n~~us~i~~us~s~~u~~m~~nr~~ns~~nr~~ur~~us~~us~ ° ~ ~ns~~~us~~~nu~s~n~s~s~u~u~~n~~uu~u~~~nur~s~u~r~~ Pleare write yow auoant nnrnber on your dxcF or money order made payable to ~pital One $an,6 and mail in the endured emuelape r 7b order atidltiorwl Premium Kw&Sttamp(il, please eornp/ab tM Iorm below. P/aaae frrr/Ga t:Nariy, liYsQlbls ceder fiomts will sbw the processfrtp. Line 1 ~~ ~~ r r tNNNt~ ~_ NNNtN~ ~~ g Line 2 Line 3 Line 4 line s Maximum of 32 Lattera and Spaces Per Line Line 1 Llna 2 Line 3 Line 4 Line 5 Maximum of 32 Cellars and Spaces Par Line H your shlpp/nq address /a dlfhront from addreaa on your staterNltMt, please complete tYte form below. All orders will be shipped to the same address. Print Name City Stella _ _ - 21P Daytime Phone ( - ' Subject to credo epprovd. MN reaidatb add sales tax. Plsasa aNOw 3.5 tvsaW for dNivety. Ttr marchsndlsa h tilts tHhr and 1M Mkt f1aeN ere preeanted by Jrps-0hon Co. 7500 Dtcahier alvd, St. Louis Park, MN 56428519. Jtps-ONan Co., an indepeMent comparry epsdalisnq In nrllorder sales, k raNdy roeponaibb for the products o8sred, std N not e8lNaeed rvNh CapNal Orr rirtaneial Corp. ONx arrpiraa May 31, 2001. CapltN Ono Is a rod.nuy +eyVatsnd trrvloe madr m CepNd One Rnawtd CorPOraton. NI rlNlds reserved. 0 tom t^,apltal one pedude rate. To obtain the average daily balance for the billing pedod covered by ttis atatemem, vas take the hegirrwlg balance of eaM aegrltem each daY. add arty rew trerractlaro fo eaM segment, and abtraa any paymema or ctedta. (If file code N apf~ean an the Sram of this aretemam rent to '8elence Rate Apdied To,' we also subtract any rapeid tinarne rlarga irlduded In the balance of eaM ~gtnem.) This gives u tfle daNy halarlce of cacti aegmertt. TFten vue add rp all the daily balanoea for each aegmem tar the hiNing ppeErigid aril dvida by the turd number of days in the billing period. This glues u the average daily balance of each rpnem. 3. ArntY Prearap Rotas IAPR). e. The tarot 'Natal Percerxege Rate' may appear as 'APR' On the from of this statemen. b. If the rode P {Pdmel, L (3-rtto. IJBORI, C (Certificate of tlrlernent IBankca tm~P~s )~acppear~an~ ptero~ct rates and corteaPardnO ANNUAL PERCENTAGE RATES may vary quattedy and may irnrrase or decrease based m the stated rxices, as found in The Walt 3lreet Idwna; tiro the margin ppreviady diadoaed to you. These dlar~a wiN he eTlectlve an the first day at year biNilg period covered by your pedodc aratanerrt ruing In the mamba January, Apd, July and October. c. If the coda D (Priral, F (7-mD. LIBOR) d O (3Krlo. LIBOR Reprkx~ ManrHyl appears on the lydn of ywr aatemem next to the pedadc rate(s), the pedodc rates and cerreapoldrlg APNd1AL PEACFTRAGE RATES may vary mouthy and may Increase or decrease based an /he stated IMrea, as fotM in The Wed Street .loranal, dos the margin pretlotrly dsdosed to you. TFru darlgu will re effective an the fret daY of your Riling period each month. 4. Ataronart M Leta, Ovrtrrrt std Raentad Paymrr Fw. Vour acrbrrt wNl lxt asrasad ro rode then two of the fees Nsted hem dot ttoctlr daitg rV hiaktg period lJrldar tfa terms of ydw aroorrter agreemetx, wa reserve dr tight to waive a rot ro aa®r any fees vrMlotr prbr nodfiratlm to vrldlorr walvitg err right ro arar me same or similar at a kter lira. 5. Ynr Aemnt. If a ment6enFip fee appears m the front of tFia stetertarx, Vat have 30 days from ills date tilts atrrterrrn was trteNed m yea m avoid peyfrtg the fee a to lave arch fee eradted to you If you rarttbl yttur adbrr/. hrtdrig lflis period, you may cerailra ro use ydr exam vdtltorrt having to PaV the robmei~e~reNpbY caWr g our Crart FAeletlan~tl)epartntdtt memb dip feel prig t erxf of (the thrry•dany Period 8. N Yau G6aa Yrar Aomwt. Vou ran request ro dose yyaarr acoorrr by raarq our (ataomer Relstims Oepsrtmertt. Vou rtasl destroy your credt fardla) and ecrorra soar dtacka, carnal aN preaafnrized biting, and ®ese r~rlg ydw acoaax. If you do rot carrel pred8gdzed hil4rrg arrergernenta, wa wit corridor reraipt of a ctrerige ydw arrtndzaddt to reopen your ec:aotrtt. AddhiateNy, your acmrsrt wNl rot be dosed anti you pay aM xrtnrrs you owe to ildurjrlg: any trarrecUdle ytv have awfadzed, grterlrB tlargas, pear due fees, overNmit fees, rennad peynerw fees. matt advance fees gird arryr ester fees argued ro ytxx arrornt. Veu are reapdWhle for fleas errloraxa wfatfrr tray appear on yar ecxant ar lice rkro yd, ret}rea to rJD9B the axarn M they are i1Llwred ffirbaeQldlr to yea regiat ro daces the eccorrx. This may real[ in dargea apprdrtg an your erlxxrt after you have yxw ecrocwx if k Iles already been dosed. For exerlple, if you eialldized a purchase from a nterdtart end vve receive the trarracdm from the merdrnt after yar aocnrsrt Ito been rJOaed, Your ertdwx wal he reof>ened, the aritatwx of the riterQ~~vW be sddad ro ydw sacoua, aM ~ypnut v,iN 6e responede fa payment. If them M a mentherahip foe fa your adbratr, the fee vAN comkare ro be charr~paedd, to the etaerx penrttted by law, rash the amdnt bhertce has been pad fn fiN u defined shove. 7. UaYrp Ym Aoarant.Your card d aaarlt carrot he used fn rorrrerliort with arty inemet gambling rrarrecgarr. 0. rloaDa Abdt ElaoYarrio CJtark Carruaraian. When you provkle a tittle as paymertt, you etattedze ue eider ro use Infomtatkwt from yar daek ro make a Onetime eletxrortic turd trertsfer from your beNc acxotnt or ro prorau the payntem ea a dock trataaction. When we use itfomtation from yorr dock ro make an electrartic boil trertafer, fordo root ba ruhftdewn from yaw boric amdaR u soon ea the acme day we receive your paymefx, and yea wil rot receive year clack beck from your fataxial irrdtltdm. BILLING RK3HTS SUMMARY {In Cane Of Erron Or Oueatians About Yaur RilO 11 tau think your 6111 is wrong, or if ya, need more Inbrmatim an a trerrectian or hill, v+dfe to ue m a aeparme stleft as seen as poaei6le at the address tar inquiries slnvKl on the from Of this autdnem. We moat hear from you ro later than 80 datyaa after we sem yea the Aral bill on tvklrll the ertd d pretlem appured. You can call Our Cuatamer Fielatierr amber, hid ddrg ao wiN not preserve Your dgMa. h yax letter, give us the foNawirlg intormafim: your name aril aceasx acrobat, the dolor amdrn of the suspected error, a ducdptlan Of the erter and an etapleratiat, if paedde, at vfiy yea tleNeve there fa an error, or if you road more in101matren, a descdpdm of the itrat you ere attars atxxn. Vou do rot Flave to PaY roV amnwa in quearim whNe tae are inveatigetlnp h, but you are grill adiga~ed to pay the parts Of your d'll thm are tiro in queadm. NMIe we invaetigete ydu queatim, we c~rlrat repen yea u delin¢rdlt d take any action to cdlect the amarn yea question. i,t' Special File Pot Credo Card Purdteaea 11 you have a problem with the qudaV of proPenY or services that yea purohased with a credt card aril you have tried in good fadh io cerrect the erotism whh the menilem, you may Mve the right nOt to pay the remairting amard due an the rtY d cruises. Vou have d3a prolectien illy wlldl tf+a prailase price was mom rtlan 850.00 aril Mle purchau was made in your home state Oz within 100 miles of your mailing address. IIf we mnsl or Operate the merdam, or If we maNed yea tfvl advertirrilem for the prapeny or senlr:es, aN purrhasea are cevered regarder et smart or kratian of purdase.i Phase remrmlter to sign ell cerreaporlderlce. t does not epPh' td oortsrnr+rr~on-credit card accounts I Dons not apply to daitess non-r~adk raid aCCOUets O I O ~ N One rfuppons infdmaUOn pdvecV pratectlan: see our at www.caP'talarle.can. One is a federally reglatered service mark of Capital arldal Corporation. All dghta reserved. 0 2003 One _ _ 01LGLBAK FbW To Avoid A Fiwwa tlrrea. ta. (iraoa Pared. Vou tafll have a mWmun grace pedod at 25 days witttou[ firtertra clarge on new prrrrheaes, new belarloe trorefen, new epdirtl purrJasea end new other dtergsa if Y~ MY Vow tefal 'New Belalce', m arLarderlae with the itrportant Notice for payrtrnta bebw, arN in torte for k m txs credited by your react stetemertt doei>g date. There is ro Ors pedod m cash advanoee ad apadal trerrfera. M addeert, there is ro $rece pedod an a,y tmrractiro d you do not pay do total New Mlarlm.' 6. Acauila Fiwlaa tlvgs. Trerteactlarr wNch are rot auhjec:t to a grace ftarled are aaeauad frartce riarge 1) fldn lta tiara Df tfte treraaeffen M 2) frertl fhb date rile trorractkn is prdYraed to yaw Accawa or 3) from ills first ratender day of the awrerx biNin~ period. Additkrally, if you did not PaV the 'New, lialartce from the Prevtars bNNrlg period in full. Nrtertra charges mrtrtirlrra ro eccnre m your capaM ltelartce affil the capaid 6elartce is paid in ftll. Thin meero dot you may sell owe fatatra rlargea, even if yal pay the entlre New B~dertce kdrated m the frvn of your statemerx W the raxr statement dDeing date. taw did not do eo Tor the preNats mdxh Unpaid firorlae charges ere added to the s~~ seglterY of your Accawa. 't c. Nartirtarrt Fiarta. cataaa• Far each fining period that yaw eooorrt is ss..~~eat m a flrtertre cfierge, a mirtktaxn toW RNANCE CHAAOE of 90.50 wa be knpoeed. If the total Nrlartce cisrga re®ltlng from the spyiradm of yxu pedodc retetsl b leas then 80.50, we wiN srhtrect that smart firm the 80.50 rrtirintrm and the diterartce wiN be titad to tfa purdar of your acceran. t d. Tarrpenry Radrrc~iort i~ Grrga. We reserve the dgfx ro not assess any ar aM fiarrx tiretges Tor any given biNitg period. 2. Avaraaa Daiy 9aWaa is+eYrdnO Now praftrr). a. Frortce charge is ulaiated y mrltidying the daily balertce of eadl segmerx of your amarn (e.g., cash advance, ptrciar, aperiel trerrfer, aril apedal ptxriasel by the mrre~dtdxtg daly padodc rate(s) that has been previordy dsdoaed ro ynr. At the aril of sad. day drktg tits fiMirg period, we apply the daily pedodn rate for arch sagrndlt of Yarr emocsK to the deNy balance of serif To~thesa deNY oralasatiorle to eP~~ ateya~r ~ pedodc franca clwrge ter each segntem. We add rp the rearlts from eadt segment ro active at the trial pedadC firarlce charge for yaX arrmrrx. To get the dilly betartce (or earn aegmerw of your aman4 we take tfa begirlitg balance for each aegmertt arid add eMr~tyy raw treroaneerr std anV pedodc fiance clterge calelleted on the preNaat day's balance !or ttat aegtnerx. We than auhtrarz arty paymerxs a cradle pooled r of that day that era dlOrated to (fat segtterx. TFia gives ua the rperete defy balance for emit aegroflt of your acoorax. However, if yea paid the New, Balance ahowtt on your previorrs stetenrem n fill {or if your raw balartre was zero or a crttdt rtarx). rlelN trerrerYiora wflith post ro Yaw purdar or apedal pumlar aegmerxa are rot added ro the daYY belartces. We caldlete the average defy balance by addng eN the daily balances tagetlar aril dvMng the arm by the nslt6er of the days in the attract hllirtg cycle. To raletlate your trial 8rortee Htsrga, tnHidY Y~ everege daily balerlce by the deb y pedodo rate and W the amber of days in the bNlinO period. Oua to randrtg m a daily trams, them may he a slight variartrE hetlueerl dtb ralotlatien and the arnaatt of firorrxt r3arpe actueNy asaeaned h. It the txxle Z or N appran m the lrmt of this atafemers natd ro ' Balertre Rata Appked To,' we mlhiply (fie . . 389t30N1 Important No/ice: Your payment will be credited to your account as of the data we receive k, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing canter by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p,m. PT. Please allow at least five l5- business days for postal delivery. Payments received by us at any other bcation or in another form may not be credited the same day we receive them. Our business days are ttlbnday through Saturday, excluding holidays. Please do oat use staples, paper clips, etc. when preparing your payment. DAViD GRAY: WHITE LADDER David is one of my favorite artists -beautiful in the purest and most honest way. - Dave Matthews DIDO: NO ANGEL British songstress Dido -across between Sarah McLachlan and Sinead O'Connor - is racing toward pop stardom. And considering the beauty of No Angel, stardom is around the bend. - Eile ALABAMA: WHEN IT ALL GOES SOUTH From the RIAA Country Group of the Century, Alabama soars in1 the new millennium with When /t Ail Goes South. 0-TOWN: O-TOWN From ABC's series Making the Band with their new hit single Liquid Dreams from their self-titled debut album. C~pi~'~~s VISA GOLD ACCOUNT 4388-6418-2716-8845 524700-01 S3 off regular price S1 off sale price on any of the full length CDs featured here when you bring this coupon into participating Sem Goody stores. Go to samgoody.com/capitalone to sample the music and buy the CDs at these same special prices. - ood ~" ~^ y ~ r~ ~0dtrtl~l`^;ts ~o ~ Limit one Rem per coupon. Offer cannot be used in ~o conjunction with any other coupon, sale offer, special ~o order or online purchase. Coupon valid March 1, 2001 ~ through May 31, 2001. o MAR 28 -APR 27, 2001 Page 1 of 1 Account Sutntnary Payments, Credits and Adjustments Previous Balance 1137.63 1 12 APR PAYMENT RECEIVED -'T`HANK YOU 150.00- Payments, Credits and Adjustments 550.00 Transactions (115.00 `T'ranmrripttg Finance Charges 1.00 DATE New Balance 1202.63 2 07 APR SUPER SHOE S'T'ORES MECHANICSBUR PA (29.99 Mirumttrn Amount Due 115.00 3 10 APR SIIEETZ 11201 MECHANICBURG PA 18.60 Payment 1~>P Date May 26, 2001 q 11 APR SUNOCO KING OF PRUS PA 19.85 S 16 APR VALUE CITY FUR00000927 MECHANICSBURG PA 10.59 Total Credit Line 1200 6 16 APR BI.oCKBUST'ER VIDEO #1421 WINDSOR PARK PA 11.63 Total Available Credit 1.00 7 23 APR TURKEY HILL 240 MECHANICSBURG PA 16.55 Credit Line for Cash Available Credit for Cash X00 1.00 8 27 APR MONTHLY MEMBERSHIP FEE 6•~ 9 27 APR PAYMENT PROTECTION 1-888-527-6904 1.79 pit yoursrruia To call Csutotner Relations or to report a lost et Stolen rand: 1-800-903-3637 Send prymenu te: Send itlquirilt to: Attn: Remittance Processing Capital One Services Capital One Servir~ P.O. Box 85147 P.O. Box x5015 Richmond, VA 23276 Richmond, VA 23285-5015 FinatLCe Ghatges Please ra rcuenc.ridc for impurtaru information BalaRn rare A+iadir Casrtsbana5st ~~ opflirdtn rafr R PiJRCHASFS 3165.18 .0000096 .0096 3.00 CASH 3.00 .0501496P 18.30% 3.00 ANNUAL PERCENTAGE RATE applied this period 0.0046 7080M PLEASE RETURN PORTION BELOW WITH PAYMENT. ~ ~~~~Y16` 0000000 0 4388641827168845 00 0202630050000015002 New Balance 1202.63 Minimum Amount Due 115.00 Payment Due Date May 26, 2001 Total enclosed i a~ Capital One Bank ~ DEBORAH L GRAHAM o ~ 902 ALLENVIEW DR P.O. Box 85147 m MECHANICSBURG PA 17055-8604 Richmond, VA 23276 ~ a~ I~rlrlr~llrrrlrllrrrl~Ilr~llrrrlirrrll~rrllrr~lirrrllrrrllrrrl ~ Irrrlll~~rlilr~rrlrlrrlrlrlrrlr~ll~rllrrrrl~rlllrrrrrlrl~rlrll Pleare write yosn auaunt number on yarn dick or money ceder made payable to ('spits! One Ban.F and mail in the enchsed enrxlapt Pleaseprint address rlwmrrslndov„avng btw vrstark ncL str~r ~ r Gry $t h ZIP Home Phone Alurnax FMne r SBYC 011 SCICCI $OIIBd8 WiTh 581116BOdy! DAVID GRAY: WHITE LADDER o ALABAMA: WHEN IT ALL GOES SOUTH l o DIDO: NO ANGEL o 0-TOWN: O-TOWN Tats coupoe ootltle: you to S8 oft tho rogafer price or $1 oft the aelo prlco on •ny of the full length CO= festered pore wfyea yar percbese teem at [taro Goody. Yf:It eemgoody.com/cepltelone to sample the mu:ic sari buy tae CDs et these =peciel price:. BMG 8 Sam Goody are not affiliated with Capital One, and Capial One does rot provide or endorse any products a services offered here. Capael One is a lederelly registered service mark of CaDhal One Finenclal Corporatlon. All rights reserved. ®2001 CapNal One ttr t~ I' l~ ~~ NNNN~ l~ N~ NNE N~ tt~~ ~_ t~ tflfftt~ 8 O o N N ppe~AOdre rate. To drain the average daNV balance for the billing Period covered by tNa saterttent, we take iM hegimng Mlartce or each se9mmt earn day, add any new traneactian to Um aegnrstt, and shtraet any paymema or cre61s. (H Ate txxle N appears on the from of this aetemem nxl to 'Balance Rate Applied To,' wa also sbtreet any tnpaid 9rtarxxt charge indtded in the baance of each aegn~em.) This gees ce the daily balerx:e of each aegmern. Tfren we add up eN the deNy helarrea for each aegnern for the 6tlling period and divide by tM total amber a1 days in ri,8 INng period. This gives ua the average daily Mlarxe of each aegnem. 3. Arwrl Parartape RaEaa IAPR1. e. The term 'Amttal Peroerrege Rafe' ropy appear ea 'APR' m the trdrtt of this antemem. b. If the code P g'Arnel, L (3ano. LIBOR>, C (Certificate of Deposit), or S t8ankcad PAme) appears an the hoot of ttra atatemem rext to the periodic rate(s), the parirxSc retea and correapardrg ANNUAL PERCENTAGE RATES may vary tluerterly and may increase or derresae Msad m the elated indtxn, as lard in 7Ae Ws// street JorrrW, pus the margin DDreviotmlV disclosed to you. TFreae ,~ar~ea wIN be effective on the flrst day at your biting period caeered by year peAodc aratemertt erd'ing in the months January, ApAI, Jtly and October. c. If the Code D (Prime), F (1-mo. LIBOR) a O (3-nro. LIBOR Reprised Merrtliy) eppeare m the hart of your natemeM next to the peAedc rate(s), the pedodo cross and mrreapadrq ANNUAL PERCENTAGE RATES may vary mrrtlNV and may increase er deeresae based an the anted irtdces, as Lard M T(te Wee Street Jams/, plus the margn prevfarely 6adosed to Vou. Tftese charges WII M effective m 1M feral daV of your MINrg peAod sari[ march. 4. Apaesrtrit Of Lrta. Durrett acid Raeanad paNnarr Fass. Your smart[ wi be esaeaaed ro mere tltert two of the fees Need here tMt ttav drirtg arry hNNrtp period. lirtdar the temp of your aitorrter agreerrtet><, we roaat~e the right to waive a rot to assess sty Mee wiAtnttl actor rloaifiration to wftheul weivkg our Agftt ro assess the same n simian n a later tkne. 5. Yar Aomnt. If a rnarnbarahtp tea appears en the fiorl of 1Na statement, you have 30 days from the data this statetttaa was rneiled to you to avoid gtYkg the fee a to have sash fee created to yar if you r~l Yar apcant. OraYg this period, Von may rxx'itlntxr to use You eopara wMretl Mefrtg to pay the rnerrThershtp tea. To rsttoel ydr acmtrd, yet roar notify us by charg our Qrtemer Rrtlatiorts Depertrnen and pay Wt New Balance in frI letaitrdrg the rnentberai rtes) i~r to the end of the rfrrty~eY Parent. 8. N Yw Cba Ytttr Aoaant. You cars ragteat to dose your eordnt by rsNktg ar Gateman Rdatiaw DeParvnerr. You rant desroy yar credt rardls) and award arrsas dracks, rar>cel aN Wzed bilNrg, and cease t~inp your acmurt. If you do rot cartoel pr~tafpAzed hWrg arrstpamerss, we wrWeopme~neiydaarr ra~ipt o} a dterpe Vac etsttoAzeriert to ba dosed amaum. AdritiorteMY. Vex accorrtt wy rot uaN Vro PaY aN srtotrds Vat plea u itdudrg any trataecdorts you Mee autlnAZed, flrterrce tltergee, past due fees, ovarNrrrit fees, rettrited paVrnerr fees, rash advertce fees and arty eArer teas esseased to yar adoarn. Ytxl em raspataihle for Uwe atrtarrs wfredrer they appear an yar arrant st rice time you req,tas to dose the amoum a they ere ktnrred s>bee¢erx to You regtes[ to dose the accatrd. Tlra may real[ in dtargas appearing on You! ecratrrt. after you Mee if~yott euthoAzed a sptadtaae fret[[ a merdten ~ e, receive tM tralaecdm barn tM rmmlterr after your AopoutC has been Ctea9d, Y~r secant wiN ha reopened, the emrxrr of the eMrge taiNl be added to yar arrant, aM yyoeuu will M resportsltle for payrrtsd. If them k a menl6enNp fee for your saaun, the fee wy cordate to M dtsrrd~aedd~~ to the extant Perrtthted by law, trrN the arxant belsrtce has beat pest in Al se deirted above. 7. llsirt0 Yar Aeeauk.Yar r~rd or acoarrt carrot be used in tarcgctlen with any intarrtet gantMing trerteactlorre. B. Nstioa Ahat Elaa4arria gtaok Qorrvrrlan. When Vm provide a dteck n peytnert, you attdtodze n eiriter ro use intamatien tram your dterJc to make a artatitne dectmrlic fttrd trerefer from yar [tank aanrnt a to process the peymrxs as a dteck trstaarlion. When we use ktformatien from yar dteck to make an drtctronic find tranter, funds maV be NAtlr~awn how your bartlt acmtrd as [loon ea the same day we reiwiva yatr payntad, ertd you wy rot receive ynx cMCk beck flan your thtstdal rterihtdlrt. BILLING RIGHTS SUMMARY (In Case Of Errors Or Otteatltns About Vrtur Bi10 li ya think your HN is wrong, a if you need more Infamatlen on a vartaectim nr dN, write to ua on a aeperete sheet as seen ae poaNlie at the address fa rrtgliAes shown on the fralA of ttis statanad. We must iwsr bars you ro later then 80 deq after eve amt you the fits[ hiN m wtich the error er pre6lem appeared Vou can call cur Gmlamer Rdatiaa amber, hul doing is wiN not Preserve year dgMa ti your letter, glue w the falbvting mfemnriem your nme and accarrn nrrrher, the dollar amotm of the atnperded error, a descrfptian of fie error and an etpMrtatim, it pmalhle, of v/tY yar believe there is an error, er if ya, need mats infomtatren, a deacAptlon of the item you are trtxre shad. you do not have to pay any amours in rrresrion wits we are M~estigatirq It, but ytlu are still ahigefad to pay the parts of year lx'll that am not in gr«•stim. WHIe we Inveatigsa your ¢rstim, wa cerxat report you ea delirgttatt or take any aeeen fo ceNect the amatrh yet, 4tesAm. i,t Special RJe far Credit Card Purchases It yar have a pradem with the ¢telity of preDanV or services that you pureMsed Wth a credt card and you have tAeA in good faith to oonect the pradem with the merchant, you may have rice right oat to pay the remairiing errand due trl the property a senitxts. Vou have this protection prey wften the purchase price was more than 950.00 and the pureMx was made in yar hrme state a within 100 miles of yes mating address. tit we own or operate the mercftem, a it tae mailed Veu the adverriaemem for the PmDatY or services, aN purchases are covered regardess of ametm or Ytearim of purrheae.) Please renternber to sign all mmeaportdrrtce. 'r Does riot apply to rMetrrrl rxvfrredii card accounts 1 t7oes rot appty to txuaress con-credit card accorarts Capital One attpports infamatittn privacy protectiar. see txr vrelmite at www.ccaappttaaiane.can. Capital One is a tederagy tared aeMce mark of Capital One Fttstctal Corporation. All r1gMa reserved. a 2003 Capital One D7 LGLBAK to liraea Par6d. Yeu will Mee s mirtimun grace peded of 26 daVa tsiArotr TMwrce drerge at new purdteses, new Mlarroe treMMre, new spedal ptxehases and new otltar ehergas if Vou PeV Vac tdd 'New BMstrB', at arrtnlstce with tM k1lPortxN Notice for paymerxa below, and in tints for h [o M ae6ted by yar recd satemerr doektg rises. Theta re ro grace peAtd on rash advarttYa and rgaial tranfere. Nt addition, there is ro $raee peAod on arty transaction d you do m[ pay the total New h. Aomsrp Fierce Qvya. Trertsac[iorre whidt are not s.6ject to a grans period ate es®eaed Attattce dtetge 1/ from the date of the trarraefton a 2) from the date the tnrteactkn is prmeased to your Accent a 3) from the first rslader day of the anent hykt~ period. /adatimellV, if you rid rat pay the 'New Balance fran the previa>s biNkg peAod in ft/, frrarr® charges mraktte to emote to your taped balerrce trill the unpaid ttelertce is paid in fJl. Thin mean that you rosyy ray owe lktertce tlterges, even if you paY the easire Newr BalstrB indicated on the front of your statamertt W the rext gtetemerd doextg rote, txr dkt not do so for the prevfas mash. Urlpeid finertrs dterges ere added to the eegnerr of you Accord. tc. iditirltsn Fitrreays. For earn billing peAod that you nrrarM is m e fxtenca charge, a mkimun root RNANCE f~E of 90.50 wiN be knpoaaf. If the teal Rnertrs [harps resMirq ftrm the ppW~~tion of yar periodc metal is leas then 80.50. weawiN at6tntY tMt arrant from the 80.50 mirinxm and tM dffrarertce wiY M Gilled to the purdtase smart of your errand. d. Tattpatry fis8taarat in F Chaps. We resenee the ~~ pe~ arN or aM 1iM[tce trierges fix MV giver[ 2. Avr:aps Dealt Bslrtoa 1 Mattr wch.eas4 e. Rrwrtee charge is eMCUlated by mthiplyfng the daily 6alartce of each segntertt of your acod[m (e.g., cash edvarre, punfteae, apedd tratafer, ertd [pedal purchase) by the careeport3rg dei1Y paAo3c retetal [het hdaasy~ean previately 6arJoeed m Yro-the dally Pete ford[ the dNYtg perrnd, apply daN Ydar~e of each srgmant of your aooars to the ~ ~~~~yy segntertl. Tarn at the ad of the bxarg period, we ofd tp the reatln of tlrase deNY ~dtxls to arrive at yar peAedc fktertce Cltsr9a for sari[ segnerx. We add tp the resits from sari[ segrnant to antes at the total peAodic futarra ettsrga fa your eantrd. To get the daily balance for eatri legman of your accent[, rte nke tM be~rrtktg belartce for sari[ sagnad end add anyy rew trartsectiorra and any pedaic flrterrce rrierge caltxaeted m the preNats day's balance for that aegttad. We then arbtract sty peyrrtena a cradta posted as of that day that are allocated to that segrterx. This gives is the separete daNy belstce for sari[ aegmstt of your aoraur. Fkzwever, If you paiA the flew Balance altovwt an Vac D stmerrttrs in fiat for if your rew balartrxr was zero a e credt award), new, trertseetien vvMtielt post to you ptxetteae or spatial panders segmems ere rot added to the de)1V 6alartces. We calaaete Ata average deNY balance bV ad3ng eN iM daily 6alstces together and dvidng the elm by the clamber of the days in rite arrers hying cycle. To rslnlete yarn tool finance titerge, mtlddV Veu ~~ ~Y Ualstce W rite deNype Aodic rete artd bV the ember of days in the ltrTirg peAarl. Due to centring on a daily basis, [hare maY he a aNght vederrs between tlxs celolatbn and tM smarm of firtartce drerge stxuelly aaee®ad. h. H tM code Z a N appeen an tM hatt of tftia statemdrt rent to 'Bdence Rate Appied To; vie raltiply ttte 76130M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envebpe, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5~ business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper ceps, etc. when preparing your payment. CapitaiQt~° Cardholder, A Premium wik amp` Has Been Reserved For You! • Refillable ink cartridge •Self-inking-No more • Use anytime, anywhere messy ink pads! • Limited lifetime warranty • Thousands of clear impressions without re-inking ^ Please send me a Kwik Stampm using my name and address as it appears on my statement and ship to that address. Please charge' my Capital One® account. Account number: 4388-641&2716-8845 FoR C~yOra~ CUSttNnt;r~S CAR OH OID ERS Signature ~--------- - - - (VaNd only with lull eipnaNre) 298909 Omer additional Kwik Stamps on back Detatli et perforation and return In your remittarrce envelope. ~,"``" "`vim.,. 826400-01 ~ 4NLY~ 9 gigs $2.95 shipping and handling ~ ..,._ _. DE80RAH L GRAHAM 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 CapitalQy~e Account Previous Balance 1202.63 Payments, Credits and Adjustments 150.00 Trarlractions 57.41 Finance Charges f.00 New Balance 1160.04 Minimum Amount Due 515.00 Payment Due Date June 27, 2001 Total Credit Line 1200 Total Available Credit 539.% Credit Line far Cash 5200 Available Credit for Cash 139.96 At yo>r~re~via To nIl Gtistorner Relations or to report a lost or stolen card: 1-800-40:1-3637 Send PRyroents to: Send inquiries to: Attn: Remittance Processing Cspiral One Services Capdal One Services P.O. Box 85149 PA. Box 95015 Richmond, VA 23276 Richmond, VA 23285-5015 VISA GOLD ACCOUN'T' 4388-6418-2718845 APR 28 -MAY 27, 2001 Page 1 of 1 Payments, Credit.R and Adjustments 1 23 MAY CAPITAL PAY PAYMENT 350.t]0- Ttanractions DATE 2 27 MAY MONTHLY MEMBERSHIP FEE 3 27 MAY PAYMENT PROTECTION 1-588-527-6904 16.00 1.41 Finance Charges Pkarera rrvn7eridtfa- important isfornratwn i3almree rate Penodc CafesOoalprg ~~ yeflirdto rote R PURCHASES 1194.49 .0000096 •0096 5.00 CASH f.00 .05014%P 78.3096 5.00 ANNUAL PERCENTAGE RATE applied this period 0.0096 37700M • PLEASE RETURN PORTION BELOW WITH PAYMENT. Cap~a~~Yl2e 0000000 0 4388641827168845 00 0160040050000015004 New Balance 5160.04 Minimum Amount Due 515.00 Payment Due Date June 27, 2001 Total enclosed i Capital One Bank P.O. Box 85147 Richmond, VA 23276 Irrltlttnrnltlittrlru,eutttu,trntttntt,ut„ntr,u„tl P&mv prinf addrsr dsarger brloa raring blear ar blm,E Street Apt Y CGry Stan ZIP Home Phone Altemaoe Phone ~~ DEBORAH L GRAHAM o ~ 902 ALLENVIEW DR ° ~ MECHANICSBURG PA 17055-8604 ° ~ lut~llttt~~~eut~tlttltlrlttlnllnl~tutltt~~~utttlelu~tll r Pleare write yore auorent narntber anyouw tJxsk or Heaney order made payable to (a' pital One Ban.F and mail in the encLared errt~elope. To order additional Premium Kwik Stamps, just print the information exactly as you would like k to appear on your stamp. Line 1 une2 Line 3 Line 4 Lines Maximum of 32 Cotters and Spaces Per Lists Line 1 LIne2 ones Line 4 Llne 5 if your shipping address is different from the address on your statement, please complete the form below. Al! orders will be shipped to the same address. PrrH ~Y Dayfkra Pltora 'SUblset to eradN approval. MN raNdads mIM add arias sec Pkrass allow 3.5 weeks for ddWary. The rrtereliartdlss M tMS offer end the offer keeH are preeasad M Jape-Olson Co., 7500 Eacolela &vd., SL Lrxaa Park, MN 6542N519. Jap-Olson Co„ an Irtdspandartt rAmPenY specidlzMg m maY-order colas, 1. [coley r«ponslbb for tee produc4 ortaad and is not afiNatsd wNh Capital Ons FrandW Corp. Offer taplres in 90 days. Capital One is a faderaly replstered aervke mark of Capital one Finances Corporation. AI rlgMS reserved. 0 2001 Cepltd OM 8 0 o N ~ ppeenode rate. To obtain the average da9y Mlarxa tar tfa fillkq Period covered by Chia statement, tae take the begimng balance of each aepnatt earn day, add any new trermctitxa ie each aagnent, and arirtraet any payments or credta. flt the mde N appears m the from o7 this rtatemem fad to 'Balance Rate AppNtd To,' wa also stbtran any tatpaid Nrtance charge irxitded in tlx: balance of eadi aegnan.) TFia giros u tfa tbNy belarwe of each aegnan. Then we add tp all the dept' balances far each aepnem for tlx: billing period and dvide by the tad rxlnher o1 days kt the bilNnp pedtd. This gives ue tFw average deity balance of earn aegmem. 3. AmW ParortFapa Rsi3as iAPRI. a. The term 'Amid Percasega Rate' may appear as APR' m tM from of this satemerrt. b. If the rode P (Prknel, L (3~rw. LIBOFil, C (Certificate of Deposit), a S IBaNraM Prime) appmn m the hart[ of ttis nnemem next ro the periodic ore(s), the padodc rates and correapadng ANNUAL PERCENTAGE RATES may vary partedy and may Increafe or decrease based m tfa stated Ntdtxs, as toed in The Wag Street ./asnel, plan the margin preria~ly dadoaed ro Tfase dungea wiN be of ve an the Aral day of your tilling period catered by year pedodc armemem ertdrtg kr the martM Jarxary, April, Jtiy and October. c. If the code D /Prkrrel, F (1•rw. LIBOR) or G (Sync. LIBOR Repriced MaHNy) appears m the frorrt of year sutemem ren m the pedodc carafe), rtes pedodc mtea and twrrmgtartdrtg ANNUAL PERCENTAGE RATES may vary mornftly and may irwmase er decrease based an the nateA irdtxs, as fond in TAe WeU Street ..btsrW, plus the margin previcuely dadtmd to you. These dartgee WII be effective rst Hre Nut day of your tiNing peHad eaH mamh. 4. Assasarrrt tM Lab, Otrafirrrt aM Rsaaresd Peyernt Fees. You errattn taY he assessed ro mere then two of the fees Nrted here [tat oeas daktp arty txTNrtg period. Llrtder Ha tarma of yow aatarter agreement, wa reserve tfs right ro wdve a ru ro asae: any fees wMwta prior rotiMaticn to you witFnrs wdvkrp our right ro eaeeae the same a similar fees at a later time. 5.tFtarwiq Yes Aemst. If a marnheahip fee appears to the trots of this statemerx, you have 30 days iron the date ttis sfeterrtertt teas mated to you to avdd paying the fee is to have atx:h tae credtrd to you if you rental your atxwtrtt. Dudrtp this period, you may txxttkxte ro tea your armsx witltas MNnp ro pay the memberdtb fee. To tarred yes arrant, you rots[ rtodfy tffi by raNktg ow Ctstomer RAatiore Departrrtam aM pay New Balance' in ftN lexdudrtg the arenrhers~ psfee) P~ to the end of the thirtytlaY padod. 8. N Yw Cbas Yes Aoaaut. You ran rents to time yyaarr atxwutt by raNkg err t]adttmer RebHOra Depemttera. Yeu rust destroy your credt card(s) and accent amass Necks, rarxoel aN praxdwdzed bNNnp, and cease ~~Q~~yaa atxwux. If yes tb rot carted Prearsfwdzed bNerg anangemerxa, we wW rarakler of eA ~ynr auMdzatim to reopen yar y year atrasn wNl rot be closed utW Ya! PaY ap amaaxs you owe ua ktrJurNrg: arty traraetXrats you Mrs arstrorized, flrartce dargea, pest ds Tees, oredkdt tees, raturtwd paymatt fees, ash atNartce fees and any afar teas assessed ro ytxrr atrasx. You are msportetbfe for dose amourxa whetFrer Hxry appear en your arrant n Hte time you regsrt to does the eccetrn w they are irtarrred atbsagitam to yew request to deee tta amen. This may rash in dargas appearkq to yes erraax abet you Mrs your aoraar[ if N Itss already been closed For ewwrple, if you atsfndzad a purdtsae from a rrterdtem and wa reraive the trerractlm from the mantra[ after your secant Ma been tieeed, yds atxbtrtt tnAll be reopened, the amour[ of t[ta dtslge wW he addarl to yar aanux, and Vou~ I ~ rea~Paul6le for peyntant. If there is a mthe P your acmax, the fee wiN conrirete to be Harped, to the ardent pemritted by few, usN the accoux belartce free been paid In fuN ea deleted shove. 7. Ua'ry Yor Aasast.Vw card or accaim terror M used In mmecdon vuklt any irxerrtat gambling trareetierts. 8. Nstiaa Ahnt Elaatorrie Onalr Oarrvadm. When you proNde a [track as peymerx, you auHwdze to eider ro rse Imamat{on from your [tack ro make a arts-tkne dtrctrmic ftrd transfer from you bank strata or to process the paymax es a Heck traaetYion. When we Ise Mfatmetion from ytxr [track ro make an electronic Asd [roofer, Turfs may be withdrawn from Vas bank amaax ea sore as Hte ssrre day we receive your peymem, and yet will rot receive yes [Sack beck from yes firwtdal iradttslort. RIWNG RIGHTS SUMMARY Iln Case Of Errors Or Oueatitns Ahcut Vour Bile If ycu stink your hill is wrong, or It ycu treed more infmmaHan m a trerteaeHefl or hNl, write to us an a aeperme sttt'ct as aeon as peeNhle et the eddreas for ingidea shown en the front of ttia autanem. We mrsr hear iron you no later than BO deya abet we earn you the first tiq to wtiH the error or problem appeared. Var ran call cur Customer Reletiero nether, tss ddng so WN not Preserve yaw d9tns M Vas letter, give w the fdlowing intonnafien: your name and attestor rxsnber, the ddkr amasm of the atapetned error, a deacHpdtn of the error and an e~laratitn, ff poedNe, of wry you belkve Ham is an ertor; or It you creed more infortnatwn, a deaedpHm of the Nam you are arrears atxout. You do rot Mte to PaV any amass in graalion while eve are investigating rt, but VW are atNl abNgetad to pay the pans of year h'N [fat are not in queaticn. While we inteadgete year gtssHan, we tersest report you ere tlelirtpam or take any edien to respect Hte amasrt you t8iestien. S,t Sptrdal Floe far Credt Card Purtiases It you hate a problem with the quality of progeny or aertfces that you purcfaaed tnfHr a credt urd and you Mee tried )n good faith to mrtect the problem with tFa merdarx, yet may Mve the right rot to pay the remaining amarn due m the rty err services. Vcu Mve ttis praection rely when Ha purdase price wsa mom [Mrs 960.00 and the purcFase was made in year twine one or wittin 100 mike of year mating address. fit tae cwt or eperete the meroham, er it eve mailed ycu the adverifernem br the property or services, aM purdasea are covered regardesa of amours or bceHm of purdase.) Reese remember to slgt all cerresportderwe. t Gees rot apply to cenwsner non-credit card ecmurls 3 toes oat appty ze tw.aew_ss nonrredd card accotsds Capital One styporta information privacy protection: see cur webaite at www.captalate.twm. Capital One is a tederallY mgatBred aertfce mark of Capital Ono Fstatcial Corporation. All righu reserved. 0 2003 Capital Ora O7 LGLBAK t. Flow To Avid A Fitaroa Clarps. t a. Gran Period. Veu will here a mirimum grace peded of 26 days tM[ftors &tartce rlarge to now purtiases, new Mlrttce trerofrxs, now aperiel ptsdases erd crave tsFter Herpes if you pay your turd 'New Balance', in accordance with the knporterK Naive for payments below, and in tkne Tor N to be txadited by yax rtds aatemtsx titsirtg dale. There is ro grace perlett to rash edvartres and spedd trerafers. h addtien, [Fare is ro grace period an any traraaction if you do rot pay Hie [ad 'New balatoe.' h. Aoariq Fir:raa Chat's. Treraacdtxts wtiH am cwt affect ro a grace period am eaeeaead lkterxa rlarge 11 from the date of the trarectiat er 2) from Ha date Hte traraection is processed to yow Axant or 3) from the Aat ealerdar day of the arrrerx biNin~ period, Addrtiadly, if you rid not Pee the'Naw Bdawe fiom rtes previata bi'mg period in frN, lktaxB barges twrskxte ro amns ro Your tatpdd balawa tntN the uryteid belsrtee is paid in frll. This means that you me stR owe fxarra Herpes, even if you pay Hte entire New Balance irtdrated on the from of your abtemen bV the ren aatarras tioelrtp data. txs rid cwt do so for the prterlas moMt lApaid Arartce Nargas em added to Hw epp1~ sagnerY of yes Amass. 't c. Mitiraan F'kraba ~ragaw~aFOr earn billing period tfut your aoraux is aubiect ro a Artertr.~ large, a mktknm coral RNANCE CHARGE of 90.50 wNl 6e imposed. If the teal flrtarwe barge ra.4ltirg item tM ep~ of yes pedode rate(al is kss tlan 80.50, we wIY abt~rect [fat errraas from the 80.50 mimsm acrd the dfferertoe wiN be hiNed to tls pwdaeeeegnatt of yas atxatatt. td. Tarpaay Rarktefim n Rnatea Chaps. We maerve 1M dgls to not assess arty or aN finance charges for any givran ~0 period. 2. Avaapa OaNy BaWroa fktekabtp ritwx Ptrdrsal. e. firarxx Harge is ralaiated y mJtiplying the daily Irelaxa of eaH seprtax of your atxwtn le.g., cash advartoe, purdaae, apadd trerefer, and spatial purHeae) by Hte ~H PeHdc rate(s) tlat Ma been pravfotsly dsrJoaed ro you. At tla erd of earJt day Aninp tla tiNirtg period. we apply t1a daNy periods rata for mH segment of your aawurt ro the deNIIWv balawe of eadt aeprrat. Than at tlw acrd of rite rtp period, we add rq tfa realre of these deNy rakxretiora to artive at yes pedodc firarxx triarge far each eegmen. We add t0 the flMnra charge fw year arlaax. To agar Ha deity balance tw eaH se9rrrerx of yaw amwx, vue take the begintirg balance for each sagnets and add anyy raw tmraaetions and any pedotfic Nrtara tlarge ralalated to the preNOUs day's belartrx ter that sagnerx. We Han ar6trarct any peymerss a credts ported as of that day Hat are dkrated to riot segnerx. This gives u tla separate ddy balance Tor eadr aegtartt of yes armor. However, if you geld the New Belatce slwwn on your preNas atetarxtrtt in fill (or if your rew belartoe wee zem a a cradt amant), raw treraartiera wttidt post to your purcfaee or spatial )wrtitase aegnerxa are rot added to the daNy bdarxxans. We ralalete tta average deNy Mlatr>• by atldrtp aN the daily belartrae together and dvidng the set by the nether of the days kt the nesters tx7ktg cycle. To ralctrete yow raid Rrartce charge, mtiHply yes average daily bdarra by the daNy pedole rate and by the asrrber of days in tfa biNiq period Due ro rastdrrg m a daNy basis, [fare may be e sligiH vadartce between this rakyletien and the amass of flrarroe Berge etxueNy assessed. b. It the code Z or N appeaa m Hte }ran of His ataiemrnt rwtd m 'ESalartce flats Applied To,' we multiply the J / /lA1M Important Notice: Your payment will be credited to your account as of the date we receive it, p-ovided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Reese allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Reese do not use staples, paper clips, etc. when preparing your payment. For /~-~-/~~ cared rho"~Iders 2001 Cardholder Rewards Redemption Voucher IssuEO DEBORAH L GRAHAM TO: Indicate 902 ALLENVIEW DR any change MECHANICSBURG PA 17055-8604 of address to right. Accout+T: 4388 6418 2716 8845 529700.01 YOUR 2-MONTH PRICE: FREE EXPIRATION DATE: 07!31/01 MAXIMUM REWARDS AVA1lABLE: 3 Magazines MAXIMUM REWARD VALUE: $24.00 Use this redemption voucher to redeem your Cardholder Rewards. See details on reverse. Not redeemable for cash or credit. Ca~~~O~" VISA COLD ACCOUNT 4388-6118-2716-8845 Account S Prevsaus Aalance 1160.04 Payments Credits and Adjaetments 35b.00 Transactions 185.32 Finance Charges 53.36 New Balancr. 3198.72 Minimum Amount Due 315.00 Payment Due Date July 27, 2001 Total Credit Line 3200 Total Available Credit f1.28 Credit Line for Cash 3200 Available Credit for Cash 31.28 !lt yaur.urviu To rnll Ctisstomer Relations or to report a lost or stolen card 1-900-903-3637 Send paymems to: Send inquiries to: Attn: Remittance Processing Capital One Services Capital One Services P.O. Box 85147 P.O. Box fl5015 Ris'lsasond, VA 23Y16 Richmond, VA 23285-5015 4118M MAY 28 -JUN 27, 2001 Page 1 of 1 Payments, Credits and Adjustments 1 27 JUN PAYMENT RECEIVED -THANK YOU 350.00- Transactions DATE 2 27 MAY THE COUNTRY tQUILTERIE EFFORT PA 330.00 3 10 JUN SHEETZ #201 MECHANICBURG PA 22.60 4 12 JUN OVERLIMIT FEE ~-~ 5 27 JUN MONTHLY MEMBERSHIP FEE 6•~ 6 27 JUN PAYMENT PROTECTION 1-888-527-6904 1.72 Futatrce Charges Plearera retxrreridafor imfortant isfonssation Bdanarrmte Pe~adr `~~,,^,,-~'g ~e O~IK~ta fat! ~1~'l~ PURCHASES 5216.15 .0501496P 18.3096 13.36 CASH 5.00 .05014%P 18.3096 5.00 ANNUAL PERCENTAGE RATE applied this period 18.30'96 • PLEASE RETURN PORTION BELOW WITH PAYMENT. C~OiZe` 0000000 0 4388641827168845 27 0198720050000015007 New Aalancr 3198.72 Mittunum Amount Due 315.00 Payment Due Date July 27, 2001 Total enclosed 3 C.'ty Stave Home Phone Altos Capital One Bank DEBORAH L GRAHAM ~ ~ 902 ALLENVIEW DR P.O. Box 85147 r' ~~ MECHRNICSBURG PA 17055-8604 Richmond, VA 23276 ~ ~~ ~u~r~u~{nt~t~~m~t~~u~{ns~~ns~~us~{nt~~nt~~ut~~u~~ ° ~ ~m~~~ut~~~un~t~n~t~t~u~u~~u~~uu~n~~~nnt~t~n~t~~ Plenre write yarn arraant namber on yarn tlxc~ or money order made payable to Capital Gne $ank and mail in t1x enclosed en~rulape. Plra<r pant address rhms6rs brlora acing blur ar btmE erg Stmt Apc M z>P r OFFER ENDS: 07/31/01 Redeem two full months of FREE Magazines. Your satisfaction is guaranteed and you can call to cancel within eighty days from when you made your selections before your account is charged the annual price shown. Each year, you'll receive a reminder about your selections, which will continue at a preferred {ow rate until you tell us to stop. Chsck your magazine cho{Ires at right and return with your Capital One• credit card payment. Up to $24.00 Cardholder Rewards -FREE! Choose up to three Magazines -FREE for 2 Months! See details. Z ~ / MaparoAMmpr)rlaremrdn Rioe W Wr CadN ^SMIrNollrerdGlta4snzRtaFRff $3 111 ^ Gllfllweeweek 1st lsao FIIEF $7 310 ^ CM81M Ddwr 112 /Et6 FREE $3 240 ^ EUe It2 /gt8 FREE $3 225 ^ EHe GeCarrsls2s FREE $4 415 ^ Food a YYkk n 21s2s FREE S5 710 ^ Farhaw rz6 ciao FREE $5 GOD ^ gear n o 1yt 2 FRff $2 897 ^ GoH Glgeal n 21St s FREE $3 480 ^ home no lsts TREE $3 625 ^Holroatybnol5ts FREE $3 745 >~ / MtpszirsAaln OS y;JMaiW Rra xRioe Y~alur Caries ^ [loafs a Garden 1tz 1$ts FREE S3 488 ^Mdiriduallnveetor1t21Sts FREE $3 540 ^Ifgilpr'aq.malRmllcenz~tSFREE $3 340 ^ IAukn 1t2 /$t2 FREE $2 434 ^ hlen'f Fitness n2/1t5 FREE $3 750 ^ Ela6opoNtan Horse 16/ata FREE $3 335 ^ Matey ns lszo FREE $4 H1D ^ YaYMI rraab aage:Y. n z 1st 2 FREE $2 14D ^ Netlawl Geographic n z 13zs FREE $5 600 ^ Newsweek 153/t2s FREE $5 700 ^ Reader's Glgest n 2 rat a FREE $3 330 tea ~ ~ / Mw=wN~rrrra r rb v i~: ceear ^ROadaTrald[1t215ts FREE $3 805 ~ ^ RaMinp Stage 1261sto e FREE $2 450 x ^ Rowe nz 1jt2 FREE S2 999 zVs ^ Soap llpen Dlgeft 152 /585 FREE $6 840 ^ Sports INgatated 1s21sas FlN?E $7 G1D ^ ikne 154 n5o FREE $9 FOD ^ N 6elde 152 rga7 FREE $8 444 ~ ^US.NtaeeiWdtlRepaRh2yftoFREE $5 110 s ^ US IYeekly /521652 FREE 59 930 ^ NRro Spechmr n a rsa5 FREE $8 D6A ^ Yahool (Herne[ life n2 rstfi FREE $3 156 TERMS: Select up [o three of your tavod[e magazines and enjoy the first two months free. You must rail to cancel witlrin eighty days from when you made your sdecems a your Capital One credit card account will be charged the annual price shown. Publishers ask that ya alWw four to siz weeks fa weeklies and up to faa weeks kaaier fa nontliaes to subscriptions to start. {Birnonthry magannes may take kagerJ Regardless of when yw stars receiving your magazines, you witl ahvays receive two monms of issues free. Each year you'll casaba a notice witli the option to tartest. Do nothing antl ytaw account will be charged the rate on the crones fa the nazi year of issues, There is no obligatlon ro conenue. You may call tell free to cancel arty time and you account will be credited with a refund to all undelivered issues. Reward Value is ane-slzth the Annual Price shave. A valid Capital Orre cred'd card is requked fa>nis offs. ®2001 NewSub Magazine Services LLC, Four High Ridge Park, Stamford, CT 06905, is the vendor fa the magazirie prapmm and w(e process your selectlms with your account information. Ouantltles are liniaetl. OuasDars a to cancel -call us tdt free at 1-800-927-9371. By responding to this offer, this corNOn, wfrich includes yda credit card atxount number to Dining Wrposes, will be forwarded on your behalf to NewSW Magazkne Services LLC in order to process your sdectbns. Capital One is a federally registered service mark d Capital One Finandal Corpaalion. All rights reserved. NewSub Magazine Services LLC is soktly responside fa this o8er and 's not a8g'rafed with Capital One. Capital One does not provide, endorse a guaradee arty product a service shown here, >~ r e~~ l~ tt~ar• e>_ r 8 N N ppeeriods rate. To amain the average dally balance roc the hiekng Period ceeered by lfis stetemaa. ere talon the hegimng balance at eadr aegmem each daY. add any new trermactiarr to each aegnent end airtraet any peymems or credta. (It the rnda N appears on the front of this statemem fted fo 'Balance Rate Apikd To, vue also srhtraa any tapaid finance tirarge krJtxled In the balance of each a~tem.) This gives u the rkaY belarrce of sari[ aepnem. Then we add tQ all the daily balant~a for eadr eeQllam for the haling dad and divide t»y the total raanher of day in the hieing period. This goes ua the average rlsily balance at each aegmem. 3. Amd wrorega Rats IAPRI. a. The term 'Amxi Percentage Rate' may appear as APR' m the frard of this sutdnem. h. If the txxle P a'rkrrel, L (3~tto. LeBOFi-, C (Cerdfirate of thtemenl netttrito the spedudepiaels the peritvlrcf rates and txxreapanfng ANM)AL PERCENTAGE RATES may vary grartedy and may Irxmase or decrease based en the naiad srdoea, as fond in The wa!l 3treer .tarns; pus the margin ppreviatdy disdmed to you. These drams Wf be eflacUee to the first day of yaw blakrg period covered by your pedafc statemem eMirtg In the menhs Janary, April, Jtiy and October. G if the rsde D (Prkney, E (t~rrw. LIBOR) a O (3Kno. LIBOR Repriced MordNy) appeaa rn the flan of ywr atatemem next fo the periods rotate). the pedoarc taros and xrreaporrdrrg ANNUM PERCENTAGE RATES may vary mamhly and maY increase a decrease based on the stated tndoea, as toad h TM wee Street Jamal, Pkta the margin previotmly dstlosed to you. These drartgs WII ire effective on the AM day of your tilling period each month. 4. Asastrrit tM LW, OtRam! attd Rstlansd Paytrmnt Fars. Vrxr acoarrt We he asrteeaed ro mom than two of the fees acted here that omw dirFrg arty Ming period- lJrtdar the terms of your urazarrrar agmernaY, we reserve the right to waive a rot ~ assess any tees wlttrart pfor rvtlfiratim to You vvMwtrt vvaivktg ou ri¢tt ro eases the same a akrtiler fees st a later time. 5.tR~eMwkq Ytru Aernait. If a martianfrip tae appears m the irons of ttis ststemerx, You Fave 30 days tram the data [fie atatentent was roofed m you to avoid peykeg the fee a to Mve such tea credted t0 you if you cancel Yaw atx:arnt. Unkig tNa period, You may cerrdriue ro tare yar aornar vvlrtrett tavkg to pay the memheraNp tea. Te rand yrxw axant, Vou mtM rredly us by caaxg our Ctaaorrter Ralatiara Departrrratt and pay y~tw Neiw Balance' in fiN text*tdrtg the memharahip tea) prior to the end of the wrty-daV pedm. B. N Yw Cba Ytar Asaxea. You cart regzet to dose axalY by rdeng ou Qaxaner FLalatiora e~pertmen. You rocs[ destroy your rxedt card(s) and amarN aoces dories, card aN preraalndzed bRang, std cease you aocars. N you do rot carrel rpetof a rlrerga ynurrtzsiim to~reaper~ yarw eoretra. Ad6tloraay, You exaaH wi rot he dosed twN you pay aN amants you owe ce krdtrdrrg: arW treraectiorm Vou have aufwdzed, Mertes dargs. Pa's duo fees, oeerNnit fees, retuned paymem fees, rsal, adventaf teen and arty edar fees asesaed ro yaw aomtrw. Vnt em respdrtle fir Hasa arnaarre wAredrer they appear on yaw amasrt e< the time you req,test to dose the aabtart a rheY are kaaared subaequertt to you re¢aa[ ro [lase the axara. This may rexN in [barges appaerktg on yatx eocnrw afar you lave ytrw erretait If k has already been dosed. For eeample, if yea autlndzed a pttrdasa fran a mardam and ova receive the trarrecdm fran the martian[ after year accetnt hoe been dosed, Vour arenas[ vNa he reopened, the amaaK of the tarerr~g~~~will be added m yrax amaax, arW yyoouu wW he respormrele (or pepnen. If there is a mentbenhip tae for you atxwtait, the tae outs tarttkxte ro be clanged to the etaent pemitted by law, rata the accetnt balance has been paid in full es deRnad oboes. 7. Ump Yes Aruelas.Yaw card er »anwn eamm be used in mmeriion with a^V inerret gambling trarmactiora. 0. Nslioa Abort Elaotrartio l7rsk tb+vrdon. When you provide a dredc ore peymax, Vorr autlnrize vA eidrer to use (ntametlan frem yetr [heck to make sons-time electronic find trorasfer from yea berMt aabrax or ro prerns the ppeeymen es a dock trsrmsctian. When vve use infamatian Fran yaw daack ro make an eiectrerric fiM trerefer, fiords meY be vvkMrevun from yar bank axon[ as soon ea the same day vve receive yaw payment, and you will Tait raoeive your tireck beck from ytaw fearrdal irmtlnrtiore. BILLING RK)HTS SUMMARY Ile Case Of Errors Or Ouastiora Abad Ycur IVIO li you tHnk yea till is wrong, or if ya, need mare inbrmatian an a trermactim a bill, write ro tors m a separete sheet as soon as poasfhle at the addres far Irpudes shown on the hard of this etnemen. We moat hear tram you ro later than a0 Mya after we sent you the fire[ till an ve4iieh the error or problem appeared. You cart call our Ctmlamer Reletieru nanber, but firing m vole rot preserve Yaw rights. h year letter, give us the 1dlaWrrg intnmtatiem your name and axoun rxmher, the ddMr amdrd of the suspected error, a deaedptlon of the error std an ergtlaradm, it prtadtle, of Wty you hdieve there is an error, a If yw need more iMarmatton, a deser{ptian of the hem you ere [amore shout. Var Ao rot base to pay any amatrn in Pwsti°n vi4rile we are irnmtigating h, Ma you are still oblioated to pay the parts a1 your hill that are not in gtanian. a vve inveatigete your question, we cerawt report you as delirgtem or take any action to ealleet tM amwn yttu queadm. t,i' Special File For Credn Card Purdreaes li you have a problem Wth the gtalNy of prapeny or seMtres [fat you purd+eaed vvhh a ctedi card and yvxr have tried in good faith to correct the problem aitlr the mewiam, you may have the right cwt to pay the remaining amoum due an the property a xMcea. Vou Mve tNa prolectian aNy wfren the purchase wee mere then 950.00 and the purdasa vvas ma in your bane state or Wdin 10D roses of yax meieng address. (N vve awn a operate the mertiam, or rf eye rooked you the adveraserttem for the property or aervkas, ore purdreaes are covered regerdesa a1 amours ar krwtion et ptwclase.) Please remember to sign all cerrespondenoe. t Ones rot apply td cansruner non-rsedyr card accounts S t)OB.4 nnl Bppf y f0 tv,ti,uce !wn-rlad%y caN aCCOUn1S One atpporta intamatian privacy protecdarr, sea our at www.ccaapprttalana.can. One is a tederdly stared aeMce mark of Capful dal Corporation. All dptta reserved. ° OIarLGI.BAK ta. Grade Par6d. Vau oval have a mHmun grace period ni 26 days Wthaw Manse [barge en new purdases, new belertr~ trermfers, now apedM gadteaea and new other deargea if Vnu PaV Vaur total 'NeW Belaroe', m ert:orderre Wth the krrPatan[ Notira for payrrrterwa bebw, and in time for h to 6a credted by yaw Tana statement tiodrg date. Theta is ro grates peeled m cash ~veraYa and special trerafers. In arkftien, tfare is ro $rsce period on any tmrvaarYian if you do rot pay dw total Now beMnce.' b- Aaatiq Fsrana cgs. Tmrmactians which are not suhjet.K to a grace Period ere aaaesaed 1Yti~ clarga t) from the date of the treraecdm er 21 from the date the tnraection is processed to you Accost[ a 3) frrxn the fiat rdereder daY of the awrertt Hai>p patfod Addrtiorlally, if you did not Pay the 'New Balance from the previars tiKrtg pedal in rue, linens tieargas cetYtnte_to eoente m your taperd helera~ rntil the urpeid balance re paid in frll. This means dot you maV still owe firearrce dtargas, even if you pay the taxire New Balance irrdrated on the iron of your statement by the next statement dosing date, taw rid nor do so for the prevfttta month. llrpeid firara~ cMrgea ate added to the eppa~l~ gegnen[ of your A[xntnt. 't c. aininam Fitrwa Chrga. tot each billing period [fort your atxntnt is s.>bjeet to a firenta large, a mkwam total RNANCE C41AR(iE of 90.50 oils be imposed If the total lkrereea [ritergo reahirg from the pplir of year periods carets) is lees tMn 90 50, weawia erect that sntatnt from the x0.50 mkirrsm and the dtferartce WH ba bided to the purdase ept~rtt of your acodrvt. 't d. Tantparary RabtAfor 'ns Fktttw dtarys. We rt>eetve the fight ro ~aeaeaa enV a as Harare dtargas for any givri+ 2. A biWrapaWrtg Daly Bslntss f Nsw tiw°frassl. a. France large is calaiated y mtHipNrig rfa daily balance of each pegnen[ of your atxnrrx (e.g., cash edvara~, purtiese, spaded [rerBfer, and apadal purchase) by the rare~ratdrq risky perkxfic rete(a) [tat hen been prevlatmly dsdoead to you. At the acrd of eedr day Aakq rho hi/inp period, ova apply the daily periods rete for esr~i aegreen of your amotnt ro the dead balance of sari[ segment. Then et the acrd of the hr'krrrg period, vve attl tQ rite [emits of [face deny celaiatittra to arrive at ~~fromesde sag lent to~ardve total perf~odcw finance darga ftw your atrnrax. To get [fie M6y helertt~ for sods segment of ytax acoaaY, we take the beAfrratmg balarwe for astir aegrtert and add aernWy now treraardam and arty petiole tirarrce dterge rdcrieted en the preNats deyls belenoe ter that segrterx. We then sfitrea any peymens a rxedb posted as of that day that ere allocated to that sagnetx- This gvas us the separate [lady balance for each aeprarrt of yea rrrcant. However, if you the New Balarne diovsr tat your previous staterran in inn If your raaw belatce was zero or a aced[ arrant), rew traraerYiera wtrirh past to you ptxdase a spedel purdaae aegnero are rra added ro the rlaly balarnes. ova cekxiete the avetsge r1eAyy__kalenoe by atidrq ea the daily belenoas together tad dNdng the sum by the norther of ttw days h the dwrertt hiirrg cVda. Te rdtaiete yar teal lrarrce large, mtllipy You average daey balance by the (>aay pededre rata and W tta rarllber o1 days Tn tla taksrg period. Due to touring to s daily bade, there may rte a aaglrt vadaras between this celalatkrn acrd the atrtarrt of finarwe titsrye ecntely aaaeaaed. h. It the code Z or N appears m the [trot of this atatemem rata ro 'Mlerca Rate AppYed To; vve rrxitiply the _ _ 4118M Important Notice: Your payment will be credited to your account as of the date we receive rt, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five t5) business days far postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. A SPECIAL OFFER FOR THE CAPITAL ONE' CARDHOLDER NAMED BELOW DEBORAH L GRAHAM ~1~~°o is entitled to this ~~~~0~~ VALUE ~ALiI 531800-01 FREE GIFT E A 30-DAY SUPPLY OF GINKGO BILOBA from GVG -Genera! Vitamin Corporation Forgetful? Ginkgo Biloba could help your mental clarity. Now, try it free! This herbal supplement has been shown to • help absentmindedness F o R • promote blood flow and oxygen to the brain • support mental clarity.' ~,~~0~ Call toll free 1-500-323-8482 now! CARDHOLDERS •This statement has nor been evaluated by the Food and Drug Administration. This product Is not intended [o diagnose, treat, cure or prevent any dlseasa ENTITLEMENT NO. ~iQE2 Ca~~,O~s VISA GOLD ACCOUNT 4388-6418-2716-8845 Account S Previous Balance ;196.72 Payments, Credits and Adjlutments 115.00 Transitions ;7.69 Finance Charges ;2.84 New Balance ;194.25 Minimtun Amount Due ;15.00 Payment Due Date August 27, 2001 Total Credit Line ;200 Total Available Credit ;5.75 Credit Line for Cash 3200 Available Credit for Cash ;5.75 t1t your scrvicc To ea- Customer Relations or to report a lost or stolen card: 1-g00-903-3637 Send paymarts to: Send irtgrriries to: Atm: Remittalroe Processing Cepp'tai One Services Capital One Serviar P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 JUN 28 - JUL 27, 2001 Page 1 of 1 Payments, Credits and Adjustments 1 27 JUL PAYMENT REC;F,IVED -THANK YOU 315.00- T1a11sactions DATE 2 27 JUL MONTHLY MEMBERSHIP FEE 3 27 JUL PAYMENT PROTECTION 1-888-527-6904 ;6.00 1.69 Finattce Charges rim~ortant infansation fo Ple4re.rarernrrere de ~ ~ ~ ~ > C.orrr g ~" ~ ~ dm APR , PURCHASES :149.79 .0474096P 17.3096 5284 CASH tti00 .0474096P ]7.3096 f.00 ANNUAL PERCENTAGE RATE applied this period 17.3096 32499M • PLEASE RET[1RN PORTION BELOW WITH PAYMENT. ~~Di'1$e 0000000 0 4388641827168845 27 0194250015000015003 New Balance ;194.25 Minimum Amount Due ;15.00 Payment Due Date August 27, 2001 Total enclosed ; Capital One Sank P.O. Box 85147 Richmond, VA 23276 in~lini~lnls~insisl~n~~usl~nll~ntiius~~lullusi~ul~ Pharr pint ad ixss d,~6es bdon, ra~rrg blur ar bla.F inb S~xt ary s~ Flomc Phone Altermre Phone ~~ ~~ DEBORAH L GRAHAM m ~ 902 ALLENVIEW DR o` MECHANICSBURG PA 17055-8604 N ° ~ lusl~lnl"Iunlllnlllliu'ulln lluu'll'I'nnlls'uisll Apc - z1P r Pleats uniteyaur mount number on your check or money order made payable to C~itnl One Bank and mail in t& entlnrrd en~nelope. CERTIFlCATFS ISSUED BY GENF_RAL VITAMIN CORPORATION TO SELECT CREDIT CARDS AND OTHER ORGANIZATIONS WITH VALUES OF $S•OO, $5.30 AND $ IO.OO THIS CERTIFICATE ENTITLES YOU TO A FREE 30-DAY SUPPLY OF GINKGO BILOBA a 10.00 value Plus, you automatically will be enrolled as a trial member in General Vitamin Corporation's vitamin program when you accept this FREE offer. YES. please enroll me as a 3o-day trial member in General vitamin Corporation's vitamin program and send me, at no charQP or oblip~tlon my free 3C-day supply of GINKGO BILOBA. I understand that, unless I write or call to cancel during the 30-day trial period, I will receive a 90-day supply of the same GINKGO BILOBA supplement every three months for only 529.95 plus $3.95 for delivery. This amount will be billed to the purchase segment of my Capita{ One credit card account. I understand that accepting my gift sample does not obligate me to continue and, if I wish to cancel my membership in the program at any time, I can notify General Vitamin Corporation by calling toll free t-800-323-8462. In any case, 1 may keep the 30-day supply as a gift. Redeemable exclusively by: DEBORAH L GRAHAM, 902 ALLENVIEW DR, MECHANICSBURG PA 17055-8604 Account Number: 4388 6418 2716 8845 CARDHOIAER GGNATURE (VALID DNI.Y WITH FULL SIGNATURFJ Your full signature authorizcs Capital One to forward your account number, name and address to General Vitamin Corp. far the sole purpose of billing and process(ng Ih15 older. By responding to this utter, you may he communkaeng Information about yourself to General Vltamin Corp., whkh proWdes this product-fur exampl¢, [ha[ you are a Capttal One customer. GET YOUR FREE $10.00 SAMPLE FAST! CALL TOLL FREE 1-$00-323-H4S2 ~M'ITLEMEM' Ne. OR ENCLOSE THIS CERTIFICATE IN YOUR CAPITAL ONE CREDIT CARD REMITTANCE ENVELOPE. GBE2 ~~ ~~ t• s t~ t~ t_ ~tr• r• g O I N This offer is made and warranted by GVC -General Vitamin Corp., P.O. Box 1500, Chapel Hill, NC, 27615, 1-800.3238482. General Yitamin Corp. is not affiliated with Capital One and is solely responsible frx its products and services. Capital One is a federally registered service mark of (`apital One Financial Corporation. All rights reserved. ®2001 Capital One Financial Corporation. ppeedodo rate. To obtain tM average daly balance for the hifl'vtg petite cevesed by this statement, we take the begimng Mlartce of eadt segmem each daV. add any new transacflana to each aegrnertt, and atbttrem any peymenis or creels, ilf Ate coda N appears m the trarrt of this aattsnertt rein to '881arra Mte Applied To; vve also aMrem any trytaid France charge tnduded In ttta balance of eadt aegn~arl.l Tfis gives re rite logy balance m inch segmem. TFtert we add tp all Ate daily ~artras for eaHt sepnaa far Ara higing period and dvide try the trod camber o1 days it Ate NNing period. THa gives us tM average daily Mlartce of eadt aetltrteM. 3. Amin vr°rtt.0a R.e.a rAPM. e. TM term 'Arend Percarraga Rate' may appmr ea APR' m ttte from of ttia statement. b. If Are trade P IPrirel, L (3-inn. LIBORI, C (Certificate of th~ ~lemem nets m the pedaic~retatal the periadaf rates and cerrelyadng ANNUAL PERCFMAGE RATES may vary tluartedy and may Irttrease or decrease MsM on the sated Indus, as Land in The WaU Sneer Joeraal, glue Ate merpn pprotaetldy diatlolkd to you. These cfa vas be etfectlve m Ate Arst day of your billing period covered by your pedadc ataterrtertt endng in the matths January, April, July and October. c. If the trade D IPrkrel, F (t-mo. LIBOR) or G (3~rut. LIBOR Repriced Momfiy) appeare m tM Tram o1 your statement rxri to the periodc ratelsl, the Pedadc rates and mrresportdrtg ANNUAL PERCENTAGE RATES maV vary madNy and may increase or decrease Magid to tM stated htdt>as, ~ ford in The Wes Street Jerwrtay plus tM margin Previatmly dadesed to you. Ttteae Gtartges will M etfeedve m 1M first day of your billing period each madh. 4. Assuurrrtt d Lath Ovairtit ad Rahrrtad Payntsrltt Frrs- Ytxw aocanc vuM he esaeaeed ro more flan two of tM fees Nsred here trot treat dtritg any Mktg period. lhtder the terms of your rirdernar agredtterrt, the reserve Ate rigtrt to waive a rot m assess arty fees taitltnl Prior rtatiflration to you vviAtat waiving our r~ to seaese 1M saute M dmilar fees M a later time. 5.t'Rarrwkrp Yar Aosart. If a mlvnberehtp tae appeere m the front of this statenrem, you Mve 30 days trap Ate date tfiis aatarterr[ was mailed to you to avoid payig the fee a to Mve stet fee cradled to yoU if you cancel ytaX aocart. Dtakg this Period, You may twntiere to tats yaw axarY Wfd[dlt Milrrg to pay tM rtlanbarsflp tae. To rartcel yar dratrA, you carat rtaUfy tai try raring ar Qetotnar Rdatiotta Oepermtent and Pay y~ -New Belerlce' in ftM (exritldrg the mentberetlp fee) prlOr CO tFe gird Of rte thirty-day Period. B. H You Goal Yar Aeaart. You can re¢ea to tioee yyeaar arx:otra by rxMlrrg ar Qe[aner Raledata Departmerx. You mtBt destroy yar riser card(s) and aocars otter riecke, rartcel M preattdtorized tlNktg, and oease yar aorartt. If ya, do rot rartrel preaiUwdx srtagatraas, we wW tmttidar rerarpt of a darga your etrltodzation to radpen yyaar acoam. AdddaatiY. V~ aoeerrs wW rot be dosed trail Vat PaY efl wrtetras you [rwe to ktdudkrg: arty trertaactrerr you Mve atrfrorized, flrrarloe dargea, Past due fees. overlirtit fees. reamed DaYntem fees, rash advance fees and arty Olflar fees arraerl m yaN aocarw. Val am respara(hle for tlese amarw tnltedter they appear m yar accatra at Ate time you reposer to cline the accetnt a Atey are irtaxred wLae4terrt to yar regtrrt to dose Ure somas. TNa may real[ n charges appmrkq m yaw atxtotrrt after you Mve your eatornt if h Ms drriedy heat rJeaee. Pot example, If you aalteliiad a ptrcMee from a rrlarrJMM and vue reraive tin transaction from the merest after yaw erratnt Ms been tioeed, ytttw eccelrt wW be reopened. the emwt of rte tlargB WIN he added m yrtttr eocetrr, acrd yyoouu will be r89porleihle for payment. If there Is a martheidtip Fes ax yaw atxattn, the tee wIN corakale to M clterged, to the eaten pemtitted W law, uAM the scoots tree Ms been Peed h itN as deflrtad strove. 7. Uaiq Yttrr Attaaad.Ytltx card or scoots cerrtot M tread In cerrtectien whh anV iserrtat gambling traaectiere. B. Holies Abet Elfadtrorria Clrsok Qorttrrrdon. When Vat provide a dteclt m peyrttat, V°u aWndze t! eidrer to use infrxmatim item your riteclt to make s ert~tire electratic fvd trerefef from year hank errant or ro process the peyrtex as a rieek trarteattion. When we use information from your tYreck ro make an dectratic fad trertsisr, ands maV l>e wMdrawn from you bank atxxltatt as aoort as the serrta day we receve ypa Dayamt. ere you will not reodve yatw tleck hack from your M1rartial Nedtutkn. BIWNG RIGHTS SUMMARY (In Case Ot Errors Or Otreniorts Abtxa Your 111111 If you think your hill is vurartg, er If yw reed more intimation to a trertaactfon or tllf, write to re on a separate street as arm >a peaelble at the adMesa for trtgtlldea aMwn m the tram of lfla natemem. We mtart treat fran you ro later ttan 60 dove after we son you the aM tlll an vvtidt rte error or problem appeared. Ydu ran call our CtaRtmer pdaHms numMr, htn doing ro Wfl rot preserve ytsrr dghre. In ytsw lotto, give us the feMovdng inbmaAtn~ yore name and accent ntmtler, rite deflar amain of Aa atrspected error, a descripdm of Ate error and an etaplanatim, it poadtle, of why you ttalieve there is an error; er ii ytou treed mare iMomatm, a deaedpAtn et tM hem ydu are crate ahan. You de rot Mtre to pay any amain in gtreadtn wltae we ere investigatirtp h, but You are still ahlige~ed m pay the parts of your hMl that are trot in gtrealiorr. tMtJe we investr'gato yea queadm, we ranwt report you as tfdirtquatt a take any scrim to caflect tM amartt Vote grreallm. t,'r Speaal Floe For Credt Card Purtiases If yttu Mve a prtttltm with the quality of progeny ar services 1Fat Y°u Purchased with a creel urd gird ya, Mve teed in good tahh to certeet the problem with the memhem, you may Mve the right rot to pay the remdrting amore due m the prape~ry or aenicea. Yttu Mva tNa pretectim aNy wttert Ate Wr~am pdos was more flan 950.00 and the purtdtese was made in your Fame sate or witlin 100 mNes of your mding seiner. of vue own or operate 1M mertltam, er it vve mailed you the advertisentem far the p try or aertlrxs, d purclasea are covered regarder o1 amaum or ktcalian o1 ptrchase.) Please rmenher to eqt all mrnesportderce. t Lbas riot apply is rnrwwnar ndn-r~edr card ecaounfs t l)OeS lY/r epp/y f0 blt4%Oe44 ron-txedi[ Cam aCCOIMla Capital Ore supports intamaAm privacy protection: see our wtbste at www.cadtaldrte.com. Capital One is a federdly rsgiatered service mark of Capital One Frrenaal Corporation. A71 rtpFtlts reserved. ° 2003 Capital One Ol LALBAK Hew To Avoid A t-rtrtea Gnr'Ya• t a. Gran Priori. You will Mve a milmun grace peddd of 25 days wittrat faience rlerge an raw purrlaaae, rtevv balance trerefere, new spatial ptrrlasas and new dher t9ratgas if Van PeV Va+ tad 'New edartce', in at:cordanee with the kaP°rtant Ntrtice for payments below, and in tine for h to M cradled by your told aatdnax doaitg date. There is ro grata period on rash advartras and speed trerrfere. M addtien, there tl ro grace period art any trertaactien if yet do rot pay the total 'New Mlertrn.' b. floating Firattw f]vys. Trartsactittrta wNch are not rbjet.'t ro a grace plxlad are atraeaaed fiance barge t) from the date of the traeacoen or 21 from rite date the trereection is pmoeseed to yotr Arrant or 3) from Ate flret ralerdar day of the arTers t~ Ad3eiortelly. if you tfd not DaV the 'New Bdartce warn Ate Previous t>iNinp period in fulb Iktatra dergas certtk'-e to arrnle to your tatpaid bderrce trtdl the tnpsid Mlertra is paid in sal. This mince riot you me sdN owe fitertra dargm, even if Y°u PaY rho eraire New Bslenee irtdcsted m the trout of your atdanerr by eta nerd aetentent doairtg date, but rid trot do so for ttte Pretlas rrrertdt. llrpdd flrratrce ttMtges are added to tln appYraf aegnem of ydr Acmtrt. t c. MatYtaaa Fintrroa i~+arp~For astir tiBag period that your arratrtt tl atlhjact to a frartce darga, a mitinarn lard RNANCE (SiAROE of 10.50 vxi be imposed. If the total frev:e t~terga restftinp aom the appllcedon of Your peritrdc rere(e1 Is lass t)wi 30.50. wa wiM at>btmet Arat antatrtt }tart the 00.50 miniram gird tM diterertoe will be hinted to the ~gn~t of~yas ttccetsx. 't d. Terrpaay Rod ~ it Fanrtoa Or~Oa Wa reserve the right ro rot a anV or ell flrlartce cftargBa for any Avon bang Period. 2. Awraps Driy 9alrtoa tY+akrttp Now wralrsasl- a. Rrrertce rlarge is ralalnad y trxltiplyirg the daAy Mlerrra of astir sagrrertt of yarr accotrrt (e.g., cedt adverce, ptxdase, apedsl transfer, acid credal purchase) by the conea<tatdng drily perktdc retetal trot Ms bean previptdy darioeed ro you. A[ the ere of met day rYrng tM bi(irtp period. we apply the drily periodc reel for mcr, aegnat of year estate ro the dally belerrce of oath segmerY. Then M tM end of the biNmg Pattie, we add tp tM maths of tfrese daily ralaletitse to arrlva ttt yes Pedodc Rrtarrce charge fir eadr aegmaa. We add up tM resits from met segment to arrive et tM rate periods flrvartce triarge for yar etrntnt. To get Ae daily balance for earn sagnent of your errant, we take the tregirrxrg Mlarra Tor each segrraa and add a~rWty new trateattiae gird any periodic flrtertce rirarge ralctleted m tie preNot>a days balance fa tM[ aeTtarr. We thou abtrect anV payments a txedts posted as of that day that am albrated to trot tregrrlert. This glues is tM separate dally balance rot earn sagnerr of your atxntnt. However, if you d ere New Belarrce sFtota4r m Yom Pale statenrlst In all for if your new Mlarrra was zero a a crodt amoral), raw trerteactiae teWdt Post m Yotw Ptaaraae or ~d purdese tlegrterra em not added ro the daily Mlerrae. We ralaiare the average daily balerrce by adMtg e~ the daily Mlartras together and dvRfng Ute teen by the amber of the days in the arrant birirlg eyrie. To raltalMe your trod firerrce drerge, naltlply Vr~ average early balerrra hY the daffy pedotic rete and hV ftte nrrrher of days in tM tlflktg period. fare to ra+rdng m a daily Msis, there nay be a afl~tt veriatce between tftia rakxletian acrd the arletrrt of flrarrra t3rarge sen,ally aeaeasetl. b. If tiro trade 2 or N appmra m ttte h°m of tt:s statement rear to ' Bdance Rate Applied To,' we rrrtl[iply the _ 32499M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the encbsad remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received an a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five f5) business days for postal delivery. Payments received by us at any other location ar in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 532900-02 ,•~ --, Let Your Home Open The Door " To Extra Cash. ~ ~ Get The Cash You Need And Lower Your Monthly Payments* ~~ ~~ ~~ When You Refinance With Full Spectrum® Lending. ~~ ~~ At Full Spectrum Lending, we specialize in helping homeowners with less-than-perfect credit. That's why we can offer the kind of refinancing that makes a difference. So, whether you have an adjustable- orfixed-rate home loan, we can help you: • Borrow money against your home for any reason! • Refinance your home to consolidate debts and put cash in your pocket! Call us today and take advantage of recent interest rate cuts. For More Information Because at Full Spectrum lending, we believe that your future is With No Obli ation, Call: more important than your past. FULL SPECTRUM' S ssarro•ors.om•r.~~N L s• a ~ a a 1-888-232-4326 91YWW.capitalone.com/freshstart Certrficate Number 13740046330312 Capital ~~• VISA GOLD ACCOUNT JUL 28 -AUG 27, 2001 4388-b418-2716-8845 Page 1 of 1 Account S Previous Balance 1194.25 Payments, Credits and Adjastments 120.00 Transactiana 17.60 Finance Charges 12.87 New Balance 1184.72 Minimum Amount Due 115.00 Payment Due Date September 27, 2001 Total Credit Line 1200 Total Available Credit 115.28 Credit Line for Cash E200 Atreilahle Credit for Cash 115.28 rPt your service To call Customer Relations or to report a lost or stolen card: 1-900-903-3637 Send Inymerlts to: Send inquiries to: Attn: Remittance Processing Cspp'1~ One Services Capital One Swicrs P.O. Box 95147 P.O. Box 85015 Ridlmond, VA 23276 Richmond, VA 23285-5015 Payments, Credits and Adjustments 1 27 AUG PAYMENT RECEIVED -THANK YOU 32a.00- Transactions DATE 2 27 AUG MONTHLY MEMBERSHIP FEE 3 27 AUG PAYMENT PROTECTION 1-888-527-6904 16.00 1.60 l' 111at1CC Chatl,~es Pkarttat recrrre.ridefor important inforrxation Balann ra& Pniad~r CmrvDOnJueg applirdto rafr R PURCHASES l195.1R .t>•74096P 17.3096 1297 CASH >G00 .0474096 P 17.30% f.00 ANNUAL PERCENTAGE RATE applied this period 17.3096 2227M • PLEASE, RETURN PORTION BELOW WITH PAYMENT. CaP~~Ot'!e' 0000000 0 4388641827168845 27 0184720020000015000 New Balanct 1184.72 Minimum Amount Due 115.00 payment Due Date September 27, 2001 Total enclosed 1 A'rar frier addrn cl mtdrs bduu wring blur ar blanF ink saw Gty s~ Home Acne Alaemate Phony -~ Capital One Bank ~ DEBORAH L GRAHAM r ~ 902 ALLENVIEW DR P.O. Box 85147 ro MECHANICSBURG PA 17055-8604 Richmond, VA 23276 N IIIIIIIIIII IIIIIIIIIIIII/IIIIIIIIIIIIIII IIIII IIIIIIIIIIIIIIIII ~ ~ IIIIIIIIIIIIIII IIIIIIIIIII IIIIIIIIIIIIIIIIII IIIII IIIIIIIIIIIII PLrue rrrrite your auaunt nurxber on yore Jxc~F a rnancy mdrr made payable to Capital Ox Bank and mail in the enlaced nrcdope. ~~ zIP r Looking to pay off bills or free up extra cash? look no further than your own home. Take Advantage Of Recent Interest Rate Cuts. call 1-$88'232-4326 Today! FLILL~SPEGTRCIMa 1NVVW.capitalone.com/freshstart aMsrteerrNmeCarnfrywideFamAy L E N D f N c 'Refinencinp a taking out a home equity tree or credit may increase the total number of mouthy payments and the bid amoum paid when comparing to your wrreM siNatron. /\ Equal Housing Lender. ®2001 FuX Spectrum Larding. Inc. Trotla/service marks era the property of Countrywide Credit Irduetries, Inc., ardla its subsidiaries. Arizona Morgage Banker l.icerue Number 1J BK18763; Licensed by the DepaXtrtrent of Corporatbns under the California Residemial Mortgage Lendng AcC Georgia Residengel MoA9aga Liansea, 1950 Spectrum ChGe, 84W, Medetla. GA 30087; IXktds ResldemiaV Mortgage Licensee, 6631YA Sotah Cicero Avenue, Oak Lawn, IL 60453; Registered urdsr IFte Kansas Mortgage Bwlnass Act; Massachuaeda Mortgage Larder Lkxrrse No. ML 7459; New Hampshire Mortgage Bsrrker License No. 5316-MB; LMsnsetl Mortgage Banker - NJ Deperbrbnl of Baring, 275 Rout 22 East ~5E, Spring5eltl. NJ 07061; Licensed Mortgage Baricar - NYS BarXdng Department, tf &23 Queens Boulevard, Forest Hills, New York 11375; Licensed Mortgage Banker - PrxnsylvaMa DepadmaM of Banking; Rhoda IdeM Lenders License. This is net an oRer to enter into an inlereat rata bck-in agreement under Minnesota law (02rU0). CspXd One• is not emlialed wsh Full Spectrum end Countrywide• Hans Loam, and Full Spectrum i9 adeN reapatsbb for eX aervioea provided. By responding to this era, you may be com- muniradng Information about yorxself to Full Spectrum Lmding, Inc., which provides this product -for example, that you are a CaPXeI One aslamer, Capital One ~ not provide, legally endorse a guarantee any product tx service shown hie. None of the products or services shown here are either FDIC aistxed a bank gueranteari. Restrictrms apply. Some products not available in ell states. Thin is not a corrtmitntertt to lend. Capital One is a federally registered service mark of Capital One Financral Corporation. All rights reserved. ®2001 Capital One Financial ('.orpomticn 11~~ tttt~ t• +r S ttttt~ t~~ g 1 O p N N pedodc rate. To obtain the average da9V balance Tor the billing Qeded covered by this statement. we take the t~rtsmactlarre 1o seat ~agr~nrn~taM ar~M~reeMt env peymennew or ctedta. (It the rrda N appears on the trord of tics statemend next to 'Ralarrce Rate Applied To,' wa also shtract arty utpald lriarxxi charge included in the balarre of astir aepmart) Thla gives us the deny belerne of each aegmem. TTren, we add yi aN the daily balaneea for each aegmem br rite hiKing period and divda by flue tatd runbar of days in the taking period. Tfia gives va the avere~e daily balance of esdr aepnera. 3. Arwrl Paroaritspa Rats IAPRY. a. The mrm 'Aural Peroerrcega Rate' may appear es 'App' on the from of thin atatemem. b. If the Dods P (Prkne), L (3-mo. UBOR), C (Certiflrate of tHat)emerSit i~tn m tldtePpedo6~ a s~fh~e pe mot retea erd corresperrding ANNUAL PERCENTAGE RATPS may vary quanerry and maV increase or decmeae based on the sated irrdcea, as tared in The WaJI Saxe! Jotrna/, grta the margin pmMalsly dfatlasad to yea. Ttrese titergas wfM ba effective m the Aral Bey of yax billing pe' covered by your pedodc rtatemern errdng in the months Jarxary, April, JJy and October. c. if the rode D lPrkrrelr F (1Krro. LIBOR) a G (3-nto. LIBOR Repriced Mondiy) appears m the born of your rtatemem next to the pedaAc mtelal, the pede6e rmea and correaperrdng AMAIAL PERCENTAGE RATES may vary mentNy rdd may Menease or dricrease based an the stated Irrdees, ea farad in Tla was Street JoumaJ, qrs the margin predotnly dsdosd m you. These charges wik be effective an the fret daV of your filling period eadt month. 4. Asserts t# Leta, OVrkrttt and RstiarW Psyrrrartt Faaa. your adcant wY be asaeased ro rttore then two of the bees listed here that oaix Brig anV biikrg period. Urrdar the tnrrrs of your aaetonrer agresrras, we reserve the d¢rt to waive tx not m arias arty fees wlHrou Drier naBfiration to yw widrorx wdvkg ou right m trseeas the same a dmkar fees rt a later time. 5.iRarrswiri Yar Assast. If a membership tae appears on the from of this steterrrerrl, you Mva 30 days tram the dare this MatemarX vvas rtteied to you m avid peybng the fee rr m have alch tee cre6ted to yea if you tarred Votx e~ern• ~dng thfa period, you may mrdna m use year accaatt vNUrax having m pay the merrtberdiip fee. To rarrcel yax arrant, you moat rotity uYayybaoyu rxiYng a,r wacmtar fmletwre Depamnent ~mertlb rartip fee) prier erd of tlre~rt tleTMy Darted. 6. M You Close Ysrr Aosout. Yau rat mores[ to does ynr acoant W Idling trot Qatmrer Reledute OeQertnrs. You rant destroy yalr taedt cald(al and arxxsart asses diecks, tarrcel ro pmssfndzed hiMkg. and rgasa ~d!~_y~ur acrnrnt. If you do not rancd pmxsF+edzeo orn0 amangdvterrta, we vAI rnrWar reoaipt of a drarge your atstrodzation to recpnn yyaotrrr eooorart. AdditlorakV, Yeti smaart vdk not be rloaed urs9 Veu pay ai arrrarta Vat owe u iridudrr~ arty tmrracdona Vett have atafrodzed, hrsrm drerg~, pas due Eeea, overWnM fees, rensrad peynners fees, cash advttroe fees and roY other fees aeaesaed m your aooornt. You am msporWMe for tlrese srrrotxss wltedrer they appear m your soootnt n the tkrra you mr~ to does the accatnt or they am traxred at6eer}ant m your re4teaC m rioea ttra eccatrt. TTIa may resit in dames aDDaatMrO ro Vetx arrant after you bees yrYx acrnnt if h has dready hest Based. For ttxampe, if yru auttndzed a ptxdreaa iron a rnetdtstt and wa racdve the trsestim from the trordtsrt after year aacant fns been dosed, year aanas raiM be raoperred, the smasY of the drerge vdM to sddad to your atxotnt, aM yyeouu writ be msporrihle for peyartt. If theta is a mantherahip fee for Your emaaY, the Tee wA t:ondtlll0 m be rirarr~~aadd~~ to the eders Itamltted by law, usi the eccetrn belsrtce has brren pad in all ea dairted above. 7. tfdrrp Yar Aososa.Your card or errnsn umm be used F tarrtet.'tion with sV ksemet gambling trerraactiats. n. Nois ABaR Elsatrmb tlrsk Carvsrslsrr. When you povide a dreclt ore payment, You attdadze ue eld,er to use infonneticn trDrrt yetr Bras'-k to make a ottntfine dectrertic old tmnafrx fran yorx bsdt arraait a to pteceas the ppeeyntem sa a Brack trenesctidrt. When we use n(amadm from yax Brack m retake st dectrertic fund trerofar, fixers may ro vvidrdrevvn fran your bank secant s anon es the same day wa mceive your p~~~~~~at. receive Your Brack back frdn BILLING RIGHTS SUMMARY (In Case 01 Errors Or Orartlona A6eut Vour Bik) Ii you think year NII is wrong, or if you raced mom information on a trerreacfien or dll, write to ce on a seperete street s soon as peaer~le n the address for inquiries shown on the from o1 this atnanem. We moat Freer trap you ro later then 60 deys aHer we sem you the flrn hfi err utldi the error er prr6lem appeared. Vou can call cur Ctatemer Ralatiens ntnber, but ddng so wiM net preserve year dgMS. In your letter, give r the bollevvirtg informafiem your name end acrnrad ember, the dollar amorxn of fire atapecned error, a descdplan of the error and an atoDiarotlm, If poasltle, of vfiyy yea begeve there Is an error, or it yea road more iniemratien a deaedpfion of the item yea am tamtxe data. Vou do rot Mve to PaV anY amoum in t>tastien wNe vve am inveadgelkrp A, but you are call ahageted to pay /Fre parts of yax d~thet are eat in µartim. Wtile we inveatlpete your greetion, wa teen[ repot you ore delirxrant or take any ectien to r,Meet the amoutt you gtxtatim. i,t Spettdal RUe For Credt Card Purchases li yea have a prdlem with the quality of property or seMces that yea purdased with a credt nrd and you have tiled in geed faith to correct the praNem with the merdrarrt, ytw may have the right rot to pay the remeirting amaan due en the prapetty a aerMCes. Veu have ttia prmemien aNy wfrr the puw9+ass pKee was more tFbn 850.00 std the purchase was made in year Fame Hate a rnlthin t00 miles of ytax mdkng address. Ill vat own or operate the merdwtt, a ii we mailed ya, the adverdarmern br the p tty or aerMrr~, as punYtases are covered regsrdess of arrant a knatim of pracMae.) pease rerrte~nher to sign all oomeaperrderrce. t pons Ito! apply >a rnnsrenwf rm-ued7t card accam7s 1 pees rat apply ro Ixrsbress tm-cradi7 card accoen7s One stypotta.informatien PdvacV gaectiar: see our ~. at www.ccaapptaltax.cem. One is a federally m~etgrad aeMce mark of Capital ~al Corporation. All tigftta reserved. a O~LGLBAK 1. FfaW To Avid A Firloa VrYa• tor. fkaoa Petted. Yet will have a mirtimun grace pedal of 25 days widrax flrrerrce dram m ra-wv purdrasea, new balertro transfers, nevv spade pra'drases and rtew adier charges if ynu pay your cord 'New Balartce', in arxxrrrlarrrP wRth Me krtpataM Nodce for psyrrtente belowr erd n time for h m be tredted by yrer rime rtatemerx doelrg date. Them is ro grata period m cash advance rrM apedd trerrafars. h addrion, there is ro gret~ period m roV trerreectirn if you do rot pay the [ofd 'New balance ' b. Aoatiq Fittres tl+><ys. Traroxfiarte wlridt am net at~eex m a grata padod ere.aaaeeatrd tirrne d,arge t) from tfre date of the traneecem or 2) fran the date the trerosetien is processed to yar Accent or 3) from the flrtd ralerder day of the axrsR biNirlp Dedod. AddtiorreliY, if Yet rid rqt pay the 'New Relsree from the prrviota bikkrg padtd in fit, firrerrra charges rxxrtrrsre to scans to your taped balance tardl the upsid bdsrrce a Paid in fr1L Tfrs mearo that yw mey etiN owe flrrerrce dretges, revert rf Y~ pay the rtntim New Belerk~ irxiceted m cite from of your auterrrrt by the next stateritss rJoairg date, but did not rb so mr the preNaa mondr. lJrpeid flrorroe drarges am added to the applicable segrners of Your Arxntnt. tc. arsrirrsan Finsreta~~sgqdrea>cctgts• Far each billing penal that tad RNANCE CFIAIiGEtof 9'~6e~mposad. If the [oral firrarrrB Barge ra~Nrnp frorrr the applice of yax pedodc rrte(sl is bas tlwt 30.50, we wiN er6trect that errrorxs from the 90.60 mrmxm sd the dffrxerr~ wfk be tiYed to the pachsae ~grret~ of yax truootsrt. t d. Tawpaary RaArslist it Ferree CJrrpa. Wa rPaerve the ~gmppe~_ asear arty er fit Mmnee drerges for anV given ?_ Avsraga ~V Batanos Ihraarftu Ylaw Ptxtthsaasl- a. Frorrce charge is calalated y mtltipying the daily balarkse of asdr aegmers of your aooaart (e.g., cash advsrrce, purdaee, apedd trerafar, and s,radel purcfasal by the oamaporr3ng deBy perfecta rate(s) tMt has been prevfaaly diadoead m you. At the errd of aedr day Aukg do hilGng paned wre apgy the daily perbric rate Tor each segrners of your~aoaunt to the dsflV octane of rradr of tihese daily or~lalatro~rr m e~rdve at ya~r ~ pedodc fkterre Barge for each segmem. We add rp ttre mstNa from eadr segment m anlva at the tad pedodc Iktartce dverge to You amotxs. To gat the dniy beierrce for earn aeprorrt of your acmtn[, we take the 6egkrtirg belertce fa eeM segrnerit and add arW new trsnascHare and arty pededic Marx-e rhsrye ralcr/eted on the prevfaa day's bdMrce for that segnertt. We then stbtracl arty paymsR: a credta posted s of drat Bey that am dkrreted to tM[ aegnrxs. TFris gives tat fro separate daily helerrce for each segmas of Your arrant. Floweret, if you Dead tFra New fyelarrra #rown en your previora sta[errrers kr all (or if your Haw balance was tam ar a credt snant), rtew [mrrar_tifons vrdridr post to Vex ptxdrrae or apedd calalete vefes9g dsi balstce eddrrg ek fire dsdeny a helerlcea together errd Avk/ng the arm W the nsrther of the days in the axrert bikkvp cYde. To calculate Vex lord firarrce Barge, rmltlgY Vex svemge dslY balance by the de9y pedodfc mte and by the ember of days in Bra t1iWrlg eight vsrlerrtB betvvecxr this rakilatien arrd tlre~amant of finance charge atmaky a.aeaead. b. If the rode 7 nr N appears on the haA o1 tfia statement next to ' RMarrca Rata Appied To; vve mtatiply the _ 2227M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received an a business day by 3:00 p.m, ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at bast five 151 business days for postal delivery, Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. FOR ' 1 ' , ' 535400.01 ~~d/~yj8' C A R D H O L D E R S Rel/ , Try this new THINZYME free! O~ v~AyUE 7Yy new THINZYME AS A p~ °pary It's worth $10.00 and ir's a gift w you without any charge 4 a whatsoever as a trial member. t, G c, '. FREE IFT ,~ i~ ~ ~tIl THINZYME ADVANCED WEIGHT LOSS SUPPLEMENT Losing weight never felt so good! ~ ~ fi ESPECIALLY FOR CAPITAL ONEa CARDHOLDER r Itl0.llllllx • Burn Fat • Increase Ene • Feel Creat• BY ,..,..,...a.M~ .x DEBORAH L GRAHAM T~'~ FIV ~YI~1~ Thtnzyme, when combined with a sensible meal and exercise plan, is , ~ , , an advanced weight loss program devefoped/ormaxim!ang metabolism' ="~"'°"'a" ~ Mail your personal certificate on the back to get your free giftl ~ ~ ~ 'Ity It for yourself, FREE. it's easy! ~ ' lust sign and mail the Certificate on the other side today! These statements have not been evaluated by the Food and Drug Adminis[ra[lon. This product Is not Intended to diagnose, treat, cure or prevent any disease. For fastest delivery of your FREE Thinzyme 30-day supply, call toll free now: 1-800-55 7-2520 (THIS TOLL-FREE NUMBER IS FOR THIS SPECIAL OFFER ONLY) OR ENCLOSE THIS CERTIFICATE IN VOUR CAPITAL ONE CREDIT CARD REMITTANCE ENVELOPE EnrrtT~estetrr No I B D 9 . Capita/O~• VISA COLD ACCOUNT AUG 28 - SF.P 27, 2001 4388-6418-2716-8845 Page 1 of 1 Account S Previous Balance 5184.72 Payments, Credits and Adjustments 120.00 Transactions =29.72 Finance Charges 12.75 Payments, Clxdits and Adjustments 1 22 SEP PAYMENT RECEIVED -THANK YOU 520.00- Tranaacr;ons DATE New Balance 1197.19 2 21 SEP Minimum Amount Due 515.00 3 27 SEP Payment Due Date October 27, 2001 4 27 SEP Total Credit Line 5200 Total Available Credit 12.81 Credit Line for Cash 5200 Available Credit fen Cash 52.81 Atyourrrruia To call Customer Relations or to report a lost or stolen Ord: 1-800-903-3637 Fer free online aecamt service and sptcial autonw offers, log on to: www.saputabne.mm Send payments to: Send itlquiries to: Attn: Remittance Processing Captal One Services Capital One Services P.O. Box 85147 P.O. Brix 85015 Richmond, VA 23276 Richmond, VA 232R5-5015 SHEETZ #195 MECHANICSBURG PA MONTHLY MEMBERSHIP FEE PAYMENT PROTECTION t-888-527-6904 522.00 6.00 1.72 Firlatlce Chats Pkare ra reuerreride for important infonrtrrrion Balatrre rate Pniodu Canelpat~ng ~~ gbplirdtn rye APPR PvRCHASFS 1]8733 .oa74096P 17.3096 s275 CASH l.00 .0474096P 17.3096 1.00 ANNUAL PERCENTAGE RATE applied this period 17.3096 4470M • PLEASE RETURN PORTION BELOW WITH PAYMENT. • ~~~~~~~ 0000000 0 4388641827168845 27 01971 90020000015001 New Balance 5197.19 Prearr frirtt addrcu elsaedrs artern ueing blur or blar+E Minimum Amount Due 515.00 Payment Due Date October 27, 200] so-r~t Ape ~ Total etLrlosed ; ate s~ ztP Home Pllotte Altemam FFane Capital One Bank DEBORAH L GRAHAM P.O. Box 85147 0 ~ 902 ALLENVIEW DR Richmond, VA 23276 w ~ MECHANICSBURG PA 17055-8604 P VIIIIIII IIIIIIIIIIIIIIIIII I111IIIIIIIIIIIIIIIIIIIIIIIIIIIIIII ~ ~ IIIIIIIIIIIIIIIIIIIIIII VIII IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII Plenre write your aununt number on your chri,6 ar money order madepaynbk to ~itd One Bnn,6 and moil in the entlared envelopie CERTIrICATF.S ISSUED BY GENERAL VITAMIN CORPORATION TO SELECT ORGANIZATIONS WITH VALDES Of $5.00, $8.30 AND $ 10.00. THIS CERTIFICATE ENTITLES YOU TO A FREE 30-DAY SUPPLY OF THINZYME (a $10.00 value) Plus, you automatically will be enrolled as a trial member in General Vitamin Corporation's vitamin program when you accept this FREE offer Yes, please enroll me as a 30-day trial member In General Vitamin Corporation's vitamin program and send me, at no cha;¢e or obligation, my free 30-day supply of THINZYME. I understand that, unless I write or call to cancel during the 30-day trial period, I will receive a 90-day supply of the same THINZYME supplement every three months for only $29.95 plus $3.95 for delivery. This amount will be billed to my Capital One® credit card account. I understand that accepting my gift sample does not obligate me to continue and, if I wish to cancel my membership in the program at any time, I can notify General Vitamin Corporation by calling toll free 1-800-323-8482. In any case, I may keep the 30-day supply as a gift. Redeemable exclusively by: DEBORAH L GRAHAM, 902 ALLENVIEW DR, MECHANICSBURG PA 17055-8604 Account Number: 4388-6418-1716-8845 CARDHOLDER SIGNATURE (valid only with full signature): 1 authorize Capital One to forward this coupon, which includes my account number for billing purposes, on my behalf to General Vitamin Corp., which provides this product. By responding to this offer, you may be communicating information about yourself to General Vitamin Corp., which provides this product-for example, that you are a Capital One customer. GET YOUR FREE $10.00 SAMPLE FAST! CALL ALL FREE 1-SOO-SS 7-2520 ENTITLEMENT NO. OR ENCLOSE TH-S CERTIFICATE IN YOUR CAPITAL ONE CREDIT CARD REMITTANCE ENVELOPE 1 s O 9 This offer is made acrd warranted by GVC - Gttrteral Vitamin Corp., P.O. Box 1500, Chapel Hill, NC, 27515, 1.800-323.8482, General Vitamin Corp. is not affiliated with Capital One and is solely responsible for its products and sttrvims. I authorize Capital One to forward this catpon, which includes my credit rarcl acrxttnt ntxrther for billing purposes, an my behalf to General Vitamin Corp., which provides this product Capital Ono is a federally registered service marls of Capital One Financial Corporation. All rights reserved. ®2001 Capital One Financial Corporation. 8 0 o b 2 N N pedodo rate. Te obtain tF,e average daffy balance for tfre billin-g p~eriod covered by this natemmt, we take the begiming balance of each 9egnem eaM day, add any rew trerresctiare to each aegnem, and atMrad any pe~,tnenta or eredta. Ot the code N appeare m the fiom of the statemmt rext to 'Balance Rate Applied Te,' we also subtract any uryaid finarra dirge klduded In the belarxx: of each ae~~rrn.) Tlla gives tta the denty balance of eaM segngrt. Then, we add rp all the dulyy balances for each aegneM br the billing period aril dtAde by the total rxznher of days in tfle billing period. This gives u the average daily balance ei eaM aegnern. 3. ArwW Paroartapa Ratsa fAPRI. a. The term 'Aural Perraraege Ram' cosy appear as APR' m the iron of this aretement. b. If the cede P IPrNnel, L f3-mo. LJBOR), C (Cerdfkate of f)epoat), a S /Bankrard Prime) appears m the hour of this tttafemem next to the periods rote(s), the periods rates arfd mrreapaldng ANNUAL P~fTAGE RATES may vary quarterly and may increase or derrna.e based m the stated indcea, as land in The Wall Street Jauril, giro tfa margin pretnatray dadased ro you. These di wint be effective m the Brat day ei your tilling period covered by year periods statrmeM erring in tfi monlhe Janary, April, JWyy and October. c. If the rude D lPdnte), F (1ato. UfiOR) or 0 (3ato. LIBOR Reprked MarnNy) appeare m the has of your aretemrzrt next to the periods totals), rite periods corn and correspatdnp ANNUAL PERCL7JTAGE RATES may vary mandly a may increase or decrease based m the stated irtdcea, as fond in The WaN Street Jarral, plus the margin prevfately dadosed to you. These danger will be effective m the 11tH day of your filling period eaM martth. o. Asemnrrrt M Lan, Ovsrntnts and naOntad Payntrt Face. Your aantnt wint be assessed ro mac than two of the fees listed here [fat ocau during arty hilNrg period. Under the tame of your aganer agraerrtaK, we reserve the right ro wdw or rot to asses any fees whhaa aior rodfration m you wltllott vvaillrtg au ng'x m astass the same or similar fees d a later time. 5.'tRartatwfrp You Aaaaat. If a mentherehip fee appears m tfte front of this statement yttu lave 30 days from the date tlla ieMa110r1t vvas moped to you to avoid peykg the fee or to lave srtrh tae eredtad to yet if yar rand Your aanrrit- Dtzklg this Period, YW may mrttirtta ro use yrxu axaztt withou Mtktp to pay tfi memherahip ftta. To cancel your axornt you cast notify to by raNirtg fix Ctattxrer Ralstlore Depertrnent end PeYy~tu Now Bdartce' in fiN (eta9rtdrg the mmthereflp fee) prior to the stiff of the tftirty-dsY period. S. M Vrsr Cdr Yatr Aooout. Vou ran ragraa[ to dose yy~ott~ur axouu by raNktg our Q,raerrir Relariorts Oepartmera. You cots[ destroy your credt rartNsl erd a®tra amp Mocks, card aN prmuhodzttd hinting, and [coos yar exam. If you do rot rand preetzMdzed ~ amergerrtertre, vet vWnt rnrakler rttceipt of a ditga your auhodzstion m reopen ydr exam. AdddaintY, Wtu armor wint nor ba dosed ulnt you PaY ant auroras you ovve ua kdtdng: any trertsetafore you have etrladzed, flrtertte Margee, past duo fees, otnedknit fees, renrrid payment teas, rash artvarrB Tess erd any aher foes assaased m your 8tmlm. YOU are reaporiiMe for tlteas smarts VYfl611ir tfiy appear m your arratnt n the tkne you rttgrest to dose the axartt a they are irxxrrred aubsegren to Ysu raQ,aaa m dose the etrnrY. Thin may malt in dtaroes eooeerkto m war sancta attar vau have your acomztt if h her dreedy been dosed. For example, if Y~ etafnrited a purrheee from a memJterl and vre receive the traraacdm flan the men3tertt after 1'etu sccetzt fas been dosed, your axazs vuntl fte reopened, rite errant of the [large wN be added to you amotra, marrh~ership !ea ecoan~t theieel will re rcarlksre m he dtar{ted, to the etoent pemtitted by law, ursY the attars balsrce has been pad in fill sa deflred shove. 7. Uaiq Yw Aeaant.Vrtu card or accam rarrta M [Bari in coratactiort wkh any kaemet gmthntng trartsectiora. R. Notion Abet Flaatrsria (]took Clornrars'v~ When you provide a dock ea peyanera, you arsftodze ua ehfar to use tnfamaticn tram you titeck to make a ortatime eleamrlic find trerefer from yar hertk exeunt or to prooeee the payment es a dteek treriaetion. When we use informefian mom your dteck m make an dectmrtic find treriiar, hods may be withdrawn from you bank BCCOIIK 88 anal 981110 aenlB day We r0t01Ye yax' peymaa, acid you YVn not reraive you cloak beck from your frtertdal katinlien. BILLING RK3NT3 SUMMARY (In Casa Of Enos Or Qreetlme Abotrt Vour Bi10 It yar tNnk your hiN la wratg, or If you Head mom iniomlatim m a trartaacdm or NN, write to us m a separate sheet ea seen ea posade at the address for ingtiriea shown m the fmd of this srefemad. We moat hear flan you ro later than 90 dayYss aher vve rem you the first hill m wNM the error or pratlem appeared. Yeu ran call our Gatamer Relatiarle rrmher, fxa firing so wiN not pre»erw your dg.da. h year kHter, give ua the tdloteing infamatim: your name and aocazn amber, the ddlar amaztt of the xrpecled error, a deacriptim of the snot and an et~lanstim, If poside, of why you believe there is an error; or it you need more inbmtapen, a deaedpfim of tfi hem you am tr>atre shout. Vau do rot have to PBV anV amaze in grrratian wNle wa are invea[igstinp it but you are still ohliget~d to pay the pans a your h'N riot are r1m in t)taatim. Wtile ws inveadgafe your praadm, we rerrwt repot you as ddirtqumt er take any scrim to capes[ the smarm yen queatim. S,t Spedal Rule far Credt Card PurMeaes If yon have a problem vAth the qusity at property or aeMcea tilt you ptxMeaed with a ererlit um and you have tried in geed faith fe mrreet the problem v1Th tie merdam, you may have the right not to pay the remdrtMg amoud due m the progeny a aervicea. Vau lave 1Na protectim edy wAan the purdaae pdco was mere then 950.00 and the purMase was made in your bane erne or within 100 miles of year mdntrg address. 111 we own or operate the merchem, or If we mailed you the advertisemem br the praperry or services, aN purdases are covered regardrae of amours or Wcatim of ptniase.) Please remember to ago aN mrrespordalce. t Ones cot apply to cansumrr tract-aeayl card acrnunrs 3 Oars cot aPPIY to aucinesa non-rf~a rant acrartis One atpporta inlamatim privacy protection: ace our at www.ccaepprtttdane.can. One is a federdly registered service mark of Capital iuldal Corporation. All rights reserved. ~ 2003 One OILGLBAK ta. firaas Period. Veu will love a mirimun grace period of 25 days withal fatstce dtarge m new puniases, raw belarrs transfers, rew special ptadases sod rew oArer Merges if you pay your tots 'New Balertre', in exoMence vvith the fmponent Notice for payments blow, eM in drre for it m be scarified by your next atetanertt dosing date. There is ro grace period m cash advsrtr~s end special trerefere, h adddm, there is ro gace period m mY trertssttim if you do rot pay the total 'New halerra.' b. Aoaritp Planes Qr=ys. Treraactims wllirh are not srirject to a grerx period are a®®d flrtence dirge 11 fran the data of the treriaction a 2) frorrr the date the trerteatxion is prmrased to your AxazY a 3) fran tti first ralenMr day of the aural[ biNirt~ period Addkiorally, rf_you rid not pay the 'New Balance from tFre praviota tiNStg period in TuN, frtarre dargea corttirlte m atcnre ro your urpdd belartce rzdl the trpeid balance is Paid in ttll. This meere that you mB~r atlll owe firtenr~ Merges, even if yon pay the erVire N8W BM811fl IndCaiad m the mar Of your are[ttmera by the nett[ atatemen doakg date, but did not do ao for the prevfaa math. Urtpdd firrertos Merges ere added to the a segnent of Vau Aorxxnt. t c. Mitkratm Fltanos Gtrya. far eaM hinting period that ysu txratnt is stltjerY m a rrrtartrn riarge, a miNrrxm tad FINANCE l7-LARGE of 90.50 wiN be knpoaed. If the tad linertce large rastJdng iron the poi of r pededt rate(s) is leas tMt 90 50, weswiN 6tniea that smtxzx from the 90.50 minkam acrd the dffersrtte want be hinted to the przrhese segnent of your sornrnt. td. Tarrpnsy IisAraitn in nartos Chrgs. We reserve the right to na assess any or aN artertte Merges for soy given 6iNktN ppeeri~od 2. Avrapa Daly Babas fflfekt~ta Nsw Hrdtrasl. a. Rnaroe Merge is ralalned y mtltlplying the daNy helarra of sent aegmert of you axazt (e.g., cash edvartce, puniaae, spedd trarafer, and apedal purdase) bV tfi ~>g daily periods retelsl drat her beat Previotzly dsdased ro you. At the end of eaM day durkg the Pte, we apply the denty periods rem for sent aegrnerY of You aanuit to the denty balertee of earn To~these daily oralrarstiartsO s~nhie at yam W perkxic fria:e barge for eaM aegntatt. We add tp the merits hour eaM tleAttent to arrive at the told pededc Potence Merge fd you axazlt. Te get the daily bdartce for eaM sa¢neK of your exam, we take the begrvwtg belertce Tor each aegrrteru and add any raw treriactiats and any periods Potertra dtsrgs rdalated m the previaa day's bdartee for that azegttera. We then subtreet any paymmta a credts paaattd as of that day [fit ere dmreted to that sagnera. This gives u tiff saperste denty liMrtce for each aegntartt of your aanrzx. Fbwever, if you paid the New Relents atown on your prevkaa atatarerlr kt 1 (or if your nary belarrra was zero or a credt emouttl, new treriectlora wftlrh poet m your oodles or trpedd purMese aegtterua am rot added ro the dopy belertcea. We ralaiate the average denty beWtce by addng e1 the daily dtel~ in~tlreaaurendhiNirp cyrb. To real ~ tad finance dirge, raltiply Votrr average tlenty bslerra by the daNy periods rote and by the ember of days in the bNntrg period. Dlla to mtrxirlg m A drily base, there may ba a aNgts variants between this celalation and tfi errant of firerrB ritergs ectuanty assessed. h. If the code Z ar N appears m the ham of this atatemmt rex[ ro 'Balance Rem Appnted To,' we nnhgly the 4470M Important Notice: Your payment will be credited to your account as of the data we receive it, provided ycu send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five i51 business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are 11Aondaythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Eliminate Monthly Cable Bills: Turn Your House into The Ultimate Antenna with POWER ANTENNA Just plug your POWER ANTENNA into any ordinary outlet and watch in amazement as your entire house turns into a giant TV reception station! ^ See crisper, clearer ^ Easy to install and tune local TV reception ^ Uses your home's without cable electrical wiring system ^ Plugs into any as a giant antenna standard outlet ^ Includes coaxial ^ Picks up weak cable and 75 to 300 signals, even in Ohm Adapter rura{ areas Ut Listed. Made in China. Dimensions approximately 3~' H x 278" W x 1' D. C'apitalQ~° Account S Prevsous Balance #197.19 Paymems, Credits and Adjustments #50.00 Transactions #62.73 Finance Charges #2.73 New Balance #232.65 Minimum Amount Due #32.65 Payment Due Date November 27, 2001 Total Credit Line #200 Total Available Credit #.00 Credit Line for Cash #200 Available Credit for Cash #.00 At your service To call Customer Rdatioru or to report a lost or stolen nrd: I-goo-903.3637 For free online account servia and special wstomer ollixs, log on to www.capstalonemm Send payments to: Send inquiries to: Arm: Remittan« Procrssing Capiml One Smices Caporal One Services P.O. Box g5147 P.O. Box 95015 Richmond, VA 23276 Richmond, VA 23295-5015 31941M No more rabbit ears, cable, satellite dishes or unsightly antennas Before After Uses any standard outlet/ For peak reception, simply slide convenient tuning bar. 537200-01 tsceptlon so clear you won't believe your eyes ... without costly cable bills! ~SY TO INSTALL! ?lug the Power 4ntenna into any standard electrical outlet. Simply attach the auxiliary N cable into the jack. Adjust slider for optimal reception. Special Offer For C's'1p1~d/(~lZe' '.ardho/ders! VISA GOLD ACCOUNT SEP 28 - (7(". I' 27, 2001 4388-6418-2716-8845 Page 1 of 1 Payments, Credits and Adjustments 1 27 OCT Transactions PAYMENT RECEIVED -THANK YOU #50.00- DATE 2 25 OCT NSS"'FIISTORY OF WORLD 800-943-6788 CT #4.97 3 25 OCT NSS'3D GARDEN DESIGNER800-943-6788 CT 4.97 4 25 OCT NSS'DICTNRYITHE8AURUS800-943-6788 CT 4.97 i 25 OCT NSS'MILLIONAIRE GAME 500-943-6788 CT 4.97 6 25 OCT NSS•CD-PRINT MAS1"ER800-943-6768 CT 4.97 7 25 OCT NSS'WMNS DAY COOKBOOK800-943-6788 CT 4.97 8 25 OCT NSS'CD-HOME IMPROVE. 800-943-6788 (`,T 4.97 9 25 OCT NSS'AMA MEDICAL GUIDE 800-943-6788 CT 4.97 t0 25 OCT NSS'CD-ENCYCLOPEDIA 500-943-6788 CT 4.97 11 25 OCT NSS'IrOOH PRINT ARTIST 800-943-6788 CT 4.97 12 26 OCT OVERLIMIT FEE 25.00 13 27 OCT MONTHLY MEMBERSHIP FEE 6.00 14 27 OCT PAYMENT PROTECTION 1-688-527-6904 2.03 rmance charges Pkarerarerxrreridefar;sn~rtant iafornratiors EalasKrat[ Pe19GdiP Cditzpms~ng' ~~~ gpplirdfo tde ~PRR PURCHASES 120364 .0446696P 16,3096 #273 CASH 5.00 .0446696P 16.3096 i.00 ANNUAL PERCENTAGE RATE applied this period 16.3096 • PLEASE RE'{'[IRN PORTION BELOW WITH PAYMENT. ~'aP~IOYI.e` 0000000 0 4388641827168845 27 0232650050000032655 New Balance #232.65 Minimum Amount Due #32.65 Payment Due Dare November 27, 2001 Total enclosed i A'rese p,;><r addrsr a~lms6rr bdsw blur ~. blaeE ;~ Sveec App ~ Gty Soo 7.IP Hone phone Almmue PMne ~~ #4030125817229116# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM ,..~ ~ 902 ALLENVIEW DR P.O. Box 85147 ~' MECHANICSBURG PA 17055-8604 Richmond, VA 23276 °; ~ I~~Itlt~ilt~tltli~~~ltil~~ilt~tlltttlltttil~ttlltt~ll~~tllt~tl ~ I~~tllltttlllttt~l~lttltltlt~l~tll~tll~~~~lttiilt~~ttltlt~ltll Please vmte your au»unt number on your rlxif a money order made payable to Cnfiial One Ban,E and mail in the entlattd ertaulofie. r Special Offer For Capitallp~• Cardholders! YE$~ Please send me the Power Antenna(s). I agree to pay Name _ the price plus shipping and handling indicated below. If I am not totally delighted, I may return my purchase for a prompt Address refund of the purchase price. Qty. Item No. l>escrip0on Price Each S8H Each 130505 Power Antenna $19.99 $3.99 Please enter your VISA• or MasterCard° credit card number: ~llllllllllllllll Expiration Date: Month: I.-_LJ Year: ~U Cardholder Signature a i on y wit signature I authorize Capital One° to forward this coupon on my behalf to United Marketing Group LLC who provides this product. Please allow 4-6 weeks for delivery. Offer good while supplies last. O 2001 United Marketing Group LLC, P. 0. Box 599, Elmhurst, IL 60126-0599. for inquiries, please call 800-399661. tt~ ti t~ ti ttt~ t_ ea_ r_ t>_ ti ~_ elletill~ 8 O j O N N cry Home Phone Store ZIP E-mail Address (Enter your a-mall address to recdva future offers and rewards.) ® 2001 Capital One Services, Inc. Capital One is a federalry registered service mark. All rights reserved. The merchandise featured in this brochure and the brochure itself are offered by Unhed Marketing Group LLC, an independent company specializing in mall-order sales and not affiliated with Capttal One. Capital One does not provide, endorse or guaramee any product or service shown here. Unfted Marketing Group LLC is solery responsible for this otter. By responding to this offer, you may be communicating information about yourself to United Marketing Group LLC who Drovides this product-for example, that you are a Capital One customer. HE-1932 10/01 Detach enA rotum in your Capigl One credit ca-1 payment envelope. 56-UMG pedodM: rate. To abuln the average daily balance for the haling Period covered by ttia statement, we take the taijmng helam of each segmem eaMr day, add any new traruactiorn to each aegnent, and xbtrect any payments or creau. tit the cads N appears an the fiord of [tie natemart next to 'Blom Rate Appaed To,' VJe also subtract any upaid flnam Marge httluded in the halam of each aegnem.) Tlia fives ua the daily helartce of each segrnem. Tfiert, we add iq aN the dotty balartcea f« each aegmeM for the billing period and divide by the t«d r.anner of days In tie tilw,g period. This gives ua fire average daily balam of each ae¢nem. 3. ArwW Proantapa RaNa fAPRI. a. The term 'Arrant Percerrtege Rate' may appear as 'APR' an the Tram of ttia statemem. h. If the code P IPrtrte), L (3-mo. LIBOW, C (Cerdflrate of Depodtl, « S IBenkrard Prime) appeare en the tram of ttis s[atattatt new to tfa peleae rafels), the pedoac rates end oorre~atartg ANNUAL PERCB~ITAGE RATES may vary quartedy and may irtaease or decrease based m the stated irtdoea, as tared in The Wet/ Street Jana; plus the margin ppretiatdy detlosed to you. Tleae Ma wee he efMCtive m tfa first day of your tilling period covered by yea pedodc atatanem ending in the mantle January, Apra, Jilt' and October. c If the ratio D (Prins), F (lyrro. LIBOR) or G (3-mo. LIBOR Repriced MaNiy) appmre m the iron of your atmemertt raxt to the pedede retefa), the pede6e rates and corre~traing ANNUAL PERCENTAGE RATPS may vary morrtliy and may Mcreeae or decrease based m rte stated Irdcea, 8H tared in The Web Street Jawrtal, plus the margin prevfaudy dttt9osed to you. Ttteae Mertgea will he effective. on the flM day of your tilling period each mordh 4. Assrasrt d Leta, Ovarirrtt sttd Rshsrrsd Patarrnrt Frs. Vat arx:an win be asaeerd ro mare tfien two of the fees anted fare [fat ocatr durktg any hanrtg Period. lJrtder the tame of ynr astemer sgrearnat, wa nerve tfa right ro waive a cwt ro asset any fees witlnrR ixior rotifiration to yyoouu without waiting ou ~ ro assess the same « dniar fees m a later tire. 5.tASrissiitp Yeu Asaant. If a memheuhip foe appears m the front of tits statertwr, you lava 30 a~vo~id pa~yirtg~tlie~fce~or ro~Fa~ssuch ~ aedterod io yv, if you rartcel you aceaax. Uskig this period, you may eondrxe ro r,e year aceant wMtne Paving to pay the merrtberdlp foe. To catitd yatr eomtn[, you moat and pay yyhnV ~ Belerwe' m Ttf (extltrdrgpathe nterttbersl' ufee) prior ro tle erd of rte Wrtydey period. B. yHyoaVuarw Cba~ Yar Asmnt. Veu tar reginet ro does Uepa~~Yar rra~deatray~ynrcradt (sI arts aooars errors decks, ratral ee praeulfnrized ti1N^g, arts crse yea stoats. If you do not ravel prmtilndzed ansrigerrrertts, we via certdder receipt of a Marge Voitr audtorizetlon to reopen yea atxxtttm. Addidaeey, ynr sorsux wnl rte[ he dcaarf taYY ynr pay an ernetaia you ewe ro ktMtdrg BnY ~a ~o ~~ta etdn~ rizeadd, flnertce Mtangea, I~at peymal fees, rest[ advarwa tears erd any attar fees etttlesaed ro yar atxwtrn. Yeu em raspertable Ter tftee arttasss wtetfar day appear m you eoeant at rite rime you regteat to rJose the arxxxrn « tiny are irtnxr'ed stfisegtterr to yea repast to Moos da arxarnt. This may real[ M Merges eppearktg m you aooara after you lave 1^otrr etrsiau if k hoe dready been closed. For example, if you authorized a puchsse from a merMarl artd we receive the trertaactlan iron the rrarMtsrt[ after your octant hoe been dosed, Vou acrwtn[ wnl he reopaed, the emaatt of the Merge win be eddad ro yatr accost, and yyoouu oral be resperaitie f« peymeK. If there is a memheatiif fee for your secant, the fee win certdraa to be cherpad, to the atoent Pemittad by law, until Ma socetnt belarrs has bean pad in aA ea deMted above. 7. Uatq Ytsr Aosaart.Vas card or accam correct be used in cerrecdorr whh any k,temet gambling trartrrriais. n. k6tlss Ahat Else6oriio Clrsok Lbrivrsion. When you provide a Mteck r payment, you authorize u eltlar ro use information from your Mteck ro make a me-time elearolc Asti transfer from your hank aceastt « m grocer the paymen es a Meek trereettion. When we use insamation from your dtecli ro make en electrmic turd trereler, fords neV ba witfdrewn from your bank arnotnt r Boat as tfa carne day we recdve your payment, and you will rot receive year tlteck Mrk from your frarttlal iratineion. BILLING RK)HTS SUMMARY (In Case Of Ermre Or Oueatlans Abort Your Bilh 11 you think your hill is wrong, ar ff ycu reed mom inloenalon m a treraaction or bill, write fo ua m a separate sheet r nom as poseltie at the address for irtgiiriea ahowst m the from of this atalemad. We moat hear Tram You ro later then a0 days abet we salt you the Ater rill an whiMt the error or problem appeared. Ynr ran rail eu Qtnomer Relafians nether, but ddrg so win cwt m4oe mta~tim V ~neme all accant~nunber, lfa~danar~ amotm of the auaper-ted error, a deacriptian of the coot and an explanelim, it poaeible, of wiry you hdieve them is an error, er if you reed more inbmtatwn, a dascriptim of the item you are inwxe about. Vov do cwt Fave to P°V ~V amastt in quealian wlile we are invest'~getsq n, but you are srin oHlgeted to pay the parts of year bill that am cwt in rXreation. a vve investigate yes Qreatlm, tore rarrat report you as delirt¢tatt or take any scrim to cries the amaun you girmtim. i,t Spatial RUe Pot Credit Card Wrclasas 11 you have a pretiem vlth the quelhy a1 property or serticea that you purMased vdth a treat card and you have tiled in good faith to correct the problem with the metMent, ytw may Mve the fight ran ro pay ifs remairing amass due m the ny a services. Vau have ttis prmoctim oNy wfan the ptxMaae pda was mom then 850.00 and the puroMse was made in your forme state « within 100 miles of you mdnng address. Ilf we awn or operate the merMent, or if we maned you the adverfiaematt for the progeny or aer~, aN pumttasea am covered regerdesa o amain a leratien nt quMtsae.l Please remember to sign all mrtespartdertee. f Dor_s rot eppty to ronaeurwl ron-reedit card aerntnts t Dbe-a not appy to business trout-credit raid accents One sippona information privacy protecdan: ace cur rtgaterect service mark of Capitd All dgltls reserved. • 2003 01 LGLBAK to trsoa Pszisd. Vcu will have a mlrtimun grace pelad of 25 days witlwut frwre Marge ro rev purMtres, new helertoe trarakxa, now sperJel prtlasea and new other mac ~danrs~with~Bta~ total 'New Belem', in kryortaM Notice for paymema below, and h tine for h to be credited by you rake 8rotelnertt Moeirtg [late. Them is ro grace period ro cash edvsrtcea end apeaN trerafere. h edadon, drere is ro $rece period on snV Ireraaction if you do rot pay tea torel New belartce.' b. Asoukq Fkt=ras t7targa. Trarteactiara wflMt are cwt subject ro a grece period am aaearad foam Mary 11 from the rime of the traraeclien a 21 from the date the treraection is processed to your Aceaaa « 3) from the first ralerder day of the asrartt hieiri~ Adatiorielly, if you did rot peV the 'IJew Belertce the previats tilrrtp period in flM, Marrs Margr twmiae to sotxtte to your ialprYd helarlOE u1fi) the utllald hdem is paid in fill. This morns [fat you msy sttn owe frarrs Merges, even if VW pay the entire Naw Blom inArated on the Pratt of your atatemem by rite roxt sretematt rJaektg date, but rid rot do ro f« the prt:Naae math lkpeid Rrterrs Miargea em added ro the aegnertt of your Atrnrs. '~' c. Mriam Fkitatr .for eedt tilartg period that your axast is > ro a flraraxz Merge, a mkiam ford FNANCE CrHgAeRGE ofn9p0.50 wi heappklin~psoead Hytdlwu odic eret (s) Tate tees tl~iert 80..50 u e wiN ar>h~ntet that emorstt fron the 80.50 miriram xtd the difference wire be billed to rite pudaae e~na~t of your eaaart. 1' d. Tarrpsay Rsduallm kr FMras tlr~pe. We reserve the right to cwt areas arty a M flrertce Merges Per any given tieing d~~d. 2. Awrsps Daey Balrrsa f Mro~rdkta Mew Rrdiaaast. a. From darge is calaiated y mJfiplying the daily belertce of serif sepnerit of yore arnatrc (e.g., cash advam, purMar, spedd trertafer, ell apeael purMase) by nor rmrpertdrtg daily petioae rate(s) [het Ma men previdtdy asMord ro you. At de erd of eaMt day duktp the tinirg Period, we apply the dotty pedoac rate for each serrnrxr of your eocant ro tie denyy helertce of earn segitent. Tien et tie ertd of the hM'inp parted, wre add ~ tie reetits of floes daily raksiatiae to solve et patinae &tartee Merge for earn rgn,arrt. Wa add ip tra reatlts from eaMt segnaN m arrive at the total periodic firem Margo for your aaxttsx. To get rite daily helem for each sanntatt of your oceans, we take die heglmkq balance for each aegrierx ertd add aen~ymraw trenrctiere day's~~ame ~seg terms. we dare ~r ct~y ~ payrn«aa « create posted r of fiat day flat are dlocacad to the[ segrners. TFrs gives is tie separate daily belarwe New Belamwn ~ r eccetsr. However, if ya, paid the your previous stetenrem in kit (or if your raw belerrs was zero « a crest amasrl, raw traraectiora wlrrh pest ro your plotless or spedd purchase segments ere rot added to the dsay helarwea. We calnlate the average deey belsice bV addng aN tie daily balances together and suiting the sun by the nether of the Mys in nor arrant hMktg cMrJe. To rakxiete your total finem Marge. mtltiply War everege daily balance by rite dsay periodic ate and hY the rrnber of days in tfa hanrtg period Due ro rasdrg m, a dopy bads, flare may be a aTi~tt veriarttxt hrrtween tlrs ralaaatton star nor emnsY of finerrs Ma ecnatly eeeeseed b. Ii the code Z or N appears an the tram of tHs atatemem Tara to 'Balance Rsre Appned To,' ors rainply the 31941 M (Please Print) Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envebpe, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five (51 business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Nbnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 537300-01 Special Offer for Capital One® Cardholders: The American Tourister Portsids 111 3-Piece Luggage Set '~~ Special Offer Price of $99.a9s i P $2 The American Tourister Portside III three-piece set consists of a Tote, Carry-on and a 26" Upright. This casual collection is perfect for your travel needs. Fashioned in rugged black 600 Denier polyester. Large front pockets to hold items you need to get to quickly. 26" Upright rolls smoothly over most surfaces, which helps you reach your destination easily. The two carry-on o pieces attach easily to the Upright, which makes moving your luggage hassle free. ', Three great pieces at one low price! Act now! Limited time offer! Call 1-800-547-BAGS, Extension 7168 to take advantage of this offer. This offer expires 3/31/02. Fbrida residents will be charged applicable sales tax. ~ Add $9.99 for shipping and handling. Domestic shipments only. Available only in black. 1f346304 NOT AVAILABLE IN STORES AT THIS PRICE Samsonite Company Stores CtlapitalQ~• VISA GOLD ACCOUNT 4388-641&2716-8845 Accotmt Previous Balance 1232.65 Payments Credits and Adjtt~ments ;50.00 Transactions 57.68 Finance Charges 13.20 New Balance 1193.53 Minimum Amount Due 115.00 Payment Due Date December 27, 2001 Total Credit Line ;200 Total Available Credit ;6.47 Credit Line far Cash 1200 Available Credit for Cash ;6.47 At yotu service To esB Customer Relations er to report s lest or stolen nrd: 1-800-903-3637 For fro online aemurrt service and special automer offers, log on to: w~a~v.capitalone arm Send payments to: Send inquiries to: Attn: Remittance Processing Capiml One Smiecs Capital Onc Serviees P.O. Box 95147 P.O. Box 85015 RichmonJ, VA 23276 Richmond, VA 23285-5015 Imvortartt Accotmt Information Capital One, ESPN, and ABC Sports are talong to the gridiron this season. Tune in everyweek for great college football and the Capital One Halftime Show. Then on New Year's Day, be sure to watch the Capital Ors Florida Citrus Bawl-in which two of America's top college teams compete in then final game of the season. It's football action }ou won't want to mis~sso be slue to check your local ]ratings for games and times. d612M Payments, Credits and Adjustments OCT 28 - NOV 27, 2001 Page 1 of 1 ] 26 NOV PAYMENT RECEIVED -THANK YOU ;50.00- 'I"ran¢artipng 2 27 NOV MONTHLY MEMBERSHIP FEE 16.00 3 27 NOV PAYMENT PROTECTION 1-888-527-6904 1.68 "Important Notice" Recently, }rou received a letter from Capital One containing an important legal nonce about a change to your Customer Agreement to add an arbitration provision. Please review the arbitration provision rarefiilly at it affects your rights. FirtanceCharges _ Pltarctarct~erstfidcforintpo-tantirsfwnwtion Raimrn. rmtt Pmedr Ca+rspaading ~~~ gpffirdto rye R PURCHASES 1231.18 .0446696P 16.3096 {3.h1 CASH A00 .0446696P 16.3096 >x00 ANNUAL PERCENTAGE RATE applied this period • PLEASE RETURN PORTION BELOW WITH PAYMENT. • Capitalpne• 0000000 0 4388641827168845 27 0193530050000015005 New Balance ;193.53 Minunum Amount Due ;15.00 Payment Due Date December 27, 2007 Total etulosed ; 16.3096 strcc Apt.;w Qry Sate ZIP Home Phone Alternate Phone ~ #9033225817229110# MAIL ID NUMBER Capital One Bank DEBORAH L GRAHAM P.O. Box 85147 rv ~~ 902 ALLENVIEW DR Richmond, VA 23276 ~ ~ MECHANICSBURG PA 17055-8604 ~u~i~n~~ui~r~~m~i~~u~~ns~~m~~nr~~ns~~m~~ur~~m) ° Z ~m~~~ur~~~nn~i~n~s~i~u~u~~u~~un~n~~~um~s~n~r~~ Plenre smite your account number on yom chrtk or money order made payable m (npita! One Bank and mail in the rnrJared ensulope. A'emr print ad~rsr ~rs brlrxu ranrg war or 61an6 w,E r Special Offer for Capital One Cardholders) The 4merican Tourister Cancun 3-Piece Luggage set for only 185^~~ That~s over 40% off the Retail Price of X330.00. \merican Tourister's Cancun Three-Piece Luggage Set inGudes a 16" Boarding Bag, 22" Commuter Carry-on and 28" Vertical Pullman. Each piece is fashioned in 1200 Denier polyester falxic with PVC backing for added strength. Dual locking fper pttlla with self-mending zippers, which keep your valuables safe. The Commuter Carry-on and Vertical Pullman have comer- mounted in-line skate wheels which provide stability, durability and smooth roNing to your destination. The i6" Boarding Bag attaches easily to the push-button puN handle on the Commuter Carty-on and Vertical Pulknen to help transport multiple bags hassle free. Spacious, easy access pockets inside and out to make organizing your belongings easier. This set is great for both long and short vacations or business trips. Act now! Limited time. Call today, 1-800-547-BAGS, Extension 7357. Available in bled[ or taupe. Offer expires 3131102. Fbrida residents will be charged applicable sales tax. Add $9.99 shipping and handling. Domestic shipments onty. M288xxx131 Boarding Bag 16x13x7.5", CC 22x14x8", VPM 26x19x9". NOT AVAILABLE IN STORES ATTHIS PRICE. Capital One is rat alhgatsd with Samsonite Company Stores, and Sameortte is solely responsible for aq services provided. ey reapontlirrg ro this Deer, you may be commariraang information about yourself to Samsonite Company Stores, which provides Samsonite this product-tor example, that you era a Capital One custonar. Capital One is a fedarelh/ registered service mere. All dgMS reserved. Company S7otts 8 O M t\ O Q N N ppeeriodic rate. To obtain the average daNy balance mr the bilfirrg period covered by 1Na naiemes, we take the begimng balance of each aegmem sari[ day, add any new irertaediaa to each aegmem and atLtrad any peymerds or eredts. 111 the code N appears on the frart o1 tNs natemem next to 'balance Rate Applied To,' vve also atixract any unpaid 9rarrce charge trduded In the balance of oath segmem) This gives re the daNy balance of sari[ aegnern. Then, we add [p ell tl+e daily hMerraa for astir segmem for the bilbng ppeeriod and dvi by the reel rxrrrber of day. in the hiNirtg period. Thin gives u the average daily belartce of ead+ aegmrn. 3. Arwnl Preantga Rotas fAPRI. a. Tin torm 'Amts) Peroarxape Rem' may appear ea 'APR' m the )rem of this natemerd. b. If the code P IPrkrte), L 13-mo. LIBOR), C (Certificate of DePmit), a S fBenkcerd Prime) appears m the from of this natemmt next m the pedoAc stela), the pedaic rates and cemettpadng ANNUAL PERCENTAGE RATES may vary quertedy eM may increase a decrease based m the stated irr60n, as Tend in TAB WaG Street Jetwnal, pkn the margin prevkxtdy d4sdased to you. These dargea wiN he effective an the flm day of your billing period covered by your periodic trteterrtem errdng in the months Jarxary, April, Jrly and October. c. If the rode D (Prkra), F (1 ~rrw. LIBOR) or G (3~rne. LIBOR Repriced Mantliy) appeare m the tray at ywr tnatranem next to ftra pedadc rate(s), the padadlc rates and cerreapertdrq ANNUAL PERCENTAGE RATES may vary mmtfiy earnrdd may krcresae or tle[xease based m the stated irtdces, u fend h The WaAI Street .larrtd, plus the margin prevlowly diadesed to Vou These flanges will be etfactive m the Ara[ daV of your filling pedal sari[ mamh. 4. Anurtrre of t.rtb OvarNntN aM ffattarrd Ptryrrrra Feu. Ver sabcn w^ be aseeued ro mac [fan two of the fees fisted )are that orrar durkg arty hiNktg perlcd. l1Mer the tenre of yar ewtemer agraenras, wa reserve the right to waive a not m sasses any fees wide[[ odor nodRration to wkhew vuaivfng our right m assess the same a sinrier n a Mter time. 5. Your Aeoert. If a membersirip fee appears m tFa Gott of this statement, you lave 30 days tram the date this tlta[e111afH was mailed to you to eveid paying tfa fee er to hevr, arch tae eredted to you if you rarrcel yen emacnt. Qaktg [iris period, you may oawkate m ue your accent vvfthout MMrtg to PaV the nraNar$ip fee. To rartcel your arnerrt, yott moat rteUry re by raNkg orw Qetrxrler Fidaritxa Depermtmt end pay yar New Belertce' in ftN Imoyrc6rg ttre nternberslip feel prior to the end of tfa thirty~deV period. B. H You Clara Ytar Aoaart. Vou ran re¢aat m rJa® yywea arxnrnl bV raWrg ar Ct^tonar Reletlaa Depermtert[. Ycu inter da^my Yew [[stir card(s) and aocara acoeas decks, rand eN prasrhorizad hiNing, and crass year ernolrs. If you do mt cancel prearrlrodzed arrenperrterrts, we w^ rnrukier receipt of a dlsrge yar aulhorizstial to reopen your aocarn. AdddaraNY, Vas aocars wW rte be dosed trrN Vou PaY aN tttnarss Vat owe re irx~tdrtg~ mV treraecUere you lava errtrodzed, Iklerloe charges, past tits tees, ovedkrtk fees, raGmed paymars Tees, rash advarloe fees and arW other fees aseeaeed to yea accerrrt. Vou are raeparlble for these emants whedler they appear m your atxxxn et the time you regc^ar to dose the eocara a [fay em irinwred aubsrxtrrrs to your rec}rea[ to dose tfa eeeorn. Ttrs may reach in drargea tippeaMq m ytax arrears after you lave year accen if h has already been dosed. For example, if you atrfndzed a grdase from a martian[ and we receive the trerreetim from the merrier[[ after yar acoeru Irss been deaed, yotw accent wIN be reapaad, the amen[ of the darge wNl be added m yttcw )[scars, and you will be rrsttptrte6le for paymerc. If dare fs e merrtbeahip fee for yrxrr serer[[, the fee wIN ceraktca to he she , to the extent rtNtted bV law, tntil the aeoars rxx has been pats kt f~N se deflred shove. 7. ~ m ~~~ card or accent cams[ be airy httentet gantbing treraactiera. B. t~ Abst nasarartie r)radr Carararsisrt. When ye, provide a deck es peyrrterx, you autlnrize re eidra to use inmmstion fnxn your dredc m make a orta-&ne elearaic ftrd trensfar fmm your bank eawcrtt or m process the payrrters es a deck treraectton. When we use infamatim fran yer dads m make an eleetrmic find trerefer, Girds may lie wihcdrewn from ytxw bank aeoent as soon ss the same day vie receive your payment, and Y~ wNl not receive yea deck back from your firarriel iratittrbrt. BILLING RIGHTS SUMMARY (In Gee Of Errore Or Orastiorre About Vwr 91q It You tlMk yes biN is wrarg, or if Vou need more inlomratim m a transectlm or rill, write to ue m e aeparne shear as [tare as poaeitle at the address far ingidea strew[ m the irortt of this nnentmi. We moat hear ham you re later than 60 dayyss after we sect[ you the first till m wild[ the error or prehlam appeared Vou can call our Ctratamer Ralatiene nunber, htn tiring so w1N rat preserve your dgMa M your letter, gitre re the fdlOwtrg ntotmatim: your name and acxntn ntmher, the ddkr amain of the auepaded error, a ducdpam of tfa error and an etplanatien, if poaal6le, of whyy you heNeve there is an error; or H you reed mare inlematlen a deaedptim of the item you are uatre alien. Vau do rot have to pay any smart[ in gastien wNe via are irnestigeting tt, but yr», are still ~higeted to pay tta pans of your WI 1Mt are not in question. WHIa we investigate your queatim, we carnor rape[ you as dalingcam ar take any scrim to collect the amern you t>ttratim. l,t Spatial File For Credt Grd Purdasea If you have a problem Wth the quality of preprny er aenitas [fat you purchased vith a ere,Nt card and you have tdM in good faith m correct the problem with the merdum, ynu may Fuve rice rigfs not to pay tFa remelting amoum due m rte praperry a servkxa. Vou have this praectlm arty wfan the p[Mdaae price wee more then 950.00 and rte ptxdase was made in year home state a within 100 miles of your mdNng address. Ili we own or operate the mordant, a if vve mailed you the adven)aemem for the progeny or services, aM purdasea are cevered regerdleu at amorrh or bratim of purdase.) %ease remember to sign all mrrmprrxlenee. t r)ee.4 net Apply to C0II.41/Aler 1xM-rred%7 card aCMINtS I /kcr_s M1 Apply 1e MLSd1e.4T Mn-uedit card accounts Gpital One supports infarmatim privacy protectim: ace our webaite at www.cagtalara.can. Gpital Ora is a federally regreta~ed service mark at Capital Goal dal Corporation. All rigMa reserved. a 01G LBAK 1. Ffsvrr To Avid A Faurwa quips. tor. tract Period. Vau vwll have a mirimun grace period of 26 days whhas Atarre darge m rew purdaees, crew belertce trerafera, new spatial purdteaes erd new ether dargas if ytxr pay ytxr total 'New ItalNroe-, in eceordenee with the ImpatarY Notice for payrrteMS blow, end in tkre for h m be credited bV yex raid >Ke[emas doekq dace. Thera is ro grace padad m cash adverroas end spatial trerefera kt adddm, there is re grace period m any trereectian if you do not pay the total 'New talenoe.' b. Acaukg Frr=rca C1tay.. Traraactiora which are not -~la-'t to a grace period ere es®saed lkrerxa large t) from the date of the treraecden or 2) from the rims the tr^aetxion is processed to year Aram or 3) frorrr the flrat rderdar day of the snare HMkt~ ppaerkxt Adefitiaally, if you did rot pay the 'New Bslarrce Trorrr the preview billing period in hN, frartce darges cerNkxa to accrue to your unpaid belertra until the unpaid balance Is geld In Gil. Tltis meere that you may still owe frtartce dargu, [wen if you pay the ersire New BMen:e kdicated m the frets of your xatarrrent by the nerd ateterrtertt tlo:rtg date, but rid not do so mr the p~relvff~ar6slentarMh. lkpaid flrwrB charges t c. sGNtknan Firrrwa i1+s a For billing f~dod „he your aorara fa a-tjeat to a Wartce large, a nlirtkrtrm tad RN4N(~ (YL4RGE of 80.50 w^ be imposed If the tad Nnance ricerga resrldng fran the of your pedodc rate(s) is leas than 90.50, wa N a6trerx [fat amrxn from the 90.50 midnxm end the dfferaroe wiN be h^ed to the prrdase aegnmt of yen etrnnt. t d dgFr~m not assess any a aN MartcO e~dre We reserve the hWinp period. rBes ~ enV 9ver+ 2. Average Uaiy 9alrtsa fMYdta Nsw PtrrYrsrl. a. Firarrce charge is rdained y mrltiplyirrg the daily belertce of each segrrrent of your amens (e.a., rash edvar[ce, purdree, spatial traraler, end speoel ptwdasel bV rite rnrrayadrtg deity Period[ rate(s) tier fasybean the h'INng Period. we aPPIY t~ ~Y Psrfode rata fa Oa~rh aegmers of year aeean m the dulyy balance of astir segrrterit. Thin at the utd of the biling period, vve add rp tla rexits of these defy ralatla/lore to arrive at pedafc trance large for astir ttegntertt. We sdd t4 the rratlts from earn se{ptent m arrive at tfa tad pedaSc firertra charge for ydw errant. To get the daily balance for sari[ segment of your aancrtt, vve take the begrrwtp belartce for each aegrters and add arrWW rew treraectiora end arty~rxic Nrtartce dterge tafccNsted m the previous day's silos ftlf then aegtrtent. We that atllYrerS my paymrisa a credits potted as of tfa[ day Ulet ere aNoceted m that segnam. TFlis gives ua tM separate daily balpasndce Bel ~slnwl m~yetr gravies arotanent i~rl fill (orb if your raw belarroe was zem a a cradt amen), raw treraertiar which pad to ynr prdau or spatial purdase aagneras ere not added m the daily halarices. We ralntlete the average defy belsrlee bV sddng sr rile daily balarrea together and dvidnp the sure by t)a rarrrbar of the days in tfa [arrant bnkg eyrie. TO rdClNa[B Vow teal flrence trierge, rtai[idv v~ average deny belerra by rlr. deiy period[ mte aM by tta nsMer of days in the bilNrg period Due to reridrg m a daily basis, there may be e sight vedarxs between tile calelnion and the amen of firertce [barge echally aseasad. b. If the code Z ar N apprara m the tram of this atatemmt cad to 'Bdanta Rata Appied To; we rtsa[iply the 4612M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envebpe, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five t5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. RREYWPAYINGRYLLPRICEFOR600NSMONES~CUs~UV-s? ., "°`°°' - - 3' \\ -fig ? 6 ~. )))l I' HERE IS YOUR P ~ SPEGAL OFFER FOR CapltalQy~ ~s n CARDFIOLDERS ~'apjta/Q~° VISA GOLD ACCOUNT 4388-6418-2716-8845 Account Summary Payments, Credits and Ad'ptstntents ~fcom~ an ~omp~ny NOV 28 -DEC 27, 2001 Page 1 of 1 Previotx Balance ;193.53 1 24 DEC PAYMENT RECEIVED -THANK YOU 550.00- Payments, Credits and Adjustments ;50.00 Transactions ;7.33 Ttaaaactions Finance Charges ;2.52 2 27 DEC MONTHLY MEMBERSHIP FEE ;6.00 New Balance ;153.38 3 27 DEC PAYMENT PROTECTION 1-888-527-6904 1.33 Minimum Amount Due ;15.00 Payment Due Date January 26, 2002 Total Credit Line ;200 Total Available Credit ;46.62 Credit Line for Cash ;200 Available Credit far Cash ;4(.62 At your service To roll Customer Rrlatiens or to report a lost or stolen card: 1-800-903-3637 For fro online aecoum service sod epode] customer offers, log on to: www.npitalenerom Send payments to: Sold inquiries to: Atm: Remittance Promsing Capital Orlc Service Capital One Services P.O. Box 85147 P.O. Box 55015 Richmond, VA I1276 Richmond, VA 23285-5015 Imtrortant Account Information Capital One, ESPN, and ABC Sports are taking to the gidiron this season. Tune in every week for gear college football and the Capital One Halftime Show. Then on New Year's Day, be sure to watch the Capital One Florida Citrus Bowl-in which two of America's tap college teams compete in their final game of the season. It's football action you won't want to mi~so be slue to check your local listings far games and times. ): ingttce Chatges Pkartrx tectirrtridtfor smfortant infarnr~iors Ralmra rmfi Perrasie CorresAOrtlulg ~~~ a~lirdto rafr R A1C P1:JRCl-iASFS ;188.31 .0446696P ]6.3096 1252 CASH 5.00 .0446696P ]6.3096 3.00 4815M Vr~~ ANNUAL PERCENTAGE RATE applied this period 16.3096 • PLF.ASF. Rh",T'URN PORTION BELOW WITH PAYMENT. 0000000 0 4388641827168845 27 0153380050000015003 New Balarsce ;153.38 R'r~Pr*"t °dde`a''~'6er brlow ssrrngblur or blanE in.~ Minimum Amcstlnt Th>P ;15.00 srr~t ~ ~ Payment Due Date January 26, 2002 Total enclosed ; Capital One Bank P.O. Box 85147 Richmond, VA 23276 IIIItIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII aty sr~ zm Home Phone Alrerrlax Phone ~ #9036225817229117# MAIL ID NUMBER DEBORAH L GRAHAM ~ ~ 902 ALLENVIEW DR W ~ MECHANICSBURG PA 17055-8604 a ~ ~ IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII1111VIIIIIIII r Pleare write yore accar<nt number on yow c/etk or money ender made payable to Capital One Bank and mail in the enclared ena~ebpe. 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Capital One does not provds, endoree, or guarantee any product or service shown here. Halttxkn, Inc., Hae.txun end the Halt.txun bgo are trademarks of HaH.com, Inc. All oNer trademarks and service marks are the property trt Mae respective owners. OuenNlies, priang entl availability of merchaMise will vary due to supply and demand. See www.hae.txrm for details. O 2001 CaDllal One Services, Inc. Capital One Is a fedarelly registered eervlce mark. All rights reserved. g O ~ ro m fO~ N tV pedodc rate. To obtain rte average daily balance for the billing period cevered by 1Na suteman, we lake the 6egimng 6elartce of each aegnan eadt day, add any new trertsaeNena to eetlr aegrttrnt, and subtract any peymarta or credta. pf the code N appears m tie tram of this atatemem next to 'Balance Rate Applied To,' we also athtract any unpaid finance dirge irmJtded in the balance of eatit aegnan.) TNa givwa ua the daily balance of each aegmern. Then, we add up atl the daily balarrra far tech segnent far 1M billing peeled and dvide by the tact comber of days in the filling period. TNS gives ua the average daily balance of each aegrnem. 3. Anal tasoarlapa fiats fAPRI. e. The term 'Amtel Perrarrage Rata' may appear ea APR' m the tmn of this areteman. b. If the code P azrknl, L (3-mo. LIBOR), C (Certificate of Depoelt), a S (Bankced Prima) appears m the tram of this statement nit to the pedodc retels), the dodo Wien and cerretrtwrdng ANMIAL PERCENTAGE RATES may vary quarterly and may ImYrase or decrease based en the stated imaoas, as toad in The Was Street Joumel, pke the margin previarely dadosed to you. These d>engea wiF be effective en the Brat day of your filling period covered by your pedodc arettman sting in the mamba January, April, Jtiy and October. r.. If tM rYtda D (Primal, F (1 itro. LIBOR) a G (3~mo. LIBOR Repriced Man[Ny) appaaa m the from of your atatemem next ro the pedadc carets), the periedc rates and certeapardrtg ANNUAL PERCENTAGE RATES may vary mrmtthly and may increase or tlaxeeae based on the stated irdras, as tetnri in The Wafl Street .terrral, plus the margin previouAy dadoaed to you. These flanges will t>e etleclive en tie fret day of your billing period eadt march. 4. Ausaanrrt tM l.tnb Ovritrti std Astlarrd Pryrrwlt Fsss. Your erretrN w0 le asaesaed ro mere then two of the fees Fated Fere flat orxur drag snY 6i1Wtg perod. lJrder Nre temre of your wstsner egreentem, we reserve the right ro waive a not ro a®s$ arty inea wltltart prior rodfration to you wiNtar welving our rift to asaesa the same or aknilar fees at a latd tlrro. 5:tRsrsip Yar Aassrrt. If a mambeahip fee appears txr the front of tics slatsnsa, you have 30 days Iran the date tile ata[errrera was mailed to you to avoid paying the foe a to lave tstch fee crettited to you if yrtu raroel your aooan. Qrrkg Chia parted, yell may renralre to tea ytar amain withar having m pay the menrherelip fee. To cancel your amount, you mot rtoNly u bV raOrtg err Customer Relation DeParmrstt and pay ya- New Balance' in ftN fexdmitp the manberalip /ee) prid to the end of the ttirty-ley period. B. N You Cfor Yrrrr Asrrers. You ran regret to does yy~~rtrrr arratrn by raairtg err Qrsomar fieladore Depsmtstt. Veu reset dasroy your aedt ced(e) and aomtrn srxes decks, tercel aA prrrsrferized bilkg, and cease teYy yar aanrrt. If you ab rot rarrrxil prratafndzed hikg errstgansaa, wa will tmdder receipt of s drerge yar anlleNzsNefl ro ree~+en yar accetrn. Adddaa~y, ytxr atxarN wW rot he dosed umi you pay aF amarna you owe us krdrtding: err/ trereacNons you Mve arrftodztd, firistce darti~. Pest due fees, ONerlifrti[ fnea, retuned paymem fees, Cash arivarra fees and any afar fees aeaeasrd to yrar acmtrn. You are respenelhle fd these snares vtaeNer Nay appear m your eomtnt n rte time you request to dose the aocarn a they era irraured etheequem to yotr re¢reat to [lose the atxntrs. This may resit in dtargas appearrcg m year areotrm after you have ifif Wu srftorfzreri prdtea~e frondardran eradwe a• receive the trenaatYlro fiom the mertiwit after ytxr acoant has been tyosed, yerr accartt wFl be reopened, tte eyynwatorrnt of the ritsrge wM ba added to yotr atrattn, mertrberdi ftfe for peymerrt. If there is a p your atxxsrtt, the fee wM coraYale to be tlarged, to tie eXrens pemYrtad by law, trri the amarY 6a larva has been pad in a~ ea defined etmra. 7. Vat Aeooutl.Var cerd d arxetrd camel he kt ceraracNort vulltr sty kYemet gamWirtg trerascNorte. 8. hbtlos Abet ElaaaaNo tltsak (?srarancn. When you provida a fleck as payment, you etrhorize ua eiNer to rwe itfameNro from your dteck to make a arse-rime electronic ford tnutafar from your bent atx:ark a ro process the peymem as s fleck trarracdat. When we tee informabon frtun your dtrrJc m make an dectreric ftrrd trartsfer, ftrda maV M whMrewn from yax hank emornt n aeon es the acme day we reeeivtt yar peymem, and you wNl rot receive your tleek back from ytar frartdel ktatltution. BILLING RIGHTS SUMMARY (In Case Of Fnore Or OueaNars Abaco Veur B)IO It you think your till is wrong, or if yar need more infematim m e tranaeetim or hill, write to rs m a aeperate sheet ea soon ae poee~le at the address for irrgtiries shown on the from of Wes aretemern. We moat hear tram you ro later then 80 days after we son ynu the firer hill m vdidr the error or problem ~prarad. Yeu ran call cur Ctetamer Relatiere nether, but doing se wF rot preserve yam rights. N your letter, give n tie falWwing mbmatim: your name and accatrn camber, the ddlar amainn of the attapetaed error, a ttescdptftn of the error and an etgllanaNen, if passible, of why you believe them fa an error; er if you reed code iMemtatren, a deaedptien e1 the item yw are trntrre about. Vw do not Mve to PaV anV amain in queaticn wHe we are irwesd(ptirq h, but you are atNl adigated to pay 1ha parts of your d'F fiat are not in r}eatim. ewe inveatippeette your t}eatiro, we rarrrot report yar ae ddint~rm er takr. any amen to eegect the amain you t}reatim. i,t Spedel Rule For Credt Card Purdases If you have a problem with tie qudity o1 property er seMces tMt you purcheaed with a credt tad and you Fave tiled in good faiNt to correct the problem wFtlr the menhem, you may Faye the right rot to pay tfa remairirtg arnarn due to the preperry d aeMcee. Vau lave this prmemien eNy vvitst tNlae purdaee plea was mere flan 950.00 and the purefase was made in your home state or within 100 miles of your mailing adder. fit we own er operate the merolam, or it vve maied ynu the advenfsartem for the ProPertY or aenAcea, aA Iwrcheaes am covered regardesa ei amotm er IeraNm et ptrrhase.) Poeaae remember to sign ell oorresparderxe. 1' Onr_s rot apply to ronyrrrrl roe-credit card nemunts t Dbee rot appy fo business non-trade card acrau/ts Capital One supports information privacy PrCtttction: acs atr vvebaite at www.ccaapprultxe.cgm. Capital One is a tederelly registered aeMce mark of Capital p tat Oneal Corporeticn. A71 dghu reserved. o O~LGLBAK ta. flraas Period. Veu w(11 have a midmtm grace periat of 25 days without tiraroe Berge m new ptrrrJteaea, new belarice transfers, new spedal prxdasra and new after dtargas if you pay ytuu tad 'New Belarra', in accorderce with Nte Nnportant Notlce for paymerns below, and kr Nme for h to he credtad by yam red satemerd tioaFg date. There Ia ro grace period on cash sdvartces and special trarefere. In addition, there is ro grace period m any trertser-Pion if tmu de mt pay the ford 'New balance.' 6. Aorariy Francs tlrsga. Trarraattioro wfich are not ro a {Race period an ea~d fkarre large t) from the dale of the trermctiro a 21 from the rime the trereartion is precPaaad to yerr Atxxttnt a 3) from the fiat ralerder day of the anertt biNkr~ Addtiaally, if you rid rot PeY the 'New Balance the previara hiMkg pedal in kN, frtstra Barges txrnNne ro accnre to your repaid balance trtNl the Irpalfl baletlCe is paid in fUl. This mean the ya, mayy atW ewe fnertra Barges, even if You Pay Ne entire New BeWCe indea[ed on the frorx of your satrmsa W the re>Q snsnsm dosing date, hrx rid not do ro for the prevlttre nterrdt. Unpaid firarfce drerges are added to the tagnerx of yrxm Accatrtt. 'r c. MTitirsan Firrres .for each hillurg period that your accetrn is aa~tbh~~eel ro a Ikrarra large, a miNram total FINANCE GiAfiOE ofrq>0.50 wA beeppilimrpao~ed. Ifytohuer alit Bret (s)ale kaa than 90.50, the wiM atMnct that amoum from the 90.50 ninirnm and the dHerave MAII be baled to the purriases~ts~t of yar erxartt. t d. Terpaay Rsdrrsiorr F Fiurrss Ot>rpa. We reserve the fight to rot sasses arty a aF Branca riargea fd stV given 6iWg pedal 2 Awrags Oaiy Bslrtos fYtoaritO Nawr Plydwas). a. Finance charge is ralaiated y mtiNplying the daily helartce of oadt sagrrtera of your aanrrn (e.g., cash advance, purnhaea, apedel trerefer, and apedal punlaae) prevfeuely dadoaed m y u. A~ t~tlte e d of each leay dxktg the 6ilFrg ~, vve apply the daily periaic eta for each segment o your aornrnt ro the daily 6alerce of exh eaprrsr. Than at the end of the biMg period, we add tp tie resits of these dopy calaietlon to arrive at padodc firtsra drerge fa each ae~rtaa. We add tp the resits fmn eedr aegmas to arrive et the tool parlodc Branca drrge for yar arratrrt. To get tie dilly belartce fd astir tegnstt of yotr somas, vue take the 6egrrtYYtg belatce fa aedt eegrtem and add arty r~ ~rs~nac4~on~ and arty tktartce barge talaiet day's errs for that aopnertt. We titan atbtretx any peymnYS a rladn posted ae of that ley fiat are allocated to that aegnem. TNa glare u the sepsrete dsly belstce for eadt aegmsn of yore acratrr. However, if ytxr the New Balance eltonm m yam previas rrtaterrtss in I (or if your row balerice was zero a a credt amaint), new transaction wltklt poet to year ptarhase or apedel purdese segrnema are rot added ro tie defy belaneea. We rala/are tie avenge daffy belsce bV addng as Nte daily balartoas together sd dvidng the ears by the ntrnber of the days (n the arrera hMkg cVde. To ralaiate ytar total firers triarge, mtlNply Veur avenge daily 6elsrce by the dailype dada rete and by Ne nrrtber of days in tie hiNing period. Due to ranting ro e daily basis, Here may 6e e sligFU variarae between this celaiation sd the amours of firarce rhorge aateFy a®sead. b. Ii the code Z or N appeaB to the frail of firs atatemem reN ro 'Ralame Rate AppFrd To,' we mtRipty the 4A15M Imptxtant Notice: Your payment will be credited to your account as of the date we receive k, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. ~,n,ns~ Introducing P R ~ STARTER 2 The completely independent power source that eliminates the need for another THE BATTERY CHARGER THAT DOESN'T DEPEND vehicle or stranger, tow truck or ON ANOTHER CAR TO GIVE YOU A JUMP! dangerous jumper cables when your battery -s drained! ^ Just plug this compact unit into your cigarette lighter-within minutes start your car and you're on your way! ^ Inside this rugged unit is a sealed alkaline battery (IATA PRO STARTER 2 ALSO and DOT approved) with 5.5 amps (14.5 volts)- ~ PROVIDES 12V DC POWER! enough recharge power to start your vehicle! ~~~ ^ Great for use when at your campsite, ^ Recharging is easy-leave it cottage or on a boat or RV! plugged into your cigarette er ,~ ^ Ideal for o ratin a small television lighter for 30 to 120 minutes ~~ ~.~ ~~~~ei'1~ or mini-refn'gerator away from home! while driving~t's good as new! ~RD ~m+~me~~ ^ Compact 2%"W x B%"L x 19G'H De ~r„~~q„"'~ov"°~` ^ Run a cell phone in standby size easily stores in trunk or glove ~~~ ~°° ttlea't for up to 100 hours! compartment-for up to 5 years! ~~„~gNN~'- ^ Even power up your laptop computer! ^ Guaranteed ro work even under extreme temperatures from subzero to ~ ~ g Special Offer For 120 degrees! ~aplfalQ~• Cardholders: ~~ M Kaaa. Capita/i~y~e V[SA GOLD ACCOUNT DEC 28, 2001- JAN 27, 2002 4388-6418-2716-8845 Page 1 of 1 Account Sttmtnaty Payments, Credits and Adjustments Previous Balance 1153.38 1 17 JAN PAYMENT RECEIVED -THANK YOU 360.00- Payments, Credits and Adp~stments 360.00 Transactions =61.07 Transactions Finance Charges 32.14 2 31 DEC TURKEY HILL?A0 MECHANICSBIIRG PA 515.00 New Balance =156.59 3 02 JAN MEDIA PLAY 08181901 HARRISBURG PA 9.% Minimum Amount Thu 115.00 4 P4 JAN BOSCOV'S ;1'012 CAMP DILL PA 12.00 Payment Due Date February 27, 2002 5 23 JAN TURKEY HILL 240 MECHANICSBURG PA 16.75 Total Credit Line 3200 6 27 JAN MONTHLY MEMAF.R.SHIP FEE 6.00 Total Available Credit 343.41 7 27 JAN PAYMENT PROTECTION 1-888-527-6904 1.36 Credit Line far Cash 1200 Available Ctedit for Cash 143.41 At your service To mll Customer Relations or to report a lost or stolen ard: 1-800-903-3637 Fvr fro online acrromrt smia and speual customer offers, log on to: vnxv.capitalone.eom Send payments te: Send inquiries to: Attn: Remittance Processing Calntal One Servxrs Capsml One Servos P.O. Sox 85147 P.O. Bex 950]5 Rid~mond, VA 23276 Richmond, VA 23285-5015 Finance Chatges PJuuerareuerserufefor imfwtant information Sdmrur~i Pervade ~~g ~ a~rirdto r~r AYI! PiIRCHA.SF.S 1167.25 .0412396P 15.0596 1214 CASH 5.00 .0412396P 15.0596 X.00 ANNUAL PERCENTAGE RATE applied this period 15.05% 4936M • PLEASE RETURN PORTION BELOW WITH PAYMENT. Cap~~~~g' 0000000 0 4388641827168845 27 0156590060000015002 New Balance 1156.59 Plane print addrn rl mrgrr brloru sing blur a bla.,E ar.E Minimum Amount Due 315.00 Payment Due Dare Febtvary 27, 2002 street Apt r ~ ry swr 2;IP ~~ Total enclosed 3 Home Phone Alrernate Phone #9002725817229116# MAIL ID NLiMBER Capital One Bank DEBORAH L GRAHAM ~ 902 ALLENVIEW DR P.O. Box 85147 Richmond, VA 23276 ~ a ' MECHANICSBURG PA 17055-8604 a ~n~s~n~~ni~r~~ur~s~~u~~ur~~nr~~nr~~nr~~nr~~ur~~nr~ ° ~ ~ur~~~ns~~~nn~r~n~r~r~n~u~~u~~uu~n~~~nnr~r~n~s~~ Pleare rurite yaw aaount number on your check or money order made payable to Capital0ne Bank and mail in the enelarrd emuelope. Special Offer For ~apitallV/ LG• Cardholders! YES! Please send me the Pro Starter 2(s). I agree to pay the price plus shipping and handling indicated below. Please charge my Capital One® account. If I am not totally delighted, I may return my purchase for a prompt refund of the purchase price, including shipping and handling. If your shipping address Ls rtllfererrt from the address on your statement, please complete the brm below. All orders will t>e shipped ro the same address. Name Address Qty. Item No. Description Price Each S&H Each CM 130506 Pro Starter 2 $49.99 $5.99 Hame Phone Account Number: 4388f41&2716-8845 DEBORAH L GRAHAM 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 Cardhdder Signature Valid Doty with II Signature I aumorize Cepkal one to forward this coupon, wlwdt inGudea my axouM number br blkg purposes, on my behaN Io Urtited MerkeOrtp Group, which provides Chic prodrt. Please atiow 6~6 weeks for delivery. Offers good While supplies last. O 2002 Untied Marketing Group, P.O. Box 599, Elmhurst, IL 60126-0599. NE•1951 1/02 5&UMG Detach and return in Stab ZIP (area Code) Email Address (Enter your Email address b receive filtse aNers and rewaror.) ©2002 capital ono services. Inc. Cepsel ono is a federalN regotered aarvice mark. al dghts reserved. The merchandise featured F this brochure and tla lxodture tladf are offered by Untied Maketlng Group, an Iakpxdari oornpany apedalizing In malForder rats and na aNlNted whh Oapllel One. Capfld One does not provide, endorse a guarantee any product a service shown here. Untied Marketing Group is solely respontlbb ror this offer. By responding to this offer, you may ce oommunicaNng infonne6on about yourself to United Marketing Group woo provides this product~or examde, that you are a Cepiel One wstomer. Tv order by telephone, please call Untied Marketlng Group d a00-3N8-6661. One credit acct peytnem errvalope. g O ~ O ~ M ri r[O~~ ~ N N ppeedoek rate. To obtain tfa average dally balance for the tllMg Pedad covered by this aatrmem, we [aloe the hegmrg helartce of eaM aegttent sent day, add any new traraaetlaru to each aegn~em, and attract any ymerre or credta. pf Ira cads N appears m the tram ol~ttis autemern next io 'Balance Rate Applied Ta; we also attract any trpeid finsrtce Merge itrJttded in the helartre of each aepnaxJ The gives to the daily balance of earn aegnent. Then, we add up aN the deny belancea for each segnent br fife tilting perod and dvide by the tract rasrthar of days in the hinting pedal. This gives rot the average daily balarce of each atrgnen. 3. AarW Paea,tapa Ratr IAP1t1. a. Tla term 'Aural PerCerxaga Rate' may appear as 'APR' on the from of tiffs aetemem. b. If the code P IPrkrtel, L (3Kno. LIBOR(, C (Cerrifirate of Deposit), a S /Bankcard Prime) appear on the front of this natemem new to the pedodc ratelai, the I>adodic rates and mnesportdng ANNUAL PERCENTAGE RATES may vary quertedy acct may increase or deereeae based m the anted trtdces, as land in The welt Street Jernal, qua the margin previousy dsdosed to you. These Mama wA he effective en the first day of ytarr 6glirg period covered by your periede aretanem ending in the maxha Janary, April, Jtiy acct October. c. If the code D (Ptkne), F (1mo. LIBOFf) a G (3yrto. LIBOR Repriced MmtNy) appears an the tract of your aetanertt new to the perfodc ratelel, the periods rates and cdrreapondng ANNUAL PERCENTAGE RATES may vary monely a may increase or decrease based on the stated irtdcea, as fond in TAe Wes Street .Aovxnal, pus the margin previously dsdosed to you. These dtanges will be eHecdve m the fret deV of your dlllrq pedal eaM march. 4. Atrsaarrtrft of LaN, Uwintt ant Rahatrsd Payrrrsrt Fars. Your aconnt win he saeesaad re more flan two of the fees fisted here that arxxtr drrig arty hNMg perktd llndx the terms of your nracrrter agreerrtax, we reserve the Matt to waive a rot ro assess any fees withou qfa rtdiM•atian to yr~u wNMU waiving rxr rigfa ro assess the creme a simaer fees at a erer tire. 5.tRrrawiV Yw Assort. 1f a mem6erahip tae appeere an tfe hex of tftis statanax, yatu Fave 30 days iron the date this aaternerx wren meted ro you to avoid peyig tla fee a ro Mve etch fee eredted to yet if you tarred your eeeotrx. Udn9 Me PeMd. You ~Y mrdrate to use your acrersM wfriters lavig to pay the notlmby ralNrg Qeta~i r RaMtlme~Depannant acct pay yam Now Belarne• in fla (ewludrrg [ta merrtherahi fee> prior to tta acct of tra W rtyKlav period. B. N Vw toss tar Aooarx. Vou ran request ro rdoae yyaourr aocant by raNkg our Qrtomer Relstiorr Departmerx. Vcu naBt destroy you aedt Card(s) acct amain amass decks, ratcel aN preaatndzed burg, acct cease tatirp your emasx. If yw do not [octal praxrlxrdzed twig errengemerxa, we wiN Carfeirlar receipt of a Merge your arrtrorization to reopen yax acmrrrt. AdritiaaNy, War scram wi rot be dosed uxN ynr pay ant amanrs you owe re irtduArg: sty traaactlere Vat Mve etalnnzed, Marra drarges, pea da fees, evMirrrh free, wmrrad peyrnen Tees, rash aMarrce fees acct arty oriar fees eaeasaed ro your scram. You are reaporraNle fa tlrese ttrnaaxa wlarirar MeV appear m War arrant at the tkne you ragltea to dose rite amarn a they am irtarred staee¢ram to yrxr rer}teffi to dose the amasx. TNa may real[ fn drargea appearig m ydr rrcwrsrt abet you Mve ytxr ttcretax if h has dmedy been rJosad. For example, if ytxt atltrorized a puretrsse from a rtrardarx acct we receive the traration hen dte rrterdterx after ytxr arrant has been closed, your amain wi be redperted, the arrtarx m the darga wi be added m ytar rtrrnrc, endyou will M resperteible ter paytrarx. If there ie a mmtberahip fee for your accotnt, the fee wiN cortrirxte ro be da , to the swan IremrMed W ew, rnril tta BCmtatl rice has hear pad in fiN as dalklad above. 7. Usig Vas Asaarx.Var card or acceun carrot Ea [toed in rttrrrtectiorr with arcy forams[ gemhirg trareecdore. 8. Mottos Ahar ElasYatin Orsok Cmvaa6n. WFrerr you previda a dock ae peymen, you sulodze to eftlar to rare fnfamation from your dock to make sore-tine dectreric ftrd trerefar tram your bark arsarx or to process the paymrertt es a Mack trerrsction. Wharf we Use infametion from your Mack to make an daetroric find trerafer, firrda may be whhdrewn from ytxr barer erxetrx as soon es the same day we receive ydx peynterx, acct you wi rot receive year dxxk beck from your firertdel iatitrx)ar. BILLING RIGHTS SUMMARY Ile Case OI Enos Or Orastiana Aban Your Bile If you tF/rtk your WII is wrong, or if you reed more intermarim on a uartsacricn or bill, write to u m a separate sheet as soon as poeAhle at the address fa irfgtidea altetsar en the tract[ of tNa atatemem. We [octet hear from you ro later tfan 60 dayyss after we son Wu the fiM hill on wflM Me error or pradem appeared Vou ten call cur Crstamer Ralatiata rxsnher, hrtt ddng so wi rem Prey tar rights. M you letter, give us the tdlovvirg intemtarim~ year tame acct eerarnt ember, the dollar amarx of tla atrepeeted error, a description of the error acct an exdaratlm, if poseide, of why you helieva [fare is an error; or ii you need mare informatlan, a deacdptim of the hem you am utaae a6aa. Veu do rot Mve to Pet anV amarx in gtaarim w}lle we are investigating h, but you are atNl ahliveted to pay the parts of you h'll tMt are not in question. a vve nveadgete your queaian, vve Carstot report you ea delit[Natt a take any actlm to txiect the amarn you questim. 1,'t Special Rule Fa Cradt Card Purcharea If you have a prehlem wfM tfa quality of property or services list you ptxdased wiM a tract[ card and you Fave fried in geed Ghfr m censer the problem with the merdam, you may have tla right cal to pay the remaiing amour[ due en the property a aereicea. Vou have this protection only wlan 1Fre purchase price was more rtan 950.00 and the purMeae was made In ycur home state or wthin 100 miles of your mdNng addreae. (It we awn or operate the merdam, er if wre mailed you rte adverlistanent br the p rtY or services, a1 purchases are covered regerdeaa of emorrx or ktcation eT prrdase.) Please remember to sign aN carrespandare. ' f' Does rot ePplY ro cnnsrurar non-credit card accents 3 Oors not appty ro bufvirs9 ran-credit rant acryvnts One supports infomtarian privacy prrnertim: see our 91 WWW.Caepplelme.cem. One is a tederdly red service mark of Caphal social Corporation. aln¢na reserved. a 2003 Ora 01LGLBAK 1. Norar To Avid A Firrtos Orrpa. ta. Orris Period. Ycu will Mve a rrlrlmtm grace period of 25 days wittrat titerrce large an new purchases, raw belatce trarafen, raw stpedel prrchases acct raw ether rhergas if Yau pet ytxr total 'New Blare", n ecmrderrce whh the Important Notice for psymerNa below, std in time for k to 6e credted by your rew amrxrant dodng doe. These ~ ro pmts period M cash edvertces a1d apetld trerafera. kr addition, them is re grece period m arty trertsectien if you do rot pay the tad 'New baenoe.' b. Aaouiq Fivres CJt=ya. Transactions wtiM are not atjart ro a grace period era seeaered Martce drarge 11 from the dine of the traraardan a 2) from the date the treraection is precesaM to yntr Areant a 3) from tfa first ralerdar day of the nrrerx hiMin~ period. Addtimdly, if you did rot pay the 'New Belertce (ram the previats biaig pedtd in fiN, fxart® drargee carftirtrte to erxme ro your updd bdartce unll the trrpeM faience a paid in fill. This mrtame that you me aria owe Mtarre Merges, even if Vat PaV the entire New Belav~ ktdeeted m the fray of your aatenrax W the next ststemerx ttlosing doe, but did not do so for the prevWua morxh. lJrpdd Marra Merges are added to the sapnent of yar Amasx. tc. Mirirnrrt Effaces .For eeM hiirg period that r amnsY is act ro a Marra Me to l RNANCE 17r1peRGE ofn9p0.50 wiM beeimposed. fI twhue pododc Bret tai is less lfan 80 0, wre~rect [talc amaax from the 9D.50 miNmtm acrd the dfferarroa wiN M hied to the purrfieae bran of aa»tnt. t d. Tsrrpaary Rsdaxisn in Effaces orsrya We reserve the dglx ro not assa® soy or eN Manse chergss for any given MIWtg paxod 2. Avsrsps Daily BaWres Ik+aaaro+0 Nrw Rrdaasi. a. France Marge Is calctteted y mtlridylrg rte daily belarce of sect[ stsgoen of your smarx le.g., cash advance, purdrere, apedd tra8fer, acct Medal prxdase) by the mrmaporrdrg daily pedodc rate(s) that has been previaMy dsrlread ro you At the acct of eadr day Arkg the niakg period, we apply tla petiodc rete for each sttgrnax of you aooaart ro theddss~lNyy 6elstce of sent aeAtterlt. Then et the acct of the hiirtg period, we add tp the rearhs of [lase daNy celalatidro to eMve a ytxr perkxfc Marra Marge for rant sagrtax. We add tp the reaps from each segmen to emve et the told pedaJic firertrb charge fa your acmtnt. To gd the deity belertce ror eaM aegttertt of your arrazx, we take the beAmkg belertce for each aegrrtax artd add aernryy raw treraacriorrs tad ary ppsedoric ttrterrce dtetge celctieted rn the preNaus days lalersa ror flat aegrnax. We than arttmct a'V peymaxs a credts posted es of that day drat are agorated to that sagnent. This gives ce the separate daily balance for earn segrrerx of your sornrrt. However, if you paid the New Balertce shown m yrxx prevlotat are[emerx kr fill (or if your rew balerxte was zero a a tract[ arrtorrrtl, new treraectiora wHM poet m your purdase a apedd purdrese segrena ere tot added ro the daay balances. We cekylate the average daay balax~e by addrg eN the daily 6alerrcee tagahar acct dvidng the sun by the nm6er of tfa days In the arrarx hlNkg eyrie. To relnlare your teal Nretrce trier9s, a~dY tar average daNy beWrce bV the daily perlode ate acct bV the nsnber of days in the burg period bus to rtxrrdrrg m a daily beats, tfare may M e srigft vadarce balvvam Min relltaiatim acrd the amour of firarrce charge scnaNy aeaesaed. b. If the code Z a N appear m tfa ban of this aafanem red m 'Bderre Rate Apdiad Tn,' cafe ralridy the 4936M Important IYotioe: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received an a business day by 3:00 p.m. PT. Phase albw at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 54250002 24-KT. PLATINUM-PLATED Fox Magnetic Bracelet WITH COPPER Magnetic therapy is said ro ... • Increase energy • Relieve pain • Accelerant healing Please send me ~ 7 'h" andlor 9" Magnetic Bracelet(s) for ; plus $3.95 shipping and handling for each, and send to the address shown. Please charge my Capital One• account number: 4388-641&2716-884a I auttsorize Capital one to toward this capon, wtrch ineWdes my aexouM number for biging purposes, DEBORAH L GRAHAM on my beheH,o the company rust provides this product. 902 ALLENVIEW DR Signature MECHANICSBURG PA 17055-8604 (Valid only with full signature) 299141 Detach at perforation and return in your remittance envelope. Capital ~G • VISA GOLD ACCOUNT 4388-6418-2716-8845 Account Previous Balance 5156.59 Payments, Credits and Ad ptstments ;20.00 _ Transactions (48.43 Finance Charges ;2.47 New Balance 5187.99 Minimum Amount Due 115.00 Payment Due Date March 27, 2002 Total Credit Line 3200 Total Available Credit 312.01 Credit Line for Cash ;200 Available Credit for Cash ;12.01 At your service To es- Customer Relations or to report a lost or stolen card: 1-800-903-3637 For frae online accoaot service and spexial automa offer, log on to: www.eapimlone:mm Send payments to: Send inquiries to: Attre Remittance Pmeessing Capirol One Services Cappstal One Services P.O. Roz 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5075 4520M Paymenm, Ctedifg and Adjustments JAN 28 -FEB 27, 2002 Page 1 of 1 ] 23 FEB PAYMENT RECEIVED -THANK YOU ;20.00- Ttattsactions 2 28 JAN SHEETZ #1201 MECHANICBURG PA ;16.00 3 28 JAN USPS 4134870055 MECHANICSBURG PA 5.29 4 Ol FEB A C MOORE #013 HARRISBURG PA 20.00 5 27 FEB MONTHLY MEMBERSHIP FEE 6.00 6 27 FEB PAYMENT PROTECTION i-888-527-6904 1.64 Finance Charges Pkarara reverrctidtfor important information Bdmenrafe Parader ~.,rppa g gpplirdto ,~. APR PURCHASES 1193.46 .0412l96P 15.Q596 1247 CASH 5.00 .04123%P 15.Q996 5.00 ANNUAL PERCENTAGE RATE applied this period 15.05% • PLF.ASF. RFTfIRN PORTION RF.f.OW WITH PAYMENT. Capitalipn~• 0000000 0 4388641827168845 27 0187990020000015006 New Balance ;]87.99 Minimum Amount Due ;15.00 Payment Due Date March 27, 2002 Total enclosed S A'im~r print addrsr chmigrs brlou, sing bloc or black vrl: Strut City Sra~e Home Phone Alaernam Phone #9005925817229119# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Box 65147 0 r_ 902 ALLENVIEW DR Richmond, VA 23276 ~ ~ MECHANICSBURG PA 17055-8604 a IIIII IIIIIIIIIIIIIIIIIIIIIIIII IIIII IIIIIIIIII IIIIIIIIIIIIIIIII ~ IIIIIII~ IIII III III IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII IIIIIIII IIIIIIIIIII Pleare vurite yarn amount ntnnber an yotn d.~eck m money order made payable to(a~ital One Bank and mail in tJx enclaud envelope. Ape x ZIP r Great look and feel ... 24-KT. PLATINUM-PLATED Magnetic Bracelets u WITH COPPER 2"heory of Magnetic Healing- It is said that the magnetic field attracts and repels charged particles in the blood, creating movement and heat. Many believe this process helps accelerate healing. Hafee you heard.- Magnetic therapy is used by sports professionals worldwide! silver-tone alloy ~ pplated with 24-Kr. platintnn Magnetic therapy ~"( to used by sports profeasiptmis worldwide Poeverfid 1$00+ gauze magnets Distinaive linlt aeaign with grntrjne platinum-plated finish Choia of 7.5" or 9" Gnk designs ed r both men and ~ ~ vromrn •Subject w credit approval. DfN and IL residents add applicable sales tax. Please allow 3-S weeks for delivery. Offer expires in 90 days. ~~~ ~~You must be completely satisfied with your Magnetic Bracelet(s) or re[rrrn it within 30 days for your money balk. The merchandise fesmred in this offer is offered by J-o Direct, Inc., which is solely responsible for the pmdat. J-O Dirccr, Inc., 7500 Bzcelsior Blvd., St Louis Park, MN 55426-4519 is nor affiliated with Gpitel One and is solely responsible for its pmducu and setvitta Caution: Not fur use by individuals fitted with csrdiac pacemakers, intcroal drfibrillaron and/or pregnant women. Nehing in This coupon should be taken as an express or implied claim regarding the medical or health impact of this product. ®2002 Capital One Services, Int. Cspitxl One is x Federally registered service mark. All rights reserved. 8 O O ro N N periadc rate. To drain tie average daily belartce for the tilling pedpd covered by this tnatemalt, we fake the begimng balance of eats segnan eaeh day, add any new varaeetlons fo eats segment, aM atbtreet any payments a eredts. (If the code N appearo m the fiari of this natemart real to 'Balarxx+ Rafe Applied Tp,' vve also athtrect any repaid Nrartce dserge irxltrded in tie balance of eatlt ae(/natt.) TNs 4vrn ce ttte daily belartce of earn aegmertt. Tfwn we add up aq the daNyy balances for earn aegnatt for the billing period and dvide by the tmal rssnher ai days in the hilgng period. This gives u the average daily halartce of earn aepnem. 3. AmtrY Mroatapa Raps IAPRI. e. The tam 'ArcxrN Parrentage Rate' may appear es 'APR' on the tram of ilia elatemem. b. If the code P (Prime), L (3-mo. URORy, C (Cerdfrate of Depoat), or S (Bankcem Prime) appear an the lrartt of Chia atatemerrt next to the periedc rate(s), the peddle rates aM eorreapordng ANNUAL PERCENTAGE RATFS may vary queneriy aM may kscrease or eiecreeae based an the stated fndoea, as loud in The Wad Street Jaruna/, plus the margin DDrevkuely dadoaed to you. Tteae dtargea WN fie efkcrive an the firer day of your billing period covered by ypur periods atatematt erring in the mamba Jaaary, April, July aM October. c. If the mile D (Primal, F (1 yrto. LIBOR) or 6 (3+rto. UBOR Repriced MantHy) appearo an the irartt pt your autemerrt nee to the pedadc rmep), the pedodc rates aM correapaxfng ANNUAL PERCENTAGE RATES may vary memHy and may inereaae or deereeae based m the stated maces, as land in TAe Wad street .Aotnsel, qua the margin preslpulV dadosed to you. TFteee dtanges vNll be efkcrive an the Neat day of yotw Nlgng period eats mersth. 4. Attmsntrtt atf Lank, Ovarintt aril Rabntsd Prymrt Fans. Your nccetrs wi he asaeued ro more then two of the Teets listed Fare that omx tiwkg arty biMg Period. Under tie terrre of your atattmor agretsrrers, we reserve tie right to waive or rot ro assess any fees vsithet prior rtorifiration to Wu wldnrw welvkg par rigftt m assess the same or arrtNar fees d a later date. 5.tRatnwitp You Aosast. If a mentberellp foe appears en the front of rile statement, you Mve 30 days from the date this aretemtm was rneNed to yet to Avnl(1 peyfrg the fee Or to IaNe arts fee cledfed 20 yar if you ursoel yew accent. Gwkg mis period, you may cerxkse ro tee yaw amuaY vsldtaw lavkg to pay tie mentberelip fee. To carscel yotw accetwrt, you tram ratify ra by tairtg our (]letoarer I)eletiore Depermsatt std pay ynr New Belarsce'n aril lesaltrdrg the mtmfretahip tae) Prior ro tfa eM of the tHrty-t1aY P~d~ 6. N Yeu C6ss Yes Aoeast. You ran regtrea to dose yyaaww aenul by taM'irg our Qtaomer Reladare [lepertmerx. Vou moat tfearoy your credt card(s) aM atxasrn atxxtsa titerJta, rarscel all preattdnrized burg, aM tease uaing_yaw aocetes. If yet do rot rarsod prealfadzed arratgatvawa, we wi txateidar receipt of a dtarga yaw atwleritadat ro reopen yyaotl~r accawrt. Addtiaragy, ytsw eased wW rot he rJoaed uxN ytx, pay aN amarss Vat ovae us ktdtrdrtg: troy trereecbere yea have artttsdzed, arena dterges, peat rite Taos, overGnit fees, reamed paymad fees, reels advarxe lees aM eery other fees aaaeeaed to yaw arrant. You are reapprstible for tlteae amass vNeder they appear m yaw accetnt at the time you retitreat to deae the erretm d they ere imwtad a6se4ras to your re¢ea ro dose the aecatws. This may real[ let charges appearkg m your a[aatwd afar ypu have yotw apretws If 8 has dready been tloaed. for exenple, if ye, atrthnrized a ptwtlaee from a nattier aril we rtvoaive the trereacdon from rise merrJtas after your acce[rs free been dpaed, your accput[ wi be rttapaed, the errtam of rise rltargs vlN be added to year erxntm, aM yar~P ~ raspnrrHepaymer~lf~ to ices ere ro be Utargad, to the eaten pemtitted W law, trwN tie aoceslt sere free beat pad in fit as defined above. 7. Uaiq Vat Asasut.Veur card or exam ranwr he teed in cenecticrt with any irsema gemhNrtg trerearliorta. R. rlaase A4at Elsntrsrtio t7tsok Oartusrs'vt. When you provide a aleck as peymertl, you atlfnrize to eider to use information tram your dseck ro make a sere-tlme drtctraic find trerefer from ytsr 6ertk eocant or to process the peymas es a daek treraeetim. When we tee information from your Mack ro make an electronic feed trortsler, fade maY fie wfridrawn from ytxw frank etxars as soon es the same day we ntceive ydm peymers, aM you wNl rot receive your Meek beck from your fksertdel irtsri[taion. BILLING RIGHTS SUMMARY pn Case Of Enoro Or Qteniarr Abotd Your Rile If you [fink your hill is wrong, err It you need mom Infammdon an a trarseactian err HN, write to u m a aeperete ahem as aom ea peesible at the address for ingtiriea tdnvn an the from of ttla reamer. We must hear from you ro later than e0 dayyse after we sent you tie first dq on vvitirh the error or problem appeared. Vpu can call tsw Crtatamer Relatlans rxm6er, but doing rte vri rat preserve year ngMS. In you letter, give ce the tollowirsg inbmtaian• yaw name aM accord nsnber, tlse ddlar amasw of the atrapected error, a deacripdm of the error aM an expfanatim, If poaelbk, of why you bdleve there la an error; or it you treed mate imemtatien, a descriptim m the item you are tenure about. Vau do not have to PeV anV amoud in question v[file we are investigating It, but you are ni ahggeted tp pav tla pane of yow U'll rtat are rot in gtsstion. a use Investloate your gtteatim, we tarter repan you as ddinquem or take any action to rxileef the amarn yet [~testien. 1,'r Speaal Rule for Credt Card Purchases 11 you have a problem with the gttelitV of P''oPMY er aeMcea that you purdased wdh a credt urd aM you lave tiled in geed faith to cerracf tie probkrrt with tlo merrlam, you may have the rigid not to pry Nor remairing amaum due an the property a sartlcea. Vou have 1Na pretectian aNy wren the purdaee price was mare rtan 950.00 aM rise purMase ores made in your frame rate or witNn 100 relies of your maitg address. (11 we own or operate tree merdam, or if we magad you the adverfieemem for the property or aervwxa, aN purMasea are covered regardesa ai amaun or Ixaaon o1 prwdase.) Please remember 10 sign 811 mrrespardarre. 1- Oars rat app/y ro constmer /wn-rledfl rand ecmrusts i Oep_v mr apply re dxsixas ran-uedit card accorwts Capital One tslpporta information privacy protection: see our eat www.captalare.can. Capital One is a federally rapiatared service mark of Capital One Fwerwial Corporalien. AU rfgMa reaervcd. 0 2003 Capital One Ot LGLBAK 1. Fiatw To Avid A Fitrtaa rites. t' a. Oraa Period. Vtw vsiq have a mirtimun grace period of 25 days without flrtertce de m raw purdsases, new bdatoe transfers, rew apedal ptadwsrn aM new other tlar~ if Yott PeY Your teal 'New Referee', in arrerdertce with the knportant Notice far paynterss bebw, aM in time fa k ro he cradled bV your rtma aattsrsax doting date. i)tete is ro Qsce period on rash edvartoas aM trerefere. kt adddort, there is ro grata petits m sty trarear.Yion if yea t1o rot pay the total 'New 6elenoe.' b. Aaotita Fivtc. Cltaya. Trareectiem vdridr are rot subject ro a 9roce period are eaeeaead fktertce tla~ 1Y from the date of the troreaction or 2) fear the rime the traeactien is procgseetf to year Atrarn or 31 from the first rdeMsr day of the nwrertt 6iNktp per{od Addtiortdly, if you did rql DaV the 'New Balarsce from the previaB bggtsg period in ftN, fktartce Merges cerlkste to scene ro yax upeid bNSra~ tatW tfte repaid bslertce is geld in fUl. 17ss meare tMt yar msy ~taiN owe fewtoe tYtarges, even if Yro PaY rite atom New 8afertee indrated m the front of yotu aatensast W the next statemens doskg date, but did not tfo so for the prevfan morst~ Urpald flrerse Merges are added to tie segment of your Aocant. t c. Nartiraan Fivrtea Far eats !>rNrtg periM tltat yaw aexntrtt is aarject m a fksare [large, a mktkam told FNANCE CHARGE of 90.50 wi be kttPoaed If the torol Nrertce rh~rge residnp item the appNce of your periods rete(a) h lase tftart 90.50, wa eviN a6 rata that entottn lean the SD.50 wtirtktttm end the dfferarra wiN he hied ro the ptrmisase segment of yar a[rataY. td. Tarpasry Rariaaam in Rtt>tto. Ot~ga. We retterve the right to rot eaaeee arty or aN finerszs charges (or any given ItNNrq ppeeri~od. 2. Awrspa aW aalsrtoa Ikso/aitp Nwt NeMasssl. a. Rnersce dterge is ealeaated 6y mttlaplyMg the daily belsrtce oT esM segnen of your amasrt le.g., rash adverse, purdsa®, apedal transfer, aM apadd ptxrleael by Ute d~Y P estate) [tat has been previarely derJeaad to ytu At the eM of astir der the biNkg period, wa apply de daNy pedodc rote !or eecfi segnen of your arrant ro the dail)r balatce of pad[ segrtatt. Then at the and of tie bilkrg Period, we add tp tie resits of tfteae dilly ralaletiprte to emus n your periodic frerre charge for eerie referee. We add tp tM restita teem eats Bagmen to arrive at the ford periods finarsce Marge for yar arrant. To ga the tfelly 6elertce for astir sagnras of yaw starter, wa take the bagitstksg balance for eats tegmas artd add arrttytr new trereactiee aril any ppeeriods flrtertce Merge taltaieted an tie prevfotta deyrs baance for flat sepsten. we ran athtract any peymass a credro posted es of tier day tfa[ are dlorated to that siapttertt. This gives tr the sapsrote ebgy belertce for eadt segrtas of your accotnt. However, if you pad the New Bslarsoe eltown m you previote atetertars fn all for If your raw balarsce was taro or a credt arnasdl, rxwv traeectiere whits pea to yaw ptrrltase or apadel purdsese sagrartts ate not added ro the daffy balances. We cakylsre tie average deNV balatoe by addng eN tie daily balances togetfer aM dvidrg the tam by rite amber of the days in lie arrears berg eyrie. To ralaiete ytsur total finerse charge, nslriply Mar average daNy belanoe lay the defy perfede rate aM by the ember of days in the tiNktg period. Due ro rawsdrsg m a dilly basis, there may he e aNgFtt variance between dtis ralalatian aM the amour of firarsxr rlarpe etxttaNy asaeaeed. 6. It the code Z or N appears m the from of this atateman text ro 'Relents Reta Appied 70,' we mtltiply the 4520M Important Notice: Your payment will ba credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. DEBORAH L GRAHAM, YOU COULD SAVE UP TO $400 54490()-0, ON AUTO INSURANCE WITH ONE PHONE CALL See reverse for details ~ Capital Qj~' vlsA GOLD ACCOUNT 4388-6418-2716-8845 Account Previous Balance 1187.99 Payments, Credits and Adjustments 120.00 Transactions 12036 Finance Charges 52.29 New Balance 5190.64 Minimum Amount Due 515.00 Payment Due Date Apri127, 2002 Total Credit Line 5200 Total Available Credit 19.36 Credit Line far Cash 5200 Available Credit far Cash 39.36 At your service To call Cuztemer Rdatiens er to report x lost er srolrn aged: 1-800-903-3637 For fro online actoum setvia and special astomex offers, log on to: www.npimlonemm Send payments to: Send inquiries to: Attn: Remittsna Processing Capital One Barites Capital One Services P.O. Bo: x5147 P.O. Box fl50t5 Richmond, VA 21276 Richmond, VA 232x5-50]5 Important Account Information IMPORTANT INFORMATION: Please see the new section, "Temporary Reduction in Finance Charge," on the reverse far important information regarding your account with Capital One. 4682M FEB 28 -MAR 27, 2002 Page 1 of 1 Payments, Credits and Adjustments 1 23 MAR PAYMENT RECEIVED -THANK YOU 520.00- Transactions 2 Ol MAR TURKEY HILL 240 MECHANICSBURG PA =12.70 3 27 MAR MONTHLY MEMBERSHIP FEE 6.00 4 27 MAR PAYMENT PROTECTION 1-888-527-6904 1.66 Auto Rental Insurance'- Receive auto rental coverage az no cost for damage due to collision or the$+ Warranty Manager'- Atrtomatuxlly doubles manufacnua's written U.S. repair warranty up to one year on warranties of three years or less. Register your purchases by phone or online. 'Certain restrictions and conditions apply. +Effective 3/01/02, losses as a result of foe, hail, hghtntng, flood, or other weather-related causes are covered. Go to www.visa.comlbenefits or call 1-800-595-9928 now for complete benefit information. Finance ChatFes Plcarcia reaxrJerrdrfor important information Batantr rnfi Pmadr o~ g C ~• aiePtirdte r~r i1PR PURCHASES 1197.99 .0412396P 15.11596 22.29 CASH X00 .04123%P 15.05% >{.00 ANNUAL PERCENTAGE RATE applied this period • PLEASE RETURN POR'T'ION BELOW WITH PAYMENT. CapilalQt~' 0000000 0 4388641827168845 27 0190640020000015002 New Balance 3190.64 Minirnum Amount Due 315.00 Payment Due Date Apri127, 2002 Total enclosed i Gry Stave Home Phone Altmute Phone ~ #9008725817229110# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Box 85147 r ® 902 ALLENVIEW DR m MECHANICSBURG PA 17055-8604 Richmond, VA 23276 a ~tt~t~n~~tn~t~~tn~t~~tt~~ut~~nt~~ttt~~tn~~nt~~tu~~ut~ ° ~ ~ut~~~ut~~~un~t~n~t~s~n~u~~n~~uu~n~~~nnt~t~u~t~~ Plrare ratite you account number rm yenv c1 wrf rn money mdn made payable to 'C~ital One Ban.F and nsail in the erecJnced en~uelo~c R'rarr p;w addr~r.langrs &loru arinebtar or bta,E i~ 15.05% SmYc ~~ 7.TP r DEBORAH L GRAHAM, A few minutes of your time could be worth up to $400: Call Progressive today at 8 b o ~ O m N N (Please mentan Key Code P'300 ) Inwrence produda ere provided and underwdtlen by, and are Nis exdueive obligatlon d Pray. American Ina. Co., Prog. AutoPm Ma. Co., Prop. Casualty Ins. Co., Prop. Classk: Ina. Co., Prop. CourNy Mutual Ins. Co., Prog. Halcyon Ins. Co., Prog. HawaX Ina. Corp.. ProgresaNe MereNwn Ins. Co., Prog. Max Ins. Co., Prop. Midtigen Ins. Co., Prop. Moumain Ins. Co., Prop. Mountain Laurel Ins. Ca., Prog. Nottleeslem Ire. Co., Prog. Noraem Ina. Co., Prog. Nonhweetem Ins. Co., Prop. Pabveme Ina. Co., frog. Pretexed Ire. Co., Prog. Security Ire. Co., Prog. Spadelly Ina. Co., Prog. Walt Ina. Co. HeadqueAered in Mayfield Village, tel. Not eveilaMe in 811 states or SlhlatlOna. Insurance products are na Capael Orta• proauds and are {tot coated W Captal one a q' any d Xs affiliates, except where eppkeeble try capital One tnaurertce Agency. 5petlric restores end optbne may vary and may not m weilable in ax states. Applicants are individually underwritten and some individuWa may not Quaxy. Your dadabn to purchase insurance and your choice d an 'vwurer a agent will have ra eflecl on your eXpibiiy for arty Capital One product or service. INSURANCE PRODUCTS ARE NOT DEPOSITS, NOT FDIC INSURED, NOT INSURED BV ANV FEDERAL GOVERNMENT AGENCY AND NOT GUARANTEED BV CAPITAL ONE. to see if you could save! ' Rea valence based on annualized compadaon rates calculated by Progressive on calla roceived from 8!7/07-1281!01 (excludkrg veAencea greater then 51000). Rates ono actual savings wXl vary basso on tlrNkrg recoM, vehicle, address and other faclore. By responding tD tlis Dlfer, You may m cemmunicatinp imerrrtaNan about yoursea to the company that provides this product-ta example, that you ere a Capital One aaetomer. 02002 Capital One services, Inc. capital one is a faderexy regiatmed trademark. All dphta reserved. P/90GREll/UEa AUTO /NSURANCE peAodc rate. To oMain the average daNy mlartce for the billing peAod covered by the tttatemern, we take the hegimng balance of salt aegrnatt red, day, add any new irertaectioro to each segn~em, and arinract any payments or credta. pt the code N appears on the front of tiro sutemam next to 'Balance Rata Applied To; ve also at6trect any trpeld Nrertce large erduded In the balance of eaM aepnem) The glues ua the dsXy balance of astir aux. Then, we add up ax 1Fre dory balances ter eArlr aegnem for the bilxng ppeeAod and dvide by the teal rxrtther o/ days in the bixing period. This gives ua the average daily mlarxxa of each aegnem. 3. Amyl Pareantaga Ratae IAPRI. a. Tm tern 'AmtrM PerraYage Rate' may appear e9 APR' on tin from of this statement. b. If the code P (Prkrte), L (3-mo. LIBOR), C (Certificate of Depeeil), or S (Benkrard PAne) appears an tie hart of this atatemerA neM to the peAadc totals), the peAodc rates ant comespadnp ANNl1AL PERCENTAGE RATES may vary querteAy ant may kterease or decrmx based on tin stated ktdcea, ea land in The Wall Street Jams/, plan tie margkt pnvfady dedoeed tD you. These dtery>ea w111 he eHectlve an the first day of yax tilling pedal covered 6y yax peAade natemem ertdng in the martlw January, ApAI, JWy and October. c. If tie code D (Prints), F (lyrro. LIBOR) a G (3yrto. LIBOR Repriced Matlliy) appeare m the lrertt ei your ateternatt ran to the padafc rotate), the periodc rotes and corregiandng ANNUAL PERCENTAGE RATES may vary manlHy and may kterease a decrease based m the stated indtxas, as fond In The WeN Streei Jana!, due the margin previrxalV dadoeed to ytxa. T)eae danger WII m efteclive M lie Nrst daV Of Yaw tlIIMg peAod earn mmfh. 4. Aspamrt of Leta, OvrNrrllt aril Radarad fhymrs Fsss. Yow accolrs wiN m aa.eaaed ro mac then two of the fees Noted here [fat ocar rrrktp arty hilxng period. lJrtdar the terms of yar ara[enter epaerrterx, wa reserve the Agftt to waive or rot to assess arty fees whhas orb{ roANratidn to ynu aaitltax tneivirtp cur Apt[ to assess the same a similar fees M a Mter torte. 5.'tRsrtswirtp Yar Aoeaxtt. If a memhereWp fee appears m the tram of this ataterrtax, you rove 30 days tram tin date ttls aratanax was mailed to you to avoid peylnp the fee a to rove suit tea credted to you if you rand yew aorntrtt. Olrktg Ara period, you may cerrNnte to use your axant wltltat mvirg to pay the ntattherelip tea To rsrtrd ytxx amarrt, you Drat ratify us by rdNnp our Uetonar Rdatiats Department aril pay New Balance' in hit letahrdrtg rite ntart6ers a~'(ixfee) P~ to the aN of the thirtV-dsV Fe~~ B. M You CIA { Yar Aomrd. Vou ran re¢aest to dose yyaaxx aanlnt by rsNktN our Glaxonter Relatioro nepertmertt. YDU must dearoy your tmsdt tbrd(s) aril amarx areas decks, cancel aN pramttltodzed hilirg, aril Deese ~~!~Q~~yar amarA. If you do rat rand fxeauAndzeo amg artanpantaxs,, we wM caraider receipt of a large yerr arilnrfzenm to reopen yar arrant. AddtiaaNy, yet. amwtt vtXll rot m dosed tntN You PA V M amouaa You owe u krittdng: arty treraectiora you rove atxlnAzed, titarra dargm, pas[ dw fees, eveAkltN fees, renlrrted payment fens, colt advance Teas aril arty odor Teas asaesaed to your aocarrt. You are reeportaible for 11aae errtolnrs wiredrer they appear m your acoant rn the time Vttu req.terx to dose tin eooartt or they are irttxxted ralbeeglen m year regtnat to dose ate amarx. This rosy rash n dargea aprraerkg an year acme after Vat nitre your Amara if k hoe dready been dosed. For atmmple, if you atlthodzed a purtiaee from a mercmnt aril we receive the traraecden fiom the merdwt attar Vt><tr aoarnt has Veen dosed, ytxx exam wlx m reopened, dte arttartt of the dtarige wNl m added to yerx eocarx, aril you wNl m ragtaaiie for peynerx. If there fe a membardtlp tae for your aocetn, de fee vMM certtktlta to m cher[~d, to the stoats pemxtted by law, urci the eoeant rtes has been pad in hit as defired atxwe. ~. Uaig Vox Aooant.Vax card or oasts camot 6e n cerxtectiort whh arty ircemat gemhlirg tranescdar. 8. Woaes A6at Elsa6ortis CJtask Lbrvwaar. When you povide a dteck ea peyrrterc, you elxlnAza ua erdter to use infennetien from yew deck mmake sots-tkra dectrorrc ftrd transfer from your bsrNc amartt a to goceea the psyrrtar[ as a deck trereaction. When vve rse ktlameticn from your deck to make art deCtreriC ttrd trerafer, finds may m widdrawn from ytxx Hank axartt ea seen es ate acme ley we reraive yax psymem, ant you wNl not receive yolx deck beck from your firrartlal irtatittaiat. BILLING RIGHTS SUMMARY Iln Case QI Errors Or Oleniore Abax Vour FfiH) If Vou [fink ywr hill Is wrong, or if ynu {teed more informadar m a trartaartiat or bill, write to u m a separate slam ae soon ea possNre at the address for irtpiAes afnwt en the tram of this tnatemem. We must hear tnorrt you ro later than BO dayyse after we sem yen the first tlll m vttidt tin error or probem appeared. you can call wr Cutomer RelaAorta nrrtber, but daktp sD vJN net Preserve yeti Ad»s. h ytxx letter, glue ue the ldlewirtp inbxnstian: your name ant accarA number, tin dtlMr amain of the suapeeted error, a deaeAptren e1 tin error and an exdareNon, i1 possible, of why you believe there is an error; ar i1 you need more inbmtatron, a deecdpdon of the hem yw are !tetra aban. you do rot Mte to ray any amainn in Question whNe we are Mveati It, Ixlt you are atiN dhxgned to pay tin parts of yax bit [fat are Hat in QmAm. Whxe vwa investpeto your ¢tesrian, we carrot report you as delirt¢tertt er take any a[.Yien to cleat the amolrrt Veu rax'stion. S,t Spedal FiWe For Credt Cam Purcfases 11 you rove a protlem with tin l}aelity of Property or services trot you purdaaed with a credt card and you Mtre tiled M good faith to correct tin problem with tin merdwn, you may have tie right rot to pay tin remaining amarx due m tin prepeAy a aeMrbs. you rove this protectim asyy w/an tin pudase pAsa was more torn 950.00 aril tie ptmiuae was made in yaw home Hate a within 100 mNes of your maiNnp address. 111 we own or operate tin mertitam, or if we mailed you tin adverASernertt br tin progeny or aerviees, ax pardwses are covered regerdesm of amorrrt or location o1 ptxeMse.) Please rentertther to sign all eorreaportdertce. t floes rot apply b rrmsrmer non-credit card ecrants 3 Does not appy to bussaess non-rfedit cad accorras One atpporta inftxrrtatim privacy protection: see our ~ at www.caratlorre.can. One is a federally regatered service mark of Capital ertdal Corporation. AN rlgMa reserved. 0 2003 One Ol LOLB.AK 1. Ilvlr To AwH A Ferrtos CJtrya. ta. @aos Period. Yau will rove a m'rrmun grace pedod of 25 days without firtertce large en new purchases. rew balance trortsfere, rew spade! plrlasas ertd new other ltargBS if Vou PA Y YDV totd 'New Balance', in acmrdartea whh the fmporterx W~ for peymrart[s bebw, aril et tens for h to m credited bV your rtetd sttttenterx rirtekg date. Torre tl ro grace pedod en rash edvertres end spats! trerriere. In addtion, them is ro $rece period m arty trereactien if you dD rte pay the total New mlartce.' b. Aoaritg FnstA S ~'W. Trartaectiore which are not rthject to a grace period am asssaaed firtertce large 11 from dte data of tin trarralien a 2) from the date dte treraectien is processed to your Arrant a 3) fran the first rderder ley of the arrant hiNktp Pedod Addtiaally, if you did roi DeY the 'Wow Belartce from the previae hiYirtg pedod in flN, fxartoe charges txrrinte to arrltte to vox unpaid belartrE utNl the trtpeid belartra is pad in tut. This inserts that ydu_meyBds[iN owe frartce ritergea, even if y~atr~stetamant by the rext ateterrerY ttioextg [date, hutodd not do so for the prevfata mttrtrh. Unpaid Iktarta largos are added m the aegnertt of yow Amara. t c. hNrirraxn Fkrates .for tad, tlllirrg period trot your acceutt is~b~ct ro a artertce darye, a mkinun total RNANCE diAAGE of 10.50 wNl m Mnpoead. If the total arterrce dterge re~Mr~ from ttte eppNraHen of ynrr periedc rate(s) is less tlan 80.50, wa wiN aWtraa tlat amars fiom the 90.60 nitinam and the dfferertce wiN m 6NIed to the purdtase of your amwtt. t d. Tstttpvary Radrelian in f CJrga. We reserve the Aght to nor assess any or N ArrertrB dwrgas for any given blNktN Padod. Y~a~r~ _ 2. e. Rr~ience~dterg~e Is~ra mated by rrx/t~ draaas~ ~dV mlertce of each seArtent of your amarx (e.g., rash edvaltoe, pun>fase, spedM [renefer, end spade! plrlase) by the certesPatdktN daW Padndc !stets/ that ma mat prevhaiV dadosed to you. At the aril of each day d<sktg rte biNirq vve apply the dexy perlodc rate for each aBgfnax DT yell{ aOGala t0 tin t~ly VaIar1C2 Of BBdI ragmen. Then et tin aril of the bMNrg period, we add up tin reslhs of dtase dory rslaietiota to enive et pedode firartee large ter each aegnwv. We add lp tin resl/ta from salt segnam to sinus at tin total peAode finertce large for yax amour[. To gat the daily balsrtce for each setTtert[ of your arrant, we take the bepimirtg mlartce for inch sagtten and add anyy new tremactlata ertd any padede firwtce dterge rdtxtlated on the previotra day's bdartce for trot ragmen. We then s6trem any peymertla a credta pasted es of trot day flat ere dktrated to trot eagmatt. TNs dues u tin separate daily balarxxt for rsdt segrrartt of your amorrK. However, if you Dail tin Now Belartoe slvtuat m yax praviara trtatartax 'n iii! for if yow raw mlartee was zero a a credt arrta+xl, raw trerescliar vuftidt poet to yew palters or spell purdteae segrtaxa ere rot added to the daily balartras. We talalete the average daNV belertoe by addnp aN tin daily mlarrna tepether ant dvldnp tin am by tin nmmr of the Sys in the arrertt hNleg q'de. To rdalata ytxr tart Nnertoe riarpe, rraiddy yar sveraga daily blartce bV tin dory padock rate and W the camber of days in tin biNirtg pedotL Due to mrrtdrq m a daNy rods. there may m a slight vaAance between this celaietion aril tin amarx of firnrtce large eettaNy assessed. b. If rte rode 2 or N appears m 1m from of tfis atatemem ren m 'Balerxxa Rate Applied To,' vie mlitiply tin 4682M Important Notice: Your payment will be credited to your account as of the date we receive k, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Pbese slow at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. r--------------------------------------------------------------------------------------------------~ Show Mom our love ~ , Special savings for Capital Onem Cardholders! 0/O on your next purchase when you use Promotion Code CAPfi6 , 5 a ve ism reverse for details) Save this code! Offer good all year long! ~ Remember: Mother's Day is Sunday, May 14th Account Waco 18-2 16-8845 E~ EBOR GRAN IgIIG msn ~ I Call 1-800-FLOWERS' (1.800-356-9377) or Click www.1800flowers.com todayM Your florist ofchoice_ I t L______________~-____-_____-_____________-__________-___~~~~~___-_____~_~~~~___________-___________J Cap~tta~0~" VISA GOLD ACCOUNT 4388-6418-2716-8845 Account Previous Balance =190.64 Payments, Credits and Adjustments 120.00 Transactions 17.57 Finance Charges 52.42 New Balance 5160.63 Minimum Amount Due 515.00 Payment Due Date May 27, 2002 Total Credit Line 5200 Total Available Credit 519.37 Credit Line for Cash 5200 Available Credit for Cash 519.37 At your service To cell Customer Relations or to report a lost or stolen canL• 1-800-903-3637 For fra online account savior and special autotner offers, log on to: ~vww.npitelon~com Send payme~ to: Send inquiries to: Attn: Remittance Pmcasing Capital One Services Cattal One Services P.O. Bex x5147 P.O. Box 8.5015 Richmond, VA 23276 Richmend, VA 23285-5015 Important Account Information Auto Rental Insrrance-Receive auto rental coverage at no cost for damage due to eoll'~sion or theft. Effective 3/0]/02, losses as a result of fore, hail, lightning, good, or other weather-related causes are covered. Warramy Manager-Automatically doubles manufacnaer's written U.S. repa'u warranty up to one }tear on warranties of 3 years or less Register your purchases by phone or online. Certain restrictions and conditions apply. Go to www.v>sa.com/benefits or call 1-800-595-9928 now for complete benefit information. 5093M MAR 28 -APR 27, 2002 Page 1 of 1 Payments, Credits and Adjustments t 24 APR PAYMENT RECEIVED -THANK YOU 520.00- Transactions 2 27 APR MONTHLY MEMBERSHIP FEE 56.00 3 27 APR PAYMENT PROTECTION 1-888-527-6904 1.57 FinatlCe Charges Pkarera reuerreridefor important isformatiors B~arrn rmfi A+tiedr p~~g r~ gppfrdto APR rate PURCHASES 11.89.43 .0412396 P 15.0.596 32.42 CASH x00 .04123%P 15.0596 X00 ANNUAL PERCENTAGE RATE applied this period • PLEASE RE'T'URN PORTION BELOW WITH PAYMENT. Capita/~IZB` 0000000 0 4388641827168845 27 0180630020000015005 New Balance 5180.63 Minimum Amount Due 315.00 Payment I]ue Date May 27, 2002 Total enclosed 5 15.05% srmc ~ M ay s~ zm Horne P1nne Akenute Pt»ne ~_ #9011825817229113# MAIL ID NUMBER Capital One Bank s~ DEBORAH L GRAHAM P.O. Sox 85147 M 902 ALLENVIEW DR O1 ~ MECHANICSBURG PA 17055-8604 Richmond, VA 23276 ° ~ LtltLtlltrrLlLtrldlttllrrrlLrJLttllrtrlLrrlLrrllnJ ^ ~ IrrrllLrrllltrttLLtltltLJtJItrllrrrtlttlllttntLl~rlrll Plrnte rttrite yattr account number on yarn deck m moray order made payable to Capital One Ban.F and mail in the enrlared erruelopr. A'iase pn,t adartr cl miArr bdov, rcr;ng atrsr nr blmE e~,E r Get sweet savings on Mother's Day gifts for all the moms in your life ! 1-800-FLOWERS.COM• always promises you and all the moms you love: • Freshest flowers artistically designed • Personal service 2417 for delivery same day, any day • 100% satisfaction and freshness guaranteed • The finest selection of flowers, plants, gift baskets, plush toys, gourmet foods and more • Gifts exclusively designed for 1-800-FLOWERS.COM• by leading brands you trust. l-coo-flowers~fcomm Your f lorisc of choice. fi t_ fi t_ Z ~_ ~~ ~~ t~ t_ ~~ S O 1 to ~ N N Save on your next purchase when you use Promotion Code CAP66 Save this code! Offer good all year long! Call 1-800-FLOWERS®(1-800-356-9377) or Click www.1800flowers.com today! 'Exclusive of applicable service and shipping charges and taxes. Items may vary and are subject to availability, delivery rules and times. Items can be ordered online and by phone only. Offers cannot be combined, may not he available on all products and are subject to restrictions, limitations and blackout pedods. Offer valid through 12/31/06. Prices and charges are subject tp change wRhout notice. Void where prohibited. ® 2006 Capital One Services, Inc. Capital One is a federally registered service mark. Trademarks mentioned herein are coley owned by then respective entity. All rights reserved. t-800-FLOWERS is solely responsible for this offer and is not affiliated with Capital One. Capital One does not provide, endorse, or guarantee any product or service shown here. By responding to this offer, you may be communicating information about yourself to the company that provides this product-for example, that you are a Capital One customer ~ Z0061-800-FLOWERS.COM, INC. 1-800-FLOWERS.COM~ uses Secure Socket Layer (SSU encryption technology to secure itsvvebsite. hill ngi ~riod mve~reda bytl7Miia awteier~rleMntiyvwMe cal lte th rr ~ bedmng Mlarvx of earn aegmem each day, add eny new trartsacfiare to eaM segnem, and arbtraa any paymvrna or credta. Ilf the code N appears m the bent at this ffiatemem next to 'Balance Rate Applied To; vwa also stbtrem any tspaid finance dterge irtritreed In tfa balance of each aegnern.) This rives re the daily hdartce of each aegmem. Tlwn we add tp all tFre deilddyyeebelartces for each ra~mher o days i~l he h~iing period. THab¢vea mtha average daily Mlartce of eadt aegmern. 3. Amud Pra.ey. Rffias IAPRI. a. The temt 'Amtd Percerttege Rate' may appear as 'APR' m the from of this ffiatemem. b. If tfa Dods P IPrkrtel, L (3yrta UBOR), C (Certificate of Oepesit), a S IBankrard Prime) appmre m the frmt of this ffietemertt near to the periods rne(s), thepe deck rates and cerrespordng ANNUAL PERCENTAGE RATFS may vary t)teanedy and may Increase a decrease teased m the stated indoea, ea fond in The Wad Street Jainal, plus the margin pmvWtdy dadoeed to you. These rhanpes Wi fx effective m the first day of year biting Pe' covered by your pededc natemad enfing in the mmtM January, Apri, Jtlyy~ a~~n~~d~ October. c. If the cede D (Prknel, F (lytro. LIBOR) a 0 (3ytto. LIBOR Repriced MmtMy) appeare m the front of your ffiatemerrt rater to the pedods rate(s), the periodic rates and correapandrtg ANNl1Al PERCENTAGE RATES may vary eternity and may increase ar deaease based en the ffiated indcea, as tasd h TAe Wad Street .Iastal, plus the margin prevfetdy Affiieaed to yea. Theme t9tertges wit he effective en tfa Prat day of year hiiirtg period earn momh. 4. Asiipmffit d I.rti. Ovrittrt std ftisntid Pgatrrtt Fsu. Yes axant wi be aaseeaed ro ptora than two of the teas liffiad tam that Dens dMrtg arty hiirg period. lktder lfa terms of yo.rr artomer egreemert, we reserve tfa ridd ro waive or rot ro assess arty fees wAdteti prior mdRratian to witFtota vvsvktg ar rids to ea.esa the name or smiler n a later time. 5. Yes Aesastt. If a merrt6ereNp fee appears en the free of this rttatemeri, ytw have 30 days tram tfa date tilts ffinanerr was mated ro you to avoid P®NrtB the fee or ro have such Tee cradled to ytxt if you rartoel your eccotnt. Otrkg tNs Peed, You m•Y ceriirtta to t>sa yow aordnt without Mvktg ro pay the menterffitip fee. To carted Va+ aocara, you mtatt ratify ro by raMirtg as Qatomer Rdatiore Department acct pay y~r New Bdartce- h ft1 leta9ttdrtg the ntent6ertrtip tae) prior m the end of the tNM~V Peed. B. M Yw C6ss Yar Asssurt. Veu ran rerlrsaa ro dose exam by sing as C1tffiomer Rdatiurs ~epsenmers. Vau moat deffiroy yes centric card(s) ertd aocartt access decks, rartpd aN preetwinrized hilirtg, acct cease tairtQ your apcant. If you do rot carted pmatitnrized hilnB arrartgffitterna, we vti8 certeidar receipt of a darge yes etltlnrization to reepm year aemitt. Addtlaaiy, Your armor wi rot M dosed trrti You pay ai amounts you owe u ktdtdrg anV traraactiore You Mee etshorized, firtertre darges, Past rka Tees, overikdt foes, ren,nea payment Tees, cad, edvffitce fees ertd arty odor lees eeeeaead to ytwr emetrd. You em rea<srtaihle for these srtotrtts natetiter they appear en yar exam ffi tfa time you recast to dose the eccetnt or titsY are ktarred s6seglarn to your ragi>Bet to deaa the aorant. Tfia msy reap in dargea appearing m Va+ arxtarx after you Mve yaw ecxtstl if k Ma akaedy been dosed Fa eeantple, if you atafnrized a ptsrhase tram a mardara acid we receive the tnnsarxfon from the merdtffitt after yes artmtnt lea been tlosed, gets aeratstt uvi be reopened, the emasY of the dter~ggaa~~wiN he added to your eantwa, artd yyoouu will be reaporaide for payment. If there ie a martberffitip fee for your e®tnt, the fee wli etortdrrta to he darpad, SO the eaent petmhted by law, aril the eocettrc ertce has (teen pad in ftl es dafirted above. 7. Uaity Yes Aossstt.Vaw card ar accasd umot be te®d let xrracdert with any inerttet gamhlinp trareetslar. B. Nsfbs Ahat flaatatio Cherie Csrwraort. when you provide a efaek ea peymerw, you etsfnrize m eider ro case in(amstien from your titeek to make earls-tkrte dectrmic ford treater tram yaw hank aantnt a ro propet$ the paymerrl as a dock trertaer.~tiort. Wfan we tree infametim from yetr t9teck to make an dectrodc clad tnrtsfer, ttztda may be wufdrewtt tron your tank secant as coon as the same day we racdve yar paymertt, acct you wi rot receive your dark beck front yes frartdel iratitudon. BILLING RIGHTS SUMMARY Qn Case OI Errors Or Oueatiaa Attad Your Bile If Vet think your bill Is wrong, or if Vote need more Iniomatim on a trertaactim or hill, wrhe to tam a aeperne attach es soen as portable at the address for rngiriee shovm en tM from of this ffiatemem. We muffi hear from yrtu ro later than 80 deys after we sett yea the first bill en wHrh the error or praftlem appeared. You ran call cur Qrstemer Reladare rxanber, teat tieing eo wiN not preserve your ri¢rta. b yow letter, give to the following infeanetien~ your reme aM amasn nether, the dollar amoum of tie atapected error, a deseriplien of 1M error and an etrpleretim, li poeshle, of wttY you believe there is an error; or It you reed more inlormatwn, a deacdptiat ai the hem yete are trtase altout. Yau rip rtm have m pay any ametsrt in question whie we ere investigating d, but you are ffii ahiga~ed to pay tic. pads a1 your h'N that are rot in gtteatim. WFAe we inveatipeta your queadm, we cwmat report you as ddittquent or fake any actrm re ceiect the amore you gteesrien. f,t Spend Rule fur Credt Card Purcheaei It you have a problem with the gtedity of property or services that you pradtased vwth a credt card acct you have tried in good faith to correct the problem with the merdam, yet may have the arid not to pay the remaining amartt due en the propeny a services. Ycu have this protedien aiy wfan the purdase price was more then 950.00 and the purchase was made in year home state or within 100 miles of your ending address. (It eve awn or operate the merrMrn, or it eve mailed ycu the adverdsemeM for the p cry or services, aM ptrrdases am covered regardess of amaan or locatlm of ptadase.) Please remember to sign all cerreapprtdence. t Lbes rot apply to canwwreer riwrcredi! ra d acawaris 3 ade_s ztot apply to d~sness mn-r~edd raM arawnls Capital One atypona infopnatien privacy protecdm: see our vvebaite at www.4c~elpetdanreetgwm. Q~ietRrr~x d Catporatfm. Alls[~a se~ vce~m •a Zo~Gpital Capital One O1 LGLBAK ta. f3twa Period. You will love a minimun grace period of 25 days wlthax firtatce drrge en new purdaeea, new belstm trarafers, clew apedal ptxdaaea and clew outer dargae if You PBY V~ total 'Now fialertrE , n eerddertce with the knporterrc Nedce for payments below, and in time for h to be em3ted by yaw rext ffiaterrters dosing date. Them is ro grace period en cash edvsrtces and apedal traralers. h eddtion, them is ro grece period m arty tmrteaction if you do rot pay the total 'New Mlarre.' b. Aoauitp Fit-wee Otrga. Troreeetiore netieh are rot atrhisx co a grace petlod am ss®aaed fkartce charge 11 from 1M rime of rite traraacdon a 2) from the date the treraectiert is processed to yotr Acxtsrt a 3) from the first retarder day of the anent hist~ period. Addtimdly, if you did rot pay the 'New Belertce tram the pmNata burg period it frM, frtertce dargea certdrate to accrue to your tatpdd ttalerra trill the tnpaM bdartce is paid in fill. Tftis mcerte dot you mayy aHfi owe frartce dargea, suet if ya, pay tM cram Now Bdava irlArated m Ifs front of your ffiffierrtera by the rext ataterrtertt deeirtg date, tart did not do fro for the pmvletta montlt. Unpdd firertce darges am added to the appi~a segnere of yes Aanux. t c. Mitirtaffit Fines C!tffipa. Fot each billing period tier your axartt is aat~ieft ro a firrertre dtarge, a mirtirnun cord FINANCE C1fAfi0E of 90.50 vsi f» imposed. If tla told firtarx:e riterga rraittrtg fran the of your periods carets) Is lees then 90.50, we N abtroct that emars frem the 90.50 minimum acct the dffererre wit be hied to the ptxdase of ytxr apporiY. td. Tirrpary Nsdrtatisrt in~ Otsrys• We reserve 1M ridtt to not asaeas arty a eN finartca darges for ertV given ed 2. Avirips Balrros Isakdrw Wstw Ptrdtssesl. a. Rnertce dterge is calculated y mtlliplying th¢¢e daily bslatpa of earn sagnarwd [r-~rfer~ertd~ (>pedd ceptxdmae) edvartre, purdtass, aped by the correaportdrg dally pedods rac(e) riot tees been previady dadoaad to ya,. At the acct of each dayy doing tie 6iNhg parwd, wa •PWV the daily periods rata fir each segnen of your epretnt ro the Y 6elertee of eadt segment. Then at the acct of tfa hikrtg period, we add rq tta resits of ttaee defy ralalatiore to arrive at ynu periorfc fkarra dares for eedt aegrnent. We add tp the resits from each arrgneri to arrive at tM told periods firertoe Uterge far year amain. To gat the ddlV bdertce for eadt 9egram of yes aooarlt, we take the hedrtrinp balance for each segttent and add effir~tyy new trsnascbora ertd eny periodic franca dterge ralctieted m tfa previous day's hdertce for tfat aeQnat. We then sbtrect enV payrrtena or nadts posted es of that day riot am dlmated ro tMt aegrnen. Tt3s duce to the separate daily talence for eadt segmerw of your amntnt. liovvever, if you tfw Now Beleraa dovwt m yaw Prevkxa ffie[ertterw in 1 (or if your raw belerxee was zero or a credt amour), raw treraer.Yiere whidt peat to Vets ptrrriteae or apedd purtirae segrtema em rot added ro the defy balances. We cekxlaoa the average defy Mlertce by addrg si tits daily belatoea togetfar artd dvidrg tits can by the nrrtber of rte days in the awrera hiMrg eyrie. To ralalne Yax told firtartce charge, rtxidWY Vac average daily bdffitce by tits dailype rfode rate ertd by the nnrber of days in the Ming period Due ro rardirtg en a dilly bass, there may be e sight varierttst hetweat ttis celalffiien and tie antouw of firertce charge atxtally eeea®ed. h. It tM code Z a N appears m tM free o1 this statement rea ro 'Bdenre Rata Applied To,' we rrtthplV rite 5093M Important Notico: Your payment will be credited tc your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the encbsed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received an a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five 15) business days for postal delivery. Payments received by us at any other location or in another farm may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 24-KT. PLATINUM-PLATED Magnetic Bracelet WITH COPPER Magnetic therapy is said ro ... • Increase energy • Relieve pain • Accelerate healing Please send me ~ 7'l:' anNor ~ 9" Magnetic Bracelet(s) for plus $3.95 shipping and handling for each, and send to the address shown. Please charge my Capital One• account number: 438&6418-2716-8845 I aubarize Capital One to toward Mia coupon, which includes my account number tar billing purposes, on my behaH b the congianY that provides this product. Signature (Valid only with full signature) 2sstat Detach at perforation and return in your remittance envelope. 542500.02 FOR DEBORAH L GRAHAM 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 Capital VJ ~G a «SA GOLD ACCOUNT 4388-6418-2716-8845 Account Previous Balance #180.63 Payments Credits and Adjtutments #50.00 Transactions #66.19 Finance Charges #2.55 New Balance #199.37 Minimum Amount btu #15.00 Payment Due Date June 27, 2002 Total Credit Line #200 Total Available Credit #.63 Credit Line for Cash #200 Available Credit for Cash #.63 Atytnaservice Te call Customs Relations of to report a lost or stolen mrd: 1-800-903-3637 For free online acooum setvm and spaial astomer offers, log on to: www.rapitalnne.rom Sad payments to: Send inquiries to: Atm: Ranitmna Proarssing Capital Onc Smica Capital One Secviea P.O. Box 85747 P.O. Box fl50t5 Richmond, VA 23276 Richmond, VA 2128 5-50 1 5 Important Account Information Capital One is a proud sponsor of the American Film Institute's CBS primetime special presentation - AEI's 100 YEARS-700 PASSIONS. Ifyou love movies, rune in to CBS, Tuesday, June 11 from 8-11 PM (ET/PT) 7-10 PM (CT), as AFI counts down the 100 geatest love stories from the past 100 years of filmmaking. Which of your favorite films will be honored? Could it be THE WAY WE WERE, WEST SIDE STORY, CASABLANCA, PRETTY WOMAN, SLEEPLESS IN SEATTLE or another one of your favorites? You71 }rave to watch to find out. Don't miss it! 4520M Payments, Credits and Adjustments APR 28 -MAY 27, 2002 Page 1 of 1 1 22 MAY PAYMENT RECEIVED -THANK YOU t5n.oo- Ttan4actions 2 07 MAY TURKEY HILL 240 MECHANICSBURG PA t17.70 3 11 MAY T[JRKEYHILL240 MECHANICSBURG PA 15.75 4 13 MAY OVERLIMIT FEE 25.W 5 27 MAY MONTHLY MEMBERSHIP FEE 6.00 6 27 MAY PAYMENT PROTECTION 1-888-527-6904 1.74 Finance Charges Pkruereereuerse ridefor imfmtant inforrrtatwn Balmrrr rmfi i~rr;odu Cmre g "~~ apflirdte AP rote R PURCHASES (205.83 .0412396P t5.Q5% 5255 CASH 1.00 .04123%P 15.0596 5.00 ANNUAL PERCENTAGE RATE applied this period • PLEASE RETURN PORTION BELOW WITH PAYMENT. Ctapita~Q~' 0000000 0 4388641827168845 27 01993700500D0015000 New Balanec #199.37 Minimum Amount Due #15.00 Payment Due Date June 27, 2002 Total enclosed # A'rmr p.;nt oddess rlxmrsrs br/w, using blur w b!m# ink 15.05% Strct Apt Y City Sraee ZIP Home Phone Al[emate Phone ~ #9014825817229110# MAIL ZD NUMBER Capital One Hank o ~ DEBORAH L GRAHAM P.O. Box 85147 N ~ 902 ALLENVIEW DR Richmond, VA 23276 ~ ~ MECHANICSBURG PA 17055-8604 ~u~t~n~~ttt~t~~ut~t~~u~~us~~ru~~ut~~tu~~ns~~ut~~ur~ ° S~ ~ut~~~ut~~~ant~t~u~t~s~tt~u~~n~~tut~tt~~~tutt~r~n~t~~ Pleau write you auaunt number on your cIxL~F ar rnnnry mAer made payable to Capital One Bank and mail in the entlared envelope r Great look and feel ... 24-KT. PLATINUM-PLATED Magnetic Bracelets WITH COPPER Theory of Magnetic Healing- is said that the magnetic Geld attracts and repels charged particles in the blood, creating movement and heat. Many believe this process helps accelerate healing. Herr you heard.- Magnetic therapy is used by sports professionals worldwide! Un~'que Gnk design Siher-cone alloy ~ plated with 24-IG. platinum Magnetic therapy v( is rued by eportt professionals worldwide PotarerfW 1500. gates magnets Distinctive little design with genuine platinum-plated finish Choice of 7.5* or 9* link designs sry~lea r both men and /; women *$ubjec[ [o credit approval. MN and IL residents add applicable sales tax. Please allow 3-5 weeks for delivery. Offer expires in 90 days. ~ ~~~ **You must be completely satisfied with your Magrseric Bracelet(s) or retttm it within 30 days for your marry back. The mrnhandise fiwtured in this offer is offered by J-O Direct, la'., which is solely resptxssible for rhr pmducr. JA Direct, Inc., 7500 Excelsior Rlvd., Sr Luis Park, MN 554265 ly is not a(tiliattd wi[h Capital Onr and is solely responsible for its products and services. Caution: Not fa use by individuals fitted wi[h cardiac pacemakrts, internal defibrilkutsrs and/or pregtunt women Nahinq in this coupon should f>c taken as an express or implied claim regarding the medic I or health impact of this pcudtx[. ®2002 Gpi tai One Services, Inc. Gpiral One is a federally registered service mark. All rights reserved. 8 O O N CV periods rate. Ta obtain Ma average daily balance for the billing period covered by this rtatemrr, we take the be9lmng balance of each aegrnem each day, add anY new troreactittro to aced[ segment, and stbtram any payments or treats. (It the cede N appenro m the trmt of thin rtatemem next 1o 'Balance Rate Applied To,• sate also st6troct any trpaid Anerrce charge rsdttded in the balance of each segmem.) TNa gives tm rite daily 6elartca of anti[ attgmern. Then, we add W all the daily 6alartces for each aegmem for the hifling period and Bride by the tmal anther of days in Ma hagrsg period. Tlia given ua the average daily balance of each aegrnem. 3. Atnd Pivrlapa Ratan rAf>ft1. a. The term •Amel Peroerrage Rate' may appear as APR' m the trace of this rtatemern. h. If the mtfe P grime), L rt~rto. LIBOR), C fCem&ate of Deposit), a S IBankuro Prime) appears m the front of [lice rtatement next to the periedc rate(s), thepe node rates and mrreapadng ANNUAL PERCENTAGE RATES may vary quenedy and may increase or decrease based m the seated indoea, as rata in The Wall Sa eez Josrrta/, plus the margM previat9y dadaaed to you. These dangaa wIN be effective m the firrt day of your 6flNrsg period covered by your patinae atatemem endng in the months January, April, Jtlyy and October. c. If the rode D gdnte), F (f yno. LIBOR) a G (aim. LIBOR Repriced MonWy) appeare on the lrortt of your rtafemm2 ease to the pedodc rate(s), 1M pedodc ratty and oorreaptrtdrtg ANNUAL PEAC9iiAGE RATES may vary mmtNy a may increase or decrease based m the stated iMas, as tetrad in TM Wall Street ./acre/, plte the margin ptestotdy dsdosed to you. These charges will 6e efkcdve m the (rot daY of your 6fllirg period earn mtrtMt. 4. Artrsarmsant of Lots. Owrittti< acrd fMltsrtad Payrrrrtt Fars. Yar amarr wY 6e aseasetad ro more tMn two of flee fens gated fare that omx drisg era/ hiflirsg period. lJrsdar the terms of yax tae[aner agreentrr, we reserve rice right to waive or rot ro a®® rty (sea widratx prbr rtotlfltatlm to you wfttsou weivkg our right m sasses des same a arrilar fees at a leror tkra. 5.tRarwwfrtp Ytsr Aesarr. If a membership tae appasro m the front of tiffs tratemerr, you have 30 avoid peytrtg the foe tx tatxh faemcmdted m yet if yet rarsrel year eoretrr. Otskg tiffs period, You ^aY mrrk[te to [tae your eantrr widsaY lavkg to pay the mrstbersftgs fee. To carscd your acoetrst, you must rtoMfy u bV rafxg ar Cttetmter Relatiae Depenment and pay Wttr Nsw BMrsce• in frll (axritdrg the mmtherahi fee) prior to rice era of the Mrty~y period. 6. M Yet Cbaa Yrrr Attrtant. You ran regret to dose yyoaurr armor bV ~ ar Qtrmar ItelaNass Departnsarrt. Vou rtaet destroy your treat cerdls) and smart[ ar.~ dseclre, rarstsl e• pttsauMtized hilirtg, and ®aae yar arvnutt. If you do rot ranter prorslndzed enrsgrrtrrs, tae wirlelaopeernaiydostrtr nom nt fAdrmaaNyy,~ywr armutt wimrsot 6e cJaeed [raft you paV aN rttotrra you owe t8 irtdttdrg: any treraectlero you have attdtalzed, finance barges, past ate fees, ovttrfknr fees, rertrrsad paymrr fees, rash edvrsee fees and ersy cant fees assessed to your arrant. Vou ate rsaparihb for these amarrs wlaMser day appear m your sccetrn rt the time you ragtest to rinse Ma aomrrr a they am rrttaxred at>bsaquertt m ytxr re4tea m rinse rice aanrt. This may rorlr to dames eooeerksa m vat atrnrr after you lave your arrant if k has droetfy been closed. For esample, tf you atttlorizrrd a pun3eae flan a mttrdlrr and we rrxxiva the troreacMors hart[ the merdarx clear ynr strata[[ has hers rJeaed, yar erretrr wW 6e reopersed, the emarr of Ma dserga wi be added to yrrr atxxttnt, rdyau wiN 6e responWble for payment. If them is a membership foe for your amore[, the fee MtN txtnrirttte to he dtargad, ro the extent permhted bV law, trrY the atone[ b tree hen been pad in ftN as defined shove. 7. Uaig Yar Aaoent.Vnur card or amarrt ume[ he teed in r>xr>ectiors with ray imamet gambgrg trreadiorts. 8. Pbtisa Ahat Elssharia CJtsok fin. When you provide a dseck as paymrx, you audarize ua either to [tae infortnarien from yax check to meka a me-time efevYroNe ftrd transfer iron yrrr berit amount or to prorm the peyrrtertt as a dsxk trsraactien. When we [sae informaben tram yar dteck to make en electraric litrd trarafar, ftrsds maY tat wltldrawn Trap yax bank arrant as soar es its same day we motive ynx peymrr, and ysxt will tta receive yar tYaek hack frcm your firartdel iradnbors. BILLING RIGHTS SUMMARY (ln Csae Ot Erroro Or Ottertitxa About Vour BilO It you think your hill is wrong, or if you rvsetl more informaMm m a trarseactim or hill, write m to m a separate alseet as nom as posfde at the address far Irtgtiriea slwvrt m the Tram of 1Na autemar. We mtet beer from you ro later than f10 dsyyas after rte art[ you ffa first till m which rice error er preHem appeared. Vou cen call our Customer FieMMare number, but dung ao will not preserve yax rigMa M your letter, give to rte fdlowirtg inlomretim: your tame and attars[ ember, the ddlar amain of rice attapected error, a deacdpfim of the error arvi an explarat)en, if poaaiHe, et ufiY you 6eliere there is an error, or i1 you reed more kstomsatrm, a descdptim of the hem you are trtaxe ahan. You do not Fare to flay any amarn in t}artkn whge we are Investigatirq n, but you are still ahigetad to pay the papa of yax h'R tMt are not in geatim. Whge we in~lpate your gteatim, we rwatm report you as delirtgtserrt or take any action fo caged the amarn you questim. 3,t Spedal Rtle For Credt Card Purchases R you Mva a problem with the quality of prapeny or aersicea that you purtiaaed whit a treat card and you have tiled in goal faith fo correct the problem with the merdsern, you may here the right not to pay the remairirg arrtarn due m the prope~ry a sersdexss. Yeu Farse Min prmeetim eNy when the purMsaae price was more than 950.00 and Use purrJase was made in your Ittrste state or wftlin 100 miles of year meting addreea. (U we own or aperote the merdsarn, or it we mailed you the adreniaemmt ter rice p try er serttoes, all pumlaaes are covered regartfeas of amatrn or kteatim of ptrdase.) Please retnrttber to sign all oorreapordrtce. t Oioes rot eppty to conmcrter norrrJedil card accotasls 3 Ooea rot apply m bustrtcss non-uedit cord accounts Captal Ora taplwrts inttmtalim privacy prrnec[im: nee txr eat www.cceappalene.can. Capital One is a tederelly registered seMce mark of Capital One Rnertcial Corporation. All rrgltta reserved. s 2003 Caphal One 01 LGLBAK 1. ffsw To Avoid A fitarsoa tlrrpa. ta. tlrad Period. Vou will have a minimun grace period of 25 days without flrartce large m rarv purdases, new bslerrB trarahtro, raw apndal ptxcheaes and new other dsargaa if yet[ PeV Vox tnrol 'New Balarsoe', in arrerderre wills tta knpatarr Nafee for paymrrs below, era in time hx it ro be cretited by yax rext ratensem tiasirtg [fate. There is ro grace penal m cash advances and apedal transfers. In addtion, [faro is ro grace period m arty transaction if you tb rot pay the total 'Now 6alarsrn.• 6. Aotnig Fisrws Osrya. Trerssectiass vsfitis are rot a4era to a grace period era sassed frsartce rJarga 1) from the date of the treraeralm or 21 from the rite the traraaction is prooaesed to yax Amnnt or 3) from the first ralerder day of rice axrrr 6iYin~ Addtimelly, if you tied nor pay MB •Nrsw Balance [fie previous 6ilktg pence( in fitfl, frartce dsarges txxsine ro accrue to yax trtpeid balance trttll the trtpaid balance is pad in fall. Tlis meare [tat you mey still owe finrtce drarges, even if Ym Pay the rxire New Balarsce indrattad m the fray of your reterrsent by rice raxt atateetea tlosirtg date, but rid not tb so for the previae mash. Unpaid fratsce dargsa are added to rice appYta aegrntrr of your Auarr. tc. lYPsirratm Fitsnoa i~trys~For each billing pedal that your nacre[ its stlbiecr m a flrsarsrn rherga, a mirirntm tmal RNANCE (}U1RGE of 90.50 will be imposed. If the total frsersce da~ge r~lrx~p from the appYraOiat of your pedodc rote(s) h lei than 90.50, we wiN ebtraet that errtotrr from the 90.50 minksttm era the dfferersoe wit be biNed to the purrheae of yar aornrr. td. Tantparary fiabrofiat an~ Orsrps. We reserve the right to not sasses try or aft tkserre dargas Tor mV given ItiMkg period. 2. Awrapa Daffy Babas IYtettr3t0 Nrw Rrdrsasl. a. Rnertce dirge is ealaiated hit mtHiplyNg Ma daily balrrn of aerie segnerr of your acoarr le.g., cash advert®, purdaae, apedal treater, rd tpetiel pxdase) by the oonaaporsdrq daily perledc reteta) that hen bean previously dsdoaed ro you. At the end of tads desy Arkag des tiNksg period, we apply the rrrify patinae ram ter Bard, segment of your eooant ro tta deiY 6elarsce of earn aegrtrrt. Tian at des and of the hdtrtg period, vse add tp the reatths of these defy ralatlatiota to arrive at year periods frame riarge for aced[ segrtrx. We add tP the restits from saris aegeterx to arrive at the total periods firtar[ee Utange for yar emarr. To get the daily bdersce for aerie segrstrst of your atx:otrr, awrrey[aloe the begxrirg acrd any prrriodc firarre da~igeB rddelalam~d mr day's balance for that aegrnertt. We than aubtroct any paymeds a cradta posted e9 of that day that am aflorated to that segrserM. Ttsis fives to tin aeparote daily 6alarx'.e for earls segrrem of your eccetnt. However, if you the Now Balance afnvs*s m yax previous sttatenerr in I (or If your raw belrsce was rem a a treat artsarrtl, raw troraectiore tadtirh poet to year ptxtYaee a apedal punisesa sagrrteros are rot added m the degy bMerscea. We cekalero Use average daffy belrsce by addrg sN the daily halarrss togetfar and dvidrg des sun by the camber of the days M the axrerr hiMlrsg cycle. To ralatlaro your teal finerrn ttlsarge, mtariply Vox avaroge daily helrre by the daay pariedc rate aced bV the nether of days in the bikg period. Due to rartdrtg m a tinily basis, trace may 6e a slight vadarrae between this ralalstion and the amttrrx of flrartoe tinrpe atxtrefly assessed b. If rice code 2 or N appeau m the Ulm of this sntnanem rasa m •Mlarsrp Rata Appled To,' we mttkiply the 4520M Impoftant Notice: Your payment will be credited to your account as of the data we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia o- Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments eddreased to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. First 3 months half-price a month; 59.98/na. mereetter ,($ j ~ FREE Accelerator' ~~~~'''' wMn l~wr ~¢r rM Ar f2 wsenMs SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.com/go/opal Does peo le c~~ online uL ~er way to Intemet. 902 ALLENVIEW DR Pt1i1,~1Q7~19~ttl~el~th~'f@1~~'ei6'p~l would expect from higher-priced Intemet Service Providers at half price for the first 3 months! 4388 6416 2716 8845 ® Email Virus Protection ® Pop-Up Blockert"" `~ Spam Controls ®~ Smart Dialer ®~ More Email Addresses ~ ~ Internet Call Waiting Capital ~~e VISA GOLD ACCOUNT MAY 28 -JUN 27, 2002 4388-6418-2716-8845 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance ;199.37 1 24 JUN OVERLIMIT FEE CREDIT 325.00- Payments, Credits and Adjustments 3215.04 2 26 JUN MONTHLY MEMBERSHIP FEE ADJUSTMENT 3.00- Trar>sactions ;16.00 3 27 JUN CAPITAL PAY PAYMENT 187.04- Finance Charges 52.38 New Balance 32.71 Trarl.9actions btinirnum Amount Due 32.71 4 27 JUN CAPITAL PAY FEE ;10.00 Paymern Due Date July 27, 2002 5 27 JUN MONTHLY MEMBERSHIP FEE 6.00 Total Credit Line ;700 Cap'ltal One has joined with Progressive Auto Instrance so they can provide yon a fast, frce rate Total Availab]e Credit #697.29 quote with no obl'~gation! Call 1-877-397-5374! Yrat cntild save 3400' by comparing rates Mention Credit Line far Cash 37~ code P700. 'Possible savir~s based on rate variance of annualiud comparison r ates calcdated by Available Credit for Cash 3697.29 progressive on rolls received from 6/1/01-12/31/Ol (e~orluding variances greater than 31000). Rates and arYtial savings will vary based on driving record, vehicle, address and other factors At your servrce To call Customer Relatiom or to report a lost or stolen card: 1-80o-903-3637 Fot free online account service and special ntstomer offal, log on to: vnvw.capitaloriemm Send payments to: Send inyniries to: Attn: Remittance Processing Capital One Servlca Capital One Services P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23 285-50 15 F'iilatlce Charges Pleare ter rereerte tide for 1fttpOrtarll fftformatum Rdmlte rmfe PAtiO~1f Cmr spmlduig ~~ applkdM rote PR PURCHASES 3185.92 .0412:196 P 15.05% 12.38 CASH 3.00 .0412396 P 15.0.996 5.00 ANNUAL PERCENTAGE RATE applied this period 8469M ~ PLEASE RETURN PORTION BELOW WITH PAYMENT. ~ Capita~0~• 0000000 0 4388641827168845 27 0002710187040002715 New Balance 32.71 A'r~r print ad~rrr rJ~migrs brloru ltrirlg blue or blanE dlt: Minimum Amount Due 32.7] srrcet Apc ~ Payment Due Date July 27, 2002 City Srue ZiP Total enclosed 3 Home PFnne Alginate Phone ~ #9017925817229115# MAIL ID NUMBER Capital One Bank m ~ DEBORAH L GRAHAM P.O. Box 85147 ,a 902 ALLENVIEW DR Richmond, VA 23276 ~ ~ MECHANICSBURG PA 17055-8604 ~u~r~n~~ru~r~~w~s~~u~~ur~~ur~~nr~~ns~~m~~us~~ur~ ° ~ ~ur~~~us~~~nn~r~u~r~r~u~u~~u~~uu~n~~~uur~s~u~s~~ Pleafe write ynur ara7unt number ml your check m money miler made payable to Capital One Bank and mail in the endured envelope. 15.05% r peoplepcr~ online ~..i Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.coMgo/opal These maSa:ines are published with the frequenCres dese7ibed'm thk otkr, except for two issues combined periodically into one and occasonal extra, expanded, and premium issues f:omhined, expanded and Dremrum Lssues count as two subscripfan issues FntMainment likdtK Tang and Sports Rlras6ded are pubr~shed wacky Caadd lJving and SoufAem Atonal are ppublished bimonthly. Farhuie k publtshed b'meekly. Sportsltlrubefed labtnen is published fames per year. Red S)mpk, Plaerdhg, A[epk Fa fspafior. Teen Pmplq Heaeh, and This OH House are publshed to Hmes)xr year. Csdkin li is published n times per year. Monty and Sports lfYutrdrd lior !Gds are published tg times per year. All otFiers are monthly pubfiaCbns Ofkr mt sponsored by logical One er arty ether fhtancial insHtut~ion~ Gp'Aal One is a kderally registered service mark. AH r~ghu reserved. A aontt Capital One Services, me Time O'rrect Ventures is sekTy responsible far this efkr and es not atfifiated with Gp'aal One. C(aappNat One does not provide, endorse, or guarantee arty Qmduct shown here. Time O'rtecl Ventures Inc is located at u7t Avenue of the Americas, NV, NY taozo. Far inquhks, [aH 1-888-221-6796. Yau shouldme'rve the first LiLte For any magazine ynu choose wtth'm q-6 weeks after Time D'mect Ventures' receipt of order By responding b this efkr, you maybe commun'tcaling inbrmal'on about MurseH b Time Direct Ventures, Inc., which provides these products•tor examp4, that you are a Gpipl One cusomer. •AH terms include Trek-free bast issues Number of risk-free frial issues will vary accord'mg b sutscirpfan }r~puencks Subscribers: H the Post Office alerts us that your magazine is undeinere6k, we have rro further e6irgafon unless we receive a coneckd address within two years 8 O O ~ ro r ~o~ ~ f^~i (V PeopbPC is solriy responsibe to this oget ant is not affiliated vrith Capital One. Capital One does not provide, endorse a guarantee, and is not afAliated with, arty product a service shown here. Airy tradenterks mentioned herein ere solely owned by the respective entity All rights reserved. By responding to this oHet; you maybe communicating intormation about yourself to the company that provides this product -for example, that you ere a Capital One customer. 'PeoplePC Accelerated: First 3 months of service are billed at $4.97 a month; $9.95 a month thea~Her. 12-month commitment required fa PeoplePC Acwlerated, Month-to-Abnth pddng with rw term commitment is 514.95 far PeoplePC Accelerated; $9.95 for PtaplePC Online without aexdt)rata techralogy. Offer available to new 6al-up subsrxibers at bast 18 years of age and may not be redeemed with arty other offer. Offer sul>jitct to change at any time. Phone technical support available for 51.95 per minute. jWith PeopleiPC Onsne ACCale2ted, certain Web page tent and graphite wia load foals when compared to stxidard didMUp Infernal service. Actual results may vary. Service trot available in ati areas. Access tees, taxes and other fees and restrictions may apply Plane technical support avttdaWe fa $1.95 per minute. Fa queetias, t:aR toN-tree at 7.888-5TRYNOVy. ®2006 PeoplePC Inc. l'eoplePC onime and the Peopler'C Logo are registered trademarks of PooplePC, Mc. trademarks are properties d theta respective owners. All Rights Reserved. Service rat evalade in all areas. Acoeae fees, taxes, and oMer fees and reatridions may eppty. Telephone tell charges may apply, even doing trial periods. You are responsible for determining whether a call to one of Daft aaxiss numbers will result in telephone totl charges. Access may tx limited, eapedaly doing times of peak usage. Dkl-up numbers may be dtanged et PeopbPC's tliacxedon. I.',ontlrwoue use subjtld to timeaut procedures. All use is subject to PeaplePC OMire's Swvices Agreement and Acceptatle Use Poky. 56K is the maximum speed of service; actual speed may vary. ® 2006 PeoplePC Inc. All Rights Reserved. PeoplaPC Online and its logos are trademarks of PeoplePC in the U.S. and deer epunlries ® 2006 Capital One Services, Inc. Capital One a a federally registered service mark A8 rtgMa reserved. p~edock rate. To omain the average deny balance mr the billing PedM covered by ctrl nalemeM, we talcs the begimng balance of Padl eegmad each day, add any new treneactierw to each aegmerr[, and a#nrem any paymada or cre6ta. Ilf the code N appeare exl the from of this aatanart nett to 'Balartra Rate Applied To,' we else tabtram any tnpaid finance darge inducted in the balance of eadt aegnem.) Tftis gives ue the daily balance of each aegman. TFien, we add tp all the daily balances fa each aegmem for the billing pedM and dNde by the tmal rxmber of days in the bifiing period. Tlis gives to the AVerRpP rIIl1Iy Mlarl['E Ot Padl aa('I1a11. 3. AmtY rd~"`-,~r~~Y- Raga tAPRt. e. The tens 'Amtel Perceraeg: Rate' may appear as 'APR' m the Iran of this natement. b. If the code P lPrknel, L f3-mo. LIBOR), C fCertifrate of fk~rmit), a S (Bankcerd Prime) appears an the tram o1 this statemem next to the pedode totals), the eedc rates and carreapondng ANNUAL PERCENTAGE RATES may vary quarterly and may irareaee or decrease haled rxr the stated Indoes, as fond In The Wal/ Strerer .lame!, pets the margn ppreviady dadoaed to you. These dungea wiN be efketive an the first day o1 your billing period covered by your pedodc natemart endng in the manes Janetary, April, Jrly and October. c. If the recta D (Prime), F fl irro. LI00W a G 13-mo. LIBOR RP~dced ManNy) appeere on the tratt of your atetemem nett fe the pedede totals), the periodic rates and correspardng ANNJAL PERCENTAGE RATES may vary manNy and may increase or decrease based an the need irrdcea, as loud m The was Street .lams/, pus the margin previarsly risdrrsed to you. These drerrge~ will be etkctive an the first day of your billing period each month. 4. Asaesartr[ of L.~a Ovrirrit ad Rsharrad Payntat F.u. Vtxtr aesant vAi be asaeaeed ro more then two of the fees Tall here itat rmtr durlrg arty higkg period. lAder the terms of your etatemer agreanaa, wa reserve tfa right to waive or not m assess any fees wiMnrA pior no[ifiration to you withett vvaivirg as dgtrt to assr~ the same or amilar fees at a later tkne. 5.tliarrswfrrg Yttrtr Asaaset. If o manhorehip too appears on tM frrarr of this sretarrav, yet lave 30 days from the date tfria atatartaN was mailed to you to avoid paying the fee a to Mve such fee credtal to you if you rarrcel yoex accorart. Detrlrrg tlis periM, you nay esrtnirxte to use your aoceas vviMrea hevkrg to pay the memherehip me. Te carrel year aoram, you rata rosily us by rating our Customer Relatiorn Depsrtmem and pay yes New Balance' in h11 (exdetdrg the morrberehip tse> prior to the ell of the thiny~dsy period. B. M Ytw Chas Yar Aoaasrt. You ran rrtµtast to Bose your eornern by raiirrg ev Q>atorrrer Relatierva ?c apartmart. Vou must dastmy yes cradt retells) ant accerau amass drecks, cancel at preaestodzed billing, and ceaea yua aaarrt. If you do rot rarxsl prtratstarized amarrgentems, we vAN esrrelder receipt of a large year aetdnrizetlon ro reopen yore acmad. Ad3tiarafiY. Mar eooarrt wYl rot be dosed earii Vou pay aN arnexrts ynu owe u irrdrtdirrg: arY trorsectiers yott have tusMrized, firrarrce charges, past due fees, ovalimil fees, rensned peynrerrt fees, cash advarra fees ant any mtrtrr fees easeaeed to yrxs arrant. Yau em respateihle for [base tttroesxa wlreMrer they appear on year arrant M the time yet request to does the errant or they ere irraxred sebeequerc to your ra8sa to dace the accent. THa may reap in drarges appearkrg on your arserd after ysru have if~jmu eesfndzed ptsdteae~fmn a merdtam erxt wee e, receive the trertmcttm tram the merdters after yeta acoextt has bear dosed, Vot+ assent WIg De recpated, the ematrc of the txrerge wig Da added to yertr arran, ant you wYl rte resprtneiHe Tnr paytnant. If Mtere is s memberehip fee for your areoratt, the lea w91 corxkxre to be dra , to the elders pemritted by law, eaaH the assent rrce has been paid in itA as defirod above. 7. Uaip Yoe Aaoant.Vour card ar arseun ceratot t>e used let mrvrecdorr robe a^V irxernet gamNing trartsactiore. 8. Nstioa Ahtrtt FJaetrorrc grok Coarrs(rn. When you provide a dock es paymerri, you aulodze ce erdtar to etee information iron your dteck m make a artetime electroric lead trorafex from your bark etseatt a to prorass the MpeymerN as s dreek trerteeetion. When we use nmrmation from your Ureek m make an eleetraeie fund trerrsfer, hrrds msy be widdrawn from your back amneaN as soon as the same day we receive your peymerrrt, and you roil rot receive your castle back from yortr Warrdel insrittaten. BILLING RKIHTS 3UMMARV (In Case Of Ermre Or Qteadera About Vaur Bill) It you ttlnk yetm tlll Ice wvorrg, or If you treed more inbrmetian an a varraecdan or hill, vvme m ua on a rreperete sheet as sore as peaslble ai the ecldresa for irpeidea shown an the frerrt of this nnarrart. We man hear Iran you ro late then BO days after rota son you the flret tlN on vlrlrh the error or problem appearal. Vau ran call nor Qtnorrar RdaMarrs ember, Ixa long se Wfi rot preserve your rights. M your btter, give us the faaowirg inbmtatian: your name and aocerrt rasnher, the ddlar ameart of the aaipected error, a deacriptim of the snot and an et~lanatlen, If posaltle, of vvhy yoet behave there Is an error; or d yen need more intornattm, a dtmeriptlen of the hem yeti era fatale stets. Vou do rot have to PaY arV amaaN in question Wie vve are invertigat'mg h, hrtt you are still abligefed to pay the parts a1 yax dg that are rot in queatim. While vas invearipata your geoa{m, we ramot regal you as ddirpuem or fake any amien to cafieot the amern yet getearion. t,t Spedal Rule For Credh Card PurtYases It you have a problem with the quality of property or m!rviras that yet purtiased with a rredt card ant you have tried in good faith to correct the problem robe the merchant, you may have the dgM not to pay the remairtirrg amend due m the property a aervirxe. Vero have tMa protection ex9y vUten the purchaso price was mar¢ then 950.00 ell Mrs purchase was made in your Frerrre slate a witltin 100 miles of your maiing address. 111 we own or operate the mertiam, or it we mailed you the adverdttarrem for the Property or aerVlcea, ant purchases are covered regerdesa di amain or loravon o1 prarhase.) Reese remember to sign all eerresperv4rrr.. t' Does rot app/y !o taruurrrer roe-reedit ram ecoounta i Oees rot appy to busetess roe-reedit card acraatts One attpporta information privacy protection: see oea al www.taapptalane.cen. One is a lederaiy regacertd service mark of Capital rincial Corporation. All rtghta reserved. a 2003 One OtLGt.BAK ta. rtraas Period. Vou will have a mirimrm grace period of 25 days without fstatce dtarge on new purdtesea, new balance transfers, rew apedal peadteeea and now other titerges if ytou PaV yar foal 'New Belarae', in eecerdnrre want the krtpertarY Notice mr payments below, and kl [Nlle for It to t>e cfedi[ed fly yell rtext aeterrent dosing date. There is ro grace period on cash advances and special trartsfere. In add[ian, there is ro gate period on any trertaection if you do not pay the total 'New balarrc.' b. Acmig Fnanca d~9a. Treraectiore vvlrch are not subjerx to a gate period are asatsaaed flrrerv~ large 11 free dte date of the treraaction a 2) free the date the traleactlon Is pr'axesaed to your Actsut or 3) ban the first ralarder day of the aerent ttifiirg periM. Addtiexally, it you rM rot pay the 'New Belarra' from the previats biking pedM in fug, finance drargas centirvte m eecnte to your upad bdarra card! [he unpaid balance is paid in ftll. Tlris meerrs feet you maV stiff awe firrorra dargrs, even if Yau PaY the aaire Nenv Balance krdcatetd m the from of your aetrsnaa by the rox aetanas do®rg dam, nor did rat do so for the previaa morNh. lktpaid firarrce charges are added [a the appN[ahle segment of yatr Aaaaa. t c. Miriraan Firaaa CJrrpa. for eadr tllllrrg period that your amnxx is abject ro a lkarroe drerge, a rnirinasn total RNAhCE C~IAROE of 90.50 wii be knpoeied. If the foal fsarrce dre~ n>a/rirg hom the application of your ~tarrera fromlathe 8 50 0 miNmtm erd thew) dfferarce wii be baled to the pradram se~nar~t et yea. emhrnt. t d. Terrrpotry Radetalim in Firrrroa Owya. We reserve fire rigiR to rot assess arty a aN finance drargas for sty given bAlinp pedM. 2. Avarapa DaiV Babas (Ne8r3tp nrw Prrdaaasl. a. Faarm large is calalnM y mutiplying the daily belarree of sent segnerc of year ecraeart (e.g., rash adverts, puniase, spadd trarefer, ant spade! pexdaae) by the mrreaftardag daily periodic totals) drat Irasyybeen the M"fiirrg PBrtM, wet apply the lea Padodtr: rrrroMfora~d~i segrnera of year eraortn m the dealt balance of each segment. Then et the end of the bakrrg period, we add etp tM reaps of these defy calelatiorra to amve at r pedaic firerrce drarge for eadr aegrrera. We add tp the malts from eadr trapnaM to arrive at the total pedodc firarrce drerge ter goer atsarn. To gat the daily belerrce for earn aegnau of year smash, we take the ttegimirrg balance for each segmaa ant add arrtyry new transactions ant any periods firrarxxi drarge raletleted on the previous days balance for that sevnerx. We then abtrect arty peymaxa a cradta pasted as of test day that are albrated to that segmaa. Tfwa gives ea ttw asparete deny balance for eadr segment of your atcnesa. However, if you d Mae Now Balance shown on your gravies aelenrart in I (or If your row balance was zere a a cedt arrteearti. row trerraectiorra which poet m yoes pexdase or aprrdd pureiwae sagnerrts are rvY adt1M m the daffy helarv:es. We celalsta the average daily talerroe bV addng ell the daily bslarrcea togaher and dvidrg the sun by the ntnrber of the days n the earem btMing cYde. To ralatlete year tae! finerrce large, rm1tiPIV Vour average defy 6alaroe by the elegy perio3c rote and by the norther of days in tea bifiirrg periM. fate m rtsavirrg m a daily basis, them msy be a sight variarra between this eatetlatien and the amoead of firer>ce drerge acasfiy assessed. 6. Ii the code Z or N appears m the from of this aateman next to 'Balance Rate Appled To,' vve melelply the R489M Imporrfartt Notice: Your payment will ba credited to your account as of tea data we receive it, provided you send tea bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five i5) business days for postal delivery. Payments received by us at any other bcation or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 555600-0] A SPECIAL OFFER FOR Capita/iDy~' CARDHOLDERS VALUED CARDHOLDER Rewards Coupon ISSUED TO: DEBORAH L GRAHAM 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 SlAldld~ EdIlI0fl1 Appointment Books The new 2003 Appointment Book's spacious week-in-view calendar pro- vides plenty of room for all of your appointments, reminders, birthdays and anniversaries. The flexible 2003 pocket diary is the perfect companion-take it everywhere you go. Regulazly priced at $24.95 and $14.95-now only $5! Montefiore~^ Fine Writing Instruments You've seen prestigious pens like these in stores selling for $65 or more. These aze backed by the Montefiore Lifetime Guarantee! At only $5 each, you can own The World's Best Pen at The World's Best Price. C1SC capital Q~• VISA GOLD ACCOUNT 4388-6418-2716-8845 Account Sum Previous Balance E2.71 Payments, Credits and Adp~srments E5.71 Transactions E6.03 Finance Charges E.00 New Balance E3.03 Minimum Amount Due E3.03 Payment Due Date August 27, 2002 Total Credit Line E700 Total Available Credit E6%.97 Credit Line for Cash E700 Available Credit for Cash E6%.97 At your service Te call Cnatorner Relations or to report a lost or stolen card: 1-800-903-3637 For free online scooant service and special mstemrt effero, log on te: www.capitalone,mm Send paymenn fe: Send Nowrxs t0: Attu Remittance Processing Capital One Services Capital One Swiars P.O. Box x5]47 P.O. Box 850]5 Richmond, VA 21276 Richmond, VA 23 155-5 0 15 JUN 28 - JUL 27, 2002 Page 1 of 1 Payments, Credits and Adjustments 1 O8 JTII, PAYMENT RECEIVED -THANK YOU E2.71- 2 26 JUL MONTHLY MEMBERSHIPFEE ADJUSTMENT' 3.00- Traf>sactions 3 27 JUL MONTHLY MEMBERSHIP FEE 4 27 JUL PAYMENT PROTECTION 1-888-527-6904 E6.00 .03 Finance Charges P/aarasa rcuerrc ride, fo- irxportant~inflon~xlati'~on Balanrrrate Pestiaarir .fP ~6 l:tifiKf~il; ag61a1to sir R PURCHASES 3.00 .04123%P 15.05% 3.00 CASH 3.00 .04123%P ]5.05% 5.00 ANNUAL PERCENTAGE RATE applied this period 0.0096 8785M • PLEASE RETURN PORTION BELOW WITH PAYMENT. One' 0000000 0 4388641827168845 27 0003030002710003030 New Balance. E3.03 Minimum Amount Due E3.03 Payment Due Date August 27, 2002 Total enclosed E ~-~ Pharr Print address rl mt6rs brlau ruing bGr or btant uv.~ Setter Ap[ ;r City Sn~ ZIP Home Phone Alamsoe Phone ~ #9020925817229110# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Box 85147 ~ ~ 902 ALLENVIEW DR Richmond, VA 23276 ~` ~ MECHANICSBURG PA 17055-8604 ao ra 0 ~u~s~u~~us~s~~ns~s~~n~~us~~ns~~ns~~us~~us~~su~~us~ ° ~ ~us~~~us~~~uu~s~n~s~s~n~u~~u~~uu~u~~~uus~s~u~s~~ Plenre write your a~rount number on your r1x~~F m money order made payable M (vital One 13an.t and mail in the endared envelope. r Please send me the items I have indicated. I will pay $5.00" for each book/pen. [f I choose to monogram, 1 will pay an additional $3.75 for each hook and $1.50 for each pen. Send my selections to: DEBORAH L GRAHAM 902 AT,I,ENV[EW DR MECHANTCSBURG PA 17055604 Please charge my Capital One° account number: 4388 6418 2116 8845 Signature (Valid only with full signawre) I authorise CaPiul Oar «r furwarJ this coupon on my behalf to the company that ptvvides this praluct. Detach at perforation end return in your remittance envelope. MoNOCaAM tr! Add up to three initials. l elegantly embossed on your SCR Appointment Books, Pocket Diaries, and Pcns. A groat touch for giN.s! li ar_ atatri ii' a>_ t~ aaa~ Na' ar_ ~_ ~_ aaaaaaal taaaaa~ aaaaa~ ~_ 1 a~ 8 O O ~ °s tp N N Hardbound Appointment Book • Desk-sized 7%i x 9", 208 pages • Black cover with gold embossing • Gold satin bookmark ribbon • Often-used reference information • A different Amerkan travel destination featured each month • Full color maps of the world • Regularly sells la 524.95 Flexible Pocket Diary • Slim 3%i x 6%i , 160 pages • Black cover with gold embossing • Gold satin bookmark ribbon • Protective metal corners • Weekry appointment spreads • Useful reference information • Perfect for handbag or briefcase • Regularly sells for 514.95 Appointment Book & Pocket Disry~anly 55.00 each CHECK ONF.: Monogram your book(s) ^ Appointment Book & ie eleNarl Nold•tonr! Pocket Diary SeI 33733-787 Indicate up m) initials hue: Appointment Ratk 337(11-793 ^ Pocket Diary 33779-803 - Order Addi[boalc as GBts roc Farolly and F'rknds~5.00 Eacb • Appointment Rtx>!t-How Many^ 3381 I • Pocket Diary-How Many! _33829 (Reaar neat: Cafl Mssu twnna le mom m d.r ^ SPECIAL NONU$! (hxk here «a au«wnatiatlly rerroive new editirm(s) each year of the swne hnv price, ant enjoy big savings every yua' Montefiore Fine Writing Inslrumenls • Exceptional quality, style, and craftsmanship • Classic design, available in Rallerball or Ballpoint styles • Color choice of black, burgundy marble or blue marble • Solid brass & rich enamel finish with gold-tone accents • Precisery balanced for the most comfortable feel • FREE gift box with every BallpoinURollerball set! BaNpoint Pen-X5.00, Rolkrball Pets-f5.00 Drt4CRIPf10N Qty Cukx Ctakce 91ack, Ru Plot Olxiuttal Nonoanun lu,IU 31Nn'ulsj Ballpoint & Rttllerba6 SET mTH met BaT sax 47019-07h t P B ll i - - - ro a po n 47035-092 _ Rdkrball Pen - - - 47043-100 •nusS2.97 rdI Em1t5197 seen an Its dsppinr ad dnlaq.Iwpimb sake tas recce roc Nr rerlermr. scow 1a saJn Ia OaMry Oood oMj in IM US.: ro UwJU.,an,r money ardwa; auhpd b milt aplsMa. 02002 Ceeal OM Sarurrec, Ina. G9aa One k a letlMyy n94breo snvkw nary Ix npMa resrned e)'sepatlirp ro tkr dkr. you r~r M COmmuniuaq inlamaaMaOal yaurseM ro me canprtr tna pw+en aw pnavot-br sample, Md you an a Capra) One Carahdeer. eohky-karmenn carpaawn k sakN nspariaela to ma roles ana a cwt amkaa won Geld pro. Gpea des mn not Iradr, e"aorse a C1 SC 9uxanb aM odes a sarwce awwn naa. Poe in9dws a a yW wleh ro ua cocoa eratln rare, tall 1-e06M5-IOBS. Surgd Ediliwa and au4~ an IradwYrla W MbM)-karmam CupaaGOn www.eolaymn ppeedoek roe. To obtain tM average daffy Mlaroe for 1M tiNing period covered by 4tia naiematt, v,Ie take tM hegimng halartce of colt aeptiem rrh day. add anY new transanian to each segmem, and s6trad any paymalta or credos. (lt 1M code N appeere m the tram et tits natemtsm next to 'Balance Rate Applied To; wa also stbtrem any tapaid irtarre large irtluded in tM hNartce of eatll aegmatt.) Thfa gieea n IM daily balance of each aegmerat. Ttrn we add tp aN tM dally halanoes for earn aegnern for the filling pedal and dvide by the total nunber of days in tM biainp period. This ¢vea us tM averse daily balance of rtiv attgmern. 3. AmtY Prto~t6pa Ralaa CAPRI. e. TM term 'Arrxtal Percemage Kato' may appear as •APR• an iM from of lf»a natematt. b. If the rode P (Pekoe), L ti-mo. LIBOR), C (Cerdtirate of Deposit), a S tBanlpcard Prime) appears on tM from of this nateman next to rite perlodc rate(s), the pedock rates and correspaldrtg ANNUAL PERCENiAOE RATES may vary t)ttanedy and may increase or decreer Magid on tM stated irtdees, as tatM in The Well SVeer .borne/, plus the margn previady dadesed to yet. These dangae vplN M effective an the Aret day of your tilting pedal covered by your pedadc nnemem coring in the memlta Jaruary, April, Jtiyy and October. c. If rite rode D (Ptknel, F (tyrro. LIBON) or O (3irto. LIBOR Repriced Mttnttiy) appears an tM lrertt o1 your natemalt next to tM pedadc rate(s), da Dododc cafes and mrreaperdng ANNUAL PERCENTAGE RATES may vary manttiy aM may Increase or degrease Magid m 1M stated indces, as ford in The Wal street Jetrral, plus 1M margin PrevltxdY dsdmed to you. These dartgRa vdN M efkctive on the fret daY of yotx tiNirtg period each march. 4. Asarrrarv M Lair, Ovrarrla rM Rsarrtad Pryrrrlt Frs. Vote eneetrv wM M aeeasaad ro more tMn two of the fees Hated trace that otxxa dtaetg arty HNklg period. llrtder the tams of ytxr aatttmer agraetrterrt. we rescue the right to waive a tot to sees arty far widest txior rtadru'ation m witfmta vvait'f^g our d~tt ro caw rite same or similar M a Mter date. 5. Yaa Aamrv. If a memberehip ine appears on the teary of Ws tvaterrterr, you Mve 30 days from rite data ilia tvatenerv was mailed to you to staid peyfrtg rite fee a ro Favor ach tae cradled to you if you rand ytttr etmux. Dtaktg tHa period, you may cervktta ro tree yeta arYrirY wMtna MMrtg to PRY [fie mtvrlMraltip fee. To carted year aggarv, you rotor rtodly is by cling our (Srnortter Relation Depemrartt acrd payypttr New Balartt>a in ftN (etcJtxfrtg the rrterttbersip fee) aria to the gird of the th)rtV~Y Derkd- B. N Yau C r Vrtrr Artart. YRU ran re¢1BBt to does yyoouurr aantnt by rdAng cur t3iatamar Fadetlora Depamnart. Vcu moat denroy your credt urdts/ and acoarn attar dtecka, rartrd ar proatafodzed hiNkag, and omr t~ittg yea 9ocarrt. If you tb oat rartcel prrtatndzed Mktg artertgatrterss, wa wiN maldRr rttgalpt of a roMrge yota ataladzstfen m reopen Yyoouurr acceun. AdddaaNy, Your agency tMa net M eieaeA tnA Vat PaV aN amevva Volt owe ce irtludrtg: any trsaectiara you Mve ettdnrized, firlartGe darges, pest doe flies, otrerlkni[ fees, ranrrlad payment fees, raBFa sdvarve fees and arty other fees asrered to year accetrtt. Vou am re~oraible for rites amarvs vlatMr they appear m yea errnrr n the time yet regtast to dose the atmtnt or they are irtlyrred et6ae¢tertt ro yea ra4taty ro dose tM at>cetnt. TFis may teal[ in dtxrgas apptatfng girl ytxtr e[:re' last after Yea MYa your egrnant if h Ms dreatfy Men lased. For tnatrtple. tf you ataftodzed a ptalaae fierrt a rnrdterc and wa receive the trerrectlon from the merdtarv after you at~tzv Ftas been dosed, your etxotav wNl M reeperled, t)te emtxrlt a the large wNl be added to ytxa scmtav, acrd you will M reapOrathla fw peymertt. If [Mre is a martMrsHp fee fa year amaav, da foe wNl tbrttlrlta ro M tlarr~~ppaedd~~ to the ederv pamtmed by law, trill the arxptrv bslertra Ma bean pad ro kl ea cleaned above. 7. Uskta Vac Aaansv.Vaur card or accarrt carrtm M tread h txartettion with eery irsatrat gemhirtg trenectiora. n. Natiea Abort Elraaatis Claadk Carvrskn. When you provide a rYtack ea peyntax, you Rlrltodze n tidar to use (nfdmatian from your deck to make a tiro-time dearmic turd tranfer from yax bank aaotrtt or ro process the paymtam ee a deck trartractitn When vane use information from Vottr check to make en dactronic rtnd treraTer, ktrtds may M widdrewn tram your Mnk accwx as span as the same ley we receive ynx payman, and you will rot rttceive your cheek back fnm yax flrtertdal ktednaion. BILLING RIGHTS SUMMARY (In Case Ot Errors Or Otasdarta Abaa Vaur Ftilq If yttu think your hip is wrong, or it ytw need more infomatitn on a vartsacdm or biN, write to tts on a eePerate abet ee soon as pasWe n the eddreae for irtgtides sltotnrl an tM from of iha nnemem. We moat Mar from you ro Ines than a0 dayWs after we aem you tM scat till on vtittlt da error ar pratiem appeared. Vou un call our Customer Relation amMr, but tldrtg tto wia rat preserve your d¢na In Yaa letter, glue r rte ldktwing in7ormatlem yeta came and eccerrtt arrlMr, tM ddlar amarrt of tM stterteetted error, a descdpdm of tM error and an r9trplaradan, H pessitie, of why you believe tMre la an error; or it you reed more inionnntan, a descdpdan o1 tM hem you are areas span. Vpu do rot Mee to pay any amaum in quealion while we are ktvtsadgad h, but you are still ahligafed m pay the pane of your ti~1Mt are not in queatim. While eve nveetigete your rVteeticn, we rerrwt report you ea rlelirtgttertt or take any action to eeNem iM amatlm you rlttesdan. S,t' Special Rule For Cradt Card Purchases If you Mee a prehlem taiUt the quality of property er aenicea that yet purchased vdtft a credt card and yes Mee tiled in good faith to coned 1M prehlam vMh tM merd,am, yet[ may lave the right net to pay tM remairing amanl due m the propesty d feMcea. You Mve the protection sly wltert Nte parlor price was mere 4an 850.00 and the purchase was made in War home state or within 100 miles of your maiNrlg address. Ili we awn or operate tfa mercham, er it we mailed you tM adverdeemem br the p cry or services, aN purrheses are covered regardesa of amours or location o1 ptaehaae.) please remember to elfin all correaportdertce. t does roc aDPN b coturarar ron~rJedit card ecrants t Gees roc apply m bus,iless zm-credit card ecmrotts Capital One atrppona infttrmalion Privacy Prutectim: see w weMite n www.cceepptteelane.can. Capital On is a laderally re~tered service mark of Caphal One Fnstdal Corporation. All d¢ns reserved. 0 2003 Capital One Ol LOLBAK I . Hoav To Avid A Fetsreor Orpa. t a. t:}aea P~fsd. Vou will Mve a miNmtm grace pedal of 25 days wMtax Stance dtatge on new purdteses, crew Mlartre tranafare, rttnv apedel ptxcheaea end taw other datgea if ytxt pay yore total 'New Balartoe', in accordance with the Mtpottaa Notice for payments below, and in date for h to M credited bV your raid ffiatemem daairaN date. There is ro gate period on cash advertora end special trarefere. h adddan, dare h ro grace period m arty trertaection rf you do rot pay the total 'Noes Mlata>:.' b. Aoaetirp Fnaar Qaspa. Trertaactien whip are not ~lar-'t to s grace period ere essas®d firtertre charge 11 from rite date of the trtartsecttert a 2) iron the date the treraetxion is progeased to Vot+ Atrauv a 31 iron the first ralertdar day of the txrrent HNkt~ period. Adddmally, if you rid rot pay the 'Now Balsrtce from dta prevbta piling pedal in kll, tkterx's darges rerldna to arcnle to your trtpaid baleroe tail the trtpafd talanee is paid in kit. T14s mrare flat yrxl may sh7 owe Iktsrtce darges, even if Y~ Pay the entire Now Belartra irltficettd an the fray of your ^ntvrtem by the rtes ateterrterv dosing date, bt[ rid eta do sb for rite previaa malt. lJrtpeid itnrtre dtargas em added to the appNceda tragruarY of Voter Atxotrv. t c. Mirlkruan Fitatea~~gqtlteetedrtga. For each diing pedal that tour gN4N(~kCFtlgAeht)E ofraBgO~i aMpp~kiitrp~oaad. Ifytohter attic Bret (s) tale lase ttan 90.60, vue wIN atb~rad that enfant from the 80.50 miNrtt[m and tM dfftaertre will M hiNed to the pun3tese.aegrtna of yota acoarv. 'r d. Tarrpnartr RatfuaBat n FFaanoa (riarpa. We resertre tM ~, rompe_~aseeas ores or aN tkarrs charges Tea any given 2 Avrsgs Dray BaWar f~tokt~p Haw Ptadrsrsl. e. Rnnre barge fa relalated by mtitlpying tM daily Mlartge of each aegrnent of year egretnt (e.g., cash advarx>B, purdasa, apedM trerafer, gird spell pttrdase) try tM corrrpatdrtg daily petirtdk: rne{a1 that Ma been preNp[dy detioead ro you. At tM gird of raedt de dtakg the tiNirtg period. we apdY ~ daffy petrodc rate for rdt aegttera a your aeretn to tfa l~eii~yagltalaroe of taadt To~tfaar leiy eicdnlatfaa t pemve n yn~r t~ peritxfk: kartce large for rdt sagrter><- We add t>p tM resits ham colt aegnent m arrive at tM tool pedodc Nnrlce large for your accotrtt. To get the daily belartce for earn segmerv et yore agency, we take the Mgiming Mlartce for each aegrt'aent end add arry raw tranatsion and any pedodc firartce charge rdtxlned on the previous day's balance for that aapaterx. We then stthtretx eny peytrteaa a tradts pttered r of that ley that are dlerated to riot aegrtem. This give n 1M attparate daffy balance fa salt aegnent of your agrnaY. LlotNaver, if ypu acrd tM Near Balance shown m yea prevlaa statenartt in ft/I (or if your raw balance was zero a a credt arnarvl, stew trertsection vvftidt Pot ro War ptadaee or spell percher segnama am rot added ro rite daffy belartces. We calalare tfa average daffy Mlartre by addrg aN the daily balances rogadter gird dvidng tla sm Iry the ember of tta days in tM alrrarr biirtg cyde. To ralasare yea oval anartre large, mtlUply Vnr average dMV belertce by the daffy pedodc rate acrd by Ute rxntbar of days in tM hieing pedal. Due to rartdxtg m a daily poets, tMre may M e aligfv vadertce hettaraert ttas ukalation gird tM tenant of Arartce tdsarge acnaNy creased. h. It ttte code Z w N appears m 1M tears of this aratemem ro>a to 'Bdartce Rata AppNtd To,' we mtltiply the t37R5M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five f5} business days for postal delivery. Payments received by us at any other location or in another form may not be credRed the same day we receive them. Our business days are Nbnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Save up to 70% on Life insurance As your life changes, so do your insurance needs. For more information, call toll free 1-866-843-5357 mention keycode RQ300 or visit www.CapitalOnelife.com Protecting the future of your family has never been more affordable. Get free life insurance quotes from more than 20 providers at no obligation. You select the best rate. It's a quick and simple way to shop for and purchase life insurance 24-hours-a-day. Don't deloy -respond by October I5. CapitalQ~• insurance agency See how much you can wve ~ ) Capital Q~~ VISA GOLD ACCOUNT 4388-6418-2716-8845 Account S Previous Balance E3.03 Payments, Credits and Adjustments E53.00 Transactions E744.61 Finance Chagos E.00 New Balance E694.64 Minitnum Amount Due E20.00 Payment Due Date September 27, 2002 Total Credit Line E700 Total Available Credit E5.36 Credit Line for Cash E700 Available Credit for Cash E5.36 At your service To call Customer Relatiom or to report a lost or stolen card 1-840-903-3637 For fra online account amriee and special evstomrr offers, log on to: wsvsv.capimlontrnm Send payments to: Send inquiries to: Aare Resnittana Processing Capital One Services Capital One Services P.O. Box x5147 P.O. Box fl5015 Richmond, VA Yi276 Richmond, VA 232A.S-5015 1?fiA4S Priam friNaddrrn el mr6rs brrou, rsrug blur e~ blanE ds,~ ~~~~ 0000000 0 4388641827168845 27 0694640050000020009 New BalanrE E694.64 Minimum Amount Due E20.00 Payment Due Date September 27, 2002 Total enclosed E 558zoo-oi 0.0096 srr~c Apc r City Snae Zip Home Phone Alo~naae Phone ~ #9024025817229115# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Box 85147 ~ iiiiiiiiiiiiC 902 ALLENVIEW DR Richmond, VA 23276 N ~ MECHANICSBURG PA 17055-8604 ~u~s~n~~ns~t~~us~s~~n~~us~~m~~ut~~ns~~nt~~us~~us~ ° L ~ur~~~us~iiuu~r~u~t~t~n~uiiui~uu~ni~~nut~s~u~s~~ Pleare vmte your ar~unt number on your clank m money order made payable to Capital One Ban,F and mail in tlx rnclared rnvelopr. • PLEASE RETURN PORTION BELOW WITH PAYMENT. Payments, Credits and Adjustments powered by ~® ~~~ JUL 28 -AUG 27, 2002 Page 1 of 2 1 20 AUG 2 26 AUG Trarrsactions PAYMENT RECEIVED -THANK YOU MONTHLY MEMBERSHIP FEE ADJUSTMENT 550.00- 3.00- 3 04 AUG AMES DEPT STOR00010397 CAMP HILL PA E137.06 4 05 AUG GETTY 67642001 CAMPHILL PA 19.96 5 05 AUG MECHANICBURG CARPET MA MECHANICSBURG PA 18.23 6 06 AUG UNI-MART (104229 LEMOYNE PA 14.60 7 06 AUG BED BATH # BEYOND N271 HARRISBURG PA 39.08 8 06 AUG HUNAN EXPRESS MECHANICSBURG PA 23.80 9 07 AUG SPRINGMAID FACTORY #53 HERSHEY PA 78.23 10 07 AUG GIANT FOOD STORE #120 MECHANICSBUR PA 15.00 li OS AUG EASHS TOWING & SALVAGE LEBANON PA 233.20 12 09 AUG GETTY 67642001 CAMPHILL PA 4.46 13 09 AUG GETTY 67642001 CAMPHILL PA 12.80 14 10 AUG TURKEY-HILL #~O1A0 MECHANICSBURG PA 22.35 15 18 AUG TURKEY-HILL NO2A0 MECHANICSBURG PA 10.00 16 22 AUG BOSCOVS M012 CAMP HILL PA 63.72 17 23 AUG BOSCOV'S N012 CAMP HILL PA 39.99 18 27 AUC CAPITAL ONE MONTHLY MEMBER FEE 6.00 19 27 AUG PAYMENT PROTECTION i-688-527-6904 6.13 Capital One has joined with Progressive Auto Inm,nne•r ~ thcy can provide you a fast, free raze quote with no obligation? Call 1-877-397-5374! You could save E400" by comparing rates. Mettuon code P700. `Possible savings based on rate variance of antmali?.ed comparison razes calctdated by Progres~ve on calls received from 6h/O1-12131/01(excluding variances greaser than E1000). Rates and actual savings will vary based on driving record, vehicle, address and other Factors. Finance Charges Pkarc.ra reuerre ridgy for important infwrnrrtiors Rdannrotr Periaorsr Car~syondmg ~AlClir: goplirdto rote dPR PURCHASES >ti00 .0412396P 15.0596 t.00 CASH >;.00 .04123%P 15.0996 f.00 ANNUAL PERCENTAGE RATE applied this period r Capital One®Insurance agency brings you the power to make smart insurance choices. The Capital One Insurance Agency and ReliaQuotee are committed to providing you with great values in life insurance. In minutes, you can get a Free, no-obligation quote for quality, affordable term life insurance. ReliaQuote is rated "Best of The Web" by Forbes Magazine and "#1 online insurance broker" bySmortMoney. For more information, call toll free i-866-843-5357 mention keycode RQ300 or visit www.CapitaloneLife.com AYO olio "Bost O? The Web" "r1 online Ineurenee broker'' - Forbes Magazine SmartMoney Magazine t~ t_ t• t• t_ eFi t_ t_ r~ r~ ~~ r~ ~~ r~ t_ 8 o O ~ N w See how you can save up to 70% 10-Year L.evelTerm Life Insurance Male/Female Monthly Premiums - No Nicotine $250,000 $500,000 Age Male Female Male Female 35 $10.33 $9.19 $16.19 534.00 40 $13.30 $11.64 $22.32 $18.82 45 $19.43 $16.63 $35.57 $22.88 50 $29.49 $22.32 $54.69 $40.25 55 $44.89 $32.12 $85.32 $59.94 ® zooz Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. ppeedadic rate. To obtain the avenge daily balance for the tlllkp pedal covered by this autemem, we take the hegimng feelanoe of each aepnerd each day, add any new tnreaciiers m eadt fegnmt, aril abtrecl any paymada or cradle. Ill the cede N appears m the ham of thta atatemaa rext to "Balance Rate Applied Te,' wa also atinract arty trpaid finance charge irttltded in the hsartre of each aeynan.) TNa given u the daily belartce of each aegnern. Then we add ry all the daily belanoea for eadl aegmem ter the billing period and dvlde by dta reel nrrrber o1 day, in the hiring period. This gives ro the average dory lalartoe of oath agtterrt. 3. Arad Rreareapa Rata rAPR1. a. The tens 'Amsl Peroawege Rate' may appear as 'APR' m the from of 2Na tnatemart. b. If the cede P IPdrnl, L 13-mo. LIB(Nt), C ICertlfirate of Deposk), or S (Bankurd Pdme) eppeam m the from of 1Fis natemern rent to the pedode ratelsl, the pedodc rates and mrreapatdng ANNUAL PERCENTAGE RATES may vary quenedy and may increase or decrease 6aaed m the anted trtdoes, as fend in TAe wed SVeer Jornea/, plus the margin prevfataly darJOaed to you. These dtenpea will be effective m the first day et your tilling period covered by your pedadc atatemem ending in the malts January, April, JJy arxl October. c. If the code D (Primal, F 11 ono. LIBOR) a G /3Krto. LIBOR Repriced MonlNy) eppran m the has ai year atatemern next to the pedadc totals), the pedodr. retea and correapardng ANNUAL PERCENTAGE RATES may very mashy erxl may increase a decrease based m the antes irtdeea, a iolyd in The wee street Jotrnel, ors the margin Pre~~Y dadeeed ie you. These rhen9ea will be efbctlve m the first day of your filling paned eatlt mall. 4. Aaasasrrrrt W Lets, Ovrrrrrr aril RaMtd Paymrt Fsa. Your epmlrt wit be asaeaed no more then two of the teas rrtad here that omw dulp arW HIWB period. lJrtdar the tams of yaw arr[oneer agraerteant, we reserve the right to waive or not to asaea arW fees atatoew prior roriliration m wMnrt vativhp aw rids ro asa>es the same a similar at a Mter time. 5. You Aeeatst. If a membeahip tae appears m the from of Utla statemers, Veu have 30 days tram the date Ws sta[emert wee mated ro you to avoid MVltg the fee a to have surJt fee cradled to you if you rareod your amaat. Dtskp this Pedal, You may cprdrsn to nee yrttu eabtrt tAAdeat hevinp to peV the menbership fee: To rarteel yew etxalrt, yvu inns nodiy lee by ra4rp our Ctatatter Relnrors Department aril pay 11 New Balarae le flN (eeailydrp the mern6eraft pwfee) prfa m the end of the tHrtyday period. B. M Yau Clog Yrsr Aomrt. You ran re¢ss ro close yye~s aanlnt by caYng ou Cuataner Rdat)orr Depentrtem. Vpu rust destroy you rmtdt collie) aril aanrrt amass rltecka, rated dl preartFadzed hilYaeq, aril ,xiea yaw camas. If you do rot rand preauthodzed burp amanpemems, we will mnaider receipt of a rllerge V~ artltodzadon to reopen yynntr atxxxrt. AdddortallY. Vac amass wi rot 6e rJoaed Irsr you PaY aA emarta you owe to ktrJlydn~ arty tnrteerborts you Inve eutnrized, lltattn dnrga, Pact due tea, ovedmk fee., ren,rnd payment fees. teen advsece fees aril arty otter fees asseaed to yaw arrant. van an resporrhle for tFtese mreolrsa wltattrr they appear m Yaw arrnrw n tl,e dine ynu request to tyoae the atxxartt a they era irtasred atrbaegrram to yew re¢ras ro does the armlet. THs may real[ ir, your etxaaa if k has aFready bean closed. For exanple, if yet arwfndzed a ptwolsae from s mexrlnrtt aril we receive the tnraaetlm from the rren9wx after your arrrlnt Fta been desad, yaw attars vttr he raeperted, the amarrt of the dtage wIN be added to your eabint, all you wrl be resportefhle for paymen. If there is a membership fee for ydx aooaas, the fee wlr corxkare to to darrp~aadd. to the ee¢em (eemthted by law, usil the amoral balerae has heae pail in fur es deflred above. 7. Usip You Acmrrt.Veu card er arrnrd umol he reed ke rur>ectipre with arty kxemet gamdirp tnrsecdas. 9. riblioe Abort F3sa6arb Clessk LbrrYaraisrt. When you provide a rlteek a peytrtert, yvu eulndze is efdter to use information from yar cheek to ensile a Otte-time electmtic ftrd trerefer from your berek ecralrt a m process the paymem ea a c}nck trsracllore. When we use informetlon tram You t3eeck to make are dectrertic ar,d tmrebr, itnde may be widdnwn from you baNl smart as aom as the same day we mceive yarlr paytreem, sail you vdl not reoaive yalr cheek back tram your firtaxiel irtetittsiat. DILLINr; RIGHTS SUMMARY lira Case Of C-rren Or Qreatiers Ahart Vour Bi10 If yw tNrtk your hill is wrap, or i1 Vro need more Intounatim m a usaectian or NII, write tp re an a separate sheet as soon ore ppable at the addrea for in¢ides sfawn m the from of 7Ns nnemem. We inlet hear tram you ro later tFtst A0 days abet we earn yvu the fins hill m urdrh the enor or problem appeared. You can call cur Cuatamer Rdafiam ember, bu doing ao wM rot preserve Your dada. b your letter, give IN the 1d1o1Airlg inlnrmafim~ year name and aaxart nrrrber, the dollar amotrd of the aspected error, a dacdpflm of the error arxl an explanetim, if peaihle, of wftY you hdieve there is an error; a 11 you need more inbrmanen, a deaedpfim et the keen Von are utawe abort. Von do rot have to pay any amain in question whre we are inveatiga rt, but you are still ehl{oeted to pay the pans of your that are not in queatim. le we inveatipste ycur questim, we rarrtot repot yw as delinquent er take any orrice to eerect the amore Van quealim. t,t Special Ikle For Credt Card Purchases It ynu have a problem with the quality of property or services that yw pwdtaeed with a credt card and you Mrs tiled in goad faith m correct the prehlem with the merd,am, you may Mve the d¢tt ram to pay the remaining smart due m the p ray a aerMres. Var have this protectlm sty when the purdxee price wee mom then 850.00 and the purrlsae tyres made in War Fame slate or witNn 100 miles et year meting address. fit we own or operate tl,e merrham, or if we mated you the adverfittemem for the Property a services, ar purchases are covered regerdea of amoud or lacafim of purchase.) Please rtxrtanher to slat all correspaderae. t mss rot ePMY ro rrnsrarner roe-credit card accaatts : mss rot eppry rn nuarne_4s ,rm aedd card acmeurs One atpporta intormatlon privacy praertipn: see our at www. ate.can. One is a rdly repiattired service mark of Capital iaxaal Corporation. A71 rt¢ns reserved. a 2003 One OILGLBAK lbw To Avid A Fitrtos (]rrpa. t a. Qraa Period. You will have a miNmum ghee period et 26 days witfnut fireerece rlnrge m new purrieeaes, craw belerae trerefars, row apeoel plwCleeses aril rtetN other rleergea if Vttu PeV Vttex total 'New Balsas', in eccordsrcs with ifn knportent Notice for peylrtaas below. and in doe for k to be t7edted by yaw ren entreats dae:tp date. There is ro grace parted m teen edvenrea and aperid trasfen. kt eddtkxe, there is no grace pedM m any trertser:tlan If you do mt pay the total New helartra. b. Aoanip Fleece Clvpa. Trartttectipne wtich era rer st~ect m a grace period en aaesead lleattxr rlnrge IY from the date of the [reresectien a 2) tram tin date the trareectlon Is procesad to yar Accarrt a 3) from the fiat ralereder day of the taurset birirp Addtiorelly, dyou rb not pay the -New Belertce the Previors birlp pedod in fill, ftnerece tlnrgee mrttirten to accrue to your upaid bekrene until the utpeid bderece b paid in fUl. TNa encore diet you mey stir owe flestoe riearges, even it Y~ Psi tin entire New BaIa11CB ledcattxl m tFn (rerw of r a do ao for the~previais lapaidROarrB rhergesd am added to the appM~ble segnerx of yaw Accarw. tc. MFelnen FitarrOS Clews. for each Hllirp period that your amoral ig abiact to a flreartre rlterpe, a mirirrnm total FNANCE CHgAeRGE ofrg50.50 will beeppirmrp~oneaand. Nytohuer pedode(sl leis las tlen 90.50, we wlr abtreet that armrw from the 90.50 mWrrrtm aril the dfftuanre YYir be hired to the prdaae aegr~m of ytwr aooart. t d. Tartpvary Radtralien in Fke~w durra. We reserve rite riglrt to not asset arty or all tinaoca charges far any given bilMreB a1. 2. Awrara D y BWess fYrsWnr New Plydrwsl•~il a. Ftrertee charge is relalated by rtnltiplying V balartre of all, sagrnaY of your aocarx (e.g., rash advartre, purdeaa, apedM trsrfar, aril apedel perrlrese) by the rnrrapaedrp daN Periods retelsl treat has been previady dedwad to you. At the aril of each day durlp the bilrrtg Deriod, we aPPIY ~ ddV Pabdc rate for earn aegnen a your corers m the d~e~~~lyy lalst® of each aegnen. Then n the aril of the brfrq period, we add w the reahf of tltae daily ralnletims to emus n padoda rrtartce tiesrge for each segrneret. We add rp the reatlts from retie atgrrea to arrive at the tool pedoda firnrta r3nrpe far you smart. To gat the daily bNsrece for eerie segmaot of your eooart, vile take tin 6edrxing bslarre for ride segmem end add eny craw trrtactittro end any rfodc llnnre dnrge rdtwlated m the previns day's ~reoe for the[ segnew. We tfnre subtract any paymems or r7adts posted a of that day Utat an allocated to that aegrnent. Thin fives re the separate daNy balance for cede segment of yaw axa+tt. Howatsr, if you paid ilea New Balers shown m yaw previous steternent in 1 for if your reeve belsae was Teen or a credt artrant), clew tnrreetiorr which poet m Your pexdsa or tpedd are din a tinge da~yy~~belartee by addrp e~~ IWe balartrns tagafnr std dvidrp the sun by the anther of the days in the awrarx blr'ng coda. To calculate your teal firerece d,arge, mtitlply your average daily belsttxe by the defy pedodc rate sad by the ember of days It the billing period. Due to randrp m a deify feeds, tine may be a srgls verism between the celaretien all the smart of flrtanta charge actlrary eaesaed. h. It the code Z a N appears m the tray o1 this statemrm next to 'Balance Rate Appred To,' vue nxhiply the . _ 12fiR4S Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia ar Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 4 DEBORAH L GRAHAM 9oz ALLENVIEW DR MECHANIC56URG PA z7oS5-66oy Pav To The Order of DEBORAH L ~Pj~0Yt6' Richmond, VA Memo CAPITAL PURCHASE CHECK 8347 68.677/5io zoo786 865 Date Expires September3o, zoo2 400.00 Dollars Cardholder Signature x:05 i006778~:865 i8 27 i688451i' 8347 ~~ ~~~ Use purchase checks like personal checks! Access your account quickly and conveniently! Hurry! Your purchase checks expire September 30, zoos. Thank you for choosing Capitall~• Preferred Cardholder Customer Relations: i-8oo-903-3637 www.capitalone.com 126845 DEBORAH L GRAHAM 902 ALLENVIEW DR MECHANICSBURG PAi7oS5-86oy Page 2 of 2 Enjoy this special Capital Purchase Check offer for Preferred Cardholders. RE: Your account number ending in 8845 DEBORAH L GRAHAM, Because you are a Preferred Cardholder at Capital One® we'd like to show you our appreciation. So, we're giving you two no-transaction-fee Capital Purchase Checks* to use however you'd like! Enjoy easy access to your account with these checks, especially where credit cards aze not accepted. Cover unexpected expenses, make home improvements, or even donate to your favorite chaziry. With no transaction fee and the same APR as purchases, you're sure to find plenty of ways to use them. The first check, which is made out to you, can be deposited to your bank account and used like cash. The other check is great for transferring balances from other accounts, such as retail or credit cards and loans. By consolidating debt into one payment, you'll have fewer checks to write each month-and more free time for you! Just be sure the total amount of your checks and other transactions doesn't exceed your available credit. We hope you'll enjoy your purchase checks. They aze our way of saying thank you for being a Capital One Preferred Cazdholder! Sincerely, ~- Robert M. Alexand~~ er' Senior Vice President P.S. Don't delay! These Capital Purchase Checks expire September 30> 2002. Take advantage of both of them today! `Please see the reverse side for the terms and conditions of using these checks. CAPITAL PURCHASE CHECK Pay To The Order Of ~~~Oi'te' Richmond, VA Memo zoo786 8348 68-677/5io zoo786 ~5 Date Expires September3o, sons Dollars Cardholder Signature x:05 i006778~:865 i8 27 ~688451i' 8348 v O z ~o m ~ m < ~_° m ~ om „' ~a T Z ~ D zO ~y r N_ Z G1 ~ 2 W cm ~r zf c~ m = ~ N r 2 m Answers to frequently asked questions Q: is there a transaction fee? A: There is absolutely no transaction fee for using purchase checks to access your Capital One account. Q: What interest rate will apply when 1 use my purchase checks? A: You will receive the same APR you currently enjoy on purchases. Q: Can I really use my purchase checks any way that I want? A: Yes, you can use your purchase checks for almost anything- whetheryou're shopping for new clothes, enjoying meals out or just want to have cash on hand. Another way to take advantage of your purchase checks is to consolidate debt from other credit cards and loans. Q: Why would I want to use my purchase checks to consolidate debt? m z 0 0 a N m x m z m A: You can save money by transferring balances from high- interestloans, department store, gasoline and other higher- rate credit cards to your Capital One card. In addition, by consolidating debt into one simple payment, you'll have fewer checks to write each month. Q: Where are purchase checks accepted? A: Purchase checks are accepted wherever you normally use your personal checks. You can even use them at places that don't accept credit cards. Q: Will my purchase checks ever expire? A: Yes, the expiration date is printed at the top of each purchase check. So, use them now for greater financial flexibility! * Important information regarding your checks: The attached checks will be treated as purchases according to the terms of your Customer Agreement and any amendments to is but may not qualify for any reward programs. The attached checks are subject to credit availability, so you must have the available credit on the day Capital Oae procesaes your check. Check acceptance is also subject to the current status of your account, and the check may not be processed if your account is restricted in any way, past due or in collections at the time it is processed. If the credit is unavailable or your account is not current, as stated, your check will be returned unpaid and you may be assessed a returned check fee. These checks cannot be used to pay down or pay off any Capital One account. Cashing these checks will qualify as using your account. All other account terms and conditions remain in full force and effect. 0 m © aoo~ Capitnf One Services, Inc. Capital One is a fedemlly registered service mark. Af( rights reserved. N Zs~s n t7 O z ~o m .~ ~~ m < ~? rn -~ om T - O N ~D T ; Z ~ a zp n y ~ _W Z ni ~ Z W cm ~r Z ~ c1 m= * y r Z m m z v 0 a N m x m m First 3 months half-price 1 ~ a month; ~.951m0. tllereattel' SIGN UP TODAII'! 1-87?-778-1207 a3 27168845 Mention Offer Code: ONYX Or visit www.peoplepc.rom/goJonyx CapitalQy~® Account S Previous Balance 1694.64 Payments, Credits and Adjustments 553.00 Transactions 552.12 Finance Charges 58.% New Balance 1702.72 Minimum Amount Due 521.00 Payment Due Date October 26, 2002 Total Credit Line 5700 Total Available Credit 5.00 Credit Line fm Cash 3700 Availahle Credit for Cash 5.00 At your service To call Customer Relations or to report a kat or stolen card: 1-800-903-3637 Fer fm online a,ronnt service and apedal astemer offers, log en to: xww.capimlone.rnm Send payments to: Sod inquiries to: Attn: Rernittatta Processing Capital One Sesvices Cspiml One Swiees P.O. Box 85147 P.O. Bex x50]5 Richmond, VA 23276 Richmond, VA 232x5-5015 4975 M VISA GOLD ACCOUN'T' 4388-6418-2716-8845 AUG 29 -SEP 27, 2002 Page 1 of 2 Payments, Credits and AdjustmentR 1 19 SEP PAYMENT RECEIVED -THANK YOU 550.00- 2 2fi SF.P MONTHLY MEMBERSHIP FEE ADJUSTMENT 3.00- Transactions 3 14 SEP UNI-MART M04229 I,F.MOYNE PA 515.00 4 16 SEP OVERLIMIT FEE 25.00 5 27 SEP CAPITAL ONE MONTHLY MEMBER FEE 6.00 6 27 SEP PAYMENT PROTECTION 1-888-527-6904 6.12 "°`Capihal One proudly supports the National Youth Anti-Drug Media Campaign. PARENTS. THE ANTI-DRUG. Stay Involved -Ask t2ttestions. To get the FREE booklet, 'Keeping Your Kids Drug-Free," call 1-900-788-2800 or visit www.TheAntiDrttg.com"' Capital One has joined with Progressive Auto Inauance so they can provide you a fast, free ratr quota with no obligation! Call 1-877-397-5374? You could save 5400' by comparing rates Mention cede P700.'Possible savings based on rate variancr of annualized comparison rates calculated by Progressive on sills rercived fmm 6/1/01-12131/01 (excluding variances greater than 51000). Rates and actual savings will vary based on driving record, vehicle, address and other factors. F'u,arrce Charges PJeare ra ret~errcJide fa imrortant infwnrrrtiors ---__ Rdmenrete Periade ConAP g l:ti~li!!. applirdto raFe R PURCHASES 1700.90 .0412396P 15.0596 S8.% CASH 1.00 .0412396P 15.09% X00 ANNUAL PERCENTAGE RATE applied this period 15.0596 • PLEASE RETURN PORTION BELOW WITH PAYMENT. Capita~iQ~~ 0000000 0 4388641827168845 27 0702720050000021008 New Balanct 5702.72 Mirtitntun Amount Due 521.00 Payment Due Dale October 26, 2002 Total enclosed i ~-~ A'eart pant adSrs ebmrars belatu rsing blue or blar,E So-rn Ape Y Cary Slue ZIP Home Fhone Alienate Phone ~ #9027125817229110# MAIL ID NUMBER Capital One Bank DfiBORAH L GRAHAM P.O. Box 85147 ~ .~ 902 ALLENVIEW DR Richmond, VA 23276 m ~ MECHANICSBURG PA 17055-8604 c ~n~r~it~~ut~r~~nr~r~~n~~tn~~nt~~nt~~iu~~tu~~ut~~ur~ ° ~ ~m~~~us~~~nn~~~n~s~t~n~u~~u~~uu~n~~~uut~t~n~t~~ Pleare rune 4(?88-6418-27168845 on yrna rlxrk w nronry ceder rnadepayabk to Capital Oru Ban~E and trail in tlx encloxd envel~r. cos peoplepc®online ~ Abetter way to Intemet. P1soplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months) ® Email Virus Protection ® Pop-Up BlockerT"" Spam Controls Smart Dialer ALLfEN~VIE~ MEC I~~(!1@~t~1 ~~504 r peoplepc®online ~/ Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAYI 1-877-778-1207 Mention Offer Code: ONYX Or visit www.peoplepc.com/go%nyx peoplepc is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse a guarantee, and is not affiliated with, any product a service shown here. Any trademark4 mentioned herein are solely owned by the respective enfity. All rights reserved. By responding to this offer, you may be commtnicatirlg information about ytwrseYf to the company that provides this product - fa example, that you are a Capital One customer. •peoplepc Ortine: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not tie redeemi~d with any other offer. Offer subject to change at any time. Phone technical support available fa $1.95 per minute. Fa questions, call toll free at 1-877-77&1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone till charges may appy, even dlrring trial perbds. You are responsible to deterrrining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Dial-uli numbers may be changed at PeopfePC~ disaetion. CoMlnuous use subject to timeout procedlxes. All use's subject to peoplepc Online's Services Agreement and Acceptable Use Policy 56K is the maximum speed of service; actual speed may vary. ~+ 2006 peoplepc Inc. A@ Rights Reserved. peoplepc Online and its logos are registered trademarks of peoplepc in the U.S. and other countries. ~ 20D6 Capital Orie Services, Inc. Capital One is a federally registered service mark. Aq rights reserved. For FASTEST service, order online at www.myicwiicstamp.com/cap O O rdl7 M r QO l N N ppeenadic rate. To obtain the average deNy hYarae for the billhg period covered by His natemert, vve take the hegimng balance of each eegmatt each daV, add any nevr trertaeetlen m Pwdt aegnrrtt, std auhtram anV payments or credo. (If the code N aPPeare en the frorH of this atatemem rext to 'Balance Rate Applied Te; we also sbtrem mY unpaid Nnarwe charge htluded in the balance of eaM aei~~tertt.) TFis gives us tfre daily bYarae e1 earfi segnem. T)rn we add rp aN the dailyy balarrcea Tor eadr aegnteret to the hilarrg period and dv(de by the total amber of days in the hNfing period. TNa gives. tee the average daily balarae of each aepnatt. 3. AuarY r4rtes (APRI- a. The tarot 'Auarel Parcaxege Rate' may appear as 'APR' m the from of ilia arelemem. b. If the code P (Prkrrel, L (3-rrre. UfyOR), C (Cerdflcate of Deposit), a S (Bankrard Prime) appears m the tram of this 8taiertlaH next m tfra pedadc stela), the pededu: rates aril mrrespadng ANNUAL PERCENTAGE RATES may vary t}rartedy aril may increase a decrease based an the elated indtsa, as fond in The Well Street .buns!, due the margin previously dretloled to you. These chanoea NIN be effective m the fleet day of yea billing period covered by your pedadc aretemem erring in the montfa Janrery, Ap(I, JJyy and October. c. If tfie mile D (Prhrel, F (1,rrso. r-rBOfe a G (3frto. LIBOR Repriced Morally) appears on the hue of your netemem neat to the pedadc mtele), the ped«fe rates aril correaporidng ANNUAL PERCENTAGE 17ATES may vary manHiy a may irorease or decrease based m the atefed irxicea, ae lard h The Web Sties? ,btrnsti due the margin prevfadV dsdosed to you. These Hbngea viii be efiecHva an the final day of your billing pried each mamh. 4. Asasstmttrr of Lary Ovrfimk ant RaWnad Paynrt Feae. Your accart wi he aseasasd ro mom than two of the tees Ifeled hem that oaxr during any tiling period, !!trier the terms of yes astonrer agreerrrent, we raearve tfia right to waive a rot to sasses eery fees wfHrar prior rotlaratfen to yar vAdtat weivkg our dgrs to aaaeae the same or Ymaar fees er a later time. 5.tRrrrwisp Yar Aotnas. If a mtatlarYip tae appears m the irorY of this Yatenterrt, yea have 30 days Iran the data this atarenterY was mailed to yea to avid peyhg the fee a to have each fee credited to yet if you sacral your accaiaH. Dirktg Iris period, you may rnratnre to use yar accam wfHiar fmvhg to pay tfre memberYip tae. To corral ytxr erretrtt, you mitst rtotliy roybay caYktg our Customer Relation Depertmam ~irtertther>fipsfoe) prfa to the end of (the th uy period. a. ff Veu Cbsa Yar Aaaraarl. You rare rettass m rJoee your acoant by ralirg our Ostomer Reladorta Department. You mist dasroy yxr ryedt card(s) and accairrt atxteaa dtacka, rams( aA prmisfarized bRig, and r~aae ~rg~~yotx ecrarart. If you do tnt rarad PrntBndzee iyang armnganxyMe, we wiN raneider receipt of a Hwge yrsr eirtnrizeHOn m reopen Vns iarON youyou paamaaie owe u frtdudingrJOaed trarteacHap you have audtodzed, finance Hterges, past due fees, ovedimit fees, mttarlad paymem fees, rash advance fees ant eery odtar fees eaaesaeH to yea eocant. You am reaparible fa [twee arrtorrra wfattrer Uay appear ar yw accent at the tkne you regttest to Hose the amaarc a they em iraixred aibsequan to yoir regreat m dose the arxaux. This maV resit h dvrrgea appesdrtg m your ercatnt afmr you have yors erx:aax it rt na already been closed Far exantde, if you atatarized a pudrsse horn a merchant aril we raoelva tfa trereacdm frvn the rrlardwtt sitar your atxant ns been Heaed, your atxbtrrt wNl he reopened, tfxs arrrorrrt of the Hwrge vviN n added m your atxan4 and yyoouu wNl ba reaportalhle for peymem. If there ie a mentberdiP fee for your scmrrt, the fee wW cortHntre to he Hteraad, to the eraau QercniHed by law. trrY the eornrnt errs has been pad h frl ea defied above. 7. thin Vat Aamnt.VOUr r~rd ar accam mat be h mrvtectiart with any irxemet gemhl(nN ttarvacHata. 8. firflaa A6aY Elaa6orria Omsk Lbararaor. When you pnerida a back as peymar, you atsfadze u eiHrer m use hfametion from yur Hleck m rake a ore-tkna electraric tilt! transfer from yar balk aoeoiaf[ a ro proceea the PaYmera as a Haack trerrettiien When we use hformation from your check m make an dectronie fad tranfer, finds rnaV be wNfdrawn from ytrix berii arxairit as aeon as the creme day we ttaiive yar peYmax, and you wifi rot rrsrnive yxr Hack heck harm Yarn finaraiel insHnrdon. BILLING RIGHTS SUMMARY pn Case OI Ercore Or Oianian Aban Veur BiIR If you thiMr your bib is wrong, u if you reed more Intemtalion m a trartsection or biN, write to ire ut a aeparete sheet ae soon as poaeibk at the addreae for irpuidea Yawn on the irem of the statsnart. We moat hear 7rom you ro later then (30 dayysa after we sent yxr the first NII on vltich the error or prehlem appeared, Vw can cell our Customer RYaHoru ember, bur ddng ao vtfi not preaerva your dgMa. h Veer lever, give ce the fefieWng intametion: your tracts end accaaH rantbar, the ddlar ameirrt et the smpected error, a deacdpdm of the error and an et~lanedm, If poaYtle, of why ynu believe there is an error; a if you need mere infemtahen, a deacdpHm of the hem you are usire abaci. Veu de rot have to pay any amarnt h gireatian wiiNe vie am inveatigelirg h, txs yar am still ahNgmed to pay the parts of yes d'N that are nm in gtreation. le vvs inveetigne your question, we rarctot report ynu ea ddin¢ratt ar take any sedan to raofiect the amour you Oueatien. t,'r Special Rule For Credh Card Purdteses Ii you have a problem vrith the quality of property er aervic® that you purcheaed with a eredt card and yar have tiled In good fahh to coned the problem with the merchem, you may have the dgrd not to pay the remairirq ameird due m the property a servlcas. Vou have this rotecaart anty wfren the pd~o 960.00 aril the purchase wap~a m de in yb~irr hems sta a or witMn 100 miles of your tnaifinp address. Ill we eve er operate the merdtartt, a if we maied you the advertiaemart ter the ProPenV or aervkea, afi purchases are covered regardless of amotm or bceHm of purrheae.) Rease rerrrartber to sign ell oorreapatdarce. t Ibes not apply b oatmurrer tae-rJedil cant scrams i Lbes rat apply is bua,vrecs rarrrledif card accounts privacy protection: see our eel aerviw mark of Capital tta reserved, ° 2003 01LGLBAK 1. Fiswr To Avoid A Fitrtoa f]rrya. te. 6aae Parlsd. Yeu via Mve a mirimrm grace period of 25 Mye witfaut fNtarae drarge m clew purchases. new belerae trertsfers, new special p1rt:Maea end now odrer rirarges if You pay ytxr total "Now BYarae", h accordtnce with lira Important Notice far peymatre below, Mrd in Tires for h to ba riedled by your next ataterrterY tloeing date. Tlare Is ro grace period in cash edvaraes and apedY trenfera h addhim, there Ia ro grace period on mY transaction if yar do rot pay the total 'New balatca.' b. Aoaritp Fitartae ~P. Transenian wfich am rat srhject m a grace period am esaea®d finance Htarga 1) from tta data of to tramcHort a 2) firm the data the trstsactien is prooeaeed to your Arrault a 3) from the first ralerdar rfeV of the arnarrt 6ipir~ period Addtimally, if you rid flat pay the `New Balance from the pmvhtra bifiirg peeled h fiN, thsrc dtargea rarairrre m aanre to yois aped helarrs iaWl the ispefd boleros is paid h fill. This mean dot you may stNl ewe Ikwae drergea, even it you pay the entire New arse indicated en the front of your s[atartat by the next atatemerit tloairg date, but did not de so for the preNaa march. llnpeid finsrrce tlarges are added to the ae9nent of your Agra. 'r c. Marharm FFr~gi. For earn tilling period that your aocoirs is s~er.'t m a firers rhagg, a mhkmm told RNANCE CFIAROE of X0.50 wfi1 be imposed. If the toW firrsrtce Harge reaJtlnp from the appicadon of yon pedodc rete[al a kas then 80 50. we wi arbtrect that entoirn from Hie ?0.50 minhsm ertd tfa dMaatce vviN be biNed to Hie pisdwe of yar arrairr. 't d. Tartporry Rabralim h~ (7rstys. We reserve the right to rot esaees stV a afi finrae Hrarges Tor any givtsi ~h0 period. 2. Avraga Daly atsrloa laakzdtia New Ardraassl. a. Rristce charge is celalated y exldplyng the dally helertce of ndi sus of your eaarr (e.Q., cash edvsrtra, pumheae, apadal trertefer, end apeaM pisctraae) bV to ~g deNY Perladc ride(s) Hat has been pravioirly darJoead m you. At tlta ad of each day during the 6iNirg padod, we npdy ea daly Parlodfc rote for arch aegrrua o your aooarm m the defiy bYeMa of eaHr aegntat. Then at the aril of the hNkrg period. vue add lp the mmha of these daily rala~atiorr to arrive et ytxr periods finrra Htarge for each rtegment. We add rp the reatlts from sash eagnerti to arrive at the total pedodc finrrx Hterge for ytru eamirrt. To get the dY1V bderae fa eetlt aegntarx of your aomint, wa take the beDUirg I1818rICe far eaHr eeprraY acid add eny raw trarmactiena des s ~t~o ~firlarra Htema ralaleted an to previus y' ttegrtax. We than sirbtrsct any payments a cred[a posted es of that day tfsat em eaecated m that srgnaa. This gives tffi to separate daNy bderae fu each segrrrers of your eecam, Flowever, if you the New Balarae dawn on you pmvkxrs smtelriarY h ell (or if your rew nlarae was zero a a credt rmant), new traruartien whits post ro ytxr ptrHrese or medal purdase seprrenss am eat edMd m the daNV bYarrcas. We celaiare the average deNy belanee hV eMng aN Hie daily belaraea together aril dvrdng the aim by the nmbar of the Mys h the current bfiNrtg cyda. To talaiare yes told daN Padodt~rste a, the ember of rya b~'dNng period Due to roiadng m s daily basis, Ham may he e finrtoe Hrarpa arxtlsNy assessed. atim eM to setae of b. I1 the rule 7 or N appears m the hart of His statemera nerd m 'Balance Rem Applied To,' wa traidoly the na rain Important Notice: Your payment will be credited tv your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia ar Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT, Please albw at least five (5) business days for postal delivery. Payments received by us at any other bcation or in another form may eat be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Reese do not use staples, paper clips, etc. when preparing your payment. i Knowledge is power Get the facts you need to make the right choices for your... account finances life Call Capital One® today to receive your account review and discover products and services that ft the way you live. Capital One delivers the right products for your individual needs. Know the Facts) Page 2 of 2 Personal reference code: 03254 • You are eligible for Dear DEBORAH L GRAHAM, special benefits Congratulations. As a Preferred Cardholder, you've qualified for a personal account review from Capital Onc. Plus, you'll have the opporcuniry to talk with a Capital One representative about special products designed to fit your • Capital One can help you lifestyle -and your budget. save money on ... You know that Capital One offers premier credit services, but you may not know that we are also your source for other financial services such as insurance, mortgages, auto financing and much more. As part of your -Home and Auto account review, you'll learn about premium product and service providers Reflnoncing that have been researched and selected as "Level of Excellence" partners by Capital One. All you have to do is call toll free 1-866-737-3772 and mention your -Life and Auto Insuronce personal reference code listed above. When you call, a Customer Relations Associate will provide: • An assessment of how your account is working for you - and Credit Protection • A review of your benefits • Answers to questions you have about your account SerVICES • Recommendations for a service or product specifically suited to your needs • An opportunity to choose a solution that works for you Call Capital One today and discover value for your finances and your life. You'll see that we're more than just credit cards; we're your complete solution for savings and convenience. Call before October 31, 2002 to receive your personal consultation and continue to look for valuable products and Call toll free today. services from Capital One. 1-866-73 7-3 772 Sincerely, Monday -Friday, ~~'-/~s''L B:OOam -10:OOpm l=T J. Alan Berson Offer expires October, zooz Senior Vice President, Capital One 4975M P.S. Now you have one source for your financial and service needs - Capital One. Call today and mention your personal reference code. zooez~ We're more than just a Call toll free 1-866-737-3772 today credit card company. for a free personal account review and customized product offers. We're your financial solution. FREE~REVIEW ~'apitalQ~~ what's in your wapet7'" '~_ ~+"" ^.~ ~~ ~r- ~~ ^~ ~,~y !' .- ~' .r- 0 m cv 497~M DEBORAH L GRAHAM, YOU COULD SAVE UP TO ~'~~~' ON AUTO INSURANCE WITH ONE PHONE CALL See reverse for details -- Capital Q~® VISA GOLD ACCOUNT 4388-6418-2716-8845 Account Previous Balance 5702.72 Payments, Credits and Adjustments 553.00 Transactions 580.87 Finance Charges 5922 New Balance 2739.81 Minimum Amount Drte 539.81 Paymern Due Date November 27, 2002 Total Credit Line 1700 Total Available Credit 5.00 Credit Line for Cash 5700 Available Credit for Cash f.00 At yow service Te cell Customer Relations or to report a lost or stolen lard: 1-800-903-3637 Fer free online acmuM swig and special automrr offer, log on to: www.cepitalonemm Send payments to: Attn: Remittance Processing Capital One Swim P.O. Box 85147 Richmond, VA 23276 4592M CapitalQ~• Send inquiries to: Capital One Swim P.O. Box 85015 Richmond, VA 23285-5015 SEP 28 - OCT 27, 2002 Page 1 of 1 Payments, Credits and Adµatments 1 23 OCT PAYMENT`RECEIVED -THANK YOU 550.00- 2 26 OCT MONTHLY MEMBERSHIPFEE ADJUSTMENT 3.00- Transactions 3 07 OCT LINENS N THINGS N281 CAMP HILL PA =43.43 4 09 OCT OVERLIMIT FEE 25.00 S 27 OCT CAPITAL ONE MONTHLY MEMBER FEE 6.00 6 27 OCT PAYMENT PROTECTION 1-888-527-6904 6.44 Capital One has joined with Progressive Auto Inauanre so they tart provide you a fast, free rate quote with no obligation! Call 1-877-3'YI-5374! You could save 5400' by comparing rates. Mention code P700. `Passible sadtngs based on rate variance of annualized comparison rates catnilated by Progressive on ells received from 6/1/O1-12!31/01(excluding variances greater than 51000). Rates and acntal savings wid vary based on driving record, vehicle, address and other facial Finance Charges Pkata.rx reverretidtfa important infonaation t3dmsar~e PFriadir C.anrspandng "~- /~~I~ y6plirdto r~r APPR 1( PURCHASES 1745.01 .04tY396P 15.0596 19.22 CASH 1.00 .04123%P 15.45% 1.00 ANNUAL PERCENTAGE RATE applied this period 15.0596 • PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 0 4388641827168845 27 0739810050000039816 New Balance 5739.81 Minunum Amount Due 539.81 Payment Due Date November 27, 2002 Total enclosed 5 sic apes Gty s~ zm Horne Phone Alretmr< Phone #9030025817229117# MAIL ID NUMBER ~_ DEBORAH L GRAHAM 902 ALLENVIEW DR Capital One Bank ro ~ P.O. Box 85147 rn ~ MECHANICSBURG PA 17055-8604 Richmond, VA 23276 `n ~ a~ ~u~s~n~~nr~r~~m~r~~u~~m~~ur~~nr~~m~~m~~ur~~nr~ ° ~ ~m~~~nr~~~nn~r~u~r~t~u~u~~u~~uu~u~~~uur~r~u~s~~ Pleare wih 4(?88-6418 27168845 on yn,v duck or monry order made~ayable to C~.ital Oru Bank mrd mail in thr enclared emielope. PYraer print adairu rhms6rs brlam raingblur a b1a:+F ilea r DEBORAH L GRAHAM, A few minutes of your time could be worth up to $400: Call Progressive today at P/~OGREll/UEa AUTO /NSUHANCE Insurance products are provided aM underwrYlen try, and aro the exclusive obligatbn of Progressive Amedran Ins. Co., Progre9aNe AutoPro Ins. Go., Progre9aNe Casualty Ins. Co., Progressive Classic Ins. Co., Progressive County Mutual Ire. Co., Progressive Halcyon Ina. Co., Progressive Hawaii Ire. Corp, Progressive Marathon Ins. Co., Progressive Max Ins. Co., Progressive Michigan Ire. Co., Progressive Mounain Ins. Co., Pmgreasive Mountain Laurel Ina. Co., Progrestuve NoMrtastem Ins. Go., ProgressNe Northam Ina. Co., Progressive NoraMestrm Ina. Co., Progressive Pebveme Ire. Co., ProgressNe Prefened Ins. Co., Progressive Seaaay Ins. Co., Progressive Specielry Ins. Co., Prog. West Ins. Co. Heetlquenered kt Mayfieltl Village, OH. Nd available in all slates or situations. Insurance produda are rat Capkal Ono' products and ere rat offered by Capital One or by any of its affiliates, except where appllrabb DY Capital One Insurance Agenry. Specific IeaNros era options may vary and may not be available in all &abs. Appficank are individually underwrillen end some irMivldrals may rat ypaify. Your rledabn ro purchase Insurance antl your choice of an insurer or agent wfil have no eeect on your eligibiNly for any CapYsl One product or serviw. INSURANCE PRODUCTS ARE NOT DEPOSITS, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY AND NOT GUARANTEED BY CAPITAL ONE. YYYYYYY~ S r>_ YYY~ 8 o d O m r O ~ N (Please mention Key Code P339) ppeeriodic rate. To obtain the average daey balance for the 6ilfing Ftedod covered by this MMemart, we take the heglmnp balance of each ttegmdtt eadt riot, add ant new traraamittns m mM segment, aM sumsm any payments ar credits. Ilf tra code N appears an the tram of this rtaiemem red tp 'Detente Rate Applied Te; we also subtract any repaid lkarae dterge ktduded in the helarrce of each aepnem.) This glues us the daily balance et each aegmert. Then, we add tp all lire daily balartas ter eaM aegttem for the billing period and dvide 6y the total nunher of days in the Dieing per{ad. 7Na gives us the average rfeYy balance 01 each segnerc. 3. Arraal Mrerttgs Rates IAPRI. a. The term 'Arraal Pomereage Rate' may appear ea 'APR' an the from of this Matemem. b. If the rode P (Patio), L 13-mo. UBORI, C (Certificate of Deposit), a S IBankcard Prime) appears m the from of tNs Matemttm rata to the periedc stets), the pedrdic rMes and oorrespardng ANNUAL PERCENTAGE RATES may vary attertely and may Increase or dtxrmae based on tfa stated irtdcee, as land in The Wid Street Jaurne% plus the margin previaudy dtrdarted to you. These tlra11pP9 vMY be effective en the ArM day of your hilYng pedM covered by your pedodc statemaa eltdng in the manes January, April, Joyy and October. c. If the code D (Prkrtel, F (t yrto. LIBOfi) or O (3yrro. LIBOR RBPr~d Morrdiy) appeere m the harm of your rtatemerrt text to the padadc stele), the pedodc rates and rorseportirtg ANMIAL PERCENTAGE RATES may vary monWy aMM may kterceae er dcerrase beard m tM stated indoes, m toad n TAe War street .Aartuf, plus the margin previortdy dadosad to you. These changes will be eHectlve m the Aral daV of your NIYng period milt month. 4. AtaaKnirrt of Lttea, Ovrirrrit arW RiCntsd Payarlt Fsse. Your screirN Teti 6e saaeaiad ro more then two of the fees Yrted here flat orottr drrktg any bury period. llrtdar the terms of yar atatarar agrearial, wa reserve the right to waive a rot m eselms arty fees wAdtottt prior rodfiradm to yrat witlxiil waiving our dgfl m assaaa the same or similar fees M a Inter date. 5.tR~awirta tar Assasrt. If a memherelip fee appears an the frpnt of Iris atMariaa, yet fave 30 days frerrt the date this stettrrtar[ was mated to You to avid peyktg rite fee rc to have ^tdt fee created to you if You rental your accent. Utrlrtg this pelts, you may rxtrrdnte m iue your erretnt initltoia Mtirtg to pay the menberelip fee. To rartcel your arxxxn[, you natal rtaify u try rairtg par Customer Reletians Dapertmem era pay yotr Now Bdartce' in hit (etrditdrtg the mervrieraHp Teel prior m tta eM of the 1Nrry~faV pedM. 0. H You peas tar Aaoairt. You ran rayrtart to dace yax acmii by ceNing oru Qtemrrter Raletiora Deparmtera. Vou tsar dwtmy yar area[ totals) ad eeeelltt BflE' Be dleCke, rarlr~l 8Y pfe9laiadzed DIIYfIg, and cmae your eoonrs. If ycu do rot rartoel praelMadzed arsrtgemteris, we wit rxrtsirler receipt of s darge your stttltMzation to arooirit. AdddaaYV. Vat avant u,A rot ha dpeerl ttriY you PaV aY amrtrtrtts ypu owe u irrdudrtg: am/ [sraacdortl you have aMndzad, tkartro rYtergee, Past due fees, evedNYt fine, reamed peymerc fees. cash advance tens and arty Dater fees saieeaed to your avant. You as reapaaihle for these amoums wktedter they appear m Vvr trrxxsrs M the tkne you ra¢tea[ to does the aoonett or they are irrnrrad ^thea4tarc m Your re¢tert to deee da arrant. TTria may salt in riarpas eppearktg an your octant after you lave your ersootnt if h has already been dosed. For example, if you eudtMzed a ptxdteae from a merrherc and we reroive the trartaecrian tram the merdarc after yar aecnatt tree been t9osnd, yeti smetaY alt to raoperad, tla amdnt of the darrggae twit he added to Yrwr eccazrt, aM you wYl be resporteihle for payment. If there is a menrberehip tae for yar arxxxrt, the tea wIY tarckste ro be riartrad, 20 the rtttterc pemltted bV few, urcY the ttrrelatt rtrx has been paid h aN es dafirad above. 7. lJaig Yar Aasant.Vrtur card or acrotrtt ramot he used kt rorvactien with arty irttemM {ynnDYng treraacdora. 8. Nstiei /)hers Eleaitririe CJtaik gym. When you preNda a dtrtek ae peynterc, you artttarize to eider to use fnfomation tram yotr aleck to make a ons-time electroric end tsrefer tram your bank arspirt a to prorY:ae rite peVrrterx es a aleck trnrsaction. When w: tree inTmnation from yar aleck to make art dectrrrric kid traitafar, fords may x whhdrewn from ymtr bank 9ocazl as soon ea the same day voe receive your payrttertt, and you wNl rat receive yar dock back tiers your firtartdel irrrtittMon. BILLING RIGHTS Sl1MMARY firs Case OI Brore Or Grteaeera Abaft Yaur Bile It Yzxt tHnk your 6iY is wrong, or if you rrr>ed more inbmaem on a tsraectian pr bill, wrhe to ire on a aepaste tltaet m soon ea poeelDle at the address far irtgtides show[ an the from of this rtetrmam. We moat [tear from you ro later than e0 dayyss after we sent yet the firrt hill on vvltich the error or praNem appeared. Yau can call six Cttslamer RelMioro rxmber, but doing so ieip not Qreaerue your dgMa. M Your letter, f7w u the lplktwing mMmaeon: ytxr name and actatM rcinher, ttte tidier amorrtt of the tntnpertied error, a deaelptien of the error and an explaratim, If poasltle, of why you helktre there is an error; or it ypu need more intomatran, a drxcdptitn of the hem you as orate ahan. Vau tto rat have to pay any amaua in giaMfan whle we as inveatigednp h, httt you as MiN ehlige~ed to pay lira parts of year h'll that as ran in queMian. WHIe we nveaegeto your tlueadan, vwe r~ratot report you a9 ddirrgrtertt or take any action to caeect the smarts you queatim. t,t Special Rile For Credit Card Purchases I1 ypu have a proNem wilt rite quefity of progeny or aertAcea that you purdaeed vufttt a treat card and you have tiled in gttM faith fa romffct the pradem with the merdam, you may have the tight not to pay the remaidng amrtum due to the propemy rc seMrYls. Vou have this protecean oilyy when the purchefe pace wee mos flan 960.00 and the purchase was made in your Fxme Mate or within 100 milm of your melting address. Ilt we own or operate the merrYam, er it tare mailed you the adverearnteM ter the property or services, sY purchases are covered regardese of amartt or location of purdteae.) Rinse remember to sign all rorreaportderw:e. 'r ADe-s eOt aPNY to canstrner rtorrcre~! card accounts t Ones net apply m bustheas port-crrx/N card octants One tapporta infOntaliert privacy prtmectidn: ace our at www. arte.tam. One is a rally rogtstared service mark of Caphal artist Corporation. All dgMa reserved. a 2003 One 01 LGLBAK ~' a. Qracs Prtiod. You will have a mirimun grace period of 25 deYS without tkarae dterge an sew pun9resas, rtew helartce transfers, rtaw apadel purdases erN new etlter dtargea If Y"ou PaY Vour trial 'New Belartce', in acmnfsrtce with rite Importarc Notice for peynterxs below, and kt rime for h to bs created by ypur irate Mataners doeirtg date. There is ro graro period rn cash advertroa ertd spedN tsraiera. M addden, there is ro grate pedM m any tremactipn if ypu do rot pay the told 'New belartro.' b. Aaalritp Pianos t7targa. Traneacdana whidt are rat abiert to a grace period ere assesaM firtarre dtarge 11 tiers the date of the trarteactim er 21 from the date the transaction re processed to yotr Attars or 31 from the filet raladar day of the tartar[ 6fNitp oil. Adddortelly, if you rid rot pay the 'New Balance the previous hllirg pedM in Tr1, fnartre rYargas tmante m errnrt to y~ vpeie lalar~ irdl tta uipeie lalertce is paid fn rut. TNs means that you msy slit owe frtartr~ drergea, even if You Pet the entire Now Belertca irtdce[ed an the frartt of yeti arettmterc try the next tletemers tioektg date, tea rid rot do so for the pretlolte merlh. lApeid fimrtro charges a2 added t0 lire HBg1n8fY Of yar Aanrnt. ~'c. Miiam Fitrraa .for mrh hieing period that your a®int Is autject to a Iktstce dtarge, a mkrimum total RPIANCE CHARGE of 90.50 wYl be imposed. If the total ertartce dtarge realdrq fiom tiro appYradat of your pedttr&: rate(s) is leas then 80.50. we Y riithtrrrct that errioirrt from the 90.50 rnirtinxm end the dffererta wit 6e bled to the purdrase ~gr~rtt of yar ariaral. td. Ttrrpvsy Rtidrdiai it Fntnos Clnrys. We reserve the right to nor esaese any or aY tkartce dtarges for arty given fiiYktg peded 2. Awrtips DW 9al~tes Iawi~rtp Nsrrr Nrdtaiasl. a. Rrterttx darge is calalated 6y muhiplying the daily belartro of mat aeprierc of your arsaint (e.g., rash arfvartce, purdtme, aperid trera/er, and apttdel punYtase) bV fla ~Y Pe~c rate(al that has been previoidy derJeaed to ypu At tla era of earn de during the biNirtg period, we apply the degy pedodc rata for each aegnerrr of your erxxxsl m the deYyy 6alartce of eadt aegrrteri. Then at the end of the tiYlrtg period, wt add tp the results of tltme rfeYy talalatiorts to amve M pedorlic tkwrra rYarge fw eadt segtterc. We aM ttp tM resole iron eadt segment to emus M the total pedorie finart[g rYrerge for your aanrxtt. To get the daily balance for earn aegrari of your trrxxxnt, wB take the begkrtirtg belartce for mat segment and add annyy new trertsetxlora aM any deck fitartce rrierige ralalMed m tta previous days ~rtce Tor [tat aegrters. we then subtract any psyrrarla a treats pasted as of riot day that ere allocated to that aegnerc. This given ro the argterme daily belarce for eadt segrtertt of your accent. However, If you the New Ba18ftCe slaw[ art Your prevforts lMarterx kt I for if yar new helertoa was zero rc a treat rtrttarsl, newt trertaectiera atrial port ro your pixrlwe or apedd purdaee aegnerrts ere rot added m the daYy 6alartces. We rakatleta rite average deYy balance by adlrg eY rite daily balsrtces together and dvidng Ara sin try the nether of the days in the axrrlrt biYirg eyrie. To celntlMe your teal finertee charge, aaNiply Yorr average risYy belertre try the daAy perioric ste era by the nanber of days in the biNing period. Ufa to roistdrtg on a daily beds, rhea may M a ttYght vadertce between tlis cekxtlation and the amrtux of erertre cMrpe avtaYy eaeesaed. b. If the code Z or N appeas on the tiara o1 this statemela next to 'Balance Rsoa Applied To; vve mrtltiply the 4592M to see if you could save! ' Possible savings based on rate vadartce of annualized oompedson rates rAlalated DY Progressive an toes received from 1/1/02~/30/02. Rates and actual savings wit vary based on driving record, vehicle, address and other factors. BY responding to this Deer, you may be communicatirg imomation about yoursee to the company that provides mis product-for example, that you are a Gepeal One customer ©2002 Capital One Services, Inc. Capital One is a federally registered servk:e mark. All rights reserved. Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the encbsed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to cur Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five i5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. eo le cTM~ online p p p ~ Abetter way to Internet. • ~~ ~'' Surf up to •. 5x fasfier~ ~ ~ FREE Acce/eratbor roc ar. come tsmoMltst-a ~BO.s4xf 1-888-587-9689 ~` ~ ~ ~ ~ Mention Offer Code: COIN a~ Vsit www.peoplepc.com/golcoin UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by symantec'"' ® Pop-Up Blockerr"^ `~ Spam Controls ® Smarter Smart Dialer Technology ®~ More Email Addresses ®~ Internet Call Waiting Capital ~~s VISA GOLD ACCOUNT 4388-6418-2716-8845 Account Predsmts Balance =739.81 Payments, Credits and Adjtutments 183.00 Transactions 111.90 Finance Charges 19.18 OCT 28 - NOV 27, 2002 Page 1 of 1 Payments, Credits and Adjustments 1 18 NOV PAYMENT RECEIVED -THANK YOU 180.00- 2 26 NOV MONTHLY MEMBERSHIP FEE ADJUSTMENT 3.00- Transactions New Balance 1677.89 3 27 NOV CAPITAL ONE MONTHLY MEMBER FEE Minimum Amount Due 120.00 4 27 NOV PAYMENT PROTECTION 1-888-527-6904 Payment Due Date December 27, 2002 Total Credit Line 1700 Total Available Credit 122.11 Credit Line for Cash 1700 Available Credit for Cash 122.11 At your service To call Customer Reladom or to report a lost or stolen card: 1-500-903-3637 For free online account service and spedal ttutomer offer, log on to: www.capnalonnmm Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Services Caporal One Servics P.O. Box flS147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Immrlant Account Information Who should be the college football National Mascot of the Year? You help deerde! Visit www.capitalonebowl.com today to cast yon wte far one of the 12 finalists. Then be cue to tune into ABC to watch the Capital One Bow] on Jamtary ], 2003, to see who won! N a 16.00 5.90 Finance Charges Pkattra retkrrtrrdtfor important infrnmation Salaanrmlr R+iodr g opplirdio rarr Ptmct-IASFS s7tsss .a4t2lAGP Is.os96 s9.ts cases s.oo .0412396P Is.as~ s.oo ANNUAL PERCENTAGE RATE applied this period 15.0596 • PLEASE RETURN PORTION BELOW WITH PAYMENT. ~~~~~~'• 0000000 0 4388641827168845 27 0677890080000020005 New BalancE 1677.89 Minimum Amount Due 120.00 Payment 1T>e I?ate December 27, 2002 Total enclosexl 1 RimeP^"t aa~rsr e1 mr6ts bdan, rm»g blur or Mark nt~E so-e:t apt r City Scree 2iP Home Phone Altenute Phone #9033225817229110# MAIL ID NUMBER DEBORAH L GRAHAM Capital One Bank ~ ~ 902 ALLENVIEW DR P.O. Box 85147 ro ~ MECHANICSBURG PA 17055-8604 Richmond, VA 23276 '^ ~ w ~ jnjsjttjjntjtjjutjtjjnjjtujjntjjntjjtujjtujjutjjnij ° jutjjjutjjjnnjtjnjtjt~njujju~~nu~n~~~tnn~t~n~t~~ Pleare wcite4388-6418-27168845 ore ynrv dick ~ monry order rwdeipayabli to Capital Inc RanF mrd mail in the tnclmcd ernielope r peoplepcr~ online u Abetter way to Intemet. UNLIMITED INTERNET ACCESS . 1-888-581-9669 .. • Mention Offer Code: COIN Visit www.peoplepc.comlgo/coin PeoplePC is solely responsible fa ttds offer, and is cwt affiliated with Capild One Capital One does not provide, endorse a guarantee, and is rat affiliated with, any product a service shovm here. Arty trademarks mentioned Iterate are solely owned by the respective entity. All rights reserved. By resporl6ng to this offer, you may be communicating information abort yourself to the company that provides tftie product - fa example, that you are a Capital One custmter. 'PeoplePC Ordine: First 3 months are frilled al 34.97 per month; 59.95 per month thereafter. Offer available tc new dial-up aubsaibere at least t 8 years of age and may rat be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for 31.95 per minute. tAcceltaata is free For 12 months. gfix good fa limited lima After the {Net 12 months, the Accderded service will autontaticalry revert to the standard PeoplePC Downs service Otter subject to change at artyNme. With PeoploPC OMka Acceerated, certain Web page text and graphics wiA load faster when cortpared to standard Gal-up Intemet service. Actual results may vary. PeoplePC Online Atxxlerated b ony compatible with PeoplePC ONlne Intemet service and epedfied Windowb'® brovrcers. F'eoplePC Online Accelerated K rtot compatible wNh WNtdowa® 85 vnth IE 5.5 $P2. Service not available in aq areas. Aaeas fees, taxes, and oMer fees and reeUictiorts may appry. Tdephone tat charges may appty, even during trial periods. You are rasponrrble fa dderminmg whether a call to one td our aaxfes numbers wit rmult in tdepMrte till charges. Access may be limited, especialry during tknes M peak usage. Dial-up numbers may tx changed at PacpIaPCB decretion. Conbnuoua use subject to timeout plocedtaea, AI use is subject to PecplePC Ordinate Services Ageertierst and Atxxiptable Use Poky SBK is the maximum speed of service; actual speed may vary. ®2805 PeoplePC Inc. All lights f?eserved. PeopkPC Ordure and its logos era trademarks d PeoplePC in the U.S. and other cotatriee. 0 2005 Capital One Services, Nrc. Captal One Is a tederalty registered tlaNce mark All rights reserved. 8 O ~ O I M I p~edodc rate. To obtain the average daffy balance br the hillig petted covered bV ttla atnemad, we take the be'4mn9 hdartce of eadr segmem each day, add any new trereactieru to each segrnant, and dtbtrect any ytneraa or credta. Ili the code N appears an the tram ot~Mis sretrtmerd ren to 'Balance Rate Applied To; we also srsbtract any upaid flratxx dterge irtrhlded In the bdartce of each aegrnera.l Tftid gives to the easy halartce of each aepnerrt. Trren we add tp aN the daNyy balanced to each aegmem for the biding padad aril dvide by the trail camber of days in the tllNng ppded. This gives ua the average deity halartce of each segrnart. 3. AmW P~o~tapa RaNS fAPR4 e. The term 'Amel Peroerttaga Ram' may apprar ea 'APR' m the from of this datemem. b. If the rode P IPrirtal, L (3-mo. LIBOR), C (Certificate of Deposh), a S lBenkcard Pdrne) appears m the trertt of ttls natemart non m Use pededic retell), the periodc refed evil cemeaport6ng ANNUAL PER((;fNTAGE RATES may vary t)rtdrterly and may increase or decrease based m the stated indoea, ea land in The Wall Street Jaunal, phta the margin previady diadosed io ycu. These rtesnpea wfl bee ive m the flrn day a1 year hBling period mvared by year pedodc rtatemem endrg in the mantes Jaruery, AprN, JJy aril Octmer. c. If the rode D tPrirel, F (~~rro. LIBOR) or O (3~mo. LIBOR Repriced Mmttly) appeare m the lrerrt of your oarsman next to the pedadc retele), the pedadc rates aril mrrespatdrg ANNUAL PERCENTAGE RATES may vary morttNy aril may increase er deereeae hexed m the stated irdees, as faurd in The Wolf Srraei .Ianza4 plod the margin previoudy dadesed to you. These charges vNN ba etfactlve an the flret day of yaa tllNng period earfi madh. 4. Asttasamrtt M Late, OuarNntt ant Aslansd MNersrlt Foss. Vau eccersa wY be edeeaeed ro more than two of the fees Noted Fern clot ocau during ant ~rtg Dam. Under the terra of your atener apeemerrt, we caucus the right to waive a rot to avaea any fees sn4dtoru prior rotlflratlen to without wdvitg au right to assess the asrtte a similar n a later rims. 5. Yar Aooatrt. If a memberehip tae appears m the frorM of this atetemers, You Mve 30 days tram the date this datemertt was nteNed to you to eveid paying the fee a to have attch Pee ryerflted to you if you rand your ernolnt. ^trirg this period, V~ ~V mrtoktre m tae your arxbrss wilfvwt laving to pay the nlentberdvp fee. To correct your eabrrN, you mast nodfy u by rallktg cur Qe[arrer ReMt)ere Depadntent aril PBV ynur'New Balerlce- h TtN loxdrrdrg the nterrtharafip feel Pror m the ttrd of the thir[Y~Y Pe~• 9. H You Cbss Ypr Aoaant. You ran re[trest to rJosa yyaor arxaras by csllirtg our Coroner Reredos Departrnerrt. Veu mrat destroy yertr credt card(s) aril accost[ accem decks, rarxel aN preauFarized bNWg, ertd Deese ~!~Q~~yar arrant. K you do not rand Preaahodzen errtg artenBarnara., we vW mneidar receipt of s charge your atslnrizattm m raapen yar mmorrss. Ad3doraNY. Your aooasd vrW not hs rJoeed until You PaY eN errletsas You owe v irxidrg: arty trartaactiora you lave atahodzed, lilaloe dtsrgea, peat due fees, ovarWNt fees, retrstled peymerc tees, rash advarra fees aril arty other fees essedeed to your aceass. Vou are resporeltie for rheas morass taRleeter they appear m your aanrnt at the dale you raged to dose the erraaa a they em irtnured srf,ee4iara to yar regrast to does the errant. This may crate in daroas sooearklo on vac aocant after you lave Vox e®rra if h has already been dosed. For example, If you audadzed a purclaae from a rrvdtert aril we reraFve the trerrecden from the ttardars efmr yar aanrnt rtes been dosed, Your errant uAN be reopened, the emaaN of the large wW be adrlad m your acmes, end yyoouu will he reapereihle fa psytrertt. If there is a rrttmhereHp tae for your aooant, the Tee wIN mtdren m he tltamad, to the extern Pemitted by law, uaN the arrant belence hen been pad fn ail ea deanad ahme. 7. Yaa Aseant.Veur aril or ecrosn urrrm be in mrtectim with any ntemet pambFg trereaoiorra. 8. a61bs Alai EMalortb Chsok Carruarsisn. Wien you provide a dreelc r peprtern, you erstlrodze u eidter to use infomtetion from yax dock to make sand-trims dacttmic fund trerefer Tram Vour bank srs:ant a to process rite payment es a deck trsrtasrYten. When we r,e Infamatlm from yore dteclt m make an electro»c Tail trerafer, aside may le eadtdavvrt from Yeltr beNt arrant as soon ea the same day we receive you peymera, aril you wNl rot receive yrxs tlaek beck from you Martdal iredtraiat. BIWNG RIGHTS SUMMARY Iln Case Of Errata Or Otastiam Ahaa Vour Bile U You think year hill is wrong, or if you need mare inbnnadm m a trartsactim a hill, write to ue on a separate steel as soon ea pasdtle at the addre~ for lttgridd dawn m the frerd of this natenem. Wa mrad hear ban you ro later then a0 days after we sera you the first dN en talririr the error or problem appeared. You ran roll our t]sstaner Ndafiera aanber, teal doing so win rot preserve your rights. M your letter, give v the fdiowirg intomretiaa your name and accent nether, the ddlar amaad of the atrspoaed error, a description of rite error aril en exptartnion, it poaWle, of why you fsdleve there Is an error, or if you creed more inletmatran, a descripfien of the item you are uurre shoo. Vau do rot have to pay any amara in quvtbn whNe we are inveatigaerg d, but yw are still ahNaated to pay the pero of your hiN that are rat in queadon. k: tare inveatigata your gtrastien, we carrtot report you as ddin¢rern er take any action to ceNect the amoum you question. i,t Spr.dal Rule fbr Cre6t Card Purchases If you have a prehlem teitFr the quality of property or services that you purcheaed with a eredt cam evil you Fave tiled in good faith to correct the preblern with as metrfiars, you may have the right not to pay the remairirg arneua due m the ny a services. You have tF4s praemim edy wAen Me purdteae price was more then 950.00 and the putchese wee made in your Fume Hale er within 100 miles of year mailing address. IIt we own or operate the merdarn, or ii we mailed you the advertlaemem for the DrePertY or services, aN purdattea are covered regerdleas o1 amass er Iecaaan of ptrtiteae.) Please rememtar to sign aN mrrespertdatce. t Dees rot apply to oottsruner ran-rre~! card eccanrs 3 Lbes not apply !a ti..e;~acc ran-credi! carts accanls Ono attpporta informa6an pnvacy Protection: see our at www,ccaapp181ala.twrrt. One Is a tederdly reda[ered service mark of Capital iatdd Cerpereticn. I rights reaervetl. ~ 2003 One D7 LGL.B,4K tor. trYacs Period. Veu will have a mirimun grace period et 25 day witFtorR litartce dterge an new ptniases, new balartoe trarafers, rtttw apedd prudtsaea aril new other darges if you DeV W~ tad 'New Balertce', in etrorcMrtra with the Mportarc Notice for paymarua below, end in time for it m be credited by ytstu next ateterrtaa dosig dace. These is ro grarw period m rash advertces evil apedd traafere. h adadon, there 's ro ~rece period on arty trertaatxion rf you do rot pay the total Now balaroe.' b. Aoratrig Fives Ourga. Traruactiore ntiirh are rot st6ject to a grace period are assessed lktertce charge 1) fiom the date of the trertmr.~tim a 2) from the date the ireraar:rion is prooassed to Your Aocetsu a 3) iron the first raledar cloy of the nxras hiNir~ Adritiartdty, if you did rot pay the 'New Belatee the previars biNig period in kN, fatarra dargas rortNrttte to eccnte m yalr unpaid balatce rlttN the utpeid balance is paid in fill. This meare that you mey atiq owe firtartoe darpes, even if you pay the entire New edance ittdcated m the trot[[ of your ateterttent bV the rtext stattxstern tlreirg slate, but did not do to mr the previars malt. llrpeid flrerne dtargas ere addxl to the sagnent of yatr Acoaas. t' c. Mlrttmsn Fives .For earn bilNrg period that your acmru is attgect to a flrartce large, a mirtknun total FNANCE (]r-IgAeRGE ofn9g0.50 wIM heeppilio~poaed. Ifytdhex odc Bret tal~is less then 90.50, we viN ai6t~reet that amotnt iron the 90.50 ntirrinwm evil the dfferrxtce wiN be hiNed to rite purdtve sa~tta~t of yoru accaan. td. Tsnpa=yr RaAtallen In Fstrtes Chs-4a. We reserve the d~tt m era/ er ant Mnerr~e charges for erry given 2. AvoaWrv N DaiV Bsirwa f Naw Arafrassl• a. Rreroe large is rdraaated y mJtlplyirg the daily balartta of each segrrterx of ytttx arrant le.g., cesh edvertce, ptrdaae, dpedd transfer. aril apedd prudaae) bV the daily periodic ratelsl clot has been previaely d~to yw. At the evil of eadt ley dries the tlNkg period, we ePWV rite Gaily periodc rete Tor eecfi segntam of your aocant to the d~~e~~~~~lyy lalarrce of eerlr segmera. Then at the evil of the d~0 period, we add tp the resrts of trace deNy ralalatiaa to erdve m pedodc firers large Tor eacft 9etF/lent. We add tq the reerlta from eadt aegrnent to arrive et the tad pedaic flrertce dtarge fa you concoct. To get the deify balance ter earn segrvs of Vorlr eccautt, we take the bevmig bearta fppoeer aerh sagrnas and add a raw trenaecdore day'srnbelertce foraegmer~ We then srbtrect ~yy ae peymerto a credta pealed as of that illy that are dlerated to that aegrlern. Thin glues ce the aeperere drily talsx:e fa esrh segrtertt of your aonatt. Flowever, If you psld the New Rnlerrce dawn m your previws atatemat[ )n 1 (or if your raw halartce was zero a e coedit amasX), Dew treresctiora wFidt post to your purdaae or spedd purdase aegrleras are rot added m the deify balsrcea. We calculam the average deNy belerlm by adding aN the daily talartora tegeder std dvf3rg da sun by the mother of the days it tta axrars hiirsg cYde. To ralnaate year told firertce dlerge, naldply War average daNY belerra by the daily periodw: reta ant bV the martber of days In the biig period. Due m rdndirtg on a dally bads, there may be e light varfarxa hetweat dos ralastetian ant the entotM of firertce derge achally aeeeased. b. Ii the cads 2 a N appears m tM tram of tics atatemern recd m 'Bdarce {fate Appled To; we mrltiply rte _ _ 4521 M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement end your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET, Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please elbw at least five 15) business days for postal delivery. Payments received by us at any other location ar in another farm may not be credked the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. ~L~~ o le cr~ online ~ p p u Abetter way to Internet. ~ ~ ..! Surf up to r, , 5x faster-~- ~ FgtEE Accelerafior rorme rst ts~.~ 1-888-587-9669 r • • ~ Mention Offer Code: DOLLAR ~ Vsit www.peoplepc.com/go/dollar 003 UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered ay symantect" ® Pop-Up Blockerp"' ~A~"~~pam Controls ® Smarter Smart Dialer Technology ®~ More Email Addresses ®~ Internet Call Waiting Capital ~~• VISA GOLD ACCOUNT 4388-6418-2716-8845 Account S Previous Balance 1677.89 Payments, Credits and Adjturments 126.00 Transactions 1100.19 Finance Charges 18.69 New Balance 1758.77 Minimum Amount Due 156.77 Payment Due Date January 27, 2003 Total Credit Line 1700 Total Available Credit 5.00 Credit Line for Cash 5700 Available Credit for Cash E.00 At your service To caB Customer RehttiQtn or to report s lost or stolen card: 1-500-903-3637 For free online account servia and special atstemer offer, log on to: www.npitalonemm Send payments te. Send inquiries to: Attn: Remittance Processing Capital One Services Capital One Services P.O. Box x5147 P.O. flox 85015 Richmond, VA zi276 Richmond, VA 23285-5015 Imvortant Account Information It's Capital One Bowl Week time again! Tune in to ESPN, ESPN2, and ABC starting December 17 for the best in post-season college football action, to see }our favorite teams fight for bowl championships, and for college football's ultimate pri~c: the BCS National Championship. And on New Year's Day, be sue to tune into ABC to watch the Capital One Bowl live from Orlando, Florida! a Payments, Credits and Adjustments NOV 28 -DEC 27, 2002 Page 1 of 1 7 16 DEC PAYMENT RECEIVED -THANK YOU 125.00- 2 26 DEC MONTHLY MEMBERSHIP FEE ADJUSTMENT 3.00- Tran.9actione 3 29 NOV TURKEY-HILL M(Y140 MECHANICSBURG PA 117.80 4 20 DEC GIANT FOOD STORES #113 ENOLA PA 13.75 5 21 DEC LINENS N THINGS +1[281 CAMP HILL PA 15.00 6 22 DEC GIANT FOOD STORES #113 ENOLA PA 16.02 7 24 DEC OVERLIMiT FEE ~•~ 8 27 DEC CAPITAL ONE MONTHLY MEMBER FEE 6.00 9 27 DEC PAYMENT PROTECTION 1-888-527-6904 6.62 Finance Charges Pleartrel!r•viersaridefor:mpartanritrformatron Bdmurr~fi Periafic Car:d~er )~,~I.~I~ apf/icdto >atr APR _ laiAK PURCHA.SFS 5702.% .0412146P 15.x596 68.69 CASH 5.00 .0412396P 15.09% x00 ANNUAL PERCENTAGE RATE applied this period • PLEASE RETURN POR'T'ION BELOW WITH PAYMENT. ~'aP~~01'!e' 0000000 0 4388641827168845 27 0758770025000058772 New Balancr 1755.77 Mintmrun Amount Due 558.77 payment Due Date January 27, 2003 Total enclosed t AcmunrNrunber. 4389-64]8-2716-8845 R'earc frinf mailing addrar and~or r-~xai1 rJany~s Mloru uvixg bhar ar blmm~aEE in~E 15.05% Street Apc # Gry Sr~ee ZiP Home Pf»ne Alternate Phone Email Addic~s ~ #9036225817229117# MAIL ID NUMBER Capital One Bank m ~ DEBORAH L GRAHAM P.O. Box 85147 ~~~nr~~tun~t~~ttt~~ ,~ j 902 ALLENVIEW DR Richmond, VA 23276 ~ ~~ MECHANICSBURG PA 17055-8604 ~tr~r~n~~nt~t~~ut~r~~u~~ur~~nt~~nr~~ut~~ur~~nt~~ur~ ° ~ ~rrr~~~ut~~~uu~r~u~t~t~u~u~~u~~nn~n~~~unt~t~u~r~~ Plante vnitey~ur ar~~unt number anyouur checi or money ardor madepayab/e to Ca(~ita/ One Banff and mail in the entlaredentulo~e. r peoplepct~ online ~ Abetter way to Internet. UNLIMITED INTERNET ACCESS 1-888-587-9669 • • ' Mention Offer Code: DOLLAR Visit www.peoplepc.com/go/dollar PeoplePC is solely responsible for Mis offer, and is not al5liated with Capital One. Capital One does not provide, endorse or guarantee, and is not afiliated with, any product or service shown here. Any trademarks maMioned herein are solely awned by the respective entity. NI rghts reserved, By resportdktg to this offer, you rrray be cortmtinicating inomation about yourself to the company that provides this product - fa example, that you aro a Capital One cuatlaner. 'PeoplePC Onikte: First 3 months are billed at 64.97 per momh; S9.95 per month thereafter Offer available fo crew dial-tp subscribers at least 18 years of age and may cwt be redeemed with any other offer Offer subject to change et arty time. Phone technical support available fa 51.95 per minute. tAccelereta u free fa 12 months. Offer good is Iartited time. After the fret 12 tmMlts, the Accelxated service trill automaicalty revert to the standard PeoplePC Online service. Offer subject to change at anytime. With PtxtplePC Ovine Accelerated, certain Web page text and graphics wS bad faster when compared to standard dial-up IMemH service. Actual rasuNs may nary. PeoplePC Online Accelerated is amty compatible with PeoplePC Ovine Imematsixvice and specified Nhndows® browsers. PeoplePC Online Accelerated is not campa5bk with Wndov~ 95 verb IE 5.5 SP2. Service rat available in all arose Access fees, taxes, and other fees and re~ridions may apply Telephone td tdarges meY aPDty. even during trial periods. You are responsible fa determining whether a call fA one of our access numbers vril result h telephone tell charges. Access may be limited, t)spftclaiy during titres of peak usage. Dial-yt nulrbers may tk changed al PeoplePC's disoelion. CanGnuous use subject to Gmoatt procedtres. AI tree is subject to PeoplePC Oeline's Services Agneemertt and Atxxptable Use Policy. SfiK is the maxinam speed of service; aduel speed may vary. 0 2005 PeoplePC Inc. NI Rights Reserved. PeoplePC Online and its logos are traderrtaks of PeoplePC in the U.S and other countries. ® 2005 Capital One Services, Inc. Capaal One is a fediraiy registered service mark. NI rights reserved. t~ fi~ t~ ~~ ~~ t~ tttttttttt~ tt~ 8 ro ~ N N PROGRAM OETAILG Yotdl receive the 5rat drtery days of your seleaiarta free. While enjoying your free issues yadl receive a notice. If you de rot call to cercel your axant will M darged the araetal rate sMwn ninety days /ram when you make your sdectiarte for a total ai fiHeen months o/ testes. Arrarally lhereaNer, yaAl receive a nmice and will he charged the rate m the rorice o1 the rea year of issues unit you tell tta to atop. ANow lour to ten vreeks br magazines to stun. IOtaderNes may take lortger). Regardesa of when ya, elan reoeivfng your magazines, yotil always rticeive the firer rinmy days tree. There is ro diiggeelien to rxtnNrtue. GII to cereal anyy time aM receive a raked br all traerved issues. A valid credt ram is requred. Orders will M processed ttlrty days hen the et~iratim rive. NewStb Magazine SeMcea LLC four FNgh Ridge Park, Stamford, CT 06906 is the vender aM reserves the right to Nmlt quemhfea. Otteatierts er to retreat cell tell free at 1-800.927.9371. Any trademarks mendaned herein are adely owned by the reapeetlvw em All ri reserved. Capital One has ro aKliatim with aM does not endorse these rtor~credt card attltiea or pradicta. ®2002 Capital Qte SeMces, Inc., aM NewSUb Magezirte SeM~ Capital One is a federally registered service mark All rights reserved. NevV$ub Magazine SeMces LLC is adely rr;spatstle for the oiler aM is mt aKlieted wiM Capital One. Capital One does rat provide, endorse or gtaremee any product or aeMce Mown here. 8y respatdrq to rife offer, you will M commuti~ting the informatim rnmained m this cargan to New6t6 Magazire SeMcea LLC, vetich provides ttla grader -for example, tMt yttu am a pNnl Orte ctrstamer. 1. Fionr To Avoid A Fitertoe Chtgs. t a. Grsa Period. Yeu w(N Mve a mkimtm grace period of 75 rfayts witheY firartce charge m new purdases, new. 6alartce iterates, new spedel ptxdaees end new. other drergea if you pay Wtx total 'New Bdarrce', in aMe for delta herEdted by~yelrr ~Y~isow, closktg date. There is ro grace period m cash edvartr~a end apedal transfers. kt addtfon, there re ro grace period m any trertsection If you do not pay the final 'New halartoa.' b. Aea[rtg Fnatee Clvtgs. Traraactiona etich are not abject to a grera period era assessed lirterxzt drearge 1) from the date of the trareecdon a 2) from rite date the tratsartiian ie pronasaed to your Arxaum a 3) from the flret ralerdar day of the txirtam faNkt~ period. Addkiottally, if you del rot pay the 'New Belertce free the previors Itillirg period in kN, frtertce dargas cartdres to accrue to your urpeid baletra aril the repaid balance is paid in fill. Tfis means Utat you mayy afiN owe fracas dtarges, even if Var pay the txrire New Balertce irtdrated m the front of your aatemmt by the next cementer dosing Mte, but del rat do ae far the prevents ntntflt. llrpaid flrarce darges ere added to the segment of your Arxatrr. t c. Mirtirasn Fittrtae ring.. far each billing period that your arxzxart is atbjxt m a lktertce tberge, a minkrttm total RNANCE CFIAR(aE m 90.50 wNl be impoer~. If the told flrtertra therga resHirtg from the pplir of your periods rote(s) is less time 90.50, weave- iN a~6.tmract that amara free the 90.50 mirlmtm ad the dfferatce wiM be haled to the pudase ~rterx of your atxnttm. 't d. Terrpa~y ReAtelien in YF ones Onrps. We reserve the right to rot aseraa arty a aM firartca charges fa any given hiNktg period. 2 Average 0ttiy artartos flnekdrw Nsw AreMsssl. a. France dtarge Is caltaiated y mthiplying the daily balatoa of each segmax m your saran Ie.Q., sash adverse, purdtese, ttpedal transfer, aM speaal ptrdtase) by the rxrrresportdrtp daily periodc rate(s) dot hue beat previotely dadoeed w you. At the eM of earn de Arktg the tlNirq period, we apply the daily ptriodc rata for each segmom of your arxarx to tfa daily hNnrtee of each segotem. Tltm at the eel of the hflfirtg period. we add tp the rea/re of these daily rdelatiorta to arrive at ydw pedadc firertce dtarge fa serif aegrtatt. We add t4 the rest/ts from serif ae~rtem to arrive at the total pedodc fiestas dtarge fa yaw trmarr. To get the daily balertce fa serif sepmtrN of your ttaatrr, vve take ttte ttegirrlirg balance Tor melt segmem aM add any rew trertseaforta end sty pedodc firterae Utarge rdettlated m the prevlaua days belartee for chat segnterx. We then srbtrect any payments a txedts posted as of that day [fat ere allocated to that aegrrar. This gives is the separate daNy balatce for each aegnem of your amartt. However, if you peat fir. New Balatce shown m your previrtre ata[emem in fJl for if your crew halartra was zero a a credt amotrrl, new treraaetiore whidt poa ro yar purdaee or sprtdal purdtese sepnems ere rot added to the deNy belaraee. We celalete the average daffy balance by eddrg eN the daily balatces together aM dvidng rite stm hY the ember of rite days in the arrervt hiNirtg eyrJe. To calculate your teal firanra large, raldply War average daffy ttalerrce by the daily pedodc rate and by the nether of days kt the bNNrtg period. Dire to ranting m a daily bees, there may M a sNN1Y vadartce hetyveert rife calniatim and the amotrtt of firterra large aritMly aasaser~. h. If the rode Z or N appear on the fraru of /Ns autanan next to 'BBlartCe Rare Applied TO,' we orhiply the pedodo rate. To obtain the average daily balance for the billing period covered by this aatanem, we take the begimng Falartce of each aegmem each day, adA any new trerreactiorm to eatlt se()tnem, aM stbtraa any peymarta or rretfis. (11 the code N appeare m the 7rom of this natemem next to 'Ralarce Rate Applied To,' we also stbtrea any upaid firartce charge krJitded In the belartce of serif aegnem.l TNa gives ua rite daily halarrE of early aegmern. TMn we add rq ell the dailyy balaraea for each segment for the tilling peeled aM divide by the tool rKartber of days in the billing peeled. This gives tta the average daily balance ai each tragmrrtt. 3. Anwl P~orfga Ratsa fAPRI. a. The term 'Arwtel Percentage Rate' may appear ea APR' m the find m ma natemem. b. If the mde P IPrkne), L (3-rrto. L180R/, C (CeNfrate of Deposit), a S (Banfxard Prime) appeare m the frrxn o1 the natemaa next to the pedadc carets), the peaodr. rates aM coreepaltjng ANMIAL PERCENTAGE RATES may vary gtrededy aM may irtereeae or decrease based m the orated indces, as food in The Wall Street .lorrtal, pus the margin previously diadoaed to yat. Tfrese dartgea wiN he eifectlve m the first day of your billing peel covered by your pedodc sutemen ertdng in the mamba Jarrlary, April, .hl aM Garber. c. If the fade D (Prkrte), F (taw. LIBOFfl a 0 (3aa. LIBOR Repriced Mmttly) appeare m the lrartt of your atetenmt rext to the periedc retele), the pedadc rates aM corteepartdng ANNUAL PERCENTAGE RATES may vary mamtly aM may ircrease a decrease based m the nAted indcea, ds fetrld in The Wad $}feel.iblAlN/, glue the margin prev(atsly dsdosed to you. These dtertgea will M ef~cfive m the first deY of your hNling period each monht. 4. Asusentrtt M Lets, OverNrltt trd Rahnted Paytttert Feces. Yar aocem wY be asaesaed ro more then rive of the bras Nnad here that ocaw arkg arty htXrtg parted. llrtdar the terms of yaw aatarter agreanaw, we reserve the right m waive a rot to ssaese any fees wMrnt pi[fr rxttiflraiiort to ~{,r-fr-1 witftotr waivktg er ride m assess the same a dmNar IeBH M A later tune. 5.tRrtwvirp Yar Aooeart. If a membeship fee appears m the fray of tits aretemem, you lave 30 days from the date this stattmerr was mailed ro you to avid paying the ice a to lave arch fee ererNed to you if you carrel yar atxam. Drrkfg [tie period, you may otrrkxre m use you arrant vvitltotw having to pay the membership fee. To rand yaw amatnl, Wu rater rotary us hV retying ar Customs Reletitrts Deparhnerr aM pay Naw Balerae' in hll lexdttdrtg the mernberaNp feel prior to the acid of the thirty~deV penM. 6. H Vtsr Class Yar Aamrrt. Vou ran ragitea to dose erintm by raWng er Customer Relations ~ertmers. You moat destroy yax reedit card(s) aM ermxd aooeas rhedca, rarttal eN preetalndzed ftilNrg, eM rases rrgg your aantrr. If you do rot rated preaaladzed~biNktg artargalyems, we wNl oerreidar er~ooarnf f aA yatr arahodzatian to reopen yex y your eocant wfll rot be dosed tasty ynu pay aN amouxs ya, owe is irrdttartg: any trarteacuorts you have atlfadzed, Iktatra trierges, past due fees, rytnarNrldt fees, rimmed peymerY tees, rash arivatoa fees scut arryr mbar fees assessed to your acrntrn. Vou ere resperitle for these smarts whether they appear m yaw acmtnt a the time you repast to dose the acrntrn a they em irrarted tatltsagterr to your re¢teat to dose the rrmartt. Tina may reatlt kt dtalgea ePPaaMO m yar smarty after ytrt Fave yaw trocartt if it has already been dosed. For example, if ynr atrtfnrfzed a ptxeheae from a marcfam and we receive the treroecdm iron tics merdtartt after yaw acoant has been dosed, yaw arxxttatt will be raepertad, the amaaN of the dlarge wIN t>e added m yaw accent, eM yynnuu wiN be resperafltla far peymem. If there h a mmtlteahip fee Tor your atxant, the fee vtlN r:ortdrttta m be dtsrged, to the eraser pamrt[ed by law, uttfl the atxntnt rice hue beer[ geld in fill ae defined above. 7. Uaiq Yar Aamnt.Vau card a accern ceratm M used kt tmacdon with any irtterrte gambling treraectiorle. 8. Plotlaa Ahat Eaaetrarria tltaok Catvertdon. What you provide a dteck as paymaa, you atafndze ua eitlar to tBa informedat from yaw dteck to make s ort~tima electrmic had transfer iron yaw bark accoux a to prot~ea the payntas as a dteek trarractiort. When we use Infttrtna6ort from your dteclc to make an elemrtrtic ftrd transfer, ftatds may he withdrawn fiom yar bank ecaotrlt as aoan ae the sane day vue receive ynr payartat, and you will na receive yaw dvs:k beck from your firandal irannxim. BILLING RIGHTS SUMMARY pn Case Of Errore a Ott®tiarrs Abed Yaur &10 It Vou Clink your hill Is wrong, or if you need mare inbrmadm m a trensactim a hill, write to tm m a aeperne sheet as som ea paval6le at the address far irtgttidea sftown m the from et Ilia stattman. We must hear from you ro later than 60 days abet we tree you the first tlll an eltidt the era or problem appeared. Yeu can cell our Qtstaner I)elatiara ember, but doing so w(N nm preserve your rights M your IeHer, glue tin the tallotafng irdomtaflm: year name aM accent ember, the ddkr amour a1 the targtocted error, a dascdptlm of the error aM art tttrplaradm, N paseitle, of why you believe there is an error; er it you need mere information, a deacdpdm of tM Nam You are tnatre about. Vau do rat have to pay any amarn in queattion whNe we are inveatigatirq It, but yal are still atliget~d to pay the parts of your hill dot are nm in queatim. WhNe we inveatigete your queatim, we tartar report you as delinqumt a take any ardinn to eefiect the smarm yea gtmtim. #,t Special lkie Far Credit Card 1'urchasea It yea have a prahlerrt with the quality of prepeny or seMces that you purdased with a credit card aM you Fave tried in good faith to correct the protlen with the mercham, you may lave the right not to pay the reraldng amazed due m the properly a seMcea. Veu have this protecfim ody when rte purdtase price wee more thin 550.00 aM the Faceless was made in yar home elate a within 100 mNes et your maifing address. IN we own or operate the merdam, or if we mated you rice edverfisemmt Tor the Property ar services, aN purchases are covered regardesa of amarrt or tacalim of purdase.) Rease rartemfter to sign all certeapendere. t Dbea rot apply to conaulrax roe-credit card acavrtts S does rot apply to 6usinpss tan-credrl card accaaus One atyports information privacy Protection: see atw at www.captalone.can. One is a federally regrat~red service mark of Capital axial Corporation. All dgftre reserved. a 2003 Once 01LGLBAK 46b:iM Imporulrft Notice: Your payment will be credited tc your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the encbsed remittance envebpe, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Phase albw at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are iVbndaythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. eo le crM online p p p u Abetter way to Internet. ~ ~ ~ Surf uP to '• ~ Sx fasterl,~, a FREE Atccelerator for the fast 72 rnonfhar- s X60 value! 1-888-S8T-9669 •~ • • ~ Mention Offer Code: DIAMOND ,~ Or visit www.peoplepc.com/go/diamond UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Viru$ PrOtectiOn powered by SymantecTM ® Pop-Up BlockerT"' `~ Spam Controls ® Smarter Smart Dialer Technology ~ ~ More Email Addresses ® Internet Call Waiting Capital Q~e VISA (~OI,D ACCOUNT 4388-6418-2716-8845 Aooount S Previous Balance !758.77 Payments, Credits and Adjustments 1103.00 Transactions 111.89 Finance Charges 19.23 New Balance 1676.89 Minimum Amount Due 120.00 Payment Due Date February 27, 2003 Total Credit Line 1700 Total Available Credit 123.11 Credit Line for Cash 1700 Available Credit fm Cash 123.11 At your service To call Customer Relations or to report a lost or stolen card: 1-800-903-3637 For free online aceowt service and speaal atatomer offer, log on to: www.capitalonemm Send payments l0: Send ln(}IIneS 1A: Attn: Remittance Promsing Capital One Smias Capital One Sepias P.O. Box x5147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-50]5 m n DEC 28, 2002 -JAN 27, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 23 JAN PAYMENT RECEIVED - T'HA)`TK YOU !100.00- 2 27 JAN MONTHLY MEMBERSHIP FEE ADJUSTMENT 3.00- Transactions 3 27 JAN CAPITAL ONE MONTHLY MEMBER FEE 16.00 4 27 JAN PAYMENT PROTECTION 1-888-527-6904 5.89 Finance Charges Pkaurafeuertcndefor important isfonn~irm Ba/anarufi Pertiuait ('arespondiag ~~ gpfC~rdtn r>¢t R PURCHASES 1747.27 .0399696 P 145596 19.23 CASH 5.00 .03996%P 1455% 5,00 ANNUAL PERCENTAGE RATE applied this period • PLEASE RETURN PORTION BELOW WITH PAYMENT. JOtZe' 0000000 0 4388641827168845 27 0676890100000020002 New Balanct 1676.89 Minimtun Amount Due 120.00 Payment Due Date February 27, 2003 Total enclosed 1 AcmuntNumbc 4388-6418-2716-8845 1455% R'rarrpantmalingaddrcnmtd/arr-mailAh.Ye:® belamrerurgbl~re.blanErrrl: Sweet Apc N Gry s~ zta Home Phone Altemam Phone #9002825817229114# MAIL ID NUMBER Capital One Bank DEBORAH L GRAHAM P.O. BOx 85147 ~~~ ~~ ~ ~ ~ ~ ( `~' ~ 902 ALLENVZEW DR ui nuirnr ~ Richmond, VA 23276 ~ ~ MECHANICSBURG PA 17055-8604 ~u~s~n~~rn~t~~us~s~~u~~sn~~ut~~m~~ns~~rn~~w~~ur~ ° ~m~~~m~~~nn~r~n~i~t~u~u~~n~~nn~u~~~unr~s~n~s~~ Pleare unite your auaunt member on yoer tlX~b en money order made payable to (~pital One Bank and mail in the enrJared envelope. r DEBORAHL peoplepcTM online ~ Abetter way to Internet. VNLIMITED INTERNET ACCESS . 1-888-587-9669 a a ' Mention Offer Code: DIAMOND Or visit v/ww.peoplepc.com/go/diamond ,~s~yre~~l~al~~lOt ra~'ild~ Caphal One. Captal One does not provide, endorse or guarantee, and is reel 1 any p act service shown here. Pry trademarks men6onerf herein are sdely owned by the resp~tive entity. All rights reserved. By responding to this offer, you may be communicating in}ormauon about yaursdF to the company that provides this product -for example, that you era a Capital One customer. 'PeoplePC Online: Fkst 3 months are billed at 54.97 per month; 59.95 per month tfrereafter. Offer avalable to new oSalvp stlbscdters at least 18 years of age acct may not be redeemed wiM any other offer OBer albjed to change at any time. Pftone ttxhrical support available fa 51.95 per minute. }Accelerator is free for 12 months. Offer good for limited lima. After the twat 12 months, the Accelerated service wiN autgmaticalty rarer} to the standad Peeplt:PC Onikre service. ONer subject ro change at anytime. Yfrth PeoplePC Onine Atxxlereted, certain Web page text and graphics will load faster when compared to standard sal-up Internet service. Actual results may vary. PeopbPC Online Accelerated is txly compatible with PcoplePC Onine Mtemeberviu and specified VTirrdows® browsers. PeoplePC OM~ne Accelerated is reel compffiitNe with yYmdowsQ4 95 with IE 5.5 SP2. Service not available in all areas. Access tees, taxae, and ether fees acct testddiona may apply Telephone tell dtarges may apply, even during trial perbda. You are responsible for determining whether a cell to one of our access numbers vril result in telephone tell tdtarges. Access maybe trotted, especially during tares d ptak usage. Dial-up numbers may ba changed of PeoplePC's disuelian. Continuous use subject to timetwt procedures. All use is subject to PeoplePC Odire's Services Agreement and Acceptable Use Pdicy. S6K is the maximum speed d service; aduel speed may vary. 0 2008 PeoplePC Inc. AI Rights Reserved. PeoplePC Online and Ns logs are trattematks of PeoplePC in the U.S and dher camhiea. 0 2006 Capital Otle Services, Inc. CapAal One is a federaly regiatttred service mark Al rights reserved. 8 0 0 N I ~ , N N ppeedodc rate. To obtain the average defy balance for the 6illinp pedal covered by tlia atatemem, we take the Aeglmng balance of earn eegttem re~ day, add any new trareaetiona to each aegrtem, acct abtrad any payments or credta. (lf the code N appear on Ure frern of this slatemem next io 'Balarce Rafe Applied To,• we else airtrect any trpaid flrertce dtarge kuJtrded In the balance of rarh aapnern.) Tfria glues ua the daily helaroe of eaM segmem. Then we add tq eN the dailyy balanoea fd each aegmem for the biting peeled and dvlde by the total ra,nbar of days in the ding period. This gives r® tla average daily balance of each aegnem. 3. Annual Parartapa Rasa fAPRf. a. The tam} •AmW Peroerxege Rate' may appear a 'APR' on the from of this atatemem. b. If the rode P (Prhne), L (3-mo. LIRORI, C (Cerdtlrate of DepoaFtl, ar S Ieenkram Prime) appears an the barn of this sutemerrt ran ro the peeodc valeta), the penedc rates and rorreaperrdng ANNUAL PEH(:ENTAGE RATE5 may vary quaneAy arnrdd~may increase ar decrease based on dra stated treeless, as food in The Wall SVeet Jorrnal, plus the margkt preNarAy dadasee to you. These rlan~s Wtl he a lve en the Aret day of ynrr billkg period wvered by your pedadc statanem endng in the months January, April, JJy and October. c. If tta code D (Prkne), F (1~mo. LIBOR) a G (3-mo. LIDOR Reprktad MantNy) appeare an the ham of your statement non fe the pedode ratelsl, tt+e pedodc rates and corre~pondrg ANNUAL PERCENTAGE RATES may vary montNy and may increase or decrease based on the stated krdces, a tared in The Wap Street Jauval, plus the margin preriaelV dadoaed to you. These tiartges will 6e effective en Me fret ley of year hiNing pedal each memh. 4. Awsantrrt M Lab, Ovrirrri acct Rshnad Paymrrt Fas. Vac amars wN be aaessad ro Brae }fare two of da fees Ifaed here tMt omr dtektg arty hNNrrg peeled Under the terms of you aetamer agreematt, we raerre the tight to waive or net m asses B^Y fees wltlnu[ rvaifration to you u4tltotr vvaivirg ar right ro ease same or simNar fees n a later time. S.tRatavfrV Vw Aeaarrt. If a membershp fee appears on the trove of the aatemere, you lave 30 days heat tfa date this aatanerrt was mated ro you to avoid payfrg tla fee or to have arh tae credted ro you if you cancel your acraas. Gakrg this period, you may roralrate to roe you aotnttat[ vtidretr hevirg to pay the rok~ry rtalb~y raNrg a miter ReleHna~Depenmrnt acct pay yyaa New Belarra• n kA fexr9tdrtg the martberehiprfee) prior ro the acct of the }tiny-deV period. 6. H Vw Cbaa Var Aooart. Vou ran raq.ea to dose atxntrr by ralirg ar Qtaemer Ralatiora ~ertmas. You inter datmy your sect} carols/ std aecaan screw decks, cancel ai preaifrodzed Virg, acct rnaee you aa»tsn. If you do not cancel pratiMAzed arrattlentass, we vriN consider receipt of a large your ataltoA:ation to reopen ydx atrnran. Adddmaiy, Mar aantrs wi rot 6e dosed trhdl ~ pay N smaara you owe to irxltrdn9~ +m1' trarar7ierr you have etdndzed, 1Fherhra darges, past clue fees, overlknh fees, rebarhed payment fees, rash advarra toes acct any odnr fees assessed to Mfr smart. You are mepnhNNe for }these amotn[a tvthetlher tray appar an Mu atmtrs a dhe dha you request to done the aanun or they are irhaxred srhaq~errt ro your req..ea to d® the a®ras. This may real[ in ~~ apparkhg m Vac aerotaa aher VOU have yar aroart if h Ira elready been tieaed. Fer example. if you aalrodzad a ptadase from a mmdtars arcl we reraive the treraa.Ylan from the mordant after your acarzn tae been clewed, Your ecrotatt wW be raopertad, the amoux of the dterge tuft be added to your awwnt, acct yw wi be reaporrda for peyrrerx. If there b a membership Tae for your ahrntrt, the fee wit rarxirse to 6e ells to the extent permitted by law, tzaN the aocant ~ tae been pact in fill as defined shove. 7.11aiy Vac Aoasut.You card er aanun cannot be tea~kt mrcactian wfM arty imemet grnblirg treraectiare. 8. NoUae Abet Elastrrsrb Glreok llorrvrtsbt. Vyherr you provide a clack ae payment, you audndze to eidrar to use infametiwt fran yar dock to make Baca-tlme elactmrlc turd trerefer ban your bank ercan a to procea the peyntas sa a dark traraactiort Wtan wa tee infitrmatien from yar dteek ro make an electrotic find trtuefer, finds rosy la wiltdrevwt from Mu bertk atxotat a swan es the acme day we racehe your peyrrtem, acct you wNl not receive yar tYack beck from yar rrrartdal inatittsien. BILLING RIGHT9 3UMMARV pre Case Ot Errors Or Ouatiae Abraa Veur &10 It you tMnk your bill H rrrang, ar it you need more information m a trereactien or hill, write to ua nn a separate sleet a seen ea poesihle M the address for inµida shown an the ham of tMa aatemem. We moat hear tram you ro later thin BO deye aher wa aem you the first dN on ttfidt file error or problem appeared. Vou can call our Ctefamer Relatlore nether, htn doing so triY rot preserve year rl¢as. In year loner, give u the Wbwirg mbmtaflon: your tame acct accaan rxmber, the doter amour of the arepected error, a deacAption of tfa error and an explarvttitn, if pmihle, of whyV you behave them la an error; or i1 you reed mote intametien, a deaedptian of the hem you are areas shwa. You rip rot lave to pay any amotad In greation nfrNe we ere inreatigatkrp h, but you are sltN adigeleel to pay the pane of your bil~f that are not in gratstion. While we in to your grertlen, wa came} repan you a deNrrgtnrrt or take eny action to retest the ametart you quesdm. f,t Special Rue tut Cretin Card F'urdteaea It you have a prahlem whh the gtaNty ei pretarty or aerniras Nat you ptxrheaed wiM a Bradt card acrd you have tried in goad faith to correct the prdbem with the merdam, you may have the dgM rem to pay the remaining ametad due at the rtV a arricea. VOU here this protectim oNy velar tla purchase pdee was mom tMn 950.00 acct the purdaae wee made In ydu bane state or witlin 100 mNei of your meting addrea. 111 we own or operate the merrham, or IT we mailed you the advertisemem for the p rty or aen4cea, ai purchases am covered regerdesa of ametm or ktrwtim of prrluae.) PIPAae rerrharhher to sign all cemeapahdenc~e. t Does rot appy m ntrtsrurar ttorterergl card accaatfs t Drees roc ePPN m buetiress non-Crerfil card eccounls One a4Pats infamalfon Privacy protection: wee txr at www.capitalane,tmrn. One is a federaiy reglsterect service mark of Capital ~al Corporeticn. Alf Aghta reserved. o O~LGLBAK ta. Grace Parted. You will have a mirimun grace pedal of 25 days vddtott IYierice rlnlge an raw ptrdnsas, new balance trarefers, now apedd purchases and now atlrar charges if You peY Your tetel 'New Balance'. in artd~rdance w,Nh [babe credt by your r a eft K• tioskg date. There is ro grece period on rash advertca acct gttriel trerafers. M eddtion, thara is ro ~rece parted on any trerradion if you do not pry d,e total Now. belartre.' b. AeauYp FYrewe ate'W Tmreacdore which are not f date of thep t~reraeefienafrom Ma dete~ihel treraectien is prooesaed to your Aaroutt or 3) from the first ralerdar day of the nrrrers hiNkt~ perod. AddtiorallV, if you rid not PaY the 'Now Belartce from the prevfae biirtg period in ft/, flrrertce charges certtirtte ro ercne m your tapaid balatra until dre rarpaid belarree is paid in kit: Thts mean dot you mey self owe firarrce darges, even rf Yar pay the erxire New Reface irtdceted m the fray of your aetemas by the non aatemertt daekg date, Err did not do so for the prerfne mrxtM. lJrtpaid flrertoe darges ere added to the 9agnerY of your Acmaa. t c. Mirrkrarrr Fiteae .far each billing period dai your arxntrt ka~ act ro a fatatt~ large, a midmun total RNANCE CHATiGE ofn8p0.50 vvlN be imprtaed. If~trohue rlodc Brat (~ less ttan 90.50, we wt~arMract thatr amaua fran the 90.50 etktinxm end the dffererce wli be hued to rite pudaeeaegram of yar assn. td. TarrpQary fitltalitar in Blares Ovys. We reserve the right to rot assess arty or M 16tarrce charges fd any given hiYing Q~read~~ol. 2. Avargs DW 9alrrsa Iktsa+~w Nw Rrdasasl. e. Rrerrce charge is rakalated y mthiplying the daNy belartre of eedr aegmerrt of your avatar} le.g., rash advance, purdaae, apadd traafer, end apedel prrdase) by the rorrasportdrtg daily periods retels) }tat tar teen prevfady dadosed to you. At tla acct of eaM de da Hilk,g period, we apply da laity parladc rare !or aegrrerrt of your eocarK to the daiY belsce of eadt sepman. Then et the end of the biting period, vue add tp da rents of tlteee dilly raialatiere to ertive at pedode flrtenee large for earn segmem. We add tp the rarlb from eadr segment ro emus a< the total periodic flnerce large for you Brows}. To get tla rdeNV balertce for each aegnrertt of your eccarnt, we take the hednNng balartra for eadt segment acct add eerrryry rew trareacdaa acct eny ode tirartee dterge ralalsted on the preNote day's 6s~atce for }tat segnara. We }tan arbtrsa any paymerru a credo posted a of }tat ley that are aiorated ro Mat segnert. Tltia Ave ue the aepsrero daily bMertce for each sagrarx of ytxr aoraat. Hmvevar, if you peM the Now Belertce alnvrn on you preriars stetenrertt in fill (or if your raw balsrroe wa zero or s cradt scream), never trereediore wlidh poet to Mu ptrdaa or apedd cM~alere tfage darn} d~ roro ~p ahelarnes. We balahras togetlter acct dvidrg the sum by the rhtntber of the days in tfa dxrent biikg cVde. To ralarlate you total firarra large, esltlply you average defy balance bV the daffy pedodc rate acct by the nnrber of days M the dikg period. Dtle t0 raatdng on a daily basis, there may lte e slight verierra between die cslafatim acct the entotn of firvtrhra darga aroeiy saeaed. 6. If the code 2 a N appears on the ban of this atatemem ren ro •Batanra Rate Appled TO,• vte raldply the 25713M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Nbndaythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. ESPECIALLY FOR CAPITAL ONE® CARDHOLDERS 1 ss»oo-ot CapitalQ~• what's ht yota- waNat7- DEBORAH LGRAHAM- o Save on all of the Hickory Farms products Save so /o you know and love without leaving home! For over 5o years, Hickory Farms has been a tradition in gift giving. That's because they offer the freshest, most innovative gourmet specialty foods, `' ~ plus timeless classics. And their delicious assortments of award-winning products are easy to give and always delicious to receive. Respond today! You'll save 1^ and have Hickory Farms Simply visit www.hiekoryfarms.com delivered right to your door! or call toll frees -800-288-7327 Please mention the offer code H24EANV4 to get this discount. This offer expires 06/30/03. Capital Q~• Account S Previous Balance 1676.89 Payments, Credits and Adjustments 133.00 Transactions (68.02 Finance Charges 58.64 New Balance =72055 Minimum Amount Due 121.00 Payment Due Date March 27, 2003 Total Credit Line 1700 Total Available Credit 1.00 Credit Line for Cash 1700 Available Credit for Cash 5.00 At your service To caD Custemer Relatiom er to report s lost or stolen card: 1-800-903-3637 For frx online account service and special customer offer, log on to: wwur.capitalonemm Send paymems to: Send inquiries to: Attn: Remittance Procruing Capstal One Serv,cec Capital One Sw.oes P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 f in N M VISA GOLD ACCOUNT JAN 28 - FEB 27, 2003 4388-6418-2716-8845 Page 1 of 1 Payments, Credits and Adjustments 1 24 FEB PAYMENTRECEIVED -THANK YOU f3a.oa 2 26 FEB MONTHLY MEMBERSHIP FEE ADJUSTMF,NT 3.00- Transactions 3 14 FEB TURKEY-HILL #x0240 MECHANICSBURG PA =17.50 4 15 FEB ROYERS/S'I'EPHENSNS FLWR 717-273-2683 PA 13.24 5 17 FEB OVERLIMIT FEE 25.00 6 27 FEB CAPITAL ONE MONTHLY MF.MBF.R FEE 6.00 7 27 FEB PAYMENT PROTECTION 1-888-527-6904 6.28 Capit-el One has joined with Prc~essive Auto Inair~ nrr Sp they can provide you a fast, free rate quote with no obligation! Call 1-877-397-5374? You could save 1400` by comparing rates. Mention code P700.'Possible savings based on rate variance of annualized comparison rates calculated by Progressive on calls received from 6/1/01-12/31/01 (excluding variances greaitr than 11000). Rates and actual savings will vazy based on driving record, vehicle, address and other fazxors. Finance Charges Pleare tee reirerJetide for ir~spartm# information Balmtrr-ate Pnied~r (.orrrspandenp ~I~ apptird[o rate R PURCHASES (699.45 .03986%P 14.55% 1&64 CASH X.00 .0398696P 14.5996 53.00 ANNUAL PERCENTAGE RATE applied this period 1455% • PLEASE RETURN PORTION BELOW WITH PAYMENT. ~~~~~~~ 0000000 0 4388641827168845 27 0720550030000021002 New Bahuue 5720.55 Minimum Amount Due 121.00 Payment Due Date March 27, 2003 Total enclosed E Accotmt Number: 4388-641E-2n6-8845 sneer Ape N City Snee ZiP Home Phone Alremare Phone !!'~ #9005925817229119# MAIL ID NUMBER Capital One Bank ~_ DEBORAH L GRAHAM P.O. Box 85147 ~~~ ~~ ~ ~ ~~ ~ m 902 ALLENVIEW DR ttt Est is ~s tt ro ~ MECHANICSBURG PA 17 055-8604 Richmond, VA 23276 ~u~c~u~~ni~s~~u~~~~~n~~m~~ns~~nt~~n~~~ni~~ut~~ut~ ° ~ (sn~~~tu~~~tm~s~u~t~t~n~cc~~u~~nu~it~~~ncn~t~u~s~~ Plenre writey~ur aumrnt numbs an yore dxL,E or money mdn madepayable to Capital One Ban.F and mail in the enclaredenvelope Ptiasrprint rnai/ing adds mrd~or e-mail damger dream ssirsgblvr ar LlanE inl: r Make any occasion even more special with Hickory Farms! Save 10% A Hickory Farms gift is the perfect way to show friends and family, as well as work associates, your love and appreciation. Plus, Capital One° cardholders save s~% and can choose from an assortment of delicious Hickory Farms products. Simply visitwwwahickoryfarms.com t'"~ or call toll free 1-800-288-7327 Please mention the offer code H24FJ~NV4 to get this discount. • Meats and cheeses This offer Includes a 10% discount on all Hickory Farms produds ranging from $10 to $1000. This oNer cannot be combined with • Fruit and nut assortments any oNer offer. ONer valid only on Internet, mall orders antl phone orders. Not valid in grocery stores or at Hickory Farms kiosks. • Desserts and coffee Hickory Farms is solely responsible for thin offer, end L5 not aNlliated with Capital One. Capital One does not provide, endorse or • Seafood and much more gueremee erry produd or services stwwn here. BY responding to this oNer, you may be communicating iMOrmadon about WurseN to the company that provides this product-fa example, that you are a Capital One customer. O 2003 Capital One Services, Inc. Capkal One is a tederaly registered servers mark. All rights reserved. This offer expires 06/30/03. CtapittalQy~• wears rn your taamT- t~ f- t_ S N~ 8 N a N N pedeck rate. To ohuin the average daily balance for the billing Itedod covered by rtla 4latemeni, rare take the be9imrtg balance of sear aegnerd earn day, add anY new trarteacdare to rrlt aegnmt, and subtract any peymmts ar create. Ilf the code N appears m the tram of this atatemam nerd to 'Balartee Hate Applied To; we also atbtraet any trpaid 7irtertce charge irckded in rite balance of each segrnem.) Ttis gives u the daily balance of each aepnent. Thheenn we add tq all the daNy belartcea for eetlt aegmrtnt for the 6iNing period and dvide 6y the tmal timber of deq in the 6NNng period. This gives us the average defy belartce of eedr aepnerd. 3. Amd P~wnfapa Rals° rAPRI. e. The term 'Arrant Paramege Rata' may appear ea APR' m the frtrn of this atatemeM. b. If the cede P IPrknal, L 13-mo. LIBOR), C (CertiTrate of Depoah), a S (8ankrad Pdrrte) appears m the trait of tHS natmtent nod to the pedodc rate(s), the pedadc rates and mrreaperdng ANNUAL PERCLMAGE RATES may vary gttartedy and may increase or decrease based m the stated lodes, aspLand in The We!/ Street 7}me ~ar~q~ wIN hie eHacti~ve~m the fl~day yot~yeur billing pedal covered by your pedodc rtafemem atdrtg in the manta January, April, .Hly ant Octtther. c. If tla rode D (Primal, F (1 ~mo. LIBOR) or G (3Krto. LIBOR Repriced MtrMiy) sepses m the frorrt of your nattmem ce# to the pedadc ters(e), the pedodc rates and correapardrq ANNUAL PLTICENTAOE RATES may vary maMtly end may increase er decrease based m the need 'tracts, r tatted in The wee street .berrn/, qw the margin previouay dsriosed to you. These dtartgea will 6e effective m the flret day of yatr billing pedal each maMt. 4. Assasanwr ar Lora, Ovsamit acrd Rshntad Paytrrrr Frs. Your econsr ulN he assessed m more than two of rite fees Nsted here that rxrur tltafrtg erry 6ilprtg period. lJrtdar the temp of War nretantar agreentatt, vve rtr®rva the right to waive or not to t®e® arty fees wAtltaa prior rtotifa~atlon to Wu wfdtar waivig atr dgttt to sasses the same or stmNar tees et a later time. 5.tRrtawitg Yttrr Aetwrrt. If a mentbersNp fee appears m the from of Ws statertterr, you have 30 days (ran the date gis ateterrtert was maied to you to avoid IaVitg the fee a to have such fee created to ynr If you rarcd your eocetnt. Urfrg this period, you may cerrirrrte ro tree ynr atrntrr t.lrtetr hetMg ro pay the merrtherstip tea. To rartcel your ecratrtt, Wu moat rtodTy uysyboyurraBng our Crn[aner FLalMion Depenntatt ~inarb ramp tae) prior two tl~ie end of rtrea~W~ dy peddd. 6. N You Cloy Yttrr A•eartt. Vou ran re¢tast ro dose ~~ ~ rallrg ~rtty yrxr cc s) and ~ertmeM. Vou rtsnt dart eccatrr amen drerirs, rart®I aN prtautftodzed hNNrtg, and case your amourt. H you tb rot rarr>el prmtrlndzed amargantems, we will cmarfer rrrsipt of a large Your aufwdzetien ro reopen ytxr atrartt. Adddera/y, War aabtnt wNl not M do®d tndl yrrt pay eM arrtaraa you owe is itdtxlrtg: any traraectierts you have etldtodzed, flrartce dtargas, past date fees, oveamk fees, rettrrrd paymem fees, roar advance fees end arty ether fees asaened to War eocant. Yrxt ere respaaible fa rheas arttotnts wAtettter they appear m yar amour[ ttt the tine you ra¢est to don the errant or they are irtalrred arbeeQttm to your regttatu to dose the araxrr. THa may rewlt in charges appearktg m ytxr aocdnt after you have your amass if h has already been closed. Fa etample, if you audgdzed a ptrdase from a merelwr era vve receive the rareentim from the merrlars after your aaYtrnt has been dosed, Your smear wNl ba reopaad, the emtttsr of the dtarge wNl 6a .dried ro yorr ttrxxttnt, and yyoauu wNl be reaporrl6le for paMrterr. If there is e mentberdtlp fee for your arxntsr, the fee wIN rerrirtrte ro be dterpad, to the extmt p mtined try few, trrN the arrant rtce has been paid h hll as deflred above. 7. Uairg Yrttr Aamnt.Yeur card or amarn rectal b used kt cerrtection with arty kxerret gembNng tratnctlerta. 8. Wolioa Ahaut Elaahsrtia Cltaok Onrwirtrsrt. When you provide a dreclc r peyrren, you errlnrize to tither to use imomstim (trio yar aleck to make earls-time aleatoric had trerater from your hank amant a m process the peymertt as a tlack trerteectien. When we rata information hem yar tlteck to make an dectrtric ttad trerteter, (rata. may be taiddrawn trout oar bank atxxrtm n soon es the same day we receive your payrnem, end you wNl rot recave ytxr t7teck beck from your flrardal karhtrion. RILIING RIGHTS SUMMARY (In Gn Of Erroa Or Queslitxts Abcut Vtax Bi1H If you tNnk your hill fa wrap, or If Ym need more inbrmatlm m a trelaaettat or hill, wme m ue m a separate street r seen es pose~le at the address for irtgridea shown m the barn of this statement. We moat hear tram you ro later then 60 days after we aertl you the firer HII m talich the errs or problem appeared. you ran call cur Cttatamer Raatiaro rxartber, but doing so wiN rot preserve your dgms. h ynrr triter, give ue the blloteirtg intemutim~ year creme and accent nsnber, the tidier amara of the suspected error, a dncdpdm of the error and an et~lerretlan, if ponitle, of why Vm believe there fa an error, d ff ytrt creed mare inlomtetrm, a descr~tim et the hem you are raters abate. Vm do rot Moe to PBY anY amars in gnnien wfile we ere knestiget'a~p h, htt[ you era sell ehripated to pay /Fte pans of your 6iN list are ncl in quesiim. le we inve~t'~gete your tlttestlm, we tartar report Wu as ddingrnm or take any action to calect the smarm you t}teatim. i,t Special Rde for Crtldt Card Purtirasea It you have a probem with the quality of prapttny or seMcea that you ptrdtsnd Wth a treat card and you have tiled in geed faith to mmed Nre problem with the mereltaM, you may have the tight trot to pay the remairinp amoum due m the properly a nMces. Vou have tNa protectim trly when the purrhese price was more then 950.00 and the purchase was made in yea trams state a within 100 miles of your coaling adrlren. Of we Dove or operate the mercharn or it we mailed you the advenittr+mPltt for the p ny a aervft~s, aN purchases are covered regerden of amarn ar location of purchase.) Please remember to age all mrresperdatce. t' Lleba nr)t aPPtY t0 GWL4l/alB! iron-Gadtt ('alit BCGalnl3 i ller_s fnt apply to tw.siw_ss roe-credit raid ecoounts One »tppona intatmatim privacy protection: see txr ~ at www. talarta.carrr. One is a rally regst~red aeMce mark of Capital irxaa Corporation. All rtglt[a reserved. a 2003 One 011TiLBAK Ta. (;rasa Parlsd. Vau wiN have a mitimun gram period of 25 deya wither flrtertrB large m clew pun7tean, new Mdtrtce trensfere, rew spedsl ptrdases acrd new oNer dargn if you PBV Vetr total 'New Balance', in amordartce with the knportam Notice for paymerrs below, and in time for h ro M credited by ytttr rta# rratemertt doain0 date. Tftere re ro grace period m cash advartees and apedel trertstare. M addticn, there is ro grace on any trertsactlon if you do eat pay the total 'New~~ 6alertce.' 6. Asatritp Fitter CJrrya, Traraectiorta vvhidt am not subject to a grece period are assassad Trterr:e charge 1) from the date of the treraectim a 21 frorrt the date the trennctim is procesnd to your Amasr a 3) front rite first talerder day of the tarraY NNinp period, Addtimaly, If you did trot pay the 'New Belsrtre from the previata 6iling period in kM, flrtertce riargn txrt6nte ro scion ro your tread talartce tstol the urtpsid bebrtce fa paid in fill. This meere ttat you mey >dM owe Rrtertpe dargea, even it you pay the scare New Belartce kriceted m the from of your s[etalnerr bV the next ata[emerx raeeirg date, Gtr did rot do so ter the preNan merit. lJrpeid flnarrE dargas t c. alditinaan Fktanoe~rartlllkip period tMt. your atxntstt Is atitjrta ro a litertce dtarge, a miiram total FiNAN(~ Cf VvRGE of 90.50 wiN 6e inpoead. If the tad tinrtoe eharga rasldng flan the eppNce of periodic rate(s) is fen Utert ?0 50, we wIN atRmraa tlat arnaar from the 40.50 rnktiram end the dHerertce wiN be 6Ylad to the ptrdaee of yrttr strati. td. Tarrpoary RatYtelien it Fits a Oupa. We reserve the right to clot essen arty or eN flrartee t7argn for any given tx7itg ped~ol. 2. Avrpa Daly Babas fi+aiait0 tlsur firalrsasl. a. Rrtura charge is calalated y mrldplying the daily 6elartce of eedt sagrttera of your emotr[ (a.g., ash edvartce, purdaea, apadN trertsfer, and epedel ptrdase) 6y rte cprespadir dai1V perfodc rate(s) the[ hea been previady d to you. A[ ttte ad of eetft the Nlrrtp we aptly rite riaNy pedodc rate for a~edt aBprters o your ttrxbtnt to the d~e~~l_Y ielertce of earn seAtteM. Tftm et the end of the eilMg period, we add tp the milts of tlase defy ralatletiar to solve et War pedodc fxtrtce ttltarge Tor eedt seAttem. We add tp the recite from eadt aepnax ro strive at the told pedodc flrrertce charge for your atxarr. To gat the da1V balance for tech saQtterx of your atrarr, we rake the begiminp balance for each segmem and add arrtyry clew treraectlarta and artype deck flrtertee large ralalared m the previous day's balance for that aegnax. We then subtract any PaV~s a crtrdts prtated as of list day tftat am eNorattd to that aegntaa. T)tis gives to the eaperete daffy helartce for each aegmerr of year arrant. However, if you paid the New Mlartce shown m your prr»ian statement kt fill (or if your claw balance was zero a a treat arant), claw transactions vvfidt poet ro War prrdtaea or apedd puniaae ae~rtertta are not added m the daNy halertcea. We cekllare the everepa daily helertce ter addrp al the daily NMieb~ together ~6vldrtg tla aun by the rancher of Ys biNitp eycb. To ralatlate ytsr total firbr~ large, mthlplYy ytxr average dellY belartpe by the daily pedoek cote ant by the ember of days in the hirlrtA period Due m rartartg m a dally bees, tttare may be e aNgftt veriartee 6elween this ralulMion and the amount of firortce ohstge actuMy aeaessed. 6. If the code Z or N sepses m the fiaa at tNs statemmt rta# to 'Belartce Rata AppNrd To,' Vve mrthiplV Ute 32155M Important Notice: Your payment will be credited to your account as of the data we receive it, provided you send the bottom portion of this statement and your check in the encbsed remittance envelope, and your payment is received in our processing canter by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Do you know what's on your cred it report? "into-mation in your credit Creditlnform empowers you to monoge yourcredii» repot ct Your a6 ji~ toe • Get a customized, easy-to-read credit profile that includes di mo a~obr a ge your cre t score. ' a loan, a Cred~ ca a o • Receive detailed credit updates every three months. ~ r InSUr ance. • See what influences your credit score with Credit Analyzer, -~eraiT an online interactive tool. ~missp~ • Consult with Credit Education Specialists, toll free. • And much more for o l 4 99 h t See back for details. n y $ a mon Cred it I nf~rm Risk-free for 30 days. Offer expires: 05-31-03. ~^Nb ~+~' To respond to this special, limited-time offer, simply complete this acceptance form and return it with your Capital One card payment. Visit www.mytreditinForm.com Far more information. sso2oo-a1 YES, I want to manage my credit with Creditlnform. I have read the important disclosure on the back and authorize Intersections, Inc., provider of Creditlnform, to obtain and compile my credit report and monitor my credit file at Equifax• I authorize Capital Onc+s to forward this coupon on my behalF to the company that provides this product. Signature Name (Please PrinU Sotial Se[urKy Numher (Require 902 ALLENVIEW DR MECHANICSBURG PA 17055-8604 1000000046330312 7168 Capital ~G ® V[SA GOLD ACCOUNT FEB 28 -MAR 27, 2003 4388-6418-2716-8845 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance #720.55 1 21 MAR PAYMENT RECEIVED -THANK YOU #50.00- Payments, Credits and Adfilstm ents #53.00 2 26 MAR MONTHLY MEMBERSHIP FEE ADJUSTMENT 3.00- TranSactions (11.99 Finance Charges =7.95 `rrnnalr~p~ New Balance #687.49 3 27 MAR CAPITAL ONE MONTHLY MEMBER FEE #6.00 Minimum Amount Due #20.00 4 27 MAR PAYMEN'T' PROTECTION 1-888-527-6904 5.99 Payment Due Date April 26, 2003 Auto Reseal Iswtrasrce -Coverage for collision damage or theft with card purchase of auto rental Tore! Credit Line #7~ Certain restrictions and conditions apply. Warranty Manager - Doubles manufacturer's written U.S. Total Available Credit #12.51 repair warranty up to one year on warranties of three years or less. Certaist restrictions and Credit Line for Cash #700 wsrditions apply. Register your purchases by phone or online. Go to www.visa.cotn/bestefits or call Available Credit for Cash #12.51 1-800-955-7070 now for complete benefit information. At your service To mB Customer Relations or to report a ]ost or stolen mrd: 1-800-903-3637 Fer free online account service and special customer offers, log on to: www.capitalone.mm Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Swig Capital One Servins P.O. Box 85]47 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Fittatlce Charges Plearttxrev~entJUfifor important infanrtation Balmrcrrafi PniadIt tsj~e g appCudtn r~r PRA PURCHASES !711.92 .0398696 P 145596 37.95 CASH 5.00 .0398696 P 145596 i.00 R m m a ANNUAL PERCENTAGE RATE applied this period 145596 • PLEASE RETURN PORTION BELOW WITH PAYMENT. ~~~'~ 0000000 0 4388641827168845 27 0687490050000020008 New Balance #687.49 Minimum Amount Due #20.00 Payment Due Dare April 26, 2003 Total enclosed # Aocasnt Numba~: 4388-6419-2716-8845 Pharr pr;rrr mailing adaSas and/or r-mail r/sar{gts betom wring atur ar atm~E int: srre~t npr, r Cary Scare ZIP Home Phone Almmaoe Phone Email Address ~ #9008725817229110# MAIL ID NUMBER Capital One Bank DEBORAH L GRAHAM P.O. Box 85147 ~~~ ~~ ~~ ~~ ~ ° !! 902 ALLENVIEW DR 111111 111 1 11 (V Richmond, VA 23276 m = MECHANICSBURG PA 17055-8604 m P~ 'IIIIIIIII111'IIIIIIIIII II'IIIIIIIIII~IIIIIIIIIIIIIIIIII~I111' ° 'IIIII'IIIIII1111IIIIIII~IIIIIIIIIII~IIII IIIII"IIII III'IIII~I Pteare unite your armunt numbs on yow Jerk m money order made payable 1a Capital One Bare,F and mail in the enclared enas:topr r Creditlnform puts the power of financial management in your hands When it comes to achieving your financial goals, there are few things as 30-day, risk-free trial period important as your credit. As a Creditlnform member, you can monitor )Din Creditlnform today and enjoy a 3o-day, risk-free trial period. After the accuracy of your credit file with a personalized, easy-to-read credit that, your$4.99 a month membership fee wilt be conveniently profile from Equifax, a leading credit reporting agency. billed to your Capital One account. Enjoy exclusive benefits Your profile includes your credit score, explanations of what influences your score and personalized credit information. You'll also receive Sign and return this form today to more effectively detailed quarterly credit updates online or via mail. And Credit manage your credit with Creditlnform. Education Specialists are available to answer questions or help you resolve a dispute. ©zooz Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. Equifax is a registered trademark of Equifax Inc. *This quote was found at http://www.ttc.gov/bcp/coline/edcams/fcra/index.html. The Federal Trade Commission is not affiliated, connected, or associated with Capital One and does not sponsor, endorse or approve Capital One products or services. I understand that Intersections, Inc. cannot accept authorizatioh from any other person other than the individual joining the service and confirm that I am requesting my own personal information and no other. I acknowledge that, to ensure continuous service, my membership will be automatically renewed at the then current rate, unless I tell you to cancel. I understand that Intersections, Inc. is authorized under contract with Equifax to serve the informational needs of consumers and assumes no liability for information contained in my credit file. I confirm that I am at least t8 years of age. Note: We cannot process your order without your authorization. Equifax and Intersections, Inc. are solely responsible for this offer, and are not affllated with Capita! One. Capital One does not provide or guarantee any product or service shown here. For inquiries about this product or If you wish to bill a different credit card, please call i-%6-zz63745. B'/ responding to this offer, you may be communicating information about yourself to the company that provides this product-for example, that you are a Capital One customer. The Creditlnform service is available to only one cardholder per account. g O r O l N N N ppeeriods rate. To obtain the average daily balance far the hiNing Period covered by this statemad, we take the heglmng balance of each segnem each day, add any new lrertsacHata to earh segmem, and subtract any peymatta or credta, (lt ate cads N appears m the fraa of this stetemem ren to -Balance Rate Applied To,- uve also abtrect any trtPeb trance Hattie irvduded in the Mlanee of eaM segmertt.) TfrM gives ua the daily beMrtee of each segman. T)ten, we add rp aH the daNyy 6alartt~a for each segnem br the 6iNing ppeeriod and dvide by the tad number of days In the hNNrtg period. TNa glues to the average daily balance of eerh aegntatt. 3. Arid P~ereMga Rotas (APRt. A. The romt 'Amlal Perterrage Rate' may appear r 'APR' m the from of ma statemeta. b. If the code P (Prkrte), L (3-mo. UBDR), C ICerattate of Deposit), a S IBankcard Pdmel appears an the hatt of this aretemem nets to ate pedodc rate(s), the pedodc rates artd mrreapeMrg ANNUAL PERCENTAGE RATES may very quanedy and may increase a decrease based on the sated irtdces, as lastd to The Wad Street Jaune% pltm are margkt pprevlatdy dladased to you. These ritenge8 vval he eflactive m the fret day ei your NIMg period covered by year pedodc atatemem errdng in the monaa January, April, Jrly artd October. c. If the code D (PrMre), F (1~mo. UBOR) c G (3Yrro. LIBOR Reprkad MontNy) appeere m the horn of your statemem next to the pedode totals), as pedede rates and eorrespatdrq ANNUAL PERCENTAGE RATES may vary manlNy a may increase or decease based m the stated irdcea, as fasd kt The Wed Street .larural, plte the margin preNattaly dadased to you. These ritangee will he elMCtive on ate fret day of your NIRng pedoA each month. 4. Asawtent d Lab, Owrlnri end RsOarrsd Psynrrit Fws. Your arant wi 6a asaeasad ro more then two of the fees Nsted here stet omit dtsYtg arty 6NIYtg period. UMa the terms of yar ataaror agraemas, we raeerve ate right to wdve er rtos m aaeeas any fees witltert pier mdNUtion m wiaraa wdving our fight to sssesa the same or aktrNar at a later time. 5. Yar Aasaat. If a mentbereNp fee appears m the iron of tits gatemen, you have 30 Mys iron the ride this statement was maNed to you ro avoid paying the fee or ro lave arch tae credted to you if you rartcel ya,r acrrrss. DrrinN this period, you may corrtlrtre ro tee year accares wltlrnu havkg to pay the menberellp tae. To cancel yar aocasa, ycu tract roafy ro by ralwtg our Qtaonter ReMtiora DePettment end pay yyevtr Now Bdartce' h fill letaitidrg the rrtattberstlp feel prig to the ertd of the wrtyday period. 8. ff You Clsee Yar Aeaarit. Vou cart regteat to rJoeB yyoarer accetss by raNkg ar Qe[anar Reletlore oepertmers. Veu moat dearoV Vatr credt cerdis) and amrtert aeoaes Htetire, rartcel ell prealttodzed Nirg, and ceesa uakg gyar errant. If you do rot rerrcd preaudndzed arrertgartars, vve wNl caraidar receipt of a Hterge yar araMdzatlm ro racpen yar trrxntrtt. Ad3aaaNV. war acoastt wiN rot 6e Hosed real ynr pay aN amnars you Dove ro frtdurMg any trertsecaore you have arlltaizad, trtertce r~rges. P~ dos fees, overNrrtit fees, retrvted Pewterrt fees, rash advance fees and cry alter fees assessed to your accetett. you era raspaneNle fp areas smarts vvlteater they appear m year arxbrnt m the time you mq.ted m does the ecmrrs a they era irturred stbae¢en to your reµrest to Hose the aooars. This may rearh in Barges eppearkg m yore acrArre. after you have yar aooant if k lies dread/ been Hcead. For example, if you artataized a prrHrase Trartt a rnerriraM and wa receive the trareecaan loan the merdem ahtx yar acrnss has heat Hosed, yar ecmtart wIN be reopened, the etnant of the Harge wNl re added ro yar arrnett, std you will be reeporaiHe fa payment. If there M e memberehip fee for your arrrtnt, ate fee wiN cersirtte ro re cta , to the extent pemtitted by law, uup the accerax rtrx: hea been paid h irM ae detnad above. 7. llakg Yar Acaaat.Vcur card or aceara caxtot he teed in cerstecaort vvhtt sty intemat gemhNng treraecaore. B. Nsfiae Abet Elaakortia G7teok Crrrrvrsisrr. When you Pmvlde a Hreck aH paymaar Yar aA)OliLe IH Btdrer [O tae infonnetim front yerr Heck romake a one-tkne daxroHc ford trorrfer from your 6enk errdirc a to prmra the peymerc sa a rrieck traresHien. Wien we use infonnatlon from yar Ueek ro make an electralc rand trerefer, tads may be wiadrewn from war bsNc acxsaa as corn as ate sane day we receive you peymers, and you will not rerdve your titeck beck from your rrnertdal kaattitlen. BILLING RIGHTS SUMMARY (In Case Ot Bros Or Ouesdae Abed Yeur BiN) li you think your rill la wrartg, or If ya, need more infoanaam m a varrecdm or dN, write to ro m a agarate effect as aom ea pesdtle of the addreea for irtgtides dtowst m the irons of this statement. We moat hear trap you ro later flan 60 dayysa abet we tram you the Aret hNl m wlldt the error or problem appeared. Ycu can call cur Ctetaner Rdaacna nether, het doing se wiN rot preserve year rights. N year Miter, give tffi the tallotaing infamatat: year rams and accetru rerrrher, the ddlar amoum of the suspected error, a descdpticn of the error and an etgllanetim, If podhle, of vvhy yea 6elMve there is an error; or it you read more kttermatrm, a descdpsm et the ban ynr are rratre about. Vou do rot Mve fo pay any amard in question vdie we are inveatigaang li, 6ut you are sdN ahNget~d to pay the parts of ycur 6'll that are cot in 4esrien. WhNe we krverdlgata your gtatadan, we rwrrrot repot you es deRnQtem or take any action to collect the amain you Qeadm. 3,t SpeHd Rule Far Credo Card Purchases Ii ycu Mve a prdiem vdth the qudhy of property or aervicea that you prxHased with a credt card and you have tried in good faith to rxxreei the problem with the meeHtam, wu may have the right rot to pay the randrlrg ameurt due an the prapeny c services. You have 1Ha prmecam only wften ate purdaee price was more then 950.00 and the puMase was made In your brats state er within 100 rases of your maiYng address. p1 are awn er aperde the merchan, or i1 we maNed you the adVertaafleM for the prapeny or servitxa, aN purHreaea are covered regerdesa of amour ar leceaa, of purHteae.) Please rarernher to sign all remesportdatce. t Dona rot apply to corrsurtar rxut-credit rand accounts 2 Does not apply to business rnn-uedif urd eccdaris One sttppons infomaaon privacy protecam: see our at www. late.can. One is a rdly re~tBred service mark at Capitd artdal Corporation. All ri~tta reserved. a 2003 One _ _ 01 LGLBAK ~' a. trace Parted, Yau will lave a mirimun grace period o1 25 days witftaY Martr~ charge m rew purctases, rtew belartrx treraTare, new spetld purchases and new other Htargas if you pay your toW 'New BslerrE', in ad~ dine ~ h w be cmdted~tu~repxrentat~ ticaktg date. Thee M ro grate (laded en milt advertces eM traerere. M eddtien, there M ro Qrece period m arty trertaecion if you do not pay the total New belartce.' 6. Acauktg Fkretaa ~f>•• Traraecricne vvfriHt are rwt abject ro e Brace period am assessed Rrtartce Hterge t ) from ate date of the trerwectim tr 21 from ate date the trereaCtlon is procered m your Across or 31 from the Rrat ralertdar day of the cxrerrt hiNkt~ period. Addaorrdly, if you rid not Pay ate 'New Belartce ftmt the Previaa [lNirg period in TuN, fsartce Hrerges certarete to aortae to yrxrc trtpeid talatrE rrVM the unpaid beMr,ce is paid kt ill. This mean oat you may sal afore fktatce Hargea, even if you pay the ersire New Belarrce irdcated m the front of your atatarrau by eta next stetartart rdadrtg date, but rid nor do so for the pretlote morMt. Utpdd Rrertce riarges are added to the segmem of yax Amorrt. tc. Mreritrsen Fitfraa .for each tilling period that your acntsx is act to a IktarrB Hrarge, a mklrram total FINANCE C:I-W E of 90.50 vMp be knpoeed. If the told Notice rJarga rm6ktn tram fife appNr~acn of your pedode rate(s) is kss then $O 50, we wiN auhtrsct oat amount iron the 50.50 minktxm end the dffererrce wiN 6e 6NIad to the purdase ae~natt of yar aornnt. t d. Terrpary Rtltalian it Pities f]t~ya. We reserve the right to rot assess arty tr eN Mertes ritargas for sty given 6ilirtg pedod- 2. Aversas Daly lalsrtas Iktokr3rp Nsvo Nrduaeel. s. Rrerxx riarga M cdclated y mJtiplykg the daNy bderitea of rent segment of your accatss (e.g., cash er~• f x~~•y ~ periede ~ (rates s) a~iatalas ~tffi) prevfaroly~ds~dosed m you. At 1M ad of each day d~inp the 6iNing period, vve amply tie drily periods reb for eecfi aegrtertt of your arrant ro fife dilly helertce of each segnerr. Tian et the end of ate hlkrtg period, we add rp the resits of tfase defy rakaietMre to cove m yar pededc trtartce Harge far sorb se¢nen. We add tq the resits from eadt segnent to arrive at tM total pedodc Rrartoa Herge fa yar acarnt. To gat ate daily 6dertce for each segnarr of your aocant, we take the belatce for each segment end add cryty rew tmrtaecaare am any pedede MartrB rherge ralnleted ro the prevrete day's balertce for oat aegnen. We tren subtrac any peymass a credts posted ss of tMt day that are dlorated to that aegnaa. TirM gives us the aeperete logy bdarrca for earn aegttant of your aantnt. However, If you paid the New Belerroe shown m yar previae steterrrartt M ill for if your raw 6alartoe was zero or a credt amaus), raw treraeGiore whidr poet m your prxrltase or epatid pumlasa aegrterra era rot added ro the da1Y 6elartces. We celalsro the average deNV bdartce bV addrg aN the daily 6elartces togetler artd dvidrg the stet by the neither of the days h the arrant IAlirtg eyrie. ro ralciste your tad Rrartce Hrarge, mtlHply you average deNy 6elartce by the logy periodic rate srrd by the seder of days in the 6tNirtg padod. Oue m randrtg m a daily beats, thtsre may be e 9tigh[ V81MrY'8 between Iota Glale[iort grid the 9111ara Of firarrB large aHteNy assessed. h. It the code 2 or N appeare m the from of tNs atatemem nets ro 'Balance Rata Applied To,' we rrehiply fire 28820M Important Notiioe: Your payment will be credted to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envebpe, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five 15} business days for postal delivery. Payments received by ua at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 4 zoossz DEBORAH L GRAHAM, you may be minutes away from saving as much as $400*per year on your auto insurance. PROGfIEll/!/E' AUTO /NSU/~ANCE Progressive delivers Page 2 of 2 DEBORAH L GRAHAM, savings and service P rogressive makes it easy to save time and money. In association with Capital Onem Progressive offers you a free, Compare rates and you could save up to $qoo instant auto insurance quote. A few minutes of your time could be worth up to $400 a year. Plus, you could save an Extra discounts additional 10%when your annual premium is paid in full. for paying annual premiums in full Count on our Immediate Response° Vehicles to come to you when needed. This convenient service brings our claims No-obligation, instant quote representatives to you to get your claim started sooner and settled faster. Service on the spot with Immediate Response® Vehicles Progressive is rated ,' ~~~ A+ (Superior) by the ;~ ~ ~i A.M. Best Company. /~~/ L,..,.~ Call Progressive today at 1-877-397-5374 or visit capitalone.com/savenow Please indicate Key Code PSo6. Our expert insurance counselors and claims representatives deliver personal service anytime. That's why Progressive has been recognized by leading insurance analysts for its financial strength. Find out if you could save. Call Progressive 24 hours a day, 7 days a week for your no-obligation quote! 1-877-397-5374. Find out how you could save HUNDREDS OF DOLLARS by calling Progressive for an INSTANT QUOTE. For even faster service, please have the following available: Call Progressive toda at 1-877-397-5374! or visit capitalone.com/savenow • Current auto policy for comparison • Vehicle Identification Number (VIN) • Driver's license number As a handy reminder, detach this coupon and keep it in a secure location for future reference. zooeaz PIQOG/9EfJ/!/E ~n association with C's'ipiil.~/Q/~ AUTO /NSURANCf Insurance products are provided and underwritten by, and are the exclusive obligation of Progressive American Ins. Co., Progressive AutoPro Ins. Co., Progressive Casualty Ins. Co., Progressive Classic Ins. Co., Progressive County Mutual Ins. Co., Progressive Halcyon Ins. Co., Progressive Hawaii Ins. Corp., Progressive Marathon Ins. Co., Progressive Max Ins. Co., Progressive Michigan Ins. Co., Progressive Mountain Ins. Co., Progressive Mountain ~ Laurel Ins. Co., Progressive Northeastem Ins. Co., Progressive Northern Ins. Co., Progressive Northwestern Ins. Co., Progressive Paloverde Ins. Co., Progressive Preferred Ins. Co., Progressive Security Ins. Co., Progressive Specialty Ins. Co., Progressive Specialty Risk Ins. Co., Progressive West Ins. ~ Co. Headquartered in Mayfield Village, OH. Not available in all states or situations. Insurance products are not Capital One products and are not offered by Capital One or by any of its affiliates, except where applicable by Capital One Insurance Agency. Specific features and options may vary and may not ~ be available in all states. Applicants are individually underwritten and some individuals may not quality. Your decision to purchase insurance and your choice of an insurer or agent will have no effect on your eligibility for any Capital One product or service. INSURANCE PRODUCTS ARE NOT ~ DEPOSITS, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY AND NOT GUARANTEED BY CAPITAL ONE. ~ 'Possible savings based on rate variance of annuali2ed comparison rates calculated by Progressive on calls received from 111/02 - 6/30/02. Rates and ~ actual savings will vary. The price Progressive offers you by phone or through the Internet may be higher or lower than the Progressive rate offered by ~ an independent agent or broker. ~~~ "Discounts will vary by state and situation. Paid in full discount is not available in CA, NC and SC. ~ By responding to this otter, you may be communicating information about yourself to Progressive, which provides this product-for example, that you are ~ a Capital One customer. ®2003 Capital One Services, Inc. Capital One is a federally registered servlce mark. All rights reserved. 1 ~~ ri 0 N N DEBORAH LGRAHAM-Name the place 28820M and save up to 30%. 8 ~ ~ i-800-1389-9706 1-800-462-8035 1-800-268-2195 1-800-682-ton 1-800-996-2087 V cau To~y.- 1-888-821-5779 1-877-202-8814 1-800-545-3545 1.800-769.0939 Call the toll-free numbers above and mention discount code #60830! 'Pianunt caries by kxation and tirx of year. Gnttos be used in oonjunaan with other ditawnts. Not appliahle to gtwpa. Adrattsa: n!cetvuhstu tequitei blackout dues tnry apply. Cendam• and the compaoio 4 ed arc noc affiliated wish CApid One std ate aoldy wtponuhk for that ptodm and sveion. BY'wP°"d'~ to th's oRa you nsayhe mmmnniotitg inforrtntim atrour yowdl m dsc company that p.vrida tfiis psodssa-Cot eanmpk shat you ate a Gpkal One aasrutrax (apiml Ooc dos not pstnide, esakue, w gwnnte: my peaksa or arrsioe shown hac MY tndcttm4 mrntioncd 6emin art wk}y ownsd by the tespeuive equity, sah~tf~yaur ~~ - All ryasu rczseed. Gprcd Oue hm ro affdiuion with thex rntisisY. ~ 200j G,pital Case Satviaa, Itsc Capid Onu it a fairdly naQismted seviae suds. All ri{d.ts ,eeerved. DEBORAH L GRAHAM You could save up to did you know... Call ~~~ . Please mention Key Code P347 Capital Q~° VISA GOLD ACCOUNT 4388-6418-2716-8845 Account S Previous Balance ;687.49 Payments, Credits and Adjustments ;33.00 Transactions ;62.32 Finance Charges ;9.12 New Balance ;725.93 Minimum Amount Due ;25.93 Paymern Due Date May 27, 2003 Total Credit Line ;700 Total Available Credit ;.00 Credit Line for Cash ;700 Available Credit far Cash f.00 Atvourselvice To catl Customer Rehrtions or to report a lost or stolen ard: 1-800-903-3637 For free online account servia and spexial aistemer offers, log on to: www.mpimlortemm Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Services Caporal One Servins P.O. Box 85147 P.O. Box 55015 Richmond, VA 23276 Richmond, VA 23285-50]5 f m n m N 665000-01 on auto insurance! or Click P/~OG/~Ell/UE` AUTO /NSU/IANCE MAR 28 -APR 27, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 24 APR PAYMENT RECEIVED -THANK YOU ;30.00- 2 26 APR MONTHLY MEMBERSHIP FEE ADJUSTMENT 3.00- Trattsactions 3 26 MAR SAMS GAS STATION HARRISBURG PA ;21,00 4 28 MAR OVERLIMIT FEE 29,00 5 27 APR CAPITAL ONE MONTHLY MEMBER FEE 6.00 6 27 APR PAYMENT PROTECTION 1-888-527-6904 6.32 Capital One has joined with Progressive Auto Insurance so they can provide you afast, free rate quote with no obligation! Call 1-877-397-5374! You could save 3400` by comparing rates Mention cede P700.'Possible savings based on rate variance of annualized comparison races calcailafed by Progressive on ells received from 6/]/O1-12/31/Ol (excluding variancrs Beater than;1000). Rates and arnul savings will vary based on driving record, vehicle, address and other fu7ms FiI]aI1Ce Cltatgcs Plearera reverrt ti d e for irnpartmrt infornui ti o rr Bdmirrrmfi ~ ~~ +µ Periadr (arx s p en ~g ~ gpplird to rote R AP liC, PURCHASES 5798.04 .0395696P 14.5596 39.12 CASH 5.00 .0395696P 14.55% Z.00 ANNUAL PERCENTAGE RATE ttpptied this period 1455% • PLEASE RETURN PORTION BELOW WITH PAYMENT. Capita~Q~~ 0000000 0 4388641827168845 27 0725930030000025935 New Bahuice 5725.93 Minimum Amount Due ;25.93 Payment Due Date May 27, 2003 Total enclosed f Acmttnt Number. 4388-6418-2716-8845 Street Apt x City Shre ZTP Home Plane Alranate Phone ~ #9011725817229115# MAIL ID NUMBER Capital One Bank a~' DEBORAH L GRAHAM P.O. Box 85147 ~~~nuu~~s~n~~su~~ ~ 902 ALLENVIEW DR Richmond, VA 23276 i` !! MECHANICSBURG PA 17055-8604 m ~ ~n~r~u~~ur~r~~ur~s~~u~~m~~ui~~nr~~us~~nr~~us~~sss~ ° '' ~ns~~~us~~~nn~i~n~t~r~n~u~~u~~uu~n~~~nm~s~u~r~~ Pleare vuritey~ur acmunt number onyaw cha,i! or money order ntadepayab/e to ~itnl One Bank and mail in the niclaredenvelope. A'tare pmtt nsailing adofrss mid/or r-mail rhrrgra brlem sotirsg blue or blanE imE r One toll-free call could save you up to $~~ a year on your auto insurance. capitalone.com/savenow Insunirrce products ere pnxaded and txtderwriten by, end ere the exduaFe obFgatlon d, Progressive American Ins. Co., Progreeahre Attol'ro Ina. Co., Progressive Cesudry Iris. Co., Progessive Ckask Me. Co., Progreealve Coatry Mutual Ins. Co., Progreslve Hekyon Ina. Co.. Progresdve Hawdi Ina. Corp.. Pragtesdve Marathon Ina. Co., Progresive Max hs. Co., Progressive ANCf~faarr Ina. Co., Propresaiva Mountain ke. Co.. Progreeave Mourdait Ltasd Ina Co., Prpgewrve NorNraetem Iro. Co., Prttgreserve Northam Ins. Co , Pmprassive Nortliweatem Ina. Co., Progressive Psioverrls Ira[. Co., Prograsaive Preferred Ins. Ca., Progreeaive Seaaity Ina. Co., Progreadva fipadaby kr. Co.,ptog.West Ina. Co. Headquerbred h MayNekl Vikge qi. Nil availOda )n d statsa or eNuetxme. Irtsurerra pradtrde are not Capad One prodtrcte ertdare red ortered by CePitd One or by arty d ere eNl~reles, except where tlppNcable by Capllel One Inataanee Aganry. SpecNk feeturea end aptkns me very and not be evdlstlla d dl 8190ea Appicsma are ind'NiduaNy tatderwr)Uen and come individuals may rot quelNy Yqa de[:iaion to pquurtltaee k+suranoe and your rlglce d en kieurer or apart wrN have no eReC1 on your ~>~y Capital One product or sarvfce. NiSURANCE PRODUCTS ARE NOT DEPOSITS, NOT FUIC INSURED, NOT INSURI3l BY ANY FEDERAL GOVERNMENT AGENCY AND NOT Gl1ARANTEED BY The pdoa PProroggesdve olfera you by Phone err Mrough the Internet may be1ygI~r a lower the tlt Progressive rate oMered by an ien~tlent agsm or broker. 'PasdDle cavfrxls based on rate vanance d annualized rxxrparfcon rates cakuleted try Prt>ve m cape receNed tmm 1/1/02- Rates and octal savings ray very. You can ako buy Progrwcive insurance from an autlmrrffzed ktdepandeM agent or txoker. The pots wa otter you by phone a the intemd may be higher or lower then the Progressive rate oNared Dy en independent agent or broker. 8 O t O ~ ro tod N Please mention Key Code P347 PR06REIl/!/E' AUTO /NSURANCE p~edadc rete. To al»dn The avenge daNy lalartce for the tllling period covered by [tier rtatement, vie talae the hegimng helartra of earn segnern eats day, add any new trerrectiana to each aegnatt, and at6trecr arty peymema or trades. (If the code N appears on the fiord of tltis statemem next to ' Blanca Rate Apoled To,' vve loo a6tsct any rapeid Nrartce riarge Yttludad in tit halartce of sets ern.) Tfrt gtar ue the deny balance of eats ae(Tnem. Then, we add up eN tM daily balanoea far earn aegnem for the 6(Nirtg period and duels by tit rind rxenher of days in the billing pedal. TNa glees u the average daily balartce at each aegmern. 3. AtsaW P~artaps Rotas (AIMi). a. The trim "Aural Perrantege Rate' may appear as 'APR' an the [torn of tF:a statemem. b. If the rode P (Prkrte), L (3-mo. LIBt~21, C (Cerdfrate of Deposit), err S (Bankcerd Prime) appean an the hart[ of this staiemern next to tfa periodic stets), the pederNc retea and mrteaportdrtg ANNUAL PEfICENTA()E RATES may vary parterty and may Irorease or decrease based an the stated in6cea, as tared in The Wi// SUeet .Awrna/, dos the margin Wpreevfauly dsdoaed to you. TFase Menges vi1N he eflecdve an the flro ley of your billing period covemd 6y your pedadfc antemem gxNng in the mashy January, April, July and October. c If the code D (Prime), F (1ytw. LIBOR) or 0 (3-rtro. LIBOR Regked MmtHy) appeere on the [tenet at your statemem next to the pedadc stela), the peria6c rinser and correapertdirg ANNUAL PET)CENTAGE PATES may vary mentNy and may irtcreas or deueafe based an the stated iMcea, as found h TAe Wad 3tzeet JorntraR duo the margin previardy dadosed [o you. These dartgea will be efiectlve m the Prat deV of your tiNing paled eats memh. 4. Asessrrtrrt of Leta, Ovrinrt eM Ra4ared Pryrrrera Fes. Yow errnM U,iN he eseasd ro more then two of thB (sea Hated has that omx dakg arty hNWrg period lAtdar the tamer of your aetamer agreantxs, wa reaane tfa right to wdva or rot to arras arty teas tMtltort prior rotiRrrtiort to you vridtort wdvig nu right to asses the erne or ahilar teas e< a Mter tint. 5.tRaterrrirp Ypn Aeaant. If a membership fee appeare m tit front of this etetemert, you lave 30 dew from the date des raatemertt was t1leNed m You m avid DelirtN the fee or to lave atrch tae cra6ted to you if Veu rartral yon aooarx. Orahg this Period, Y~ may candnrre m us your aornnt vridiora hevkig m PeV tfr mentberslip fee. To carted your acconrr4 you mtsl roriry tt by raNktg our t]srtarrar Relatlere Department and pay your Haw Blertce' in itll (etadtdrtg the man6eship fee) prior to tfa eM of oa tHrtydey period. B. M Yea Closer Yar Aooourt. You ran regtea m dose yyoo amass by caN•xt8 our Qalmter Relatlers DepartmerR. Yeu rmat destroy your aedt card(s) and atxxturu atxaaa dtecks, corral aN preaslndzed ltNirg, and aria s arrarrn. H you do rot carted preauNndzed artaganersa, we ra,Y rnrider receipt of a drerga your etetnrizatbn m cooper[ Vat aaarm. AdddaaNy, Vow acoaas wNl trot be dosed oral Vou taY eN tartaaxs Yro ewe u kxirirg~ arty trarraaiat yar lave autlndzed, firtartce dterges, past Aar fees, overNrrrit fees, rettaried paymers fees, rash advartoe fees and cry odor fees aaaeeeed m your aooasa. You are reapataiNe Tor [[eras amaaas wfatlter tray appear an yttw aerates et the time you ra4rat to leas the arnorrs a they are kranred a6ae¢tent to you requaet m dose tea secretor. This may ream in Merges ep(aerkrg m your accent after you have ynr amain if it hen dready 6aen dosed. For example, if you atNndzed a pwMSe from a nardran and we rarxiive the traaaxlon tram rite merdtatt aRer your amaeK Ira been dosed, yax atxbtrtt vitN be raeperad, the emtttrtt d the diarga wW ha added ro your ecrarrit, eM yyoeuu wNl De raeperidHe for paymertt. If there h a memhereNp fee Tor your aorarn, the fee wiN txtrtdat m be drr0ed, to the exten pemritted by law, rntN the rrtxotex balance has been pall In kM ea deflred ebova. 7. llaitg Vat Aeaant.Vaur card or aocam carrot he used h rxxrocdon with arty kserttt gamhNrg [rarte[Yierl6. B. Natioa Ahat Eleea'artio Orok Carnrrdsn. When you provide a droclc n peyrtras, you aralodze ro ehfter to rte kiformation from yar duck to make a txta-time daxrorlic fad trenafer from year lteNc amaratt a to preoas tfa PaYm~ ea a Meek trsrractien. When vve tree hfdmetlan from yas• dterJr m make an electronic fund trertfer, ftetde meV be wldtdrevvn from yow bore[ er~otrn ere soon as tfa same ley we recelire yax paymera, and you wNl rot reCaiye your Mack heck frtvn your flriatdel iradnaion. KILLING RIGHTS SUMMARY Ile Ceae Of Ertore Or Oueatiart Abcut ycur BIID It you link yea NN M wrartg, err if yntU treed mom infomadat M a vartsectim or hill, vaife to tr en a separate sheet ea soon as peaeble M the address fa irtgtidea shown an the tram of this statement. We moat hear tram you ro later [tern 80 deryyee abet we earn yort the first 6iN m whits the error or proden appeared. Yau can call cur Ctatomer Rdetion nether, der ddng ee witl trot Preserve Your rights, h yaw letter, give r rite idlowing miomatiom yaw tame and aoeam camber, the ddlar amain of the auelacted error, a deacdpdon of the ertar and an exdanation, if poedhle, ot'"t'Y you believe there is an error; or it you need more infoanatton, a deaedptim of the hem you are roans afran. you de not have to pay arty amain in gteatian wNe we are inveatigeting it, hrn you are atiN ohNgat~d to pay the parts of yaw tiN that are rot in grtatien. 1MrNe we invesdggeeto your queadon, we coma[ report yw ere ddirtquart or take any emien to ooNea the amain You µteadan. f,t Spedal Rtie for Credo Card Purdasea It you Fave a pradem with the Qrdity o1 property or aeMrxta tlat you purchased whh a ere8t urd and you Mve tiled in good faith m tartest the problem with the merMarn, you may have the right rot fe PaY the remainirq amaad due at the progeny a sMos. Val lave this praect)on only wlrn the purcheee price weer more [fan 950.00 and the pradase was made in year home sere a within 100 miles of your mding adrkesa. (lf vve own or operate the merclarn, or if vie inertial you the adverNaemem for the Draperty or aervicea, aN purtlatree as txtvered regardes o amtxm er krafian of purchase.) Phase remember to sign all carreapartdertce. t does rot appty to eonwurtef nerreredit cats scca»ts t Lbes rot appty io business non-credit card accounts One supports intarmadm pdvacY Protection: see w at www, alwr.com, Orr is a idly re~steyed aeMce mark of Capital bridal Corporation. All dgMa reserved. a 2003 One OILGLBAK t. lierv To Avoid A Firma Orpa. ter. C,Yaea Period. Vau w(11 have a mirimun grace period of 26 day vridott lktarice dtarge on crew purdases, new balerioe tsrtefere, raw ~edel prrrtlaaes and row ether Merges if yar pay yarr told 'New Belertee', h eceordatce wilt ttte Mportant Notice for payments below, acrd kt time for k m be credited bV ytxtr rtatd aetanaa dodrtg date. These is ro grace period m cash advartoes std spatad trerofere. h addidm, there n ro grece period on any trerrectiro if you do rot pay tit. tad 'New rrelxrra.' b. Aomriy Ferree Cltarya. Trarterdar wfiM are not arhject to a gra® period are seaeard Nrrerrce rsarge 11 from the date of the tsrrecrien Or 21 from the date the trerrec[ion is processed to your Arrerss a 3) fmm the first rafrader day of the renter[[ biNin~ period. Addkimlly, if you did rot pay the 'Now Belerre from the previott biNirtg period ki WN, lkrertce drerges cartdrttB to socnre m your urtpdd belaxxxr asN the unpaid tmlerice h paid in ksl. This mean that you may [INN owe faiax8 Merges, evert if you pay the eraire Now BMerfr~ ktdiceted m the frmr of yew aatertias by rite tad aetemaa cloairq date, but did not do >n for the preNaea malt. lipoid Koonce Barges are added to ttaeppkr aepnert d your Amanx. tc. Miiaan Flntios i~itpi.eFor eats biting period tint your amore[ fs arbjnx:t m e firtertoe Merge, a mktkmm tetd gtJANCE l]-IABGE of 9D.50 wiN be imposed. If the total tktertce dirge rea/tlrtp from the pplrr~ of your pedo3c steal is leas than 90.50, weawiN abt~ract that amotm fran the 90.50 minktxm end the differerxa wiN he billed to the prrdrae se~na~ of your cornett. td. Tsarpaay RsArolian it Firt~taa Qrarya. We reserver efts d~openriootdesaeaa arty or eM firenca largos for my given 2. Avreps Daiyr i.ir,e. rrtrkarrp Nw, walraasi. e. Rrarra Merge is ralasated by mtltiplyfng Me daily 6elartce d salt aegrnert[ of your aconnt le.g., cash adverroe, purdaae, spell [ratter, and apedal purda®) DY rite mrrerpar3tg daNV Pedo~ stela) that hey heat pratAatdy d{adosad m you A[ the end d mM fiery Axktg the 6(Nirg period, we aPdV the dNly paiodc sin for eats sapttas of year errnlrt m the daNy ttlartea of each segment. Than at the acrd of the being period, vas add rp the ream of these defy ralalstiax to arrive at your pedodc firtertce large for eats sepnent. We add rp the reatin from each aegllltlri[ to arrive et the tool pedodc firartce large for yerr eornn. To get the drily blartce for eedt aegrbna of your soeant, we take the ttegrrtktg belartce Tor eats aegtten and add annyy crew tranaacdone and arty periodic lktatce drrga ralalated on the pmvfat day's bdarrce for that aegnea. We then aubtrect any peynreres a cradn posted ea of the[ day flat ere diocaterf ro that sagmaa. This gives ce the seperas aaNy belertce Navy ~aigr~a rot ~ accart. However, if you grid the your pnevias atnemarx h irll (or if your now belara weer zem or a credit amass), crew trerreriforta wfidt poet m ynx purdtes or spell purclree aegnaraa ere rot added m the daily talares. We calalan the average d~yy~~k~alsnoe by addnN aN the daily blarttxs togalier and dwang the am bV the nether of the days h the txnartt dMhN eyrie. To caltxiete year total firortm large, naldply V~r everege eaNy Mlerra by na daily rete end by the camber d days h the hiWrg pad Drra m raatdrtg m a daily basis, there may be a aiigFx vsdartra betvveai rites alalation and the amore of firrrtoe dryrpe eataNy ssaesed. b. tt the coda Z or N appean m the hint at this antemart red m 'Balers Rate Apprred To,' vie mftiply the 28768M Important Notioe: Your payment will 6e credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the ancloaed remittance envabpe, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. - First S months half-price ,~ ~` ` a month; ~ ~ ~ 1®.951mo.thareaNar Now with FREE Accelerator for the fire! tZ months*-w'QO value SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: GARNET Or visit www.ptaopit3pc.com/go/garnet Capital lea Aaount S Prevtons Aalancr 1725.93 Payments, Credits and Adjustments 157.00 Transactions 512.01 Finance Charges =8.57 New Balance 1689.51 Minimum Amount Due 120.00 Payment Due Date June 27, 2003 Total Credit Line 1700 Total Available Credit 110.49 Credit Line for Cash 1700 Available Credit far Cash 110.49 At your service To ra8 Customer Relations or to report a lost or stolen card 1-500-903-3637 For free online accoum service and speaal nistomer offers, log en to: xnvw.cxipitalone.mm Send payments to: Send inquitirs te: Attn: Remittsna Preorssing Capital One Services Capital One Services P.O. Box 85147 P.O. Box a5015 Richmond, VA 23276 Richmond, VA 2328 5-5 0 15 Imvortartt Account Information Capital One is a proud sponsor of the American Film Instihtte's CBS primttime special presentation -- "AEI's 100 Years...100 Heroes & Villains: Americas Greatee Screen Characters.' Of the century's great film heroes and villains, who is the greatest hero and who is the greatest villain? Will the list contain James Aond, Rocky Balboa, Hannibal I.ecter, Catwoman, Indiana Jones, Norman Bates? To find out the answers to these questions and marry more, tune in to CBS, Tuesday, June 3 from a-]IPM (EDT/PDT) 7-10 PM ~ (cDT~. M VISA GOLD ACCOUN'T' 4388-6418-271Cr8845 APR 2R -MAY 27, 2003 Page 1 of 1 Payments, Credits and Adjustments i 18 MAY OVERLIMIT FEE CREDIT 129.00- 2 23 MAY PAYMENT RECEIVED -THANK YOU 25.00- 3 26 MAY MONTHI Y MEMBERSHIP FEE ADJUSTMENT 3.00- Ttanaactions 4 27 MAY CAPITAL ONE MONTHLY MEMBER FEE 5 27 MAY PAYMENT PROTECTION 1-888-527-6904 • PLEASE RETURN PORTION BELOW WITH PAYMENT. Capi~la~ID~• 0000000 0 4388641827168845 27 0689510025000020003 New Balattct 1689.51 Minimum Amount Due 120.00 Payment Due Daze June 27, 2003 Total enclosed i AmanttNtunber 4389-6419-2716-8945 16.00 6.01 14.55% Strcc Apt k cty s~ zm Home Phone Alemum Phone Finsil Address ~ #9014825817229110# MAIL ID NUMBER I Capital One Bank ~ ~ DEBORAH L GRAHAM P.O. Sox 85147 ~~~unn~~~nt~~u~t~ rn ~ 902 ALLENVIEW DR Richmond, VA 23276 ~ : MECHANICSBURG PA 17055-8604 N ~ ~u~t~n~~nt~t~~us~t~~u~~us~~utl~m~~nt~~m~~nt~~ut~ ° ~ ~m~~~m~~~uu~t~tt~t~t~ts~u~~tt~~un~u~l~tnn~t~ti~r~~ Plrnre unite ymu armament member on ymn rJxr,~ a mmuy ender made payable to Capital One $an.~ and mail in tJx nulared emxlop~ Plrarrp.inr mailing add~m, and~or email rdungrs brlom suing blrr orbla,p ncE Finance Charges Pkaaramkrreruk for impatant isfonaaliort Ealartnratr P1+iedr g ~ eppludM r~r R PURCHASES t71G28 .0398696P ]45596 =857 CASH 11.00 .0398696P 74.55% 3.00 ANNUAL PERCENTAGE RATE applied this period peoplepc~M online ~ Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® V 1115 ProteCtlOn powenxi by SymantecT"' ® Pop-Up BlockerT"" `~7 Spam Controls ®~ Smarter Smart Dialer Technology ®- o' More Email Addresses ~ , ~ Internet Call Waiting r peoplepcT~ online ~ Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-8'T7-778-1207 Mention Offer Code: GARNET Or visit www.peoplepc.com/go/garnet g sa O ~ M ~ ~ N N PecplePC k solely rasptxsible fa this offer, and Is rltx ttfflNtded wNh Capital On¢. Capital One does rot provide, endorse a gliaraMee, and ~ not affilWted with, arty product a service shown here. Any trademarks mentioned herein ere solely owned by the respective entity. All rghts reserved. By respotdng to this offer, you may be wmmunicetirg infomtetion about yourself to the company Nat provides this product - fa example, that you are a Capital One customer. 'Peoplt)PC Onkne: Rrst 3 months ere bAed at 54.97 per monN; 59.95 per math tfttrreafta. ONer availe6le to new diaFup subsaibers at least 18 years of age and may rat be redeemed with any other tNFer. ONer subject to change at arty dine. Plane technkal support available fa 51.95 pet minute. tAcceleratas tree fa 12 months. Offer good fa limited time. ANer Ne first 12 months, the Accelerated service wit autortlegcdy revert to the standard PeoplePC Online service. Offer subject to charge a< rtrtytfine. Whh PeoplePC Oelkte Accelerated, rredein Web page text and graphics wgl bad Tesler when compared to standard dial-up IMrmet service. Actual results may very. PeoplePC Online Acceeated is ony rwmpetible with PeoplnPC Onine Internet service end specified Windowa(9 browsers. PeoplePC Online Atx~lrreted is rat canpatble with Windows 95 waft IE 5.5 SP2. Service not avaiable in ell arms. Access tees, taxes, and other fees and restdctbns may apply. Telephone till cheryes may apply, uwat dung trial periods. You are rt:sportsible for determbing wf a call to one of ota• access numbers will resuN in teieplwr» till charges. Access may be limited, especialty during times of peak usage. Dial-up numbers may be dtaged at PeoplePCts discretion. Continuous use subject to timeout prOCedrtBS All use a subject to PeoplePC Ortine's SeMces Agteunent and Acceptable Use Policy. 55K is the maximum speed d xrvbe; actual speed may vary. 0 2005 PeoplePC Inc. AN Rights Reserved. PtaplePC Online and its logos are trademarks of PeoplePC in the U.S. end other countries. ® 2606 Capital One Services, Inc. Capital One is a tedareiy registered service mark. NI rights reserved. pedodo rate. Te obtain the average daNY halartce for the billing Period covered 6y this aatemwn, we take the beg)mng balance of each aeQttem each day, add any new tsrtaemiens m earn aegnatt, and alnsm erry paymesa or credga. (It the cede N appears en the tmrt of this wnemem nett to 'Balaroe Rate Applied Te,' we loo arlnsct any repaid finance charge irtduded in the balance of astir ~gmrm.) This gives s the daNy balance of each aepnartt. Then, we add tq eN the daily 6alartcea for eatl+ aegnem for the haling period and dvide by the tml nrmber of days in the titling period. This gives u the average daily balance of each aegnem. 3. Araad P~ar<tga Rats CAPRI. e. The term 'Arwrel PercaMape Rate' may appear as 'APR' ro the firers of 1Na watemem. b. If the code P (Prkrtel, L (3-mo. LIBOR), C (Cerdficete of Depoaitl, a S (Bankcenf Prime) appears m the tract of tHa wafwnent next to Ate pedadc roe(s), the periadc rmes and cerreaperdrtg ANNUAL PERCENTAGE RATES may vary quenerry end may irtaeeae er decrease based m the stated indices, as fond in The WaIJ street Jaraal, plus the margin DpretAotdy dadased to you. These changes wIN 6e effective m the fiat day of your Wiling pedal covered by your peAodc watemem atdrtg in the mratMs Jantery, April, .hlyy and October. c. If the code D (PAme), F (taro. L1ROR) a 6 (ion. LIBOR Repriced Metthly) appeas m the hart of your watemem next to the pedadc stele), the pedadc rates and corteeportdng ANIMAL PERCENTAGE RATES may vary monlHy aril may increase er decrease based ro the stated indoea, as Land in 7Ae Watl Street ./artW, plus the margin prevlaxly dadased to you. These changes will be effective m the first day cf your WIRng period early mamh. 4. Asenmerrt ttf late, Overirrt ant ihYdnled Pay1M1Y Fes. Vnr erxxsrn vA be sassed ro mere Mart twe of the fees fisted has drat erxytr dtakg arty hr7kg ppeed. lrtder the terms oT yar arworrtar agreement, wa reserve the rlg)rt to waive a rot to eases arty fees witMa aior rodfiratbrt to whhax wdvkg our right ro assess the aerate a akrtNar e< a later time. 5. Yar Aemart. If a mearthesNp fee appss m the fins M this statement, you have 30 days from the date tlia watentant was maNed m you to avoid peykg rite fee a to have arch tae credted to you if Yeu rerrcd Vac acoam. Qakq tftis period, you may rardrrtra ro use yar rtrxnsit widwra havktg to pay the membership tae. To r~rrel yeti accent, you mttw a dDaY y~~r ~ in ft~l tdr~t mrtent mattberalip fee) plat to the end of [fat tNrtydeY pafad• B. N You C6s Yar Aamrt. You ran regttaet to rioae yn aanan bV ra1Wg ar tlrwamer Raledaa Depertmerx. Vou rare[ dawroy your aedt card(s) and aaaran ara~ dreclrs, rartcel sN preaafwAzed ditg, ercl cease yw eaxttnt. If you do rot rartoel preaafnAzed arsrtgamerts, we wiN roneidar receipt of a charge yotr arrthorizeriro m reepert yen aarotrn. AddtiataNy, r~ aomut[ ww rtot be r•Joaed rash pw paY aN entotsne you owe us irtdtrdrtg: erry tsrteacdorrs you have aratnAzed, lktertoe dargae, pat due fees, overNrttit fees, rrrtrmed PaYrner+t fees, rash advwtce fees ant arty after fees asaerned to ynr amaatt. Yeu are reaportaihle for Mss arrtann wltetlter they appear on your eccetnt at the time you retFrew to dose the aantrn a they era ktaned a6ea¢res ro your ret~~tew to clone the arxbutt. This may salt in dtargas appeerrtg on your amant after you have iff you auModzed a al>trdte~ hen admerdant ard~we a, racehre the trarractlm ham the merrltwx after yen ttmdtn hoe been rioaed, Your accent wW be reopened, tfw ameun of the rlterga wYl be added ro yar emarn, and yyoouu will 6e resportslde for payment. ff there M s membesNp fee fa your accent, the fee wiN certdrttre to be rate , to the etrtent Pemit[ed by law, utd the arrant rtce has beam pad in fW ea defirod above. 7. llsina Yar Aemnt.Yax card or aocarn cerrtot he used 'n rarxtecdert with any interne[ gemhirg trartsacdarts. 8. Nwiaa Abet ElaWarrio CJtsok Qorararmn. When you provide a rlteck s peyrttes, you aufwdze td rldtar to tree information from ynr attack to make sate-time deetrorie turd trenafer from yax bank artarn a to process the peymern as a dteck trereaction. When we tae inhxmatlm ban yorr dtack ro make an dectrmic and trereter, hrtda may be witfdrewft from yar bank arraran es seen se the same day we mraive y~sr payment, and you wW rot receive your Uteek beck from your faterdl irtetinaiat. BILLING RIGHTS SUMMARY (In Case Ot Errore Or OttesAera Ahatt Your Rill) I1 you think your NH is wrong, or if you rwld mom inbanatlm m a tsrreectim a Wq, write to tw m a separate sheet as soon as posahle ai the address fa irtpildes shovwt on the frern of tNa watrmertt. We moat Mwr ban yeu ro later then BO deya after we aertt yeu the Tirst hql m vttriM rite error or pretlem appeared. you can call our t;ustaner Rlatiate rrmher, but long s'o wiN cwt preserve your rights. In you letter, give us the folktwing infamadm: yea name and arxaart crasher, the tiller ameran of the aapecred error, a descdptian of the error and an etplartmien, If pesside, of whyy you believe there is an error; or i1 yeu need mere infennatien, a deaeAplien e1 the hem you are uqure about. Vou do rot have ro PaY anV amarn in question wWk we are inveatiged h, hrn yvu am wiN abllgetad to pay the parts o1 yax W~that am cwt in r><teatim. NMIe we in a your question, we rerrot repot ytsr ae ddirt¢rem er to .any anim to eeNect the amarrt you questim. i,t Spedal Fkle For Credit Card Purchases It yeu have a prehlem wIM the qudity of properly or services that ya, purrlaaed with a credt card and you have tiled in good faith ro correct the problem with the menftam, Veu may have the tight ram to pay the remaining smarm due an tiw praperay a aereir:ea. You here this prmetAen eNy wfwn the purchase p~ vwa mem then 950.00 and the purchase wee made in yea home slate a whhin 100 miles of you maiNng address. 111 we own or operate the merdum, er if we maNtd you the advertiatmem br the ProPanV ar services, aN purr9tasea are rovrered regerdess of amaum er leudro of ptachase.) Please remember to sign aN mrtespeNderx:e. t Lbr_e rot aPNY ro rensrrnter mn-rrecU1 card aceamis i Oee.4 /rer apaly 10 busktess nrrl-GB[f%r card acoant3 Capital One tapporta information Privacy Protecdan: >~ w wet191te 81 WYVW.CapltalUllemgCyatn. Or~ie Fire dal Cofleaipdor~eaum. A71 'ertgh~ta rseaMer eel a 20~ phal Capital One Ol U3LBAK 1. Fkvrr To Avid A Fistoe Cirpa. ta. Oraee Period. Vau will have a mirtimun grace period at 25 days witfteut lktatce rltarge on crew purriteaes, new talartce trerafera, crew spetlel purrltaees and new other darges if you pay ytax tad 'New Balatce', in arlnrdartce wiM die MnWrtarr Nods for peynterns blow, end kt tkne Tor h ro 6e credted by your refs watanertt tiowrg date. Tltate is ro grace period to cash advertcea arcf apaeid tnrefara h adddert, diem ~ ro gace period on arty tsrtanctien if you do not pay the rant 'New blartce.' b. Aaatiq tarsroe tlvpa. Trarteactiara whidt are not athjea ro a grece period are esesad finance r3tari)e 11 from the date of dre trerteactien a 2) from the date the trsrteset)on is proceued to y«r Aeearn or 31 from the fire[ raladsr day of the current hiNin~ ppeeriod Addtimdly, if you tld not PaY the 'New Blanca fiom the prevfae 6iYirtg paled in hM, fatatrB tlterges oortdne ro accrue ro your typed ItelwrB call the rspakl txilartce a paid in fill. This meare Mat you mayy still owe referee Utarge®, even if Y~ P¢Y the entire New Balatce irtdca[ed on the ban of your watrrman by the re~a atrtrtmwn tdodrtg date, but rid rot do s for the preWote marsh. llrpdd finartoe titargea are added to the appNrahla aegnran of your AmnraY. t c. aiTitirram Fnatae C1sye. for each billing period that your ecmrrn is subject ro a fxtawe cJterge, a mrimun cal FlNANCE CFrIgAeFKiE ofn9p0.50 w)N baeppiNnpaead. Ifythner rfede eras [sl iais las Men 90.50, wa wiN a~rect that entotnt fran the 90.50 minirem end the 6fferara tnAtl be liNed to the purchase ~grtatt of your aocaan. td. Terrpatnr Rebrdivt in flna+aa Orsrya. We reserve tFre Agin to cwt sasses arty a aN finance rinrgas for arty gven bung perod 2. Avraaa Daffy Balrtoa (YWaita Naw Rrdraesl. e. Rnertce charge fs ealeWated y mrldpl rite daily belertce oT astir a¢grrwrn of your accaran e.g., cash advance, purdtas, spell [reefer, and cep®al prrrlreael by the corsapendrq dally pededc ste(d that has heat previouNy dsrloaad ro you. A[ the end of each de the NNkg pamd we apply lire daily peAodc sro for aegnertt of ywr~accant to the daNY 6derre of salt segman. TFtwt at the end of rite hNkrtg period, we add W the reacts of rites deNy ralalniorta to active n periodic flrtartce clarpe for salt saQrtent. We add tp the reatlta item each sagnrtrn to arrive at the ford peAodc finance riterge for yar arratan. To get the daily bdarrr for exh ttagtteM of your aocaan, we take the hegircwtg balatce fa each segnern end add ssrttyy new trartsarYiats and roV peAodc firtmtce Gmrge celalatad on the previoss day's bdaroe for the[ aegrtan. We then ttubtsct sty paymess a crerits posted s of that ley Met em dlorated to Mat segment. This fives u the separate flatly hdertce for astir sagmerx of your serest. However, if you rite New Belatce wtown m your prevkxa atatartan kt 1 (or if your row balerax was zem a s creel[ arnarx>, row tsrteaetierte wWrit pow to yrxr prritese a spell purrltase aeprtans are net added ro rite Gaily bwaroea. We calnlaro dye svesge daffy balance bV addng aN the daily balwtoes togatlwr and dvidkq the am by rite amber of the days in the arras bfiNrtg cycle. To celtxlwe your ford firerta r7targe, ramdY Ynr average daily 6dertce by the deiy peAerie rate and by the nntbar of days in eta 6iNirtg perod. a,e ro raatdrtg on a daily basis, tl,ara may be a dig)tt variance 6atte~srt dtis cslaletion and the smous of flrtartce rJarye acnatly artssad. b. If the code Z a N appeas m the tram of this sstanem rwx to 'Belaroe fiats Applied To," we raltiply the 31594M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the encbsed remittance envebpe, and your payment is received in our processing canter by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET, Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Qur business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. First 3 months half-price a moron; ~.96/nto. thereaftx ,(8~ ~ FREE Acre/erai~or' ~.~~'''' .e«~ r.Y.~.r.. ~ rs SIGN UP TODAY! 1 ~877~~78-1 ~~~ Mention Otfier Code: OPAL Or visit www.peoplepc.com/go/opal Capita/~~e VISA GOLD ACCOUNT 4388-641&2716-8845 Account Previous Balance E669.51 Payments, Credits and Adjustments E30.00 Transactions E11.92 Finance Charges E6.43 New Balance E679.86 Minimum Amount Due E20.00 Payment Due Date July 26, 2003 Total Credit Line E700 Total Available Credit E20.14 Credit Line for Cash 5700 Available Credit for Cash E20.14 At your service To cell Customer Relations or to report a lost or stolen card: 1-800-903-3637 For free online aomstnt service and special autemer offers, leg on te: www.capitalenecem Send payments to: Send inglli[ies te: Attn: Remittance Proessing Capital One Services Capital One Services P.O. Box 85147 P.O. Box 85015 Richmond, VA zi276 Richmond, VA 2ii?fl5-5015 f m u7 MAY 26 -JUN 27, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 i6 JUN PAYMENT RECEIVED -THANK YOU t30.00- Transactions 2 27 JUN CAPITAL ONE MONTHLY MEMBER FEE 3 27 JUN PAYMENT PROTECTION 1-688-527-6904 E6.00 5.92 Finance Charges Pkarerx rcutrr~rrd~for important infrrmwtion B1men Hate Ariedr ('.err g epflirato rate PURCHASES :6922(1 .0399696P 1455% E6.43 CASH >;.00 .0399696P 14.5996 i.00 ANNUAL PERCENTAGE RATE applied this period 145596 ~ PI.EASF. RETURN PORTION BELOW WITH PAYMENT. ~ ~~~~~~~ 0000000 0 4388641827168845 27 0679860030000020007 New Balance E679.66 Minunum Amount Due E20.00 Payment Due Due July 26, 2003 Total enclosed E AanuntNumbee 4389-6418-2716-8945 Capital One Sank P.O. BOx 85147 ~~~tnu~r~~~tn~ttt~~ Richmond, VA 23276 ~u~t~n~~nt~t~~ut~r~~u~~us~~us~~nt~~m~~m~~m~~u~~ Plrarrp.;rrr rrrailirrgad~vrr ~ra~~re-~u.~,~r ~rtam ~gb~e ~~t~ ~.rt. streer ary 003 peoplepc~~ online u Abetter way to Intemet. PeoplePC Online offers the features you would expect from higher-priced Intemet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up BlockerT"' Spam Controls ®~ Smart Dialer ® P~ More Email Addresses ®~ Internet Call Waiting s~ k Iome Ptmte Alknwoe Phone #9017925817229115# MAIL ID NUMBER DEBORAH L GRAHAM '~ ~ 902 ALLENVIEW DR ~ ~ MECHANICSHURG PA 17055-8604 m ~ ° ' ~m~~~ut~~~uu~t~n~t~t~~t~u~~n~~un~n~~~nut~t~n~t~~ Pleare vurite ya>n accaunr number on your cheuF or money order made payable re Capital One Hank and mail in tlx enrlared emrlape. App t Z~ r peoplepc~~ online ~ Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: OPAL Or visit www.peoplepc.com/go/opal 8 o O i PttoplePC is solely responsible fa Na offer, ant is nil af5liated wfth Capital Orie. Capital One does not provide, endoree a guarantee, and is not af5tiated with, any product a service shown here. My trademarks mentioned herein are eddy owned by the respective entity. PJI rights reserved. BY responding to tlta offer, you maybe communicating infamte6on about yourseff >o the company that provides this prtxiud -for example, that you are a Capital One custaner. •PeoplePC Atxelerated: First 3 months d service art biled et 54.97 a month; $9.95 a mend! thereafter. 12-match commitment required fa PsoplePC Atxatltxated. MoNh-to-Month pricing with no term commitment ie:t4.95 fa PeoplePC Accelerated; 59.95 fa PeoplePC Online without atxxlerata tttchndogy. Offer avaiWde to new dial-up subscribers at least 18 years d age and may nil be redeemed with any other offer. Offs subject to flange al any tlme. Phone technical support available far $1.95 per minute. twth PeoplePC Ovine Accelerated, certain Web page tent and graphite will bad faster when t.ompared to standard dial-up Internet service. Actual resuks map vary. Sarvu;a not available it aN areas. Accxtes fees, taxes end other tees and restridiwts may apply. Phone techNcal support avapattla fa 51.95 per minute. For t)tleaUorta, call tdl•hee el 1-8885rAYNOW. ®2006 PenplePC etc. PeoplePC Ovine and the PttoplePC Logo are rapsttlred trademarks of PecplePC, Inc. Trademarks are properkea of their respective owners. All Rights Reserved. Service not evadable in ell areas. Accxiss fees, taxes, and other fees and resbidiaa may BPPM. Telepftoce tell charges may appy, even during trial periods, You ere responsible for dettsitKkng whether a call to one d ow access nlmbero will reatllt in telephone tell tilarges. Access ntey be hNted, tttlpedeNy during liras of peek Ike. Ola~up numbers may be changed a< PeoplePC's 4scretlon. Contltwous use suDjtxt to ameout pracedua. All use is subject to PeoplePC Onkne's Services Agreement and Axeptable flee Pdiry. S6K ie the maximum speed of xrvice; actual speed may vary. ® 2006 PeeplePC Inc. AN Rights Reserved. PeoplePC Online and Its bgos are trademarks of PttoplePC in the U.S. and otlter countries. ® 2005 Capital One Services, Inc. Capital One b a federeNy registered service mark AN rights reserved. pededc rate. To obtain the average defy balance for the billing Peeled rovered by tfia BnemeM, vve take the begimrg balance of each segment each day, add any new iraraactiaa to each segnerd, and shtram any payments or credta. (lf the code N appears m ate hart of tfia atatemem row m 'Balance Rate Applied Ta; we also stbtram any trpeid fnartce dterge irttluded in the halarroe of each aegntem.) Tl~ia gives ue the daily belanoe et sent segmerrt. Tften we add ty aH the daily bslartcea for each sgrnan for the hilNng ppeeeled and dvide by the total rxrrrber of days In the hNlktg pedaf. This glues ro the average daily halartce of each sagnem. 3. AmW Pr°antapa Rates (APIr). a. The term 'Arrrel Peroeraage Rete' may appear ea APR' m the fran of 1Na nnemart. b. If the code P IPrkne), L 13~rto. LIBOR), C fCerdlMate of Depmitl, a S IBmkrad Prime) atpean m tfa tract! of this hatemem nett m the pedede rate(s), the pededc rates and ce ANNUAL PERCENTAGE RATES may vary QUarterty a may irwreeae a decrease based m the sated indtea, as farad in TAe Wa4 SVeer Jouael, plus the metgh previately dadased to you. These tlwrges wIN he effective m the first day et yatr hiNhg pe covered by your pedodc atatemem endng in the match Jaaary, April, July acct October. c. If the code D (Prha), F (!titre. LIBOR) a G (3-mo. LIBOR Repriced MmtNy) appeaa m the harts of your atafemerrt next to the pedo6c carets), the pedadic mtea and mrreapertdng ANNUAL PERCENTAGE RATES may vary montHy and may increase or decrease based m the stated irtdces, as fond h The Watl Street Jorms/, plus the margin previaely dsdoaed to you. TFwae changes wiN Ire effective on the fiat day of year hillkg peeled sent momh. 4. Assaesrtsrt of late, Ovarirttt acrd Rabntad Payrrtstt Fws. Yea arxwtn vdN he assesed ro mote lien two of the fees listed here flat axis dtrfrg arty 1tiNkg period. Urtdar tfa terms of your txerorrter eprmttera, we rsave ate right ro waive d rta to asses any fern tvidtptr prior rtptilk`ation to you wither weivkg err right m eases 1M erne er simNer fees at a later data. 5.tRstawhV Yrttr Aertars. If a membeaNp tae appears m the frpn of tNs statement, you have 30 days tram the dam this rraterrterx was mailed to yea to AVeld peyktg 1hE fee a m have suit fee fl'edtBd Lo You if you carrel yore aawtra. Draktg this P°dod, you may candnte ro tee Your smart[ wMinta having m pay the rrremheralip tea. To ranml Yea smart, you rmet nasty ce by rallirg our I]etarita Raletiore Depertttttxd and pay YYaa New Belertce' h its (etrdttdrg ifs nterrthenftiprfee) prior m the era of the ihirty~ev Pabd- 8. N Yttu Cbs Yrar Aooart. Vou ran rages[ m dos yy~ar e®rra by raMng car !]starer Fielatlore oepertmen. Vou moat dstroy tide creel! cerdfa) ant arrwrra arras decks, rartral aN taesNraized bNlhg, and cease terrtg_your erxard. H you do rnt cancel Prrsxalgdzed bNlktg artartpanteraa, we wY rmsder receipt of a dter~ yea atdwrizefkn to reopen tiyeatrr atxmtm. AdddaaNV, blur emard wW trot be tlosd rra- Ym P°Y aN arrtetras you ewe ro irtrhtdrg: arty treraeetiera you Mve erttltodzed, tirterwe dtargea, test due fee, overlhtit Teas, rettnad peymera fee, rash arlvartae fee6 acct arty otter fees sassed to yea aawutt. you are re~atdhle for rtes errtatrtta tvhetfter stay eppsr m year arxbtra a the time you re¢teta to dose tla erretm er they ere irtaared arthaegren m yea rs}tst m dose the execs. This may rash h dargs eppaarirtg m Wur s®tra after yet Mve your erYwtrrt if it has already !teen dosed. For et®rrple, if you erMtedzed a ptrtiaae from a merdartt acct we receive the traraacdon from the rrterdara after your acmtm hea bean dosed, V°r+ smart wiN rte reopened, tie anrant of tyre large wi be added m yar eocam, acct you wYl t>e reaporaihle for paymttm. If there 6 a memheahip tae for yarr atxxttra, the Tae vviN rwrttine to to ate to the extern Pemtieed by few, uwN the arrant ~ hea been pad h fill as rleflrted shove. 7. llriq Vac Aamrs.Yar card or accam carrtot he used in cerrtecdan with any insets! gambling treaerdiaa. R. NtNioa Ahat E7aahortia (.look Ceriv'arsion. When you provide a check ere peyrnen, you aurhorite u eider m use informadat from your dteclt to make a a~tkne dttctroric hrd trertafer from yea berth arxntnt or ro process the peyntenf as a dreek tranaadien. When we use hfom front your dtack m make an dectrortic had trerafar, firtda maY he widtdrawit from your bank amen! s coat ea the same day we receive your payment, acct you will rot receive year tleck beck from yar rrartdal ktsitWen. BILLING RIGHTS SUMMARY fln Ceae Oi Enron a Ouesriaa About Vour Rile li you tHnk yea tilt is wrong, err if you need mare Intonnatltn m a trareectian a hill, welts to u m a separate aFwet s soon ea tteslHe et tM addres fa irquids shown on the from of tlis atetemem. We must hear ban you ro later thin RO deya after we Bart you tFe first till m rabid! the error a pradem appeared. Ycu can call our Getaner Rdadana nrrrbar, htn ddng se wfN rat preserve year dgMa. h year lever, give m the tdhwing infermatiem year name acct aemrrt amber, tfa ddkr amass et tfa strpected error, a descdptim of the error and an ettplanadm, iT txtsaihle, of wiry yea believe there is an error; or It you reed mom infonnatrm, a description of the brm you are tnstre ahran. You do rta Mve to pay any amass in gtasrion wfile we ere MtveatigeNng it, bur y«t are still adipeteel to pay the parts of your h'll tMt are cwt in quest)en. Mile we investigate year ateatim, we recast report you as delirtquad or take any action to caaecr the amour yet, grttatien. i,t Spatial RJe For Credit Card Purchattes li you lave a prehlem with the attdlty of property or services tFat you purritsed with a creel! card and yea lave tiled h geed faith to somas! tfa problem vJNt the meroMm, you may have the rigid cwt m pay the remaiNng amard due an the property err srtics. Vau Rave 1Hs prmectlm oNyy vuhen the ptaritase pace was mom 1Fan 850.00 and tie purctas was made h year homy, state a Wthin 100 etas of yea maiWtg address. fit we own or spacers tfa tnerdtan, a if we mailed you the advenisemem for the p nV or srvices, aN purdesea are covered regardes of smear or kratlon of ptudase.) Please rerriattber to sign all mrrespatdatce. t Goes rxti appy to catsulrter rtar-cradir cad accanfs t Deer rot apply m diabrr_4s nett-credit cad accounts Ca p'sal One alpporta infortnatim privacy protection: see err webaite at www.cappiitalaa.can. Capital One is a lederelly aced service mark of Capital Ora Frtendal Corporadan. All dgMs reserved. ° 2003 Capital One Ot LGLRAK t e. (~aas Period. Yeu will have a mirimun grace peeled e1 26 days witftottt flrtertee riterge m new purtiass, new belertoe trorofere, new apedal purdtesea and new ether rhertpa If Vott PaY blur total 'New Balace', h eccordatce wit}! the krportarx Iioece for paymert[s below, era in the fa it to he cradled by yea reta stettmen tloairtg date. There is ro grass peeled m ash advartrra end spacial trerafers. h adddan, there n ro state period m arty trertasxien if ypu do rte pay the total New balswe.' h. Aaartiq Frtftea Otapa. Trartaectima wftidt are cwt sritject ro a grace period am esssad flrterx:e riterlte t 1 from the date of the traraecdort a 21 from the date the trertsction is procesad to yax Accent a 3) fran the flret ralerder day of the errata dMkt~ oedod Addtlartally, if you did rot pay the 'New Balertce from the previae tiMg peeled h TuN, tirtarra Utergs oerwirxe to emne m your trtpaid balers' !cell the repaid halartee is paid in fill. Tlaa meero that you mayy stlN owe flrenoe dtargee, even if you DBV the entire New Bdertca ktdcated m the from of your stetetmtra by the next stetrmera tioaktg date, Wa del rot do so mr the prevlotta mortdt. lJrtpaid flrartoa dterges are added m the segment of your Amara. tc. NiNrriram Firrtsaas~uyy .Far earn billing peeled that t d Rt~iANmCE q{AfirlE of 80~ 6 ~I he~kitpoeed. If the total Anertce charge reerldna iron rite appNmtim of tier pedode rete[a> Ia leas dart 80.50, we wiN ath[rect tMt amass fran the 80.50 mirirram era the dHerert[a wiN be biNed to the ptsdtaae aegrt~tt of yea acmrx. 'r d. Tarrpvrry Rsdrdim h Firansa Chsga. We reserve the dgrtt m rot sasses env a eN firertce dtergea for env gven eirktg peeled. 2. Atrarapa Oily Balsrtss f New Hrdtasaal. a. Rrurtce charge is ralctieted V °'ait~Virtg the daily belarwe of srh mvrtent of yaa somtnt le.g, tact! advertrB, purchase, >~d trerafer, era apedel fradtase) by the rareattarNrtg daily periods ratelsl that fas heat previnety pdea~irioodaed to you. At der era of earn ley rtrkg the hilNrtg i , we aPPIY der daffy perfodc rate for sad, segntera of yea aorntnt to the rLil Yelarwe of eadr aegmara. Then h the era of the aalrg period. we add tp der rasher of rites daily telaietiora to anlva at pedodte fatertee riarge htr each segrttaa. We add tp tlw resits from sect! sgrten to arrive td the tad pedaic flrartce dtarge for yea accent. To get tie daily balance for sat sgttent of your erratrtt, vve take the hegimirg belarwe for sect! tregnera and add arW new treraerxlara acct arty ppeeriodic Wterxs dterge ralalated on the previeua day's bslarwe for that aegntent. We then sbtrect arty peyntertta a credts posed s of that dsy that are dlorated to tMt sgnaa. THs gives ro the sapende daNy balers fix esrh segment of your eccotrtt. I-lowaver, if ytw mid the New Relates afrptnet on yet taetdde tratemerY h fill (or if your raw hderrse was zero a a creel[ emarY), raw trsasrriata vdtidt poet m your ptrdtse or apedal parties eegnass are rot ertlad to the daNy belartcea. We celatlam the average deNV balance bV eddng dl are deilY belarres together era dNdng the sun by the nether of the days h the errata hOkq eyrie. Te ralaiete yea lard fltartce dterge, rntltlply blur sveroge daily ~an-'° W the deNy pedock ate acct by the camber of days kt the 6ilNrg peeled Oue to roudrg m a elegy baste, them may be e ~a vadarae between tltia ralaletion acct the stem of fhertrB derrga eceeNy aseaeed. h. It the code Z or N appma an Ma ban of this atateman next m 'Balance Fists AttpNed To,' vve mukiply the 28585M Important Notice: Your payment will be creaked to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five 15} business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. First 3 months half-price 1 ~ a rrantlr 59.95/mo. tttereaner SIGN UP TODAYi 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral oos peoplepcT~ online ~ Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! Email Virus Protection ® Pop-Up Blockerr"' Spam Controls Smart Dialer Phisher Security C~ Internet Call Waiting CapitaliQy~° Account Previous Balance 2679.86 Payments, Credits and Adptstments =20.00 Transactions 1105.40 Finance Charges ~B.28 New Balance 5773.54 Minimum Amount Thu 173.54 Payment Due Date August 27, 2003 Total Credit Line 1700 Total Available Credit 3.00 Credit Line fin Cash 5700 Available Credit for Cash 5.00 At your service To call Customer Relations or to report s lost or stolen card: 1-800-903-3637 For free online aeootmt service and special ctutonw offer, log on to: www.apitabnemm Send payments to: Send inquiries to: Attn: Remittance Proecssing Capital One Servicrs Capital One Services P.O. Box 95147 P.O. Box 850]5 Richmond, VA 23276 Richmond, VA 23285-5015 VfSA GOT,D ACCO[TNT 4388-6418-2716-8845 Payments, Credits and Adjustments JUN 28 -JUL 27, 2003 Page 1 of 1 1 11 JUL PAYMENT RECEIVED -THANK YOU t20.00- Tran_eaetions 2 14 JUL SAMS GAS STATION HARRTSBURG PA 118.65 3 18 JUL EXXONMOBIL75 04202628 DILLSBUR PA ]5.]0 4 24 JUL N AMERICAN NOTARY SERV 4122817871 PA 29.90 5 26 JUL OVERLIMIT FEE 29.00 6 27 JUL CAPITAL ONE MONTHLY MEMBER FEE 6.00 7 27 JUL PAYMENT PROTECTION 1-888-527-6904 6.75 I`,nance Charges P/carcrareverreridcfor important information Bda°erratr Prriaair ors ~ g ~ .~ftirdt° r~r R ~.Il.H1C N PURCHASES {64232 .0399696 P 14_5596 3828 CASH x00 .03986%P ]45596 i00 ANNUAL PERCENTAGE RATE applied this period 1455% • PLEASE RETURN PORTION BELOW WITH PAYMENT. • ~apHa~l~e• 0000000 0 4388641827168845 27 0773540020000073543 New Balance ='773.54 Minimum Amount Due 173.54 Payment Due Dare August 27, 2003 Tonal enclosed f Aooount Number. 4388-6418-2716-8845 Capital One Bank P.O. Box 85147 ~t~u~u~t~n~~t~t~n~ Richmond, VA 23276 ~u~s~u~~ns~t~~us~t~~u~~ut~~nt~~ut~~m~~n~~~nt~~us~ A'tarr p.iat mailing address mtdiar retail dmgrs brleru umtg afar a• atm~ inF Strrxt ppc Y City Shoe ZIP Home Phone Alternate Phone ~ #9020825817229112# MAIL ID NUMBER DEBORAH L GRAHAM m : 902 ALLENVIEW DR N ~ MECHANICSBURG PA 17055-8604 o . ~ut~~~nt~~~un~t~n~t~s~n~n~~n~~un~n~~~nut~~~u~s~~ r Pleare ~nitey~ur arlartnt number anyour rlwck m money order nwdepayable is Capital One BanE and mail in tLe encJared en~uelopr. peoplepcr~ online u Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.coMgo%oral 8 O ; O 7 N N Peopk:PC is coley respor~ible for this otter, end is not affiliated wfth Capital One. Captal One does not provide, endorse a guarantee, and is not affiliated with, arty product or service shown here. Any trademarks mentioned trerein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourself to the company that provides this product -far example, that you are a Capitfil One customer. 'PeopItlPC Online~~~flsibf ~~billed at $4.97 a month; $9.95 a month thfseafter. Offer available to new d9b~ sq{q~gt~plt~s of age and may not be redeemed with any other offer. Offer subject toMC~e ~4~p~Bt~GPf~(~e (~r,~~ir~aL st~~rs~t4availaWe for $1.95 per minute. For questbns, call till-free at 1.888-STRYNOW. 5 Service tai available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone till charges may apply, even during trial periods. You are responsible for detLYmining whether a call to one of our access numbers wiH result in telephone till dlarges. A[x>ass may be limited, et;pedelly during tales of peak usage. Dial-up numbers may be changed at PeoplePC's disfxetbn. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. S6K is the maximum speed of service; actual speed may vary. ® 2006 PeoplePC Inc. All Rights Reserved. PeoplePC OMine and its logos are registered trademarks of PeoplePC in the U.S. and other counides. ®2006 Capital One Serwces, Inc, Capital One is a federally registered service mark N rights reserved. ppeedock rate. To aMain the average daffy balance for the dlNrq p~eriod covered by this stalemem, we take the hegimirtg balance of earn aegmem each day, add any new transaefiona to each segmem and st6trect any peymema or credta. 111 the code N appears an the from of this statement next to 'Balance Rate Applied To; vve also alttrect any tspald fkarvx charge kldttded in the balance of eeeh aegnrrn.) This gives us the defy balance of earn segnart. Then we add up eN the deNyy 6Mances far each aegnera for the bung perod and dvide by the total ra,nher of days in the hiNfng paled. This ¢vea raa the averapa dilly belarce of each aegrnern. 3. Amrel Piaansga Rstas fAPRt. a. The tens 'ArraW Percersege Rate' may appear as APR' an the front of rtis statemem. b. If the reds P IPrknel, L 13-mo. LIBORI, C (Certlflrate of Deposk), a S IBenkcerd Pirtle) appears m the from of this atnemem retrt to the pelede retels), Me peledc rotes aril cerreaporafng ANNUAL PERCENTAGE RATES may vary quarterly aril may increase or decrease based on the sated irdcea, as fond in The Wad SVeet Jatrne% plan the margin prevlotdy datlased to you. These Mertgea WN he efkctive m the flrat day e1 year hiakrg pedal covered by your peladc statemart errdng in the rrrenMa Janwry, Apd, Jrly and October. c. If the code D (Prktre-, F (f mo. LIBOR) or O (3-nro. LIBOR Reploed MontNy) appeare rn the Mom of your atatemem next to the pedodc ratela), the pedede rates aril mrreepardnp ANNUAL PLTiCENTAGE RATES may vary manlly and may Increase or deneaae based rn de stated indcea, ea Land in The Wad Street .Ibrwnal, plus the margin Previoudy dadoaed to you. These danger will be ettactlve m the Ares deV of War hilllrg paled eats mardh. 4. Aewerrrrt ttf Lata, OvrNrrri aril ftaharrad PrWrrrt Faas. Your aocorax wq be easetred ro more than tw,o of the fees listed here that otnx dakrg arty hiNkq period littler the terms of yaw aetaner agreartas, we reserve the right ro waive or nor ro assess any fees vrirtxat plot rraufiratien m vsAtlrori weivfng nx rift to essase the acme or similar et a Inter time. 5. Ytar Aooaart. If a memhereNp fee appears m the tram of tfls ttatement, ydl have 30 days fran the date this stettrmerc was meted to you to avoid paykrg the fee or ro have ouch fee credited to you if Y~ earrcel yax arrant. btMrg this Period, Wu may rnraine ro use Wrw aomtnt withou hevkrg to Pev the rneerrbersliP fee. To canal your amoaa, you must rtotlfy ce by tallkg rxw Qetomer Ralatirna De<amrant std pay New Belarrce" in fill lextlttdrg the 8. N Y~Y~arr A~oootat. You ran re¢ee io daa yyaouwr sanax by calflrtg aw Qetomer Rtiedas Depsroratt. you reset destroy your credt cerd(a) and acmnt aoceaa decks, rarroel aN praeutMlzed liNirg, and cease ytar amoral. If you do not carrel preeuMolzed emetganteras, we wi rxaaider receipt of a large you aullsalzsliat ro reopen your errant. AddtlaaNY, Wtw amoal wi rot be dosed usfl ypu PaV aN anotrsa you owe to kxiudng: any trereecUOna Neu have etwMrfzed, flrtertoe drergra, past due fees, overlYnit fees, renarad PeWtent teas, reap arratal. Vert ar%reaporraihle for tlreee ameuwso ~wheAter cJ~ ~ r~m~ «amous at the tlna you request to they are irtarred stioee¢ren to yotr ret8rae to does the aomnt. This may resit in ~~* appearing m Vaw aerates after you have yaw emaaw if k has dreedy been dosed. For example, if yet atlhaized a peadase from a nerdant aril ue receive the trsraedion from the merdtsra steer yaw arrant fors been dosed, War arrant wi be reoperad, the amara of the dterge wi be etfifed to ytxw somas, and you wNl he resportshla ter peymeri. If there is a memhereNp fees ter year emars, the fee vNN mdrxte to be charged, to the e~derrt Qemtitted by law, uaN the amoum balance has been yard In fill ea deflnad above. 7. Uiq Yar Aeoous.Yaw card er arxbum cemot he ueed'n cerrtection with erry intemet gamhing traraarYlass. D. Msfias Ahat Eleatrarrio CJrsok Carveraion. When you provide a drack as paytnera, you audedze u eidter to tree information tram yaw check ro make a orto-tirre dtxxrortic fill trenafer from ytxw hank amastt or to process the paymers ea a Meek trerractkrt. When we tree information from yaw deck to make an eleclraic fund trerefer, fade maY ba widdrevvn horn War bank somas as soon es the same day we receive yon peymers, end you wil rot reteive ytxw leek beak from your fefenial inslttalm. BILLING RIGHTS SUMMARY (ln Case Of Errors a Otestlana About Ycur BiID It you tNnk ytxw hill is wrong, or if you need mart infonnadm m a treneaetim or NN, write ro ue on a aeperete sheet as soon as poea~le at the addreq far rntgridea shown an the Tram at this stntsnrwn. We moat hear from you ra later flan 80 deyyee after we rterrt you the flret MH rn vAlM fie error or problem appeared. You ran roll cur Ctetemer Ralatiera nanber, bur daMg so viN not preserve year dgMa. In your otter, glue tm the fdiewing inbrmation: your name and aocaad nan6er, the ddlar amaun of the auaprrcted error, a desclpdtn of the error and an explanadm, If poatltle, of whyy you htlieve them is an error; ar it ytx, reed more fntemtatien, a deseelptien of the item yen era unrwe abai. You de not have to pay any amotan in r8realian wile we are invertigetr'r~p h, but Wu are atal ahNpeted to pay the parts of your hill that am net in penion. le we Investlgata your gtreatlrn, we ramot report you as ddingiem or take any eetien to exieet the ameum yar gtreaden. 2,t' Spedal F#ie For Credt Card Purtiaxs If Vou lave a prehlem with the qudiry of property ar aenicea Met you purchased wNh a eredt card and you have tiled in good faith to correct de problem with the merMel, you may have the right rot ro pay the remaining amoul due an the property a aervlcea. Veu have this praectirn sly w-an the purchase price wee mere than 850.00 end rte pttrclase wee mode h War home Hate or within 100 miles of War maing sddteas. Ilf we own or operate the merMars, or if vve mailed yw the adveniaemem for the p ray or aervtces, aN purdattea are covered regardesa of amaurt or loratim of praMase.) Please remember to sgn aN mrreaperdnrt. t' Does riot apply to cansutrar non-reedit rant ecmuats S /ktes rot appryr to busetess con-credit card ecrbe»ts Capful One atpporta information privacy protection: ace ors webaite at www. alaie.can. Capital One is a rally reg~ateyed service mark of Capital One Hrretdal Corporation. All d¢gs reserved. 0 2003 Caphal One O1 LGLEAK t a. trace Pared. Ycu will have a minimun grace paled of 26 days without flame dterge an new purriteaea, new balance transfers, rew apedal purhasea aril new agar dtargas if you MY Mw feel 'New 6elerre', in end~'n tk~ne for 'rt two be credted~ce ~ ~~~ mow, by Vou card slalanerri doekq date. There is ro grace pelod an cash advances aril apetiel trerafere. kt addtion, there n ro gram perled on any treruactim if yore do rot pay Me told 'New belerra.' b. Aaarirp Firtrraa CJr:.ys. Trareectiore whits are ram erLjaa ro a gra® period are aeasaaed tirartce titargs 11 from the date of the treraection or 21 from the date the traraet.Yien is pror~ssed ro your Aaotnt or 3) from the first ralerder day of the txtrrertt dNirr~ period. AddtloraNy, if you rid rot pay the 'New 8dera.~e tram the prevlore ls7irrg perod in ftll, lkartce drargas mskxe ro scone to ytxw ulpaid belarr~ ursN the rafpeid helartce is paid M fill. This meara that you ma ati sae Nranae Merges, even if you pay Me erwire New Balance indicated on the front of your sutemertt by the rext statement daefrtg date, hu rid not do ao for the predote n1mM. Urpald Nrance Herpes are added io the segrnertt of your AanaY. t c. Mirrkraan Finatea~Fer eats filling period that your arran Is ssr~~eu ro a Mtence large, a mirimun total FINANCE ftOE ofrg80.50 vviN be Imposed. If tWhuer dock Brat (s~is lei then 80.50, wa~rea dot rrmrxtrc from the 80.5D minkram aril the dfferenoe wiN he hied to the pumfase aet<nentaof yar arraax. t d l~ otof trot ameas arry~orFk~rato~saar9s~• We reserve the padod ~ ~ any 9verr 2. Avarags Daly 9alerres fYrektd8rp Nsw Hrdrsrl. a. nnence large is calctlat~ y mrltiplyfng tie daily falerr~ of eats segment of your amoeax (e.g., cash advertre, punYase, apedal trerefer, aril spaial vudrese) by the mrrespondrg daily pariodc ratels) that has been prevfordy dadoaed to you. At the exd of eadt des dung the hiintg pencil, we apply Me d~Y {teriodc rota for each segmerY eii War eraernt m the daNy talex:e of eats segnem. Than et the aril of tie bilkrrg period, we add W the resits of these deNy rakalniora to arlve at pelorfic fkarae Marge for each aegmatt. We add t>p the malts from rant segmaw ro amve at the tore) peledc firaraa rriarge for ynw eeeant. ro get the daNy balaance for eats aegrrent of your amour, we take the brrvrrtktg balance for earn segraw end add arrtyry new trerteersiora aril any ppaadock flnertce large raldiated an the preNae day's bdertce for that sa¢nax. We than st6trtrm any paymatts or credre prated es of that ley Mat ere alkrated to that segnerw. Thin gives ue the separate daAy talsrx:e for eats segtrers of War accorss. However. if yw paid the New Bslartce shown an you prevkxe are[enrertt in fi/1 (or if your raw balart® was zero or a credt amottrx), raw treraaetlora which poet to ytxr ptarlase er apedel ptrrdase segnass are rot added m the deNy bslerteea. We celalete the average deNyy balarr8 by addrp aN the daily baiartoes together rand dvidng the sun by the amber of the days fn dre axrem bigirg cycle. To celala[e yaw tool flrence large, mWNply your everege rfeay belartce by the daily pelodic rate and by tta Hatcher of days in the piing period Due to mtrdrg m e daily bars, there may be a slight relexr between tlaa cekala[ien end the rrrrrara of flrorr;e desrge ecnelly aeea®ad. h. It the code Z ar N appears m tfa ban of tfis autematt nee ro 'Balance Rate Applied To,' we roritipy the 2f320RM Important Notice: Your payment will be credited to your account es of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envebpe, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five f5) business days for postal delivery. Payments received by us at any other location or in another form may not be cred'Red the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do Hat use staples, paper clips, etc. when preparing your payment. First 3 months half-price 1 ~ a ; f6i.95/ma thttrealter SIGN UP TODAY! 1-877-778-1207 182716 45 Mention Offer Code: JADE Or visit www.peoplepc.com/go/jade CapitalQy~° VISA GOLD ACCOUNT 4388-6418-2716-8845 Account S Previo»s Balance (773.54 Payments, Credits and Adjustments 180.00 Traru~actions 512.23 Finance Charges (9.59 New Balance (715.36 Minimum Amount Due (21.00 Payment Due Date September 27, 2003 Total Credit Line (700 Total Available Credit f.00 Credit Line for Cash (700 Available Credit for Cash f.00 Atvaurservice To aD Customer Relations or to report a lost or stolen card: 1-800-903-3637 For free online account scvia and speaal astomer offers, lag on to: www.cspitalor~com Send payments to: Send inquiries to: Attrc Remitmnoe Processing Captal OM Serv,ces Captal One Services P.O. Box x5147 P.O. Box x5015 Richmond, VA 23276 Richmond, VA 29285-SO]5 JUL 28 -AUG 27, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 27 AUG PAYMENT RECEIVED -THANK YOU f80.00- Tmnsartions 2 27 AUG CAPITAL ONE MONTHLY MEMBER FEE (6.00 3 27 AUG PAYMENT PROTECTION 1-888-527-6904 6.23 Important Acoount Information Did You Know? Capital One offers more than just credit card products. With more than 47 million accounts, Capital One provides valuable financial snlutior~-including auto loans, personal loans, CDs, money market accounts and more- to one ovt of every three homes in the U.S. F"u,ance Charges Pkarem reuerreridrfor important infornration ~ Bdmsnrotr Pestiodsr (.anesynndmg ~~~ ~`'~ gbplirdto rote AAPPR ~ PURCHASES 5775.79 .0398696 P 14.5596 5959 CASH f.00 .0398696P 14.55% 5.00 ANNUAL PERCENTAGE RATE applied this period 14.55% • PLEASE RETURN PORTION BELOW WITH PAYMENT. ~~~One' 0000000 0 4388641827168845 27 0715360080000021002 New Balance f715.36 Minimum Amount Due (21.00 Payment Dtte Date September 27, 2003 Tonal enclosed t Account Number. 4388-6418-2716-8845 A'imr pant mailing cddnss mid/ar torsi! rhm'grs ertam ttsd~gbhar ar blm F ixk sv~ a~ ~ City Sux ZIP Home Phone Alamax Phone s #9024025817229115# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Box 85147 ~~~ ~ ~~ ~~~ ~ ~ 902 ALLENVIEW DR cons nr m r1 Richmond, VA 23276 N ~ MECHANICSBURG PA 17055-8604 ~n~r~n~~m~t~~ut~r~~u~~nt~~m~~m~~ut~~us~~ur~~nr~ ° -J~ ~nr~~~nt~~~un~r~n~t~t~n~n~~u~~uu~u~~~unt~r~u~r~~ PLnre suriteym ar~aunt number onyour click or money ordn madepayable to Gpital One Bank and mail in the enclaredenvelope oos peoplepcTM online u Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Vrus Protection ® Pop-Up Blockert"' `~ gSpam Controls DEBORAH L GRAHAM ~ P~9CL~~Y~i'I~W DR ~tl~ PA 17055-8604 r peoplepc~a online u Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/gorade ri ri trr~ ti fi tti ti fi fi 8 O i O ~ O N N PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse a guarantee, and is not affiliated with, any product a service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may be conmunicating iMormatbn about yotxseM to the company that proades this product -for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other otter. Offer subject to change at any time. Phone technical support available fa $1.95 per minute. Fa questions, call toll-free at t-877-778-1207. Service not avaiable in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone tell dlarges may apply, even during trial periods. You are respontmble fa determinng whether a call to one of our access numbers will r11sWt in telephone toll charges. Access may be limited, especialty during times of peak usage. Dial-up numtrers may be changed at PeaplePC's disaetktn. Contlntwus use subject to timeout procedures. All use is subject to PeoplePC Online's Berates Agreement and Acceptable Use Policy 56K a the maximum speed of service; actual speed may vary. ® 2006 PeoplePC Inc. AN Flights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. f~ 2006 Capital One Services, Inc. Capital One is a federally registered service mark. AA rights reserved. pedodo rate. To ablate the average deYy halanee for the hieing Pedod covered hV this statement, we take the hegimrtg bekrrce of each aegmam each day, add any new trereacdare to salt eegnatt, and stinract arty payments or credta. 111 the code N appeeta m the horn of tHa ndemem re>A fe 'Balance Rate Applied To," we dap atMract any taipeid tirarce !large included in the balance of oath aegn~nt 1 This fives ce the dally belana of each aegnern. TFa3n, wa add rp eN the dailyy helarrcea for each strgnem for the Nlllrq paled and dvide by the tad nether of days in the bigrng pedod. This glum ce the average daily 6dartce ei salt sagmem. 3. ArasW vrwrnaga Ris rAPRt• a. The term 'Areas! Peraxtega Ram" may appear as "APR' m tla froJn of ilia nnenertt. b. If the Dods P IPtimel, L l3iro. UBOR1, C (Cerdfrate of DePosft), a S (Bankrard Pdme) appears m the ham o1 this nnemem next m the pedals rdels), 4a deck rates and cerreapondng ANNUAL PERCENTAGE RATES may vary rytanedy snd may increeae or decrease based m the stated irtdces, as fond in TAe Wall Street ./eons!, plte the margin previotrAy rfiatlosed to yar. These tlangea WN be effective m tla first ley of year hillkg pedod covered by your pedadic statemem endng in the manha January, Apol, JJy and October. c. If the cede D (Prices), F (1yno. UBOR) a G (3yno. LIBOR Reprkad Mm1Ny) eppeare m the Rom of your atatanmt next to the pedals ratela), Ha pedadc rhea and corrmportdrxt ANNUAL PERCENTAGE RATES may vary mm1Ny a may iroreeae er decrease based m the stated irdltxis, m toted in Thor Wall Street .lawns!, pus the margin previeudy dadosad to you. Throe langm Wa be effecdve m the Iret ley of year billing pedod etch mmth. 4. Aaasaatrtet or Leta, Oveictrt and Refund VaYnrara Fans. Yrtur eccecnt wi he artaeaead ro more dart two of da fees Fated here slat omu AMrtg roY ~0 Period !!rider the lama of Your aetomar agraernert, we reserve tla rig<a m wdve a rot m aseer arty fees wirhna prier rtedhstim to you vuidrora wdartg ou dgFn m sasses the same a simaer fees e< a Iamr tkra. 5.1Reuwiq Ytru Aoeerea. If a mrmtberdip fee appears m the iron of this atatemax, you have 30 days tram the dam tNs steterriert wras atdMd m you to avid paykrg the fee a m Mve etch fore cradled m you it you cereal you aocant. Dudrrg Chia period, you may tmtirale to ilea you epcant witlna having m PeY the nrentherehip lea. To rand yotw rraxttaa, you must etx Custatter fidatiora rmtmt notify ue by wing acrd pay yd New Balance" in fi11 lextlttlrtg the mernhera it poise) prig ro the end of the thirty-dav petlod. B. N You Cbae Yau Aosaea. Vou ran reµet m lase ynr areorta by raairrg ou Qaacmer Relatiora eD pemren. You moat .feetmy yew rredt card(s) and a[xxrraH aoceas decks, rJrtod a1 preesindzed bikg, and cease ~srp~~yar aceasa. If you do rot cancel pnaauthodzad eMln9 ertenpatrteras, we will oorrddar receipt of a charge yen atltndzadon to reopen your amawn. Addtiora/y, Your aececaa wi rot he dosed u~ You PBY aN amants you owe tr kdudrg' any trerractiore you have ataMdzd, Rance dtsrgea, peat lie form, aedimit fees, renarrad payrnak fees, rash advance fees and arty otter tam aaeesaed m your eooara. You am rmperaaya for these amasas Wader day appear m Vmr aooaaa et tfa time you reQtmt to close the octant a naY are inaawred ebee4tea m G e ~am~ Y~awa ~ T ~ ~ narJt rn yrxr acpart if h het dreedy been closed nor exerrple, if ytv erdredzed a ptarheae from a merchaa and we receive the treraectlm from the marrian after you eantnt lore been closed, your sceotrt vri be reeperad, the errant of the darge~wi be added m your secant, and yyoouu will he rayrtrrer~hle for paymea. If dam is e membership nee for your aocatrc, the fore WM certirr>3 20 he lamed, to the etamt pemYtted by law, oral! the accernt nee fors been Paid in fill es defired aheve. 7. Uaig Ytrs Aaaeuk.Vaur card or accawn urxnt be reed in mnrectierr with arty intemet gembirtg treraactlerts. R. Wedoe Ahat ETesaartia t]reek Oorwrarttfon. wlan you pmv(de a lack es peyrrtax, You audrodze u twdar re use information tram your leek to make a era-elms dectrolc fiord trenafer Rom yar berdt eccasx a m proceaa the payment m a deck trareactien WFan we use information from Yale deeck to make an dectrmic fiord trerater, lords may he withrYawn from your bank aocant as soon es tla same ley we reeeiwe ynu peymem, and you will rot receive yar lack back from Vau fnarrdal iratinaiorr. BILLINr; RIGHTS SUMMARY (ln Case Ot Enea Or Oueatiara AMaa Your Bia) It you think ywr hie is wnang, ar if you reed more Intamredm m a nareacdm or hill, welts to u m a aepereie slam es soon ea pmalhle at the address for ingidm shovel m the hem of tHa natemertt. We moat hear Tram you ro later than e0 deye after vve amt ynr the first bill m which the error or prahlem appeared. Veu sore call cur Ctetamer Rdadan rsanher, hrrt dcing ao Wa not Preserve Your dgias. M Your latter, S~ u 4te idkmfng infomtatiem year name ant accent camber, the dollar amaatt of the ^epected error, a dmedplm of Nor ever and an et~laradm, H passible, of whyy ynu believe there is an error, or if you need more inbrmatien, a deecriptim of rte item you ere raatre ahan. Vcu do rot have to PaY any amarn in gtration Wile we am investigedrtg h, but ya, are alts ehligeted to pay the parlor e1 year h'll that are not in queslm. lARale we inveatigeto yvx t(rastim, we carrot report you as delinq.ant or take any actrm to elect the amain yat gtanlm. f,t Sprrdal RJe For Credt Card Purdaaes It yw have a probem Wth the quality at property or services that Ym purchased with a cedt rand and you have tiled in good ieifh m correct the problem vlth the merohant, you may have the right rot tp pay the remeiring amount due m the prapeny a aenleea. Yau have this praectim aiy Wan tla purrJase plea was mom rtan 950.00 and the purchase was made in your home state a Wthin 100 miles of your maiirrp address. (It we own or eperafe the merrhem, er if we milled you the advertisemem for Nor propa~ry or aervicea, ell pumhasta are cevered regardeas of amaum or kratim of ptachase.) Please remember to sign as cerreaparderce. t Gees rot apply to consorter inn-creel!! card acmunis t Gees ref apply !o mom; ca ftaT-Credit raN acmruus Capital One atpporta Intamatim privacy prolectim: sae w vaebaite at www.ccaagqtalone.cam. Capital One is a taderdly tared aervfce mark of Capful Ora Fxartcial Corporation. All rr¢rta reserved. 0 2003 Cordial One 01 LGIBAK tor. Oraes Parted. Yau will lave a mkimun grace paled of 25 deya wi[ftert harm large m rew punYases, rew bslece tremfere, row aperisl purtrietes and raw other dtergm if you PeV Your teal "New Balantce", in aceordarrce vukh the Mponerit Notice for payrrterta below, end in tNte for h m ba needled W your rata atetenwx cloang date. There is ro grace paled m cash advances end >4~d treafan. M addtim, there is ro gmce parfad an any treraaction if you do rot pay tla total "New balance.' h. Aeevirg Fkrerss Ovys. Trareactiara Wirh are nor auhfect to a gmce period are eaeeaaed Rance large 1) frerrr the date of the trerrmcdm a 21 from the date the treraaetion is processed to yar Arran a 3) front the first raladar day of da raarert hiNinQ pedod Ad3tiatdly, if Vou del rot DaY the "New Balance from the previata Mktg pedod in 511. flrtetce ltergse certktte to accrue to your unperd halartce tali! the Ittpeid bdarra Ia paid in full. This meara tMt you mey sti owe finerra largm, even if Vat PeV tta rsrtire New Bdence irrdceted m the front of your sutementt by tfie rreM slMemem dosing dam, hta del not rb sD for the prevktte morals. Unpaid firartce dargea am added to the applnr~hle sagmrmt a you Accaatt. tc. Nfitirsan Palates CJrays. For each tieing pedal that your aClxltaY is athject m a finance large, a minknum told HNANCE CHARGE ofrg90.50 wi baeppkYnrp~ooeemd. Ifytatuar pedode eret (s) tats lee tMn 80.50, we wIM abtratx that errant from the 9D.50 mkrrrxm end the dffererra wifi be hied to the ptudase of~~yyoarrw aceant. t d. Tsrrptrsry Raalratiur in~ Ors-ya. We reserve the dght ro rnt assess any a ant tirartce Barges for arty given trlWg paled. 2. Av,rsps Oairl Bsleros fktakalr+O New f+vdraasl. a. France large M ulatated y muttiplyY+g tfa daily balance of salt aegrrtax o/ your arrarnt (e.g., rari bay~drece~daily Parole re[e(a) tl~iatahas~baenBC) previordy darJosad to you. At dre end of earn day dukrg the hierg perled, we apply dre deay periodic rate for each sagrnert oTT yaw octant m the deay bderra of each saAnerx. Then a< the end of dre hiaeg period, we add ry the rmtlu of tlaea daily ralalatiaa to arrive at your pedodc faartce large for each aegeraa. We add up the realM from eedr aegneM m arrive at the tad pedodc firoraa change fa your eemnt. ro get the dairy baance for salt segmra of your aceaaa, we take the bagirwrrg belarrce fa mlt aegrrtera end add arrtyry raw trerrsaetioca ell arty pedodc finance large ralalatttd m the previae day's balance for that sagrnert. We then atxracx any payrranas a credo pasted as of that day that am alloceted to that segment. Thin glues us the separate defy bdece fa each sagnax of your accaax. However, if you the New Balenoa shown m you peeda® statement kr I for if yew raw balance was zero a e crelt amaax), new trertaectiar vvftilr poet to ynr purlase er apedd c~elal eat thaga daY beletce by addng a ily e balances togxfar and dvldrrg tta am by the nether of the days in the atrrerx biirrp ryle. To raltalete yaw tad Rance !large, rnfdply ytxw average daily balance by the deny pedodc rete and by the ember of days kt tla hang pedod. Due to rptardrtg on a daily basis, there may ha e dlght valance between tits rakxtatim and the errroraa of firaraa tiarpe arxuaMy a®saed. h. I1 the code 2 or N appears m the free of 1Na sratemem rarer m 'Balance Rate Applied TO," We rraltiPiY the 22937M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five i51 business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Especially For Capital 4ne® Cardholders) 57900-01 /~ n KELPS END PAINFUL PRESSURE ON Genuine Leather ~ TAILBONE, BACK ~ nllsllsl if you drive for hours or are forced to sit in an LUMBAR ~ y, office or home eclair for long periods of time, treat ~~ .your back to the wondrous comfort of our SUPPORT ~ ~ %/~ ~ luxurious LUMBAR SUPPORT CUSHION. ,_ -~,. , % Designed to fit almost airy auto seat, office chair or C U S H 1 O N ~ ~ / / ~ ~' ~ Yotu' home, you'll feel the amazing _ i ~~ ~ (difference the first time you sit with it suPPo~B ~~ your muscles and back! The bulk-ia luolbar SIT IN COMFORT = ~ ~ + support helps relieve pressure on your lower back. FOR AUTO, OFFlCE _ .. / ~ And the padded side wings add eldra comfort- CHAIR OR EASY CHAIR! * 1, _ (m - ~~'whce y~'re siring for a long time. _ _ ~ Now otnr Helps Relieve Pressure to Soothe .~---- ~ g ~ Sore Shoulders & Aching Back Muscles ... Gives You Extra Support! 19 Capital Q~s VISA GOLD ACCOUNT 4388-6418-271Cr8845 Acmunt Sum Previous Balance #715.36 Payments, Credits and Adjustments x40.00 Transactions #12.15 Finance Charges 55.55 New Balance #70639 Minimum Amount Due 521.00 Payment Due Date October 27, 2003 Total Credit Line 5700 Total Available Credit 3.00 Credit Line for Cash 5700 Available Credit for Cash 5.00 At your service To caB Custema Relations or to report s lost er stolen card: 1-800-903-363? Fer free online uex~wrt service and spedal alstemer offers, log on to: www.capitalone.rnm Send payments to: Send inquiries to: Atlas: Remittance Proerssing Capital One Services Capital One Services P.O. Bex 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 24285-50]5 AUG 25 -SEP 27, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 27 SEP PAYMENT RECEIVED -THANK YOU #30.00- Transactions 27 SEP CAPITAL ONE MONTHLY MEMBER FEE 56.00 27 SEP PAYMENT PROTECTION 1-888-527-6904 6.15 Families EARNING INCOMES UP TO #36,000 per year a mole maybe d'Igible far low-cyst or free health care overage FOR THEIR UNINSURED CHILDREN. If you ~ ~meone yon know has a child without health insu~anee, call toll free 1-877-KTDS-NOW for information alxwt tlu low-cost or free health care overage programs in your state. Important Account Information Did You Knnw? Capital One offers mote than just credit rand products. With more than 45 million accoums, Capital One provides valuable finandal solutions -including auto loans, personal loans, CDs, money market accounts and more - to one out of every three homes in the U.S. t information r :mportan c fo Finance Chatges Plcarc to rcuenctid g ,.~ ,~~ RQrmlKrl7if f1T1adY r.OfI ~J ~, g 17 ~~ a AY gpplird to rrafee R \ N PURCHASES 1718.87 .0398FA6P ]4.5596 18.88 CASH >1.00 .0398696P 14.55% i.00 ANNUAL PERCENTAGE RATE applied this period 1455% • PLEASE RETURN PORTION BELOW WITH PAYMENT. Ca~1l~/Q~a 0000000 0 4388641827168845 27 0706390030000021001 A'iarr pant maltixg ad~rsr and/or f-mairermRgrs bfrea rerireg bhrr ar branF iftE New Balance #706.39 Minimum Amatnt Due 521.00 Saeet Apt Y Payment Due Date October 27, 2003 aty s~ zm Total enclosed # [ Iome Phone Altemsz PMne AoraultNumher 4388-6415-2716-8845 ~ Emoit Addnas #9027125817229110# MAIL ID NiIMBER ~ Capital One Bank _ N DEBORAH L GRAHAM 902 ALLENVIEW DR P.O. Box 85147 llluulllllinlll„11 d. Richmond, VA 23276 ~^ ~ MECHANICSBURG PA 17055-8604 M 1111111111111111!1111111111111111111111111!1111111111111111111 N ~ 11111111111111111111111111111111111111111111111111111111111111 Pleare ruriteyour amount number anyaur clxc,E ar money order madepayoble to l~fital One Ban,E and mail in the enclaredemuropt Especially For Capital One Cardholders Money-Back Guarantee If You Are Not Completely Satisfied YES! Please send me the LUMBAR SUPPORT CUSHION.1 agree to pay the price ALL OICDF,RS WILL BE SHIPPED TO THE SAME ADDRESS irltiicated below plus 55.99 shipping and handling for each cushion ordered. 100% Your name and address must be filled in below for your order ut be processed. Satisfaction Otlarattttxd. if I am not totally delighted, l may return my purchase fora Name prompt refund of the purchase price leas shipping & handling. PJSto-wv iP'"" Peen _Latnbar Support Cushion ..........only $19.95' P751 -SAVE SS.W! Buy two for .......only $34.90' 'Shippdsg and hrrHmg nil ircltrded Apprapiue der to will k added fa tiY 6 ra scadtots. Account Number F Ezp. Date / ~I Cardholder Signature (Vela Only t15M Pell Staware) [ aolhaizn Capita Ore to forward this awpon m sy bdrdf ro the awtpany tlret Povidea this paled. Pkue all,iw 4-a weds for de5vay.OHugaxl wldk supplier lea. Fx }1Ner 9eniee Mao 1b: Grnr&ryt1SA.°' P.O. eaa 97AJ, Central Id)p, NY 1171L9fl85 02nD3 Cxeer&yl1SA-, P.0 Boa 9243, Central Lsllp, M/ 71722-9886 t~ 11~ ~_ t~ ttttsltft~ Z 8 O j N N Address City State Zip Home Phone ! 1 (aro tom) E-Mail Address (finest Yna 5-mail elhm n atthx mare dim .d ewnk ) Gr~ettyUSAeY is adely reepd>sibb to trac ofler, end's rot tlskated ynfh Qa. cowl one does not Provide, endorse a gwraribe and A rid Nabted wtn any product a eervica tltowal here. Arty tracbrtiwka mentioned taaoin era solely owned by flte lespectiue~r. AU rlglt0e neavad. Bf respondrg b tlt's oRer, you may ~ oanmtstiaatrtg kllomtetpn about b the oontpaty that provides Ihk P~~-~ , fltel you are a Capital One ouabrrler. 02003 CeOikU Ore Srirvieee, Inc. Capita one a a federally regiaerad ttarvia merle. AN lights reeened. Delar~t and Khan in your Capilel Ore tsedt card payment envekpe 1'a. Oraaa Parted. Yau will have a mirimun grace period of 26 days without flraericedterge an natty purrheaes, new balance trarofers, rew spedal pudsseas and new other charges if you PaY Yttw teal 'New Balarra', in axadarrs with the Important Notice Tor peyntats bebw, ant in time for k to he emdted by yar rota rtattmerx doakrg doe. There b ro grace pedoA ro cash advarw>ea aril apedd traralers. h addition, there is ro grace penal on any tmresetkn If you do rot pay the teal 'Now belatpe.' b. Aaenig Fstanos Clt>tpa. Traraatiima which are not fr doe of they t~rarweationafmm the date~jhel l traaectian is processed to your Axaat a 31 from the first ralerdar day of the nwrant W~inp period Adtitiondly, if you rid rot pay the 'New Bderira frmt the Ptevlas billing period b fW, flrterice dterges certenc.ro accrue ro your upeid belatce atilt the utpeid balance is paid in fill. This mean that ptu mayy slr'M tense hterice dterges, even if you pay the atiro New Belarice ktdcatatd m the front of your rtrtaHalt try the nets rtrtalleft dodng date, fiat rid rot do so for the preNOta mtirdt. llrtpeid flnartce dserges ere artled to the appY~Me sagrrtert of yas Arassit. t c. Nitktam Fin~s:a dt>•Ya. For each billing padad that your exam b atblect ro a tktxtce large, a mrwtam tad RIIANCE CHAFitiE of 80.50 in4fl Ire knptteed. If the totd flrtartee therge rerhkp from the of your periods rrteW is boa tttat 30 50, we ~ atrbtrect that amara from the 50.50 mirtirixm ant the dfbmrica wfe lte bled to the pracitaea aagnatt of your axast. f d. Tartytrsry RadtelWt Yt FYrtsa Ot>.ya. We reserve fhe dgtit to not assess any nr dl anerre tdterges Tor taty given billing ppssd__od. 2. Avartga Ddy itaYrrroa fYto~t3tp Nnv wrdrsssl- a. Flnartce charge is cMaiated by mt[tlplyfrig rite daily halartce of Beds sstTtert of your eccetat (e.g., rash adverice, pun3asa, apa3d terrier, aril apedal ptxdaea) bV the sdaq daey periods mte(e1 tftrt Its been prevkturydadaaafro you. At the aril of sorb ley dufrg tfr bfllky period, wa apply der daily periods rate far each aegrtent of your exact m the day balace of eadt seOtten. Then et tht end of the hillrig Pew, we add tp the rents of tfrse defy celalations to arrive a yar r~eathe iron aadt~isAnent ~ ~ ~ Ladd tp the firartce rirrge for yaw araxst. To ga the daily balsrtce Tor sods aeArrnt of your aoratt, we take the bagirrrirtg belarice for gads aepnat aril add serttyy rew trarractiarr aril sty periodic tirwice drrge ralaleted m the preNan days balance fa riot sevrrant. We then s~raa cry peymertn a credo poetad os of that day that ere agoceted to fiat aegttent. Thb dues to the separate daily balance fa each aegmatt of year amnat. Flowevar, if you rata the New Balarre sFlowrs an ynr prenias tteterrtax in fill for if your row babrtce was zero a e credt smart), new trarrectforr wlikh Poet ro you Pttrtdseee or spatial pttrdrse aegrrtata em rot added ro the deiY balara:es. We celnlete the average daily bdsira by eddnp aft the daily bslatras together and dvKrg the son by the ember of ttr days in the awrert hrlNrig cyrJe. To edctiete yttu tmal flnrice t3rrge, mtldply War average deYy balara W the dailype dock rate aril by tfr nmttsr of days in the bilarig period. Due to rotatdrg to a dally beats, there may be e salt vadarra bettareert dsa ralaiation aril the atrtart of flrertce derrge aeaaay aaaaesarl. b. U the code Z or N appeao m the has o1 this statematt roc ro 'Balance Rate Applied To,' use mtitiply the ppeeriods rate. To obtain the average daily balance for the tillkig period covered by fhb statement, we take the begimng belarice of eadt aegnem eadt day, add any rew farunedros fo eadt eegmtm, aril atbtract any paymaas or eredts. pt the ends N appears m the 7tam of this rtatemert next to "Balance Rafe Applied Te,' we else alnract any utpaid finance disrge intlttded in the balance of each aepnem.) Tlia gives us tits daily balance of each aegmern. Tften we add up all the deny halancea tar e~ segmem for the hilarg ppeeriod and dvide by the taal raariher of days in the hilflng period. This gives ue the aaerage daily balance of each signtem. 3. Amual Prorlapa Ratan CAPRI. e. The feint 'Arrsal Percerttege Rate' may appear as 'APR' en the tram of this rtetement. b. If the code P 1Prkne), L f3-mo. L1BOW, C (CeMtirate of tN~aiemant ne~lta the pedodc~ eq~the periods rates and mmesPardrig ANNUAL PC-RCENTAGE RATES may very quertedy aril may increase err decrease based on the stated indoea, ea toad in The WaU Street Joramal, plus the margin ppres4ataly diatloeed to you. These ribrtpea wiN be effective an the flrat day e1 your billing period covered by your periods rtatemem atdrig in the mends January, April, Jtlyy aril October. c. If the rode D (Primal, F (tine. LIBOftI a O (3irto. LIBOR Repriced MonrNy) appr~u on the trartt of your sta»emad next to the periods retela), the padade rafts and cerreepatdrrtl ANNUAL PERCEMAOE RATES may vary manlMy atntddmay increase err decrease based an the stated Irdees, as Land in TAe Want Street Journal, plus the margin prevletdy dadesed to you. These dtarigea will be effective on the flat day of your tilarig period earn mash. 4. Aassanrrett al Late, lMimit aril Rahnrad Paytrast Fans. Yaw ercetnt wi he asttttaaed ro more ttrat two of the fees lined here flat ems durtfg any hiMirg period. lJridar the temp of yaw artomer agreartat, we reserve the dgM to waive a rot to assess ttrW fees wididt[ oda rtatiliratim to w4dtott welvirq our right to as®es the acne a similar at a letar time. 5. Yes Aaaaat. If a membership foe appears txt the frarrt of this atetemert, you have 30 days flan the date tits staternerrt was meted to you to avid payktg rite fee a ro Fteve attdt (ee credted to you if ya, rarirrJ ytar eccetax. DttM+g tftis period, you may cerrlktue ro use your arretnt vltMtt hevfnp ro pay the nterrteershiP fee. To tartest your aorast, you rixts rtodfy to by raging our Ctrtaner Relation flapamrtert aril pay New Bristles in its (etrtittdrig rite mernheu~p ftte) Prbr to lire ad of the tHrty-deY pedod• 8. H You Chas Vrtur Asmat. You ran regltert ro dose yyoauurr amour by raNkig our drtomar Reletiar Depertrnerx. Vou neat destroy your cradt cerdlsl aril axaat amass docks, rartpel ell presdodzed biNkig, aril cease ~rsrtg your ttmwrt. If you do rot rarxal Pmaufndzed h7ang artartBemerts, we wN mnelder receipt of a charge yaw atlfndzation to reopen yew exam. Addtiersefly, Your somas will oaf be doeM tntll Yet PaV aN smarts Wu owe u iridttdrg: cry tranectiale you have etthodzed, tktertce dupes, past due fees, ovargrNt fees, ttrasnad payment Teas, rash advance fees aril any otlrr fees assessed ro your axast. Vrtu are mapatsihle Tor tfteae amass wtrdter they appear on your erector rt the tktte you re4tert to dose the acraat a they are ktnxrad stliseQast ro your re4ort to dose the aantrt. This rosy real[ in Barges appearing an your arrays after you have your exam if h has already bear dosed. For et®nrple, if you attfterized a purehsse from a mardtant aril VYB receive the trerrectlen from the merdtent after your axaat fns been dosed, yaw secant wY he reapartad, the amotrt of the dserge wiN be added ro your aorant, andyou will be reapatable for peytrtent. If there is a matibemhip fee for your atr~tnt, rite foe eAN contlnte to be therr~padd, ro the axtert pemrltted by law, rata the axon balsrace has been pad kt ha as deflrod above. 7. llaiq Vw Aceast.Vou card or acoartt eamet he used h mrrtectim vs4ttt arty intema gsmblirig trerteeaiarr. B. hltraos Ahnat ElaaYertio tlsaek Cawaraiar~ When you proNde a dteck as peymat, you araftedze us eidter to use inhirtnatiara front your dtaclt ro make a one-time electralc had transfer from yaw hank accotat a to process the PaYrrott ea a deck tmrtsarXlon. When we use infamatitn from your dtadt to make an electroNc Tud trapafar, krtds may be wididrewn from your barNt arratn ~ soon as the same day we rtxcive ynr payment, avid you will rot receive yotw dteck back from ytsw WtarJal kirtitttdors. BILLING RIGRTS SUMMARY (In Ceae Ot Errors Or Ortestiorta A6art Yaur Bill) If you think your hill is wratg, or if you need more inbmadm m a turteacdm a tie, vudte to tam a aeperme shear as soon ea pomde at the address tar in¢idea shover on the frarn of tFtia rtat0111art. We mart hear tram you ro later than 90 days after we astir you the first hill m tahirh fire error or problem appeared. Yeu cen ceN our Ctataner Relations raatther, but ddrg so will not preaerire Your rfgMs. ht your otter, give n the tdlotafrig mfennaflm yea name and amaad ntanber, the ddlar amasrt of the satpeeted error, a descdpton of ttre error aril an etOlanetien, if poss)Ne, et ~ yet believe them is an error, or if you need more inbmtafrm, a drtaedptien et the ban you are uattxe shout. Vou do not have to pay any amour in question wfyle we are Irneetigetirq h, Ixa ya, are rtal ahYgetad to pay the parts aT your h'll that are not in grteatim. While we inveatigete year Qteadon, we ranttot report you as delingtnsx or take any action to eeaeet the amotat you gtteatim. #,t Special Rule Far Credit Card Purchases If yep have a patiem with the quality at properly or senittea riot you purdased with a credt rand aril yap fave tried n good faith m correct rite pratiem vJth the mercham, you may lave the right rim to pay the remairting amour due an the property a senieea. Vau have 1tis prolectim sly when the purdase price was more than 850.00 end the ptwchase was made fn yaw home state a within 100 mesa of your mailing addrertt. 111 vas avert or operate the menStam, a it we malted you the advertiaatteM for the properly or sarvloea, ant purchases are covered regerdesa of emous or locadm o7 purchse.) Reese remember to slgt all cerrespatdatoe. t does rat eppl y fo aonsurr+er roe-rJad`! card accounts # does rot appy fe busiaest 17a1t-C/adX rand accatutts Capital One supports inlrxmavan Privacy protactian: see ou webate et tvww. talarr.cam. Capital One is a rdly raggterect service mark of Caprol One Fnrxial Capoutian. All dgMa reserved. 0 2003 Capital One 01 LGI.BAK 23542M Important Notice: Your payment will be cradked to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please slow at hyeat five i5) business days for postal delivery. Payments received by us at any other location or in another form may not be cred'Red the same day we receive them. Our business days are Nbnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. The Deal You've Been Waiting For ... G > FREE'` Wireless Camera Phone ~~~?~ > BONUS Free Bluefooth® Headset ($60 I~~~e~H L GRAHAM > FREE Shipping & Handling .~;; x cing~la~r~~r~i~ WIREFLY ICSBURG PA 17066-8604 -~ ~ ACT NOW Limited Time Offer for capital one• ~ Cardholders 003 Capita/Qy~° VISA GOLD ACCOUNT 4388-6418-2716-8845 Account S Previous Balance 1706.39 Payments, Credits and AdjtMments 150.00 Transactions 111.90 Finance charges 1s.27 New Balance 1676.56 Minimum Amount Due 120.00 Payment Due Date November 26, 2003 Total Credit Line 1700 Total Available Credit 123.44 Credit Line for Cash 1700 Available Credit for Cash 123.44 Atyourservice To call Customer Relations or to report a lost or stolen card: 1-800-903-3637 For free online acmunt service and special ausomer offers, log on te: www.cnpimlone.mm Send payments to: Send in9uirirs to: Attn: Remittance. Processing Capital One Services Capital One Service P.O. Box 85147 P.O. Box 85015 Rid~mond, VA zi276 Richmond, VA Yl?85-5015 SEP 28 - OCT 27, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 24 OC'f PAYMENT RECEIVED -THANK YOU 150.00- Trangacrions 2 27 OCT CAPITAL ONE MONTHLY MEMBER FEE 16.00 3 27 OCT PAYMENT PROTECTION 1-888-527-6904 5.90 Credit Card Payment due tomorrow and it's not in the mail? RELA}C Call 1-800-844-1590. Pay your bill over the phone with Capital Pay. it's fast and easy and can SAVE TIME & Money! If your request is processed before 6:00 p.m. ET, your payment will post to your account the same business day, and your account will be credited by 8:00 a.m. ET the following business day. The 110 processing fee is billed to your account. (That's usually cheaper than overnight mail?) Families in PA EARNING INCOMES UP TO 143,240 per year maybe eligible for low-castor free health rare coverage FOR THEIR UNINSURED CHILDREN. if you or someone }rou know has a child without health insurance, call toll free 1-877-KIDS-NOW for informafion about the low-cost or free health care coverage programs in PA. Important Account Information Cast your vote on capihalonebowl.mm to help select the National Marmot of the Year from the 12 finalists, and be sure to tune into ABC college football, ESPN, and ESPN2 to see this year's mascot commercials This year's winner will be announced during the Capita] One Bow], which airs on ABC at 1:OOp.m. ET on January 1st. I`inance Charges rimpnrntrmt inforrsretiors PJeareJUerecrrretid o e f 5~ Balaerrrrak d p ~ t ~ Pmadrr CaeAP g ~~ R .~plir te cafe PURCHASES 1703.94 CASH 3.00 .0391896P 14.30% 38.27 .0391896 P 14.30% 3.00 ANNUAL PERCEN'T'AGE RATE applied this period 14.3096 • PLEASE RETURN PORTION BELOW WITH PAYMENT. ~~~~~~~ 0000000 0 4388641827168845 27 0676560050000020001 New Balance 1676.56 Minimum Amount Due 120.00 Payment Diu Date November 26, 2003 Total enclosed S Amount Number. 4388-641&2716-8845 Wiarc prier mailing addrns and/or e-mail dxeregrs bdave acing blur nr blm,E ink Street Apt r sty s~ zm Home Phone Altettux Phone &mil Adareer ~ #9030125817229115# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Box 85147 ~~~ ~~ ~~ ~~ ~ °~ ~ 902 ALLENVIEW DR trrrr eei t ttt ~ MECHANICSBURG PA 17055-8604 Richmond, VA 23276 ~ i~ ~n~t~n~~nt~t~~m~e~~u~~ur~~nt~~ut~~nr~~u~~~ur~~ut~ ° ~ ~ut~~~ur~~~un~t~u~t~e~n~n~~u~~uu~n~~~nne~e~u~t~~ Pisses v~mte yrner acmunl number are yoev check m money ordn made payable to Capita! One Bank and mail in tlx enclarrd erruelope r FREE*RAZR V3 wrrrten anal-ysarasn~ics apeemsrt Motorola RAZR V3 phone includes: >Digkal Zoom Camera > Bluetooth Capability >Buik-in Speakerphone >Ultra-Thin Compact Design Cingular Wireless Plans include: >Unlimited Mobile to Mobile >FREE Nationwide Long Distance >No Roaming Charges > Rollover Unused Anytime Minutes (A feature specific only to Cingular Wireless!) ttt~tt~ teeette~ tt~ i tttttttttf>. r ee~ tttttttt~ i= r g O N N Order Today! Cal 11-800-973-Ob91 Or Visit www.wirefly.com/capitalone e .~~~. •-- X cinguil g~,ebar«rl' V11!IREF Y • Ptnrfe tree altar mail-in rebate. ihie oiler is flllfeled by trlPltanic ice, an atldforired dealer for Citfgumr Wirer. Oiler subject b CrBdlt appmyal a fbpoeit,ofd la available b tatsbrrfets acENallrlg a new free of aervics on a two year cafbad vveh txrfpdar Wrelesa. t~f afi uS maAceb are nerved by [aifgttlarYfkdeea, d you sa roc h a ariprarYYirolesa area you vrgl receive afaesr greet oRef tram arotlwr tttaja wireless corrpiN. Other reetictlons see h! filer br tbtais. Offer G1rfpWerreleeaWf ~~IL~C fiefeiip T~lie ~~i~iiwri ere~servim merl® of T~ WierC• Qnguiar Wirele~ and the lxrlglear yYrekae lopif are tradematka a re¢eteted 4ademarks M (Arfgiller LLC. ® 2005 Cltlgtriar Nfxelere, LLC. AA ~ reserved. Irlf'honiC, Cingular` and YyireOy' are reeporfeible fpr this oiler. and are not affiliated wisl Capital are. Capital One does not provide, erldase or guanultee, end is not atfdieffid with, any product or service tlhowvl flare. My hatlenferlca ftfBllipned herein are sdeq ovafed by rife respective entity. AN ridlls reserved. RY raepondllg tD this offer, you may be canmufita0tlg itffomlatbn about ylftRlelf to f11e company that provides this product -for eiample, that you are a Capdai l)rb customer. as 20~ Ctfpilel One SrxviCa, Inc. Capital One ~ a t8fftff8lly registtfted service mark. NI rights reserved. ppeenadre rate. To e6laln ilia average deny balance br ilia hfaing period covered by trio atatemem, wa take the beOmng 6alartce of each segment eadt daV. add arty new trowatriow to each aegneM, and sbtract any payments or cre6/s. IN the code N appears m the hart of t19a atatemem next to 'Balance Rate Applied Te; rare aloe subtract any ertpald finance rfrrge irrLrdW in ilia balance of eaM aetlmatt.) TMs gives tr the daily balance of eatit segnem. Then we add up as the dailyy balances ier each segmerm br the 6ilgng period and dvlde by rite tmal rarnhar of days n the Nekrg period. TFtia given tr the aver daily balance of eat3t aegmem. 3. Amrrl Proarrfga 14tr fAPRI. a. The mrm 'Aarrl Percenuge Rate' may appear es 'APR' on the from of Ais aMttmrm. b. If rite coda P (Prknel, L (3-mo. IJBOM, C (Certifrate of )etntrn (~~the peritdic~ (e sj nthe pe Hof rates and uxreapendng ANNUAL PER(~NTAGE RATES may vary quarterly and may increase or decrease based m the stated irtdoes, sa Iartd in The Wad Slreef Jorrael, plus the margM pprorfarly drrJosed m yea. These firengaa cafe he afbctive txt Ate AM day of you billing period covered by your pedadc riatemern erring in the maxttha January, April, JJyy__ard October. c. If the rode D tPrkw), F i1 •trto. LJ60~ a 6 (3ireo. LIBOR Repriced ManWV) appearo m the 7mrtt of yarn ataftmtxrt next to the periodic rme(s)~ the pedede rates and mrrespmdrtp ANhaIAL PERCENTAGE RATES may very mrtntNy and may increase or decease based an the stated irtdces, as tared b The Way Street Jourrr/, pitta the margin PrevitxdV dadmed to ya,. These flanges wte 6e effective m the trot day of year Mlling period each marsh. 4. Anasnwrrt M Leta. Otrrerree aeM Radnrsd Payrrtrtt Faraa. Yar agars tMe 6e etreesed ro more tften tvw of the tees listed here that atnx tftatq arty NNYq period tinder the [arms of yax aetaner agtaerrtas, we reserve the rlgM ro waive a rot m incase erry teas ufritotx Prior rotlfiratian to vathax waiting ou rf~x m atrsesa the same a smiler at a Ismr time. 5. Yrttr Aomut. If a memberattip foe appears m the irorX of Atis retenterx, you have 30 days trarrt the data Chia #Menterx was mailed to yet to Avtrld payk,g the fee err ro have etch fee aedted to Vat if you rartoel Veu aoratrrt. During stria period, you may centlsr m use you ecoars taftltat hatMg ro P•Y the rwArreerr~ersf~ rarreel yrxx smart, you rtttret cur llrtttmer Rdetiorr Oepartrnaxrt and pay your 'Wow Belerce' in fill Irnrdtrdrtg the 6. s YtxtOb.. Y~otr~Aooast~. a ~iaa~ieat~m daae~~ ~ypetturr atzurx 6y raekrg our l]rtortrer Relatiaxts Oepertmrt. Vou rtsrt destroy yar nadt cerdls) and aaxntrtt etxesa Clacks, rwmral ere prraetrtltodzed baWrg, and case ~t~rp ytxu eccotrtt. If you ab rot tercel preershodved hMkg ertertparnasa, wa wi conaldar receipt of a dirge You atxtcrizetlon m reopen Your arrant. AddAmeeY, Vac amarh wfe rra he rJoaed uxa yal pay err enrotnts You ewe ue tcYrertg: any trorractions you have atxherized, Arrrtce charges, past dta Tees, everiintit fees. retorted PaVmerx fees. rash advrtce fees and arty other fees seeaaaed to ytsr aaxetm. Vaxr are roaporteibb for ttteae amoerxa MftaAtar May appear m ytxx scmtnt st the time yen ret8rest to dose tiro acoarx or May em irtarred arbeequars m yaxx re¢rr to tloae the eooarx. ills may meat n dareea apparYtg m Your aaYxltrt[ after Y~ lave if~yott tritetlTerf ptxHase from a me~rdant ewe s, recdve the trrractlm from the merclrnt skier your aoonrtt has been rJOSed, Your srrarx wi ba raoprted, rite amain[ of the cfrrge~wW be added m Vifur eomrm, and yyoouu wYl be rsaPortsaxe fd PeV~- If there M e mrrtharsltip foe fa VoW ercntsx, the lea win carrdrur to be dtermd, to the mderc pemNtted by law, troll tle amarx 6s~anca hen been Paid in AM sa delkted atxrve. 7. Yotr Aomal.Var cerd a accetrtt cemot be [radio cersterbert whit any kxemet gemblirg treneacdvr. 8. eiAlss Abaa EYaYmie Cltsok Oarrvrsint. When yrw provltfe a clack as peymau, you atxhalze tr either m irate infametfan ftonv War check m make acne-time elatctroric rind trowfar from you hank aa'mrrx or to process fire peWtrx ere a rleaek trrtaeaien When we ire ktfamatlon from your rriaek m make an AIBCtra11C find trerafer, firtea may be tvriAtdreNat from veu bank amarx as anon es tree rime day we racefva Wu y~ottrfxarrJsl receive yax clack beck from BILLING RIGHTS SUMMARY Iln Case Ot Errero Or Oueatierre Aban your Bill) It you think your hie is wrutg, or if you need more inbrmerian m a trarsractim er bill, write to w art a separate tfteel es soon ea podtle et the edrfreea br irtgtidata dnvrt an the from of this rattmem. We cart beer tram you rc later than BO deya after vve art[ you the Arai hie m tettidt the error or protlem appeared. you ran ran cur Customer Relatiaw rwmher, but tldrq eo vfN fat preserve your rights. In your letter, glue w the 7d~tt9 miamadam your wine and aaxxxrx norther, the ddlar smarm of Are aerpeaied error, a deacriprion of the enor 9(d en araplanatim, it porihle, of whyy you believe Mere fa an error; or if you wed more inbrmatien, a deacri)micn of the item you are rrrtwe about. you tb rot have to PeY any amain kt gtratim wHle are am investigating h, Mx you are sWl atieeted to Pay the pane of you Fas that ere rot in gtreatim. lMvle wa inveatipeto yax gtrestim, we catnot report Wm ere delirtgitem er take any amen to cdeet the amtxrn you gtatstlan. f,t Special Fife Far Credt Card Purcfases It you have a prahlasrt taint the quelhy of prepeny or services that you purcfieaed will a credt card and you have tiled in good taint ro eerrert the problem vAAr the merehem, you may have the d¢rt not to pay rite remaining smarm due en the property a aervicea. Yvtu have Wa protection only wfren Are pxdrsee price wee mare Abn 950.00 and the ptrciase was made in year home ante a vdM)n 100 maea of Vox maiwtp atldresa. (If wa own or operate Ate m,artltam, a it we merged you the advarriaemem to the Prapeny or services, ere Wrcheaea are covered regardeas of mnorrrt or IecaAm df pudrsae.) Please raxmemher to aigt all mrretgertdertce. t Ooe-s rear aAPA' b ransomer rein-cradt card accents 3 Doan rot apply m bus6ress oar-rlarfir card aeeasris One tappata inEamaAen Privacy protection: see otx i al wvvvtr. Icrte.rxfrrt. One Is a rally re~tBred service mark of Capital nodal Corporaticn. All fights reserved. a 2003 Otte Ol LGLBAK f. Flsvtr To Avid A Ferrtea Orps• ta. firsos Pried. You will have a miNmtm grace period of 25 days witl,etx firtsrtce disrga m now Ixrrdreses, ww Mlertce trawfero, new spedsl purcheaes and new other rherigaa if you pay yotx raid 'Now Balance', in erxonlence with the knportaM Notice for payments below, and b time for h ro he credttd by year wrd statement dosing data. Taro is ne grece period ors cash adVarlOBa and special trawlers. kt addidm, there is ro grace penal m •nY trerractien if you tb rot {aY the toml 'Now baler®.' 6. Aoauity Faeroes Cltarya. Trarnectiow which are not stthject m a grece period are assessed Arrrce darip t) frrm the date of the trrrerlim a 2) from the date the trorrectien is prooeaead to your Aecant a 3) from Ate first caierdar deV of Ace alma hie'u~ Aafd[iorally, if You rid not pay the 'Now Bdanee the previar hiirtg period in tae. firtertrs dtetges rrrNkite m etxnr to yawr trpe)d talerce tnril the trtpeid balance is Psis in full. This mtaw that Wu may axi owe fktertce alterges, r>ven if V~ Pay the erdre Now adence indt:ated m rice frmt of your retenterc by the wxt rrrwxx rloekg date, tax did not ab so for the pr~~evuufe~~rwwrrr~~marwh. Unpaid awrrB dterges AfP. adlfBd [O rile ~ fBgltBflL Of Vox A.aotlx. 't'c. eiTitirrrtm Firatsa For each Hging period that your accntrx M at~etl m a Mtance darga, a mrimtm total HNANCE (]r-IgAaRrOeE~lotf~8f0.50 wW ha imposed. Itytalttax sec Brat (e) leis lass tlan 80 50, we~roct that arrtotrx trap the 80.50 nririam acrd the dfferorce wfe be hied to the ptxclaae of your aoootrx. t d. Trrparry fisAratfot it F ChrYti We reserve tfre right toppeenriot aseasa any a ae tinarce charges for arty given 2. Avsr~: Osiy (fYrtes IYtaksira lasttr grairsassl. a. Fnartce charge Is celalattid y mrhlplying the daily 6elaroe of eadr sagrrertt of your sareerx (e.g., cash advance, Pu~~• ~d transfer, end apeaal ptrdtasel by rite dkq deny periodc rate(s) that hse Wean previadVsaioeedro yaxr. At the end atf etrdt day during the billing paned, wa apply the daily prtriodc ram for each I sagrrrx o War ecmnt m the dallyy balertra of wU segmrx. Then at the end of the hileng period, we add w the reaths of these daily rald./etiena to emus at yrru pedoafic fiwnce dtsrge for each aegreax. We add tp the coaxers from eadt artgnrxx m arrive at the tool periede flnnnce rlarge Td Vac arretn. To get the [laity belsrtce for eetit aegnax of your aocant, we take the beginrt;np belartat ter each segnertt end add annyy ww trrrartiatre sal any rlodc finerx:e drrge ealtalsted on the preNrxr days ~ntr for that segment. We then etbtroa any paymerxs a credue posted as of that day Met am allocated m the[ sagrratt. This gives w the separate deny Ualarce for each segrrerc atf year aocarx. However. if you the New Balanar- gown axt your previar stetemrt[ kt I fa if your raw balance was zero a e credt amarx), new tnnsectiow tvltirh poet m yar ptrtlase or apadd c~alraiete the averogea defy belertrB ad3rtp hN~ .. ly e halettces together end buffing the nun by the norther of the days M the axxr'rx hieing cycle. To ralnaate your tool fiwrra charge, mt1dWV Vox average darly 6elartoe by tta dasy pedoaec rote std by the amber of days in the haling period. Dta to rardrg an a daily beefs, them may 6e a aeglx varfenra 6etwaett Asa ralasetfen ant the arrtotrtt of fiwnt>s tltarga aebrey easeseed. 6. If the coda 2 or N eppeaa an Me hom of tftis atatanerm next to 'Balance Rate Applied To; voe rastidV the 1 fi454M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed tc cur Washington processing center must be received on a business day by 3:00 p.m. PT. Please albw at least five i5) business days for postal delivery. Payments received by us at any other location or in another form may not 6e credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. eo le c~ online p p ~ u Abetter way to Internet. n Surf ~ to 5x fasfiert~- FI;fEP Accele ran»r~>;2st i -888-587-9659 Mention Offer Code: COIN Vsit www.peoplepc.com/go/coin aces VNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by symantecTM ~~~ Pop-Up BlockerT"" Spam Controls ® Smarter Smart Dialer Technology ®~ More Email Addresses ® ( Internet Call Waiting C"apjtalQ~e vlsA coLD AccOUNT 4388-6418-2716-8845 Account S Previous Balance (676_56 Payments, Credits and Adjustments 125.00 Transactions E85.95 Finance Charges 56.54 New Balance 1746.05 Mi[umum Amount Due 546.05 Payment Due Date December 27, 2003 Total Credit Line 5700 Total Available Credit 5.00 Credit Line for Cash 5700 Available Credit for Cash 5.00 At your service To raD Customer Relations or fo erPnrt a lost er stolen card: 1-800-903-3637 Fer free online xcourtt service and special autemer offers, log on to www.capitalone.mm Send payments to: Send ingairits to: Atm: Remittance Processing Capital One Services Capital One Services P.O. Box x5147 P.O. Bex 55015 Richmond, VA 27276 Richmond, VA 23?85-SOLS OCT 2g -Nov 27, zoos Page 1 of 1 Payments, Credits and Adjustments i 20 NOV PAYMENT RECEIVED -THANK YOU Sz5.0o- Transactions 2 08 NOV 0195 SHEETZ 00001458 MECHANICSBURG PA 118.50 .3 IS NOV PCG`LUMBAR CUSHION BLA 800-626-4901 NY 25.94 4 19 NOV OVERLIMIT FEE ~•~ 5 27 NOV CAPITAL ONE MONTHLY MEMRER FEE 6.00 ti 27 NOV PAYMENT PROTECTION 1-888-527-6904 6.51 Firta[rce Charges Pkattree reuart.ri& for imfatant iufarnatian Emlmeeermfr ~ Fb+~dr CaricpmdiAg _ afflirdty rare APR ~i PURCHASES 2703.05 .03917196P 14.3096 1654 CASH >ti00 .03915%P 14.3096 5.00 ANNUAL PERCENTAGE RATE applied this period 14.3096 • PLEASE RETURN PORTION BELOW WITH PAYMENT. ~ap~ta10i16` 0000000 0 4388641827168845 27 0746050025000046056 New BalartcE 5746.05 Minimum Amount Due 546.05 Payment Due Dare December 27, 2003 Tonal enclosed 5 Account Number. 43s8-641s-2n6-s945 P&an print mailiag rddirsr mtd/ar a-,xait d~Ars brtaw casing flue ar 6tar4 nr6 Street APt- ~ ary s~ zm Home Phone Altesmoe Phone e Fanad ndaress ~~ #9033125817229112# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Box 85147 ~s~u~n~~u~~ttns~~~ ,-~ ~ 902 ALLENVIEW DR Richmond, VA 23276 ~ ~ MECHANICSBURG PA 17055-8604 ~u~s~u~~nt~t~~tn~t~~u{~nt~~m~~n1~~m~~nl~~nt~~ut~ ° ~ ~us~~~m~~~un~s~n~s~s~u~n~~n~~nn~u~~~nns~s~u~s~~ Pleax unite yiosn artorent numbs on ymn cheoF or money order made pa,~rhle to Capital One Bang oral mail in the enclosed envelope. r ~~I~~~.wonline 902 Al.~w ~R A better way to Internet, MECHANICSBURG PA 17055.8ti04 l'MITED INTERNET ACCESS . 1-888-587-9669 ' ' ' Mention Offer Code: COIN Veit 1Arww.peoplepc.com/go/coin Ptx>plePCIS adely respontlible to this offer, and is not affiliated with CapNd One. Capital Ore does not provide, endoroe a guarantee, and ie not afikated wdh, any product a service ~1own here. Arty trariematks mentioned llereln are solely owned by the respective softly, qH righffi reserved, By resporxflng to this offer, yea may be communicating iMonnatlon about yourself to the congarry that provides Nos product -for exampb, that you are a CapHal One custarler. 'PeoplePC Online: Flrst 3 rnorrtlts era billed at 54.97 per month; ;9.95 per month thereatfer. Offer available to nav drat-up atbsaitxtre at least 18 years d age and may not be rrldeented with any other oNer Offer subject to change at any time. Phone technical support avaiabk fa 51.95 per minute. tACCebreter is free fa 12 months. Ofla good fa limbed time Aker the flint 12 months, the Atxxtlerated servfca wfll autrxnatically revert to the standard PeoplePC Onine service. Offer subject to change at anytime. With PeoplePC OriFte Accelerated, certain Web page text end graphite wit bed faster when cortpered to stsnderd die!-t~ hNernet amicre. Actual results may vary. F'eoplePC Online Accelerated is my compatible wllh PeoplePC Odine Imtarlet service and apedfed WintbwsA txowsere. PtxtplePC Online Accelerated is not txarpadde wiM Windotvs® 95 with IE 5.5 SP2. Service not available in ~ erase. Access fees, taxes, and other (e6a and reebidioro may apply Telephone tot l charges may apply, wen during trial pedoda. You are responsble for detemtinrtlg wtleMx a call to one of our aoceea nurrltlere wit result in tdeptgrre till chages. Access may b0limited, eapecialN during times of peek usage. Dial-up numbers may be dtenged ffi PeopbPC's discretion. Continuous use abjttct to timeout procetMlres. N use re subect to PeoPIePC Or4kle's Services Agreement and Acceptable Use Poky. SBK is the maldmurn speed of seMce; actual speed may vary. ®2005 PrxtplePC Inc. All Fights Reservetl. PeopePC Ordine end its logos are trademarks d PeoplePC in the U.S. and other eourddee. ® 2005 Capital One Services, hc. Capital One is a federally registtaed service mark. AH rights reserved. 8 O I ~ ~ ro ppeedtxl)e rate. To obtain the average daNy balance for tfa hNlkrg Period twvered bV Ais atatemmt, we take the begimng balance at each 9agnerd each day, add any new trartsacdtna to each aegnmt, and stmtratt any paymads or credl8. (lt the rode N eppeaa m the tram W this aatanrtm neat to 'Belerrce Rafe AppNed To,' we also attract any tapaid finance large irtdtded in the balance of salt aegnern.) This given ua the daily bNantx of salt segmmt. Thar we add t4 aN the dellVy belarttxra frw salt sepnmt for the Nllirtg period and dulls by tfre tmal ralnhar of day in the tilting pedal. This gives re the aver daily belartce of salt sepnem. 3. Anrd P~orttaps Rstss IAPRI. a. The term 'Arrstd Perearwege Rme' may appear re APR' m the trace of this atatemtnt. b. If the rode P lPrkral, L (3yrw. LItlOFg, C (Certificate of Deposit), a S 1Benkcard Prirrre) appears m the tram of tNa etatemem next m tfa pedtxfc stets), the petals rates and cameapadng ANNUAL PERCENTAGE RA7ES may vary t)ttertedy and may irteraese or decrease based m the stated indices, as toted kr The wall Sheer Jarnal, plus the margin pprreeviady dadoeed to you. These tirongea win he effectlve m the first day of your billing pedal covered by year periods natemrtm erring in the mtxtfha Jaaary, April, Jriy and October. c. If the rode D (Prkrta), F (t yrto. LIBOR) a O (3yrto. LIBOR Reprkxd MonWy) appeas m tfa lrortt of your stetemmt next to tFa twdodc stele), tfa periods refea and txastyarinp ANNUAL PHiCENTA6E RATES may vary mtxdey aM may iroreaae er decrease based m Ma stated ktdtae, ea fntrd in The Wet! Strsei .Aorrta/, pus the margin previordy dsdosed to you. These ltertgea will be effective m the Prat day of year bixktg pedal each mordt. 4. Aeesarrtrt d Late, OvrNrrrt std Raanfad Payrttrt Faas. Vtxw street trAN be asaeased ro mere Alm two of the tees Need here flat etoatr drukq arty Mktg period. l1Ma Aa lama of your euatemar agreernas, we reserve Aa fight ro waive a cwt ro assess arty fees wiHrott plot rwdflratfm to e4Aroru wdving our rldtt to assess the sane or simNar a[ a later time. 5. Yarr Aoears. If a menrheship tae appaera m the front of this rAatemertt, Vm eve 30 days from Ate date die ata[aners was marled to you to avid paying tta fee a to have ash }ee crettited to yar if you rart[xfl yxw atxnttrc. DtuM+O Atis period, yet may twrttira to tse year atxntart w4AtaY hsvkg to pay the membership tae. To cancel your acceran, you matt rtaity tyrsybaVrraNstg ttw Cirattxrter Relaticra Depermtmt ~manoetalrp ftte) prior t~ o~tlte ad of ttFa tls oy period. B. M Ytru f~as Ytrtr Aomss. Vtxr ran re¢teat ro dose yyoauwr aooasrt by raNirt9 our Qstmar Reladtra Depertmers. Vou coat dearey yaw stall cerd(a) and acmrrs acceae decks, rartod eN preasfwdttd h'Nktg, zuektN your etxnnt. If you do rot rartod receipt of a da rtartganteras, we v„i ooraider eaaaH. A~ your atfltodzstlon to stpen yar uttN You PHV aN amdrtG~ owe re f1e' ba lased tsrtaectiorts you lave atafwdzed, flnerto mY drat lase, ovaNrtit fees, rennted ~• Pea advance feet end erry altar fees a~ m yotxce~ atrnrs. Vtxt ere reapeneible for Ateae ttmotaws a4adter Any appear m yaw errant ttt tFa time you tepee to Bose Aa etxxttas a flay ere irtauned aheepan[ ro your ret+sst to dose rite a®trs. Tltis may rash h forges ePPm*7N m Yaw etxatrs afar you have yar etmtatt if k has already been closed. Tbr exarttple, if you alftodzad a prwdase from a rrterdant and we rardve the tsreacAm from the marritas after your aawtart hsa been tieeed, Yaw etxars rniNl ba reopened, the ayymouu~ant of the dterge wNl be added to y~orr aoeant, m'dedirlhe'al,ip tae ferre~yeur aoonnt~, the~fiaei wiN recordnta to be tie to the t»omt Pemitted bV law, trNN the eoraatt ~ has been pad kt fiN sa defired above. 7. lhiq Yar Aomal.Vaur card or attain rarrtm he toad h txartaalm with sty kuamet gambNrtg treraat7fora. B. eletios Ahnt Elsa6ortia Qtsok Oorrvaraim When you provide a lack as peymaa, you aahodze u eitltar to ttse infomfaAm tram your lterJt m make a txtatime ekctraic fund trertsfer from yar beNt arrant or to prmeas the payment as a ettaek trerasction When we use inmrmatfen from your titeck ro make an electrmic ford transfer, fords may he withdrawn from yetw berth arrant ae soon as the same day are receive year payrrfatt, and you will rot retaive yetw titeck beck from you MrarrJal iratittaien. BILLING RIGHT3 SUMMARY (ln Case 01 Errere Or Ottenkra About Your Bile It yw Wnk your dN la wrong, or if you reed more inlermatim m a traraectim or NN, write to tom a separate deer es soon as poedhle at the address for rn¢idea shows m tla tram of tNs atatemaA. We mutt hear Nom you re later than BO deys after we amt yet the first NH m w)ch the error or pmdem appeared. Var un call our C[tatemer RdaAore nether, btn ddrtg so vuiN not preserve Your rigts. h you letter, gyve td the fallowing inmtmeliem yetis name and secant alnher, 1Fa doNar amotrn of tla stepected error, a daecAptim of lla error and m ettplartetien, if poaide, of whyY you believe flare is an error; or it you reed mare inbrmatien, a descdptien of the hem You are tasue titan. Veu do cwt have to pay any amastt in pastier ehNe we as irtveatigeting k, htn you are ati ehNpa~ed to pay the parts of your 6'll that are not in gtatriim. lMile we inveadgela ywr pteaam, we tempt report you ae deNrtpam or take any scrim to caNeet the amtxnt you t#astim. t,t Spatial File For Credo Card Purdases If you have a probltsn with the t}ality of property or seMras flat you ptulreaed witlr a eredf card and you have Tried in good takh io rnrrect Ilre problem rn421r the merlant, you may have Are right rwn to pay the remdrtktg amaua due m the praperry a aenltxse. Vou Mve this protectlen txty wltm the ptm4rese pda wee mere ttan 850.00 erd the pttrrhese wee made in your home state or within 100 miles of year maNing address. 11f we owl or operate the merrhmt, or if we mailed you the adveniaeman for the property or aernices, aN pumheaea are covered regerdeas et amarn or kretim of pvchase.l Reese rentmtber to ig1 dl mrresperdatee. t Oaas rot epplY m consumer roe-rredfr raM arrawua S fors car apply m butsa.4s non-rledlf caM accounts Capital One styporta infarmatien privacy protectim: see our webers at www.~csappiItt~~Itxa.txxn. Capitd One is a tederelly rogst~red aenice mark of Capital ~ Rr~al Corporation. PJI ngMa reamed. ° OOIL~GLBAK 1'a. rises Pr<fod. Yeu wNl ha~~~miNmun grace )xded o1 25 ley vt4tfrote iktatra charge m clew purdases, new belertoe tranafas, rew aperJel pturlases and new otlar tiverges if V~ PsY Yaw total 'New Belsrtce', in stxwrdsrtce with the Nrportarr NoAce for peymmre below, and to time for k to he aed[ed try yaw recd aatenferc tioektg date. There is ro grace period m ceah adverttxa and apadel trerafers. ti eddetorr, there la ro gsce period m B^Y tsraattien if you do rte pay the total Naw balsrtce.' b. Aoarrq Fitstos tltays, Trartsectitns which are cwt a81a:t ro a grece period em eseeasad fwerre large t ) from the date of tfa traaeeden a 21 horn the data dw traraatticn is prooessad to yxw Atxwtnt a 3) from the Bret raterxlar ley of rite axrarN dNkt~ pa{pd Adtkiaally, if you rid rot PeV the 'Now Bdatce from the prevfats tiairtg perfect in ftl, finance triarges rrrdrate to accrue ro your ratpeid balance tntil the ratpald balance is paid in ft11. Tlis mean that yw may sb71 owe Brtartce Barges, even if you pay the entire New Balarwe krdceted m the from of your atetemertt bV Aa rew trtetmters lreit0 date, Ixt rid cwt do so for the previats mordt. Unpaid Martce Merges era added to the eppNt~ segment of your Aaatnt. t c. Mirtirtrtm Pktrtes Cltatgs~for salt hiNirg period that your aaxtus is a6jerx m a Mtatce large. a mkiam total RN4NCE CXrIgAeROE ofrg50.50 aM be imposed. kytah~x lade reterate(~) is leas then 90.50, we wi~ab~trac[~thet errtotuw from the 50.60 nirirasn and the dffereroe wiM he hied to the prulaae seQnatt of~~ We reserve the 't' d. Tarpn-ay RsAalhr ti FYanw d~tt m not etraese arty or eN Mertes Barges for mY given tiNktg period. 2. Awraya Daly Rslrtos Iktddnp Nttw Prraltaaaal. a. Rrarwe Marge is raltaiaxd 6y mthiplyktg the daily bslartra of salt aaprtert[ of your aocant (e.g., cash edvart®, Ptwdaae, epedel trere/ar, erd gtadal ptrdase) lty the romarQortdrg daily petiole rate(s) that hen Exert previawly dsriosad ro you. At the ad of ttadt day dxktg Ate biNinG period, wa ePdy the dtiY pectoris ate for salt segtterrt of V~ amaatt m tla deNy tafxlawe of exit segrtax. Than at the end of t)a hiNinN period, we aril tp tta reatlre of Atese daNy ralaietien to arrive at ydu per{ode Mwtce barge for each segnertt. We add tp tfa reaeta Tram eatit segners to arrive at the told pedtxlic Brertce barge for your errant. To gat the ddN belartce for salt seynatt of your aordtlY, we take the btgmktg belawe far eaM segrttar std add ary raw traaectims and pe dolt fintenee rite total previous dey's~falance for tfat sag terx~. We ttren abtsct any peyntenta a cred[s posted ae of that day Ant are dkrattd to that regrtat. TNs gvae us Aa seperare daily belertce for eatit aegrfaw of your spoon. Flewever, if you pad the New Balertce sitowrt m yorw previar Ma[errterH in fill (or if your clew bslartce was zero or a stall anaaw), raw tsrastxiarts wAtidt pare to yaw prwdtasa or apedd purdaae aaptteras es rot added m Aa tlaNy belertces. We cekxiare the average daNV belartce W addng eN Aa tinily ~lawes ~ogatlara ~dvidrg the stet by the rssnber of firertce eta ~'~ cY~. To calctlate yaw reel rge, Yaw average ddiY bslartra by the deNy dock ate and the raanher of days kt the hitting pe~tka ro randrg m a dilly beefs, tftera say he e sliplr[ vantatce between this cekaie[iorl and the ttmant of firertce etxtaNy assessed. b. If the Dade or N appeaa m the from o1 Ave naternmt re>Q to 'Belatre Rata AppNed To,' we rraetiply tfa 9617M Irrpsrtatt alaUoa: Yale paymem wiN be crtdited to your accent ae of the floe vre receive it, provided you nerd Ate botttxn portico of Chia atatemertt arxl your deck Fn Aa awloaed remittatoe emelape, and your ppaayman is received m our prtxxxertp tatter by 3 p.m. Paymana atklreased to our V)rgria or (ieergia procetaNtg terser coat be retxaved m a btakteaa day ~i3:00 pa . ET. Payments at)drosaed to txw Washingtm proceaarg tatter roust be received on a btatkaas daY by 3:00 P.m. PT. Rmae allow at kuat Bve 15) btuirass days for postal Ftdid~. PP~ ~ ~ ~ by tr at any other loraam w in erwAar Mtm may not be cradled tla same day we reoelve Aam. Our buarasa day as Mmday through Sattadey, exdttdrq ys. staples, Paper dips, etc. vtftat Preparing Your peymaa. 5,000 PEOPLE WILL START SAVING ON THEIR LONG DISTANCE TODAY. WILL YOU BE ONE OFTHEM? Turn the page and start saving today Capital Qy~a VISA GOLD ACCOt1NT 4388-641&2716-8845 Account Previous Balance 5746.05 Payments, Credits and Adp>_stments ;60.00 Transactions 112.16 Finance Charges ;6.73 New Balance 5706.94 Minunum Amount Due X1,00 Payment Due Date Jamrary 27, 2004 Total Credit Line ;700 Total Available Credit ;,pp Credit Line far Cash ;700 Available Credit for Cash ;.00 Atyourservrce To call Customer Rehstians or to report a lost or stolen card: 1-800-903-3637 For free online account service and speeal svstomer offers, log on to: www.rapitalone.mm Send payments to: Send inquiries to: Attn: Remittance Processing Csptal One Servirts Capsfal One Services P.O. Box 85147 P.O. Bex 85015 Richmond, VA 23276 Richmond, VA 23285-5015 NOV 28 -DEC 27, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 24 DEC PAYMENT RECEIVED -THANK YOU ~O,po- Transactions 2 27 DEC CAPITAL ONE MONTHLY MEMBER FF.E 3 27 DEC PAYMENT PROTECTION 1-888-527-6904 56.00 6.16 Finance Charges Pkruerac reuerreridefar important information ~ Ba/marr~e Periad~r (,arrrs~a6sg ~e~'. gppfiedto rye dPR ~~(iC. 1D PURCHASES ;74249 .0391996P 14.30% 18.73 CASH i.00 .03918%P 14.30% A00 ANNUAL PERCENTAGE RATE applied this period 14.3096 • PLEASE RETURN PORTION BELOW WITH PAYMENT. Capjta>,Qne• 0000000 0 4388641827168845 27 0706940060000021006 New BalanrE 5706.94 Minimum Amount Due 52].00 Payment Due Date January 27, 2004 Total enclosed ; Accorurt Number. 4388-641&2716-8845 A'eaxr print mailing address artd/are-atarl etre;grs betav svixg at, a ar btmrF inF. sneer Apr. M sty s~ zm Home Phone Alxmate Phone "~ #9036225817229117# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Sox 85147 iiiuriinuririinrii ~ 902 ALLENVIEW DR Richmond, VA 23276 ~ ~ MECHANICSBURG PA 17055-8604 iuisiuiiusitiinritiiaiiariiatitntitariiasiirrriirrti ~ iuriiinriiiuni,ini,iriaiaiiniinniniiitanisiairii Pteare write your acronnt number an your check or money order maaL payable to ~' pitat One Bank and rnait in tl~e encLuidenz~etopr. r SIGN UP NOW FOR 3.9~~~' PER MINUTE ... EVERY CALL ... EVERY DAY. This special rate* is brought to you by Capital One®and OneVoice Long Distance. Start saving today. Call 1.800.833.1651. Or visit at www.covistaonevoice.com ~_ ~~r ~N~T~ s ~~~CP. Long Distance "3.9 cants per rrlntne d to stale to state calls. 'Fxdutive Offer - No monthly fee Iw Capital One customem. Onevoae tong Olsatiea, a product a Covlsta Communlmtbns, Inc., is solery resparidble tot this offer, and a not emllated wlm Capitd one. Cepkal one does rat provide, endorse or guarantee end h na atfitated wish any product or service ahovm here. Any trademarla mentioned herein ere edgily owned by the respeaive entity. AN rights reserved. By responding to this otter, you may be commixwcatirtg Information about yourself to the company that Providr this produq--tor axentple, that you am a Cadld Ono customer. O 2003 CapAal One Services, Inc. Capital One re a tederaay registered service mark. All rights reserved. 8 O I O n ~ ~ [It only takes 60 seconds.] ppeedock rate. To obtain the average daNy balance far the hNling Period covered by this statement, we take the be¢mng bdartce oT each aegmem earn day, add anY new vartrctiaa to earn aegrrterit, and aiMrect any peymrma a eredfs. 111 the rxxle N appears m the hart et this natemem next fo •Belarree Rate Applied To; we also subtract any irpaid Arartce rlarge ktrhsded in the bdarice of each aegnem.) TFia ¢vr ra the daily halarvx of earn aegnas. Ttbn we add tq aN the daily balances far each segmart trir the tilling ppeeriod and dvide by the turd rrsnher of days In the filling periM. TNa ¢ves re the average daily halartce of earn aegrnem. 3. Aatud Paroarfaga Raga iAPRI. a. The term •Arrral PercerYape Rate' may appear as 'APR• an the irertt of this aretattan. b. If the rode P (Prkrie), L (3itto. L1BOPo, C [CertiRrate of Deposit), a S IBankrard Prkne) appears m the from of this atatematt next to the periodc retels), the dock rates and corrrpardng ANNUAL PBiCEMAGE RATES may vary t)uartedy and may Increase or decrease lteaed m lire stated iMor, as tread in The Wax sneer Jou»al, plus the margM ppretlaely disdesed m yen. These die wiN ba effective m the Aret day a your tlllktg period covered by your pedodc statanan erring M the martM January, April, Jiffy and October. c. If the mde D lPrkrte), F (f ato. LIBOR) or G (3ato. LIBOR Repriced MmtNy) appeare an the 7rom o1 your sretematt next to the periods totals), the pedodc rates and correttpadrig ANNUAL PERCENTAGE RATES may vary mostly and may increase or rtacrease based an the stated iMrra, r tall h The Wax Street ./aural, plus the mar¢n prevfoudy dsdosed to you. These rhertgea wiN be effective on the Aral day of your billing period mdt month. 4. Asarartat M Late, OvrNmt acrd Rsaartd Payrrtat Far. Vou errant will he eaeeaaed ro more then two of the roes Aced here dot emr drfrg arty bilNnp period. Under the temp of yax iYM[anef egreerriertt, vve reserve the right to waive a not to asset arty fees ~dtotrt prbr natlfr~tion to you vufdiors vveivirg cur right to scar the same a aimNar fees n a Nrer time. 5.'tFtatswktg Yar Artrtisait. If a manmrdtip foe appeere en the tract of tl>se atnerrters, you have 30 days iron the date this atnernera wee meNed to yen to avoid peyktg the fee ar to Fave such fee cradled to you if you rartcd your arrant. Qalrtp Wa period, you may txrttlrttte to tee your ewotnr whltas having to pay the mertthemltip fee. To rartcel your etxnim, you mist clarity re bV telling atr Oetarter Rdedorte Depertmrrn giro pay Yyna Now Belertee• in All (atatirtdrg eta merrthersHpafeeY prior to the end of rite tarty-day period. B. H Yrsx CFaa Yar Aoruit. Yau cart req.sd to rJoae yeitr accairx by raMktg our Qtaomer Raledare Ic apsrtntertt. Val must daetroy yaw cradt card(s) and errant aixrer rlrecks, rartcel dl preaalnrized ItNNrg, and cease you aornnt. If you do rot rartrxl preaaMrized aner»rnerrra, we wiN oorraider raraipt of a therge yen eitthodxetlon to reopen your Adxaart. AddhierteNy, your afrarH wiN rot be rJesed uai Y~ pay aN errtoisra you owe is indudrtp: any trertasctlore Vou lave sidnrized, Arwtra rlargea, past due fees, overifmit fees, ratiared {aymerr fees, rash advarca fees gird any colter ter asttared to your errars. Veu em meportdhle for dress erttoiass tvltettter they appear m yar errarr n the tiers you rer}tast to rJor the scram or they am irtuxrad a6ee4.en to ~ t ring m scrota fter~yoyu rent in your aornart if h hea dready been closed. For etars'rple, if you eislnrized a piachsse from a rcterdten and vue rereiva the trereecdon from the rrerdss after Ya+ etxnutt las been rJOSed, Your errant wM De moperied, the emnar[ of me charge wall be added to yrv errant, gill yyoouu w~~~IN be reaporWtle for peprant. If there Is a membersttip foe for your soraira, the fee vulll rondnie to be darpad, to the etaera pemtitted by law, until the aaxastt bdsnce has been paid In fill ea deflred shove. 7. Uaiig Yrsr Aaarart.Vau ram or airam carrot be need kt rnrrsectiort with arty irYamet gambling treraeetiere. 8. Ibfioa Ahwt 6aatsrtio Onak Catvrsim. When you provide a dreck r paymart, you ailheriZB ua eldtar to tee kt(amadon tram your rlteck t0 make a ar0•tlrrle dectraic find trerefer from you bait ersoint or ro pritoase the ppeeYn'brr es a cheek trerretsiort. When vas i1a inTdmation flerrt your cheek to make an deCtrotit ford trerefer, fisrls may be widiMswn from yaxr bent eccnrnt r won r the same day wa raodve your peytitera, and yen wAl rim modus you check beck ftorrt yar tlrtartdal irtsdttaien. BIWNG RIGHTS SUMMARY Ile Case Of Errors Or Oirietltre Abrut Vaur Blip It you 1Nnk your hill Ia wsag, or If you reed more intomtnian on a trareacdon a tlN, write to to m e separate sheet r soon as paaetle a» the addrer tar irtgtirir davtn on the front of this statement. We moat burr ham you ro later then 80 days after vte son Va the fimt tlll m wttiM the error a problem appeared. Yau can call cur Getaner Rdniena ember, but doing so vMN rot PrPaerte your rigtrts. h your latter, give re the ldbwirg mlomiation: your name and accaart aanher, the dofler amoim of the sieperrtrtd error, a description of the error and an et~laredm, If pitadtle, ai whyyrr yw brikve there Is an error; or it ya, reed more iniomtetian, a drecdpdon of the item ya, ere urtase stein. Van m rot have to pay any amaun In girrtien vrhAe vre are investigating it, but you are sltll ohNgsted ro pay the parts of your biN that are nm to giresdon. WNIe we ~~~~~dgeta your gistadon, we rarnot repair yrxr ae deNrigiern or take any action to eaNem the amaim yen Qtreatim. #,t Spedal Floe far Crtfdt Card Wrclaeas If you lave a prehlem with tie qualhy of property or aeMces the yen ptadased tMUi a credh card and you have tried In geed fehh m mrreet the prehlem with the merrhem, yet may lave the rigln rot to pay the remeiring amain) due m the prape~ry a rrWces. Vou have this prmecAm aNy wAten the purrhaee price wee more 1Mn 950.00 gird the ptadar was made in your hrme state a whhin 700 miles of you mdAng addmr. Ili vac awn er operate lire mercFarn, or It we mailed you the advertiteanarl Wr the Property or services, aN pumJasea are covered regardeas of amaisd or kicadan of pun3ase.l Reese rerrtartber to dgn all mrreaportdatce. t Does rot apPN to corxwerrrer ran-credX card accounts S Dees rat apply to &~tirrets rxvr-crarxl card ecmunls Capital One turpporn informadan privacy praectim: see ou weftdte n www.ucapptalarte.cem. Capital One is a taderagy regstered service mark of Capital One Firtatcid Corporation. All d¢na reserved. a 2003 Caphd One OIIALBAK ta. f~aoa P~isd. Yw will lave a mrimum grace period of 25 days wfthas Anarrce rlerge m rew purriteaes, new MlerrB trerefam, raw speoel pisrhesas gird rew other charges if you pay your told 'New Belarrce•, in accordance with the knportarx Notice for payments below, and in time for h to he crxhed by your rtma statement arrdspeael transfers. h ad~rt~dtem a ~ P~ on arty trerrection rf you t6 tax pay the told Now belertce.• b. Aemiq Ffrvtaa Chargs. Trerrectiaa whidr are rot ahjait ro a grar.,a period are assessed Artatce r3arl~ 7 ) from the date of the trertrmiat a 2! from the data the trareaaien is prooesaed to yen AabtaY a 31 from the first ralertder day of the anent hiNktp period Addtiorelly, if you did rot pay the 'New Balance from rite previae billktg period ki fiN, fatatra darges cortdriie re eccne m your try>dd bdarB irdl the irpaid 6dance is P~ in fW. Thin mitaro that Wu msy still ewe tirtatre tlatges, even if Yeu PeY the errtire New Bdence krdeeted on the fmra of root do ® the prevlan lkpeid Rnsrr~ riarges em added to the applii~ segnatt of ytar Airarnt. t c. eAkriraan Fittartr Chtgsa~fbr each billing period tier your aocouK issi~ act m a Ilrerroe rltarge, a mirirram total RNANCE ROE ofr+9g0.50 vwi baeppiNmrp~oo~oend Ifytuher o Bret (s) iris less tl~wt 90~50,~we v~iN stbttrect that arant from the 90.50 ntirrkrvm all the dffererne wiN he biNed to the purdase ~gner of aornint. 1' d. Tarrpvary tiadaiim it Fiarnoa Qurgs. We reserve the d¢x to rot asesg any w aN Arence dargas for arty ¢ven hNWtO ppeeri_od. Ytee~~ 2 Avarapa OiNy Balatos f b Nswr Aeaftrisrl. e. France charge h edculated y mildplyirtg the daily baletra of rdt sagrrrera of your arras le.$., csrri advert®, purder, spedel trswfer, end apeael purdasa) bV Ute tnrreapordrtp ~Y rmels) drat hse bean preNady darJeeed ro you. At the end a eadt day dshq the hiNktg Period, vre aPdY ~ ~Y Periods rete for each segrtem of year eiraaM to ttrs ~ halertra of each eegmerK. Then et the end of the biMutg period, we add iQ the realb of these deAy ralalations to arrive d periods ktertce tiarga for each segmen. We add ip the reaps from eerit aegnerx to solve at the lard parlodc tirertra dtarge for you amhtaY. ro gat the ddN belaroa Tor each aegmerv of yrxx arrertrc, we take the bagkatirg balatoe Tor each sagnent end add arrttyy new trereeeffats gird arty periods Arartce rJtsrge raln~eted an the preNOUa dey'e 6darroe for that atapttaa. We then abtrea reV payntanra a cradta posted r of Uat rMV shat am dktrated to trot seArterr. Tics gives u the separate daAy bderice for each segrnefY of your aocant. However, if you the New Beletce drown on your previous atatentent in I (or If your craw belart® was zero a a credt smart), new tmreectiorra wfirlr poet to yriu pinYtar or ttperid pixriire sagnersa ere rte added ro the da7y belerices. We calalare the average deNy rotates bV addng eN the drily balartor togatlter and dvidng the sun by the ember of the days let the accrete 6iNirtp cycle. To ralalate you told Arartce rlarge, rnildWY War average ifeNV balance by the deny periods rate ell by the ember of Mya In the 6iNirtg period. One m rasrdrtg on a deity basis, there may be e di¢K variance hetvvaert this ealalatien ell the amours of firartce rJtarge actieNV esaered. h. It the code Z ar N appears an the ban of this statement rext to •Balance Rate Applied To,' we nshlply the 5794M Irrpwtea Ilolica: Your paymran vtiN be cradled to your accvirtt as of the date vve receive iL provided you send the bottan portico of this nnemem and your check in the erxdoaed rerNnance envelope, and your paymem is recdvad n our praceeakg career by 3 p.m. Potatoes addn~if to wr Vtr¢ria or Georgia poceadrp cemer neat be rwdved m a buakiesa day by 3:00 p m. ET. Paymana addroaeatl to our Wattlirtgtan procerirtg center moat be received m a birdrteea day by 3:00 p.m. frT. Please aNow n least Aw I6) birrJrrer days for posed ddivery. PaWbma mceived by ua at arty oUier IocaUan ar In anoViar form may na 6e credtad rite soma day wa racelve tfiam. Our 6iaYriar days are MordeY thraii¢t SatiadeV, exdudng ndiaya Rrr do eat tee atedea paper dippsa, etc. wfw'n Preperkp Yaur {aymern. When you send ua a dteckla), yen aulhodxe re to make sane-time dectrmic trorvfar debh ban your barn acceurt for the emeirrt of the dreck. Tha alalarizatlat applies to all Chaska fet:dved dUrkg the bNNrtg cyt9e even if eem by saneore rise. If vte ramot process the trerefer, you euhorixe fie to make a charge agelret your bank acceirrt leiltg the dteclt, a paper draft er other non. n Surf up to 5x fastert9,~ ~ FREE Accelerator -- for the rest 12 rnanfha+-a 9150 vahnJ 1-888-S8T-9669 ~ Mention Offer Code: DIAMOND Or visit www.peoplepc.com/go/diamond VNLIMITED INTERNET ACCESS Peop193PC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by symantec*M ® Pop-Up BlockerT"' `~ Spam Controls ® ~SQmart~elr SmartADialer Technology ® Ed~"R~~E~yB~sses ~C1N IG~id~B~alilAV'V~ftCrlg8604 Capital ~l ~ e VISA GOLD ACCOUNT 4388-6418-2716-8845 Account S Previous Balance 1706.94 Payments, Credits and AdpMments 321.00 Transactions 312.16 Finance Charges 38.59 DEC 28, 2003 -JAN 27, 2004 Page 1 of 1 Paymentg, Credits and Adjustments 1 22 JAN PAYMEN'T' RECEIVED -THANK YOU ~1,00- Transactions 2 New Balance 3706.69 3 Minimum Amount Due 321.00 Payment Due Date February 27, 2004 Total Credit Line 3800 Total Available Credit 3,~ Credit Line for Cash 3700 Available Credit for Cash 3.00 At your service To caB Customer Relations or to «Pott a lost er Helm card: 1-800-903-3637 For fr« online account service and special e~stem« offers, log en te: www.capitabnnmm Send payments to: Send ingwries to: Attn: Rmvtmn« Proerasing Capital One Services Capital One Serviors P.O. Box 85147 P.O. Bex 85015 Richmond, VA 23276 Richmond, VA 23285-5015 27 JAN CAPITAL ONE MONTHLY MEMBER FEE 27JAN PAYMENT PROTECTIONI-888-527-6904 36.00 6.16 l~rllarlce C PkaJe ter re~utrrtsidtfor imf vrtmtt infam~i on d ~ ~ g ~` ~ if3 gopl ro i APR lil; °i PURCHASES CASH 1707.23 f.00 .0391896P 14.3096 .0391896 P 14.3096 SB59 5.00 ANNUAL PERCENTAGE RATE applied this period 14.3096 • PLEASE RETURN PORTION AF.LOW WITH PAYMENT. ~~~~~~~ 0000000 0 4388641827168845 27 07066 90021000021005 New Balance 3706.69 Minimum Amount Due 321.00 Payment Due Datt February 27, 2004 Total enclosed t ~~ Account Number. 4388-6418-2716-8845 PVeasr ps;nt rKailurg aAaira and/or r-mail drmgrr 6elom ruirsgblur ar b/m~6 inl: Str«t A~ y c'ry Smee ZIP Home PMne Altemaa phone EmsilAddreas ~ #9002825817229114# MAIL ID NUMBER Capital One Bank DEBORAH L GRAHAM P.O. Box 85147 Illsullnulsls~r,~~l o ~ 902 ALLENVIEW DR Richmond, VA 23276 ~ ~ MECHANICSBURG PA 17055-8604 Irrl~~rrlln~l~~ln~lrllullu~ll~ullu~ll~nlln~llnrllurl ~ In~lllrrrllluul~lul~l~l~~lrrllnll~~~~lnlllnu~lrlrrlrll Plenrt vurite your ar~aunt numbs on your dxcF or money order made payable to Capital Ou Ban4 and moil in the enclared emrulope. eo le cTM online p p p u Abetter way to Internet. r peoplepcr~ online ~.,~ Abetter way to Internet. UNLIMITED INTERNET ACCESS 1-888-587-9669 • a ~ Mention Offer Cod®: DIAMOND Or visit www,peoplepc.com/go/diamond PeoplePC is solely responsible fa this offer, and le not alfi8ated with Capital One. Capital One does not provide, endorse a guarantee, and is nil a(8liated with, any Droduct or service shown Titre. Any trademarks rtteri6oried herein are solety owned py the respective tatUty. AN rights reserved. 8y reapontiirig to this ofitx, you may be canmuniratirig Idomtatiai about yoraself ro [he company that provides this ptalud - fa example, that you are a Capital r>ce customer. 'PeopltiPC Oniks: First 3 rrromhs are bgled at ;4.97 pa month; 59.95 pa month thereafter. Offer available to new dial-tp sutsuibers at least 18 years d age and may not ba redeemed with any oilier offer Offer sutrject to change at any time. Phone tttdinkal support avAiable fa 51.95 per minute. 1Arxelerata ie Tree for 12 mamba. Offer good for limited lime. After the feat 12 trnmha, the Accelerated service wit autanalicaNy revers to the standard PeoplePC tkifine strvica. Offer subject ro tparige at artylime. With PepplePC Onine Accelerated, certain Web page text end graphics wYi load lasts when compered to Ac,itidad dial-up Inhmet service. Actual results may vary. PeopkfPC Online Accelerated ie any compatible with PtaoplePC Odkie Inttrmetservice aid specified Nltndows® browses. PeoplePC Online Acceltaateo is not tatlipa[lele with Windows® 95 with IE 5.5 SP2. Service tat available in all areas. Access fees, taxes, araf other tees said rest+ictbns may appy. Telephone tilt charges ~Y apply, even during trial periods. You ore resporslele for detuvmining YAiether a cell to one of our access ritxribers wit resell in telephone Isle c~iargas. Access may tie t'mited, especiagy during tkries of peak usage. Dial-up numbers may be changed el PeeplePC's discretion, Continuous use wl>ject to timtauf procedtaee. Al use is attbjeet to PtioplePC Online'a Services AgreameM and Acceptable Use Policy: 561( is the maximum speed of service; actual speed may vary. ~ 2006 PeopkPC Inc. All flights Reserved. PeoplePC Oniire and Rs logos are tradenk7kS of PrwplePC in the U.S and other countries. O 2006 Capital One Services, Inc. Capital One's a ftMeraMy registered service mark. All rights reserved. ~~ 0 raa~ r~ ts' ~~ iZ it ttttttttttt~ t, tl~ t_ S O j O ~ ~ rO~ N N 1. lbw To Avoid A Farersw 4ltrpw. ~'a. tress Pied. Yeu twiN have a mirimun grace period of 25 days vtiotocs Iiteriee dtarge on new purdtssea, rew Mlertoe traufera, new apedal prsidreaee and new other drer'gsa if you PwY Yotr total "New Belerra', h arrordarre with the krrPorteM fJodce for peymenta below, and h dote for k to he craned by your recd statement closing date. TMre is no grace period on rash edvertces aril speoel traisfera h adatian, them is ro grece period on any trerrtsctin if yru do not pay the told •Yfew pedodo rate. To obtain the average daffy balance for the filling Period cevered by ttra statement, we take the hegimrig Mlarra of eaM segmem each day, add any new irereaCliere to aaeh sepr~att, and subtract any peymersa M cradle. IN the code N appears on the frarn of the statement next fa 'Balance Rate Applied To; we else airiract any Wald flnarice dterge irrdrrde~ in ifiE balance of each sef~nem.) Ttra gvea us the daily balance of eaM segmfnt. Then wa add ry ell the daay balances far earn aegmem br the biitin0 Period end dvida by the tmal rxrnber of Gaya in the billing period. This gives to tM average dilly balance of each ttegnem. 3. ArwW Mroarlpa fSraa iAPR)- e, 'the term •Amul ParonYege lisle' may appear as APR" m tfs from of tfria atetarrari. h. If the rode P IPdnrel, L (3•mo. LJBORI, C fCerdfrate of Deposit), or S IBenkrard Prime) appears en tM lrerrt e1 this atatemait next to the periodc rmela), the periodc rates acid oorrespatdng ANNUAL PHi(~fTAGE RATfS may vary quarterly aril may ircresae or decrease Mead m the erred rndces, as torrid in The Wa// Street Jocrru/, plus the margin pmUady dadoaed to you. These dta wifl ba effective an the first day of your hillig period covered by yea periodc staemem erring in 1M morello Janury, April, Jrlr~a~n~d October. c. If the rode D IPrbte), F t1-mo. 1JBOR'1 or O f3Kno• LIBOR fie~riced ManHy) appeam an tfie fiaa of your antxnem retn m the periods carafes, tM periadc rates and correapenfng ANNUAL PHiCENTAGE gAT6 may vary rrtmtMY and may ircreaae or rlecreasa beaed m the stated indces, as Land in The Wa8 Street .ldarral, plea the margin Dreviady dsdosed to you. These dreriges vvifl be effective pn the fret day of your billing peeled eaM march. 6. As+aeanrnt M LaN, Ovrfrrri ird Rebored PMrsrA Fans. Your amrcrx vvi be asseesad ro mom then two of the fees Bated here that omx dirkq erN bilfrtg period llrrdar the tams of year astomar e¢aertsnt, we reserve the right to waive or not to assess erry fees whhna prior rretiflcatim to vvhtral vtraitlrtg nr rigfs m aruesa the same or simibr et a laser time. 5. Parr Aoooutt. If a menrbsrahip fee eppeare m the Aortt of tWs iraterrarM, You have 30 days firm the cbte this steterrterr urea mooed to you to evvid peyatg the fee tY to Mee sash fee created to you if you cancel year aoraent. axktp this period, you tray rarttiras re tee War aomrnt widdtt Mvktg to Pay the martadrip fee. To cereal Veu ecx:ourt, you mte[ rrxify ue by raWn9 our tatedrrvar Rdetlore pepermtatt and pay y~rs Naw Bdertce• h ttA lendrrartg the rnontbafatap fee) prier to the std of the tfrrty-deV Period B. ti You Cbww Yar Aeopas. Vou can regreat to dose ydr scoots bV raNing our Otutonrer Raletiore Uepertmarr. Val rant dearoy yraa rmrdt retells) aril a~cartt erxe® dracka, raricel erg presafnrized hian0. and cease War acretrn. H you do rer rartod receipt of aof a charge Wrration m reopen y~ax arrant. AdddertaflV. Vat secant wfa rot be tioeed aril You PBV e> amanta Vou owe to irtduMg: arty trasectiere yell have eerMrized, flnarra eYUrgea, Pest de tees, ovenknlt foes, ran,rted paymas lase. rash erivstoe fees and any otlar lees saaeaaed to you accent. Yau are raporaide for tfreea amnrrts vvftedter tltey appear m yes eccornt at the riffle you regsst to dose the aocarn or they ere inaared s6eagem ro you rac}teat m dose the eocant. Tics may msh it Mergra appearing m Your aocarx• after Yrw have. _ -' if Wuaeuthorized a aptatitaae iron a merdren ered~~ e receive the trereactlon tram the men7ws sitar your aomtnt hew heart clewed, your secant wIN he reeperted, the emdra of the dtarge wiN be added to yar eorncrs, aril yyoouu w~~it he respasNrle far payment. If there fs e membeistrip tea for Y~ acratrtt, the tea wiN eercirn to ba Mermd, to fie extern Psmined by Ise, usfl the aCadss antra has Itaen peel h All ss defined shore. 7. ilsiq Yon Aosaat.Yeur card or sccerrn tercet be rued h rarrtectim veldt env intaret gsndirg trseaetias. B. Notbs Abet flwsaortio Cltsik Llerrvsribn. when you pmvicb a dteck ore peymers, you sllnrize ru eider to tea htewnatim from ynr dteck to make crone-titre devttmrie Acrd trarefer from Vern bank erxotltt a to prioceae the payment ore a dteck trartsection When we use nfortnetiart from War desk to make en tlectrorie fad trerebr, Allele may M vuidrdrewt from your MNc eccoutt as soon es the some cey we receive your ,, end ~ ~ receive your deck beck from BILLING RIGHTS SUMMARY Ile Case Of Flrore Or Qrsatloru Ahad Your Bill) It you think yea hill is wrong, n if you need mom intomtadan m a treruactian err hill, write to t$ art a aeperate sheet as soar ae poselhle et the address far irigttides eFavwi m the froftt of iNa statement. We must Hear tram you no later then BO dep after we seat you lfs firer hiN m vdiM the error or pradem appeared. Ycu ran call our Customer Relations rwmber, but doing m wIN rat Preserve Nora dgM: h your letter, glue u the fdbvNnO mbmutian: your name and accatrtt rxmMr, the ddler amartt of the sifpected error, a deaedptien of the error end an etglanatien, if poasltle, of vat you believe there is an error; or if yn, reed mom information, a deacripurn at the hem yn, are rrtxae dear. Vau do rot have m PeY aiY amour in question tetras we am hvesdgetirq it, but you am silo ahagaleel to pay the pens of your M 1Mt em not In quearidtt. While vva hvestipefe your 4snim, we carrot repot you sa ridin¢rem or take erry action to cdect the ameum you qurstion. i,t Special FAIe For Credt Card Purdeeses If yeti Mee a preNem ,a+th the quelitV of prioDatY err aerviras tMt you purchased with a credt cerd and yw Mva tiled in goad faith to mrteet the prCbian rustle the marMam, yttu may Mve tfre d¢s not to pay tM remaining amartt due m tM prdpeny a seMcea. You Mee iNa protection rriy vvfreri thhee purMewe pdoe was more then 950.00 and 1M purMaae urea made h yea bane stns or witNn 700 miles of Pout maiang addrest. 111 we oval m operate the merchant, or it we mailed ya, the adverlisemem for tM p ny or aervkrs, Ea ptrMasta am covered ntgerdesa of ameu+t or kra8an of purcMse.) please remember to sign ell mrmapandertce. t Dogs not apply m eenvarur noo-varlet card xcants S Does rot apply fo AUair184S rm-Gedi! card acawnta One stppona infrxmalien Privacy prtriecdan: see our at www.ccaepptt~aalcna.txrri. Ora is a faderdly erect aeMce mark of Capital ~al Corporation. All riglrts maerved. ° O~GLBAK b. Aostinp Pirates tlrarps. Traruecfian vJiM am rot auhject to w grata partod am arewaed flrtsrrce derge 1) from the date of the trereactian or 2) from the date the trereactien is Proceeaed to War Arratnt or 3) from the first raladar day of the nrrerc hiGiip period. Adddertelly, if you del rot pay the •Naw BNarr-e fran the amulets ylirtg peeled n ftA, fitertce dvargew cerairrre to eons to your utpsd balance aril the urtpeid belertce is Paid in frll: This mean drat you mey atY Duos thartce tltergas, even rt Vou PeV ~ atdm New Bdarice itdceted en the frerc of War statement bV the rext ateternerr dowktg date, hrt did not do se far the prevhta montlt. llrpeid flrertce dtsrges am added to the sagnax of Vora Aanrnt. t c fvRlrarrr Fi+sroa ems. For each hllling peeled tMt your ecxanc fa a>bjeet to a lktaae Merge, a mirtirntm total HPtAMCE (]-IARGE of 9D.50 wiM be imposed. If the told lirratce Marge rsaldrq from the etppMiradon of yea periodic rere(sl is lea then 30.50. eve Zvi erbtract [Mt smartt from the 90.50 miinrrrt aril the dffrfratce wia be bled to the P~~ ~taK of Vtxr ermis. 'r'd. Tltrpuey BirYretien in Fiena• Otays• We reserve tfre fight to net esaen any or eM (stance charges for any given 61kg ppeed~~~od. 2. Avrrapw Daly Bslsrow firtskrdia New fhrahaaral. a. f3riance Marge is cdalated Y mtrnpNrig the dairy haloes of BaM sagrrtent of yea acoetrx le. ,ash edrrartoe, purdtsas, speoel trerefer, end epodes prrdsael lri the rnrre~ortdrtp dsay P rate(s) that hasybe~aairnp pelts Hwy aa~d~dooeeeedd~ re~ ~ASt ~ ~periodc ram for eerFi ®gnax of your arxxass m the de__~yy lt~elerree of eedt segnterr. Thant et the era of the dGirg period, eve add ep the resin of tree daily ralalatiore to arrive at yea periods titertce Merge rot each saArrers. we add tp the malts from eaM aegnenr to arrive et the lord pedodc fxsrioa Margo fir Yea aantrtt. 70 gat the daily heence for eaM sagnters of your acoara, eve take tts he9iriirtg benrtce for oeM segserrt ertd add eerr~Wy rew tnrtrrctlae aril any periodc Iktertce drarge rakxiated on the preMas day's balance for that tragrrtertt. We then stlxreu wry paymarta a cradle prated ea of that day that am dlocated to tM[ sagnari. This gives re the aeparae defy ttelsra for eaM sngrtax of your acceua. rbwevra, if you the Haw Balance shown m yea prevfats ateterrrertt in for if your raw Mlartrxe was zero a a craft rmars), raw trerrectiae vvhidt Poet to uric Padreae err wpadd purdeae segments em rot added to tfs dsi1V hdarras. We ralarlde the average rlaay balance bV ailing ea the deity belarae tegaher eel dvidng the sun bV tie nsrtha of the days h the txrratt bralrg cY~• To raldlete Vat told flrerx:e large, mrldplY Vora average t1s1Y belaece by the daay periodc rete and W tl+e camber of deya in the bafrtg period. Us to rocndrtg on A daay peals, ttare may be e ~t varfartra between ttrs rslnlatinn and the emasK of flrterrce Merge acueiiV assessed. b. If the code 2 err N appeam on the irnA of this alatanan next to •Bdatra Rate Applied To,• eve !altipiY the . . 9802M Irrpsrbnt Notion: Your peymem vNa be created tv your accatrrl ea of the date eve receive it, proNded you sand the hotter portion of tlrla staterrtatt and your cfreck in the aidosed radttatce envelope, aril Yar ppaiYntan is received in aru proceaeYg ratter by 3 p.m. Payymmems addressed to our Yirgiria or Goorgla procesairg tatter mutt be raxired on s buekresa day by 3:00 P m. Ef. Paymana addrttaeed to arx Waehirtgten precemirq Dame mat be recdvad on a btsitasa day bV 3:00 P•m. PT. Please aflow at fecal true t61 brreiran days for postal delivery. Paytrtenta recawd by ua at any otMr location or h siotMr Corm may not be credtsd the same day ~ rive them. Ow budriesa deya am MardaY firagh SatwdaY, axdudng holidays Pisses do rat use scaplea~ paper dips, etc. tafien prepetinp War paymatt. When sorrel ue a dsekls), you eutltodze to to make sore-time electraic trarefar debit ham Your bank octant for the amatatt of Ma dtack. Ttrs authaizstion applies to aA dscka receYved darks the biting cytle even it salt by someone else. It we carat Protbsa the trenter, You authorize us to make a charge egeirat your bank accarrt using the duck a paper draft a oiler item. ' plow wJth ' FREE Accelerator • for tM ilrst i~ moMhst-a •60 value \, 1 ~ a monk for n. a dr' SIGN UP TODAY! 1-888-587-9669 Mention Offer Code: PEARL Or visit www.peoplepc.com/go/pearl Capital ~~" GOLD v1sA ACCOUNT 4388-6418-2716-8845 Aooount Sum Previous Balance 1706.69 Payments, Credits and Adjustments 640.00 Transactions 511.99 Pittance Charges 18..59 New Balance 568727 Minuuntun Amount I)tte 520.00 Payment Due Date March 27, 2004 Total Credit Line Sg00 Total Available Credit 112.73 Credit Line for Cash 5700 Available Credit for Cash 512.73 At your service To call Customer Relation or to ncport a lost or stolen cgtd: 1-500-903-3637 JAN 25 -FEB 27, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 25 FEB PAYMENT RECEIVED -THANK YOU f40.00- Trancections 2 27 FEB CAPITAL ONE MONTHLY MEMBER FEE 56.00 3 27 FEB PAYMENT PROTECTION 1-888-527-6904 5,99 "`Capital One prwtdly supports the National Youth Anti-Drug Media Campaign. PARENTS. THE ANTI-DRUG. Stay Involved -Ask Questions. To get the FREE booklet, "Keeping Your Kids Dtvg-Free," call 1-500-788-2800 or visit www,Tl~AntiDntg,com'*` "'Important Notice" Yat were mailed an Important Nonce Of A Change In Terms in your February 2004 statement or were sent one in a letter Cram Capital One in Febntaty, If you have any yttmions, please call the customer servtce number on the back of your card. For free online ammnt se[viee and special qutemer offers. ]og on tez www.capitalone.eom Se'od payments to: Send inquiries ta: Attn: Rtmittance Processing Capital One Services Capital One Services P.O. Box 85147 P.O. Bax $5015 Richmond, VA 23276 Ridimond, VA .23285-5(115 Important Account Information Thu February Capital One u in the movies! Watch F.hert & Roeper to see their top movie p"tcks and visit EberrandRoeper.ty to see how you ran get involved and barn more about Roger Ebert's 6th Annual Overlooked Pilm Festival. Fittatlce Charges Pkmerureu7reridefarimpnrtantinformation Bdmurrmfe dfn ti Prriodrr (a' ne~pending '~I cE ~ APR ~(iE q~ r r r l Ili PVRCHASFS 3707.18 .039i996P 14.3096 SR.59 CASH 1,00 .03918%P 14.30% 6.00 ANNUAL PERCENTAGE RATE applied this period 14.3096 • PLEASE RETURN PORTION BELOW WITH PAYMENT. C'aprnalpne" 0000000 0 4388641827168845 27 0687270040000020007 New Balance 5687.27 M'unmum Amount Due 220.00 Payment Due Daa March 27, 2004 Total enclosed 5 ~.~ Aorount Numbew. 4389-6418-2716-9945 Street ~ ~ -__ Gty s~ zlp Home PFrnie Ntrsnste phone m FanailAddreas ~~ #9005925817229119# MAIL ID NUMBER Capital One Bank DEBORAH L GRAHAM P.O. Box 85147 ~~~us~~us~n~r~nr~~ ~ ~ 902 ALLENVIEW DR Richmond, VA 23276 0 ~ MECHANICSBURG PA 17055-8604 (u~i~n~~m~~~~n~~r~~u~~u~~~u~~~ut~~m~~nr~~ur~~m~ ° ~ (nr~~~m~~~nu~~~u~t~i~n~n~~u~~rm~u~~~nnrli~u~r~~ Plena write your amount number onyoutn rhak or money order made fwyvb)e to (n' pitarl On~.llan,E and snail in the enrlared envelope. Pli~e frintmailingoddirn mtd/arr-nreil tltmg~es bt/om roingbtur or blm:E inl: aoa peoplepcT" online ~ Abetter way to Internet. PeoplePC Online offers ali the features you would expect from higher-priced Internet Service Providers, including: !~ Virus Protection powered ny symantec'*s -IAM ® Pop-Up BlockerT"" Spam Controls r~ ~ Smarter Smart Dialer Technology ~ ~ More Email Addresses ®~ Internet Call Waiting r peoplepcrN online ~./ Abetter way to Internet. DEBORAH L GRAHAM 902 ALLENVIEW DR `TED INTERNET ACCESS s~cN uP rooan 1-888-587-9589 Mention Offer Code: PEARL Or visit www.peoplepc.coMgo/pearl PeoplePC is solely responside for this offer, and is not affiliated with Capital Ova Capital One does not provide, endorse a guaraMea, and is not affiliated with, any product a service shown here. My trademarks mentioned herein ere sd¢y owned by the reepectiye entity, AU fights nnarvad. By responding to th"s offer, you may be twmrtunicating information ebotlt yoaseff to the canpany that provides this product - fa example, that you are a Capital One customer. 'PeoplePC Online: Frst 3 months ere billed at S4.9T per month; E9.95 per month thereahec Offer available to new ~i4 sutxlcribere at least 18 years of age and may not be redearrled aith any other offer. Offw aubjeci ro change m any time. Phone technkal support available for 51.95 par minute. tAccekrator b tree for 12 months. Offer good to flrrlited 8me. Attar the first 12 morphs, the Accttkrated service wit autamaficaiy raven to the standard PeoplePC Online ttervica Offa~bjact b change at anytime. With PaopiaPC Online Accelerated, ced~n Wt3b papa tau and graphite will bed faster when canpared to standard dial-up Interrret service. Adud reauRa may vary. PeopkPC Online Aacelttreted is only corrlpatble with PeoplePC Online Intttmet service end specified Windowa® browsers, PrloplePC Online Accelereted is not compatible with Wktdowtl® ~, with IE 5.5 SP2. Service not available in ei areas. A~ess fees, taxes, arkl otlter fees and restdchons may apply Telephone tog cltagea ~Y eDPN, ~n ~M9 ~ Pam You are tasponaible fa datermmiyng whether a call to one d our etx.800 nlarbers wit result in telephone t~ charges, Access may be limited, aapeaally durkfg times d peek usage. Diebup numbers may be changed el PeoplePC's deaslion. Contkllxxts use subjlld to tinleout protxidlres. Ai use is abject to PttaplePC Onlina's Services Agreement and Aocepfable Use Policy. StiK is the maximum speed of service; actual speed may vary. ~ 2006 PeoplePC Inc. All Rights Reserved. PeapAPC Ovine and its Iegos are trademarks of PeltplePC h the U.S. and other countries. ® 2008 Capital One Services, ktc. Capital One is a fetferelly registered service ensile. NI rights reserved. ga O ~ O t o r0 N N ppeenode rote. To amain fits average deay balance for the hilNrtg Period cowered by tNs statement, we [aloe the hegimrtg belertce of eadr sagnent astir day, add anV clew treraacdert to each segment, and suMrect any peymerrta a cedta. (11 the cads N appeare an tfte from of able statemem ran to 'Balance Rate Applied To; we also subtract any upNd artence dtatge ktchtded in ten mlarrce of eadr aepmera.) Thin ¢vea ua the daily balance of mtfi segnas. TTren we add up aN the Ballyy helarrea far each segment tOr lire biNkq period and dvide by fire told ember of day in ten Ilirq period. Thin ¢ves ra the aver+tge daily helarrce et earn sogment. 3. Arsarl Pro~lfapa kttae CAPRI. e. The term •Amual Permaepe Rate' may appear sa APR' m the lrmt of tlis natemerd. b. If tfre eerie P ~rkml, L f3-mo. L1BOft1, C (Cerdfirate of Deposit), a S (RaNrard Prime) appeare en the tram of tfis naltattent next ro the patiedc rais(e), the periadc rates and cerreapondrtg ANMIAL PERCENTAGE RATES may vary t)rrartedy and may kxxease or decrease mead en the stated indtxt, as Sand in The Wart Street .,btrral, pus the margin prevfetaly dsdosed m you. 7lreae tlrargea wN be effectlwe an lm tJrst Bey of ycur hillirq period covered by your pedodc »nemem erring in ten mtrrtla January, April, JJy and October. c. H the coda D (Ptkrte), F (tyrto. LIBOR) a G (3~mo. LIBOR Repriced Manarly) appears m ten fiortt of your statement next to the pedede rate(s), the pedodc rates and corre~pondttg ANNUAL PERCENTAGE MTES may vaN mmdrY and may increase tx decreeae based en Urn stated indces, as bud it The Wa~b 3[reat..lorme; pus ten margin pretAtxrly dadoaed to Wtr. Theca durtges will m efbetive en the That Bey of Your filling period each montnh. 4. Attremaa M Lab, 0vsriWt ant Rs4ntd Peyrrrart Feu. Ytxr apfbtra tM be aaaa®d ro mss then two of ten fees fated were tilt [[[fill tlrektg arty hiNkp period, llrtder ten tarot of ynr asaomar epeenrsrt, we rrraerva lit rl¢ri to waive a not to eseese arty lase widnts plot rntlficetkn to widtora waiving our right to oases the same ar simiar et a Hoar time. 5. Yrw Aossart. If a mentherslrp fee appears en tit trtrx of this statement, you have 30 day8 fffm ifle dais tfra aMamarl wa8 moped t0 Yetl t0 avoid psyktg the fee or to have srr9r fee cradled to Ven if you certcd your ecrarra. Drrhg tits period, You meV ranNna to tae yrar accent wtd,ar laving to pay taw memheralrp fee. To rartcel your scram, yell rota[ ratify u by eelYrtg err Ctlserrtr RdMiat Departmem and pay New Belarrra• it 1tN lextiudrtg ten nrentberalip feel prior to tit erd of ten tfvrtydey period. B. M Yw C(ttw Vtar Atzawrt. Vau rant raµet to rJoae your arrant bV raNkp our Customer Rdedort uepettnterc. Vtxl ntrat tlatroy yru sari[ card(s) ant acOdrrt arraea dterJu, ralttal er preaaforized bNNrg, erd cease eorrrrn. If you do not rarrcel prexaFradzelartargenreras, the vJN tbnsidar of e~~~yar autltodzstim to reopen Yore V Vat atxnra vviN rot be dosed trriT Vow pay s• seam yrtu owe u trrchaig arty trstaenena yw rove arahodzed, flrartm dterges, past duo fees, overlknit feu, retuned )zeymen fees, [watt atxbmt. You ate enV aUrer fees aauesad to year raapatliHe for Brae arrrorrae whedter ~ ar~M aeoodnt at ten [lens you re4eeat to they ere irtnared afhaequant to ate ~~ a TM~ ~y resit in your aooernt rr d its elreany mart rJoaed For exernpb, if you araftodzed a prrrhese hem a merdtstt and wa receive the trertectlen from Me merdtent sfrer your scrotra bee been rJoaed, your exam wM he reopened, the emarr of ten dirge wiN be adiad to your acme[, and yyoeuu wNl m reaparreatle tar psymsrt. If there ie a mentberrip foe for your aorars, the fee wiN txxakxt to m dtergad, to the extern Pertrtitted by law, trap the atxaas rrra has mart pad in frl ss defiltd above. 7. Lbilp Yor Aestnt.You card a accent carrot be used in tmrectiat vAM any irxemet gemblirtN ttertactiorra. 8. Flofbs Ahaut Elaasrerria f7wok 0anvlraien. N?tert you provide a dreck as paynrers, you aurhaize ua ekMr ro wee infomnatkn tram y«r dteck ro make a orte-t)rrte dedrmic turd transfer from yorr battle srxwtt a to p+oraes the ppeeyrrwa es a tittle trerts.Klon. When we use Yzforrrtagert from your drar:k to make an elerXroric Trrd trereTer, ttrtde may m vAdxlrsvtn tram yrxr mNt atxtotrx u tlom es the assts day we receive your PaV~. ant you will rot raoeive yrxr Brack back from your tirrarvial ktNUrion. BILLING RIGHTS 9UMMARV Ile Case Of Errors Or Otanioro Abort your BiID If you [trek your bill is wotng, a i! pzu need more inbrmasm en a trarteacden or biN, write to tom a separate cheat as sole ee posdhle n the address for irgr.idea shown m the tram of this alatemem. We moat mar from yrxt ro later than 80 dayysa alter we sett[ yew ten first hill to vdtidr the error a prodsn appeared. Yau can all txr Caataner Relatfat nummr, hta delrtg so wAN nm Preserve your agftts. h ynr lever, give to ten idlowirq mbrmation: your name and acoerrs ember, rite dtrler amtxm of ten arapected error a desedptien of the error and an mtplertatien, if poaeltle, of whyy you believe there is an error; to ii you need more inbmatien, a descdpticn of the hem you are attars short. You do rot Mve to PaV enV amtxrrt fn Queetim w)rM tee are krvestigatkal it, da you are sdll ahllpsted to pay the parts of your bi that are not in Qrrutlan. WNIe wa inveatigata ypu ~rteatian, we corset report Val aE delirt¢lem or take arty aclron to cNect the amoum you grleslien. i,t' Special Rile for Credt Card Purdasea It you rove a prohkrrr vllth the quality of property or eeMtxea that Vow ptatitesed vthh a credt card and ycu hews tried in gaud faits to correct the predem wits the merdram, you may have lire right rot to pay ten remakrng senors due en the propeny a senitxt. You rove this prmttctlm cry wftn Ma percher oche was mom Men 860.00 attd the purdtese was made m your home state or witfrin 100 miles of yea tnelNrg address. Ili was man or operate Ute merti,em, er if we mailed ycu ten adverdaemem for the p W aertAras, aN purtitasea ere cowered regardeea of amotan or locetlon of prxehaae.) Please rtrttrartber to sign all mresportderrce. t Lba.4 rot aPP/Y rp rnnwarbr norrcrecGt cent accounts S U7Ga rot app/y to brasiness rlorrcradlt carry actxxslts One s<4rPom intarmatim PdvecY Protection: sea tar re¢alered serv(~ mark of Capital AU d¢ns reserved. 0 20D3 OILGLBAK ta. Aaos Paiad. Veu vwN have a mitimtm grace period of 25 days without iktsrtce dtarge an rtw purrheses, new balance trertfere, raw ~eciel pxdtasea end new enter dtergaa if V~ PeY your total 'Haw Balance', in acratlerra vNth Me lrrtportartt Notice for paymeras below, and in time for it to m eradted by your rrma statement e dapadal tr~re. kroi adf~dm~thera is $re~ p%d~od m any trertection if you do rot pay the told Flew balatce.• b. Aoanig Rrstoa f]vpa, Trartactiart which are tort ab]art m a grace period am sesesaM hterrra dtrga 1) from the date of the trartection or 2) item the date the trertectlort is procerad to yar Accent or 3) from the firs slender day of the aarsY hiNktp patios Addtiatelly, if you rid not pay the •Nttw Belertce font tits gavloua bNNrtO pedod'n kN, firtertee titrgea txrtune to etrrtx: to Your tspeid belstce trap the Irpeid belarttt is paid let fUl. Thin means that yew may s1Y owe firrertce titrgea, oven if yew pay the ersire New Belartce ktdceted on ten trorx of your sretemera by the recd aurtsnsa riasg date, tea rid ere atkkdfor~ prev(tra morrM. lihpeld finartrxs ttttgea `r'r.. 1ti'iriertan Firsta~ForhiNi V~ Arrant. ng period that total g1~iANmCE~(]~R~OE of 80.500.50 wg1 m~irn a mirtinnm posed. If the total Rrtertee dtarge raa~org from the of pedodc rate(s) is lees dtan 80 50, wa~ram that ametrx from the 80.50 rrtkrrram and the tlifferertra wAN m biNetl to the prdteae aeptt~tt of your amorra. t d. Tarrtpanry Rsdrzatisn in Fittnas imp, We reserve the right to not assess any a aN tYtrra titrges Tor anV ¢ven hiMktg ppeer_iod. -- Averaps DYy Bslsros fYwa+drta Nrw Rrdrpai. e. Hnartce titrge is caltalated y mr/dpyfng Nte doily balstce of ttdr aegttent of your aanrnt (e.g., cash advsrtra, purdtea, speriN [rattier, ant apedd Puritsel by ten ddlV P~ rate(s- [het ms been praviady d ro you. At tit erd of sari[ de drxitg the trNirrg period, vve apply tit dray periodic rate for earn aegrrrertt oTltn etaooant toe 1 ~y balertce Of each • tlNNrtg perod, we add rp tit castle of tlteee dopy rdallatiorra to arrive at periedc fktrlCe dtrga fef eeth tregnera. Wa add tp the restlta from sari[ ae{lrtent to amve at ten teed pt:lode firtro@ titrge (pf yorr arrant. TO get the dairy belartce ter eadt segment of ytxr attars, wla take the be¢trting perkxae 6tetitetl ~aledrtlye[~reedw trertecdorta day's 6elartce for trot aepner~ we Mart a6tra~tx ~ ~ PeNrtrrte a credits posted u of trot Bey that ate aatrated ro that eeTters. This ¢vea to ten separate dally bMartce se{) Hof ~ vacant. However, if you pdd Ma your prevfda starenrert h k11 (or if your raw belartoe was zero or a credt ranara), rew trertactivt vvitidt poet to yrxr purchase ar gtedel ~rt lass a~aptteras eremrat tf~ W ~ belerras. We belerrcas loge h~sd dv'rydrp the stir bV d~ia nether of tit days h the arrrertt hiNirtq cVde. To raltxllMe your lord firtertoa dirge, nxhiPlV Yom' average daily belerra bV ten daffy pedatk rote and bV the camber of days in ten hiaitg period Due to rardrtg an a daily msia, there may m a sN¢a vederra between this calalattan and the arrterra of firertrB fitrge eetueNy aeeauad. b. It the code 2 w N appeals m Me hom of tNa statemern next to ' Beiertce Rata AlzpNed To. • we mrltkly the IV414M Impa'tsa tWdia: Your paymtrn wfN m credted to your acceun u of the date we receive it, Provided you send the bonrm porfim of this trutatrtstt and yes dick in tfle ertdosed rerrrittance envelope, and your peymss is received m our praceaakg tarttar by 3 p.m. Pa eddreaaed to our Vic ' a or Oeo by 3:00 m. E7. Payments addressed to err Waehirrgten proceselrrg center rrttart b 4d n3ia PAN cerrtar moat m recalved at a brairroaa day led to a btwkteca day by 3:00 p.m. PT. Please aaow n lean Live 15) bttekreae days br postal delivery, aymems retxsved by to at any tnftr locatiat a h another form may not be cradled the same day ~ receive tfrrm. Our btlektu days are Monday thretl¢t Saturday, tlxdudng tgidays. Please tb not use staples paper dips etc. witerr PrePar~nO Your peymem. Whsl yw trrxrd u a check(s), Yetl authorize ua to make a ort-[lens electraric rooster dedt from yotx mrtk aceatart for the arttout[ of the dtclt. This auatodzagon appma to aN d>acka racdved durYlo the bilNng cycle even it aert by atsneorra doe. )f wa camat prausa Ma trarrstet, you authorize tffi to make a charge agairan your bank atxxxrs urng the dteck, a paper Ash tr odtr tem. ' Now with ' FREE Accelerator ' • for the Brat i2 mor,rthtrr-a HBO traiue \, ~ aa t 3 V a monm for first 3 months; 59.95/mo. then~fter SIGN UP TODAY! ~a~87-9669 D ORAH L G 902 ALLE DA'-ention Offer Code: EMERALD CIA BURG 5-8604 Or visit www.peoplepc.com/go%merald Capital ~G• GOLD VISA ACCOUNT 4388-6418-2716-8845 Account Si Previous Balance 3687.27 Payments, Credits and Adptstments 340.00 Transattions 3.37.04 Finance Charges =7.73 New Balance 3642.04 Minimum Amount Due 320.00 Payment Due Date April 27, 2004 FEB 28 -MAR 27, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 18 MAR PAYMENT RECEIVED -THANK YOU 340.00- Trarirarr_ions 2 25 MAR GIANT FOOD SPORES #310 DILLSBURG PA 3 27 MAR CAPITAL ONE MONTHLY MEMBER FEE 4 27 MAR PAYMENT PROTECTION 1-888-527-6904 325.00 6.00 6.04 Families in PA EARNING INCOMES UP TO 143,240 pa year maybe eligible for Low-cost or free Total Credit Line 3700 ~~ care coverage FOR THEIR UNINSURED CHILDREN. If you or someone you know has a Tonal Available Credit 37.96 child without health ina><ance, call toll free 1-877-KIDS-NOW for information about the low-cost Credit Line for Cash 3700 or free health care coverage programs in PA. Available Credit for Cash 37.96 At your service To aB Customer Relatiem or to report a lost or stolen and: 1-500-903-3637 For free online amount tert4ce and spedal oustoma offer, log on to: www.capitalenemm Send payments to: Send inquiries tn: Atm: Remittance Processing Capital One Services Capiml One Services P.O. Box 85147 P.O. Bax 85015 Richmond, VA 23276 Richmond, VA 24285-5015 Imvorrant Aaount Information This month you will receive your 2004 Guide To Benefits, which sets forth all the additional benefits and services you maybe eligible to receive this year. These benefits and services supersede any benefits and services provided in your 2003 Guide To Benefits or other additional benefits and services previously communicated to you. Please read and retain for your records. f m Fir]aace Charges Pkarela nveria.ridcjor important in, fo-nuaion Ralson ante Paiadr Ca+rsynadwg ~~ apf/ir~M rate R PURCHASES f680.Q3 .t7391896P 14.30% 39,73 CASH 3,00 .0391896P ]4.30% 3.00 ANNUAL PERCENTAGE RATE applied this period 14.3096 • PLEASE RETURN PORTION BELOW WITH PAYMENT. Cap~talp~~ 0000000 0 4388641827168845 27 0692040040000020007 Riau fr;,rt nraixr{raransr medlar r-neail rhregrs belrau anrtg blur or blmE inl: New Balance 3692.04 Minimum Amount Due 320.00 Sleet Apr. Payment Due Daze April 27, 2004 City srwe 2rP Torat enclosed 3 f come Phone Aluauoe Phone AocarntNtrmher. 4389-641&2716-8845 Fmsil Addrm Capital One Bank P.o. Box 85147 IllrrrrrrlLtrllLrlrl Richmond, VA 23276 Irrlritrllrtrlrllrrrirllrrlitrrllrrrllrrrllttrllrrrllrrrllrrrl Plrnre writiyaw auaunt number on your s #9008825817229118# MAIL ID NUMBER DEBORAH L GRAHAM u, '>~ 902 ALLENVIEW DR ~ MECHANICSBURG PA 17055-8604 ~ Irrrllltrrllirrrrltlttlrlrlrrtttlirtllrrrrirtlllterrtlrlrrlrll r1,erF m money order madeliayabk to t:opilal One &en.F and mail in rlx endared enmelope. 003 peoplepcry online ~ Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Virus Protection powe.ed by symantecT"' ® Pop-Up Blockerr"' '~ Spam Controls ® ' Smarter Smart Dialer Technology ®~ More Email Addresses ®~ Internet Call Waiting peoplepc~a online ~...~ Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAYi 1-888-58?- 9669 Mention Offer Code: EMERALD Or visit www.peoplepc.corn/go/emerald PeoplePC is sdely responside for file offer, and is not afNlieted wkh Capital Orre. CepNd One does not provide, endorse or guarantee, and is not atfNiated with, eny product or sdYice shown here. Nry hademarks mentioned herein are solely owned by the respective entity. !UI rights reserved. BY responding to this offer, yntt may be conmunicatirg infanteliorl about yourself ro the company that provides this protpaa -tar example, Met you are a Capi41 One customer. "PeoplaPC Onlirre: Fret 3 months are dllad at 54.97 per mortM; 59.95 per month ihereatter. Offs aveNllbla to new dial-up subscribers et tercet 1B years of age arW may not be redearred wRh arty oMer Mier. OlFer subject to charge at anytime. Plane technical sport avalttde for 51.95 per minute. tArxxkrata is free for 12 months Offer good for lirtetad time. After the lust 12 rrlortths, the Atxxferakd service wdl auronlaticaly revert ro the standard PeopiePC OrtNne service. ORer srbjed ro change at anytime. With PeoplePC Online Accelerated, trertain web page trod and graphics will ktad taster when cwrtpered to standard dial-up Interralt service. Actual results may vary. PeoplePC Online Arxelereted is only compatNtla with PeoP1ePC Ordine IMerrret service and specified Windows® browsers. PeoplePC Online Accelerated is not terrrpetible wRh Wirrdows® 95 whh IE s,5 SP2. Service not available in all areas Access tees, taxes, end other fees and restrictions may apply. Telephone tell charges ~Y ePdY, even dung idel periods. You ere responsible for dttlrrm'rrirtg vdreUrer a caN M erne M ors accr~s numbers wl~ resuN in telephone [otl d4rges. Access may be limited, eapeci~y during times M peak rlsege. Old-up numbers may ba changed et PeoplaPC's discretion. Cardinrtotc use subject ro hneaut procedures. All use is subject ro PeoplePC Online~s Services Agreanlent and Axeplable use Pdicy. S6K is the maximum speed of service; adnel speed may vary. O 2006 PeaplePC Inc. AU Rights Atreerved. ('eoptePC Ordine and hs logos are trademarks M PBOplePC m the U.S. and Mher countries. ®2006 Capital Orte Services, Inc. Cepiml One is a federeliy registered service rrrerk. All dgds reserved. ttitti ttttt~ tttittt~ S~ r>_ tttttttttttttt~ STS tttttttr_ ~fifa r 8 O '1yI v N N penadic rate. To tixain the average deNy balance far the billing ppeeriod covered by tfia sutemem, we take the beglming balance of earn segmem cant day, add anY new trermamittna to cant aegnent, ant abreact any paymertts or credits. ilf the trade N appeare m the lratt of this statement nett fe 'Balance Mte Applied Tc,' we also alrtrect arty repaid Marra Mope irrluded in the belarne of cant aegmem.t This fives us the dilly belatrce of each segment. TTren we add tp all the dally balances for cent aegnem for the billing period and divide by the told rarrrber of days in the billing period. TNs fives us the average daily hdarre of each segmem. 3. Amnd Para~tapa Rafae CAPRI. a. The tom[ 'Amid Perrergage Rate' may appear p APM m the free of rile statemtad. b. If the code P IPdmel, L 13~ro. URORi, C (Certificate of iJepeatt, err S IBankurd Prime) appears m the tearer oT this hatantart pea ro the pedodc relate), the pedock rates and tbrrespandng ANNUAL PERCENTAGE BATES may vary quartedy and may increase or decrease hosed m the stated (nditra, as farad in The Wad Street ,Awana/, plus the margin ppreviettay tfiadoaed to you. These Maraaa WN he efiettive m tla first day of your hiNirg period covered by your pedodc statemem eltAng in the monNm JaduN, April, July and Octaher. c. If the code D (Pdmre), F (tYrre. IBOR) or 6 (3-rrro. LIBOR Repriced MomHy) appaare an the fruit ai yore stnemag pea to the pednde estate), the pedodc rhea aril correapandrg ANNUAL PERCENTAGE RATES may vary mtntNy and may increase or decrease based m the stated irdoes, as land h The war Street Ja»tal, pltn the margin prevleudy 6adoeed to you. These Merges will be effective m ter, first daV of your biNing laded cant march. 4. Awsenrrt M Late, Warm ant Rapariad P°yerlt Fps. Vera eccorstt vM he aeaeased ro more then two of the fees Ifatad here drat tlpda dnYg sty biUktg period. lkrder the temre of yrxr n®tomer egraernarY, vva reserve the fight to waive a rot to assail any fees wAthdrt pbr nodRraoion to you wMtaa waiving our ~ M aeaese the same or drrrNar fees a< a later time. 5.tRarwwirY Yav Aeaast. If a mernberdip fee appears m the frorc of this aretenrerg, you have 30 days from the date dtis staternertt was mailed ro you to avoid payirg the fee or to Mve sriM Ere txedttd to you if you cerrcel yttur acrnrnt, arrkiU this period, you May tnrrinre to use Wur aoadnt wfdau having m pay the mub~y rw Ytg ar~(]atm~iar Ralatfarta~Depa~rmtent aril PeV Vu+ New Balance' to full (eaitttlirrg the nrerwtaratip feel Prior ro the ant of the thlrtY~aV Period. 6. H Ytar terse Yttia Aaowas. You can request to dose yyuouar arcornt by raNkg true Ctetanter Raladons Departmax. Vou mrag destroy your txedt card(s) and ar>oorart arxeaa diecks, carrel err preaaladzed hlNkg, and tease ~arg_your stxant. If Vm do rot rlklcel Prner>tndzed bNNrrg arrstgenxrgs, we wIN reneirlar retxipt of a Merge yttur eraltorization to rJyooauerd tagN ynuY~U P°Y rrs you owe tr MJtdrg: airy trarreeCdolla You heVa alaf1o112ed, Rr1911rB dlergBB, Daet tfu0 fees, overNmk fees, rennted paymerg fees, rash advarre fees aril arty tttltar fees aasttped m ytttr atxnart. You ere resporslhle Tor dreae srrorrgs wtietlrer they appear m year atsotnt et the tkne you request to dose the ecmratt or they am irnurred arrbaequarrt ro your retreat to dose the ecrntrt. This may rash M dtergea eppearkg on Y~ eoodaa after yur have Vex ecmtrg if k lies dreetly berm tdaeed. for exattple, if you eutnrized a prreMae from a merchant and wa reoetve the trertaecdan borer tfte mardrera char yttur atnotnt bee been dosed, Vela secant wgl he reopened. the emdtm of the drerge wiN be added to your errnrnt, eM yyedt wNl be a fa payment. If there fa a membeMip fee for year eocorrrt, the Tae WN nort[kare to be darfled to rho eaent pemrttad by law, urcN the arnornt rice lice been paid in fed es deRrad e6ove. 7. Uag Vtar Anawd.Vaa card or ac[nrnt urrrot he rated in tatracdon with eery irrtema gamhNrg trataectlara. 9. Nsfip Aha! Elaatraria Chapk Cawtartian. When you rteetN~famation from Nrrerg, 1"~ eutfnd:e us eidter to dxtrrtrgc Mel trensf~r from k to make a acre-time your tank accent a to procep the payment es a dtack trarstxan When vac rtes infametim fpm ydu Mack ro make an thtctroric fled trerreler, funds may 6e WlMawn from year bank atnant ea atran ea the same day we receive year peymur, and yttu will rot receive your Mack beck from yarn Ikarriel radttaiorr. BILLING RS3HTS SUMMARY Ile Case Of Errors Or Oueatiarre Apart Vmr Rile If you think your rill is vurang, or if ya, need more infennatian m a trartaectim or rill, write to ua an a separate sheet ere aem as potuihle n the address Tor irrgriries afrovn m ilea frog et tMa hatemem. We moat (rear tearer you no later than 00 days slier we aem you the first dN m vAritfr the error or problem appeared. Vcu ran call cur Customer Rdadare raanhar, Out ddrg ao WN rot preserve yarn dgMS. m yrau lever, give p the 1dloWrg rnlomutMnrt your came and arxaag raanber, the ddlar amarnt of the atapettted error, a deecdptim of ilia error and an etgiarutfan, if poesihle, et why you believe there is an error, or if yw need more Mformatun, a deecdptitar ai the item yttu are uraae about. Vau do rot lave to P°V arN amaag in tltreetim Wile rare are inveatigeHrg h, tart you are still ahlioeted to pay the pane of your MTI that are not in tltrestien. ewe investigate your quenim, vre rarest report you as defingwnt or fake eny action to collect the amtant you tluestim. t,t Spedal Rule For Credit Card Purduaea It yen have a pradem Wth d,e quality of prepany or services tfat you purchased wish a credt nerd aril you have tiled in good faith to correct the problem Wth the mertlraM, yen may have the dgitt not to pay the ranairirg amtsag due m the praperay err aenitxe. Vou Neva this pretecdm arty Wren the purrheae price wee mom than 950.00 and the pttrduse wee made in your home hate m within 100 miles of your mdNng addren. 111 we own or operate the merMam, er if we meNed you the advenism[em for the property er services, aN purdups are covered regerdttas of smarm er loradm at purdteae.) Please remember to age eU correspondence. t Lbea not aPON ro aorxwamar trier-credit ca d accelerate 2 Ueea clot apply to 6usiY+ess rtarr-credit card actbrrrls One supports intarmatian PdvacY Prottxtim: see our et vvWlV. can, One is a rdly mpst~red service mark vt Capital ~al Corporedm. MI rrgMa reoened. ° 000305 T's. Qap Peeled. Vau WN Fuve a miNmtm grace peeled of 25 days witted[ Tkwlce dtarge m rew purdmes, now balance tranafere, rew spetlal ptadreses and crew seller charges if you pay ydr ttgd 'New Ralarra', in etsordarne with the Nnportent Nuke ter peymdgs below, ant in dine for k ro be tae[Nted bV your nets stetemerx tieeirig date, Thera Is ro ~ pedtd m cash adverres end apedd tragrfera kt ed6tion, deers is ro grace period m eery trertaaetion if you M riot pay der total 'New belartoe.' b. Aeuuig Fiunp Cirt•ye. Trarreactitm vofiM are rm abject ro a grece period errs as®ped fnertce Barge ti from the date of the trarreactim or 21 tram the date the trereac[ian ie taooesaed to yea Atrarnt a 3) from the first rlYertdar deY of the parent hillk~ period. Addtimdly, if you Aid rot PeY the 'New Belertce fimt the previorts bIINnB padod 'st fid, frtertce Burgas twrgkaie ro atrnae ro your rnperd balerre until the utpeid baNrtce is paid in kd. TNa masers But you mey sdN owe firterrE dargas, even if Vm P°V Me erdre New Balance irrAeeted m the hdg of your deteetertt by the eras aetement cursing date, but del rat do so for the preNdd mash. llrpaid firarroa tlargea ere added to the calve aegrrrn[ of year Acrwg. tc. N~irsan Fkrarra°~ya. For cant billing peeled that your aconart is abject ro a Rriartre Marge, a mkirram total flNAKK~ 17fAR0E of 90.50 wiN he imposed. If rho total Rrierrra derrge reerldrig fran ilea appkceem of yara peAodc rate(s) is lase then 10.50, we wiY abtratt tlat arttorag from the 8D.50 nMrktxart and the dfference WN M hNled to tfre pradtese aegner~t of your aoporar. t d. Tairpar=y Radrralisn F FMoa Chaps. We reserve tM right to rid aeeeae eery or aN Rrarne diergaa Ter eny given tAllkrg ppaed~d. 2. Average Otly Bal~ias fktekslrta Nw Rrafrarl. a. Firurrce Merge fa ralaiated Y mVd01NnN ~ daUV balarroe of cant aagntatt of year eorntax (e.¢, rash advance, purdase, apedd trarefer, ant sptrJd ptrrdaeel by the rerteaportdNtg daNV periodc rate(s) tMt has been previeuly disdoeed to you. A[ the aril of cant de durkg the liMin9 per(od we apply the daily periodic rata for each segnag of yau~ercant to the daNyy balaa.~e of °aM segment. Then at the tad of the hrTing period, vee add r4 the reaps of rheas defy ralafatian m enure at periodic faience Merge for cant eagnterx. We add rQ the resits from cent aegnrsn to arrive e[ the tad peAodie firrerne Merge for your arrnrag. To get the daily tulartce flu cant aegnrerrt of your etxarart, we take the begkrirg balance for cent aegrrerg and add any new traruacdrxte ant any pedeac Boerne drops rakttlated on the previerts day's bdarna for that sogrtterx. We then stbtract eny paymerga or credits posted as of that day tfat ere dlorated to tla[ aetrnertt. This gives m the seperete ddlV bdartce for each aep~rtera of your aoeant. However, if you p8W the New Belerne ahowtt m your gravies atntentara in Rd (or if your new balerrce was zero or a credt amorntl, new treroectias whidt poet m yam purdxae a apedd purdsae aegriatts are rat added m the dally helertcp. We cekuteta the avenge deNyy balance bV eddrtg eN rite daily belartces together aril dvidrg the sun by the nether of the Mys in the current hllNng cVde. To ralaaete year trial firurne Marge. mtidplY Wre' average daily belarne by tyre daNy periodic rete aril bV tfa rnmber of deye in tfre biNkrg period. Due ro rora>ang m A daily beds, there may be a aN{/x veAerre between this rbldletien acrd the emaatt of Rnerrce Merge ecuteNy aseeSSad. b. If the rntfe 2 err N appears on the tram of this slatemm[ pea ro '[ielerre Rate Appled To,' we mWtiply the 36R25M Irrpa'tatt Nolfsa: Your peymtan WN be cradled to your atxaag as of the date we receive h, provided you send the hottam portico of ells athemerg and year Brack in the tanfoeed rertittertce tawdepe, and your ppeeytrrern is received m our proceaskg edger by 3 p.m. Payrnenta addressed ro our Wrgiria or Georgia proceearg Darter rew[ be received an a hrsirreas Bey by 3:00 p~m. ET. Paymams addreped to ow Wadirptan protxsmrg tatter rtast ba received on a Orsineae day by 3:00 p.m. PT. Plpae aNow at least ttve (5) bueinep days for poetd delivery. Paytrtenla received by us at ary oUat location err in arather Corm may not be eredted the same dsY we reodve there. Our brnir>eas days are MadaY tlgorr~r Sa[radaY, ezdudrg holidays. Please tb not use ataplp, paper dips eta Wren PreWrinU your paymtatt. Wlren you send ua a titeckls), you audadze ua to make acne-time doctranic tranariir debit tram your bank atxoran br the antdag of the dteck This euUgdza[ien applies to eN drecke roceiaed during Nee dlNng cycle even it sem by saneone Bee. It we carrot process the transfer, yw authorize us to make a Burge against your bank aocautt tdrg the dteck, a paper drari u other item. Capiia/Q~• 0000000 0 4388641827168845 27 0687450025000020004 New Balance ;687.45 Minimum Amount Due 520.00 Payment Due Date May 27, 2004 Total enclosed ; Account Number: 4388-641&2716-8845 Capital One Bank P.o. Box 85147 IIh~~~tdLI~~II~JJ Richmond, VA 23276 luhlnll~nl~lhnl~llnlhulln~ilu~llu~llu~lhulhnl wear pn;,r rnailn~q aduirrr and/or r-xra~t rlmtgtr bdam ta~urgahrr rsbta,t anE surer ~ w sty smte ztp Home Phone Alrrnum Phone Emsfl Addrea #9011925817229111# MAIL ID NUMBER DEBORAH L GRAHAM 902 ALLSNVIEW DR MECHANICSBURG PA 17055-8604 Plente unite your auount number on your Jitck or money orde~ made payable to Capital One Ban,F and mail in the rnrloted maxlope ruith this portion. CapitalQ~• GOLD VISA ACCOUNT MAR 28 -APR 27, 2004 4388-6418-2716-8845 Page 1 of 1 Acmtmt Previous Balance ;692.04 Payments, Credits and Adjtutments ;25.00 Transactions ;11.99 Finance Charges ;8.42 New Balance ;687.45 Minimum Amount Dne ;20.00 Payment Due Date May 27, 2004 Total Credit Line ;700 Total Available Credit ;12.55 Credit Line for Cash ;700 Available Credit for Cash ;12.55 At your service To nD C1~stemer Relations or to report a fort or stolen acrd: 1-500-903-3637 For free online ao eunt setvia and aprcigl nutornu offer, log en m: www.capitalentmm Send paymeMS to: Send inquiries to: Atrn: Remittance Processing Capital One Services Capital One Setvicrs PA. Sox 8514'7 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 232a5-50]5 P~ents, Credits and Adp~stments 1 24 APR PAYMENT RECEIVED -THANK YOU i25.00- T~ranagctvOtl4 2 27 APR CAPITAL ONE MONTHLY MEMBER FEE 3 27 APR PAYMENT PROTECTION 1-888-527-6904 16.00 5.99 1`inance ~ Pkausarrtxrscsrdrjor:mpnrtant infmrna ti o n Bdarteerafi li dt Pnisidr Carespo>tdag PR ~ ~~ rµ ~ • q~ r o `a' rafe Ci1i PURCHASES =693.06 .0391896P 14.30% 38.42 CASH 3.00 ,03918%P 14.30% 3.00 ANNUAL PERCENTAGE RATE applied this period 14.3096 .- _~ ttattt>: Don't Delay, Activate Today! Always: • sign the back of the card(s) • call to activate the new card(s) • destroy the old card(s) If you need to request another copy of your Personal Identification Number (PIN), write us at: Capital One P.O. Box 85oi5 Richmond, VA z3285-SO15 Irrporlsrt Nstisr. your peymem wfq he credited to your aroeaa as of the date we receive it, provided you serd the bottom portim of ilia natemaa and your check h the errJosed remittance envelope, and yrau paymart is received rn au proeeasrig comer 6y 3 p.m. Payt~~enta addressed to our Virgiria er Georgia pracesairq tame rout be reodved one 6ueirnss day by 3:00 p.m. LT. Paymrrna addreeaed to our Washington processing caner motel he rerxlved an a htmkiess day by 3:00 p.m. PT. Reaae agow et )seat Ast: (5) dairreas days for poatd delivery. Payrnmts remved by ua at any other locatlan or in arother form may rot he cradled the same daV wa receive Yhern. Our htri~s deya am MorMay thralgh Saturday, exludng fidtdeya Please do not use atadea, paper dr'pa, etc. Nf>en Preparing your paMnem. When you seM u a d~eckls), You auHodze u to make a me-time electroNc trarmfer dehh tram your bank atxxun for the errialaa oft the dreck. s arnlndxatian appgee to aq dncia reodved during the hggng cycle even if sent by someone doe. It wre carrot process the varefer, you aiMrodxe u to make a large agairet your bank aoeesa rrsrig the shtick, a paper drab or other rttm. t_ r 8 O ~' o n N N periods rate. To obtain the average elegy balance for the tilling pedtd covered 6Y ells statement, we take the begirkkng helarice of earn segment eadr day, add any new trereaetians to eaMr segnen~ and attuam any paymaas ar credts. IH the code N appears m the cram of ills statement red to 'Balance Rate Appged To,' iue also srttran arty tupaid finance darga irxdrded in the Mlerice of each aegmem.) Thh ¢vea u the daily balance of each aegnem. Wren we add up all the delly bdarxaes far earn aegnaa for the filling period end dvide by the tdd combo of days in the tiling pedod_ Thin gives u the averape ddlY balance of each stegmaat. 3. AnnW Raearaga firtas fAPR6 a. The teen 'Amlal Pertxxaege Rate' may appear as APR' an tfa tram et tNa statemem. b. K the rode P (Prkne), L 13-trio. UBORI, C (CeNfirate of Deposit), d S (Benkurd Prime) appears on the front of this atatemem next to the cedadc rate(s), flit pedadc rates and rortesperdrig ANNUAL PERCENTAGE RATES may very gtraredy and may Increase or decrease based ro the stated ikgoes, as fdad in The Wad Sliest Jarurtat, plus the margin ppreretJenly dadoaed to you. These diengea tviq be eHecdve m the Arat day o1 your bglirg period caverod bV Yar pedodc statemem endng in the mnrmn January, April, JUIy and October. c. If the coda D (Prime), F (1-mo. LIBOR) a G (3rrro. LIBOR Repriced MamNy) apprare m the irartt at your aatemarc next to the pedadc rate(s), the pededc mtea and rorreslmdrxt ANNUAL PERCENTAGE RATES may very momNy annddmay increase or decrease based m the stated indtas, a. toed h vita wee Sbect .,bravo/, clue the margin previedy d:tdoeed to you. These dverigea will be elfactive an the Aral day of your hiikng peeled earn mmM. 4. Asssssmrrt M Lass, Ovrirrlk grid Rrrsrwd Primwrt Fans. Yalx ecrotaa wY be easaasad ro rode than txo of the fees gated fare tlat omx drrtg arty hiig period. Urda the ttsms of your aattamer agraentaa, we reserve the right to wdve tx rot ro a®e® arty fees witfnut prior raadflrattm ro vvidsea weivNig our fight to aanas the same or similar a a IatM tim6_ 6.'rRsrrwJrp Yer Aamare. If a membership fee appears to the trace m this statrmers, you Mve 30 daVa iron fire date die statement wee mailed m you to avoid peyhg the fee a to have such fee cretited m you if you eaiod your atX:auY. fksii6 this period, you may txrraiiue ro tree yea aroent vMhea Mufrig ro pay tin rids eelgrg Cu a er Rdatlma ~rimant artl PeVyd )Jew Balance' h nil (eaadlydrg the rrieritherehipxfae) prior to the end of the tHnydaY P~~ 6. N You Cloaa Yet Aomat. You can ra¢ea ro dose yyaarr atx:eaa by calling our Cretomar Rdatldn Depettmem. You oast dearoy your credt urd(a) did srrnsrt access diecks, rarkal eq preatslwrized hgMrg, and ~Zytkr acoaaa. If Wu do not recital rrarigentarrta, we wIN canaltler rrioeipt of s large ytkx allndzatien to moperi your atrnstt. Addtlmegy, Your atxern wql not be rJoaed t~raiseatidceisyyeuroMve~at n~rized, Niardargesa, paa fire fees, overgmit fees, returad payrnertt Tees, rash advance fitea and any ntlta fees assessed to yea ermrrit. You are rosptkNhle for these amolaas whettaer day appear on you atnoiaa a the rirn ytk, raquagt ro does the atxxkax a they ere irinurted ataegram to your req,res[ to dose the arrairt. Thro may reap h oMrgae apprring to you accarrm after you Mve Vorrr atxnuit if if has already been doaed For ararrple, if you sutlroriztd a ptxdase from a rrnrdtara and we reoaive the trerisattion from the merchant sitar ytxr atx:ent free been tloaed, your accotsa will be reopened. the eyyomouuan[ of the dnarga vtiN be added to yerx arrant, memberehip fee ~oratxxaste ~Iwiq mtmYrare ro l>e da . to the camera permitted try Isw, raaY the arrelaa rice has been peM h firq as defkied above. 7. )biro Yaa Aamnt.Your card or accaae carrot be used rn tnrknetlan with arty irrternat gamhgrig trataecdew. 8. NaKoa Abet flratrdria Clrask fiarwara6n. When ytst provide a Brack as payment, you etulwdze rte ektar to use hftxmation from yea ohack to make a tste-tire electroie turd trerefrx from you bank atsoruit a to process elite payment es a titaek traraction. When we tee information iron you riaeck to make ai drictroNc nod trader, fiaida may be wktdrewn from wtx hank atrnint as aeon ea the same day we recdoe yar payment, erd you wt71 riot receive your deck back from yea ihariel hatlnlion. BILLING RIGHTS SUMMARY Iln Case Of Errors Or Oueatitns About Vour Bilp H you think yntx till is wrong, or If you creed more inbmnatian an a uarnasctian ar hill, wthe to u an a separate sheet as aeon ea poesiNe m the address for iriqudea slnwrr to the from of iHs atatemem. We moat hear tram you no later then BO dsyVaa afrar we son you the first 6iq m which the errs or problem appeared. You can coq our tXastamer Rdatione timber, bu tiring eo wig rot Preserve your rigMa h your letter, give u the idWvMrq iniotmadm: year came and atxeaa neither, the defier ameum of the araparded error, a descdprian of the ertor and an ea~laretim, if poseltle, of why you believe there is an error; or if you reed more intortnat a description of the item you are rsrsxe ahnrt. you do not Moe to PBV aN emeart in grreation Wile we are invesrige '' ~t it, hu Vau are atiq ahgget~d to pay the pens m your 4il(tMf are rot in grreaitn. While we invasduete your ryueadm, we rsnot repot you as ddingirait or twice any ac6an ro rngecr the amalm you Qiratian. i,t Spedal Tkle For Credh Card Purchases It you Mve a problem vJth the prdhy of Property or services that ye, purcheaed with a eredt card and you Mve tried in goad faith to rarreet fire problem whh the mettahem, you may Mve the rigfa not to pay the rrmairiing amem due on tfre pmpe~ry d services. Vou Mve this protemlen eMy wfan the purduae pdoe was mare then 950.00 and the ptxdase yiNS made in your Ikxne state d whNn 100 miles of year maging address. Ill we owyi or operate the rmrtiam, or if we mailed you the advettisdmpm for the p tty or aenAces, N purchases are rovered regerdeaa a} amasm ar ioratim of pudase.) Please remember to sign aN rorreaparidairo. t Dose rot apply ~ eonsrurwi mn-rJadi! card actwunts f Owes rot apply to busirross rwHi-credit uvN accdrva One talpporta Inlprtratlpfl privacy Prolechm: sae tax at www.capitaltata.can. One is a cagy re(Aat~s sa~~m a Zoe afro) errdel Carpafd9an. A1lIl 1. Flaw To Avid A Fttarsa i7latla. ta. trace Period. You will have a miimtm grace period of 26 daVS without firtara dnrge on now purr#neea, new balance transfers, new spade) pxdnses and claw other tltargaa if you Pay Vac total 'New Relative', h arcerdarire with Uie knportart Notice for peymams below, end h rime for k ro 6e credited by your rierr aatenam dosrp date. There h ro grero parka) on cash advances erd spatial transfers h eddrien, there is ro grata period en arty trarisactian if you do rot pay the total 'Now helaraoe.' b. Aaacitg Firanea ~lH. 7rarexYiore vaJrida are not antjeet ro a grata period am asae®ad flranse charge t ) from the date of the traaaetion or 2) from the date the trernection is proresaed to your Actxknt a 31 bocci the first celerdar daV of the axrera Ngirr~ peeled, Adddorally, if ydr rid rid pay the 'Now Balance Fran the previars biging period h fit, firiaricB drergsa Cartirk! to a[x:rtte m Vox aped 6dare ua51 the taipaid balance fe Pdd in fill. Tiffs means tlat you srtiq ewe firerrCB Barges, even if Y~ Pay the stairs New Belarrce indcetad m the ftmt of you statement by the rext atnmterx tiodrig date, but rid riot do to roc the preNers mtnth. lJrpdd flrerice triargas ere edited to the a segrnara of you Aaxara. t c. Mrtrrasr Fiiawv For each bigkip period that your octavo Ia to a firarne large, a miriirem ttxd RNANCE CHA E of 90.50 wig ba imposed. If the trxd firnriee large roatltirfp from the appgradon of yrrr pedo3c ateW b less then 90.50, we wW attract 1Mt arnenr from ttn 90.50 minktam and the dffetaxae wig be 6iged to the purdiaae aepnent ofacmra. 't' d. ~~ not a~ h Fiirrsa We reserve the ppee~~ wryer ell Narks dargea for arty given 2. Avarpa osiy Bafrrna llndrriya Now wdiuasl. a. Rrerxx; datge is rakalated y mutipyfrig the daily 6elaare of soda aegmrsit of your accautt (e.g., rash edsance, purdase, apedd trader, std epode) purdasel by the rorteapdtdrg daily perlodc rate(s) ttat Ms been previe.lelV darJasad to ynr. At the erd of mda day rising the tiYinp period, we apply the elegy pedadc rata for astir eagndt oft your atnoua to the helarra mf each s Ttan~~ erd of the rg period. we add rp daily rakatiatiee to arrive at ceriodc Avarice tiarga for each sapnat. We add rq the resits from each aegrram m arrive et the total periodic faarrro darga for yea acrotra. To gat elite elegy bderoe for each ttoprnaa of your accent, wa take the beginirq belaice fix each rregriua and add ariy view [rsnsecdtkis end anype dude Anenee dierge ndtalattsl to the praviou day's balance for that segment. We than attract any peymeras d credts posted as of that ley that ere allocated to that sagnera. This gives u the aeperate tlagy belarice for eatri segment of yea amunt. Flovvever, if you paid the New Balaroe shown m yax prrsvids aatarnam h {all (tx if your new balance was zero d e credt emauxl. rew traraecrlora vvJridr post ro your purcMse rx spedM purohese segnams are rot added ro the tlagy balances. We celalate the average elegy balance bV addrg aq the daily belarit:as togadar and dvidkg the ailn by tin amber of the days in the asrera higkg cycle. To rakUate your total firerioe large, rrslddy Veu average defy helarioa by tin elegy periods rate acid by fire nectar of days h the taigktg period Due to roadrg on a daily bads, there may be a aggia variarra between dris rakatla[ion ad tin amoua of flranro d.srge acnrMy eseessad. h. l1 the code 2 of N appears an the from of tfrs statement recd to 'ftalarre Rate Appged To,' we rrrrltiply flit ~apita-Q~° I Activate Today! see other great account features and services at www.capitalone.com ®2004 Capftat One Services, Inc. Capital One is a federally registered service mark. All rights reserved. AS A CAPITAL ONE° CUSTOMER, WE ARE PRESENTING YOU THIS OFFER: Save 20°Xo" on a Customized Terminix Termite Plan and protect your home with the Terminix "Problem Solved" Guarantee°" IT'S TERMITE SEASON. TERMINIX'EM. C,a~~,O~s GOLD VISA ACCOUNT 4388-6418-271Cr8845 Account S Previous Balance #687.45 Payments Credits and Adjustments #25.00 Transactions #66.43 Finance Charges #8.34 New Balance #737.22 Minimum Amount Due #37.22 Payment Due Date June 26, 2004 Total Credit Line #700 Total Available Credit #.00 Credit Line for Cash #700 Available Credit for Cash #.00 At your service Te ~ Cuatomu Relations or to report a lost or stolen ard: 1-800-903-3637 For fret online sccentn service and spedal nutomer offers, log on to•. www.mpiralonemm Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Services Capital Out Services PA. Aox 85147 P.O. Bent 85015 Richmond, VA 29276 Richmond, VA 27285-5015 rE~~iwix. ~S ~~ ,- ~~~ 0 O - © / D _~ O / ssaeoo / / ~ / KEY CODE CO7XT02 APR 28 -MAY 27, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 24 MAY PAYMENT RECEIVED -THANK YOU #25.00- Transactions 2 15 MAY AJS F[IF.L ~Y9025 WOX HARRISBURG PA #25.00 3 17 MAY OVERLIMIT FEE 29.00 4 27 MAY CAPITAL ONE MONTHLY MEMBER FEE 6.00 5 27 MAY PAYMENT PROTEC'T'ION 1-888-527-6904 6.43 Il1 i O t1 0 ri I' 171aRCC Clld[~S p1Lf7iL fE[TE'Ll7JL31l~Lfll l7/tp01'tQAI tRf0 ~, Rdmele f~f[ Periadse Cartr~edAq ~ * T / ~ p ~~~ is y6plirdta raft AAPPR Alt(,1~, a ~ PURCHASPS 5709.74 .0391896P 14.3096 1834 CASH x00 .03918%P 14.3096 >ti00 ANNUAL PERCENTAGE RATE applied this period 14.3096 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~~~~Q~ 0000000 0 4388641827168845 27 0737220025000037226 Plrasr Print rnailaeg ad~rm mtd/orr-mail dsayQrs &!om rrsurg blue s blanE inE New Balanct #737.22 Min"forum Amount Due #37.22 Strst Apc M Payment Due Date June 26, 2004 c ty S~ zrP Total enclosed # Home PMne AUmuoe l'Irone Account Numbs: 4385-6418-2716-8845 Email Addten #9014925817229118# MAIL ID NUMBER Capital One Bank DEBORAH L GRAHAM 902 ALLENVIEW DR P.O. Box 85147 ~t~u~ni~~~ns~~n~i~ ~ '~ Richmond, VA 23276 MECHANICSBURG PA 17055-8604 0 ~u~t~n~~ni~i~~ur~r~~n~~ur~~ ns~~ni~~ut~~ur~~ur~~ut~ ° _~ ~nr~~~m~~~un~i~n~r~t~n~n~~n~~uu~n~~~nm~r~u~i~~ Pleau write your arrment number on yrrur chraF rn money order made payable to ~pital One Bank and mail in tlx enclavd envelop Call 1.866.270.3845 TERM/N/X. CUr~• (what's in your wallet?' to order. lYO Bugs. No He&a)es! "Offer valid only on Temtinix purt~iases made through 1-866-270-3845.Offer is contingent upon an inspection of property, state of residerx;e, presence of termite activity and construction type. Inspection and approval from Terminix is required. Valid only at partiftipating locations. Offer cannot be combined with any other offers or discounts. This offer is not valid if you have a current Terminix Termite Plan. Excludes drywood termites. Offer must be presented at time of purchase to be eligible for discount Free termite inspections are not applicable for real estate closings. Offer is void if transferred and where prohibited. Any other use constitutes fraud. Cash value 1 /100 of 1 cent. Offer expires 08/31 /04. ""Home must quality for termite protectron plan and unlimited lifetime damage repair guarantee. Certain limitations, restrictions and (~nditions apply. Refer to the Terminix Termite Plan for limitations, restrictions, terms and conditlons. For details regarding the Terminix Guarantee, consult your local Terminix professional. KEY CODE COTXT02 N~ N~ NNN~ IL NNNNNN~ NNNNN~ r_ t~ t_ t~ 8 o O o rD N periodic rate. To obtain the average daffy balance for the billing ppeeriod covered by thin rtatemem, we take the beglming balance of earn aegrrem each day, add any new trartsacriare to each aegmern, all athtram any peymema er credits. (lf the cede N appears m the lratt of this rtatemem text to -Balance Rate AppNed To; we also athtram any trpaid firtarxx charge ndttded in the balance of each aepmatt) TFtis gives ua the daNy balance of astir aegmem. T1en, we add t~ aN the daNyy hMarxrta far each segmem br the Hlling period all dtdde by the [coal rarrrbs of days m the billing periM. This gtvea ua the average daily balance of earn aegnem. 3. Attnsl raraareapa Rotas iAPHI. a. Tha term -Amtd Paroentage Rate- may appear ere 'APR' on the [rent of this rtatemern. b. H [fie rode P ~tknel, L (3yrto. L1BOFn, C (Certiftrete of Deposh), or S (fienkcerd Pikrtel appears on the from of ttla rtrtemem neat fo the periadc rate(s), the periodc rotes all mrreaparxkq ANNUAL PERCENTAGE RATES may vary t)ttarteriy all may aicrease or decreeee based en the rtned irtAOea, as toted in The Wes Srleef rbrrnel, qua the margin prevlattely AerJosed to you. These derma wfN he effective an the flrrt day of your tllling period covered by your pedodc atatemera errdng in the mamba January, AprN, Julyy and October. c. If the rode D (Prkrtel, F (lyrto. l-IBOTi) a O (3fno. LIBOR Repriced MattNy) appose on the hari M your rtnemem next to tfa pedodc carob) 1M periodic rates all mrteapandng ANNUAL PERCENTAGE RATES may vary memhly and may increase or decrease based an the stated irt6eea, u faced in The Wolf Stzeef ./errrtel, plus the margin pretiotdy diadesed ro you. Thane dartgea will be etfecllve m the first day of you billing period eadt month. 4. Assrurrsrt of Lau, Owritttt acid Re^mad Psyrrrst Fees. Yar orratrs wY he esseeeed ro more then two of the fees Naterl here tltat ocaw during sty ~B Patted. Ilyder tla temre of your aatorrier agreerrtara, we reserve the right to waive a rte to ama® sty fees witlnra pica rxt8flrati°n to you without weiohg ou ~ to sasses the same a aknYer fees rt a titer time. 5.tRsrawitp Ydr Aoosnt. If a msrtbanNp fee appears m the bon of riffs atetement, you have 30 days ban the drte riffs statsrtsit vies msiled ro you ro avoid peyktg the fee a ro have each fee merited to you if you ratml you trtx:ant. OttfiN fhb P°dod, Vat may mrairttre to use you erretra whhou having to pay the membenhlp fee- To renal yar aaaraa, you moat naify ua tn/ reNktg au (]trtaner Relatioro oePannwnt all pay yweti New Balertce- in ftM lexdttdlrtg the ntembetatYprfee) prbr ro rte ell of the tarty-daY period. 8. M You Cbee Ytsr Aooant. Vou rat ragiss to does yar acrnrra bV reakg err Custaner Fiebtiore Uepermtem. Vou moat dertroy yraw credt cerd(s) all emara arms decks, raatel eN prexsMdzed 6NNrg, all ts~ ~~~~you somas. If you do rot cscel Presatndzed brlrlg srterigamsrs, we call mtieider reoeQt of a tiatga your auftMzeden to reopen your amara. AddltioraNy, your amars call not he dosed trail Vou pay aN amass Yeu owe is irtdudirg: arty treteectlare you lave arrtnrized, Ntertoe dargea, past Ate lees, ovetimit fees, teemed paym^it fees, rash advance teas all any odor lees asaeeaed to yrxw aoooutt. Var are resporisrLle for [lase amnrag whether day appear m Your aantra s the ikra you rat}as to daee the a®rrtt a tray are ktawrad atbaegien to your regiES to dose the atxxtun. TNs may rash kt daroae ataaarkto m war arms after you lave if~yott atattori rzed e~ptxt~ra~ from a mercMrx a we e• receive the trstseetlon from the mordent after your eocant tree been dosed, your accent wW he regtsed, the amour[[ of the dtarge w^ he added ro your eocarx, salyeu wYl M reaporal6le for peymsx. If there is e merrtbanhip tae Tor your stoats, the fee wIN eertdrate to he rite~pad~ to the etoent pemtitted by law, uraN rite acmrra helerlce hea bean paid in fuN as daflred above. 7. Ueitp You Ataant.Vtaw nerd or eccetrtt cema he treed in mrractim with any iraerrat gsnbNng trerreaiorr. 9. I/slias Ahatt Elsa6oris tlreok Carivsacn. When you provide a dadr es payrnen, you etalorize u eider to [tae infotmatlon from your dteck to make a ate-time aloctroric itrd trerefer from your hank smart[ a to ptocer rite peynten as a dteek trerestiien Wien vva use kdamatkat free your tlteclt m make st eleetrorie fact transfer, hrt~ may be withdrewn front war bank aooara as aaxt as the creme daY '~ receive wu payment, acid ynu wNl ritx rreoelw yes deck back firm yew Nterc3el nrtitttriort. BILLING RIGHTS SUMMARY Ile Case OI Errore Or Oueatiore Ahern Vour Bile It you think ytatr hill fa wrartg, or If ya, reed more Inloma°m on a vartsactim or tlll, write to tB m a seperne elteet ere seen ea possible rt the address far irtgtiriea shown m the trot[[ of this rtrtsriertt. We must hear Iran you ro later than 80 deryyaa abet tare asn you the first hill m wNrh the error or problem appeared. Yau ten call ere Cratemer Reletiera nether, hu1 doing so wiN not Qreserve your dgMs fn year letter, give us the ldloteirtg miomtalien: your name acct aocoua nether, the ddbr amar» 01 the etgrertied erica, a deacriprim of the error and an m~lanatim, If poealtle, of whyy yttu believe there is an error; er i1 you need more infamatlan a deactiprion of the item you are rrarre shout. Vnu do rot Mve to pay sty amain in grresdm wile we are inveati h, but you are Brill ahN°eted to pay the parts o1 your tMt are nal in Qesrim. b voe Investlgefe your gtreatien, we taste repro you as delirt4tent or take any action to celloct the amnm you giaation. I,t Sptldal fide far Credit Card Rrchesea Ii you have a problem with the palhy of property err seMas that you pttrcheaed tstdi a credt card all ya, have tried in good faits to Decree[ the problem vtfttt the mertiam, you may have the right not to pay the remaidng amava due on ifre property or fervfcea. Vou have this protectlan ally wAien Mie purdraee Drive was more then 050.00 all the purtiase was made in your bane state or within 100 miles et year milling address. (lf we own er operate [fie meniarn, or if we meNed ynu ifs advertisamern for rite p ny or services, aN purchases are covered segerdesa of amour[ or bcatlm of pucheae.) Reese remember fo sign aN mrtesportdatce. t DOeS rldt aOPN to mrlaurrer roe-rreAY card accauws I Qoes rot epp/y io butia.4s non-credX recd acrarrtrs One st~porta information privacy prolectim: see air at www.captalara.cam. Ora is a federally ,e~sterect service mark of Capital i^tdal Corporation. A71 tigfita maerved. ° 2003 One OILOLBNK i's. Graoe Period. Vtat wfN taw a midmum grace pedad of 25 days wlthttu ffrtstce dterge on coca putdeses, new babrtra trerefsa, new spedal ptrdtaaes ell new etlar riargea if you pay ydw told -New Balance-. in accordance wilt the kriportstl Notice for peymsaa below, acct N1 time for h to M credted try you text rtatemera riosrtg date. Them is ro grace period an cash advertces ell spedd transfers h addition, theta is ro grace periM on any trenaectien if ytxt do not pay the totd 'New helsaa.- b. AastNti Filsae Ot>.ye. Trertsactiaa wtitit are not stltject ro a grata period em assessed firerxe Berge 1) frmt the data of the trseacdm er 21 tram rite data the transaction is proCesaed to you Arxxtrrit or 31 from the firs[ celeriac deV of the scree biNirtp AddhiaaNy, if you did rot pay the 'New Balsas the pteviaie ItiN"rtA periM in ft., frwtoe dtetges mtafrtrre ro amnc to yax urperd IaNertre uaN the utpaid belerre is paid in kil. This mean tfet you mayy sliN owe firtariee dtergas, ever rf you pay tie wire New Belstce ktdiceted m the frax of your setsnaa try the neat rtetemsa riesitg date, Mr rid rot do to for the preNata marsh lhpald flrertra dargea ere added ro the appNr~hla segmsa of you Arrant. t c. MFknm Fivsae Otsye. For earn hiNirg period that your scorn[ is at6ject ro s Ntstce dtarga, a mktinnm tool RNANCE CrHgPe.RGE ofrg00.60 wIN heeppilimrp~wed. It twheu odic Bret (a1 tats bas then AO 50, ova witl at>~mct trot errant from the 00.50 trtitittarn srtd the 6ffersaa wiN he tilled to the pudsae seprtsY of yaw axarx. t d. Tartptrary ReAMf^t Yt Rttstae Otsya. We reserve tie bdi~irYgto rot asaass sry er eN fireraa dterges for any given 2. Averapa Wiy BaWws (~to1~da~p New WdrarL a. Rraraa barge fa relra~ated 6y rnrltiplying the daily baance of Oedt 89Ai1a1t Of your aemtrt le.g., caafi actuates, purciesa, apedM treretar, all apedel ptxdeael by the sarrasf~ordrq detly periodic rete(s1 that tea teat Preriotrly dferJoeed~to you. A[ the end of earn day Aakg rte hiNirg period, we °PWV ~ ~V Pario3c rate for eadt soptten of your errant ro the deilV belaroe of each aegiten. Then rt the ell of the tilting period, vre add tp the reaps of rheas daily relaletiae to arrive at ydtr periodfe Nterae large for astir aepnsa. We add tp the retie from osdt aegnerx to arrive et the total pede6e Marta darga for you smara. To gat the daily belara_e for sect[ aegntera of you amen[, we take the heginirtg balsas fa melt aegratt ell add arry new trereacdens acrd sry dais Novice titerge relaieted an the preNwa day's f~rta for that aegitsa. We than atlhtram any peytrtsas a credits posted ere of tier day that em alkretM to flat aegnetY. This glues us the separate daily balera:e for snit treprrsx t>< you neater. However, if you the New B°lattce aMwst on you prevlae setemen kt (or if year raw belartce was zero a a credit snarx), coca trsaactiaa vvltidt pos to Veur prudase er apedal purdisae aegmsas ere rot added ro the deNy helartees. We rekilare the average MNy Ys~lartce by addng all rite daily helertae togedter all tivldrtg the set hY the [amber of the days in the nrrirs hrNirg cycle. To celalete yaw teal fmsrta darpe, war average daily hekar>e by the daily periodic rate all the ember of deye kt the brNirg periM. Due ro ranrirtg an a daily tams, there may M a slight varieraa between this calaiatim acct the amara of firarta derrge ataaNy assessed. b. Ii the code Z or N appose m the hint of this natemera text to 'Balsas Rate AppFad To,' we mtitiply der 10273M Ittpartatl Iislioe: Paymems you coati to ua will be credited to your arxaurn as of the buelrteea day vice receive k, Provided 11) you sand the [amen portion of tits elatemem all ytXU deck in the ertdoeed remitlsxx envelope and /21 Your paymern is received in our proceseirtg comer by 3 p.m. fT (12 nowt P17• Reese allow n lean ive 15) btrelrteas dsya far pond delivery. Paymema received by ce at arty otler location or in erry oUar brtn may not be cedted as of tla dervy we receve [tam. Our buirteaa days are Manley thrw~i Sadwdeyy, exckafng hafdeye. Reaae do not use staples, paper dditppse etc. carton Prepadrtg wu pa em. When You arrtd ue a titecklal, You autlwrize u to make a eta-time ebctrortic trar^1er debit free your bait aaarh br the amara of the dteck.'THs sudorizadm applies to all diecka racaved durirq the bNNrg cycle even if aerrt by sameona elae• If we carrot Proce>n the tranater, yw authod:e w to make a charge agairtat your batik accatrtt trairg the dteck, s paper drab or other Item. Over half a million children need your help. On any given day in the U.S., over 540,000 children are in foster care: They A small financial donation can make a represent every background, culture, circumstance and age. What they have in big difference. In fact, just: common, however, is the need for caring, supportive adults in their lives. . $~ p0 provides a child with his or her That's where you can help. first bicycle • $50 buys back-to-school supplies for Capital One® is partnering with the foster care community to raise awareness and a 6th-grader ask you to join us in supporting youth in foster care. There are a number of foster • $35 pays fees for a child to participate cart programs and organizations in need of assistance from people like you. in afterschool programs To learn more about how your support could help change a child's life, Call Capita/ One toll free. 1 ~ 8 O O ~ 81 9.2 2 2 2 We'll send you a FREE brochure that has all the information you need to get started. Cs'ip>i1"d1O~'1e• There are half a million reasons to get involved. One phone call is all it takes. Call today. ~-g CommuMty ~~ ~~Corps C e7~~~i1e' I what's in your wallet?" $men'r Ad~sian and Fn:rer Care Analytic Repnrting.Syurxe dam ruhrnintd for FY2fX17. G e GOLD VISA ACCOUNT Capital ~t 1 MAY 28 -JUN 27, 2004 . 4388-6418-2716-8845 Page 1 of 1 Account Summary Previous Balance 5737.22 Payments, Credits and Adjustments 150.00 Transactions 112.17 Finance Charges tB.93 New Balance 1706.32 Minimum Amount Due 121.00 Payment Due Date July 27, 2004 Total Credit Line 3700 Total Available Credit 3.00 Credit Line for Cash 3700 Available Credit for Cash 3.00 Atyoursen9oe To aB Customer Relations or to rtpert a less or rteltn card: 1-800-903-3637 For free online account service and special aixtemer effera, log on to: www.capitalonecom Send payments te: Send inquiries to: Attn: Remittance Processing Capital One Services Capital One Services P.O. Boz 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23255-5015 Payments, Credits surd Adjustments 1 24 JUN PAYMENT RECEIVED -THANK YOU t50.00- TtanRactions 2 27 JUN CAPITAL ONE MONTAhY MEMBER FEE 36.00 3 27 JUN PAYMENT PROTECTION 1-688-527-6904 6.17 On any given d ay in the U.S., over 540,000 children are in foster care. Now, you can join Cap'sral One and hdp etLave that these children have the rare they need and desetve. There are a mtmher of foster rare programs and organisations nationwide in need of assishattce from people 1'tke you. Call us toll free today at 1-500-819-2222 to learn more about how a small financial contribution can make a big difference. i°'Impottattt NoticP•' Yow acrnttnt trans have been adjusted as previously disclosed. All other terms and conditions remain in full force and effect Finance Chatges Pkarc ter reverse rids for:m~rtant infar7safiors Ralaanraft afflirdto Pnti~c Conetyoadng ~~~ cafe AAPPR `- PURCHASES 3735.30 CASH 3.00 .0391996P 14.3096 3&93 .03918%P 14.30% 5.00 ANNUAL PERCENTAGE RATE applied this pctiod 14.3096 • PLEASE RETURN PORTION BELOW WITH PAYMENT Capita~Qng• 0000000 0 4388641827168845 27 0708320050000021001 New Baburct 3708.32 Minimum Amount Due 521.00 Payment Due Date July 27, 2004 Total enclosed 5 Aaautt Number. 4388-6418-2716-8945 A'rareP"'"f availing adorn and/or rmarl dimrges brlavu acing bfscr orblar,E ixl: seat Apo ~` G,.y Sm,e ZIP Home Phone Alaanam Phone Emil ~ #9017925817229115# MAIL ID NUMBER Capital One Sank DEBORAH L GRAHAM P.O. Box 85147 ~~~nm~t~~~nt~t~rr~ ~ ~ 902 ALLENVIEW DR c'' MECHANICSBURG PA 17055-8604 Richmond, VA 23276 ° ~ ju~t~n~~nr~t~~nt~t~~n~~ru~~m~~tutn~~t~n~~ur~~u~r~ ° '~i ~ru~~~rn~~jtut~t~u~t~t~u~u~~u~~uu~u~~~mn~rju~t~~ Plrare vurite your auaunt numbs on your check or money order made payable to Capital One Ban.F and mail in the enrkued enaulape. r Z S r ~~ 8 O O N pp~e_node rate. To obtain the average defy balance for the hillk~g Period coveted hV ttla srotrmem, we take the begirasrg balance of eats aegnerrt earn day, odd any new trorracdore to earn anent and rMroa arty peymema or credits. (li the code N appe~ srs an the tram of ttis atnemem non to 'Baance Rate Applied To; we dao rbtroa any rrylaid [recta Merge klduded in the balance of eats aepnem.) Thin gives ue 1he daily helanoe of eats aegltem. TVien we add rq eP the daily hderrsa for eats aegrnem for rile tlNing period and dude by the fad rasnltar of days in rile tling period. This gives rrs the average daily balance e1 eats aegmen. 3. Arasrl Pier*apa RaNS (APR)_ a. The Corm 'Artnd Percerxege Rate' may appear ea APR' on the trap of this statemem. b. If the coda P(Prime), L (3-tre. LIBOW, C (Certificate of Deposit), a S f8ankcerd Prime) appears en the Trott[ of this stnemem non m the periedie rate(s), the pedodo rotes and Correapofldltg ANNUAL PERCENTAGE MTES may vary quarteriy and may increase or decrease based on the dated kl6rna, as ford in The wan swear .branel, plus the margin pprerewamly dadaeed to you. Tfleae chenpea tvN rte e}femive en the first day o1 your tlNing period covered by Your periodc datanem erxfrlg in the manha January, April, JJyy__a~rd~~October. c. If the coda D IPrkrw), F (iirlo. LIBOR) or G (3Kno. LIBOR Repriced ManNy) appears m the hart of your datematt next to the pedode rated, the pedodc tutee and correaparrdrw ANNUAL PERCENTAGE RATES may vary mantly arrxWf may increase or decreeae based m tM stated irldees, as tastd let The Wad Street .Tacna/, plea the margin previady 8sdoged to you. These dlarlgea WN be effective m tlw first day of your tlllirg period eats march. 4. Apasrrrt of Lrtb Olwirrrt rd Rs4artad Payrrwa Fssa. Your acreun tvq be aeaie®ad ro mac than two of tfw fees aged here flat omX daktg arty hiairq perfaL Under rho teens of year aatorrler agreatlart, tee reserve the right m waive a not to assess any fees withaa pia rlodRratlarr to vtidrols vvdtrktg our rfgM to assess the same a aimiar a[ a later Pima. 5. Yerr Aosaut. If a memberohip fee eppeero m tM tress of this statemas, you Fave 30 days tram rile date this uatamen wee mailed to you to avoid Devirl9 the fee a m Mve rrh lea rndhed to you if you rertcel your amaatt. Dlakg tllis period, yet[ may rerdntta m nee yeiu amass witltax Mvirlg to pay the membership fee. To rertcel you acman, you mud ratify ub by raig nr (]zatarwr Rdedorn Department and payya Now Belartce' in fill (exdlydrtg tlw merltberali'RiuTee) Prior m the era of the thirry<lay peeled. 8. N Yau Cbp Yar Aamus. Veu ran regrreat m doss yya~~rtr arxwrss by rairg otu Qrstemar Retatierr Deparmlen. Vou mrxt destroy yar cradt cemld and aocasrt access dlecla, rend ae prarslnrized hYlirtg, and cease your amorm. If you do cot renal pmetMwrized artarl~rrwnro, eve ttif mraider recdPt of a Merge ytsr atatwrixatian m acoasn. Addtlorafy, You eocetan lniN not 6e rimed usi You PgY ai amasas yaxr owe ue krAdrtp: any trartsacdorta You Mee autttorized, tklrlre Merges, pad Ala fees, ovedkrit fees, retracted peyntertt flees, each edvarlre fees 8rld arty elhar tees asaeued m you eooass. You am reapaleltle for rheas amass atwitter they appear on you ecoant M the dale you repeat to dose the access a they am irtnared talleepraro to yar repast to dose the aeeortrs. This may cosh in dlergae eppesrkg on ytas amass akar you Mve yorr etmtnt it it rtes Broady been dosed For elomple, d you ardndzed a punrisse fmm a memMa erd we receive the trorrecdan from the merdarx after ynur atretnt hoe been dosed. Yotu scross wiN M reoperwd, the amass of the drrge wi be added m your acr~int, amnd your ~ ras~paraible for peyntent. If there ks a enba yax amass, the tee wits rarrtkete to f>e rdtergad, m the oxen[ pamtitted by low, tssi the acmax artce bee been paid let full es defined above. 7. Udnp Yoe Aooast.Yaur card or accent rotator he used let rerrrtacuert wittl mV intemat gar176fng trarasMon. 8. lirsiss Abet flsstrarris drank Oarlvrrrsarv. When you tameirerom~MterK, you authorize ua eidwr m deamNe ford troref~hemdwck to rreke a erto-tirrle 1>tncesa the ppeaynwrs as a Me~k treoeect~'mn~Whont vvs rata information iron your duck t0 make an deerrmic [told transfer. Turfs may be Wthdrnwn Trap your bottle 8[mllr 8a 80or1 ea the Seale day WB refaiya yarr peymatt, and You evil rte receive yarn t3wck hack firm gout iklrtHal irtsdttaien. BIWNG RIGHTS SUMMARY IM Case Ot Errero Or Oueatlar Alan Vaur Bile if you think yea bib is wrong, a if you need mwe inbrtnadan m a traraectien or hill, write to us an a separate sheet as [coon as poee~le n the address for irlpiriea shown m the from of tiro statemem. We moat hear ban you re later flan BO dayysa abet we sera you the first tlfi m vtliiM the error or prodem appeared. You can call our Cranemer Rdniore rsanber, but ddng so Wf not preserve your rigMa M year letter, give tin the idklwing inbmlatlm: year rams and somas nether, the dolor amain of the atryected error, a description of the error and an explanafim, if pceaible, of whyy you believe there Is an error; or if you read more intomatlon a deacriptim of the hem you are urutwe about. You do clot have to pay any emoum in µ~eation w)ie vie are inteat)getx~p h, but you are adq ahipated to pay the parts of your hiN tMf are rot in queatim. bylile we knwtlpete your 4ieatian, we corals[ report you as ddirtquem or take any eaien to cdlect the amoran you questim. t,t' Spaial true For Credit Cartl Purdaaea It yet lave a pratlem whh tfw quality of property or services thM ynu purdased with a trod[ card and you Mee tried in good faith m correct the pretlem with the merdlarn, yew may Mee rile right tai to pay the remeirllrlg amain due m the property a service. Vau Mve tfis proteetim edy Wren the purchase price wsa more dart 950.00 and Mle purchase was made in your home ante a Wthin 100 miles of your meifing address. IIt were own or operate the trercMm, or it woe mailed you tM advenisanem br the property or services, all purMases ere covered regardeas of amorart a krcation of purcdase.) Reese remember to sign ell mrreapatddlce. t Ooea rot apply !o consumer non-rledt card acmurtts t Lloes not apply t0 dtstirRYa MA-r~etla /e/U aCCdY71s One supports intounatian privacy prmectien: sea cur aced service mark of Capital riglrta reserved. a 2003 OILGLBAK '~'a. f#aoa P~fod. You Hill have a tninimun grace period of 25 days vritttors frtrlee darga m new purtlteaes, new belartca transfers. rew sPedal purchases end rew ether charges if you pay ytxu ford 'Now Bdarlce', in andnbmere ~ d m M c bye ~ PaVmaMa below, cloatg ride, There is ro ~ce pened~art ~dedvarxtes and spedsl transfero. M adddm, there is ro grece period an arty troraectkn if you do not pay the tool 'Now bdanre.' b. Aearirp Fitrlaa Clraya. Trarmactiar whits era not meet ro a grace period are assessed Brenta dterge 11 from the date of the trorwactiort a 2) from the date the transaction is processed to your Atxass a 3) from the first eaMlder day of the amen[ 6)Ning period AddtiorWlY, if you did rot pay the 'New Belerre' Fran the previota bring period in fuN, flnrtce dtargps r:erldrrue m accrue to your uryaid belartne ras)I the rapdd belarlce u paid in fUl. TTas meere thM you may adN mve faience Merges, even if Von pay the attire New Balance kdiceted m the front of r ai do soe ~ try me non statemem cloahtg date, bu rid ere added to the PCB ~~ lxpdd firertce Merges 'r'c. aifrlkrarn Fildleagl Fo~ndt N Y~ Arrnrs ng period that your errernt is stbjact m a fktarre Barge, a mirlrram tad RNAN(~ CHARGE of 60.50 wolf he Mnpaeed. K dw told Ikrrxv Merge re~anp ham the appkcaaon of your periedc rste(e) ie leas tlxn 30.50, we wiY a6trect that amass from the 90.50 nrklkrrlm end the difference wNl M bYMd to the pradase of your amour[. td. Tartpruary Rsdtaliat kr~a Oilopa. We reserve the rill[ mQe~ ausu arty or as flrervw dargas for arty even 2. a h~q~~ ~Bal~ ~f~Mdrlu NnlsMdra~~ ~h~Y belertce of sets saAnax Of your amass (a.g., cash advance, purdase, apedd trortsfer, and apedal purdase) by the daily periedc rate(s) that hBayy~een ~Ure hilirlpy~ AtdV rile daily pedodc ate ter~aed~i segmen of your arxwun m the daily 6elerlce of eats oi'meae eaity °aaaratn~ran u el'MOrd a, ~ytK~,r w pedodC firartce charge fa eats segmtas. We add tp the restJro trait sets aeAners m emve at the told periods Rrtartre dtarge fa ytxu eawrnl. To get the daily bdence for eats segnlax of your acmes, we take the begirriktg balance fa eats seglterrt end odd eernWy crew trorleactiere end anY periods firterlce Margo relalated on the previas day's bdarrce for that segmen. We then sttaract arty payments a credta posted as of flat day dot ere dlormed to flat sagrtart. This gives rat the separate defy bdanca New Balerlce ofof ~ r acmrn. I-bwever, if you Arid the your preNar sxatanalt in fdi (or {f your new balartrs was zero a a cre3t amass), new trortaeaiata whid poet m you purchase or apeeid cpatlal eat thege daily bdartce by addrg b~al~ences.rlWe balarrea together and Avidirlg the set bV rite narrber of the days in the cunsrc 6iirtp cYde. Te rdnlde Van totd Mlanoa Merge, rtaldpl y ytxrr average dilly LWarre by t)te daffy panoac rote and by the nmbar of days in the biiktg period. Due to raaldrlg on a drily bads, there may M e sR{/s vedrre between this mkaladm and the amasr of finance [barge aerially assessed. b. If the node Z or N appeaa m the trait of tHa datemers clots m 'Bdarrce Rate Appied To,' we mrhidV ore i atrarm Irtprtas Nstloe: Payments you maN to tr wiR M created to your atxoun as of the buaneas day we receive h provided 11) you aaW the bonam portion of thh datemem and your Meck in 1fw erwleaed remittanoo enveiape and 12) You payment is received in au proeeagng coder by 3 p.m. ET 11 ~ twat FT). Reese eiow at Beal fee 15) hrttrww days for posul defvory. Peymema received by w at anY aUler location a m arty other bmt may not 6bee created as of the day we recdve there, par blakbae days are Monday thraryl SaturdeV, eradrdng hopdaya. Please do cwt rra aroplea Asper dI'pa etc. when preparing Pots Pa ern. When you send us a Heckls), you aWwri:e us to make aorta-time dectrorlc vareier debit ban your hank ~c iourrta ~r ~ of the dwek THs autlwdzatian applrea to dl dxicka received during tfw biting cycle even If son by sameaw else. If we carrwt proeeas tits traruier, yw authorize rge agdrrt your bank amarn utrp tfw duck, a paper drab or other ban. CM~i ~~~~e Account S First 3 months half-price a ma,tn; ~.95/mo. tttereafler SIGN UP TODAIR 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral Previous Balance #70832 Payments, Credits and Adjustments 142.00 Transactions 111.98 Finance Charges =8.34 New Balance =686.64 Minimum Amount Due 120.00 Payment Due Date August 27, 2004 Total Credit Line #700 Total Avai]ahle Credit ;13 16 Credit Line for Cash =700 Available Credit for Cash 513.36 At vour service Te crB Customer Relatiora or to report a lost er atolm nrd: 1-800-903-3637 For free online account service and special aatomer offers, log on to: wvc~v.capitalone.com Send payments to: Send in¢uries to: Attn: Remittance Pr«vssing Capital One Services Capital One Services P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 GOLD VISA ACCOUNT 4388-6418-2716-8845 JUN 28 -JUL 27, 2004 Page 1 of 1 Payments, Credit.4 and Adjustments 1 26 JUL CAPITAL ONE ONLINE ACH PAYMENT 321.00- 2 26 JiIL CAPITAL ONE ONLINE ACH PAYMEN'T' 21,00-. Transactions 3 27 JUL CAPITAL ONE MONTHLY MEMBER FEE #6,00 4 27 JUL PAYMENT PR01 ECTTON i-888-527-6904 5.98 Firlartce Chatge8 Pkarefarev~ernridefor impnrtarK isfarnratiwt ~ j;dmtrrra4 Pkriodr Cartspmrdiag ~~CE ` of ftiedto rye .~~ppR G E ~ P11RHI-IASBS 5709.75 .0391996P 14.30% :9.34 1.00 .05477%P 19.9996 X.00 ANNUAL PERCENTAGE RATE applied this period 14.3096 PLEASE RETURN PORTION BELOW WITH PAYMENT C`.t~~~~ 0000000 0 4388641827168845 27 06866 40021000020005 New Balance ;686.64 Minimum Amount Due :20.00 Payment Due Date August 27, 2004 Total enclosed = r -~ Aoowutr Number: 4388-6418-2716-8845 A'i~r Print mailingaddxsx mad/ore-nra~t dAmgxs brtea rating btur a bte„t irs~ spat ,~,t City Sm~e ZiP Home Phone tsLmnte phone ~ #9021025817229118# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Box 85147 ~~~uru~r~s~u~~~ns~ ~ ~ 902 ALLENVIEW DR Richmond, VA 23276 : '~ MECHANICSBURG PA 17055-6604 m ~u~s~n~~ns~r~~u~~s~~u~~ns~~nr~~nnn~~r~u~~nr~~n~s~ ° ~ (ns~~~us~~~un~r~n~r~r~u~n~~u~~un~u~~~nnr~s~n~s~~ Pleare eurite yrrur acount nsrneber an your cJx~k m money order madrpayable to Oita! One Ban.E and mail in tJx enrlasrd rnxulalie. ooa peoplepcTM online u Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up Blockerr"" Spam Controls Smart Dialer 4~ Phisher Security f~ Internet Call Waiting r peoplepc~ online u Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral 8 N PeoplePC is solely responsible for this offer, and is not afftiated with Capital One. Capital One does not provide, endorse a guarantee, and is not affiliated with, any product a service shown t>ere. Any trademarks mentioned herein are soley owned by the respective entity. All rights reserved. By responding to this offer, you may be communicating information about yourseH to the company that provides this product -for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months of service are billed at $4.97 a nwnth; $9.95 a rranth thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not tx redeemed with any other offer. Offer subject to change at any time. Ptrone technical support available for $1.95 per minute. Fa qut)siions, call tdl-free at 1-888.5TRYNOW. Service rid available in all areas. Access tees. taxes. and fiber fees and restrictions may apply. Telephone tdl charges may apply, even dieing trial perbds. You are responsible for dt><erminkg whether a call to one of our access numbers will result in telephone tdl charges. Access may be limited, especielty during times of peak usage. Dial-t~ numtters may be changed at PeoplePC's disixetion. Continuous use subject to tKneout procedures. Ali use is sut>jed to PeopfePC Online's Services Agreement and Acceptable Use Policy S6K is the maximum speed of service; actual speed may vary. 0 2006 Pt)oplePC Inc. Ar Rights Reserved. PeoplePC Online and its bgos are registered dadtimark9 of PeaplePC in the U.S. and other countries. ®2006 Capital One Services, Inc. Capital One is a federally registered service mark. AI rights reserved. pedock rate. To ahrain the average daily balance for the billing Period cevered by tFtia natemaM, we take the begimng balance of eadi aegmem earn day, add any new varreaceara to each segnak, and sbtrad ant/ paWtema or eredta. Itt the code N appears en the trerrt of tHa atatemem ran to 'Balance Rate Appaed To," we also sbiraa any unpaid Nnerra large irrhrded in tfa belarrce of eadt aep~~em.) TFid giwre ud the daily balance of each segrnem. Then we add tp all the daily balances for eadr segnem br the hilNng paled and dude by the tore! nrmber of days in the Lilting paled. TNa gives a the averse daily belarta of path segrnart. 3. Arssrsl P~o~taW Rata tAlrltb a. The term 'Anarel Percersege Rate" may appear as "APR' m the tram of this natemem. b. If the ride P IPrinel, L 13-mo. UfSORI, C (Certificate of this said retA m me oe~odc~re(si ~tne pfed~edcf retea and corte~ng ANNUAL PERCENTAGE RATES may vary gtarterW and may irtrxease a decrease based on the elated rrtdras, as tared in The Wad SVzaei Jaanaf, plus the margM pprreetaady dadased to you. TTaee da wiM be eftecdve m the first day of year lilNrg pedal covered by your pedodc natemem errdng in Ma merrere January, April, JJy and October. c. If the coda D (Price), F 11 ino. L1BOR1 a G (3nro. L100R Repriced ManWy) appears m tfa fratt of your aretemem nee to the pad c reels), the pedede rates and correapadng ANNUAL PERCEMAGE RATES may vary meetly and mat/ Increase a decrease based m the stated indeed, as read h The wee Srraei ..lama!, qua the margin previoudy dsriesed to you. These charges will be effective on the srdt day of you Nllinp pedal each month. 4. Auaanart tM l.tts. OvarNmt ud Mdmad Paynrst Faa. You arrant tMN bB eaeaead m rode tltat two of tfa Tees Noted Fare Mat emu dsitg dry hiMirtg period. Urtdar the tame of your natmar egrearnent, role reserve the ngM to waive or rot to ease ant/ lees wiMtaa wkr rotteration to you tNlMtotu waltrkg as ddtt to assess da same er smNar teas et a later time. 6.tRrteeArrg Yur Aasaat. If a memlareNp fee appears m the front of this statement, you have 30 days tram the date this atatertters was mailed to you to avid peykg the fee or m have stdt fee credted to yet if you cancel your acnotnt. During tlis perod, You mat/ mttlata to rare your erat111t tNNftat MVir1Q t0 DaY the membereltip fee. To rand your eancrn, Y~ crater rot)fy u by raNsg rtu Qrtatter Rdatiere Deperottent and pay New Belarrce' in fill leraiudng the maWara~ pu/ee) prior to the eM of the thirtyday paled. B. M You CJasa Yar Aooaart. Vau can regrast to dose apcart M rdWg eta Qtaomer Flabdaa ~pertrtrerx. Vou nxtat destroy you credt cerds) and acxarart amea decks. rartrd aw presritoA:ed hiNkg, and cease ~Irp War n®ratt. If you do rot rartcd pmauhodz hiNirt9 arran9s, vue vtNl oorteider receipt of a dterge ya,r attrhaizetlon to reopen yyoouur aemrutt. AddtioraF/, Vau amass twi rte be dosed urdl yet pet/ aN smasxs you owe ua irtdrdrg: arty treraeaiora You have ecsFolzed, flrrertce drergea, past da fees, overWrth fees, carload PBV~rr fees, cash advarra fees and any afar Twee eserad to yarlr amainn. you are reaportdNe for these amass vuhatter May app~r rn you errant m the ems you regtaa to dose the acrntrn or they are inarrad slae¢ant to yoru regaa to dose tla aclrotsr. This may resit n dramas appearing m Wu aomtar aker you have your arrant if k lra Brady been dosed Far example, If you atNadzed a purt3taa free a nrerdrars acrd we rerdve the trerra:tlm from the merdtsrt after your acrasY lac been daead, yatr emtunt wW be racperted, the errant of the drerge wW be allied to ydu eccatnt, and you will ba resporrhle for paymers. H Mara is a manhardrip fee for you arsaas, Ma fee wiN eerxixa to be charoad, to tla ewsrt pemitted by law, rzaN the araxss rxa has bean P~ kr f~ ea leered above. 7. Uaira Yar Aamnt.Yeur card or accent carnet he M rartection with any irsema gambling treraacMare. n. NoHss Abut Elspbuio CJrsdk Oartvraorr. When you provide a deck a peymers, you artfrodze ua cedar to use inMrmetkn from you dtacJt to make aura-tiros eledraic fund tranaMr frertt year frank afY:orM or to Ixocea the Payrrartt as a leek trareaetion. When we tine informabon from You lack to make an electrarie find trerefer, tads maY he tnAMdrewn from Your beNc amass a teen es the creme daY we receive paytrtertt, and you will rot receive your dark beck free your fnarrial iraMnrdon. BILLING RK)HTS SUMMARY tin Case Of Errors Or Qrsatkrre Abota Vwr RIIO It you think your hiN is wring, er if you reed mom InfpmaMon on a trarractan or hiN, write to rs an a acyerne sleet ae aeon as pae161e et the address for inqudea dFtovtn m the free of Mris sretemad. We moat hear hem yea ro later than BO de after we sad you the first liq m whrh Mte error er problem appeared. you ran call tfur Customer RelaMoro ntmher, lad htirtg se wiY not preserve your dghre. In Vuu letter, give us the tdlewing inbmtadan: you came and acrosk ember, the doNar ameum of the sr~ected error, a deacdpdm of the error and an et~laneMm, if peaihle, of why you believe Mare is an error; or i1 you creed mere inbmatron, a dacdpdon of the ken ya are arrears about. Vou de rot have to pay arty amain in queadan wtie we are krvastigaerq rt, but you are sell abNgefed to pet/ the Parts a1 your hNl that are rot in gstatim. While wa invesdgeta year grratim, we snot report you as delirt¢rerrt er take any action to cdlect the amain Yar question. t,'r Spedal Rule Por Credt Card ILrdtases It you have a prahlem with the cFtaNty of property or services that you purdaaed vJth a eredt earl and you Mve fled in good faith to correct the problem with Ma merdam, you may lave 1Fa Mght not to pay [Fa remaining ameuM Ace on the prope~ry a aer»ices. You have IF:s proletnim oNy wfan Ma purdase price wee mare tfvn 960.00 and the purchase wee made in year hems state er wltlYn 100 mNea of your meilirg addrea. 111 vve own or eperete the merdtern, or it we mailed you the adverkdanem ter Mre ProPertV or services, aN purdases are covered regardede of amarn or IeraMan of ptudteae.) Please rerttanher to ago aN eorrespendertee. t Does roi apply to ransmrter rorrcrertr ra, d acrowris I Does not apply ro basiness ran-credit lard acmrnts Capital One sttppona intamatian privacy protection: ace au webaite at wvwv.ccaappultxle.can. Capital One Is s ladareay stared aertice mark of Capital One Hrtartaal Corporation. /UI ri¢rta reserved. a 2003 Capital One 01 LGU3AK 1. lbw To AvaN A tlraa Oterya. t' e. Qsea Padod. Veu WII love a mirrmun grace paled of 26 days witttas Ikrertce dtarga on ratty purrheea, rew balartce traafare, rew apedal purdteaea and new mbar Barges if you Pat/ Your total "New BelarrB , in aemrdarra with the Nnportant Notice Tw payments below, and in era for k to ba aedted by your ren aatemers doektg date. TFtare la ro grata paled m rash advartoes and epedal trarefera. In addition, there is ro gram period m arty treraect)on if you do rot pay the teal 'New talartra.' b. Aonuip Fnaaa tlnrga. Trertaactiare which are rot subject to a grace period are asaessad htatce dtarge 1) form the date of da trereacuan a 2) from the data Ma traraaction is processed to your Acsecas a 3) frorrr the first ralader day of the alrrerx NNing Period AdditiorailV, if Vou rid rot Pay the 'New Bdaxa' free the Previas bNlitg paled in fuN, rxtertce Barges cerskae m atY:rue to your tstpad belerxe tare! the urpsid belartce u paid in full. This meara that you may sriN owe firtartce dtarges, even if you pay tla entire New BeMrtce kdcated m the frrax of your sreterrtent by the ran statentas dosing data, brt rid not do eo for the previous aroraft. tAtpdd firartce dtarges ere added to tta applicable segment of you Acmatt. 'r c. Mitirsen Ferrara Qt~ga For each hiding pedal that your sccotnt 6 srbjrxx m a flrtarce dares, a mkimcm total HNAIiCE CHARGE of 50.50 wiN he imposed. H the total iktsrtce drarge resritinp front Ma eppNr~tien of your peledc reteW is leas than 80.50, we wIN e,btrect tfat ernatas from the 80.50 miirum and the dfferaoe wiN to filled to tfa pcudresa segnaM of your aooaax. td. Tanpaary Radralior is fktuaa OurOa. We reserve tfa dgtrt top~n!ot~a~~e~s anY or M flrartrs dar9as for arw dvan 2. A bvrapa~g tart/ BWroa fkwYaito New Plrolraaasl. a. Rnartce dtarge is calatleted y mrlMptying the daily belarxa of eadt sagners of your axant le.g., ceah advance, purdase, spade traabr, acrd apeciel prnYaee) ~ by Ma corra>Qadcrg daily Palodc retelsl Mat hea been prevlaely dadoaed to you. At the erd of each day Aakg Ma NNirg Period, we aPPIY Ma deNy Pariodc rate for mdt aegmers of year senor to the de~lVy balara of aedr segn'rars. Then M the erd of the hiirtg period, we add tp Mrs reaps of Mdse daily rakxtlatiera to eniva at pelodc litatce large for each segment. We add rQ the ras/ta from each segnatt to arrive a[ the tote) perkxic firartce large for yar arrant. To gat the daily Faience for each segrtartt of year arrant, we take tla hegirarkrg balance for each aegnert erd add emrryy raw trareactlare ad any ifrartce large rdeJated en the prevfats day's for that aegttertt. We then shtreet any peyrrtersa a tasdta pasted a of that day that em dlorated to that sagttat. T}ra given ue the separate daily balsrrce for eadr segment of you armor. However, if you oeid the Naw Belarrce shown on you preNats stetanar b 1 (or if you rew balatce was zero or a credt armarl, row trarractiorre whirit poet to your purdase or spedal punitase sagntertn are trot added to the daNV 6alarca. We rdalare the average deny heWtra by addrg aN the daily balarrcea togaMar acrd dvidkg the son by the ember of the days in the arrrerr hNktg eyrie. To rdatlae year teal flrartce charge, mrldgly Vau average dasy balance by tea lacype dodo rate end by Ma camber of days in the biNkg pedorL Due to raatdrg on a daily Lane, tFrere may be e srrgFtt veleta between rtes celalatrm and the anent of finaraa darpa ecnally eaeaed h. 11 tFa code Z or N appears an Ma trawl n1 tNs sutemertt text to 'tialertca Rate Applied To: we mtltiply Ma 19146M Iltpartant Noliac Paymema yw mail to us vAN be credted to your accaak ea of the huartea day we receive h, ProNded It) you send the bottom portion of iN5 atatemem and your dark in the endoaed remittance envelope and (2) your paymak is receved in ax ng caner by 3 p.m. ET (12 nocn PT). Please allow at least ive 15) brainep days for poaW deNvery Paymatts received by ue M any other lacat)art w in anY otlter tam maY n~ ce cradled as of the deY we recdve them. Our huNraae days are MordaY thra+9h Saturday, e:odudrg IaNdaya. Hoax do rat use staple, paper dr'ps etc. when prepanrtg your paW~ant. When you sad w a deckle), you auaadxe ua to make acne-fine dectraYc tmrmkr debit ban year bank accaar br the arrant of the deck This anMdxatien a to M decks reoaved during the hNNng cyde even it seen by sameaa else. It we camm Prima the trarmkr, you auUtpdze u to make a large agairret your bank accenn uarg the deck, a paper drab or otter item. .wa ~ gall!1 ~ R~ sal a+N J ^C111a]@~~~!\711:IQ ~ Il ~:5. 889500 DEBQRAH L GRAHAM, Walk into the dealership with your financing in hand! Get up to $30,000 of financing with no dealer credit applications in just 3 easy steps: Call or Head to the dealership Drive home in your visit us online. with yourApproval Letter, new car or truck.- Simply apply online at ~ ~ or call : ~ ~ ~ Monday-frlday. 7 s.m.-10 p.m. and Saturday, 7:30 a.m.-6 p.m. (Central time) Ser rtroan for irnPorNnt inforrnatien rrgars/.ing rhir offee ~' auto fjnanee"' YOUR PERSONAL RESERVATION NUMBER: 0046330312-4661 Capiia/Q~° GOLD VISA ACCOUNT JUL 28 -AUG 27, 2004 4388-6418-2716-8845 Page 1 of 2 AeAOUnt Summery Payments, Clt~its and Adjustments Previous Balance ;686.64 1 03 AUG PAYMENT PROTECTION CREDIT 1-888-527-6904 ;5 98- Payments, Credits and Adjustments ;25.98 2 25 AUG CAPITAL ONE ONLINE ACH PAYMEN'T' . 20 00.. Transactions ;27.00 , Finance Charges ;6.49 Transactions New Balance ;6%.15 3 06 AUG PAYMENT RESEARCH ADJ ;21.00 Minimum Amount Due ;20.00 4 27 AUG CAPITAL ONE MONTHLY MEMBER FEE 6.00 Payment Due Date September 27, 2004 Total Credit Line ;700 Total Available Credit ;3.85 Credit Lane far Cash ;700 Available Credit fm Cash ;3.85 At your serv7ee To call Customs Relations or m report a lost of stolen card: 1-800-903-3637 For free online aeroulk service and special nlstoms offers, log on to: www.capitalone.com Send paymrnta te: Send inquiries to: Attu Remittance Processing Capiml One Swices Capital One Swiss P.O. Bax 84147 P.O. Box x5015 Richmond, VA 23276 Richmond, VA 23285-5015 ~~~ Cha~ P/CQreJCCTC'Nr1J[J1rlefOr tl/tpt71'fQAt IRferrRQriplr ~ B~rarersmft Periadir (.arg ~~ apflirdfo rmfr AyR ~ PURCHASES CASH 5699.06 .0391996 P 14.3096 58.49 5.00 .0547796P ]9.9996 5.00 ANNUAL PERCENTAGE RATE applied this period 14.3096 ~ PLEASE RETURN PORTION BELOW WITH PAYMENT C`i~~I~e~ 0000000 0 4388641827168845 27 06961 50020000020004 New Balance ;6%.15 Minimum Amount Due ;20.00 Payment Due Date September 27, 2004 Total enclosed ; AcooltntNlunbex-. 4388-6418-2716-8845 ~ #9024125817229113# MAIL ID Ni]MBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Box 85147 (~~Illn~l~~lu~nl~~~ r+ s~ 902 ALLENVIEW DR Richmond, VA 23276 0~, MECHANICSBURG PA 17055-8604 0 I11'IIIII~II IIIIIIII~II'11I'llll 111 ll~llllllf llfll'1111I'11I11 ° ~ IIIII"111'1IIIIIII'11 ~1~1I11'II'IIIII1111'IIIII1111111'11I1II Pleate rurite~w arfount nurnLer an your c/x~k m money mdn rnndepnynble to Capital One Ban,F and mail in the endared envelope, Ptrarr Print rnailingndaixu mrd/orr-mail cl mrgts Ixlom urirtg blra a-blanE;n.~ star npr. t sty stalx 2rp Home Phone Altanare Plbne 9 Fmsil Address r Buy the car you want with no worries or hassles! You've been pre-selected for up to $30,000 in financing. • No financing hassles at the dealership • No application fees • No dealer credit applications Apply online at www.carfund.com ar tali s-8oo-304-4854 today and take the first step toward owning the new orpre-owned car you've always wanted! Personal Reservation Number for DEBORAH L GRAHAM: ~_ eeee~ 8 o O O ~ N CV WYC7a7t7Va71 2''TVL) ~ Please tap during the hours of: Monday-hiday.7 a.m.-70P•m. and Saturday, T:30 a.m.-6 p.m. (Central tlme) Have this number handy when you contact us. 'Certain cordiriom may yrply. This rtH is nonrnnsfenbk. Your coda history wiU be rn~esvR1 Lry Capinl One Arno Finance in onler to pnwea your application and roan pass scaring rnquiremenu. Applinrsn mrw 6e in good standing (ace ovalimi[ or put dux) on any odstr enuring Capinl One account. The amours[ of your fiwnung will be 6asni on crcdi[ and xpplintitn rnresia. AoY Imnkmptcio roan show dicdsarbesl oa your cmlit burnu report. t.5rrimtun monddy inwme of 51,500 is rnyuiral. Faymen[ coma easa:eJ 18% of gross monthly issmma Minimum down payment of S1,Ultl1 (in tali or vdth a lode or manufirturer s rebam) is sequitvd.lowl amount 5tur,ud moat be at lent f 10.000. Loco- to-value ratrinions apply You moat be u lust I B years of age. Applinms mart have a valid meat allow within [be Unisrcl $nra at the [lore of canna. APO, FPO and 1!O. Rua addn5an arc two eligible foe dsu alter. Vehicle moat be twvnal and mainsainal in [Ise Ueised Sates. O&r u va1W for aU modeh (1999 and newer) enludutg IGa, Sasaki, OLlsmobik. Mitsubishi, Daetvrn and discontinued vehicle linen. Ttxmlmileage remiui,arss apply-sre apprmal pukage for deuilt. Tlru a1Ter is rsa valid f r mumrc~cles, tnobik Isonsea, RVs, wmmeacial or sdvabrod vehicles and bolts Thia o&r a not va1:1 in A[C Fil and U.S.-depetrdent tcrimtins. pmgtam renriainns apply. ® 200i Gpitd One Services, lns Capiui One and Gpital One Auto Fitsanee arc fetkrally regim<red trat4madu. All tigbss rcsetved. pedadc rate. Te amain the average logy balance for the tilling Period covered by tlra nmement, we take the hegimng balarx:e of tad[ aegmttrtt oath ley, add anY new lrartsactlans m each aegrr[ent, aM abtram any peymema m credta. gf the tale N appears m the from of this etafemem rsazt to 'Belarxx Rate Applied To; we also xhtram any rrtpeid finance large intltaded in the 6elartce of tads segnent.) This fives ua tfre daily balance of each BEgltml. T}ten we add up ell the de~lVy halArrfa for each segnera br rite Nllktg pedal and dvide 6y rise trod rasnhar ni days in the 6illirq pedal. Thin gives rsa the averaggee daily halaraa of ersrh sapnertt. 3. Mod harosaspe Rates IAPRI. a. The term 'Arrrad Percarage Rate' may eppasr ea 'APR" m the from of dry stdtamern. b. If the cede P lPrknel, L (3-mo. L1BOR), C (Cerdfirate of Deposit), a S lBenkcard Prime) appears m the frtxa o1 this atatemast next >o the pedstdie rate(s), rise pedadc rates and mrreaparling ANNUAL PERCENTAGE RATES may vary r)uanedy aM may {raxease or decrease boned m tfse stated indtrs, as tend in The Wall Street .lewrsal, plrss the margM previetaly dadttaed m you. Tt[eae rharq~a ta111 be effective m the first day of your tilling pedal catered by your pedrxfic amtanatt asdrtg in the mortds January, April, Jt/yy aM October. c. H the rude D /Prknei, F (t yrro. UfiOR) or O (3+ra. LIBOR Repr{ceA MmtNy) appeare m the hard et your atatemart next to the pedede rate(s), the pedodc mica and carregrasdng ANNUAL PERCENTAGE RATES may vary marrdry aM may increase or decrease based m the stated irdces, ea fond in The Wed Street ,Iawoel, plus the margin previously dadrtsed to you. These darsges will be effective m the fiM day of your billing period earn mmth. 4. Alsatallaa W Late, Overimt tad Rehnwl Payrrtarst Feat. Varw aamrnt sviq he aamaerl ro more ttan two of the fees pled here tlsgt omw tfuk[g arsV dNnO Period. Urda the terms of your t~tmtar agrteerrsax, vve reserve rise right to wdve or rte to assess arty foes a ppdda rodfiratim to yyoauu vaftlsat waitdr[g our dgrrt to asaraa tM same a similar seen arc a titer time. 5.t'Rasawirsp Ysrr Aetarrt. If a membership fee appears m tfa iron of this statmtatt, you have 30 days tram dce data rite aetemar wrote malted to yar to avoid paying dce Tee a to have arch lee eredterl to you if you rarsoel your atrara. Osrksg tfis Period, Vro ~V mrrirrre m sae yar accotm vadsotr hevksg t0 pay the mm[hership fee. To rarcal yaw acmrn, you msBt notify ro W r.alirg orw Qntenar liladore DePemnast aM pay your 'New Balance' ks fsl lexdsrdrg dce B. N Yn~i 4~`bss Vat) ~OAosataY. Vas ran regt~~ ro dVe~se M- ya atxara 6y rallirg ors Ctratomar Rledaa [7epermsar. Vou tarot rfrtaroy yaw txedt cerdls) acrd atxara ems dsacka, rarscd M preatrtlnrized lisping, and cease Votsr aotxlsra. N you do rot urrrl Preardndztid errartganaas, rte sviq rurrsider rerapt of a charge your ataftodzattan [o reopen your trN.. Atfddmei~~ rtcmm wiq rot he dated traraertiiaa Vets lave at n~iized, firar~ ddb arW due foes, overlinYt fees, monad ~• ~~ edvarsce Taos aM Pe4n'~r lean, rash actxtrM. Yeu are for /tees ouaa~wfsedar they appear m ynr aocetnr d the time you mgtsest to dote the acsotrx a they are irsarred stbeaquan to yes regtseat to rites the armor. This may rash in dargea ePPaadng m yaw atxotnt abet you have ynr atrusrr if a hen dready been dread. For trample, rf you audnrized a pssclssse from a rtterdsent aM we receive the traractlm from rise memlwtt after yaw atnoutt lien been doasd, your accotnt vui he reopened, the amatrtt of rise darga wql be added to yaw aocara, eM yes wql he rasporWhle for peyrnan. If there is e manhersNp fee for your aooarx, the fee wgl rxrakre to be dserged, to the mdrm pemsittttd by Isw, tray tta atx:ara ar[ce has been paid in fil ea Aelksed above. 7. Udrp Yar Aosaaa.Vatr card or atxara urrsot he used in mrracdon with any iraemet gembgrsg ttaraecdorsa. 8. fb8sa About F]aa•atia t7rolr Oawrevr. Wlsm you provide a deck as peymaa, you esrlrerize ue ekfar to use infamedm tram yaw deck to make a me-time ltstreric find trenafer from your barsk acrutra or to process the peymarx es s deck treraec[lan. When wag use inframadan harts ydr Naek m make en lectmrtic turd trereter, firth may be wta,erewtt from yaw hank atxntra ee soon ae the 8anC• day vve receive ydr peymatt, and you wNf tsar receive your dsack back from yaw Tasastial kantrrien. BILLING RIGHTS SUMMARY Iln Case OI Errors Or Oaseatiare Alias Veur BiU) If yw tfrnr your ltiN is wrap, or if you need more iniormatim m a transectlon or blq, write to u m a fnquidea sMwnam the from off th'sysautemera.~We mt~t firetr hil aft t~.thlrh lihe error a~ mhlem aer ue aem you the all cur Ctmemer Reladana nisher, hrd d~cir[g sow vAq rot preserve ymr rigors. h your letter. give sse the ldlowirsg informadm: your name and aoootnt amber, the dttgar amtxm of the atrspttcted amor, a desedpdm of the error aM an et~laratim, if poseiHe, of why you helirtre there is an error, er it ys0u reed more infomtaam, a rfescdpdan of the hem Var are rratre aban. Vm de not have to PaV >nV errant in gtseatlon wlrle the are inveadga7k~p h, but you are atgl ahggated to pay the pens of your hilt that ere oat in question. le vise inveetigMe your gtseatim, use carat report you as ddingttem er take any emim to rxtged rite amatrd ycu 4restim. i,'t' Spedal Rule For Create Card Purtheaea If you have a problem with the qualhy of property a services that you purdased with a credit card aM you have tried in goad faith to correct the problem with the merdtem, yw may have the tight not to pay tM remairrng ameun due m the ny a eervirxts. Ycu have thin prmxdm cry when the purdaee price wen mom than 950.00 eM the purclase wen made in yasr fame slate or witKn 100 miles of your mdgng address. Ili tare own or aperete the merdam, or ii we mailed yar the advenisanem for the proPenY ar services, aq pureheses em mvsgred regardeas of emard or bca6m of purelaae.) ReESe remember fo sign ell mneepasdssce. t does not appty to rxwrsaarsar rota-rled't card accents : Lbes no! apply m business non-radn carts BGCasnls One at{iports iniamadOn privacy protection: nee aw service mark of Capital reserved, a 2003 _ 01LGLBAK 1. How 7o Avoid A Fisatoe GtrOa. 'r a. Oran Parol. You wiq have a mirrram grace pedal of 25 rb without firarsce t~ pis halerrtye trerrfera, row ~erie~pmrdreaes aM rtew~o Mr charges if you pay yalr [old 'New fialasra', in accortlersce with the h~port&tt Notice for payrrrrwas blow, end let time for k to 6e ererfited by yaw roan dattxnent tlOelrq data. There is ro grace peeM m rash edvarsces and spedel trerafere. h adddas, there is ro Store period on any tmrsaectien if you do not pay the tad New balar[ce.' b. Aaauirg Fiarssa Chrga. TraraaCliora which are nor atitjatx to a grace period are eaaeasad lkserra large 11 from the date of the treraer.~dttn a 2) from the data the traaaction is processed to Yotw Atxaaa a 3) from the first celadar ley of dce t5wrast higirg pet{od Addrtiaally, if you tiles rat Dey the 'New Belar[ce' from the previtats bilirsg pedtxl h fW, fnarsce barges ceritatte m artrue to your tam baalce tntll the trpald baler[ce is pskl M tell. 7 you may clip owe flr[ence riarge~a, even if Yotr pay the entire (slaw ersce kricetrid on the frera of your aatartaa by the re7d atdemera desirg date. his rid net tb so for the prevfats marsh. Urtpdd Srarra dserges are added to the aegnterY of your Atxxstra. 't'c. fsirrirsan Fisasoa For each haling period that your arxxtsrst fa act to a tkseras large. a mkirrrtrn total pNANCE CHA E of 90.50 tMl be imposed, If ttse total firtarsce large reatltlnp from the appgr of yorw perfodr. reta(sl is kr dart 30 60. wa v~v{q ast>b~tmct tfat amours from the 90.50 rttiNrntm ssd the dfferenoe wiq 6a biped to the purdaee ~tera of yaw axara. 'l' d. Tsrrparay Radrsalion it~Fatarsoa tlarpa. We reserve tfa dgn m rot sasses enV ru aq firanre dsargas for any dean ltiYMsg period. 2. Avarapa DaiV Belrrea f Mte~drto Nsw Rrdrsrl. a. Fnarsce large la raltxlated y tmitlpiNng ifse daily helartce of tad[ aegsten of year errutra le.g., cash advarsce, purrfase, apedel trerssfer, end aperiel pswdsaae) hV the mrteapondrsg tieily pttriodc rate(s) that lies been tevkral dstioead to dutirg U,e lisping parkd, we apply tt[a daily dPe<iodt: rotator eacb eegrnaa of your trornsnt to rite defy belatce of ends aegt[ertt. Then at the ersd of the higrg period, use add tP the resahs of dseae daily calralatiorss to emus d r pedede tiraa:e tYarge fa ands segmast. We add tp the realty from tads mpnmt to anfve e[ the [ofd pedtxic finertce charge for yaw errYStrra. To get the tffiily belarsce for eel[ aeg[teM of your eaan, we take the ba~mksg balertce for each segrnaa aM add arry raw treraertima aM any pariOdC fkarst:e large caltalatad m the previeta day's 6elarsce for ttsat aegrnent. We then stahtrect any psymeMS a tYedts ported as of that day dot are albcated to that segrsart. This gives try the saperete daily bdarsce for sell sagrttera of your aocatra, Fiouraver, if you pdd rite New Balance dawn on your prevbts atatentaa in tell (or if your new belarsce was zero a a troll emara), new trarasctiorsa wl[id[ pest m Yotw ptadsase or spadd purdaae aegrneras em rot added to dce tlagV balarsces. We calaalsre the svero daYy helarsoe add balar[ces together a d dvidng rite a n by die emmher ofY rise days in ila asrrera higirtg cycle. To ebiniate yaw trod drarsce dsarge, rraldply Vow everege daily belanee lN' the logy pedntfic rate aM by the amber of days in the bigirg period. Due to rarsMsg m a daily basis, there may he a a vsriara between tNS ralnletieR aM tfse antosra of firarass dcerga etxuelly ssaeaeed. h. If the rode 2 a N appease m the stun of dry statement raxt to 'Balance Rate Appged To,' vve mtltiply the 10941M Irrpartant tYOlica: Payments you mail to ua vNq ba credted to ywr accaurn as of the business ley vye receive it, provided 11) you send the bottom portico of tlsia taatrartera and ywr tireck in the asdoaed reminarsce envelope and (2f Your paymem is rxlvtal in ax comer by 3 p.m. E7 (12 noon Pn. Please agow at least live 15) bsmirieas days for poeW deivery. Paymena rrxdved by ue at any other locnian or m any other Corm may not ba credited as of the dceYY we receive them. Our buNrtaea days are Maxlay daough Sattwdey, e7acksdrg hdidaya. Please tfo cwt tste suples paper d'ps etc. vMsen preps ~y0ur payment. Wften yrtu earl w a dsecklal, you etdsodze ua to moire a trte-time electraric trarnter debit iron your bank accent for the amotrst o~ the dteck. This eutltodzalian lea to all dtecks recavad dudrsg dta bggrg cycle even if a3nt by someone else. ff we carrot prooaas rip trarskr, yrw avUgdze us to make a dsarge agekat your bank eccoun using the deeck, a paper dreh or other itan. ~o~tr~ CapiitalQy~•~ auto finance'" DEBORAH L GRAHAM, Your preferred status can take the hassle out o f financing your next car. Page 2 of 1 Dear DEBORAH L GRAHAM, Competitive Rates Great news! As a valued Capital One® cardholder, you have been pre-selected for auto financing of up to $30,000 through Capital One Auto Finance,m our auto financing subsidiary. No Dealer Credit Applications ~ you're thinking about purchasing anew orpre-owned vehicle, DEBORAH L GRAHAM, there's never been a better time. The benefits of our preferred auto financing package include: Financing o f • Greater control-you'll know your financing terms from the start Up t0 ~30, 000 • Valuable time savings--there's no financing hassles az the dealership • Increased confidence-you'll have a great deal before you start shopping Plus, your preferred status allows you the hixury of knowing your financing terms before you start shopping. The prestige of your preferred status means that dealer credit applica#ians and hassles over financing are a thing of the past. But that's not all. Responding to this exclusive invitation takes just minutes and you can do it from the comfort of your home. Visit us online az www carfund.com or call us toll free az ] -800-304-4854. But hurry because this offer won't last longl Sincerely, J. Alan Berson Senior Vice President, Capital One P.S. Your auto, ff~ranctng of ap to X30,000 with a competitive APR awaits you. So visit www rarfund.com or ca!I (-800-304-4854 to apply today! See rnuerse for lmprxtant tafrnmatlon regmrling tbls offer. Reservation Number: 0046330312-4654 Have this number handy when you contact us. Visit us online at www.carfund.com or cart Lott free s-Soo 304-4854 Monday-Frtday, 7 a.m.-10 p.m. and Saturday, 7:30 a.m.-6 p.m. (Central time) a/0ne•~ auto finance" ~~ ~~ ri ri ttttttttt~ riri tttntri ttttttttttt~ tttttttt~ tt~ tttt~ ttttttt~ L t~~ ttttttt~ Certain conditions may apply. This offer is nontransferable. Yuur credit history will be reviewed by Capital One Auto Finance in order to process your application and must pass scoring requirements. The amount of your financing wi0 be based on credit and application criteria. Any banlwptcies must show discharged on your credit bureau report. Applicants must be in good standing (not overlimit or past due) on art) other existing Capital One account. Minimum monthly income of 51,500 is required. Payment cannot exceed 1g96 of gross moodily income. Minimum down payment of $t,000 (in cash or with a trade or manufacwrer's rebate) is regtired. Total amount financed most be at least 310,000. Loan-to-value restrictions apply. You must be at least 18 years of age. Applicants must have a valid street address within the United States at the time of contract. APO, FPO end P.O. Box addresses aro not eligible for this offer. Vehicle must be owned and maintoined in the United States. Offer is valid for all models (1999 and newer) excluding Kia, Suzuki, Oldsmobile, Mitsubishi, Daewoo and discontinued vehicle lines. Temtlmileagc restric- tions apply-see approval package for details. This offer is not valid for motorcycles, mobile homes, RVs, commercial vehicles, salvaged vehicles and boats. This offer is not valid in AK, FiI and U.S: dependent terriwries. Program resvictions apply. ~ 200d Capital One Services, Inc. Capital One and Capital One Auto finance are federally registered tradctoarks. All rights reserved. 10941M First 3 months half-price a month; ~.595/mo. tllereaftel' 43 1827168 5 SIGN UP TODAIR ENVI HR M 1~~~~~778~1207 Mention Offer Code: ONYX '~NIC PA 17 55-86(i3h visit www.peoplepc.com/go%nyx oos peoplepc®online U Abetter way to Intemet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months) Email Virus Protection ® Pop-Up Blockerr"" `~ Spam Controls Smart Dialer Phisher Security Internet Call Waiting Capital ~~~ GOLD VISA ACCOUNT 4386-6418-2716-8845 AUG 26 -SEP 27, 2004 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance 11696.15 Payments, Credits and Adjustments =.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement Il Transactions (35.00 you have already made your Payment, Please accept our thanks. Finance Charges 58.51 TmnaertLOnS New Balance =739.66 Minimum Amount Due 142.00 1 27 SEP CAPITAL ONE MONTHLY MEMBER FEE :6.00 Payment Due Date October 27, 2004 2 27 SEP PAST DUE FEE 29.00 Total Credit Line Total Available Credit 1700 1.00 You were weed a p~ due fee of;29.00 on 09/27/2004 because your minimum payment was not received by the due daze of 09/27/2004. To avid this fee in the future, we recommend thaz you Credit Line for Cash =700 allow az least 7 business days for your payment to reach Capital One. Available Credit for Cash 1.00 At your service To ceD Castonw Relations or to report a lost or stolen cud 1-800-903-3637 For free online account service and special autemex offer, leg en to: wxnv.eapitalorlaeom Send payments tn: Send inquiries tn: Attn: Remittance Processing Capital One Serviecs Capital One Services P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5/115 Impottant Account Inforrnatlon Are you registered to vote in this year's general election? It's not too late! There's still time to register, so $o for it. YOlR vote ran make a d'Ifference this November. Call or visit }roar local voters' regsstration office or go to www.evayvotemunts2004.com to make sure ymrr voice is heard. 1/beryvote counts! Finance Charges Pkaata rnxizeridefar important information ~ BmfaRn! cast PlriadGr C.orreAP ~% ~~~ ~ oeplirdto rti¢r R PURCHASES =700.45 .0391996P 14.3416 38.51 CASH 3.00 .05477%P 19.9996 3.00 AIVMJAL PERCENTAGE RATE applied this period 14.3096 PLEASE RETURN PORTION BELOW WITH PAYMENT CapitaifQng~ 0000000 0 4388641827168845 27 0739660020000042005 New Bahutce 5739.66 Minimum Amount Due 142.00 Payment Due Date October 27, 2004 Total enclosed S Acoolult Number: 4389-6419-271 Cr8845 Capital One Bank P.O. BOx 85147 Illululllllnnnlll Richmond, VA 23276 IIIIIIIIIIIIIIII IIIIIIIIIIIIIIIIIIIIII1111IIIII IIIIIIIII III III Phase vLrite yom Quaunt number on yore Plemr p,;,et nrmtirtgnddrnr msd~orrmai/rlaaeges bdoru ratingalue c-atatp;nt: Strct Apt City Snee ZiP Home Phone Allemax Phone ~ #9027225817229118# MAIL ID NUMBER a: DEBORAH L GRAHAM ~ 902 ALLENVIEW DR ~ MECHANICSBURG PA 17055-8604 ~ ~ IIIIIII111II IIIIIIIIIIIIIIIIIIIIII III IIIIIIIII IIIIIIIIIIIIIIII dx~.F or money ordn made payable to Capital One Ban.F and mail in the endared envelope. r peoplepc®online u Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGNQUP TQDAY! 1-877-778-1207 Mention Offer Code: ONYX Or visit www.peoplepc.com/golonyx g b O O o `O N N peoplepc is solely responsible for this offs, and s not affiliated wfth Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any produd a service shown here. Any tradernalics mentioned herein are soley owned by the respective entity. AA rights reserved. By responding to this offer, you may be comm(rlicatirg information about yourself to the company ltal provides this product -for example, that you are a Capital One customer. 'peoplepc Online: First 3 months of service are fulled at $4.97 a month; $9.95 a month thereaffer. Offer available to new dial-up subscribers at least 18 years of age end may not be redeemed with any other offer. Offer subject to change at any time. Ptrorle technical support available for $1.95 per minute. Fa questions, call toll free at 1-877-778-1207. Servks not available in all areas. Aces tees, taxes, and other fees and restrictbrls may apply. Telephone till dlargl)s may apply, even during trial periods. You are responsible for determining whether a call to one of our across numbers will result in telephone till charges. Access may be limited, especially during times d peak usage. l7iaFup numbers may be changed at PeoplePC's disrxetion. Continuous use iwbject to titteout procedures. All use is sut)jed to peoplepc Online's Services Agreement and Acceptable Use Pdicy. 56K is the malfimum speed of service; actual speed may vary. ® 2006 peoplepc Inc. AN Rights Reserved, peoplepc Online and 'Its logos are registered trademarks of peoplepc in the U.S. and other countries. ®2006 Capital One Services, Irlc. Capital One is a federally registered stafrice mark. AB rights reserved. periadlc rate. To obtain the average daily balance for the! billing Period covered by this statement, we take the hegimng balance of each aegmem serif day, add any new trortsactiore to each segment and arLtroct any paymmre or credta 111 the code N eppaaa rn tfa Iran of 1Ns natemem next to 'Balance Rate Applied To," we also arLtroct arty upaid flrartce dtarge indrxled in the balance of paUr ae~trnt) Tfia gives ua the deny balance of eadr aegnem. 'Bran, we add tq as the dailyy balances for each segmem for the hiding period and dtida by the tmd rxrrrbar of days in the hilang period. TNa gives tm the average daily helarra of each se¢nem. 3. Ams1 Pirosntapa iiatss IAPft-. a. The term 'Aaxd PerrprMage Rota' may appear ore APR' m the irartt of Mia naternem. b. K the rode P (Prime), L (3-mo. LIROFZ), C (Certificate of Oeprtst), a S (Bankeerd Prime) appears m the from of this atatemem raxt m the periexfc reels), the pedadc rates and rwrrespadng ANNUAL PERCENTAGE RATES may vary querteriy and may ktaease or decrease based m the sated ktaoea, sa found in The was Street ./acne(, pus the margin pprorfady disdosed to you. Ttteae dangea will rte effective m the first Bey of your billing period covered by your pedodc atatemerd endng in the madF® January, April, JJY and Octaher. c. If the rode D IPrkne), F (1-rno. IJROR) a G (3yrto. LIBOR Repriced MontNy) appaero m the hart of year atatemem next to Mte pedo6e reels), rite pedock rates and cerreapartdirtg ANNUAL PERCENTAGE RATES may vary matlHy and may increase ar decrease based m the stated irxlces, as toad in The WaY Street Jarral, plus the margin preufarely dsdeaed to you. These dtartgrs will he effective m the fast day of year billing period each marsh. 4. Aaasmrrt d Iota, Ovtrarrrt and RaMtad Paynrit Fsas. Yorr eccerrd wN 6e asaea.ad ro more [tan two of the fees asad ham [tat rtratr durfrtg any hiirtg period. llrtdar the tetrma of ya. aetorner agreerderd, we reserve the right to xveive a ma ro eteeaa arty faea witlnrt pion rtotiMatim to you widtntl waving our rigid to esaeas the same a smiler fees a[ a later time. 5.f7Larvktg Yur Amuait. If a membarslp foe appears m the frdre of this saterrterx, you have 30 days from the date the steterrterd was maned ro you ro avoid (eying the tae a ro taus sudt tae created to ya, if Vat rartcd Vora amotrd. Dtrinp die period, you may rorttiare ro rte yea sxxxrr wtdtotx having to pay the merrtberoftip free. To rartrd yore aorard, you mrts ratify ua by raakg err t]etorrtar Rdetiora Depermtstt end pay yM~r New Belstce' in ftll (exdrrarg the mexrtbetahprfee) prior to the end of the thirtydaY period. & H Yw Clan Yar Aomvt Vou ®t cagiest to dose yyoouurr arrant by eaWrtg exr Qetamer Reelatiate Departrrtatt. You mret dtatroy yar serif cerd(a) and aocorrrt arnaea decks, rand a• presrltaized billktg. and cease your amorrd. If you do rot rectos( pras[tltodzed arrstgsrtsds, tats win rateider recegt of a Barge your arlwriza[lon m reopen ytxa aooorrd. AdV, Mar aorartt vuY rte 6e Based rrttn you PaY as artteurxs you owe u irx~rdrtg any trertaer-Yiaa you have arrfwrized, lktertce rltergea, pest due foes, overiintit fees. rehrrad paMratt fees, rash advance tees era sty otlar fees asaeeaed to ydr atxxxrrt. You am rea)tortalhle for Mnae amorsds wladaf they appear m ytxtr aomrx n the rime you rer~teat m dose tlw armors a tray ere irtnrred sr6eegitartt ro your rsEaat ro Baas the aexard. TFis may rash in Bargee eppearirtg m Mar amnrrd after you have if~you arrfnrized a prdtase from a mercharx arde~ roraive the trsaxdm flan the merdtss after yatr acrotrd hea heat dosed, yerfr etxxtux wW ha reeperaA, the erttttrrd of the dtarge wig be added m yortr aeoant, sd yet will to resperaible for paMant. If there is e membership tee for your eorard, the fee wiM tarttktta ro be drargad, to the event p~mrhtad by kw, rrdfi the aroard rtce hoe been paid in flM es dafirod shove. 7. fJa9tp Yrty Asasnt.Yar card or ecmrd ramm to used h enrvactiert with arty irdamat gsnhling treraectiorr. S. bhtiss Abut Elsotraria Grssk Lbrrvarsrn. When you p~rovkl~e~adert ftard~yment, you authorize ce fader to yerx eitack to make a orttrtime saetrmie frrd transfer from your hark atraud a ro process the peynterrt as a Back transaction When we use informatm tram your riteck ro make an eletxmrlic flrtd transfer, frrtda n'aV be wkhdrewn icorrt Mar bank atxxtrrd es soon ea the same Bey we reeeive y~r peymerd, ant you will rot reseve your tlaek back from year firtartdel iratinrion. BILLING RIGHTS SUMMARY Ile Case tx Errore Or Otastiore Akan Vour Rill) It yet ttirtk year dll is wrong, or it you need more information m a trareectim or hie, write ro re m a separate sheet es seen es poasLle at the address for irtgtiriea ahdwt m the herd of 1Ha nnernad. We must hear tram you ro later than e0 dayyss after rte ass you the first hill m vAldt tla error er preHem appeared. Veu ran roll era Customer Helatierts ember, but doktg so via rqt Preserve yea dghre. In your letter, give ua the iolbwfng mlemtatim• year name and accatart camber, the ddlar amarrt of the aepee.4ed error, a deacdptlen of the error and an et~lanatim, if peeatle, of why you believe there ra an error, er it you need morn inbmnrm, a deaclpdm of the Ftem you ere rrtsra ahan. you do cwt lave to pay any amotrn in questkn wHle vve are irnestigstlrq n, but you are rnid adigafed to PaV the pane at yea tllf that are not in graetim. IMiWe we inwistlgeto yda grmtion, we rdrvwt report yet, ea ddirtquart or take any ectien to eeaeet Ma amarn you gtratim. i,t Spedal f#le for Crean Card Purchases If you have a problem wfth the quality of property or serrfeea that you prxclased vrith a eredt card and you lave fried in good faith fo correct the problem with the mesdtam, you may have the right cwt to pay the remakting amarn due m the cry a aetvicea. Vau have Mtis 8 0.00 and the~~ purdase price was more Man whhin f 00 miles o~~m ~s made rn year home atete ar yOUr Mdalg addrou. IH we outs of operate the memham, or it vtre mailed you the adverdaemsn for tfa DroPertV or aervitxx, as purt9tasea are covered regatdesa of amaurt or Mcatiro et pniwse.) Reese rentsntwr m sign all romeapordsre. 1' Does not apPN to cortvurwr neo-cre~t card arawms I /foes trot apply ro business roe-credd cent ecraents One attpports infamatim privacy protectim: sae err at www.uupptalane.com. One is a faderagY tegstBred aerrice mark of Capital artdal Cotporetim. Aa dyne reserved. 0 2003 One 01LGL&AK t a. (saes Period. You wiN lave a miNmun grace period of 25 days witltat Srtarra dterge ro rtaw pun9taena, new helartce trarafers, new spade( prrctases end new other ettargas if You PaY Yaur ford ~~ ~, ~ eccordartce with the krrportstt Notice for peymerds hebw, and in time tw k m be rxadted by yarn next saterrratt doaktg [fate. Them is ro grace period m cash advances srd spend trarafees. h addtien, thetre ea ro $roce period m arty trartaactim if you do not pay the [ofd New balance.' h. AasuYtg FYtaraa iriarpa. Trartaectiare vtt4dr are not arrhjetx ro a grace period am assaasad Wterra dtarge 1) firm the data of the treraactien a 2) from the date the treraactian is processed to yorr Accent a 3) from the first celeriac day of the axrerd hiMinp parbd AdtatlatMly, if you rid rot pay the 'New Ralarwe from the previate txYirtg period in frl, fittartce Barges extrdlnue to eeena ro your uraid balance udil tla repaid belrtce a paid in fill. This means [fat ynu msy stiN awe Warts Bargee, even if Y~ PaY the ereire New Balatce irdra[ed m the front of your atetetnart hV the text rrtetemers dosing data, bu rid rot do so for the pretsne madh UrpMd flrartce Barges are added to the eppNrable segnent of your Aorant. t c. aNrrirrtm Firrstds raCJ pa. For each biaing period that your a®rrt N act m a Wtstce darpe, a mklrntm teal RNANCE rga E ofn9p0.50 wal heenpiame~poead. Hytohuer dock ern (a1 isis lea [fan 80.60, we wig s Lttrsa that snarrl from the 80.60 erlrtkrxrrt and the dfferertce via he hied to rite prrdtaae of yotr atxxxnt. td. Tanpvsy Radwlist it~ CJtrya. We reserve the dgM to rot naaess arty a ar Werra tYargea for arty given hirtg Qariod. 2. Avarapa Daly Babas f krokrrits Ilauv I+tralaaael- e. Rrartce Barge is rakalned y mddplykg the daily bebrra of each segrnertz of your arxxtrrn (e.g., cash edvartce, prmitaae, apedd transfer, sd apedal perdreael by the rarreiyortarg deny pedodc rate(s) that has been previouly dsdoaad to you A[ rite era of eadr day duirrp the 6iairg Pte. wa apply ~ ~V perfodc rate tar eacFr eegnas of yea accorrrt ro the easy bdarwa of serif sagttertt. Then at the and of the bang period, wa add t4 the reslre of these deny celalatiore to arrive n ynr perioac Wtsten Merge for staff sttgttertt. We add r4 the resits trap serif segnartt to arrive at the total pedodc finance large tw yea atrarnt. To get the daily balance for earJt seprrem of yda atxard, wa take the he~rrtktg balance Tor serif tagnerd and add any new traraactiora sd sny periods Werra tlwrge ralnlated m the previous day's ertce Tor that segment. We then atbtract any payrtsds a credta posted as of that Bey flat are allocated to flat aegnus. Tlls gives ce the aeparote dilly belatce for serif segraM of your sorest. However, if you pad the New Ralertce stotwt m your previous tdatarrtartt in 111 (or if your raw talerra was zero a a treat amarY), raw traraeniona wltidt poet ro your ptxdase or apedal puridtase segttsda are not added ro the Beau balances. We cekalero tla average deflY belstce by aeldrtg en the dilly halartces together and dridng the srrrt by the rxattber of tta days in rite tiarerY hiakg eyrie. Tn rdnlete year total firortce charge, m1tldV Mar average daffy balance by rite deay perloac vets ant by the rdntber of days in the hiding period. Due to carding m a daily bass, tiara may be e saght varistce between 1Ns calaiatim and the amartt of firtstro triorge sstteay eseasaed. h. If the rode Z a N eppeara m tfa had of this atatemem raxt ro 'Relsrtce fiats Appaed To: we mrltiPlV tie 17617M Irtputas Noaoa: Paymema you mail ro to will be created to your accent as of the busrteas Bey vve receive h, proNrtad 11) ytw send the bottom potties of this sreiemrem and yetr dtxk m the endoead remittance envelope and (2) ywr paymerd is received M wr pro~anp rxsrta by 3 p.m. ET (12 noon PT). Reaae allow et least sire 15) bterneaa days for postal deanery. Paymam received by ua at any other lacaaat or In any ether lone may not be created as of tla day we receive tfam. Our bueirte» days aro Mmday thratt~t Saturday, exdrxirg hdldays. Please r1o not tee staples, paper d'~a etc. vrttut preparing your paymem. Wltm YW send ce a deckle), you atrdwri:e ua to make eons-time rlectrartic irarefer debit from your bank accouri for the amourt of the dwelt. THs arnhaixadm appeas to aN Backe recsved dtaktg the bilang cycle even it earn by saneene else. It we ramot process the traveler, you atNwri:e us to make a Barge agairat your bank accent teirg the deck, a paper Brant or other Item. 58890011 You can't help but feel special when you slip on this elegant Sterling Silver ring, glowing with diamond-like CZ stones. So lustrous and sparkly it feels like a splurge...but it's FREE'`! YouRS FREE'! • PRECIOUS STERLING SILVER ' 1 i3 BRIL.LIP+N'T GUBIG ZIRGONIA STONES • NEARLY c~. GARATS TOTAL Act now! To get your FREE' ring, CALL 'I-800-994-2992 'AII yon pay is 53.99 ~Ipping and hataaing plus appliabk tun when ynu accept your FREE Sterling SBveY Inanity Ring eat the oppatuoiry [o preview other [Hatching pieces. LS2F Capital Qy~• GOLD VISA ACCOUNT SEP 28 - OCT 27, 2004 4388-6418-271(x8845 Page 1 of 1 Account Summary Payments, Credits and Adjustrtunts Previous Balance ;739.66 1 08 OCT PAYMENT RECEIVED -THANK YOU 530.00- Payments, Credits and Adjustments ;101.00 2 20 OCT PAYMENT RECEIVED -THANK YOU 42.00- Transxtions 16.00 3 24 OCT PAST DUE FEE CREDIT 29.00- Finance Charges ;10.94 New Balance ;655.60 T*gnaarrions Minimum Amount Due !19.00 4 27 OCI' CAPITAL ONE MON'T'HLY MEMBER FEE ;6.00 Payment Due Date Nevembs 27, 2004 Total Credit Line 1700 "Important Notice"' Since your account was p~ due, your Animal Percentage Rates (A.P.Rs) have been increased as reviousl disclosed All other perms and conditions remain in full f Total Available Credit 144.40 p y . orce ~ egg please be advised that under the terms of yea account, your A.P.Rs are subject to Credit Line for Cash 5700 ~~~ ~~ if you Fail to keep yea account in good sanding. Available Credit for Cash 344.40 Want to reduce your A.P.R? At your service If we receive your minimum monthly payment on time for the ne>n six consecutive billing periods, this account will be reviewed for a possible A.P.R decease. To eaa Customs Relations or to report s Ion or stolen card: 1-800-903-3637 For free online account saute and speaal astoms offer, log on to: www.capitalone.mm Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Swices Capin] One Services P.O. Box 85147 P.O. Box 85015 Richmond VA 23716 Richmond, VA 2329.5-5015 Important Account Information Want to [Hake a d'tfferenoe this November? VOTE! Your vote is important, so get out there on November 2.Orily you can make sure yrna vnice u heard. Every vote counts Finance Charges PkrucJerrruenendcforimfo-tartt iufi m x atiorr Bdmtnrmli Periadr rye ~ j ~] ~ ~ gbprirdfe rnfe R AR .r- PURCHASES 1710.20 .0513496 P 18.7496 =10.94 CASH 3.00 .0568296 P 20.74% 3.00 ANNiJAL PERCENTAGE RATE applied this period 18.7496 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~~~Q~' 0000000 0 4388641827168845 27 0655600042000019004 New Balance (655.60 Minimum Amount Due 69.00 Payment Due Date November 27, 2004 Total ended ; Aocottttt Number. 4388-6418-2716-8845 Ftrarcpriat ma;ringaddnxr aHd/ar e-nrairdsardvt brroru r~rirtgahrt a 61m~E imE street npe r Gry Stave ZIP Home Pknne Altvnare Phone ~ #9030225817229113# MAIL ID NUMBER Capital One Bank DEBORAH L GRAHAM P.O. Box 85147 iiinnsilntllntltil ~ 902 ALLENVIEW DR Richmond, VA 23276 a MECHANICSBURG PA 17055-8604 LtLIttlLttltlltttLlLdlttrlltttllttttttlLhtlLtJhdJ ~ l~nllltttiiltntltlnltitlnluii~~iinnlnlllttutltiuitll Pleare write your arcaunt numbs on your uSecE or money order made payable Ja Ca~itar One Bank and mail in the enclared en~rulojie. r MAKE ANY NIGHT FEEL JUST A LITTLE MORE SPECIAL THE STERLING SILVER GUSIG ZIRGONIA RING This gorgeous ring features three marquise-shaped Cubic Zirconia with ten round CZ's-2.9 carats in aN~--prong-set by hand in a precious Sterling Silver band. IYs a truly timeless piece that will add sparkle and radiance to erry occasion. ~~ Act now! To get your FREE' ring, ~;. ~~~ ~ ~ ~ CALL 1-800-994-2992 `You pay Doty 53.99 shipping sad handling plus taxes where appNcahe when you accept your FREE Sterling SRver lafinity Ming and dre etpportuNty at prv'rkw other muchiog pieces. ® ztlu[ Capdal ore Straka, trrc ~ ax )s a tcdaalty n~{btaed saris muk. A- rights teaaxd. My tndemarlrs tmttioacd ttaeie arc totcly owned by dtc raptxtive auity. Hobetef Martetktg loc.>s sdety trspcaufite fur trig offs, and b not aflgwt~d with Czpiul One. fapiul One dots trot provide ezrdarae a guurarsae and k tra affaakd with arty pmdtet a cervix abowv here. Sy rapextding w Itch ~)ou traty be coernreiordrt6 irdormuiorr about yotncN'to the caupany tlua pnrvida this pnxkrtt - 6or enmpktht yw ate a Caphal fkre aeaomec LS26 8 O O ~ ~ O N N pededc rate. To obtain the average daNy balance for the billing pedad covered hV the f181emrm, we take the M4mnN balance of each aegmerrt each day, add arty new trertsadiae to each acgmern, and sbtract any payments or cradle. 111 the cads N appeare m the imrrt of this stnemem next to 'Balance Rate Appled To,' rota also atbtmd arty Irrpdd flrence charge irrtluded in Me balance of oath aegnrm.) Thin gives re the belly Mlerta et eadt aegmern. TMn we add up all the daily balances for eadr xgntm br the billing peeled and dui by the total rxrnber of days in the billing peeled. Tha glues us the average tleliy balance o1 each aegmem. 3. Aural Proslfapa Rotas IAPRI. s. TM term 'Arvxrel Perearaege Rate' may appear es 'APR' on the (raa of this aufemem. b. If tits code P N'rkne), L (3-mo. LIB0F21, C fCertlflrate of Dtlpceftl, a S IBankcard Prime) appears on tM ins et tNa statemrm nee ro the pedede tools), Me dodc rates acrd roneaperrdral ANNUAL PERCEMAGE RATES may vary quartedy arnrdd may irarease a decrease based to the stated kdtxts, as rand in The Wad Street Jararrel, pks the margin previauely tiatlosed to you. These dteralea wiN he eflactive m tfn Brat My et your billing pail tnvered by year padodc sretemem endng in the acetates January, Apd, July and Ocinber. c If the mile D Narkrnl, F (t-mo. L100R) a G (3Kra. LIROR Repriced Marshy) appeare to the irortt of your aretemrws next to the pedodc mtels), the pedadk rates aril mneapendnp ANNUAL PERCENTAGE RATES may vary mmthy and may Increase or tlecreete based to tFre stated irtaces, as fond M The Watl Street .loraee% plea the margin previtxdy dadosed to you. These dmrrges wiN he etlecNve m 1M firer day of year hilRrg posed each month. a. Asrurrrlst W Leta, OvarNrrrs ant Rr6atad Paynrst Feat. Your atxelnt wNl be assessed ro mom Man two of the fees rased here that tttxaw cirkrg arty hNwrp period. llrtdar the terms of Ya+ atetener agreentert4 vve reserve the tight to waive tx rot to sasses erry fees wiMnr pbr mNl{rdtion to you vvidrotw wdvfrrg aw right to assess the acme or airrrNar fees at a later time. 5.1'Rstralrtp Yeu Aossst. If a msnbersiip foe appear on the frartt of this atatemera, you Mve 30 days fran the date dtia straentsa wee mailed to yet b f You cancel your atx:ant~Otakg lttia period, Yar myeu emtkste to ate your arrant witltat Mvktg to pay ilea rrtertiherailp frre. To certcd yaw aoootrrt, you mfrs aril poly yyn~t ~ BMarae~kfi ^ (eratlttd~the mertthersflipwfae) prior ro Me erN of the thirty~ay period. B. N Yau Cbp Ytrrr Aoaart. Vou tan rageBat ro rJeee yyoauxr trt>atnt by ratlNrg aw Qalamer Reladorrs Departrnera. You neat dadroy yaw txeth card(s) aril attars access decks. carroel aN preatdarized hiWrtg, aril Deese uektp yar atxam. If you do rat tancd preslfadzed hrNirg enatgsnsas, we vtiN tarei[ler recept of a Berge yaw audtaizatim to reopen yyaouxr anoolnt. AciitioreNy, Vour atrxturt wi rat he rJoead IraN You pay aN amaraa you owe ro frtdlrirg~ sty trereaetlae you Moe errtadzed, fMenoe dtergea, pas ttta fees, nverfrdt fees, reacted payrsrt fees, rash advance Teas and arty enter fees sseeaaed to your atxant. You am reaportaNe for rheas amass wftetfer they appear to yaw arras ttt are time you ra¢as to tlofe IM amlllnt M they ere kltxrrerl albae¢Ient ro yaw regerx to done the aexant. This may real[ in dergea eppearkrg an yaw amnurl after you Moe yar atmua 'd k Ies dreedy been dosed rot etmmple, if you slMdzed s prchase fron a rrrerdent aril we receive the trarracdon from the merdrsra attar your aanrnt has been do-d, yar eccerrl[ yNN M reopened, ifs 8nldra Of the Cferge lath Ire erlrled to yatw ataxlra, aril yyoeuu wNl he reaporrelde for payment. N there is a memheMip fee for your ernara, the fee wiN «arttlrrea ro he dre to the ermert[ p milted try law, usll the rrtxberrt rice Ms been paid h tti as tb6red shove. 7. Uairu Yar Aoaant.Vax card err amass urmt he h rararersim wiM sty iraertet gsnbgrg trseaetiore. 8. Ittofioa Abet Ektotrmio dtrok Carvermt. When you provide a check ere peytrtent, you audndze ro either ro tae infametlen frtm ytrur tlteclr ro make s me-time dtrsralc fad trerefer from year bark atxoent or ro prooras the Peymstt as s dtack trsractWrt. When we tae infomtsbat from your tireck ro make an dedraric frrd trsefer, flrtdr may be witttdawn from Votes hank aes:otra as soon as the same day vve rerdve Vnr payment, aril you wNl roc raceiw your dock beck from yar ikendel kedttwlert. DIWNO Rk3FfTS SUMMARY (In Case a Errors Or Otaaltae About Your Bile Ii you think your biN is wrong, or if Vro treed mom iMormadtn to a traratactitn a hNl, vvdte to ce m e aeparde sheet as soon as poes~le n the address fa irrglldd shown m the tress of Wes stnemart. We moat hear from Vat ro later than 80 desyyss char we cars you the flra hill an whch the error or prahlem appeared. Yau un cell cur Gstomer Fleletiere amber, but tldng so vMN tai preserve your d~ttb M your lever, give ro Me idlowirtg inbmatitn: your name and atxarrt camber, 1M tkllar amour of the suspected error, a deacdpdon of the error and an etplarefitn, if ptedhle, of wwhhyy you belinve them is m error; of it you reed tram inbmtatim, a desedprim e1 the hem you em orate char. Vou do rot have to WV anY amain in geresNen wNle vNe are kwestigetirq it, bit you are sriN °hNgsted to pay the ports of your hilt that am not in tlereaBtn. While wa inveetigefe your treatltn, we tartar reptxt you as deNrrpras or take any actin to collect the amaua you Qreatim. i,t Spedd Fide far Credit Card Purdeaes If ybU Moe a problem with the t}relity of property er aeMcea that you puroMaed will a eredt card end you Moe tiled in good fdM ro correct the problem will the merdem, yaer may Mve Bra d¢s not ro pay the remairing amore due to tM prapeny or centres. Yau Moe Mir protectim aNy wfan the purchase price wee mom then 860.00 aril tM purchase wee made in your home slate a within 100 miles of your mdNng address. Ilf we own or operate the mordent, or if we mailed you the advertistrrlent br tM preperry or services, aN puroMaea are covered regerdeae of amaum or locadm of purdtese.) Please remember to sign all oermspadaae. t QOe.4 set e(!p/y ~ oer1a/1?ler tan-rJad%1 cord ecraata f t)ttr_s rot apply m dtseress naruedit card acmtnts Capital One supports infamatbrr pdvacY Protection: sea tea eat www. Itrte.cem. Caphel One is a c raNy registered service mark of Capital ~er~al Cotporetien. All rights reserved. ° O~ LBAK 1. FMw To Avid A firrtsa gtrpa. ter. Qaea Period. Vou will have a mWmrm grace period of 25 days vuiltroet firtsae the m crew purdt-es, rases belertce trerefara, rew ~edN ptxtlteaea aril rew mbar riergaa if Vro PaV V~ tad 'Now Belertoe', fn eeeoMarra wlM rite Nnpottant Notice for psytttsas below, and in time for h ro he txedted by your nerd astemsa doairtg date. There is ro grace period m cash advarttm aril apadd trarteTera h adddon, them is ro gace ported to arty trertaertian if you do not pay the told 'New belartce.' h. Atxnip Firrstw Cirsya. Traruectitrn vrit{dr are not arLjeex ro a green period am a®eaed llnartt.~e charge 11 fran the date of the tmreactim or 2) irortt the data the trerraection is prorr~aed to your Atxbrra or 3) from the first relerdar day of the scrota biNin~ period, Addtkrtelly, if you rid rot PaV the 'Now Balance (lmt the pmviaw ttiNirg pedod'n feN, fkterae dtergas txrttlnte to accna ro your unpaid ltdsrE trail the enpaid bdertr~ is paid in fid. This meere Met you me sNN owe fneroe tiergea, even if you pay rite wire New Balance indceted an the fraa of your satentsa try the next stdsnsu dodrg date, bu ofd na do eo for the pretdota meraft. llrpeld flrertce dtarges am added to the aegrurx of yar Amara. t c. Markraam Fitarra .For r~tfi billing perod Mat your rrrnotra is set ro a flrtmce Berge, a mkrkarn total FINANCE CFrIgAe E ofrgx0.50 wIN be imposed Ifytohten odc eret (s) isis ksa tfwt 60.50, we~M ~roct Met errtorra from tfe 50.50 mirrknem acrd the dfkrstce will be hNlad to the perdese sagrrs~ofyouur aocant. t' d. Tarrpvsy Radrrolitn in Flrtal orspa• We reserve tfre dgia to not sasses arty or eN flrtertce dtarges for any even hNNng ported. 2. Avrspa DvV Bslrtaa f kl°kdnp haw Rrdraasl. a. Fnarxe Berge is calalned by mtltiplying Me daily balance of earn segrtara of ydw Amara (e.g., rash advance, ptrrdt-e, apedal trerrafer, aril apadd prrdeea) bV ~ corraeporrdrtN DIY Psiodc retalN dot her been pretloralyr darJosed m you. At the aril of eadt day Arks Me hNirrg Period. we ePPIY are ~V PsioBc rate for eerF segrten of your accent ro the Yelstce of oath of tleea daily orala/eticre toy M yaaudrd uP r~reci~ta fromfrem eadt~~ ~ each segrnaa. We add ep the firence lira ~aegneH ro waive at the tad padodc for eedt sag ra of~yotrr erxantT v~ ta)ce the Vbegirrirtg balstce for eadt segnent acrd add ssryry crew trseacdtae and arty pedttdk: (kterae drerge calaleted on the preMOle days Mlerae for that segmen. We den shtreet sty paymeras a cradts posted es of Bet day that era dbceted m net sagrrtera. TFtis glues u the reparete logy belstrP for eedt segrrertt of your atxntra. Flowever, if you mid ills New Balstrn elroaart m your prevlara atatemera h fill (or if your raw balerrce was zero or a cradt stoats), raw trravsrrctiere whidt peat ro yar pexdeae or spedd purdtaea segrreraa em rot sdrlad to the daily balances. We r~lalate tfe average deNyy balance by adding eN the cUeNy bs together std dvidng are srrrr by the ember of [fe t18y kl lfe Owfefa 61NYg cede. To celculate Yaw Loral firertce dterge, nxltiply your average tleily helsae by tie MNy penode rMe and bV ire anther of eley in tM biNirg period. Due ro rardrg an a daily basis, there may ha e eligla vadstce between tiffs cekYlation and the arrant of Nrerrce de acnaMy a-e-ad. b. If tM cede Z or N appears to tM tram of this atatemas nerd to 'Balertce Rata Applied To,' we raltiply the 17434M Irrpartara fbtiaa: Paymttma You mail to w will be created to you atxant as of the hrrairresa day we receive it, Provided 111 you sand the bottom portion of this rnatemerrt and you dock in the endoaed remhtarae envelope and 12) ywr paymem is received in our pro~rg terser by 3 p.m. LT (12 croon PT). Pltrsae alkrw at least Ave 16) bearreae day for postal delivery. Paymana recelve0 by u et any oaer locnion or In any sheer tam may not be created as of the desyy we receive them, Our btsire~ day are Monday Mnaph Saturday, etrdudng hdiday. Please tb rat use staples, paper dips etc. wlen p dog your pa tari. When send ce a dreckls), yotr aWadxe to to make cone-tkne electrarac trareter dedt hour atxant br tM emourt of the dteck. TNa eutladxatian appear to aN drecka mceived durkg the bNlkq cycle even it rem by eameera else. It we carrot pracesa Me trarwkr, you auNtodze ce to make a dtarge ageiret your bank acceun t»rtg the dock, a paper tkah or other Item. Do you know what's on your credit report? Creditlnform® empowers you to manage your credit; • Get a customized easy-to read credit report that includes your credit score. • Receive detailed quarterly updates that you can use to spot identity theft. • Consult with Credit Education Specialists or use our interactive online tool. Appraudmately r~ million Americans - that's i in 8 adults - have had ifieir idendpes stolen over the past flue years. -~BS~,,,~~ooa= Cc"Zp#~,~~~ GOLD VISA ACCOUNT 4388-6418-2716-8845 Accounts Previous Balance 1655.60 Payments, Credits and Adp>stments 145.00 Transactions 166.% Finance Charges 110.97 New Balance 1688.53 Minimum Amount Due 120.00 Payment Due Date December 27, 2004 Total Credit Line 1700 Total Available Credit 111.47 Credit Line for Cash 1700 Available Credit for Cash 1]].47 At vour service To aD Ctutomer Relatioro or to report a lost or stolen card: 1-800-903-3637 For free online account service and special astomer offers, log on to: www.cspitalone.mm Send payments to: Send inquiries to: Attn: Rrmittante Processing Capital One Services Capitil One Servim P.O. Box fi5147 P.O. Box x5015 Riclmond, VA 23276 Richmond, VA 232fl5-50]5 1-877-53o-so23 Call today to sign up for Creditln(orm and learn what's on your credit report. When you tali, mention your reservation # 4633o3sz Risk-free for 30 days. Offer expires: ox-x&o5. Credit InfDrm' ~.w.w y ~r OCT 28 - NOV 27, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 05 NOV CAPITAL ONE ONLINE ACH PAYMENT 120.00- 2 24 NOV PAYMENT RECEIVED -THANK YOU 25.00- Transactions 3 31 OCT KARNS QUALITY FOOD BOILING SPRIN PA 143.65 4 11 NOV TURKEY-HILL N0240 MECHANICSBURG PA 11.87 5 25 NOV TURKEY-HILL #0240 MECHANICSBURG PA 5.44 6 27 NOV CAPITAL ONE MONTHLY MEMBER FF.F. 6.00 Important Aaount Information We would like to take this oppomtniry to inform you that we may report information about your account to credit bureaus The reportirsA of your account information to credit bureaus contributes to your overall credit profile. late paymems, missed payments or ot}ser defa»lts on your account may also be re9ected in your credit repem. Finance Charges Plewe tax re:~aJirk for imfvrtant information Balann rate PL~iede Con syondng yI~I~ ~ appfrdra cafe A1PPR AA11CC PURCHASES 5689.47 .0513496P 18.7496 510.97 CASH 5.00 .05681%P 10.74% 5.00 ANNUAL PERCENTAGE RATE applied this period 16.74% • PLEASE RETURN PORTION BELOW WITH PAYMENT ~~i~~0i~~ 0000000 0 4388641827168845 27 0688530025000020002 New Balance 16SS.53 Minimum Amount Due 120.00 Payment Due Date December 27, 2004 Total enclosed 1 Account Numbs: 4388-6418-2716-8845 street opt -~ City State ZIP Home Phone Altrmaoe Phone ~ #9033325817229118# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Box 85147 lllnu~lluiinnitii `D liiiiiiiiii~ 902 ALLENVIEW DR Richmond, VA 23276 o MECHANICSBURG PA 17055-8604 I~~LIttILtJtiiurlrllnil~nlintiirn~uilrlniiurllrriei ~ L~dllrrrlllrrttLlttLLlerlrrll~~lle~rrlnllltttttlrl~~Lll Please rt»ite your aununt ntvxber on your rlxrk en money ordn nsade payable to Capital One Bank and mail in the endacrd enaulofv_ Phan pool mailing adairu medlar r-mail rl~mrrgrr &laa, rn;Kg blur a bla~E in.~ r Creditlnform puts the power of managing your credit in your hands. When it comes to achieving your financial goals, there are few things as important as your credit. As a Creditlnjorm member, you can monitor the accuracy of your credit file with a personalized, easy-to•read credit report from Equifax, a leading credit reporting agency. BY PHONE: EnJoy exclusive benefits wu ~-Bn-s3o~toz3 • Profile with credit score BY MAIL• • ATt online tool that Shows what influences your scale ~ Return this completed acceptance Form • Detailed quarterly updates online or via mail in the enclosed return emrelope • Access to Credit Education Specialists BYw~: • 3o-day risk-free trial wtvw.mycreditinform.com 1 4G33V312 15549 ® loop Capital One Services, Inc. Capital One Is a federally 2gistered servke mark. NI rights reserved. Equifax is a registered trademark of EquiFax Inc. `This quote was found at http://www.cbsnews.cam/stories/soap/oq/os/earlysttowJliving/money/maintitoz66.shtml.GBS News is not amgated, connected, or associated whh intersections, Equifu, or Capital One and does not sponsor, endorse or approve Intersections, Equifax, or Capital One products a services. I understand that Intersections Inc. cannot accept auMorizatton from airy other person other [flan the individual jdning the service soil confirm that I am requesting my own personal information and no other. I acknowledge that, to ensure corxfnrtous service, my membership will be automatically renewed a<the curtent rate, unless I tell you to cancel. 1 understand that lnhrsetYfons Inc. is ouMorlaed undercontroct with Eqquifax ro serve the inJlormotlonal needs ofcorsumers and assumes no Ilobifhy for In/onnaMm ctam)nedln mycrcdbnle. l confirm Mat/ am at feast r8 years of age. Note: We wnrrotwocess yourorder without your ouMorimtbn. roc Inquiri6 about Mls product or i(ypu wish ro biN a tfiJfereM credit mM, plerrse ran t-8a6•~zdyTgs. By rcspondlny to this oJ/er, you maybe communlcaNnp inprmadon about yorrrsetjro [he company Mot provides Mis product-Jar example, Mat you arc a Upha! One wsfomer. Ilte CrcdlUnfam serWce /s available to only one mrdholder per account !~ tliittit~ N~ ~_ i~ t~ S r 8 o ~ o ~ p~edaac rate. Te obtain the average logy balance for the hillktg~ dad covered bV tfis nnemem, we take the ~mnB halarx:e of each rgrnem each day, add any new harrrctiona to each sttgment, aM airtrect any paymmta or cteaB. (It the code N appears m the tram of this nnemart next to "Belarx:e Rate Applied Te," we also aixrect any upaid tktersce drerge irttittdad in the belartce of eaM segn~emJ Tfis gives td the daily balance of each aegndn. Tten we add tq all flee daily balarras for each aegnern far the cluing ppaled and avlde by the trod rxmhaegre et days k, the dilirq paled. This gives cats the 3. AmBI PieB~ifapa~nahae fAPRI. ~n~. e. The tarot 'AaaBl Paoattege Rate' may appear es 'APR' m the from of itls nnemem. b. If the coda P IPrirre), L 13-mo. LIBOR), C (Certitkate of Dttposft), a S 18ankcerd Pdtrte) appears m tfa lrerx of this statement rti><t m Me pedoac rate(s), the pedoac rates and correspertang ANNUAL PERCENTAGE RATES may vary quartedy and may irx7eaee or decrease based m the stated Indoea, as tared in The Well Slyest ./otrnal, ptn the margin oreviataly tflsdesed to you. These charges wiN be eHecdese m the fleet day of yax hilNrtg pedal covered by ywr palest natanatt enang in the nranhe Janary, Apol, JWyy~a~nd October. c. If the txtde D (Prhnel, F 11 irro. LIBOR) a G (3itto. LIBOR Re~dced Maxfiy) appeaa m the ham of your nnanart rntn to the pedodie rote/s), the periodc rotes and rxtmespordng ANNUAL PERCENTAGE RATES may vary mrnttly aril may imreaee or decrease based m the stated Indces, as Teel h The was sneer JarrrN, plus the margin pretiady asdoeed to you. These Ganges will be etNCUVe m the flret day et your tllRng pedal eels marts. 4. Aesttrnrax of Leta, Owrirrtt ad Rahrrtd Patmtrrt Frs. Vou atxnnt wi la aetrseaed ro more than two of tta fees listed here [fat txnx bang arty tiWrtg Period. lJMer the terms of your atatatmar egmentent, use reserve tfa right m waive a mr M asaer arty fees Wthna pdor rndfiration to you wi[fnut wlvirg txx dgfs ro areas the same a smiler faea s[ a later time. 5.tRatsairrp Ysv Aesart. If a marthersNp foe appeaB m the hex of this sutemern, you hetre 30 days from the date tfis Batenterx was milled to you to A1,tlld peyhrg the }ore a ro rave etch tee Cleated f0 yIXl if you rartcel your amdnt. Dtskg this period, you may txxxkare ro [sae you at»orrtt whhout Mvktp to pay the ndibyt r Wg ou ~m~ar Ralatime~De~a~mtterx artd pay yynn New Balarra' in TuN (tntdutfirg the nterrtbertYiprTee) prior ro the end of the W rty4ey period. 6. H You Cba Yar Aooourt. Vou can reQBe[ to do® atxxrrx by raNNg err t]Btamer Rttledon ~ertnarn. Vtxt nxBt destroy your crrsdt card(s) gird aomrnt auras drecka, cancel aA preadndzed piing, and cease your etxatax. If you do rte rarscel prearfrodzed artargarnaxs, we vvi corBidar rrxaipt of a titerga your alrfndzetion to reopen ydr atxntrtt. AdanataNy, ytxr aorarrx wi rot tti dosed rrVN Veu pay ar atrranta you owe u irairrartg: any dov Ax trt' ter refaced peyntertt fee~ras~hn aocotatt. You ere r aporB~ible h~or tftesa erttet~rre~wlather they appear m yttu aomtnt n the Urtte you regress to tioea the exarx a May are Irtarrad atbseQBrn ro Vac req.rast ro dtBe the amour. This may reap in drsrgea apprrkg m Var amornt after you have ytxr ecootrx if h has already teen dosed For exanple, d you arilndzed a purdBee pain a merchant end we receive Ute trarBat:tlm tram the memlwx after yore aCmlM raa torten tieeed, your etxnrri wi be reopened, the ayyomouuara of tfa George vvi la added ro your atratrx, mdartberaH tae re~aperaNxe for paytrtenz. N theta is a P ytrrr atsottrc, the fee w1N txxttinB to he tiarpad, ro ilea tsxtrsx Pamrhted by law, uxN dte atrarnt rtce has begirt pad h All r tbNrted above. 7. uaig car Aaoaax.Ytxr card a eocarn cerrot be [Bad M tnraactien with arty irnemat gemtling trsraectlorB. 8. taoHOa Abort Elsa6orria tlraok Catvrrms. When you provide a dBtk as peyrrax, you etrfadze u tddter to iBe informetlan from ysou back ro make a onetime dectroric fled trerefel from yttu tank aaarx a to proceaa the peyntertt ss s tlack trarract)on. When we use information ban ytxr dads to make r dectrtric And trttrtsfer, funds may be wfddrawn from yar bank eOCalit ea 8oen as the same day we receive yntr peytttem, gird you will rot receive your Creek beak tracer your tirarrdd iraUnrtion. BILLING RIGHTS SUMMARY (In Case Off Erma Or OtBadats Aheut Yeur eilq If you think your hill is Wrarg, or if you mead more intennatim m a traneecfim or tlll, wrtte io tam a seperne sheet r som as posaihle et the address far irtgsiriea shown m the feint of ilia stnenent. We roan hear from you m Iner then f10 dayysa after we tBrtt you the fire tlN m vvfids the error or problem appeared. Veu ran uN our Ctattmer Relnims camber, tea ddng so wIN oat Preserve your rigrna. M your letter, glue ce the tollovsing mlonnatlon: your name aril arx:arx rartnbar, the dollar amour of the srapated error, a descdptim of the error and en explaruMm, i1 potWtle, of why pica believe them is an error; or if you coed mere tnlepnatrrt, a desedpdm of the item yns are trarre aban. Vau do not Mve to P•Y any amour in tfBStion vvfa7e we are inveatign h, tart YW are still ohligetexl to pay the parts of your tl that are not in rlrtestim. WNIe wa Invaatlgete ywr grBStim, we carrwt report yew ore deNrtquertt or take any amien to tbllmt tfa amarl yen ttseatim. 3,t Spedal Rue For Cruet Card Purctases If Ym lave a problem vhh the qudity at prgarty er rnirxa that you prrrhased WM a areal card and you lave tiled in good faith to cerrecl the problem wfM the merolarn, you may Fave the right not to pay 1FB remaining amarn due m the p~eny a aeruitxn. Vtw have [Ns protectim txiy wftm the purrhefe pdce was mere tMn 950.00 Bid the pundase wee made in your home state or vittin 100 mike of you mlgng sddreas. Ilf we ovn or operate the mereftern, er if we mailed you the advenisanan Ta the Property or services, aN purdretres are covered rttgerder of amarn or leealm of purohaae.l Reese remnnber to sign all correspondence. t Dees not apply ro rxmsrrrrr~ ran-rfedY rats accounts t Qoes rot eppty ro business ran-rJediz rani acranzs One etlpporta kllormatien pdvacy protection: see car at wvvw. akrta.can, One is a rally repetered aerNce mark of Capital ertdal Corporation. All rigma reserved. 0 2003 One OILGLBAK 1. Novi To Avdd A Fisrros Clsaya. tor. (traea Paned. Veu vaN have a mirimtm grace paled et 25 days wiMnt Roams Large m rew purCars, now faience transfers, raw apedal purdasr and new other riarges if you pay yotr total 'New Balertce', in accordance with the knportant Norira Tor peyrrtarxa below, aril in time for h ro be created by ytrr next Betentmt dosYg date. Them is ro grace pednd m ce~ edvampa end apedal trsralera. M atltNden, there is ro Reece period m any traraectiart if you do rot pay ese total New ixaleme.' h. Aoarirg Fitarr []rags. TrerBactiaB viriris are not to a grace ptxlod am assessed theme barge 1) ftecrt the date of the traBattien a 2) from the date Me traaaction is processed to yar Arxant or 31 front the first caroler day of the arrerx tiNkr~ period. Adatiaally, if you ad rot PeY the 'Now BaNnce from the Pretdotts biNirq pedod'n AtN, iirtara dierges txrsinB m accrue to your tatpeid balertce trtel the irtpaid belarree is pakt in fUl. This meere teat you may adN owe fAtatre Crerges, even if you pay the triUre Now Belarrce irtaceted m the frax of your atetmtelx by the ceXt 8[9[erllent doeirtg date, lxr dd rot do r Mr the pleviotB month. llrpaid finance largos are added ro the eagment of ytxr Atxaar[. t c. Aiiirrartr FirBras .For each billing pedal that tt d R CrHgAaA(roisElotlfrg80.50 wN~ apymi ported. InfymUot~er pedoac reteW is kaa thn 30.50. we wiN ceatxrect that ernorrx from the 90.50 mirwram aril the affararra wIN be hiNad to the ptrdtre o} you acodrx. t d. Tattpatry Rabtadm ir~a Chrga. We reserve the tight mppaero~t area any er MI Mtsrrce titarges for eery given 2. Av DYy ISslaaa fAroksrit0 Now Prdra.at. e. Rnarrte charge is caktiated y mJUplyfng the daily bdartce of rill aeprraa of your accernt (e.g., ceah adverrce, purdaae, spell trerrfar, aril apedal prniase) try the certasporrdrtg dally perfoac rate(s) [fat Ms been preNady asdoead ro you. At the trl of rrh ley durinngp the hiNkq period we apply the logy pedoac rate for rch seprrarrt oT yaur~eccaaN [o the d~a~N_y kalarrce of eadt sagmax. Than et die aril of the dlxrg Period, we add rq the reacts of tlaae daily ralaietiorB to erdve at yaw pedoac hiertce barge Mr tacit segrtterx. We add tq tta reaps from teach aegnent to emus at the teal pedoae flrance Cargo for yar accdrx. To get the deity blarrce (a eadt aegrrent of yttu amant, wa take the trepming balerrce for [stir sagrrrdt aril add eerryry clew trarBecdrxB artd any pedetlic tirteme large cakyleted m tfa pravinB day's heroine for that segttem. We [fan ath[rtta eery paymaxs or crrsdts polled as of fiat day dot are dlorated to [fat aegrrern. Tfia gives ce the aePareta daily heroine for exh srtgnern of yrtu arcorrx. ilovvevar, if you paid the New Belatce sltovvn m you prrsvinB statentorx in Ail (or if your raw balance wee zero or a treat amarx), new treraacUon wftidt poet ro you purtitre or apsriel purdrra aegmerxa ere real added ro tla daily baMritxB. We cekxiete the avemge daNV belarroe bye etiarg aN the daily talaxas together ertd aviang Me arm by the nmhar of the days to Me arrant 6ikg eyrie. To celesia[e ytxr total frartce charge, nxitiply yotr average d.Ny bslertce tw the daffy pedotflc rate and W the naarrher of deya in tfte billirp pedal. all ro ruardnq m a logy basis, tram may be e ~x vadertce betvreen this celdle[ien ctrl the ttmarn of firertce titsrge ecntaNy assaeead. h. It the node Z or N appears m the Iran of this saleroom tell ro 'Relents Rate Applied To,' we muhiply the 17696M YES, I want to safeguard my good name and uedil raring with with Crtditln(urm. I authorize Capital Onin bD forward this coupon, which Indudas my account number for tlNing purposes, on my behalf to the comparry that provides this product. I have read and agree wIM dte important terms and dixbwres below and authorize Intersections Inc„ provider of Cmdltln/orm, to obtain my aeda report and monitor my credit fik a[ Egrdfax` signature Name (Please Rint) ®®® Please fill in the last four digits dyour Sock) Sacudry Number (Required) DEBORAH L 6RAlfAM goz ALLENVIEW DR MECH/W IC.SBURG PA s7o55-8604 Inpartsrx Ntxir: Paysrtartts you mag to tB will bepcaredited to your accent as o1 the txBkteas day vve rtrceive it, provided 11) ytar send the bohlxn perdm of this rinemem and yurr deck in the endoaed remittance envelope end 121 Your I ~~ ie nrtceved in car aocesaino corner by 3 p.m. ET (12 noes Pi). Renee aNow at Irm gve (5) bwineae days for poorer dsNvery. Payments received by tB at arty oilier locatim a n any otfter lam may real ba cradtad_ as of tfta leyy we receive tMm. Our brBkma deya are Marley thrwat Sanrdey, ezcluarp hoNdaya. Reese do not use trtaplra, paper dips etc, wirer[ prepadng pa ertl. When you earl us a dteckq), you audtodze ce to make a me-time dectrmic trarnbr debh from you bxtk accent for the amourt of the deck This trttdtodzadan appl~to MI dtacka recaved during the dlfirp cycle even it sent by aamcate doe. If we carrot process the irarBfer, you authodze ce to make a charge agelnet year bank arxxtrrn clang the dteclt, a paper draA or other Item. ~~ eo le crMonline p p p ~ Abetter way to Internet. ~~ Sud up to ~ • 5x fastert~-, ~ ,• '~ FREE Accelerator rays ~ ~z monthsr-a X60 value! 1-888-587-9669 .' • • ~ Mention Offer Code: DOLLAR •~ Visit www.peoplepc.corn/go/dollar 003 VNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by symaritecr" ® Pop-Up Blockerr"' `~ Spam Controls ~ Smarter Smart Dialer Technology ®~ More Email Addresses ® (~ Internet Call Waiting Ciap~tall~~• COLD VISA ACCOUNT 4388-6418-271Er8845 Account S Prevmrts Balance =688.53 Payments, Credits and Adjustments #20.00 Transactions =26.00 Finance Charges E10.66 New Balance 3705.19 Minimum Amount Due 321.00 Payment Due Date January 27, 2005 Total Credit Line 3700 Total Available Credit #.00 Credit Line far Cash 3700 Available Credit for Cash 3.00 At your service To cell Customer Relation: or to repon a lost er stolen card: 1-800-903-3637 Fer &ee online acoennt smi« and special aatomer offers, leg onto: www.capitalone.mm Send palTnerus to: Send ine}cirics to: Attre Remittan« Processing Capital Ont Serviors Capital One Services P.O. Box 85147 P.O. Box 85015 Richmond, VA 23YJ6 Richmond, VA 23285-5015 Important Aomunt Information It's Capital One Bowl Week tune again! Tune in to ESPN, ESPN2, and ABC starting December 14 for the best in post-season college football action, to see your favorite teams fight for howl championships, and for mllege football's ultimate prize: the BCS National Championship. And on New Year's Day, be sue to tune into ABC to watch the Capital One Bowl and see which mascot is crowned the f Capital One National M~cot of the Year! n m NOV 28 -DEC 27, 2004 Page 1 of 1 Payments, Credits and Adjustments 1 18 DEC PAYMENT RECEIVED - THANK YOiJ t20.Op- `I~ranaartiOrl3 2 21 DEC BJS FUEL #9025 WOX HARRISBURG PA 3 27 DF.C CAPITAL ONE MONTHLY MEMBER FEE 320.00 6.00 Finance Cltatges Plearcrx rerxrteridefnr imfartant isfrhmatron BdaRnrmre PesteTr CarrA g ~,~1I "~ applirdto she PR C:t1AK(iN: PURCHASES f69L87 .0513496P 1&74% 510.66 CASH >i.00 .05682%P 20.74% i.00 ANNUAL PERCENTAGE RATE applied this period 18.74% • PLEASE RETURN PORTION BELOW WITH PAYMENT Capita~Qng~ 0000000 0 4388641827168845 27 0705190020000021008 New Balance 3705.19 Minimum Amrxmt Due 321.00 Payment Due Date Januat 27, 2005 Total enclosed 3 Accamr Ntunbea 4388-6418-2716-9845 Capital One Bank P.O. Box 85147 ~~~ua~~nnt~t~~nt~~ Richmond, VA 23276 ~u~t~ai~~m~i~~us~a~~u~~ua~~ut~~nnn~~a~n~~u~~~u~s~ Plemr pi;xt mmP.ng~~ mrd~ore-maild~BK aetom+a~S' bh<e w~t~;nt: Sneer Ape ,Y City Snee ZIP Home Phone Altansa Phone 0 Email Address ~ #9036325817229115# MAIL ID NUMBER DEBORAH L GRAHAM .~ 902 ALLENVIEW DR ~ MECHANZCSBURG PA 17055-8604 ° - ~ ~au~~~ut~~~mt~i~n~s~s~u~u~~u~~uu~u~~~uui~t~u~t~~ PLare vniti your acmunl numbs on yoar check m money order made payable to Capital One Ran,F and mail in the errclated errcelope peoplepctM online ~ Abetter way to Internet, UNLIMITED INTERNET ACCESS . 1-888-587-9669 ... Mention Offer Code: DOLLAR Visit www.peoplepc.com/go/dollar PeoplePC is solely responsible for this offer, and is not aNdiffied with Capita One. CapNffi One does nil provide, endoroe a guarantee, and is not affiliated with, any protract a service shosti here. Any traderrtarks mentioned herein are solely owned by the respective entlry. All rgMs reaetved. By rttspondktg to this orter, you may De cormtttnieating iMomia6on about yourself to the rbmpariy that provides this product -for example, that you are a Capital One cufficrrer. 'PeopbPC Online: First 3 mantis era billed at 54.97 per month; 59.95 per month themaftec Offer avaiable to ratty dial-up subscribers at fast 18 years d age and may trot be redeemed with any arras oft. Offer subject to charge at any time. Phone technicffi support available far 51.95 per minute. tAccelerata is free fa 12 mmths. Otter good tar limited time. After the first 12 months, list Accelerated service wNl automatically revert ro the standard PeopkPC Onlne service. Offer subject to change at anytime. With PeoplePC Online Accelerffied, txrlatin YYeb page text and graphip wYl load faffier when corrparod to ffiandard did-up IMttmet service. Actual results may vary. PttoplePC Online Accelerated le Doty compatible with PeoplePC Ordine Imemt#tlervica and specified Wirnbwis® browsers. PeodePC Onlne Accelerated is not canpatibk with Wndowtl®% with IE 5.5 SP2. Service rat avaNable in all areas. Access fees, taxes, and other fees and restrictions may apply Telephone td charges may apply, even during trial periods. You are responsible for dffiermining whether a caM ro one of our access numbers wit resuN in telephone tell charges. Aoceas may be limited, especiffily dung times d peek usage. Dialrtp numbers may be changed at PeeplePC's tfeaetiett. CoriBnuaus use atlbject to Gmeout procedures. AI use a subject to PeoplePC Ordine'a Services Argr6errient and Acceptable Use Policy 55K is the matrkrarn speed of service; actuY speed may vary. 0 2005 PeopbPC Inc. All Rights Reserved. PeoplttPC Online and its bgos era tradetT~ks of Peopl~C in Bic U.S. and other cawtries. O 2005 Capital One Services, Inc. Capnal One is a federally registered service mark. All rights reserved. 8 ~~~ Iz. m ~ N ~N ppeedock rate. To obtain the average daffy balance for the bNlhg Petlad cevered hY this hatemari, we take the be4mn9 belartce of each aegmem eedt day, add any new trara:enicrv to each segmem, acct suhtram any peymatta or credits. (11 the code N appaan m the from of this atatrrrterrt next to "Balance Rate Applied To; we also sthtran any utpeld frtertce titarge irduded in the balance m astir x~tern.) Tfis given ua the dally bffiarax of melt xgners. Then we add ty aN the daily belartcea for each aegmem for the bitting p~erod end dKde by the frost rxanher of days in tle iNing period. Tfra gives rn the average daily balarax of eadr aegnem. 3. Arcata Ma~tapa Rotas (APfI). a. The term 'Amax Perceruege Rate' may appear es 'APP' m the front of this statement. b. If the code P fPrkttel, L (3{no. t1BOR), C (Ceniflrete of tIaiemasit refs foams ~riodc~ ep) theme pter~edst rates acct certesperrdrtg ANNUAL PERCENTAGE RATES may vary quarterly acct may irtneex er decrease based m the stated indces, as 7ound h The Well Street Jcuttet, pirn the margin ppreviorarly dedosed to you. These therges vAN he effective m the first day of your tilling period covered by year pedodc hhemem ending in the momM Janrary, April, Jt/y and October. c. If the code D (Prime), F (trrro. LJROFZ) a 0 (3ato. LIBOR Repriced blandly) appeare on the ham o1 year natemem roxt to the periods rhe(a), the pedodc rotes and cortesportdrq ANNUAL PERCENTAGE RATES may vary memNy acct may increase or detxease based m the stated iMcr, ore tersxl b The Walt Street Jarttal, plrs the margin previarrAy dadosed to yet. These tirartgea wll he effective m the fret day o7 your tilling perieA each march. a. Arrsrrtatt d Leta, OvarNntt std Rabartad Payrrrrt Far. Your assort vAN Ire assessed ro mom then two of the fees Hated here drat omr dM^0 ors/ hiNMg parted. Under the terms of your aatmter agreanertt, ova rmarve the right to waive a trot ro arax sty fees wftfar prior re»flcetton to you wMrou waivig cur ri~tt ro a®ar the sacra or rirnNer fees et a later time. 5.tflatawfrrg Yrrrr Aemrs. If a memberehip fee appears m the Trmt of ttis eretentartt, you have 30 days fran the date dris statement ores msNed ro you to avoid paying the fee a ro have atilt fee rrtedted to you if you tetrad yar aceant. Orritg tltb pericd, you meV eorrtlnrre to use Vcur amnsx eadtar hevhg ro DaY the memheralap Tee. Te cereal ytir armrr, you mrla ratify u by raWg our Lla[enver Relhiorn DePsrtmmt and pay yax New Bslsrce" h frll /etrdrtdrg the membersFdp tae) qbr ro the acct of the W rtydeY period. R. N You Class Yar ttaoaut. Vou ran regrtxt ro tioee yyoo srrnas bV reNig tar Ctrtomer Rdatlaa Depsrtrnent. Vou mraC daaroy ytxx cradt card(s) end aanratt arLer checks, cancel aN prearfnrized hiYing, acct ®ese yar arlnrra. If you do rot cancel praarhodzed ertartgdneres, vte vrfl mrider recrlpt of a titerge yar autlndzatlon ro ragren yyadrr acmrsn. AddtierteNy, V~ aoretrr wW rot be tiasad urvf Vou PaV aN antoutts you owe m ktdrtcing: any treraecdorte Va have arrltorized, Iktatce dtsrgr, past due lase, overwrtit fees. renrrted payment fees, reap edvara>e fees acrd anV rafter fees arerad to your acmrv. Vou are resperteihle far these entorrrs wttedier dray appear m your eanrrr n the tlme yet re¢rea to aces the ascots or they are irtarred srbaequara ro yrar re¢lea to tioee the amarnt. This may rash h detpaa appesrkYt m Yar acraratt abet Vcu have yar arrnrra if h Ms greedy been tioaed. for example, if you arrlndzed a prxcMx from a etmdara acct tore receive the treresc»m frorrr the rrterdrartt after yar ecrarnt has been closed, yar scceratt vuN be raoltened, the smart of the rfierr~gee vAN be added to yalr errant, and yYaertt oval be rasparitle for psywterr. M there is e membersNp tae for your ecraux, the fee wIN cert»nrte to be titergad, to the atdertt pemhted by Isw, untll the apcant belartce hoe been paid h fWl es delirod above. 7. Ilaitp Yrtu Aeeaart.Var recd a accent carrot le reed h rarcrarYicn vAHt any irremet genihNrtg trartraicre. 9. lbfbs Ater! FJaaksrria Otaek Qsrawraion. When you provide s titeck r psymartt, you arrlnrize ra eidrer to use hfametlan tram Vour titatic to make a artatime electrotic tact trertafer tram your battle aocoux a ro proeer the peymerrt ea a beck trsrectim. When we rove hfamstim from yar dteck ro make en demrmic find trerofer, fcada may 6e witlrdravvn Ttom your bank acoant r nom es the same day we receive yar payrrtertt, and you wNl rte receive yar deck back from ynr WtentiN rrts»tt6on. BILLING RIGHTS SUMMARY (In Cage OI Errere a Oreatlans About Vour Bilq 11 yw think yax hiN is wrong, or if you need mare iniama»m m a vareac»m or hill, write to rat m a aeparhe sleet es soon ea poaeble at the address far ingririea shown on the hem of this hatemern. We must hear from you ro later than BO deya abet vve oars you tie first blN m whidr the error or pratlcrrt appeared. Yeu ran ceq cur Cuetamar Relatbra arrrber, brrt dohg so tMN not pretierve your rigMa. h ycur letter, give rm the follovMng intermaflm~ yar name acct atxacln ember, the daNar amard o7 tie stupected error, a dretbtim of tie error acct an etrDlare»m, if possible, of wi,y ya, believe there is an error; a if yctl need more intomthrm, a deacripam of the hem you are urtartre abort. Vau do rcd Mve to leV env amourn h grathien whNe we are invenige»np Il, but you are hiN ahliceted to pay the parts e1 yea hNl that are not in question. a we h to you geat)en, vue rarvrot report ycu ore deNrrQrem or take any acticn to coNecf the amain you grtestlm. #,t Spedal Rrle far Credit Card Purcfeaes li you Mve a problem vhh the QuelitY of Pr~tV er services that you purdesed wish a credt card acct you have tiled in good faith fe correct Ue prahlrm with the mereMrrt, you may have the right not to pay the ranairirp smarts due m the prepeny d xrvttxa. You have this potection asy vdren 1M prmirex price wee mere tMn 960.00 acct the purrirex was made in your hone state er within f 00 miles of year rnaiNrtO addrer. fli we awn or operate the merdtartL ar if we maNed you the advemsemern ter the property er aertlcea, eN purrlwaes are covered regarder of ametrn or bra»m of prn9tase.l Please remember to sign aN cerrefyondertce. t Does rot apply h cattsrurer non-credit card arrntnts Y Gees not apply to Gaevtess nrtn-dedif tad acceuotc Cadtal Dne etN~porte infamy»on Privacy protection: ace as eat vvvvw. talone.cam. Capital One is a telly reghtBred service mark of Capital One Frtaraiffi Corporation. All ri¢rta reserved. 0 2003 Cadtal One D7 LGLBAK 1. lbw To Avid A Fitsrtos tltr~s. tor. Qses Period. Vcu will have a mirrmcm grace period of 25 days without flrtertce titarge m ratty purdtesea, new belartce trerefere, rew,pedal prrtiteaee sod ratty octet charges if you PaY blur fetal "New Ralertce", h eccerdartce whh the knpertarx Notice ter peymmis itelow, and h titre for k ro he credited by your card aretemerit tioelrtg date. There fa ro grace peripd m cash edvartces acct spend trertsfeo. h adddon, there is ro grace period m mY transaction if you do rot pay the total 'New belartce." b. Aovuktg Fn>•tca t7rargs. Tranaecticrts wtich are rot fro~the date of the~t~ranaartionhmr the date Vie) trarrretien is prorasaad to yarn Accecatt or 3) tram the first calarder day of the arrP1Y biNkt~ period. AddtiatelN, if you did rte PsV the 'New Bdertce front the previazs biflirr9 period h fuN, Ntertce titsrges cerskate ro accrue to your updd belertt~ caail the utpsid balertce is paid in left. This means that you mayy tttlN owe firtertce dergaa, evert if you pay the rlsire Now Belertce ktdcated m the fras of your rrcatement by the rxad sretemeru tioeirtg date, hr rid rot do so for the previats mattlt. lNtpeid flrarne charges are added to the appkrahle segment of yea Arrarnt. tc. alrstirtaan Pirates tags. far each billing period that your armru issp act ro a Iktatce darye, a mirtkam rota RW4NCE CI-IAl(GE m 90.50 vuiN be mpoeed. If the total firtertce therge reslur~ from the of yax pedadc care(s)s less »txt 30 50. we atbtract that amnnt from the 90.50 rrwtkram acrd the dfferartce vviN ba biled to the ptrdtase of yar secant. td. Tanpaary Radrretlm in iF t~rss ar~gs. We reserve the dgra to not asset arty or eN tinertce titerges ter mV given 2. Av ~ D~iit Balers, iktsasia New Nrdrsrl. e. F&wrrce charge is ralalated V mrhiplyirtg tie daily balance of astir sagrterrt m year aocara (e.g., mah advantaa, Pte, ~N Irarrafer, acct spatial prrrlase) by the rnrt~ondr daNy pedodc rate(s) that has been previatdy d to you. At the acct of each day tits d~9 Pend, w'e aPPN the ~Y P~ rate for segmers of year aooant ro rho deNV balarre of esdt sagrrtertt. Then h the acct of »te bring period, vve add rp the reaps of these relalettar to emus h r~mrlre fromfrorrr estit~aeprters aetitaegmertt. We~edd r>p the flrtera>e charge for your aanutt. To ~ the daily balance ter astir sePr~ of Yew ecraratt, we take the Ite~rath0 ttalartee ter earn aegrterx end add a rew tratrc»are acrd arty Jodie lkterrce rlrerge ralaleted m the pmtAous day's F~erra for that aegrterr. We tfvat subtrem arty payments a credts poaoad r of that day that am allocated ro tlat rtegnat. THs gives rs the separate drily balance for eadt segntmt of your smart. Flotvever, 'd you peril the Now lSelara ,town m your previorm aetanatt h ir11 (or if your new belatoe wee zero a a cradt anrara), new treraectiorrs wltkit poet ro Vat P or spetid pradmsa aeprterrs era not added ro the dsiy belartcea. We celalete the avenge flailyy~~islertce bV ad3rtg aN the daily belarteea together acrd dtridg the scan bV the ninrbar of life days h the awrartt bikg eytle. To celcrlete ydr last flrterroe charge, rahiply Veur average deilY bdaxa bV the dewy dock rate ad bV dre ember of days h the htllirtg pari~Drte to raatAng m a daily bests, there may be e sNglx veriarra between Ws celalatiort acct the amarn of Ikarrce sharps ectttaNy essraed. b. li the code 2 or N appmrs an the lras e1 this arhemem roxt ro 'Balance Rata Appfal To,' vue multiply de . . Irrpataa Notiw: Paymema ya, mail ro ua wNl be credted to your accarrn ea of the Mteirieas day we receive h, Pravidad 11) you send the bottom portico of this sthemem and you Check in the ertclceed remittance envelope and (2) your peKnem ie reserved in our wcondng Darner by 3 p.m. ET 112 rtoort FT). Rowe allow at least fve (5) bwineaa days for postal delivery. Paymerna recdved by u at any ot-rar loss»m a in any other torte may not be credted as of tie day we receive Oem. Our badness days are Mmday thrwgh Saturday, erodu3rq fklideya. Please rip not rate staples, paper dioa etc. wfwn PrePadn9 VWr WNnent~~ en 1'~>~~ t~ ~ kW, you aWwtize w to make a scat-tkna ebctratic tpraratter debh ban Yoe bank aecartt for the amourt at the dtaC This 8UItloriza»m a to a recei rg cycle even if aem b someone else. It we carnal racew the trarxbr, yw authorize ra to make a charge ageirtai your bmk octant using lira check, a paper drab or Oder hem. n 1 Surf up to 5x faster-~ ~ FREE Accelerator far t/ts f6st 12 -r-ortfhst-s e60 value) 1-888-587-9669 '' ~ Mention Offer Code: DIAMOND Or visit www.peoplepc.com/go/diamond VNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered ny symantectM ® Pop-Up BlockerrM `~j Spam Controls ® Smarter Smart Dialer Technology ®~ More Email Addresses ® Internet Call Waiting Capiitallfly~• COLD VISA ACCOUNT 4388-6418-2716-8845 Account S Previous Balance E705.19 Payments, Credits and Adjustments E21.00 Transactions E6.00 Finance Charges E11.57 New Balance E701.76 Minimum Amount Due E21.00 Payment Due Date February 26, 2005 Total Credit Line E700 Total Available Credit E.00 Credit Line for Cash E700 Available Credit for Cash E.00 At vour service To caB Customs Relations or to report a lost or stolen card 1-800-903-3637 For fro online sooourrt servitt and special customer offers, log on to: www.npitabne.mm S<Ad paylllent5 t0: Sefld N~11nlS t0: Attn: Remittance Promsing Capital One Services Capital One Services P.O. Box 85147 P.O. Box 850tS Richmond, VA 23276 Richmond, VA 23285-5015 DEC 28, 2004 -JAN 27, 2005 Page 1 of 1 Payments, Credits and Adjustments 1 24 JAN PAYMENT RECEIVED -THANK YOU E21.00- Transactions 2 27 JAN CAPITAL ONE MONTHLY MEMBER FEE E6.00 Important Account Infatmation We would like to take this opportunity to inform you that we may report information about your account to credit bureaus. The reporting of your account information to credit bureaus contributes to your overall credit profile. late payments, missed paymems or other defaults on your account may also be re9ected in your credit report. Finance Charles Pkartter naxrtttrdefor ineportant isfonnation t3mlmrnrmY Pbtiadr r~ g m alpplirdtc rote A R l:tlAKli1!: PURCHASES =706.27 .0527196P 19.2496 S11.St CASH E.00 .05819%P 17.2496 ><.00 ANNUAL PERCENTAGE RATE applied this period 19.24% • PLEASE RETURN PORTION BELOW WITH PAYMENT Cap~aili~~~ 0000000 0 4388641827168845 27 0701760021000021001 New Balance E701.76 Minimum Amount Due 321.00 Payment Due Date Febntary 26, 2005 Total enclosed E A count Number. 4388-6419-2716-8845 Capital One Bank P.O. Box 85147 ~~~us~~nu~s~s~ns~~ Richmond, VA 23276 (n~s~n~~ns~s~~ns~s~~u~~ns~~ns~~tnns~~s~u~~us~~n~s~ Pleare write your arraunt number cm your eo le ctM online p p ~ u Abetter way to Internet. Pti~rPr"'t'^°'ti'c8 nddms mcd~or r-raailrhmrgrs Letao t~urgahe ar blak nrk. Street opt r C ty S~ ZIP Home Phone Alsecnare Phone Email Addreo ~ #9002825817229114# MAIL ID NUMBER DEBORAH L GRAHAM m ~ 902 ALLENVIEW DR `° ~ MECHANICSBURG PA 17055-8604 w o ~- ~ns~~~ns~~~un~s~n~t~t~n~u~~u~~nu~n~~~uns~s~n~s~~ check m money order m~depnynble to Capital One Bank and mail in the enclaced envelop r peoplepc~ online u Abetter way to Internet. UNLIMITED INTERNET ACCESS 1-888-587-9669 ... Mention Offer Cod®: DIAMOND Or visit www.peopiepc.com/go/diamond PeoplePC is solely responsible for this offer, and is not afliiated wish Capital One. Capital One does rat provide, endorse a guarantce, and a not attitiated with, any product or service shown flare. Any barktrtarks mentioned herein are solely owned by the respective anti[): AI rights resolved. By respondkg to tMa offer, you may be oortxnunirating information about yntrself to the company that provides this product -for example, that you are a Capital One customer. 'PeaplePC Online: First 3 months are Oibd at $4.87 per month; 38.95 per month thereafter Offer avaiable to new dial-up subsaibers al least 16 years d ~ and may not be radeerrred w)tfl any otirer offer Offer subject to change at any time. Phone technical supprxt avaiable fa 51.95 per mnute, tAcceltsata is free for t2 rrxxrchs. Offer good is limited time. Aker the first 12 moreha, the Accelerated service wli eutomaticaiy revert to Ne standard PrtoplePC Onkne service, Offer subject tc Chartge al artylime. Wdh PtxtplePC Ovine Accrrlereted, certain Web page (qxi end gfephics wit bad taster when wmpered to statMend Gal-uD Interrtat auvice. Actual results may vary. PeoplePC Ovine Accelerated re only compatible with PrioplePC fktrne Intrtmetservioe and spttcified Windows® broarsers. PuoplePC Online Accelerated is rot coplpatible with Yrfindowy® 95 whh IE 5.5 SP2. Service rat available in all arses, Acce~ fees, taxes, and other fees and restdclbna may apply Tebpllone tell drupes may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers wiN result in [deplane tell charges. Access may tie united, especially during [knee of peak usage. Dia)•up numbers may be dtenged d PeoplePC's d'rsaetion. ContinuoW use subjtid to timeout procedures. AI use is act tc Services reentent and Arc bb Use PoN 56K is the maximum e~ ~0ae~ Or'line's Ag tfpta cy. speed of ttttrviee; actual speed may vary. 0 2006 PeopbPC inc. All Rights Reserved. PraplePC Online and its logos era trademarks of PeoptFPC in the U.S and Cher rrowltries. 0 2006 capital One Services, Inc. Capital One is a fr:derally registered service mark. NI rights reserved. ~~ t_ t• ~_ r_ 8 o j O N~ m ~' p~edodc rate. Te obtain the average daffy balance forthe tilling Period covered by [fee statemern, we [aloe the begimng halarrce of eadr segmad each day, add any new uarreactiar to each segment, and stbtract any payments or credta. (It the code N apprere m the trove of tfia statement rent 1e 'Balance Mte Applied~Tdo,' we also alrtract any trpaid 9narrce charge ifnndd in the balance of sect[ aegn~errt.) This gives u the dory balertce at ttadt aegrnerrt. Then we add tq all the daily balarNba far oath segmenn for the tilling pedal and dui by the teal nrrrhar of Mya in the hiNing period. TNa gives ue the average daily halerrce of each aeprrad. 3. Amrsl Pro~tapa Rats iAPRI. e. The tam 'Amtnl Peroertroga Rete' may appear as APR' m the hatt of this sretemad. h. If the rode P IPrkrel, L (3-rrto. LJBOR), C (Cerdfirete of Deposit), or S (Bankcard Prime) appears m the from of this natemart next m the pedodc rotate), the pedodc rates and mrrespardrq ANNUAL PERCENTAGE RATES may vary quarterly and may irtcreeae a decrease based en the stated indcea, as lolltd in The Was Street attma, plus tfte margin pprevfotnly dhtlaaed to you. These cF~rges WM be effective m the firer ley of your billing period covered by your periods aetemem endng in the manha January, April, JJyy and Octriter. c. If the rode D (Prkre), F fl ~rto. LIBOR) a O (3Krto. LIBOR Repdeed MamNy) appr~n m the fret[ at your statemem next to the periods rate(s), the peria6c rates and correapaning ANNUAL PERCENTAGE RATES may vary mtrtHy and may increase or detdease based m the acted irtdces, as lard in The Woe Street ./enrtat, plus the margin prerlady dadoaed to you. These drarrges will he effective an the Kral ley of your filling period each marlh. 4. Asssst M Leta, Ovrrrrtt ttrd Rsuntad Peyrtwt Fw. Your [[mart tMr he assessed ro more flan two of the Teen Nsted Fare [fat saw dutfrtg arty hillkg period. lJrrder the tame of yax aataner agrearrart, we resrve are right to waive a not to aree® any lase whhetr[ eda naiNration to you wfrMr wdtlrg cur rK1tt ro asas the same a aimiar fees to a late tLTe. 5.tRrtawiti Ynr Aematt. If a memberehip fee appearo on the free of this datrtAtera, You have 30 days tram the data this atatanaa was mailed to you to avid peykq the fee a m Itetre atrh foe rdaired to you if you rettoel ytxr atratrw. Dtskg this period, Yet ~V rordnte m tre you aooant Wtftat favkg ro pay the rroa rallktg Qetm r Reletiare~Deper~mtent and pay Wtr Now Balarce' M fit lext9ttrirtg the rrFan6arehr'p flFe) pAa m tM ad a tfa tNrrydvY P~d~ 8. N You Cbr Yar Aornrt. Vou Ten re¢eat ro clone semtra by retying our Qa[artar Reletlar ~pertrrtent. Vou matt dearoy yaw creel[ ravel(s) and arxaarrt a®® rirecks, rartcv/ dl prmtNgdzed bWkrg, and cease yar emarrc. H you do rot rend prmuftedzed anarrganene, vue wIN txutrider receipt of a large yaw atrhodzetbn to reopen Yya~w acrotra. Adrfiaatary, Yaw amore wN Trot be dosed trill ye, PaY aN amass you owe is kaiuArg: any trereaafore you lava authorized, fkratre riarges, Fast duo Tee, everlkrat fees, ranrred payment fees, rash advenee lees and arty altar Teas asesred ro yaw arxxxra. You are reepertatNle for tltes amass Wader say appear an yaw smart at the time you reQteet to dose the ecmtnt a [fay are irtnxrad aaae4tartt to yaw ret}tst m does ate arborrt. TFtis may real[ in drargs appaeMtg an your aocant after you have yaw acmtrx if h has dressy bean closed. For example, d you autMdzrd a purtieae from a memlen art we rrxdve the treteacam from the mert9ern char Va+ amnnt fee been r9osed, ytxw ncrotrw vdll be reopened, the emaru of the serge rnrW fte added ro vatr eocant, xtd yyoauu will to reaporeible for peymartt. If there is a manberdtip foe for yotw eomn, the fee vwr rmtkata to be [riarced, m the extarw pemritted ht/ law, tnti the aabtrx rrce has bean paid in fur as defired above. 7. l~ Yaw Aamnt.Vau card a amard camas be rtsdkt r]wlfterlfort with rrry irnemet gambrnD trerrectlare. 8. NtFaw Ahat FJeatsrtie tltesk Osrtvirscn. When you proviM a dreek s peymera, you atrhaiza u rtithar ro use ktfamstlon from Vour ritecir ro make a rwte-time electraric fund trertsfer from your bertk erratrt[ a m proreea the ppaeyntatt ae a tYeck trtxeaction. When Mrs use infttmtetin tram yew dteck ro make an dectmrric ford transfer. firxla may he wiMdrewn from your bank amarY s som ss ate same ley vve receive yar Payment, and you wrl rot rardve yaw stack back from your irendd kedttrion. BILLING RIGHTS SUMMARY (In (ass Of Errors Or Qtesaora Abort Vour relq If you 1Nrrk your hill is wrtatg, or ii ya, need more inbnnation an a trartaection a hill, welts tp ram a separate deer s earn as pasitle at the address for irrquids shown m tfa from of this natemem. We moat hear ham you ro later then 80 deya after we earn you rte final hill on Wish the error or problem appeared. Vou can call our Cttatamer Relatiore nunba, but doing so Wr not ppreserve your rigMa h your letter, give s the 4dWwing intomtaam: your tame end eccetrt nether, the ddlar smart et the attepeefed error, a deaedptidn of the error and an et~lanatiro, if paadtle, of whyy you believe flare is an error; or ii vat read mac infermaticn, a deacripdtn elf tfa ban you am trteue ebax. you do rot lave to pay any arnart in r>tteariotr Wie vve am kneacigetfnp it, bur you are still ahNOated to pay the carte of you hNl that ere not in gttesam. k vve investigate your grteation, we canto[ report you s delinquent or take any anion to cdea the amore you question. 3,t Spedal Fide For Crest Card Purt]eaea If you have a prohlan whh tla quality et progeny or aertFcea that you pundtesed Wth a crest card and yet, Fave tried in good faith to correct the problem rdtfr the mercFarrt, you may have tfa dgM rot to pay the remaining amaua due on the progeny a aeMcs. You Fava 1Ns praeclim sty Wren the purchex price was more then 950.00 and the purritase was made in van hone state a witfin 100 miles of yttur maiirg address. fit we ovn or operate the mereham, a ii rare mailed you the advenisanent for the progeny or aervioee, aN purchases are cetrered regardesa of amass or loreaon o1 ptrdrese.) Please remember to sign ell rorrespardatce. t Dena Apt app7Y to COM14WAd raL7-Uad%1 r67/ aC(alMt 4 3 Dens rot appy to ousntesa rorrcreda' revel accents One attppona infrtrmaam privacy protection: see ors at www. laa.oan. One is a vary erect aettice mark o1 Capital retrial Cotporaacn. 1 rights reserved. a 2003 One 01LOLBAK ta. Chaco PrtMd. Vou wfil have a mkimun grace peeled et 25 days without fktare dterga en raw purdaees, new belartre trerefera, new special purchases and new other titargaa if you fret/ your total 'New Belartoe', in accordance wiM the knportant Noac:e for peytrtaxs hebw, end in time fa k to he nadtrad by yar Trans[ aetemerx rierirtg date. There N ro gtaee period on cash edvarrces and spacial trarelere. In eddtion, there is ro grace Period m any trereatiat if you do not pay the total 'New bdartre.' h. Attaritg Fitanea tlvps. Trerreactiaa wfrirh are not abject ro a graoe period are assessed firtarrce charge 1) from the date of the trartscam a 21 from the date the traearlion is procesad to ydw Acmtrw a 3) from the first relerdar day of tfe asrent HNirt~ period, Adriaatdly, if you del rot pay the 'Now Balers from the preWata hirrg period h Tt1, tktertre derges txrdrrte ro amne to yotu trpaid belartce trxN the trrpaid balance is paid in fill. TFie mearo that you ma oar owe Gartce derges, even if You PBY the snare Now Balance ktdceted txr the from of your aetanaw try The rext aatrwrtax dmng date, hoc del rot rio so for the previata mesh. llrylaid firertre Barges ere added ro the argrterd of yaw Amara. t c riitirrean Fistas~For early billing period that your aaxaax issr~ ax ro a ftrtarrro Carpe, a mirtirrtrm tad pNANCE ddAfi!"E of 80.50 will be imposed If the turd firrartce rherga reaiarxa from the eppYratien of yryr pedodc reteW ie less than 30 50, wa wtr srbtract tlat smart from the 30.50 mktkam and the dfferrrrtce Wr be piled to the pudase ~artt of your accent. t d. Tarrpaery ReAtAim in Fitruv CNrgs. We reserve the open ~ a^V a aN firarrtx trierges fa any given 2. Awrape Daly Baitse fYtakalrrp 11aw Rrdresl. e. prams charge Ia rekUated y mthiplying the daily belertro of sect[ srtgmera of your ttrretrt (e.g., rash advartre, purdtsae, aper3d trarefer, and special prrdrse) by the daily periods relelal oat has heat Prev~dV d ro you. At the ad of sect[ ley dtxktg fire Nlrrrg period, wa aPdY rite daily pedodc rate for Tech artgmern of your erxxwnt to tfe d~el_ly relerree of aerh segrrtaa. Period. we add tp TFren M the std of tfe ~B the reaps of iheae defy rdnlstioru to arrive d pedodc firertce derpe for sect[ seDnera. We add tp the resits from melt tttFlrrent ro enive et the tots pedodc firertce dterge far ynw somtrt. To gat the daily bdarree balarrB ~ a yew aroant, wey take the lagirrrkrg end sty pedorfc firdtergs telealated m thetFe prenioue day's bdertre for [Fat aegnera. We [fan slxrect any paynteras a craAts posted s of that day that ere dloreted ro that aragrrtat. This gives ua the separate daily bderre for eedr aegrrtaa of your ttcmtnt. Flovvaver, if you paid the Now Belartce aMwn on yaw previaa ddartaa [n 1 (or if your raw balartta was zam a a creel[ amen[), rtew tratsasiae tt4tidt poet m yetr ptrchese or spedd purdtese aegtterrt em rot adM ro the defy helartrea. We ealelete the avenge daffy bslare by eddrtg et the daily balatcea together and dvrdrg the set by the amber of the days kt tie awrera hiirtg [.vela. To reloads ydw tad firertce large, raaaply ytttw average defy belatre ht/ rite defype Boric rate acrd by the nrrther of days in the hiring pedoA. Due to rart6rtg ro e daily heals, [fare may he a sfigtrt vadatre between dris relaarniprt and the entotnt of firerrre large ecn,ery esesed. b. It tfte cads Z or N appears m tfre horn of tFis statemem recd to 'Belartce Rate Applied Te,' we mtacidv the irrpartara Holier. Payrrrema ytxt mat to u WII be crtxhed to your accatrtt as of tfa brakes ley we receive it provided f1) you sand the bottan cordon of dla trtattwntxn and your dteck in the wtdottad ranitance anveloPe and 12) Your paymem h received in our procmairg cads by 3 p.m. ET 112 noon PT). Please allow at least 6w I6) bwiraea days tar paaul delivery. Paymerna receved by ua at any other location a m arty aMt torrrr may rat tie crested ea of the day we receive them. Ow budrrse days are Monday thrwat Seturdey, exdd Itoirb Please tto vac use sects, cape[ dips etc. Wren Prepadnp yds paymmt VNan you sad w a chxkla), you auatodze ue to make a one-1Nne dectrasc trarreter debit ham your~bark r• amautt for the arnart of the dtedc. This auihaizaaon eppfiea m aN checks received dakp the biting cycle even ii sort[ by someaa elae• It we cemot crease tFa trarrobt, you auUgdze ua to make a charge agairtrl your bank accara takrg the dreck a paper drab or attar item. 596721 5.25% APR Save money with one low rate Call now for rates as low as Prime, Apply today for your Home Equity Line of Credit from Capital One® and use ourrently 5.25% and have your money your new low rate to pay off other high-interest debt. Or you can use the in as little as 10 days! equity in your home, up to $500,000, for whatever you want. Far a Home Equity line of Credit, call 1-866-896-9596 Mon-Fri 8 a.m.-9 p.m. ET Sat 8 a.m.-5 p.m. ET. Or apply online at www.wpitalonemortgage.com Reservation Number: 6402 026 504 721 2 • Rates as low as Prime, currently 5.25% APR* . Interest may be 100% tax deductible (please consult your tax adviser} • $0 closing cost options You can also take advantage of our other home loan products, ~. including mortgages and refinancing offers. ~ *Rate in effect as of 01!04/05. taW/arQ~•~ mortgage & home equity- Capital ~~s GOLD VISA ACCOUNT 4388-6418-2716-8845 Account Previotss Balance ;701.76 Payments, Credits and Adjustments x.30.00 Transactions 66.00 Finance Charges =11.37 New Balance ;689.13 Minimum Amount Due 220.00 Payment Due Date March 26, 2005 Total Credit Line 1700 Total Available Credit ;10.87 Credit Line far Cash ;700 Available Credit for Cash 510.87 At yolu service To evil Customer Relations or to report a lost ar stalm mrd: 1-800-903-3637 For free ordine amount service and special automer offers, log on to: www.raprtalenemm Srnd payments to: Send ietquiries to: Attn: Rmtitmrme Processing Capital One Serviar Capital One Services P.O. Box 85147 P.O. Boz 85015 Richmond, VA 23276 Rid,mond, YA 237&5-5015 JAN 28 - FEB 27, 2005 Page 1 of 1 Payments, Credits and Adjustments 1 16 FEB PAYMENT RECEIVED -THANK YOU ;30.00- 'rmneortlotl3 2 27 FEB CAPITAL ONF. MONTHLY MEMBER FEE x.00 Finance Charges Pkareter rer.Yrtesidrfor inrpnrtant information Ralaea,mli Peiodr Corrv~uwding ~1IAN `~' ~, opp/Kdro rotr APR C:HAjZIiC. IJ 00 P RH1iASFS 1695.88 .05271%P 19.2496 !11.37 ~ t. 5.00 .0581996P 2].2496 1.00 ANNUAL PERCENTAGE RATE applied this period 19.2496 PLEASE RETURN PORTION BELOW WITH PAYMENT C`-~p-jta~Qng• 0000000 0 4388641827168845 27 0689130030000020003 New Balance (689.13 Minimum Amount A>e ~O,Op Payment Due Date March 26, 200.5 Total enclosed S AocarntNumlrey- 4358-641&2716-8845 street Ape t ~eY Srre ZiP Home Phone ALznuoe p•pae - L'rnsil Addrea '~ #9005825817229111# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Box 85147 ~~~nr~~nr~n~u~r~r~ r, ~ 902 ALLENVIEW DR Richmond, VA 23276 ~ ~ MECHANICSBURG PA 17055-8604 ~u~r~u~~ru~r~~nr~i~~u~~us~~tu~~nuu~~r~n~~u~~~u~r~ ° !lam ~rn~~~m~~~nu~r~u~i~r~u~u~~u~~uu~u~~~nnr~r~u~r~~ Please write your auaunt numLerorr your cLe-,For money order madepayable to Ca~itnl One ~an~ and mail in tlx entlQUd em~eL~e. R'imr frixt nraG'rrgredd~vsr mr~/orr-uw:t cJmrgrt Lr/av~ tmixgbe~r erblatl~;nl: r Capin) One, ES.$. Home Equity Line of Credit amounts range from SI5.000 up to $500,000. lino of Credit up to $ I,OW,WO are possible. in Texas the tine of credit may not exceed 50% of the homes value. Loans arc not available in AR. The interest rate is based on rite "Prime Raft" u published in Tht Wall Srn:et Journal, plus a margin on loans with a combined loan w value cado of lus than or equal to 8096 in Texas (100% in ocher states}, and is available on a sittgirfamily, owner-omtpied, primary rtsidena only. Tht Prime Ratc--and, tnnaequendy, the Annual Ptrcentage Rate ("APR")-can vary monthly. T}te amount of [he margin rangy from 0% to 7.996, depending primarily on the amount of equity in your home and youc credit history information. Mattimum possible APR is 18% (lower in some states). Please call us for more details. No annual fu on Gold Home Equity Lint of Credit pmgrams or if the initial draw is $20,000 and the daily balance averages $20,000 fur the fast 12 months Ivor other programs, a $75 anntul fee applies in most stuns but it is waived for the first year: In stveral scads, an tarty terminuion fee of up to $350 applies Neither the annual fee nor the euly termination fx apply to Texas residents. A minimum initial draw of $15,0W is tequired.ln Texu rubsequent draws moat be u least .54,000. For closing-uist-option programs: Closing costs range from $500-$2,900, depending on amount of uedit lint and property locuion. Tests residents are eligible for no-cJosing cost programs only. Races, programs, and loazt requirements vary from sate to sate and are subject to change. Please rail us for more denils.'This is not a commitment to Itnd. Capin) One is committed m making every effort to find tht tight product for your situation. However, in some case, when we arc unable to provide you with a Capin) Ont product, ere might be able to give you another choice of Mottgage products. Wt would then put you in contact with Full Sptctrum° Lending, a Division of Counuywide Home leans -one of the largest mortgage prwitlers in the wuntry. This offer will only be made available co you with your permsssion and otily if Capital One is affable to prrn•ide you with the right product For you. ® 2005 Capital One Services, Inc. Capin) One is a federally regiatened service mark. Any trademarks mentioned herein ue solely owned by their respective entities. All rights reserved. rawtwwr LBIDER (~ ~~ t~ 8 O~~ M r~rtr~~ ~~V to Oraoa Period. Vou will have a mirimtm grace period o1 25 days without trartee large m raw purdtettea, rew bslertce trenfere, rew spatial prrUtases and raw outer darvea If Yott pat you told 'New Balance", n etrnrdarra vNnt the koportarx Nstlce for psymanro bebw, ertd in time far h to M credtad by yar rent atetemerrt dosing date. There is ro grace perird m rash edvetx:es erd spatial trertafere. h addition, dare is ro grece period m arty trereectkn if you do rot peV the told 'Now balance. b. Aemip Fitutaa CJvpa. Trarteectima wNdr are not subject to a grace period are asee~ad firwtce large 1) from the date of the traraection a 21 from the dMe the trertaertim is pmcesaed to your Acrntra a 3) from the Brat calerdar day of the sitters bNNnp pe ~ ~o V. if you rid rot pay the "New Briars frdn bilFtg period m fuN, fiance dargas crrxirrte to axnle to your repaid balatDe trill tM tatpsd balance is pdA in fill. Thin means that you msyy ah71 owe frartce Barges, even if Y'~ fat the axire New Bdotce itdcated m the front of your statemenK by tits text e[B[errtera doting data, bra rid not do so for the preNeto mash. Unpaid treroe dterges am added ro the ~pY~Ie aegnera of yar Arrntsa. 'r c. Mniaan Fitotaassgqtlr~eacrtya. for earn hilNrg peAod tMt te~blr FINAICEr CEIAhOEtof SO 50. wNl be~lmpoeed If the total Branca darga rearlting fiem the eppliralion of your periods rete(sl tl leas than 90 60, wa wiN ar6tract tlat amtxnt from the 90.60 ntkrirraatt and 1M dfMreree wiN M bled to tM ptxdaee of your amdnt. t'd. Tarrparry RaAofhr it~a tltfya• We reserve the rigta to not srtseaa cry a aN finance Barges for arW given btlktg period. 7. Awrapa DYy Balotoa Ir+dairr0 Ntwr Rrdrarl. a. Fnrrce large fa cekxlated by mr/tiplying tM daily balance of eerh aegatera of your octant le.g., rash advance, pudaae, lag periodcrretels drat Ms~heat~) by the mnaepatdrtg previntely dsrloaed ro you. At the ud of astir ley dalna the hiNirtg period, ewe apply the dNly periodic rate for eac~i aegnerx of your emirs ro tM logy helartce of eedt the Tof these daily oralnletiorr io at ya~r ~ periods trtertce cfarge for astir aegrtaa. We add ip tM restrhs from eerh seglttsrt ro arrive et tM total periodic finance large fa yea arrntrx. To get tM dally balance fa eedr segnertt of your aoearrt, vac take the begmutg belartce for east aeglrraa and add arr~tyy new trensactien aM arty periods lktartce large raltxlated m tM previous day's bdertce for that ttegrtax. We then srbtrect env peymeraa a credits posted as of that day that ere dkrrated to that seprtertt. This gives is tM separate logy balance for ndr aegrnera of yax axarx. Elowevar, if you pard tM New Belartce drown m you prevlas sretemerrt in fill (or if your raw belatce was zem a a credt artaartl, rrwv trerractiaa wftirh you ro your ptrrhase or gredd purdase aegnerMS are rat arldad ro tM defy bdartces. We cekalate rite average daYyy lalerra by eddkg a1 tM daily belarron together and dvidrg tM sun by the nether of tM days M tM tarrant biNirtg eyrie. To celctaaM your ford Ikartce dterge, nalrbly yea tMraga daffy balance by tM daily periods rota and by tla nrrtber of days kt tM hiNitg peAod. flue ro rtxn6ng m e deity Male, there may he a atght ndarra hatweert era ralniatim and the emotra of fnatce cMrpa etxuaNy aeseaaed. h. If iM code Z or N appears m 1M fimt of this aut¢mem ntd ro 'Bdertce Rate Appged To,' we rraltiply tin _ _ ppeedodc rate. Tn obtain the average daNy balarxa for the hiNirg period covered by ilia sutemern, we take the begirrrng balance of astir aegmern astir day, add any new trerteactiore to each aegnent, and at6trect any paymerns er credta. Ilf tM code N appears m the horn of tlis statement rent to 'Balance Rate Applied To,' we also atbtrect arty trpaid trance dterge irrluded in the belartce of each segn~ertt.l Thin gives tts the daily Mlarra of earn segnmt. Then ws add up all the deAy balarx:ea for earn aegnertt br rite hiNing period and deltic by tM tad nsnbar of days in tM tllkng period. TNa gives us the average daily balance rat each aegnem. 3. Arno) P~rorttaps Rstas iARrI. a. The term "Aaud Peroaaage Rate' may appear as APR' m 7M from of ttls atatanan. b. If the code P IPrkne>, L (3-mo. LIBOR), C (Certifrate of Deposit), a S (Bankrard Pdrne) appeare m the ban of this statemem nod to tM periodc ratels), 1M pedadic rates and coneepadrtg ANNUAL PERCENTAGE RATES may vary quarterly and may increase a decrease based m the sated rrtdces, as tatrd in The Wal/ Street .larrnd, plus the margin pprevfaoly dadoaed to you. These dangea vAll he efleetive m the )rat day of your hNNng pedaadl covered by Your periadfc statemem erring in the mmtita Jaraary, April, JWy and October. c. if the rode D fPrkrtel, F 1l yrto. LIBOR) or G (3•rito. LIBOR Repriced MmMiy) apprare m the fern of your atnemem next to the pedede ratels), the perio6c Hies and conaspardnp ANNUAL pERCBJTAGE RATES may vary monttly erd may increase or decrease based m rte stated irdcea, as Land In The Wad Street ./Darns; plus the margin pretiauty dadaeed to you. These danger will be effective m 1M teat cNy of your dNifig period astir march. 4. Annatwtt M Lab, OvrimN and Rahntsd Paynrrt Fans. Vat eomnt vW he aaanaed ro nrora then two of the fees lined here that ems dM^0'aN period. Under the tame of yea criruemer agreerrrera, we reserve the ri~tt to waive a rot to e®eea arty fees whhna pbr rtdfBc'atka+ to you wM7nta wdving otr dgirt ro sasses the same or similar fees at a later tiara. 5.tRrw+fni tar Aoaart. If a meeitarehip foe appears m the from of tins sraterrern, you have 30 days ban the date this statenrertt was malted to you to avoid paying the foe a ro Mee artdt fey credted to you if you ranod ynr armor. Dukq tNs period, you may carttlnrar to use yeta aomri uiatota Mving to pay the rrtartrbenlip fee. To rarrxl your eaarrt, You mrot rtotliy re by raRtg our Ctattorner Relation Depertmertt erd payY~t New Balarsx' in ftN (ewitt3rig tM nterrrherstiprire) prior ro tM erd of tM W rtyday perkd. 6. H tau Cosa tar Aaaout. VDU ran rageeet ro tioee yea acrnua by raNkg ou Customer Raletierre Depertrnax. You rant destroy your creel[ card(s) ail etxnrrrt atxxssa dada, rarcel aN preatshorizad billing, and cease rig your rtcmra. If you do not rartcei prsaaMdzed 6Mkg arrartgarnertg, we wiN milder receipt of a darga your aufnrization to reopen your actmrra. Ad3tiateNV, Va+ arms wNl trot M dosrrt trsN tar pay aM amants Vm owe u krludrtg: any treraactlora You Mee atrltodzed, Iktotce dargea, Past due Mss, ovarWNt fees, retuned payment[ fees, rash advance Men std arty other Mss esasaead to yetr acmnt. Vou are rmporrtle far these amarn whether they appear m yar acmrx u tM time you regteet to does tM aocarrt a they era incrrred at6ea¢tern to your retest to dose the eccatnt. TNs may rash in dargaa appearing m yar rtcrxxrrt after you Mve your e[xotnt if k lay already bean doaad. For exempla, if you araltorized a prrdaae front s mordant errd we receive the trarescNm lam the merdwt after your arretsx has been deead, your er~otrt wA he reopated, the emaM of 1M dtarge wNl be added rof Mamie eccernl, and you wN he reaperar~le for peymera. membership foe for your rtccasx, tM foe wfY mrYkata to be tiargad, to the extern pemtitted by law, usN the arretsa belertce Ms been psW in AM ea defired above. 7.11akq tar Aemat.Vou raid or aecarrt cerrtet 6e uaedin cerrtectien with any kaenta gambling treraarxiors. 8. Nlsffss Abut Elaobortia tlrsok Corarrdan. When you previda a dock as paymer[, you authorize u eider ro toe infermatfon from year check romake a arts-[kre dectraic tad trensfer from yar hank errntrt a to process the PaYn'rera as a deck trerteaetien. When we tote informattan from Y~ dteck ro make sn deetroric find trereMr, finds met be vWtirrlrawn ham Vou barns aocerira as nom ea iM tome day we receive yar payntertt, and yet wNl net reraive yar rneck beck from you frarrial aatinfien. BILLING RIGHTS SUMMARY Ile Case Of Errata Or Ottesdars About Yaur Bile If yut think year tlll la vrrertg, or it you treed mare infomatim m a transacam er hill, wnte to ua m a separate siteM n soon ae posdtle at the address far ingtridea spawn m the fray of this statement. We must Mar irerrr tat ro later then AO deya after we watt you rte fiM hiN m whtrh Ute emer a problem appeared. Vou can call our Customer Reletiens nsnher, htn doing eo w/N rat preaene Your rights. In your otter, give m 1M Mllowirtg inbrmatim yea name and acearsn ntmber, iM ddlar amain of the ataipected error, a description of the error and an e:~lanation, if posNtle, of wl,y you believe there is an error; or it you reed mere MManmrm, a descdpdm at the hem yw are uisue shout. Vau do rat Mee to pat any Amara in gtarstlon whNe vue are investigatkq h, but you are atiN ahligetad to pay 1M parts at you tl that are rot in questim. Whge we nveanpeto your question, we tartar report you so degrrgrent or take any artim to ceNrxd tM amatrrt you grtestim. t, j' Special Rtle For Credt Card Purcheaes It you Mve a problem with the quality of property or aeMces tMt ytx, purdased with a credt card and you Mve tried in good faith to correct 2M problem with the merdarn, You may Mve tM rig)tt not to pay tM remaking amain due m tM papeAy or senirxa. Vou Mee tHa prmectim oNy when the putrhase ptine was mom then 950.00 and 1M ptrrirase was mark M your home state a within 700 miles of your milling addreea. 111 we awn or operate tM metdarn, er it tare mailed ytx, tM advenisemern for tM propany er senfees, aM purdasea are covered regerdesa of amoum a beatim of puehase.) Reese renremher to sign all cerreapendertce. t' Goes not apply to consurrrer inn-rfedf card acmrrtts f dDes rot appty to busLtess ram-rredil card accartts Capital One tttrppona informafim privacy proteclim: see Dar website at www.ccaappuldte.can. Caphal One is a federaly regatered service mark of Capital One Fnrtad Corporation. NI rigtta reserved. 0 2003 Capital Ono Of LGLBAK Irtpartart stories: Paytrama you mail to to will be cradted to your accent as of the business day ewe receive h, proNded (1) you send Vte bottan potdan of this tnatemem and Your deck in the endwed reminenee envelope and 12) your paymem is received M our carter by 3 p.m. ET 112 ram PT). Reese show n least tea 15) brttrrea days far postal datwry. Paymema received by w at any other locetim a m any agar form mat trot ro ureatad as of tM deY we receve ttbm. Ora business days era MandeY tMwplt SaturdaV~ ozdudng hoNdsYS. Roue do rat toe staples paper dips etc. what Prepedrq your psymern. When you aertd us a datck(e), YnU augadze ua to make a cne-tkne ekrctraic trmaMr detlt tram yea bank atxeun for 1M amarri of tM chxk This autlwtizatim Mrplrea to ell dacka recelred durktg tM dgirq eyrie even iT sots by someme dye. It ewe eamot process tM tranter, you atNwdze tin to make a large agdrrt your bank eccotrn tang tM deeck, a paper drab or other hem. 596721 5.50% APR Save money with one low rate Call now for rates as low as Prime, gpply today for your Home Equity Line of Credit from Capital One® and use currently 5.5096 and have your money your new low rate to pay off other high-interest debt. Or you can use the in as little as 10 days! equity in your home, up to $500,000, for whatever you want. For a Home Equity Line of Credit, call Rates as low as Prime, currently 5.50% APR' 1-866-896-9596 • Interest may be 100% tax deductible (please consult your tax adviser) ' $0 ClOSing tOSt Options Mon-Fri 8 a.m.-9 p.m. ET Sat 8 a.m.-S p.m. ET. Or apply online at www.capitalontamortgage.com You can also take advantage of our other home loan products, Q including mortgages and refinancing offers. ~~n Reservation Number: 6403 016 484 3249 'Rate in effect as of 02~041b5, CaOp~farOne' mortgage & htxne equity- ,ra~~,O~s GOLD VISA ACCOUNT' FEB 28 -MAR 27, 2005 4388-6418-271Cr8845 Page 1 of 1 Account Summary Previoix Balance (689.13 Payments, Credits and Adjustments (20.00 Transactions (6.00 Finance Charges 110.17 New Balance 3685.30 Minimum Amount Due 320.00 Paymern Due Date April 27, 2005 Total Credit Line 3700 Total Available Credit 314.70 Credit Line for Cash 37110 Available Credit for Cash 314.70 At your service To rail Customer Relations or to report a lost or stolen mrd: 1-800-903-3637 For free online account servi« sod apedal automer offers, leg on to: wsvw.capitalonemm Send payments to: Send inquiries to: Attn: Remittan« Processing Caporal One Rank Capital One Services P.O. Box 790216 P.O. Box 850]5 St Louis, MO 63]79-0216 Richmond, VA 232fl5-SOLS Important Account Information Please review the important information enclosed with your statement and keep a copy for your records. Payments, Credits and Adjustments 1 21 MAR PAYMENT RECEIVED -THANK YOU 320.00- Transarttons 2 27 MAR CAPITAL ONE MONTHLY MEMBER FEE 36.00 Finance C}tatges Pkarcra rexxrreridefnr important information Balannrafr Ariodr Coweg ~pprira,~ „~ Arse PURCHASES 5689.76 .0527196P 19.2496 Si0.17 CASH 5.00 .05819%P 21.24% 5.00 ANNUAL PERCENTAGE RATE applied this period 19.24% PLEASE RETURN PORTION BELOW WITH PAYMENT ~ ~"c7/7~a/~f1,e' 0000000 0 4388641827168845 27 0685300020000020008 Pliaer print nrmting adldrsr mrd~or r-nutil tl~mtgrs bdam ueingbhrr ar b1anE in.~ New Balance. 3685.30 Minimum Amount Due 320.00 Strac Apt M Payment Due Date Apri127, 2005 ary s~ zzp Total enclosed 3 ~~ I {omr phone A1trma~ Phone Account Number. 4389-6418-2716-8845 ~ EmsilAddnas ~ #9008625817229112# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM ~ P.O. Box 790216 ~~~r~t~ss~~s~~~~~ttr~~ a ~ 902 ALLENVIEW DR St. Louis, MO 63179-0216 ~ ~ MECHANICSBURG PA 17055-6604 ~s~~nn~~nu~~~ur~~s~u~~utu~t~tu~~s~~uus~~t~~u~u~s~ ° ~ ~tn~~~ttr~~~uss~t~tt~t~t~u~ts~~st~~sur~tt~~~nnt~s~n~s~~ Pleau rtniteyour auount number onymer checF or money mdn madepayable to t^~pital One Aan.F and mail in the enchredenvelope. Capital One, F.5.13. Home Equity Line of Credit amounts range from $15.000 up w $500,000. Lines of Credit up to $1,000,000 am possible. In Texas the line of credit may not exceed 509k of the home's value. Lonna arc not available in AR. The interest rate is based on the "Prime Rate" as published in The Wall Srrac Journal, pltu a margin on Inane with a combined loan co value ratio of lux than or equal ro 80% in Texas (10096 in other states), and is available on asingle-family, owner-ocatpied, primary rtxidence only. The Prime Rate--and, mnscquendy, the Annual Pcrcrntage Rate ("APR")---can vary monthly. The amount of the mugin ranges from 096 to 7.996, depending primazily on the amount of equity in your home and grout credit history infotmarion. Maximum possible APR is 1896 (lower in some stares). Please call us for more details. No annual fee on Gold Home Equity Line of Credit prognms or if the initial draw is $20,000 and the daily balance averages $20,000 for the fast 12 months, pot other programs, a $75 annual fee applies is most states but it is waived for the first year. In several states, an Carly rumination fee of up to $350 applies. Neither the annual fee nor the arly rerminarion fa apply to Texas residents. A minimum initial draw of $15.000 is reyuired. Irt Texas subsequent draws must be u least $4,000. For closing-coatoption programs: Closing costs range from $500-$2,500, deprnding on amount of credit line sad property location. Texas residents are eligible for no-dosing cost programs only. Rates, programs, and loan requirements vary from state to craze and are subject to change. !'lease call us for more details.'T'his is not a commitment ro lead ttttttttttttt~ NNNNNNNNNI NNNNNNN~ NNNNNNN~ NNNNN~ NNNNNN~ N~ tt~ 8 O ~~ N r Capital Onc is committed m making every effort to find the right product for your situation. However, in some caata, when we arc unable to provides you with a Capital Onc product, we might be able to give you another choice of Mortgage products. We would then par yrw in contact with pull Speanuna Lending, a Division of Cottnuywide Home Loans -one of the largest mortgage providers in the mumry. This offer will only be made available to you with your permission and only if t;apital One is unable m prrn•ide you with the right product for you. © 2005 Capital One Services, Inc. Capital One u a federally registered service mark. Any trademarks mentioned herein azc solely owned by their respective entities. All rights ruerved. .~ eea.r I.e+ol=.R ppaadock rate. To ebuin the average daily balance for the dllhg perled ceveed by this statement, vue take the begimrg helartce of mM aegmrlrn each Bey, add any raw trartesmians to carp aegn~era, and subtract any paymertta or credfa. (lf the code N appears m tfas fiam et tftis statement next to 'Balance Rate Applied To; we also arbtrem any upaid Anarce charge irrrhaied h the balance of earn aegnem.) Thies gives m the daily belartce of each aepmem. Thm, we add tp all the Bailyy bslancea far each aegmern br the hillirq period and dvfde by the tmal nunber of deya in the billing period. Thin gives rn the average dilly balance of sad, rAnan. 3. ArtnrY Pro~fapa Rotas CAPRI. s. The term 'Ames! Pemaxage Rate' may appear ea 'APR' m the tram of tfla atatemdn. b. If the code P IPrhel, L (3KVto. LIBOR), C !Certificate of Depmit), a S IBankcard Prins) appears m the tray o1 this tnatemern next m tfe perledc tastes), the periods rates and mmeapendng ANNUAL PERCENTAGE RATES may vary quarterly and may irtcrmae or decrease based m the stated Indoea, as land h TAe Wad Street Jarnal, plus the margin ppreviaudy dedoeed to you. These dunges wiN he etiecnve m the Aral Bey at your hillhg period covered by ynr periods arotemaa ceding in the months Jaraary, Apri, JJy and October. e. H the erode 0 (Prkrn), F (1 Krto. LIBOR) a O (3-mo. LIBOR Repriced MemHy) appeare m the ham of your atatmtefd next m tfe periods ratela), the pedadc rates and mrreapating ANNUAL PERCENTAGE RATES may vary monWy and may imrease or decrease based m the stated Ntdcea, as fond h The Wed Street Jorrral, pltn the margin PreviaudY dsdmed to you. These Martgr will be ettecnve m Ate Aral Bey of your billing period earn momh. 4. Asrasrttrtt of Leta, Ovrfmt and Radnttl Prryrrtrr Far. Your errata wi be aeasaaed ro more then two of the fersa flatad hem Bat emu dais sm/ piling period lhtdar the tame of gar artaner agreanax, we reserve the right to waive a not to areas any fees vviUtoru pfor rotiflratlan to you wfMar wSving our right m sasses the aerte or aittiar fees at a later time. 5.'rR~tewirp Par Aeaaat If a membership fee appears m the frau of tfle rnatemerk, Va have 30 Mya item the date this aetanak was mailed to you to avoid payig the fee a to have arh fee credted to you if you cancel yotu aocaaa. auMtp this period, you may mrairslB to use your srLroul widtoru haNrg to pay the memberoNp fee. To rartcel gar acceut4 you rraat ands ~ ~ flaw Bel ~ n"~itl (etadrtdr0ip arts ark men'rberslq feel Pda to the end of the thirty-dsY perird. B. M Yw Cbr Par Aamut. Vou ran rBgrras[ to dose yp~urr arrurstt by raNig cur Qartaner Relanars oepertmar. You rratat destroy you rredt card(s) and arirorak emcee dtecka, tancei aY prmrafedzed biMirg, ertd ease ~~i~p yax arruuk. If you do mt rertoel preaa)ndzed 6ilhg arrargeraerYS, we wIN mreklar receipt of a charge you suthorlzetim to reopen you arrant. AdddaeNV, Yorr arrnrtt vdN rot be dosed r~l V~ pay er amarrs you owe m hdtdng arty troreecnae yrsr have ersfterlzed, Barre rhergee, peat due fees, overlini[ fms, reriared payment fees, cesh advance far and arty enter far ssseased m your arrark. you era regerta'hle fa these amaaxs vlether they appmr m gar arras[[ at the tine gal reQrea to dose the errntrrt a they am irtaared atrbse4ax to gar rar}reat m dose the arnorrr. TFIs say real[ h dtargr appearig m Vorr aooaax after you have ytsu accataK if k has akmdy been dosed. Fot exentple, d you eraftorlzed a purdtase from a marMerl and we receive the troreacdort from the mardtent sfter your amatnt less been dosed. Vnrtr etxwtrs wNl ba reopened, the arrtaru of the rarerrggaa wW be added to your aorarx, and yyoouu will he reeponelNe for payment. If there is a membership foe for you aocaax, me fee wiN corriaat to 6a chsrr~~dd, to the extent pemNtted by law, aril rite errant belertce has bem paid h frl as deflred above. 7. Uaip Par Aomnt.Yau card or accaM mmm he used h mratectlen win, any irsartret ganbNng troreactiare. 8. Nstiaa Ahat FJeaMsria Oresk t:asrraian. When you proNda a Bieck a+ peyrrteru, you aunndze u either to use hfermetien from yotr dteck to make a me-time elearoNe ftrd transfer from year bank aunrru a to proper the PaVrnertt ss a deck traeecdm. When we use hfamatien tram Par dtedt to make n electrmic fad trerefer, Unds rtay be wirltdrawn fiom your bank arrant r ttoert es the same day we rerxive Votlr paynterc, and you wW nor reoaive gar Ueek Mck from your flrartdal irtennrdm. BILLING RIGHTS SUMMARY On case OI Enero Or Ouesnae Aban Yeur ltilU If you tfink your bNl la wrag, or if you nmd mom inbrmanm m a lraraacdm a NN, write to ram a separate sheet as seen es poaaHe at the addrer (a irlplirlea slevtn m the frank o1 this arotemertt. We must hear trap you m later clan f10 deya after we sax ycu the Aral NII m ullM the error er prehlem appeared. You cen call au Customer RdatWn ntnttter, but delrg m wIM not preserve your dglka h you letter, glue u the fdlow[ng Infomratim you rams and socaak arrrber, the ddkr amarn of the ttuapected error, a descdpdat of the error and an et~lartetien, if poaslHe, of wfty you believe there is an east; er i1 ya, reed mere hhmtat a deacrlptim of the kern you are utsue aban. You do rot Mve m PaV a^V amour in question wfile vve are invastigetirq rt, but you are still ahlipeled to pay the pens of your hkl that are not in greatim. lNftile we invert~gete you gttealim, we rarnot report ya, ore delingtent a takes any scrim to mNeet the amourn you questim. t,t Spatial F#le For Credt Card Purdases 1f you Fave a problem wish tfe ¢Wity of property er services rlat you purchased witlt a credt r~rd and you have tiled in good faith to correct the problem with the merdarn, gnu may have the right not to pay the remaklrg amotrk due m the papery a services. Veu have this proteclim oNy when tM purr3ase pBee wr mere !fan 950.00 and Ate purdtaae was made in yax home state a within 100 mkt of yeti maiirtg address. IIt vue own or operate the merdarn, or li we mailed Yes the advenisemmt ter the property a servlcea, aN purdases are covered regarder et ametrk or lorenm of prrMeae.) Reese remember to sign ell earespadatee. t Lbws not apply io consrarer rorrrledit card eecarus t Does not appty to business ravraedd rand accents One atyporta infamatfon Privacy protection: ace our at vvvvw. ane.can. One la a rtlly regMared service mark at Capital andal Corporation. All d¢na reserved. ° 2003 One 01LGLBAK t a. tiraaa Pariad. Yeu will have a mirimum grace perlad of 25 days vlntorR fitertce de m now pumltres, new balatce traefere, rew apedal purdteaes and new oMier dterges if you pay you less! 'Now Balaase", h ecmMSrtce wtM tfe knportam Nonce for paymerls below, and h time fn k m be CrediOd by gar re# statement doalrg date. There is ro grace period m uslt edvertrrs and epadd tranefera. k1 edddon, tl,eria is ro $rera parlod m mV troreectien if you do not {ray the total New belarrce.' b. Aaarig Finnan Ovrpa. Trareactiere which are nor at6ject to a grooe period are aaerad tirterre Barge 1) from the date of the trorra.~tim a 2) from the date the trareectlon Is prara~d to yrtur Accoux a 3) from rite first ralmder day of the narern dAi~ oariod. Ad3tlatally, if you rid rot pay 1fe 'New BelenrB from the previara hflling period h fiN, TrtatrE Merges oorttlnre to earue to you uPeid belertre until the utPsid balarwx is paid in fill. This means t}et you mey atN owe frertce dargm, even if you pay the eNire New BalarxB irtdrated m the frart of your ateterrertt bV the next ataterrters rdosirg date, as did not do so for the pretlats match. Unpaid liarrce dterges are added to the ~pf~We eagnerx of your Acrnrr. t c. Mitirun FMea fist iya. For each ailing padad chef gar amaax isaq act m a rrtatce Barge, a minirmm total FINANCE QtAliOE of 90.50 wig M imposed. If the tore! lkterx:e charge reaNing ban the of ynr perlaic roteW la leas then 90.60, we ar6tract that arrtatnt hem me 90.50 miiam and the dfferertce vti11 be hied to the ptrclaaa s~n~tt of your arrant. t d. Tarpaary Redrnlian h F a Clurya We reserve the dgltt topenroiatdeasesa arty or aN flnerra Barges far any given 2. A bWirargarp OMr Plana IitaiaitY New Prahraal. a. Finance charge is calculated by mt/nplyfng the daily 6earr~ of rM sapnterr of your secant (e.g., rash advance, purdase, spedd trxniar, and apeoal purdaael by the rnrreaportdrtg daily periods rote(s) tfat has been predouiy dadeeed to you At the ertd of esdt desy drkg the hiNing period. we apply the dsiy. periods rats for each aegmeru of year arrant to the daNy trslance of milt sagrnent. Then at the end of the burg period, we add up the reaita of rheas daiV rwlaiatiore to artlve et perledc flrtartce Berge fa eedt seAttak. We add tq the reaps from milt aepnent to arrives at the total pedadic flrtertce Merge ter your arrant. To get the dally balance fa eaM aegnant of ydu arrant, wre take the begfrsing balance fa milt aegnaY ertd add aarrttyy new trereeedrre and arty pedock fhertce dterga ralctieted m the previous days balance for that segrterx. We tlren subtract arty payntersa a credm posted r of that day list are afloraled to that aegnten. This givr m the separate defy bdence for eadt segment of your eooant. Flevvaver, If you the New Balance aitovwt m your previars atetentertt h (or if ywr rtety balance was zero a a credt arrant), new trsneectlore tnildt past to gar pudtre or epedsl purder segmertte era mt added m the daNV balances. We ulalete the average Miy ltelertre by s[tlrg eN the drily balertces together artd dvfdng tfe can bV the amber of the days h the arrertt biiirg eyrie. To relalate your total flrtertm Margo, mrltfply you average deNy bdatce by the defy rlodc rate end by the nntber of days h the biwrtg ped~Orre to mndrg m a daily basis, rhea may be a sight verlarre 6etwimrt 1Ns relniatim end the anent of flrartoe desrpe acnreNy assasaed. b. H the cede 2 or N appear m the bars at tfis atatemmt mId to 'Bslarxe Rata Appied To,' we mtltiply the IrrpartaM NtNas: Paynrmta you mall to u will be credted to you accotan as of the buairtesa day vve receive it, Provided (1) you etxM the bottom poNan of Chia natemern and your Mack in the mdoaed rerrlnartce envelope and 12) your paymem Is received h cur orocering canter by 3 p.m. ET t12 nom Pi). Reese allow at lead Ave t5) bwirter deye for postal delivery. Paymema roceived by us at arty Oder ktcanm a inn any other form may rat 6bee credned as of the Bey we receive them. Our bualnesa days are Mmdey firw~l Saturday, exckrdng hoidaye. Reese do not ur neplr, paper des etc. visa prepanng yax Pa em. Whm Pau serxl u a deckle), you authorize tm to meka a me-time electmric trarater debit ban your bank accotnt for the arretutl of the deck This aurltorizabm apples to a9 daxka recaved dung the diirg eyrie even it sem 6y saneme else. It we carrot pracesa the trerafer, you audwdze rtes to make a charges agairnt your bank accam using the deck, a paper drari or otler item. 596744 , 5.50% APR Save money with one low rate Call now for rates as low as Prime, Apply today for your Home Equity Line of Credit from Capital One® and use currently 5.50°x6, end have your money your new low rate to pay off other high-interest debt. Or you can use the in as little as 10 days! equity in your home, up to $500,000, for whatever you want. For a Home Equity Line of Credit, call 1-866-896-9596 Mon-Fri 8 a.m.-9 p.m. ET sat 8 a.m.-5 p.m. ET. Or apply online at tnrww.capitalonemortgage.ctxn Reservation Number: 6712 026 642 0249 • Rates as low as Prime, currently 5.50% APR' • Interest may be 100% tax deductible (please consult your tax adviser) • $0 closing cost options You can also take advantage of our other home loan products, including mortgages and refinancing offers. ~o n msu xou>wa t~ "Rate in effect as of 03rb1 b5. ~~One' mortgage & Forme equity Capital ~~• GOLD VISA ACCOUNT 4388-6418-2716-8845 Account Summary Payments, Ctedirs and Adjustments MAR 2R -APR 27, 2005 Page 1 of 1 Previous Balance 5685.30 1 25 APR CAPITAL ONE ONLINE ACH PAYMENT 520.00- Payments, Credits and Adjustments 520.00 Transactions 560.00 Transactions Finance Charges 59.93 2 04 APR BJS FUEL ti'9025 WOX HARRISBURG PA 525.00 New Balance 5735.23 3 06 APR OVERLIMIT FEE 29.00 Minimum Amount Due 535.23 q 27 APR CAPITAL ONE MONTHLY MEMBER FEE 6.00 Payment Due Date May 27, 2005 Corrgrattdarion~ Some or all of your Annual Percentage Rates (A.P.Rs) have been lowered. As Total Credit Line 5700 Previously disclosed, Capital One reserves the right to raise your A.P.Rs in the future if your Total Available Credit 5.00 aceount does not remain in good standing. All other terms and conditions remain in full force and Credit Line for Cash 5700 effect. Available Credit for Cash 5.00 At your service To cell Ctutomer Rdatioru or to report a lost or stolen acct: 1-500-903-3637 For free online account service and speoal auiomer offers, log on to: www.capitalonemm Send payments te: Send ingllirirs to: Atm: Remittance Processing Capital One Bsnk Capital One Services P.O. Box 790216 P.O. Box x5015 St Louis, MO 63179-0216 Richmond, VA 232a5-5015 Pittance Charges Pkarereereuerserrdeforimfortant infanuurmr Ralawnrrmfr Periadr Con 8 ~ M geflirdto AP rule R l:tt liC. PURCHASES 2728.22 .0439796P 16.0596 19.93 CASH f.00 .05956%P 11.74% x00 ANNUAL PERCENTAGE RATE applied this period 16.05% PLEASE RETURN PORTION BELOW WITH PAYMENT ~~a~~g• 0000000 0 4388641827168845 27 07352 30020000035233 New BalancE 5735.23 Minimum Amount Due 535.23 Payment Due Date May 27, 2005 Total enclosed 5 AcoountNnmber 4399-6418-2716-8845 Plrasr p;><t mailixg adirsr and/or r-mail dmgrr bttom.mngtlur ar Nark i+r.E sneer Apt ;F Cary Sc~ ZIP Home Phone At[emaa Phone !jam #9011825817229113# MAIL ID NUMBER Capital One Bank DEBORAH L GRAHAM P.O. Box 790216 ~r~n~rrr~~r~rr~~nr~~ o, ~• 902 ALLENVZEW DR St. LOU19, MO 63179-0216 ~ ~ MECHANICSBURG PA 17055-8604 ~r~~rm~~nn~~~us~~r~u~~nm~r~m~~t~~nm~~t~~n~u~r~ ° -Z ~m~~~ut~~~uu~t~u~t~r~u~u~~u~~uu~n~~~nnr~t~n~t~~ Please wsife ymu arcaunt number on yau, check m rnnney ordn made payable to Capital One Bank and mail in the enclared en~udopc r Capital Onc, F.S.B., Home Equity Linc of Credit arnouna range from $75,000 up ro $500,000. Lines of Credit up to $1,000,000 are possible. In Texas the line of aedit may Hoc exceed 50% of the home's values Loans are not available m Arkattsaa. The interest rate is based on the Prime Rau as published in the "Money Rates" section of 7be WaU,Srrcer jaurnaG plus a margin on loans with a wmbinal loan-to-valuc ratio of less [ban or equal to BO% in Taal (100% in o[ha states), and is available on a single-family, owner-occupied, primary residen« only. 77te Prime Rate-and, wnsequendy, the Annual Percentage Rue ("APR°)~an vary monthly. The amount of the margin ranges from 0% to 7.9%, depending primuily on the amount of equity in your home and your credit history information. Maximum possible APR is l8% (lower in some states). Please ell us for more details. No annual fee on Gold Homc Equity Linc of Credit programs or if the iniriil draw is $20,000 and the daily balance averages $20,000 Cor the firs[ 12 months. For other programs, a 575 annual fce applies inmost states but it is waived for the first yar. ]n several states, an early termination fee of up co $350 applies. Neithu the annual fee nor the early termination fce applies to Texas residents. A minimum initial draw of $)5,000 is required. In Tezaa subsequent draws must be ac last 34,000. For dosing-wet-option programs: Closing cosYS range from $500-52,500, depending on amount of credit line and property location. Texas residence are eligible for no-closing coat programs only: Rates, programs and loan requiremence vuy from state ro sate and ue subject to change. Please call us for more details. This is nor a commiunenc co Iced. NNNNNNNNI a~ ~_ sty NNNNNNNNI sri sri sri 8 , O O ~~ N e-N Capital One is wmmitted m making every effort to find the right product for your situation. However, in some cases, when we are unable to provide you with a Capitil One product, we might be able to give you another choim of Mortgage products. We would then put you in contact with Fu11 Spectrum' Lending, a bivision of Countrywide Home Loans-one of the largest mortgage providers in the country. This of&r will only be made available to you with your permission and only if Capital One is unable ro provide the right product for you. ~ 2005 Capital One Services, Inc. Capital Ooe is a federally registered service muk. Any trademarks mentioned herein arc solely owned by their respective entities. All righce CeaCNCd. periadc rate. To ahtain the average daNy balance for the txilirM ppeedal wvered by this atatemad, we take the hegSrwrg ttdarwe of earn aepnem each day, add arty new traraeetions to salt aegnam, erd ar~rract arty paymema or credta 111 the code N appears an the fiarH of this aretemerrt next to'Belance Rate Applied To," we also ahtmct any trpeid Arance riarge krckrded in the balance of each ~gmem) TNs glues tffi the deNy balance of each segnels. Then, we add tp ell the daily helarrcas for salt aegmem for the hilNnN ppe~riod and drride 6y the total nunfaar of day in the hillirq period. TFia gives to the average dally 6elsrrce of salt aepnem. 3. ArwW vrasntaya f4tas iAPRi. a. Tla term 'AmW Perioersage Rem' may appear as "APR" m the iron of this hatemem. b. If des cede P ~rkrte), L 13-mo. LIBOR), C fCertlflrate of OePo30, a S fBenkcerd Prime) appeare m the front of this hetemem next m the pededc ralels), the pedaifc rates and rorreaporrdno ANNUAL PQ)CENTAOE RATES may vary quenedy and may increase m decrease based m the stated irxices, as tatrd m The Wed street .brrHN, qua the margM ppreviotrdy dsrJosed m gal. These tfiartpea wl he efiecdve m the Ares day of your NNing pedal cauered by your pedodc statematt adng in the madfa Janary, Apd, Jrlyy tits October. c. If the Dods D (Prkrte), F (1 ties. LIBOR) or O (ann. LIBOR Repriced Mmtfiy) appeaa m the frerrt of your statement next m the pedodc rate(s), the pedodc rates and mrmsportfrg ANNJAL PERCLMAOE RATES may very momNy tits may Memase or decrease hexed m the stated indces, es laund in The WaB Street .larrW, plus the margkt prevfady dadoeed to you. These changes wNl he eflectlve m the fret day of you Hllirrg period eatlr mints. 4. Auusmea ek late, OtwNrrrt tits Behold Paynrrr Fsas. Vou eotous vrl 6e ssaessad ro more Men two of the fare lard here that omx dudrrg arty G7ky period filler the tames of your araanrer agrearres, we re®rve the fight m wave ar rot m esaasa eW fees eidretr Drlor rtotiRt~ticn to you wiMau waiving ties right ro assess the genre er similar fees e< a later tire. 6.tRerawkry Yar Aasaart. If a membership fee appears m the frays of tfils amterctes, you have 30 rkty from ire dale this eetenes was maied to you to avoid PsVMB Me fee or m have strh fee stalled to you if you rental ytas acmtrs. DrsktN this period, You may carsksre to use yes axant wMtdr having m pay rtes nrenberdip tea. To tarwd your amass, you moat trolly re bV raifrtg ar Ctramwr Rdetbna Daperonent and pay yntx 'New Belertce" in frl gitaittdrtg tfre merteulip feel prior m la errd ell lra tlirty-ley period. 8. M Yrru Cbr You Aomut. Vtu ran tegnst ro dose pyoatsr arrant by raNitg our Customer Rdadars Depertrrters. Va, inlet destroy pxrr credt ®rdld and axars axeas dwcks, carnal aN preeslwdzed ftiikrg, artd rinse ~~rtQ~~yttu eocars. N you do not rarval ProaraMdzed hiWtO artangdngas, we wl rmaidnr rernaipt of a darga gas aulwdzabm m acmtnt. AddlaaNy, gas amass uiN rot be r/oaed trNN Yet peY aN amarsa You owes to irrdtrdng: any treaaetlera gal have suMdztid, Arertce riargea, pea due fees, ovarNrrYC fees, renamed peymes fees, rash adverts fees end sty ooar tees aseeesad m gas arrrtrtt. You em respordble for these arrtotrss wltatter tfwy appear on you amass n the tine you request m rJose the aooarn or they em irtaxrad a~ea4as to your ret}ree m dose the strata. This may rash in dames eooeadro m vat amdra after you lava yar errltrrs if k ltas already bean dosed. For example, if you atrfwdzed a pudase fran a merdam and we raoaiva the traraecdm from the meniant after ytru amotn lies been lineal, yes exerts wl he reopened. the eeram of the the~rggee wl 6e added m yrvr etmtrs, ell you wl fte raspensEle for payment. If there h s membership fee for you axars, the fees w1M r:arr[krre to ties danced, to the etaaxx pemitted by law, call the arratrtt nce lies heart Peia in fW es defired above. 7. lkrirp Vas Aemnt.Yar cerd or atcottrrl cemm he used in mrrtacdort with sty imemat gembing tranaer-rtiorr. 8. Nrliss Abort Elastrvio rytssk (`,vruarsvt. When you provMe a dreck as peyrnerc, you etrtndze u either to tress infosnetim from your lack to make carts-rhos dxtrorie full trerefrs from gas berth arsartt or ro process the ppssymers es a back traraectlort. When we tees ktfonnadon fran you dteck m make sn dectroric itrtd tmttster, ftrds cosy be wMrdrswn frorrr yes bank atmtm ea soon ss dre same day we receive ydlf paymem, end you wl net receive gar Ureek leek from year tkrerdd Nadnriorr. BILLING RIGHTS SUMMARY lln Caae Of Errors Or t]twatitsa Abets Your Bill) It yin tltirrk your hiN is wmwg, or if you need mare inmmatlan m a trerwecdm or tiN, write to re m a separate sheet tie soon as podtle n rtes address far Irrgtidea drovrrr an the irate of this aretemem. We moat hear from you ro later then BO desyyaa efrer we ears yet the Aral bNl m vtsirh the error er prehlem appeared. Veu ran call ou Crataner Rdadaro rxmber, liar deirq ee wiN rot ppreserve your dghta M Your letter, give tw the fdlowng inlemaAm: gas name and atxxsrrt camber, Are dollar emarH of the atspected error, a deacdptlm of the soar and an etrplarufim, if passible, of trtry you hdieve them is an error; a if you treed more imomatien a drrscdpdm e1 the hem yes tiro urrarre about. You do not hsve to pax any amain {n gtastlm while we are inveatiged h, but you am adN abNaated m psy the parts of your hi~that tiro not in gtreatim. lARsle we invesC~geto your ¢cadon, we tartest report you n ddirquert or take any scrim to oelleel the amour you question. t,t Speed F)tie For Credt Card F'urcheaea If you have a profiem WM the gttdity of progeny or seMces that you purdresed with a credt card end you have tried kr good faits to correct the problem wits the marchers, yes, may have the right cwt to pay the remaking amain due m the prapeny a aeMcee. Veu have this proteetim eNy wfwn the purrhese Ades wee more then 850.00 and the purelaae oval made in your home Hate or WtF:n 100 miles of you coding address. 111 we awn or operate the merolartt, or it we mailed yes the adveniaenrim Ion the P try ru aeMcea, aN purcheaes am covered regardeas of amotrtt er kratim of prnitsae.) Phase remember to sign all mrrergondera. t ~OB.4 Hof apply to fMLlrrrN rWFrJarrf! Card arraYll3 t Obes oat apply to business Hon-credi! card acaanls Capital One al,ppOrta infamatien privacy protection: see au viebaita at vwvw. alorte.can. Capital Qte Is a rdly oared aeMce mark at Capital One Fnerxial Cotpaalan. I dgMa reserved. ~ 2003 Capital One 01 LGLB4IC t e. Oraas l+ariod. Yau will have a mirirmm gace petfad of 25 days rnidrotr Arterrce t~targe m trees punYaaes, raw belerce trensfrss, new apeosl purtlases end new other dsarges if yes pay yar total 'New Bdence', m etxortiars~.e rnidt the krrlwrurs Notice for peyama below, end in tkre for k m he cr'edted by year rext eatrmen dodrg date. Tlare is ro grebe paled m cash adveroas and spacial trerafers. In addtim, there is ro $rece period m sty traraar:tion if yes do not pay the total flaw balance.' h. Asotitp Fitana mss. Traraactiam vtlrttr am rest auhject m e grece period am a®esead frtsrx:e charge 11 from the date of the trerrection a 2) from the date the tmraet2ion is preos®erl to your Acmtrrt or 31 from the first ralerder day of the anent dllkg cedod. Addtiartally, if you rid rot pay the "New Belertce' from dre fsetrlotn biNirtg period in hN, firtecrce triergas txrtinte to eoente to yes t+rPdd belerrce trill the tspsid balance is paid in ftil. This mrtere that you mey stl owes fsterce barges, even if you pay the esim New Bdartce ktdcated an the front of your eatemea by the rretd eaoaners eaektp date, Ixr rid rot do so for the prevfetrs mash. li,paid Arante dtergas ere added m the applkahle segner>< of gas Aanrs. t c. MHrasn Fitaras Far astir hiNing pedal that your aannt M ea m a M1tece dares, a miriram total RNAN(~ l:lr-~MeAOE ofn8g0.50 wIN bepepNNnpcaed. Ifytdhex peladc rate(s) b leas Mren 50.50, we v~t~iN 6tnrect that antotnt from the 80.50 mirrtrsm and the dHererce wiN he bled to the ptrriase of gas aocars. 'f'd. Tartpanry RadrAfet in~a t]tarys. We reserve the dgtd m not aaaeae any or aN fk,artce ti,ergae rot any given 2. Avuapartg ~ Bslartw f New i+trahsaasl. a. FMence rlarge is ralalned mthiplying the daily 6elera of salt eegrrerc of your arrant (e.g., cesh advance, puniase, speed tmrafer, ertd s~a~ptxrlase) by rtes ~v~N daily f~~k previady dsrJased m you. At the end of salt desy ~ hilRnp period, tore apply the drNy perfodc rata for aegnmt of your attars ro the dailyy hdarwe of salt segrrurs. Then at rtes end of the hYrg period, we add tp the rea/u of tlrese daAy ralaletiore m emus at your pedodc Nrerx:e large for salt sagrctes. We add tp the malts front earn aegnent m arrive st the total pedadc firterra titerge Td your eabtrs. 7o get the daNy bdarrce for each segrteM of your axarN, vve take the 6edrrtktp lalertce for earn eBAnBrtl artd add arr~tyy rretnr tfea9elera and arty periodic firterree large ulctleted m the preNna days balsrrce for that segnerrt. We then aibtmet arty payrrtaras a cradta posted tie of that dsy tier em dlorated to that sagnas. This glues is rtes separate deNy belerrat fa each segmars of yes aocant. Fbwevar, if you rtes fie+w t3slarrB afrerrsr m your previam etnmters in I for if your crew balance was zero a a cradt eman), Hera. treaactiora which poet m gar ptrdtsee or epadd puniaea seArtass em not allied to the rfaNV bdancea. Wa celalere the average daNyy balerce by eddng e1 the daily lalettea tegefar end dvidrg the atrrt by the nether of the ley M rtes orrery hilrtg eyrie. To ralalete year tad fmartce charge, mtltlply your average daNy balance by the daffy pedodc core and by the ember of days in the 6ilrtg period. Due to rartdrtg m a daily bees, them stay be e vederce ftettueert Mies cekaie[ion and the ttmous of firers thergs acnrNy assessed h. If the code 2 ar N appears m the tram of this atafemem rew to 'Relents Rate Appied To; we multiply the ImpwteA Notiw: Paytnems you mail to w vtfN be cradled to your accoun as of lw buanesa day we receive it, Provided (1) you sets the bottan portion of this narerrren artd year tireck in the turdaed remittance envelope and 12) gala peymem ie received in au center by 3 p.m. ET 112 noon PT). Phase dltm at least Ave 15) btairrea dsy for postal deliwrY Paymerns racdved 6y ua at any oilier loulan or In any other tam may not be cradtod as of the leyY vue rt~calve Mom. Qs buineae day am Manley lhrw~r Saturday, eraitrdng IwNda~y. Reties do not tare naplea, paper ~s etc. vMren prepadrq Yetrr Pa ern. 1ARan you send w a awtkla), yes atrdwdze ue to make a tires-time dectratic lranalar debit hom you bank access br rtes amain of the dtack TNa etstwdxatim appkaa to aN ifiecka received dudrg rtes dINnN cycle even It gem by ataneua doe. If we ramot praceae the tmnafer, you atMtodze us to make a charge ageirat your bank exam using the clack, a paper draft or other hem. - First 3 months half-price ,~ ~, ` a a month; E E V ~.95/mo.thereaHer ~I Now with FREE Accelerator foI tM ft~st !Z months!-a'80 va/w SIGN UP TODAY: 1-877-778-1207 Mention Offer Code: GARNET Or visit www.peoplepc.comlgo/garnet Capital ~`• GOLD VISA ACCOUNT 4388-6418-2716-8845 ao3 peoplepc~M online u Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Virus Protection powered by symantec*M ® Pop-Up Blockerr"" ~j Spam Controls ®~ Smarter Smart Dialer Technology ®~ More Email Addresses ® '~ Internet Call Waiting APR 28 -MAY 27, 2005 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance E735.23 Payments, Credits and AdpMments E.00 Your scheduled Payment has not been received. Please remit the amount due appearing on this stagement If Transactions E64.00 you have already made your payment, Please accept our thanks. Finance Charges E9.78 Transactions New Balance ES09.01 Minimum Amount Due E109.01 1 27 MAY CAPITAL ONE MONTHLY MEMBER FEE E6.00 Payment Due Date June 27, 2005 2 27 MAY OVERLIMIT FEE 29.00 3 27 MAY PAST DUE FEE 29.00 Total Credit Line E700 Total Available Credit f.00 "Important NoticE" During March and April of 2005, you should have received a copy of the Credit Line for Cash 5700 updated Customer Agreement, which included the Arbitration Provision, for your acrntmt. Our Available Credit for Cash E.00 records indicate that you opued out of the Arbitration Provision in 2001 and we wanted to inform you that your acrnunt is not subject to the terms set forth in the Arb~ation Provision. Your account is, however, subject tb all other terms included in the Customer Agreemeru. At your service ?e nB Customer Relations or to report a bst or stolen card: You were assessed a pace due fee of E29.00 on 05/27/2005 besmL9e your minimum payment was not 1-500-903-3637 raeived by the due date of 05/27/2005. To avid this fee in the future, we rtxDmmend that you allow at least 7 business days for your payment to reach Capital One. For free online smamt service and sprawl eatemer offers, log on to: wuw.npitalone.mm Send payments to: Send ingoities to: Attn: Remitronae Processing Capital One Bank Capiml One Swius P.O. Box 790216 P.O. Be: A5015 St Louis, MO 63]79-0216 Richmond, VA 23285-5015 Fitsance Charges Pkarcra rearrrcridcfor important irtforrrtat;on Ralann rate Rrradir Caresba~ne6 ~~~ ,rpflirdto rate R PURCHASES !741.10 .0439796 P 16.4596 19.78 CASH >ti00 .0595696 P 21.74% 1.00 ANNUAL PERCENTAGE RATE applied this period 16.05% PLEASE RETURN PORTION BELOW WITH PAYMENT ~~~~~ 0000000 0 4388641827168845 27 0809010020000109017 A'rau Print rxailag ad~rsr and/ore-trail ehmgrs btlaw vsirtg blur ar blm~ ink New Balance E809.01 Minimtun Amount Due 1109.01 Street Apt Y Payment Due Date June 27, 2005 ' ty Sure ZIP C Total enclosed E Hone Phone Altemste phone AomtsnrNtunber 4388-6418-2716-8845 a FmsflAddres ~ #9014825817229110# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Box 790216 ~t~u~ru~~~nt~~n~t~ e ~ 902 ALLENVIEW DR St. Louis, MO 63179-0216 MECHANICSBURG PA 17055-8604 ~ ~ ~s~~nn~lnu~~~us~~s~u~~uus~t~ut~~t~~nnt~~t~~n~u~t~ ° ~ ~ut~~~ut~~~un~t~n~t~t~u~u~~u~~nn~n~~~nnt~t~u~t~~ Pleare viyite your auaunt number on your cheaF m money ordn made payable to Capital One Banb and snail in the esulared enrulope. peoplepc~M online ~ Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: GARNET Or visit www.peoplepc.com/goJgarnet t~ I~ r_ f' r_ r_ ~_ e~ g O ~r~~ N ~N Peopk+PC is solely responside fa ltis offer, and k rat aifdinted with Cepkd One. CepNal One does rat provide, endorse a guarantee, and b not a1611ated with, arty product a service dawn here. Ary trademarks merdlolled herein ale solely owned by the respective entity. AN rights reserved. By respoakng to ttls oNer, you may be cornrrktrbeating information about yourseN tc the comparry that provides th's product -for example, that you are a Capital One cltstomer. 'PeoplePC Online: First 3 months are billed et 54.97 per rtanth; 59.95 per month thereafter. ORer available to new dial-up subacr~ers at least 16 years of age and may not be redeemed with erry othef oRec OAer subject to change et any time. Phone techrlid support avallable for 51.95 per minute. tAcceleretar is free fa 12 rranNe. Offer good is united time. After the first 12 months, the Accelerated service wiq alaortraNeaiy revert to the standard PeopklPC Onlne service. Offer subpd to ~hangela anytkne. Wih PeogePC Online Acceleated, certain Web page letct and graphics wit bad faster when compares! to tiarrdard dial-up Internet service. Actual resuNS may very. PeopbPC Online Aooaktated is any compatible with PeopkftC ONina Internet service end sptafied Windows!! browsers. PeoplePC Onine Accelerated is not compatible with Windows®95 wih IE 5.5 SP2. Service not avaiaWe in all areas. Access fees, taxes, and o0er fees and restrictbns may apply. Telephone tot charges may apply, even dttritg Mel paioc~. You are resporreible for determiing whdher a cell to one o1 cur ecoesti numbers wiN result in mlepfwne taN charges. Access may be limited, especiagy during tines d peek usage. Dial-up rambere may be changed d PeoplePC"s discretion. Corrtinuots use subject to tktaoul procedues. AN t>se is stlojed to PettplePC Orrkne's Services Pgreernent end Acceptable Use Policy. 56K is the mexkrxlm speed of servlee; actual speed may vary. ® 2005 PeoplePC Inc. All Rights Reserved. PeogePC Online and its logos are trademarks of Peo(inPG in the U.S. and otira caumries. ® 2006 Capita One Services, inc. Capital One is a tederely registered service rtaric. All rights reserved ppeedoek rate. Tp aMain the average daly belartce for the bilirg peeled covered by 1Ha satemerd, we take the be9ranN belstra of eedr 9a¢nem each day, add any rew trartuctiaa to eadr seg~~~nt, acct srhtreet any peytde,da or credo. (It the code N appears m tin form of this sutenratt neat to 'Balance Rate Applied To,' we also sinract any trpeid lrartce drarge krckrded in tin halarrce of eadt aegmer~t) Tfss given u tin defy bakrtce of each aegrnern. Then, we add rq ell tin dailyy helerrea far earn aegttem for de Nlling period ant dvfde by tin ford amber of deya to tin (tilling period. 7fia gives us the average dilly mlarrce of each a°4nerd. 3. ArwW Pare~+tapa ilasaa CAPRI. a. The term •Amel Freroentega Raro' may appear u APR' m tin trortt of tltfa natemem. b. I} tin Dods P (Prkrrel, L f3-nro. UBORI, C (Cerdfirate of Deposit), a S lBstkrard Prime) appears m the from of this sutemart mid ro tin pededc stela), tin pedals rates and oareaperrdng ANNl1AL PERCENTAGE RATES may vary quarterly acct may increase or deereue mead m rite aurae ktdoea, as loud n TAe Wall wear Jdanal, qte tin margin preMadv dedoead to you. These tlar~a wfN m e ye m tin Artn day of your filling parted covered by year pedadc atatemem erring in the mantM January, April, July acrd October. c. If the mile D tPrkrtel, F (f yrro. LIBOR) a O (3-mo. UBOR Reprkxd MarNrly) appmre m tin firm of your autemmt next to the pedodc rmelsl, tin pedadc rates and eoneapanring ANNl1Al PERCENTAGE RATES may very mmdlY and may increase a dtaxeese mead m tie anted irtdtea, u found let The Wee Street .brine; plea tin margin prevfoadV dadaeed to you. These changes will m effective m tin first day et yea filling period each madh. 4. Asaserrrt tN IuN, DusrNrrrt acct ftasrrrad Paymrt Feu. Your saran wiN m eeaeued ro more then two of the fees Noted here drat trxar doing arty ttiNktg perkd. Under tla tame of your autanar egseanaa, we re®rve the rlgld ro waive a not to asset any fees vvidraa prior rtodflration ro widen waivfifg ar des ro sasses the same a simler at a later time. 5. Yar Aoasrrrt. If s membenFtip fee appeare m tfa fiord of Ws etsterrras, Von have 30 days tram tin date dtis eeterrrertt was mailed to you to avoid payirq tin fee a to lave srlr tee credtrd to ypu if you ranoel your errarnt. Orrkp die perfect, you may corttlre m use your socdnt vWdtaa mvirq m pay tin rodrrrrr raNkp Rd ie~Depe~mnent and P°V Y~ -New Belstce• in tut (exdtrdrg tin marnbeulvp feel prfa ro tin acct of the 1HrtVd°Y P°rl°d• 6. M Yttu Close Yrrr Aoaars. You ran reQrae to dose fyoarar a®ur by ranting ov Llydarrrer Rdadorr oepertmerd. Von mus tlaeroy yea creel[ rarrNd std armrr arras dacka, rartcel aN presrledzrd biMhq, end cease ~~!~.Mr eorarrt. R you do not rartrel Preardndzeo oerrtg °rtangsn°raa, we wiN eenddar reoafpt of a dtsrge your atlferizetim to raapen your aocasd. AdddorteNy, your aacarrt wNl not be rloeed oral you pay al amass You owe s Ntdtatlrtg: any treraectterrs you mve euherized, tfnerra dargs, pest due fees, ovedmk fees, reacted peymaa tees, rash advsrne fees acct arpr odor fees accred ro yea aooard. Val are reapadtie Mr dace amants wfteder ~appear~rn a ~ at~~ ~~atetm to yttu rec(,trt ro dose the errarr. THs may rash h riarpea appaerfrtg m your acoerrr after yet have your ecrnrrr if h has dresdy been closed. For exsrrple, if you atrtlnrizrd a purdase from s mordant acct we recdve the trerescdm from tin nrerdterx after yar erreux fns men rioesl, Y°u scx:otrs wM m reopened, the amard of the tYarge taAN m added ro your aoran, and yyoouu vriN m responsible for payment. If there is a memhereNp fee fix your aomrrs, the fee wIN txrrskxre to m ther~d, to fire eraera permitted bV Mw, acct the secant balance me men P°~ ~ ~ as defired ehoue. 7. Usitp Yea Aaaaara.Your card or acmtrrl Grrtat m teadin eorrrectton with arty irdamaf gemttNrq trerwcdare. 8. Nolbs Abet Elsatratia CJrsk When you provide a dreck u peymaa, yea authorize u either to use krfamatien from yar t9reck to make a arro-time eledrorie krtd trenafer from your tank arrarra a to prottesa tin payntertt as a deck traraaction. When we tee fnforrrretion fran Vas tlreck m make an dadratiC ftrd trerofar, firtda may m withdrawn from yea mole acmra ae soon es tin acme day we receive your peymem, acct you wYl rot reodve you deck heck from yore finarrdal kadnalon. BILLING RIGHTS SUMMARY Iln Ceae Ot Hras Or Otesiere Ahaut Vaur BiN1 If you think yea till is wratp, a it you reed more inbrmatim m a varrsacrim or HN, write ro ce m a aeperete sheet ea soon ea poadble at the address for irtqudea strewn m the irrtm o} Chia sutemem. We must hear from you ro later tltsn BO dayysa afiar we amt you tin first rill m wtirh tin error er prehlem aPPPared. Vou can cell atx Customer Rdetiore rsnrber, lxrt doing so wiN rot reserve year rigMa. h your letter, give tx tin 7dbwfrrg Pnformedam yaa name acct accord amber, the dollar emtttm of tin stated error, a tteacripdm of tin error acct an et~laradm, if poedtle, of wfryy you believe tmre Is an error; or it you reed more mfomtatim a dueripden of the hem you are utsrre about. Vou do rot have to pay any amaun in rlrteeion wtie we are krvestigetirq it, tan you are sdll ahligateel to pay the pane of your bill that are not in gtestim. While we inveetigete your question, we tearer report yotr ea rWilt¢arrt er take any el'Im to CeNect tin amount you gtesdm. t,t Spedal File For Credt Card Purchases If you mve a problem with tin quality of praprrty or eeMoes that you Wth a credt cad acct you have tiled in faith to txrrel the protiem widr the mordant, you may have tin dgfd rat ro pay tFe remairing amard due m tin property a services. Yeu lave tNa prlelim ply Wren t(a purcMae wee more torn 950.00 and tin prtrrheae was ma in your bane atete a whFin 100 miles o1 your marNng address. 111 ate owe or operate tin merdtarn, or if we maNrd Wu tin adverdaemem fa tin Property or aervitxra, aN purdases are covered regerdeas et amartt m locedm of purdase.) fleece ranmtmr to dgn aN mrrespendsr[:e. t Oa!s rot apply b ocrnmurrerinn-r~e~f card ecrarua t lbea rot apply !o busstess non-credit cans accourtis Capital One supports information Privacy protectim: see era eat www.cc~~trulone.can. Caphd One is a fsdaraNy stared rrvice mark of Capital One Frtaraul Corporetim. AN dglta reserved. ° 2003 Capital One Ot LGLBAK 1. How To Avid A F'irrtos Clrrpa. t a. Oreca Pried. you will have a matimun grey peeled of 25 days whftout 6artce tdrerge m new ptadases, new balance trenefars, rew apadM Pcadtaaee acrd new other drergu if you PaV V°ur totM •New Belartoe•, in seeorderne with tin tmportarr Nadce far peymsas below, acrd let time for k ro m eredted by ytty next seternen daeing date. Torre is ro grace period m cash edvertees std rtpadd trsrafare. In adltion, there )s ro 9rece Dedod m any trertsection if you do rot pay tin cdal •Naw misra.• b. Aeatitg Peaces ~fi°. Trertrreetiorta vkvrh are tat ftmmdaate of~the~tranaecrellatstraaihe ~e~tltef ) treraection is proremed to yar Atxart a 3) fran the first ralerder ley of the accrete hilirrp perbd Addtiortdly, if you did rot P°Y dta •hlatw Bdstce fran da prevtata ltiirtg period n fuN, iktstce dargas rrrtdrse to eccne m yax updd belart® until tin rr1P°id balance a paid let fill. This means eat you msy atlN owe firwrce Barges, even if yea pay the attire Now Belstce trrdcated m tin furs of your statement by the text eatertterr rJOekq date, to rid oat do rn Mr tin previote mash. lJrtpaid firartce dirges an: arktad m da ~pNrabh sagtnsrt of your Arrant. t c. hNritrsan Ffnerw QtsY°• For each hilerg P°dad that your eaautt fa~~ect m a firartce darga, a mktirrrtm ford FINANCE ftOE ofn9p0.50 wi emp~tiimc~pos~d IfYt~her clods erat (sl isb lac then 90.60, we v~iN ~masittuct that amara from tin 80.50 mWrsm and tin dfference wiN m biNed to tin prrdaso sagrarr of you errrtnt. t d. Tsrrperry Redrratim in F#tsas Chr9°. We reserve tin ~mppee__ asset ant a at Nrartce Barges fa any givrlt 2. AvarsOs ~V Bslrros 1 Nwv Ptrriesul. a. Frterrce large Ia ralalated mudgNrtN tin daily mlartce of salt aegmerx of your srmH le.g., rash advance, purdase, spedd trsrrier, end apedd ptrdaae) by tin cerreywrdrtg dsiiV P~ retelsl that has been prevfady dstioaed m ypu. At the acct of eadt day durkg fire hiartg period. we °PdV tin daily P°~c rate far ulr eagners of your serars m tin daily Italertce of tech To~tfaee dei1V ofralale[iatoPer~ind, M ya~udrd tp periods lkrarrce Merge fir ulr segment. We add tp tin resits tram eedt sttgmarx ro arrive et the toed periodic firartce large fa yea arrarra. To gat tin dairy hdartce for earn »r of yea sward, we uke rite b°flirrrnN mlartce for sack segnent and add srr~~yy raw treraetritra acct cry ppaariodre frtsrtce drarge ralrxleted m the preNere day's belertoe for Ihet aegrtsr. We then subtract any paytrrara a credts posted es of that day that ere dbrated to trot segrrerr. This gives u tin separate rtaly belartce for eadt aegrrrent of your eerbrrr. Flowever, {f you paid tin New Belarrce drown on yar previaxs ataterrrertt h fW (or if you new mlarrce was zero a e credt arrant), raw trsaertiaa which Pas ro War prn3es w aperJd purdase sagnsYS em rot added to tin ttely belertcas. We ralalate tin averege daily balertce try addxg aN tin daily balances together acct dvidng the sin bV the nmtar of the days in tin axrard bNNrtg cVde. To ralala[e your teal firartce charge, raltlply Via avenge daily lalartce W the defy periods rate sd by tin nunmr of days let tin hllktA period. Due m ranting m e daily heels, there may m a sNght variance between thin ulrslatim acct tin errterrd of firarrce la rrcneNy areaaed. b. If the aide Z or N appeaa m the from of this natemem next ro •Bdarva Ram AppNad To,' vve raltiply the Irrpetes Nadoc PaWrsna you mail to w will be credted to you accord as of the htrdrtes day we receive k, proNded /t) you send the bottprrr ptrtim of 1Ns Slatemem and your lack in the rxrdoaed rerrrittartce mgelape and 12) your paymsn la received in oa prooeaing center by 3 p.m. Er (12 noon PT). fleas allow at leant flue 15) budrer deya fa posh deNverY Paymans received by ce at any odor location or in any other lam may rat be credited ae of the day we reserve them. Our buiraaa deya are Malay Uaough Saturday, ezdudrq haNdays. Please tb not tae stegr paper dips etc. when preparing your pa trd. Wlan you eatd a a deckle), you atrdtodze to to make sera-time dectrmic trarnfer dedt Tram your bank accord Tor the amarn of the dock This autfadxatien epplea to aN decks recdved during the bNNng cycle even it earn by aaneae doe. I1 we carnet process the trarater, you audwdze us to make a large agairat your bank accartt trarq the dads, a paper drab or armr item. YOU COULD SAVE UP TO $400 588738 OR MORE ON AUTO INSURANCE WITH ONE PHONE CALL See reverse for details-- ~pi~'~~a (30LD VISA ACCOUNT 4388-6418-2716-8845 Account Previoiss Balance 3809.01 Payments, Credits and Adjustments 350.00 Transactions 316.00 Finance Charges 310.55 New Balance 3785.56 Minimum Amount Due 385.56 Paymem Due Date July 27, 2005 Total Credit Tine 3700 Total Available Credit 3.00 Credit Line fm Cash 3700 Available Credit for Cash 3.00 At your service To ~ Customer Relations or to report a lost or stolen cud 1-800-903-3637 For free online account service and special eutemer offer, log onto: www.capitalonemm Send payments to: Send inquiries to: Attn: Ranitrance Processing Capital One Bank Capital One Swicrs P.O. Box 790216 P.O. Box 85015 St Louis, MO 63]79-0216 Riehmond, VA 232x5-5015 MAY 28 -JUN 27, 2005 Page 1 of 2 Payments, Credits and Adjustments 1 28 MAY Cap 1 EleeronicPhonePmt AuthI?ate 28-MAY 350.00- Transactions 2 28 MAY PAY-BY-PHONE FEE 310.00 3 27 JUN CAPITAL ONE MONTHLY MEMBER FEE 6.00 Capital One is proud m support The Heart of America® Foundation, helping children learn to read, sur-eed, and make a difference in the world. In 2003, we gathered needy 31 million worth of books for children in need. To learn more about how you can hdp a child make reading a 1'~felong passion, visit www.heartofameru~.org. Firrarlce Charges Pkarcra seexrrcridcfor inepartant irtfamarion Balmue rate Pbiaryr (.erre.~Danaring ~T~1~ applielto rmEr ~pR Al( m PURCHASES 1774.29 .04397g6P 16.05% 11055 CASH 3.00 .0595696P 21.74% 3.00 ANNiJAL PERCENTAGE RATE applied this period 16.05% ~ PLEASE RETURN PORTION BELOW WITH PAYMENT Cap>~a~ipnea 0000000 0 4388641827168845 27 0785560050000085564 Pl'iasr p,;er mailircg alaxrr a~ar• e-nraile6mgrt &loar rsirtgblur ar blak i,eL New Bahuue 5785.56 Minimum Amount Due 385.56 sleet Apc Payment Due Date July 27, 2005 sty s~ zlP Total enclosed S ~~ Home Anne Almnate Phone AsxountNrunber. 4389-6418-2716-8845 ~ EmsilAddress ~ #9017925817229115# MAIL ZD NUMBER ~ DEBORAH L GRAHAM Capital One Sank ~ P.O. Box 790216 ~~~um~t~~~ut~n~t~ ~ ~ 902 ALLENVIEW DR St. Louis, MO 63179-0216 MECHANICSBIIRG PA 17055-8604 ~ ~ ~t~~ttn~~ttu~~~nt~~~~n~~run~t~tu~~t~~ttm~~r~~u~tt~r~ ° '~' ~ut~~~m~~~~u~~~~u~i~s~u~n~~n~~un~n~~~nut~s~n~t~~ Please rrnitey~our aUOnnt nsvnber on.ymn r1xc.F or monry order madepayahle to Capital One Aan.F and moil in the erularedemxlope. A few minutes of your time could be worth up to $400'or more. Call {80~} 993-5065 today to see how much you could save! (Please mention Priority Cods 9414176093) or visit www.getmyquotenow.com. 'Savktgs amounts are Dasad on irtSUrartee premkrrt imernlelldrl provkted oy purchasers of Irtwrerica INSURANCE PRODUCTS ARE NOT DEPOSITS. OR OTHER OBLKiATION$ OF, OR nrough a simaar program, from 2131'1004 m tt/11/2004, d~ try the Ncensed agate of ktat~c GUARANTEED By CAPITAL ONE; THEY ARE NOT INSURED BY THE FDIC, ANY FEDERAL Corporatbn ('InsLOgiC', sn a1NNata d Caplet One Bank, Ceplal One, F.S.B. acrd Capital One GOVERNMENT AGENCY OR CAPITAL ONE Your dscirm to WrMass Insurance and your choice Financial Corpuacoe (cei1ac11VBly, '+Cepitai Ora'. den imurer err agent wiN have rte effect m your elpibilily for any Capkd One product or service. Capitd One auto kuurertce M txouglti to you by Capita One Insurance Agency ('COIA'), an affiNsa of Capital One. COIA k a licensed irrsurertce agency and provides all intortration repeming ateNable intaxarrce prod#s. Insurance prodkta ere provloeo by rion~fNiietee peMdpelkrg insurance twmperMes. Appkgms ere iroivkirrly rxidarwdtlan and nd ail applicant wiN queiNy for karrrartce. Not dl Ftsuranca poNcies and product feabres ero evaNebla M all stares; thla M not an ofla m 90NCNatlon in any juraddion M tvffidt Nor pdicies a Dreduot teetures are not approved for sale. Captal One dose rot provide, endorse, or gtaremee any third-perry product or service shown has i~ tttt~ NNN~ fi NNNti• ti llililllilll!• NNfi ti 8 0 i O ~ t0 M ~w O 2005 Capital One Sarvkes, inc. CepNal One is a lederelly regissretl service mark. AN rigMa reserved. Caplta~Q~• ~ auto insurance ppeeriods rate. To obtain the average lacy helatee for the dNing ppaeled covered by tits natemern, we tetra tM hegirrwig balance of each sePnart each deV, add arty new iransacdme to eadt segment, end sLtram any paymmta or credta. 111 the code N appeere m der hem of this natemern ran fo 'Balance Rate Applied To; we also atbtrect any uryafd fnerra large fndtded in the Fxlartce of each ae~Nn~rc) This given s the defy balance of each aegnerri. Tfwn, wa add up aM tla daily balances tdr each aegmern for the tilting ppeeriod erd dvfM by Ha trod rasnher of days h the Fillktg pedal. TNa gives ue the average dairy balance of each segnern. 3. Arwrl Parerrlapa Raaaa iAPR). e. The rem 'Arwrd Perrarsaga Rme' may appear as 'APR' m tfa hem of cite neteman. b. If the code P fPrknel, L (3yrto. LIBOR), C (Canitirate of Deportl, or S (Bartkcard Pdnte) appears m the from of this natemart non to tfa periods carets), the Pariadc rhea and mnespertdrtg ANNUAL PERCR~fTAGE RATES may vary r)rterteriy and may irtcreaae err decrease based m the sated irtdrxs, as tend in iAe War Street .fotrrtaf, plu the margin ppreviady diatlosed m you. TFteae charges wIN be effectve m the fret ley of your tilling period covered by your periadc atateman ertdrtg in the mmths Jaaary, Apd, .h1y and Octaher. c. If the code D (Prknel, F If~tw. LIBOR) or G (3ino. LIBDR Repriced ManHV) appeere m the tram of your nnemad non m the pedals carets), tla periods rates and cerrespervirlg ANNUAL PERCENTAGE RATES may vary memNy acrd may krcrease or decrease lased m the armed ktrioea, as lard h The War Sheet .Iormel, qua the margh previously dsdosed to you. These dartgra wiN be effective m der Aral day of your billing period each memh. 4. Atssssmrt of Lars, OwrNrrrt acrd Rstlnttd PMr-rt Fss. Your sorara vat he sressad ro more drat two of the fees Noted Fare tlat aces daYg arty bNwtg period. lhdar der tarns of your aetemer agreenras, we reserve der ri~tt to wdve a rot m aseas arty fees vtidrora pfor rndNration to you withart wsivkg our right m saes der same m arrtNar fees a[ a titer time. 5.tRarwirtp Yar Aeaart. If a mentharehip fee appeare m the front of tFis atstemem, Yro ~~ 3D days item der date die atatesterl was maNed to you to avid paytrp the fee a to lave each fee credted to you if you rartcel year aooam. Grktg rile period, yttu may oorttkste m use year amarl tsitltorx MNrtg to pay the memberefip fee. To rartcel Yar aratrm, you mtts[ nodry s W rairtg err Qtstontar Ralatiera f)apertman and PeV yttur'New Balance' h 511 lenirtdrtg der marrheralip feel Per m the erd of the thirty-day parted. R. M You Clot Yar Asaarit. Veu tart rapltau to do® arrant by caYktg our tlaramer Rlatlorta ~sMraa. Veu rarer destroy your t:radt mails) and arrorrrt asses dtecks, tartcel aN preaafnrized bNiktg, acrd case yw arxaart. If you do rot rartcel receipt o of dtage yar Medan m~reopenyar arratnr. AddtiatMY. You amours vtiN ms be dosed u1N You P•Y aN amams You owe u hdudrtg- sty trertaadlora you have atsfrolzed, fiance large, pest due lees, everlimir fees. Iedlited DaNnar Taos, rash advance ins and arty cedar fees esseesad m your amain. Vou sin resportaiHe fa these errtetms vfiedter day appear m yar arrarx w the time you realest to des tfa erxars a dray am barred arbsglertt to yerr redraw m do® the eorarr. TFtis may rash h darpas eppsrinp m your attars after you taus _ you aorant if k has dready been dosed. For etample, if you ariftedzed a prsr4tese from a mordant and wa raoeive the trertasetim fiom the menytertt efmr yar aoootnt has been dosed, Your accent wM be raepated, the amarr of the dterge wNl be added m you ecmrnt, erd yyoeuu wYl f>a reaporada for peyrtrat[. If there k a mentbereNp fee for your sooam, the fee wiN twntlnte m be derrrppeadd~~ to the etdena pemYtted by few, rmN der amant bdertce has been pad h 511 as daflned above. 7. NNtp tar Aaaart.Vw card or acwun tamer to used h mrrtactiert with any inemat gem6tnN trertsarJ3ona. 8. Nslios Abort Elaakortia Dusk Glertvardan. When you provide a deck as psyntatt, you aratterize u ddrer m use hfamation from yes dads mmake some-tNre dat:trodc find trerofer from yes bank amainn a to prneeae the {syntax es a deck trerrecdon. When we use hformadm item your tltadt m make an lrttxrorlc krd tratsfer, frstda may be wftMawn from yar hertk arrornt s soon as the same ley we receive yar p~ ,, std ~ trot recdve ydur clack beck fiom BILLING RIGHTS SUMMARY (ln Case Ot Errors Or Otreationa Abort Veur BNp If yw tHnk your dll {s wrong, or it you reed more infomstim m a trensactlm or hNl, write to u m a separate sleet s gem ea paella at der address far irtgriris shown m the fraM of this nneman. We moat hear cram you ro later then BO derya abet we son you the firm NN m wNdt der error or problem appeared. You ran call our Ctrrnemer gdnlaa rerrrher, but dektg so wiN rot preserve your rigMa h your letter, give ue lfa 4dktdng infamatim: your nerve and scram nlnher, tie ddlar amour of the xupect~ error, a deacriptien of the error and an etrplaradm, if poarWe, of Whr ynu believe there is an error; or it Vat need more informatrm, a deaeriptien of the item you are trtare ahem. Vw do not have to pay any smarm in gieatim teltNe we ere inveetigatinq iI, bur ya, are atiN ahNgstad to pay rte parrs of year hilll 1Frn are not in grrstim. While we invest{gete yore wra caterer report you ere ddirtgrrertt or take any act to eeNecl the amrtrrn you glastim. i,t Spedal Floe For Credit Card Purchases If yw lave a preMem with cite qudky of progeny or services tMt yar pumheaed with a credt urd acrd you Mve tried h good faith to correct the prehlrrm with the mertlwn, you may have the right rat to pay the remaking amain due m the preparty a services. You have title protection edy wRan the purssrase price wee mere 1Mn b50.00 and 1fa parries was made h you home orate a vJthin 100 mike of yar mdNng addres. (11 vue awn or eperete the tnardtam, or if we mailed you the advertisentertt for the p rty or services, aN purdtasea are covered regardesa of amourn or ktcafian of pudwse.) Reese remember to rgn dl mrrespondertce. t Goes ndt apply to consumer ran-crest! raid accents i Orx_s rat eppty to blA9rleaa man-rredlt card accounts One supports infamadan privacy protection: see err at www.ccaapptakra.rbrlt. One is a laderdly regatBred service mark of Capital vandal Corporation. MI rights reserved. 0 2003 One 01 L(iLBAK 1. Fiotw To Avid A Fitsrtas tlrpa. ter. l7rsoa Period. You wfN lave a mhimun grace period of 25 days wftMU fktsrra dterge m rew purchases, raw helatce trerefrere, raw Redd pudteaea end new odor dterges if Y~ PeY Your tad 'New Bdanoe', h accordance wilt the krtpa'taY Nedca fa payments blow, erd h tine for k m be raadted W yatr ran ueterrterM cloektg dam. Tigre k ro grace period m rash advances std apedd trerakre. h eddtlon, dare is ro gvece period m sty traraaction if you do rot pay der tad New balatce.' h. Aeauig Firvtoa t7taps. Trarteactierre vJridt are rot frog ni~tlte deto~of tia~rarmetiortfrmr rite dete~dtet 1 treraeetiort is prorased m your Amant or 3) from the first celendar ley of der accrete h.irt~ period. Addhiatdly, if you rid rot P•Y der 'New Bdertce frnm tfa pmNata dtfhg period h hi, firtertce darges rmdnte m erxnc to your rrpeid blare trtril the urtpsW bslertce fa pfd in fW: Thin means dot you may s1iN owe (hence large, even d You pay the entire New BNatrB ktdceted m the brae of root do eo for the previate marNh. lkpddd RbraB rlarpas are added m its sppN®He segnem of yes Amarrt. t c. l4Nrrkrsrrt Fitsnas Cl-gs Fw eadr hitting period tMt your actnrnt k slbjari m e fitatce large, a mkirarrt caret RNANCE CrHgAeRGE ofrt1p0.50 wiN heeppiNmrpo~ed IfYthner periods stet (s) kis lass den 80 60, we wiN ~abusd flat amours from the 8(1.50 miNrmm std the ditaatce wiN be hNkd to the purdaes ~gna~t of your arrant. t d. Terrpvary Rsdrrolim kt Fkrraa arsrys. We reserve the ri~ to rot asses arty or aN flnertce tlarges for sty given bNlkg Period. 2. Average DW Bslras Ihe5s3to New Rrdrrresl. a. Rnertce large is elrllated y mtltiplying der daNy belartce of sdt segrnertt of your eaters (e.g., ceah advert®, purdase, spell transfer, and apedal prrdasal by der mneapordrtg daily Pedodc remlal dot has tam pmtlndy dxiosd m you. At the end of each der hiNirtg patrol, wa aPdY ~ ~V Petals rem segman of year ecrorm to der daiV balance of eadt aelbrtera. TFan st the acrd of rite ng period, we add tp the reaita of [Ease daily ralnia[fare to emus at yes Dedode flrtertce charge for salt seArtem. We add up tla merits from eadt tlagnent to emus at the tool periods Amerce Uterge for your avant. 7o get the daily bdertce for each segrartt of your errant, we take the bedrritg belatce fppoeer each aegnaa std ~d~d~~~!'~~!°~r~~~~w traraacdore day'~t>elertce for Wa elan ar6treet ~yy an paymass or credts posted s of that ley that ere ellorated to tier asgnatt. TFtis given us tfa aeperete tfeNV belerc~ for each segrttatt of your arnorrx. However, if you peb the New Balatce slnwn m year preview statement h 5il (or ff your raw fwlartce ws zero a a Bradt arrtantl, raw traaediate wFtkit pat m yorr prrrdtas or apedd purdase sagrnerxa em trot added to the daily bslartces. We celalare the avenge daily belertoe by addrtg at the daily bakrtces togaFar and dvidng tla arm by rite ember of tla days h the arrerM biNktO cY~. To ralalate yotr tad flrartra large, rrrtltlplV Wur average deNy balertce by tie daily periedc rete and by the ember of days h tFa aNng period. Due m rardrtg m a daily beats, them may be e sNght variance bettueert rive cekYlatrm and the amain of flrartce derrge aYttaNV aseaaed. b. It the code Z or N appeaa m lfa fiern of tNa smtemmt text to 'Belerra Rate AppNed To,' we rraiddY ~ IrrgortaR NolFsr. Paymama You mail to us will be credted to ywr eccotrtt as of the burros day we receive k, Provided If) you send the bottom portlan of tHs alnemrm and your dteck in der entlosed remittance mvdttpe and (2J your paymem fa received in our proceping center by 3 p.m. L7 112 rem PTI• Reese eNow at lean fve 15) Ntu.rtes days for pta[d tldivery. Paymema recdtred by s at any odor lecadan or n anV odor foes may mat be crednod as of 1Fa derYy wa receive them. Our daraaa days am Manley through SaturdeY, esdudrtp ftaNdeya. Reese do not use ataplea paper ripe ac. wftm prapadrtg your peymad. When send ue a dteckls), you etNtod:e w to make carts-rime ekjctmNc transfer debit ban your bank eaarn for the arrant of the dtedc This audtodzadan eppNea to aN dacl® raceited dakg the hi1Wg cycle even it gem by sanema dae• If we umot praceas the trerrefer, you auNtodze trs to make a large agsirat your bank accord uarrg the deck, a (taper draft or odor hem. zoi5~4 6.00% A P R Save money with a Home Equity Line of Credit ~apitalQ~'~ home Ioans~' Credit line up DEBORAH L GRAHAM, to $500,000 Save more money with rates as low as Prime, currently 6.00%.* Consolidate bills, buy a new car $0 closing cost or pay college tuition. The choice is yours! options And because you're taking advantage of the equity in your home, the interest could be 100% Pre-Selected tax deductible (please consult your tax adviser). Call about a Capital One® Home Equity Line of Credit today. You could have your money in as Approvals in little as 10 days! as few as 75 minutes! For a Home Equity Line of Credit, call 1-866-896-9596 ~~ 2 of z Mon-Fri 8 a.m.-9 p.m.; Sat 8 a.m.-5 p.m. ET or apply online at wvvw.capitalonehomeloans.com Your Reservation Number: 6877 017 234 2115 "Variable rate in effect as of 05/04!05. Capital One offers more than just Home Equity products. You can take advantage of our other home loans, including mortgages and refinancing offers. Call 1-866-896-9596 or visit www.capitalonehomeloans.com Q for more information. ,~,..,, LEROER Hti~ xoioNS urorA z~SW Answers To Your Questions About The Capital One® Home Equity Line of Credit Q: How is the Capital One Home Equity Line of Credit different from a traditional credit card? A: With the Capital One Home Equity Line of Credit, interest you pay throughout the year could be 100% tax deductible (please consult your tax adviser). Plus, it's a line of credit, so you'll enjoy a higher credit line and lower APR than most traditional credit cards offer. Q: How is the Capital One Home Equity Line of Credit different from other home equity products? A: We`ve streamlined both the approval and the closing processes, so you could have access to your credit much faster than with traditional home equity products. Q: How can I use my Capital One Home Equity Line of Credit? A: You can use your line of credit to pay for almost anything-pay off your higher-interest-rate credit card and loan balances, make home improvements or start a new business. Remember, no matter how you use your Capital One Home Equity Line of Credit, you may be able to deduct 100% of the interest at tax time (please consult your tax adviser). Q: How can I consolidate existing debt? A: You can call our Home Loan Officers to find out how you can transfer your other balances. Or you can use one of your access checks to pay off another account-it's up to you. o~ o en ~~ N Q: How can the interest be tax deductible? A: Since this is a home equity product, the interest you pay on your line of credit may be used as a deduction on your income tax return. In January, you will receive IRS Form 1098, summarizing the interest you've paid throughout the previous year. Please consult your tax adviser regarding deductibility of interest. Q: Are there any check-writing or transaction fees? A: No. There are no transaction fees or check-writing fees, so you can use your line of credit any way you choose. Q: Can I get cash with my checks? A: Yes. You can write a check to yourself to get cash when you need it. Q: How do I apply? A: Simply call our Home Loan Officers at 1-866-896-9596 or visit www.capita lonehomeloans.com. It's that easy! Capital One, F.S_B., Home Equity line of Credit amounts range from $15,000 up ro $500,000. Lines of Credit up m $1,000,000 arc possible In Texas the line of credit may not exceed 50% of the home's value. Il/at16 arc not available in Arkansas. The interest rate is based on the Prime Race as published in the "Monty Rates" section of The Wall Srmr journal, plus a mugin on loans with a combirte<i loan-to-valor ratio of (eu than or equal ro 80% in Texas (10096 N other states), and is available on a single-family, owner-occupied, Prirnuy residencx only. The Prime Rate-and, wnsequently, the Annual Percentage Rate (APR°)-can vary monthly. The amount of the margin ranges from 0% to 7.996, depending primarily on the amount of equity in your home and your credit history information. Maximum pouible APR is 18% (krwer in some states). Please call us for more derails. No annual Fee on Gold Home Equity Line of Credit programs or if the initial draw is $20,000 and the daily balance averages $20,000 for the first ] 2 months. For other programs, a $75 annual fee applies in most states but it is waived for the first yeas In several states, an early tetmirucion fee of up to $350 applies. Neither the annual fee nor the cady terminarion fee applies ro Texas residents. A minimum initial draw of $15,000 is required. In Texas subaequenr draws muse be at least $4,000. For closing-wst-option programs: Closing costs range from $500-$2,500, depending on amount of credit line and pmpexry location. Texas residents are eligible For nu-ducting-exit programs only. Races, programs and loan reyuiremene vary from state to stacc and arc subject co change. Please call us for mum details. This is nor a commitment ro lend. Capital One is wmmitced to making every effort to fend the right product for your situation. However, in some cases, when we are unable to provide you with a Capital One product, we might be able co give you another choice of mortgage products. We would then put you in contact with Full Spectrum' Lending, a Division of Countrywide Home Loans-one of the largest mortgage provides in the country. This offer will only be made available to }rou with your permission and only if Capital One is unable co provide the tight product for you. ® 2005 Capital One Services, Ltc. Capital One is a fetien0y registered service mark. Any trademarks mentioned herein ate wlely owned by their respective entities. All rights rrservctl. ~~ First 3 months half-price a month; $9.95/nto. thereafter SIGN UP TODAIR 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral ooa peoplepcTM online ~ Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months! ® Email Virus Protection ® Pop-Up Blockerr"" `~ Spam Controls Smart Dialer '~ Phisher Security Internet Call Waiting f~pj~~0~• GOLD VISA ACCOUNT 4388-6418-2716-6845 Account S Previous Balance 1765.56 Payments, Credits and AdjtMments 1.00 Transactions 135.00 Finance Charges 110.60 New Balance 1631.16 Minimum Amount Due 1131.16 Payment Due Date August 27, 2005 Total Credit Line 1700 Total Available Credit 1.00 Credit Line for Cash 1700 Available Credit far Cash i.00 At your service To eaB Customer Rdatiosss or to report a lost or stolen lard: 1-800-903-3637 For free online smeunt service gild special alstomer offers, log onto: wsvw.npitalonecom Send payenems te: Send inquiries to: Attn: Remittan« Processing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 Sc Louis, MO 63179-0216 SLC, UT 84130-0295 JUN 28 -JUL 27, 2005 Page 1 of 1 Payments, Credits and Adjustments Your scheduled payment has not been received. Please remit the amount due appearing on this statement If you have already made your payment, please accept our thanks. Ttattsactions 1 27 JUL CAPITAL ONE MONTHLY MEMBER FEE 16.00 2 27 JUL PAST DUE FEE 29•~ ""Notice of Change In Account Temts'°' If your account is five or more days past due within six billing periods after being two or more days past due, or if we do not receive your minimum monthly payymment for two consautive billing periods, all rates may increase to the Default APR previously disdosed to you. All other terms and conditions on your account remain in effect. You were assessed a pew due fee of 129.00 on 07/27/2005 because your nwtitnum payment was not received by the due date of 07/27/2005. To avoid this fee in the future, we recommend that you allow at least 7 busita~ days for your payment to reach Capital One. Finance Charges PkasaJaseaxrsaJUkfor:mfortant iafornwition ~ Rolmtnraote Perioder Cesrrspmeding R ~1~ ofp(irdto rdr m PURCHASES 1790.86 .644G696P 16.3096 310.60 ~y 1.00 .0602596P 21.99% 3.00 ANNUAL PERCENTAGE RATE applied this period 16.3096 PLEASE RETURN PORTION BELOW WITH PAYMENT Cap,~ta~Qn.~~ 0000000 0 4388641827168845 27 0831160050000131160 New Bal:utcr 1831.16 Minimum Amount Due 1131.16 payment Due Date August 27, 2005 Torn enclosed 1 Acixitnr Number: 4388-6418-2716-8945 Capital One Sank P.O. Box 790216 ItIuInlIlnlltlrlul St. Louie, MO 63179-0216 'VIII ItII1111III111IIIIIIIIIIII IIIIIIII IIIIIIIIIIIIIIIIIi IIII A'rmrpri+et rnaGngaJdvs and/orr„saadmr,~ t~r~oo, e~a~ ~ ate ins ssrKt Ae~+` cry s~ zip Home Plane Altemare Phone 0 Email Addreo ~ #9020925817229110# MAIL ID NUMBER ~ DEBORAH L GRAHAM u, ~ 902 ALLENVIEW DR 1 O1 MECHANICSBURG PA 17055-8604 ~ ~ ° ~~ It11III111IIIlt1lltltllllllttlt1II11II1111It1III11111I1IttIlIl Please unite your auaant number on your rhak or rroney order made payable m '(vital One Bank and mail in the erulasrd emulaQe. peoplepcTM online ~/ Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGNQUP TO~JDAY: 1-877- / 78-1207 Mention Otfer Code: COR,4L Or visit www.peoplepc.com/go/coral PeopkPC is solely responsible fa ttbs offer, and is not affiliated with Capital Oita. Capital One does not provide, erxlorse a guarantee, and is trot aff5iatad with, arty product a service shown here. Any trademarks mentioned herein are solely ownod by the rnspectlve artily. All rights reserved. By responding to this offer, you may be commun'ICating information about yourself to the canparly that provides this product -for example, that you are a Capital One customer. 'PeoplePC Odine: First 3 ntontt>SS of service are billed at $4.97 a month; 59.95 a month thereafter. Offer available to new dial-up subsaihers at least 18 years of age and may not he redeemed with any other offer. Offer subject to change at any time. Phone technical support available fa $1.95 per minute. For questions, call tdl•free at 1-868-51RYNOW. St)Mce not available in all areas. Aces fees, taxes, arM otter fees and restrictions may apply. Telephone tdl diarges may apply, even during trial periods. You are responsible for determfnklg whether a call to one of our access numbers wiH result in telephone tdl dtarges. Access may be limited, espedaliy during tKnes of peak usage. Dial-up rwmbers may be changed at PeoplePC"s diw.retan. Continuous use subject to timealt procedures. Alf use is subject to PeopkPC tktine's Services Agreerrlerlt and Acceptable Use Policy. 58K is the maximum speed of senvice; actual speed may vary. ® 2IX16 PrfoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeopkPC in the U.S. and other countries. ®2008 Capital One Services, Inc, Capital One is a federaAy registered service mark AI rights reserved. ~~ trttr>.t~ ~~ ~~ ~_ t~ trttt~ sssss~ t~ ~~ t~~ T s~ ttt~ S O i ~ ~~7 ri O d,~ N ~N periodic rate. To attain tM average daffy halar~ce for the piling period eavered by this atalelnent, tNe take the begimng helartce of eaM ea9aent eadt day, add any raw trartsactiare to eaM aegntem aM attract anV payments or credits. IIf the cede N eppeen m the frmi ai tiffs smtemem next to 'Balance Rate Applied To,' we also abtroct any repaid frartce charge irwlttdad M the helartce of eerfi aeg~tem.) TFia gives to the dedy ftelarce of eaM segnem. Then we add tq aN the desyy balartcea fa each aegmem far the doing period end dNde 6y the teal rxsnber of days in the 'Ih ling period. This gives ua the average daily balance of eadr sagrnas. 3. AarW Wtaaltapa R~ CAPRI. e. The term 'Amid PaCeraaga Rero' may appear ea APR' an the frond of Nis stnemem. b. If the cede P tPrknel, L t3yrta LIBDH), C tCertltirate of Deposhl, a S (Bankeard Ptfrre) eppPam m the irate of this aatemem rtes ro the pedadc re(efs), the pedede rates and correaPadng ANNUAL PERCENTAGE RATES may wry quarterly end may ircreese or tdxreeae based to the stated irxices, as rood let TM Was SVeei .fav»,U, plus the margin ppreviously 6atlased to you. These Menges NH be effective m the first day of you billktg pe' covered by Vaur padodc slnemem string in the mantle Janary, April, July and October. c. if the c9de 0 (prkral, F (f yrto. LIBOR) a O (3Krro. LIBOR Repriced Marrtldy) appose rn the flora at your atmernertt next ro roe pedadc rate(s), the peddle rates and cormapatdng ANNUAL PERCENTAGE RATES may vary montliy and may increase a decrease based on the anted irtdcea, as fond in TAe Wed' Sliest .Aorrrta/, plus tie margin pretdoudY dadosed to you. These Menges will he etkctive m the Brat day of your piling pedad eadt mash. Q. Asseaarwt of Laq. OtrsAtrrt acrd Rsentsd Payan~rt Fan. Your aerator wN 6e eseeasad ro mac then two of the fees fisted here Chet orates durktg any IiWrtg period llrtder the terms of yaw ra^tarrra egraenterx, we reserve the riplw ro waive a cwt ro eerresa any fees withal prior rotieratian to yaU witltal vwitrktg our right ro aeaasa the sane a skater fees at a titer fans. 5.'rRatwvkp Yar Aoaaat• tf a mttmbomhip fee appears to rte freer of this aetement, you have 30 days irorit the date this stetenters was reefed to you to avoid peyfrtg the fee a ro lave etch fee credited to yat if yrtu rartrel your atratrx. Using this Period, Vou may mrrfinrte ro use your eraorm trltltart heNrtg to pay the membershp fee. To tetrad your erxwtsa, you rrxsst rodN ua by caiirg ar Ctrtaner I#eletiorr Deperanent and pay New Balance' in fit lexritrdrg tfa rfee) prMr m the end of the tHrtydey period. 8. H Yw Clsea Yttrw Aaaaat. Vou ran reQtaet ro does yyowu eanrnl by raWtg aw Customer Rdedate Deperartaw. You mat destroy yrtur txedt ranks) and erratatt aocese dtaclre, recd sA prearttltMzed hisirtg, and cease ~~gyaw amourt. If you do rot rartcel PreaaMdzad b7ktg artengartterlta, we wit consider receipt of a dtarge yttu twslwdtetien to reopen your u~a'I rn~ Pay ai nta~ owe te~ind tdF eg,rJoeed otre~rsrMt ~ retuned Rteroe ~~• Paat edvatee fees and any sear fees e ~ m you accautt. Va am resDarteide for [frees errtoutts whadar they appear to yaw arrant at the okra yttu re¢tast to daae the aocastt a they are ktaxred st6aegtdtt ro yaw regrrtast ro dose the tttxwx. THa may real[ in darpae attPearkt0 rn Yaw errant arts you Pave Vorw amour[ ff k pea dready been dosed. Fw example, if you aahodzed a purcMse from a merlon and we receive the treraecdon tram the menfwtt after your arretstt has been dosed, yorw erxarax wN be ranpened, the etrtawtt of the dterge wit be added to your trcross, and yyoauu will be resparaihle fa peyrrem. If there b a merrtbemfip Tea fa your arrarsx, the fee wal candrsre to ba cMtrpp~td. to rite ardent PemWted bV law, rssN the errdM ftalatra hit been pad M fill ea defined shove. 7. llairy Ytaw Aassurl.Vaw card or accent carrot fx used in eorxtactfm with any irYemat gemblirg traraecdora. 8. tYetlos Abatt Eiasksrtis dreok Corivraon. When you provide a deck n payrttatl, You autlwlze ue tsdter ro use itfttrmaem from Yaw Metic ro make a one-time drtrxroNe itad trarafer from your ftertk ersotatt a ro process the payrrrat es a check trertasraiat. When we tAe krforrrmdorr from yaw t7reek m make en dBLYrafic katd transfer, fads may be wiedrevn fiorrt yrttw battle errernt re scan as the same day vre receive yax peymatt, and you wfa rot rrtt>atve year deck beck from you firertdd irtefituion. BIWNG RIGHTS SUMMARY (In Gse Ot 6rom Or Oueatiare About Vaur Bii) If yet think your hill M wrong, a 11 you reed more )nrormatian on a traneaelian or dM, Wme ro u on e aeperete sheet m soon as peeaible at the address for hu h~mt~yert~no llater tl~n BO d~asyyaaatatem~.~ ~ fiM dN M tNiM the error a prahlem apprytttd. Vau ran roll our r]tstomer Rdadens ember, Ixa defog so wit cwt preserve your rights. fn year letter, give re the idbwing inrotmatiore your name and aceaaH amber, the defter emeua of tie aapected error, a descdptlan of the error and an etplartetlan, it posaltle, of rahyy you believe there Ia an error; or if you reed more inrormatlan, a descdptian of the item you are ttrtatre ahrsd. You do rot have to PaV anV amain in Qtertion wHle tee are imeatigeting h, )trtr ya, are stitl aWpared to pay the parts of your q'll ihet are not in question. WNIe wa inveatipete your ~reatian, we resent report yet n ddktgtteM a take any acrwn m caged the amotm you question. S,t Special RJe For Credt Card Purdtnes It have a goal Y WoPer1V aerv~ioes that yet purtiased with a credf mrd and you have tried in goad ialth to correct the problem vNth the mercharn, you may have Ute right rot to pay the remaking amain due an the property a nrtdon. You have this prmeetlen rtNy wfwn ties ptschese price was moos then 950.00 and rte purMese was made M your home elate a witNn 100 miles of your mdfing address. 111 we own or operate the merdtttm, or it we mailed ya, tie advertisemem for the prapeny or nrtdees, afi purdteses are covered regardeas at amain a location of purchase.) RPase remember to sign alt correspardawe. t Dons rot apply to cortwprter non-credit card eccoratts t 41oee rot appl y to basbtess inn-r~adrl cad accents One atpporta inromtatian privacy pralecdon: see cur 81 WVVw. arle.aaln, One is a rosy regtatared service mark of Capital arrtial Corporator. PJI iighu reserved. 01003 One _ - _- 01LGL94K ta. (iraos Pariad. You WII have a mintmun grace period of 26 dsVS withou fetace Merge en rew purdteen, rew boleros transfers, new spatial prrrlasea and rew odta dtergea if you pay Your total 'New Balarra', h arLerderra with the NnportarK Nofice for paymerYa below. end let time fa k to Ire dedted by' your rtetd antterrrerw doeirtg date. There re ro grace period on cash adwrxxts and aPadal trerafem. h edditian, [fare is ro grace period on any troraerYim if you do rot pay the tt#el 'New belartm.' b. Aoaruig Fiunsa Clrrge, Trartaectiare whidt are rot artbjerx ro e grace period am arraeaaed firtartce charge t) tram the date of the tmraemien a 2) from the data rite tmrract)on is prora®ed to yaw Accotss a 31 from the first celeriac day of the rawrerx 6illin~ period Addtiarally, if you rid rot pay the 'New Balerce from the previata bilktg Itedod in fui, fnerra charges carttlrtue to stance to your tstpdd belartra t1Mi the upeid balertr~ is peld in fttll. Ttis meere that you may stlN owe firtertee Merges, evz,Yt if you pay the ttrdre New Belaxxre vaiceted m the trots of your rttstenters hY tfa nerd aetemertt c1a®rtg dare, but rid ere added for the ~a mach. lJrpaid firertra r9arges ertgm your Acmtnt. t'c. tiTrritarrt Rnntwe . Fw each hilang period that your eanrt is st8~rct ro a finance darge, a mkimm tool RNANCE CJr-IgAeRGE ofn>p0.50 wY 6aappipmrpaosed. Ifytoh~ex odc Brat (sl isis leas then 00.50, wa viifi stbt ores that [[reset from the OO.bO trirtkam and the dfftxertra will be 6tlled to the purdaae r/t~rt of you ttccarstt. t d. Tarperay Redtralim in Pirates Qsrgs, We reserve rte dyt to rot sasess any or eN arentx charges Tor enV given filling Podad. k~r~ 2 a R~narre~durge8~ e~r~cUated 6V m~iltigyfng~idatiy belarce of nM of your arxaax (e.g., cash advertoe, purdase, sparest transfer, arxl spedal purdasel 6y the careaPa daily periods ters(e) that pea been PrevidtraV d to you. At the ttrd of sari[ day drfrq the eeriod, we apply the drily periodic rasa for eac(t aegttea a your ecoarrc ro the daffy bderce of each sagtrterY. Then at the end of ate fx'Wrtg period, we add the reaps of [rase rleiy cdaltttiar to arrive M yea ~ pedodc fsarce charge fa earl[ aegners. We add up the realm from eadr aegners ro arrive at the total pedodc firettra MergB for yaw amass. To get tfa daily Itdartce for eeM segment of your arrant, we take the begircwtg balance for eeM sagntent end add ermry taw treraactiore and arty pedodc fkteroe tiarga calaleted on the pretdous dsy's palette fa that segrndtt. We then subtract arty paymenm a credta pasted as of that day that are allocated ro that aegners. Tiffs glues us the separate daffy hdatce for each sagmar[ of your amour[. Florvever, it you the New Bslartos shown on your predate aatemers M fill (or if your crew belartoe was zem a a aced[ artotnt), raw trartaetxiora whits post to yax prrtiase a ttpodd pun3taae aegmarss are rot added ro the daffy balances. We cala/ere rice averege daffy balartca by addrtg ai tie daily belatcea togedar end dvMrg tfa stsn by the nether of the days in the sestet[ biiirtg eyrie. To raltxlete yaw teal firertra charge, mtlfidV Your average deiV bdertoa by tla da~~ ~ o e ad by the ember of days in the biting Pa rotstdrg m s daily basis, there may rte s slight wrierra 6eteiattn Ws cslalatian end tie amount of liners charge acttasy esaeeaed. 6. 11 tie code 2 a N appose m the frare of this atatemss reta to 'BaMrce Rate Appled To,' we naitiplV the Irrpatarl Holies: Payrrtatts you mat to tts wit be credited to your accaud as of the bttartns day we receive it, Provided lt) yes send the torten ponion of this tnatanttm and your Mack in the enclded ranitunce envelope and 12) your paymern fs recdved in our procenng tamer by 3 p.m. ET 112 rwot PT), Please Blow et least five i5) bueiren days far postal delve Pageants redted by w at any other loptian or M any other btm may not 6a credited as of tta dayy we recdve [fain. Our butlraw days are Monday thraut•it SatuMay, sxckdng hoed ya, Reese do not tree [ogles, paper dlpa etc. Vtiten Preparing you paymem. When you sad u a titeckis), you autlwdze ua to melee a rxto-fsne electroic transfer debit ban you bank amwrt roc the arrant of the dwck This suUwdzalian applrea to all Mecka received during the biiirp cyda even if sera by someone rise, If we carrot procron the trarefer, you eWwdze us to make a charge ageiret your bank ttccaua uairtg the deck, a paper draft or other hem. Financial difficulties? a' cpne• We can help! ,.dutY,nyour l~Nrt7• Your account is over 3o days past due. • Good credit can be important for getting an apartment, a cell phone or even a job. • To avoid risk to your credit rating, call 1-800-955-6600 to use our free Check by Phone service. • If you prefer, simply use the payment coupon below. • If you have online account access, log on to your account and pay now at www.capitalone.com. The purpose of this letter is to collect a detH. Any information obtained wi8 be used for that purpose. o4tA404 ® 2004 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. Capjta-Qy~• GOLD VISA ACCOUNT JUL 28 -AUG 27, 2005 4388-6418-2716-8845 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balancr 183116 1 29 JUL PAST DUE FF.F, CREDIT 15g,oo- Payments, Credits and Adptstments =116.00 2 29 JUL OVERLIMIT FEE CREDIT 5g 0a Transactions =35.00 , Finance Charges 110.02 Ttansactions New Balance 1760.18 3 27 AUG CAPITAL ONE MONTHLY MEMBER FEE 00 16 Minimum Amount Due 166.00 4 27 AUG PAST DUE FEE . 2} 00 Payment Due Date September 27, 2005 , Total Credit Line 1700 Your acLOUnt was past due. Under the tams we previously disclosed to you , if }roar account is Total Available Credit 5.00 p~ due again, your Annual Percentage Rates (A.P.Rs) may increase. Credit Line for Cash Available Credit for Cash 1700 f.00 you were assessed a p~ due fee of X29.00 on 08/27/2005 because your minunum payment was not received by the due date of 08/27/2005. To avid this fee in the future we recommend that ou , y allow at least 7 busuuss days for your payment to reach Capital One. At your service To call Customs Relations or to report a lost or stolen card: 1-800-903-3637 For free online account service and special aatomrr offer, leg en to: www.npitalone.mm Send payments to: Send inquiries to: Attre Remitmnoe Proeesung Csptal One Bank Capital One P.O. Bex 790216 P.O. Hax 30285 St Louis, MO 63179-0216 SLC, iTf 84130-0285 F'matlce Chatges Pkarera rezrrrerid c fo r s nsfortan t i nfo n x atio n ' " ~ ~ ~ BdanK Alit Pirraidu C,.dfr~pm~e f dt R '" ~ r ~ { * T T C ll\Al\Cri C~ T iA T GP ie gep o ratr . i Z 1 C L PURCHASES 1723.95 .0446696P 16.3046 510.02 CASH 1.00 .06025%P 21.9996 5.00 ANNUAL PERCENTAGE RATE appliod this period 16.3096 ~ PLEASE RETURN PORTION BELOW WITH PAYMENT Cap3ta+,Qy~~ OOOD000 0 4388641827168845 27 0760180050000066000 New Babutce 1760.18 Minimum Amount Due 166.00 Payment Due Date September 27, 2005 Total enclcxed 1 A««utt Number. 4385-641&2716-8845 Plraa Print M1°'t°+S addrnr aud/ore-ma./rlmrgrr beloru ra,isg blue arbta# inl: street Apt k Gry sre• ZIP [ Iome Phone Alternate Phone ~ #9024025817229115# MAIL ID NUMBER Capital One Bank '.!!!~ DEBORAH L GRAHAM P.O. Box 790216 Irlrrlrrisiissrlllsrrl ° MECHANIC BURG PA 17055-8604 St. Louis, MO 63179-0216 N r IrlLrrrlLrrrlllrrJlJrrll,rrrJrLrrllJlrrrrrlLllrJrrLl ~ LrrllLrrlllrrrrlrJrrLLLrLrILrllrrrrLrlllrrrrdJrr611 Plante write your aanunt number on your check or money order made payable to Capital One Bank and mail in the enclared envelap~ r Z N~ I~ ~~ ti N~ fi! 8 O ' ~~ ppeenode rate. Te obtain Ma average daily balance for the NNkg pedod covered by tHa natemem, wra [aloe the begimrg balance of each aegmem each day, add any new irarteacriera to eats aegnent, all srhtrem any peymema or cretflta. (It the mile N eppeere m the from of this stdemem ro>A to 'fielanee Rate Applied To,' we also atbtrect any upaid flrartce charge indttded in the balance of eats ae{flnem.) Thia given ua the daily 6abrxxi of eats eegttem. Then we add tp all the dallyy belartres for each st'grtem for the billing period all dvide by the 1mA ntmher of days in the hieing period. TNa gives ua the AVErege dally hal8rwa of earl[ sagnem. 3. Amtd Prorttaga Rats fAPFtI. a. The term 'Aasrd Percersepe Rate' may appear as 'APR' m the frern of this statement. b. If the reds P (Pekoe), L (3-mo. L1B0R), C (CeBMate of Depoeitl, d S IBankcard Prime) appears m the fiat[ of this stetemem next to the perittdc role(s), Mte perlodc rates sM mneapmdrg ANNUAL PERCENTAGE RATES may vary quarterly all may'wxxeese a decrease based m the orated irtdoes, as fora in The Wolf Sheet ./awrtal, pna the margin preNotaly diadosed to you. These Mangea wiN be effective m the flea[ day of your billing pedod cavenad by ycur pedadc atateman atdng in the manhe January, Apol, Jtlyy all October. c. If the mile D IPrkttel, F (1 Krto. LIBI)R) a O f3ytto. LIBOR Repriced MmMiy) appears m the front of your statemem next to the pedadc rate(s), the pedodc utee all mrreapatdng ANNUAL PERCENiAGE RATES may vary matlNy and may Increase or dacreaae hexed m Me stated Irtdces, s bred h rna wear Srreet./amel, p,a the margin previously dsdesed to ym. These Merges will M effecflve m the flat day of your HINng perM eats moots. 4. Aesunst d Lets, lTRirt [std Raurrtad Prrmrr Ftts. Your emetrx wN 6a aeseeaed ro more then tae of Ma flees Hated (,ere [tat Draw demo env biNkg vedod. under the tame of your aaterrter ageartsa, we reserve tfa rf~tt to waive or cwt m aseas arty lase w~ItMt pdor rtodMatien to wMna waivkg ttu ddtt m aaess the same or similar at a later tkra. 5.'rRrrwitg Yrttr Aeeous. If a mentbeahip foe appears m the front of ttis stetemerw, ytou have 30 days iron the date this ststenera was maied to you to avoid peyirtg the fee a to lave str3t foe cradled to you if yvu coerce( your amdrw. Ouing this Petits, you may mrrittre to use your aornnt wiMtar having m pay the mmtherefip fee. To cancel yaw amum, you nxat rwMty to by rairg our tlatemer RAatbro Departmem acrd PaY V~ 'New Belarwe' in fti fexritrdrg the B. M rrwass ~) A°rlOfaaatOr.rle'.e ~ ~,a~ t~ave~se~- yar ereotrs by sing our Qatomer RdaMorts e0 pertmers. veu rata[ dratroy your [reel[ urdls) all accarn arreaa dtecks, rarxal aN preetdndzed burg, all txaae yes atzant. M you do cwt raroA PresulFwdzed 6ikg aRerlganmta, we wiN mneidar receipt of a Merge yttrw etritMzatlm m reopen yar arearx. Addriatafly, ytxr aooant tsAl rot be dosed trYfl Y~ PeY aN arttotras you owe us kxitdrg: any treraecMar you fave atrfwrlzed, flrtarxte Merges, past due fees, overWrrit fees, retorted paymera fees, coal, advance fees and arty other teas esaaesad m yaw acodrtt. Yau ere respatelhle Tor these amarn wiaMar May appear m your aoCOtra at the time you re¢reet m dose Ma armor a they are kwtrrad a6s4terx m yaw req.sat m does the soars. Thin may raeJt in [forges HPPeadnO m your arxxttirr after ynr lave yore atxara If rl boa alraedy bean dosed Far tttmrrtple, rf you atrlwrlzed a ptwdtase fran a rtterdws all we reroive the trerrectlm trait Ma mordant after your accent lea been nosed. yttu stxars tarts M reopened, the emaww of the Merge udN M added m your aoonnt, amrd your ~ m~apor~le for peyrnent. If there is s embe P yar arrant, the fee wiN mm}ata ro ba Mend, to the ewers mtitted by law, [cell the error[[ balance has been pets In h/ as delkrad above. 7. Udq Vttu Assurt.Vau ram a accartt coma[ fa rid kt mrrttet:odert with any kaemet gwttbNng treraecMora. e. NoMos Ahat ElsaYatio Oresk Qorrvtrsut. When you provide a Mack sa paymers, you audwrlxe ua ehfwr ro use infortnadat from your dtack m make a ttrte-time ekxxrarie fuel [rooster }rom your bank axartt or m prooero the psynterrt ea a Mack traraactton. When we tree informetien front your dteclc to make an Aectrmic keel trerafer, ftrtda may be withdrawn from your bank accotnt s som as the same day we receive yar payment, all you vvNl rot receive yaw Meek beck from your flrtertriel karlntdm. BILLING RIGHTS SUMMARY fin Case Of Erroa Or Oueatiora About Vaur Bite 11 you think your bill is wrong, a if ya, road more inbrtnadan m a varaecdart or NII, write fo tam e separate sheet as som ea poeAble at the address for irtgtiries shown m the from of [fie eatrmem. We moat Rear Tram yet[ ro later than eo deyyaa after vre amt you the flat NN m wNM tfa error or predan appeared. Yau can call aw Ciatamer RAaMene nrrrber, but doing so WN not preserve yar rlglds. ti yetr letter, give to Me tdktwirg InlomtaMm: year name all 9oootrd number, tfa ddlar amass of the wspected error, a deaedprim of the ertor all an explanarlm, if poasde, of why you believe Mere is an error, or if ya, reed mom intoanatrm, a deaedprlm of the hem you are trtsre abas. Vau do cwt have m pay env amarn in gteatfm wlile we are investiged h, but you ere EtNI ettll{191P.d t0 paY ifs pane ei ygnr bil~ibat ar8 rwl in tlueattm. b we inveerlgale you t)taerim, we rarvwt report you ae deflrxpterrt or take any action to reaem the amarn you quesrim. t,t Spedal Rtie For Credt Card Purcfasea li yw Mve a prahlern wits Ma grelhy of property or seMces thn you ptxdaaed wits a aced[ card all you Fave tdM in good faith to correct the proNem with 1)a mercham, you may have Ute right not to pay the remairtfng amaun due m the praparry a aeMtxa. Vm fave Min protectim only when the purMeae pdoe wee mom than 950.00 all the prMas wean made in your fame state a wtMtin 100 miles of your maing address. Ili we own or operate Ma merMam, or if we mailed yet, Ma adverdaemem for [fa Property or sertAces, aN purMeses are covered regardttsa o1 amartt er kratim of prdase.) Please remember to sign all mrres<wrderrr. t Ones not appy m canmwrter ran-rued[ Lard ecrants t Ones rot apply m d~sineas non-rJadit card acr»rrtls One atpporta intarmatien privacy protecrim: see cur at wave. cam. One is a rally raAaterad aeMce mark at Capital ~al Corporation. All rtglfla reserved. a Ol OLBAK ta. Orson Psrisd. Veu will have a mWmtm grace peeled of 26 days withaa fkarre Ma m crew purdaaes, nave belartoe trarafers, craw >perJal ptsctasea sM new other dargas if you pay your total 'New Balance', in eceoridarwe with the knportarY Notice tm payments below, all in time for k to be credted by your next >eetemers dosnp date. There fa ro grace perlM m rash advertebs all apetiN trerefera kt eddtion, [lore is ro $raee period m any trertsettion if you do rot pay the total Now balance.' b. Aotrring Fitrres tlsaga. Trertsectiaa wtiM are not arbier.K m s grace period em esaesead tkartee dtar~ t 1 from the dme of the trertaetxion or 2) hom the data the treraeetion is processed to your Atxoutt a 3) from the first rakvder day of the rlrrerx biNinp Addtiaally, if you del rot pay the 'Ne/v BdMxxxt horn the previas burg period in ftN, lxtaxte dargas ooriOne ro arcnre to yalr trtpdd 6Aertra trt61 the trtpeid bAarwe is paid in ftll. This means Met you msy adfl owe firterxxr thargea, even if Y~ pay the entire New B~derx~ indrated m the fras of your atatenters by the next atdemax doekq date, bu del are added m tfa prevfaa morsh Urpdd flrortre rhergas sego yrty Arxwtra. ~' c. Mititern Fitanee . fbr earn billing pedod that your arnotrx is act m a Iktertoe dterge, a mirtitam turd FNANCE CrFgWa E of 60.60 tvi baeppi~mrp~ceed Ifytrohtex rktdk: aret fs) isis lose Ulan 80.60, we wiN at>~raa Met amnrim from the 60.50 mirtimtm end the dffferertce wiN be NNad to the purdase segr~r~t of accatrtt. td. Tsrrprrary RadusNon in Fitnos atrya. We reserve tfte dght to not assess arty or aN lktence chergas for any ¢ven biirtg Padod. 2. Aversgs Defy Etslatss I~+oNtlrrp Now Prtluaesl. e. Hrartra charge fa calculated bV mJtidying the dai1V bdarxa of sM .agtara a your ecmtrtt te.g., cash edvartre, pun3aee, aptxiA tanfer, all spedA prrdase) by Mte mrrepportdrg daily pedodc rate(s) that has been previously dsdeeed m you. A[ Ma ell of each day~r{rq the Virg period we apply the pedodic ate for ee~i segner>t of your~srcant m the baleroe of each ~sagThenrls~t etlte erd of iha rg period, we add up daW ralalatiar to ardve d pedodc flrtartce darge for eeeh aegnerit. We add tp tlw fireld~ dte ~aegnent to emus a[ the teal perktdic roe You errernt. To gat the dA1V bdartro for eats segment of your atxars, we take tfa begmrirtg balance for each ttagnerx ell adderW new treraattiera all any pedodc tktertm dterge rainfleted m the preaous deya 6Aertre far chat sagrarc. we then aubtrerx any payrtteras a aedre posted as of that day that ere alktrated to that aegrtert. This gives is the seParete daffy balance segnders tof ~ r aantax. However, if you p~ the If your row belatre was radtat~ ftO (or [reraeaiora which poet to ydw ptwMase er spedd ptrrtYteee segnerys ere rot added m the defy balances. We ulusete the average daily belarttx+ by addrg eN Mte daily balances tegMltar ell dvidrtg the sun by the nmhar of the days in the tarter[[ bNNng cyrJe. Te ralaLhe yar total flrortro Mar9B. m~dV V~ average daily balartoa try the dally pedade rate std by the nrrt6er of days fn the 6iNkg perod. Goa ro randkg m a dilly heals, there may m a sfl~x vadartce between this celrafletktn all the ettlotra of firertra charge arnraNy a®eaaed. b. If the code 2 or N appears m Me from of Mis atateman next m 'Belare Rata Appfled To,' we rrxltiply the in Deed remitter~ioeuenv~el mail m us will be credted to your accvtrn as of tfw btlAros day we receive h, provided 11) you send the bottom portico 01 Wa sutemem and your Mack ape all 12) your payment is received In our ng corner by 3 p.m. ET 112 ram PT). Please allow at least flue I6) dtartsa days for pond delivery Paymems received by w at any other loratien a rn any otter form may cwt be credited as of Ma daVV we ratxlva Mom. Our btatirasa days are Mmdey throtph Saluday, exWdrg holidays. Please do not use suplea paper d~a etc. retract preparlrg year peymem. When you sad us a MeckW, you aNhodze w to make acne-tkne dectraric transfer debit 7rom you bank aaauM for the amoutt o~ the check This atrtltorlzatien appkea to aN Mocks recaved ddrtg the dTNrg cYda evert it aem by somearo Ace. If we camm process tta transfer, you aufwdze to to make a charge ageirat your bank accatrtt tairq the deck, a paper drat[ or otlar hem. ~ ~ First 3 months half-price ~: Capital ayj,~• GOLD vTSA ACCOUNT 4388-6418-2716-8845 Account Sutntnary Payments, Credits and Adjustments cos peoplepc~ online u Abetter way to Internet. PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers at half price for the first 3 months) ® Email Virus Protection ® Pop-Up BlockerT"' Spam Controls Smart Dialer Phisher Security Internet Call Waiting AUG 28 -SEP 27, 2005 Page 1 of 1 Previous Balance ;760.16 Payments, Credits and Adjlsstments ;.00 Trarisactiolts Transactions ;,35.00 Finance Charges ;17.63 1 27 SEP CAPITAL ONE MON'T`HLY MEMBER FEE >I6.00 2 27 SEP PAST DUE FEE 29,00 New Balance ;812.61 Minimum Amount Due ;112.81 Want to reduce your A.P.R? Payment Due Date October 27, 2005 If we receive your minimum monthly payment on lane for the next sx consecutive billing periods, this account will 1>e reviewed for a possible A.P.R decease. Torn) Credit Line ;700 Total Available Credit ;,00 '`Important Notice"` Since your account was past due your Annual Percentage Rates (A P Rs) Credit Line for Cash ;700 . . have been increased as previously disclosed. All other terms and conditions remain in full force Available Credit for Cash ;,00 and effect At your service You was assessed a past due fce of;29.00 on 09/27/20051xcause your minunum payment was not received by the due date of 09/27/2005. To awid this fee in the future, we recommend that you To call Customer Relations er to report s tort or rtolen card: allow at least 7 business days for your payment to reach Capital One. 1-800-903-3637 For fro online acmutlt service and apeeial automer offer, log on to: www.capitalone.rnm Send payments to: Send inquiries te: Attn: Remittance Proarsing Capital One Bsnk Capital One P.O. Sex 790216 P.O. Box 302f15 St Louis, MO 63179-0216 SI,C, I lr 84130-02fl5 Imvortant Account Information Twelve unsung heroes of college at}iletics are competing for the honor of Capital One National Mascot of the Year -and you can help decide who wins! Each wooly the mascots go hr~d-Co-head in competition, but only one will win the coveted title and ;10,000 for their school. Go to capitalone.com where you can vote daily for yola favorite mascot -and don't forget to tune into the Capital One Bowl g nn ABC on Monday, January 2, 2006, to see who wins! Finance Cltstryec P/eaac nz reakrseride for:mportani infarnatlon Balar[KTatf PMa~Y r.Mre~dalg Opp/u'~ta raFe PURCHASES ;76Rg6 .0739596P 26.99% 117.63 CASH 71.00 .07399%P 26.99% x00 ANNUAL FERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT ~Di!?8~ 0000000 0 4388641827168845 27 0812810050000112816 Ncw Balance ;812.81 Minimum Amount Due ;112.81 Payment I)ue Date October 27, 2005 Total enclosed ; Account Numbs: 4388-641&2716-8845 Wiaa pent ~•ng addtrss and/or r-mail rhmgrr btrem ssnnq brut or Graff in.~ 26.99% street Apt ~ ~ty sty zm Home Phone Alternate Phone A Fmul Address ~ #9027125817229110# MAIL ID NUMBER Capital One Bank '~ DEBORAH L GRAHAM P.O. Box 790216 ~I~u~n~~r~~nl~~nl~ ~ ~ ; 902 ALLENVIEW DR St. Louis, MO 63179-0216 M MECHANICSBURG PA 17055-8604 n II~~IIIIIIIIIIIIIIIIIIII IIII1111111 ~IIIIIIIIIIIIII IIIIIIIIIIII ~ ~ 1111'I~IIIIIIIIIIII'IIIIIIIIIIIIIII I'I1I11I1IIII11111'IIIIIIII Pleats unite your auount number nn your cLak or money ordn made payable to (~pital One Bank coed mail in t!x endared emudofk 1 ~ a moral; ;9.95/mo. thereafter SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: ONYX Or visit www.peoplepc.com/go%nyx r peopfepc®online ~ Abetter way to Internet. UNLIMITED INTERNET ACCESS SIGNQUP TODAYd 1-877-778-1 ~~~ Mention Offer Code: ONYX Or visit www.peoplepG.com/go%nyx PeoplefrC Is solely respalsible fa this offer, and is not at6liated with Capital One. Capital One does not provide, endorse a guarantee, and is not affiiated wfth, any product a service shown here. Any trademarks mentioned herein are solely owned by the respadive entity. AN rights reserved. By responding to this offer, you may be communicating infamatbn about yourself to the canparry that provides this product - (a example, that you are a Capital Ora customer. `PeoplePC Online: F'Irst 3 months of service are billed at $4.97 a month; 49.95 a month tht~ifter. Offer available to new dieMup subscribers at least 18 years of age and may not be redeemed with any other offer. Otter subject to change at any time. Phone technical support available fa $1.95 per minute. For questbns, call toll free al 1-877-77&1207. Service not available in all areas. Access fees, taxes, and other tees and restrictions may apply. Telephone idl dlarges may apply, even during trial periods. You are responsible fa determining whether a call to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of pr~k usage. Dial-up numbers may be changed at PeoplePC's discretion. Continuous use subject to timeout procedures. All use is subject to PeopbPC Online's Services Agrealtlent and Acceptable Use Pdicy. 56K is the maximum speed of service; actual speed may vary. ® 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and fts IOga6 are registered trademarks of PeoplePC in the U.S. and other countries. 02006 Capital One Services, Inc. Capital One is a federally registered service made. AN d9~ reserved. 8 ~~i o~~ N r ppeedodc rate. To obtain the average daNY balance ter the Hlling pedod covered bV fhb statement, we take the begirrrng halartce of earn aegmem each day, add any new treruectiero to each ae9rrur'rt, and etlStrect am Payments or eredta. (It the code N appear m ilia irorrt of 1Ne natemern next to 'Balance Rafe Applied Te; we else atbtred any repaid /hence dlarge irldtYled kf the helanee of each aegntas.) Ttra gives W the daily balance of each aegnern. T}ren we add tq aN the deAy belar>ces for each segtnmt ter the hiairg padod and dvida by the total ember of days in the frilling pedal. TNa gives W the average daily balance of each segment. 3. Arrsd Y~artapa Wtas iAPRI. a. The tarrrt 'Aortal Paroarttega Rate' may appear r APR' m tfre from of this nnement. b. If the coda P IPrknel, L {3-mo. UBOR), C (Certifrate of thtltemertt newlio the dperiodc~ e~ the pedodct rates and correaPertarrg ANNUAL PERCENTAGE RATE may vary quarterly era may increase a decrease based m the mated ardoes, as Land in The Wall Street .larval, plW the margin previously disdoeed to you. These du wIN he effective en the first day of your hillirq perod covered by Vow Padade statemem endng In the rrrarnha January, Apol, Jriy~~a~n-d October. c. If the rode D tprkrra), F It yrto. LIBOR) a G (3aw. LIBOR Repriced Mardiy) appeaw rn the from o1 ynur s[atemere nerd to the pedodc rotate), the pedode mtea and rnrreapadng ANNUAL PERCENTAGE RATES may vary memhlY and may increase or deereaae based m the orated irrdrea, as kasd in Tire WaH Street Jama1 phm the margin preNotnay dadord to You. These Barges WII be effecflve m the Arai daV of your dI1Mg pedal earn month. 4. Assssorrrt d Letrr, OvarNrltt sM Rshnred Payrrrert Frs. Your arrant wi be assessed ro mere then two of the fees rreted here tfMt osar drafng rrY 6aWtg Pa~d• Urtdar the temrs of yar atstarrrer egreanent, we rerrve the dgM ro waive a rot ro wear env tees vaidtota oria naaifirzrtim m you wWtaa waiving ar rift ro assess d,e same or akrtNar fees at a later time. 5.tRrradrq Yar Aesastt. If a membership fee appears on the front of this atetentar, you have 30 days from dts data die atetertaR urea meted to yet to avoid paying the fee a ro hme ouch tae created to Yorr if Ya rartral Mar arrerrs. (]rkg drs Period, You maV mrrkttra ro tree yttu eocatnt afdraa luvkq ro Pav the mrxrtherehip fee. To cancel your seeded, You tact ratify W W raNing eu Qwtanar Fieletien Oapartmem and pay yyaa NeW Balance" h fiN (extlrrlrg the martberalipafae) Prior ro the era of the thirtV'r1eV parted. B. M You Cbsa Yea Aosoud. You ran regaeas to Base yynorrrr arbaad by rairg err Cretaner Reledata Department. Vou ra't daetroy Wxr credt tard(sl aryl acrnut a®es drecke, rarsYtl aN preeufndzed MlNng, and rxieae Virg yore aocaad. H you do rot cancel PressMdzed 6Wn0 arranganrerra, wa vat aoneider receipt of a Burge Vorrr aralwdzadm to reopen ydX aaarrt. AdddorteNy, yorr arraad valN rot be acrd urtN you pay aN amerce you owe ua ktduang: any tfe1189atlerta Var MYe arahafzad, flrranre dtergea, {teat due fees, ovrrWrdt fees, rennted peymdtt fees, rash edvawa fees ant any abler Tar asaesaed to yes arreud. you are rrparable fa these srrrerara wlredrer de`/ appear an yar secant at rho tints Vou rot}reat to dare the arrant a they ate irtnrrred a15sa4rerc ro yvtx ret}ea[ to dose the amnnt. Thin may resrlt in aurora sooearkw m oar rraaad after you have your hornier if k has already been dosed For example, if you etretorized a purdtase from a rtreroMrl and we receive the trereacdm from ate merdwtt after Vota accetnt hr bean deeed, ytxr sccaar wi he reopawd, the emorar of the durg~~wi be added ro ytaa ecootrr, and yw wNl ha resporteUle for peMrerx. If dtere is a membership fee for your erxotax, the toe vafll cancrrts to be derma, to the atoera pemrittad by law, ura tle acsnatt belenc~ has been Paid in kN ea defired above. 7. Uaip Vdr Acaara.Yorx card er aocwn carrot be used in rnrrter:dort with arW interrrat gambling tranaecdas. 9. Nair Ahat Elsebartis drssk Cttrwsrecrr. When you provide a dteclt r payment, you etafndze u eidrer to use {nfomtetion iron yar dtedr to make a rx~tkrw dectrortic Gad trerefsr form your bank atxaar a ro pro[gr the peyrrters as a Black trerrsecdort. When we We infamadm from yotr drer:k ro make an dearerric Gad trerrfer, fiords may fB wierdrevart from yea hank arxxkax r sons es the same day vac receive ytxr peymeR, and ynu wNl na receive your check back iron your finertdal x>gtitttdon. BILLING RIGFfTS SUMMARY Ile Ceae Of Errors Or Otr•adorts About Veur Bile If you 1Nnk your hill fa wmtg, or if yw need more intomusm m a trarNaction a bill, wrhe to ra en a aeparete sheet as troen ae poaeila et the address fa rnquirka ahovvn m the irmt of tNa tnaiemem. We must hear Gan you ro later then BO dey after we aem ya, the Arai tlli m tAffdl the arrer er problem appeared. Vau ran call Bur Customer Rdedoru nether, but doing tw wfN nor preserve your agfsa. h year kner, give W the foflewfng infomtadon: your name and accent nrntber, the Bator amour elf the atrepecled ertor, a descrfpsm of rice error and an mplerudm, if possitle, of why you believe there is an error; a if you reed mare inbmtatwn, a dtrecrlptim a1 the item ya, are tats,re about. You do not have le pay any amorm in gtrrtien whie we are inveatigning n, but you are call ahlige~ed ro pay the pane of year hNl that are rot in questltn. Urtile we inveetigeta ynu arastim, v+e c~nwt report yttu m ddkr¢xart a take any a to caiem the amend you question. i,t Special RUe Por Crean Card PurdusW I1 you have a prehlem whh the quality of property a aenirxts that you purrhesad vtidt a credt card and you have tiled in goad faith to twrrect the problem wNh the merdrem, Vm may have the right rat to pay the remairing amarad duo m the property a seMcr. You have tlis prmeetim eNyy vN~en the purdur pace was mom than 950.00 and the ptadrar wee made kt year home state or witNn 100 miles of Y~ maiirq addrer. (lf vie own er operate are merdtam, er if rue tttaaW you the advertlsemem for the p ny or aervicr, aN purdueea are covered regerdleas of amour or ktratim of ptarhase.) Please remember ro sign ad corregratdertce. t does rot apply m coamaerer roe-Gedit card accounts I toes rot apply to Masirtess narr~edit raid araanrs One attpporta infameuat privacy protectim: see rsa at www.csgtalaw.cem. Ora is a federally regstered service mark of Capital lei Corporation. ATI rights reserved. a OOOG~K t' e. Oran Paisd. Vou will Fuse a mrrmun grace peeled of 25 daVa tnddrott flrtertre drerge m new Purchases, new belartre trartefers, new spedal purdraaaa and crew other drxrgas if you pay your teal 'Now aalerre", h acmrdsrrs vidr the krportara Notloe for peymerra below, era kt tLrre for it ro be created by your rew statenters tioakg date. There is ro grace peeled m cash edvarrcea end special trertefers. m addtion, there is ro grace period m any trerteection if you do rot peY the teal "New Mlerre." b. Acariq Frrsws dtarps. Trertsacdarta wfririr are rot frthe dete~of~thep t~renaeriiona a 2ldfrom the date ref 1 trertsectian is procered ro you Axara a 31 from the first raierder day of the aarerr NNinp ppeeriod. Additiorrdly, if Vou del rot Pay ate "Now Balerce from tlr praviats Ix'Nkq perod h ftN. flrtsrtce Utarges mrairae ro eccrtte to your tatpatd ltalerrre aril the repaid balance is pent in full: This mrre that you maVy a0p owe iktartce rlurges, even rf You psy the ertdre New Belarce irtdcated m the from of your atrderrrera by rice crew statement dosing date, l>tY del not do so for the preNotra march Urywid flrrertre charges are added to the aagnterr of you Arrant. t c. Mirirraan Fireneaq. far earn tilNrq pedod that your arrnreY fa ro a tirtartce Burge, s mkimm fetal gNANCE CIr-I~AROE ofn>p0~.50 wIN baep~Iimkp~~tl~ed. Mytnher periods Bret [s ~ lees then 80.50,, vac vii erbtmrect that errant from the 50.50 miNram ervl the dfferartce wiN be hiNad to the pradtese of yar aorxaar. i' d. Tarryanry Rsdrrslian in~ drape. We reserve the MMp ralAetoda.9seae arW 01 sN flrlsnCe dYBrgea Gtr snV Aran 2. Average psiyr ~a1rw f New Ns•Mrasl. a. Firurtce Burge M ulalated mrltiplying the defy Mlartoe of eetlt aegttera or pxr accent (a.p., cash edvarroe, prrdtsae, apedd trertsfer, acrd apac)el purchase) by the sorrespadng deay pedodc resaty that free bean previady dadoaed ro you At the era of each day doing the Ming period, we aPdY ~ ~V periods rate for each aepnara of year errersY m the defy helartce of eadr theeA-~taTof tt~a daNY otbl iatiatan ape ~ et ya~r ~ pedodc flrterrce Burge far seat seprtent. We add rq the reetlts from each aegrnerr to erdve st the tad pedodc firottcn dlarpe for Yeta ematnt. To pet the deity lydsnce for eadt aegrrrant of your aantn4 we take ate begktrrhg balance for each sagrtertt acrd add sr~tr new trerrrdiars end erry pedodc flrtertce Merge ralalsted m the previoW day's lulenoe for that sapmera. We then srbtrea any psyerena a create posted r of that day that ere etktceted ro that aegrrert. This gives rs the saparete defy bdartee fw eadr aegrrerrt of your arrant. However, if you the New Balance ahmvtr rn ynr prardars atetentard kt for if your rew belerroe was zero rr a cradt amaad), haw trensadiorre which post to yon pradteae or yedal u~ktaate d,esagarrere~ dairoly balertoe by arlartg a iy e bslartcea together end dv)dktg the eten by ate anther of the days in the saran[ bNirtg cycle- To ralafete ytrr total flrurtre dterge, mradply V~ averepe deNy bdarre by the daily pedear: rete ant by the amber of days in the bilNnp pedod. Due to rardrg on s daay basis. them may be e sligx vadarre hotvveert this mlalation and the enwrrd of firunre charge esttrsMy asaeased. h. If the code 2 a N appear m M+e from of this atatemart next to "Balance Rate Applied To; vac nxltiply the IrrpsAttnt Msfks: Paymema you maN to W vtiN be created to your accaun as of the bueirresa day we received provided (1) you sand the bottom portion of this sutemam and your Brack in the atdosad ranhtarwe mvelepe and (2) Yor+r palerwd M rscereed in our prar~rq canter by 3 p.m. ET (t;{ noon PT). Please allow at Ira foe t5) bueirwsa days for postal delivery. Paymada received bl' W M arty other locaaan or M any eater trapme ymtnay not be cryaaduled ea o1 the dayy we receve tfaan. Ora budnw dsya are Monday ihrougb Satuday, wadudrg hdidaya. Please do cwt use staples, paper dr'ps etc. when preperktg all cltecm~ send W a dtack{a), you ataftodxe W to make a ana-time ebctraic transfer debit from Ywr bank accerad Tor the amarrt of the dock. Ttia auttwdzadan ea to feceivad rMnktg the biting cYde even If son by someone else. If we carrot Prooesa the frontier, you arNadze W to make a Burge agairrt your bank atxotart Wing the Bieck, a paper draft or other ban. Your account is temporarily suspended from 042 future charges and cash advances due to its ST TUS FOR past due status. ACCOUNT A : DEBORAH L GRAHAM A „good credit rating can help you get credit cords, , , a cell phone or even o job. We can help restore your charging privileges: TEMPORARILY • Use our free Check by Phone service by calling ><-Boo-95S-66oo. SUSPENDED • Call our friendly associates for payment options at the number above. • If you have online access, log on to your account and pay now at www.capitalone.com. t~' what's in !roar walletT • !f you prefer, simply use the remittance coupon below. The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose. ® 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. oa2~ CapitalQ~• Account Previotu Balance E812.81 Paymierns, Credits and Adjustments E.00 Transactions E35.00 Finance Charges E18.74 New Balance E866.55 Minimum Amount Due E166.55 Payment Due Date November 26, 2005 Total Credit Line E700 Total Available Credit E.00 Credit Line for Cash 3700 Available Credit for Cash E.00 At yourservlce To cell CLstomer Relations or to report a lost or stolen mrd: 1-800-903-3637 For free online aoeouM awice and spaces! a~stomer effers, log on tM vnvw.capitalone.com Send payments to: Send inrpsiries to: Attn: Remittance Processing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 St Louis, MO 63179-0276 SLC, LJT 84130-0285 Imvortant Account Information Twelve unsung heroes of college athletics are mmpeling for the honor of Capital One National Mascot of the Year -and you can help decide who wins! Each week, the mascots go head-to-head in competition, but only one will win the rnveted title and E10,000 for their school. Ga to capitalone.com where you can vote daily for yore favarite mascot -and don4 forget to tune into the Capital One Bowl ~ on ABC on Monday, January 2, 2006, to see who wins! u~ PLATINUM VISA ACCOUNT 4388-6418-2716-8845 SEP 28 - OCT 27, 2005 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 27 OCT CAPITAL ONE MONTHLY MEMBER FEE E6.00 2 27 OCT PAST DUE FEE 29.00 We eciate your business and are convecting your account to Platinum status as of October 17, 2005. So, be on the lookout for the arrival of your new Platinum nerd at ynt>r next rei~ue. Until then, }roe will receive Platinum benefits when you use your cturent card. For details about your new platinum benefits, visit www.repitalone.com/aeditcards and click on the Guide to Benefits link. Thanks for choosing Capital One. You were as~eed a pest due fee of E29.00 on 10/27/2005 because your minimum payment was not received by the due date of 10/27!2005. To avid this fee in the fiutue, we recommend thaz you allow at least 7 business days for you payment to reach Capital One. Fittaclce Charges i fn-mat io n Pluue ra retxrretidefor imfartant n Bdaanrrafr ~~ pp ~ ~ 7 Rnadr ~g ~~~ a~firdto rm4 ~f R l:tl lit. pURCHASFS SR2203 .0760096P 27.74% 118.74 CASH x00 .0760096P 27.74% x.00 ANNUAL PERCENTAGE RATE applied this period 27.74% • PLEASE RETURN PORTION BELOW WITH PAYMENT • Ca~a~~ 0000000 0 4388641827168845 27 0866550050000166550 New Balance E866.55 Minimum Amount Due E166.55 Payment Due Date November 26, 2005 Total enclosed E Account Number: 4389-6418-271lr8945 plrmr pnnt mailulgaddrrn mtd~or rma,7ehmgrs art«o ~g ah.r or blm~E iak street ~+` Gry Star. ZIP Home Prone Ahem+te Flnne Fmsil Address !!!~ #9030125817229115# MAIL ID NUMBER Capital One Bank ~ DEBORAH L GRAHAM P.O. Sox 790216 (~~u~u~~rn~~t~~ru~ ~ ~ 902 ALLENI7IEW DR St. Louis, MO 63179-0216 ~' : MECHANICSBURG PA 17055-8604 ~ i+ ~~~~un~{ttn~~~ns~~t~u~~urrs~t~ttt~~t~~run~~s~~tt~n~~~ ° ~ ~us~~~ut~~~rtn~r~rt~t~r~n~rt~~u~~nu~rl~~~nttt~s~n~s~~ Plena virile ynur account number an your check m money miler made payable to Capital One Ban. and mail in the enclaced errwlepe. r ttf>_ as>_ F>• tri t~ f~ S fi t~ g O O~~ o r~if ~ n ~~ N r ppeeriodc rate. To obtain the avenge dally balance for the tillirq period covered by 1Ns antemem, we take the hegimrtg halartce of each eapnem each ley, add any raw trareadiore to earn aeglneM, and subtract any paymema or eredfs. /lf Me code N appmn m the irorrl of this atatemem next to 'Balance Rate Applied To,' we also atMram any ttrtpnid firertce large irtdttded in the balance of each aegnem.) Tith gvea ue the daily balance of each aegnem. Then, we add tp all the daily 6Narres for earn aegmem for the billing padad and dNde by the 1Ms camber of lava in the tilling pedal. This gi~ea u tta average daily talartce of eadt sapntsn. 3. Amax l~orottsgs Rstr fAPRI. a. The term 'Amts) FMOarxege Rate' may appear ea 'APR' m the from of this satemem. b. If tM rude P fPrimel, L (3Kro. UBOR), C (Certificate of Deposit), M S (Bankrard Prime) appmn m the tram of this eatemem rexl to the periedc carols), the pedodc rates and cotreaportding ANNUAL PERCENTAGE RATES may vary quenedy and may Irterease or drxrmse based m the anted inioes, as found in TAe WaU Street Jarr»l, plus the margin ppreviady dfademd to you. These dar~o~ wiN be efiective m the fiat day of your billing pedal covered 6y your periade atattsnem atdrtg in the mahha January, April, July and October. c. If the rode D (Prim), F It Kra. UBOR) M O (3Kro. LIBOR Repriced ManHy) app~n m the trod o1 your satemem next to the pedodc carols), 1fa pedadc rates and mrrespornrfng ANMIAL PERCENTAGE RATES may vary momtiy and may increax or decrease based on the stated indcea, as Land in The WeAI Street .Iawna; plu the margn previously dadoaed to you. These dtartgee will he effective m the Aral day of your filling period each month. 4. Asnserrrnt M Leta, Ovsrirrtt tad Radnad fzayrtwtt Fars. Your trmasl wi he assessed ro more then two of tfa fees fisted Fare that axu duritg m/ tiwng period. tJrrder the temre of your aratanar agaernax, we remrva the right to waive M rot to seams any fees wfdara prior radflration to wldtotl wsvig atr dgfa m amass the same M smiler at a later time. 5. Vtrv Aoaastt. If a memberohip !ae appears m tiro front of tiia atatmrea, you have 30 days from tfa den thh statement was mailed to you to evdd payYtg the fm M to Mve rich fee credted to )nr if you rartcel your axatn. DUMB 11th period, you may cerniare m use vas secant wMtal hevit9 to PaY the rodb4y r Wrq ou ~m~ieraRant~iortte~Deper~sneM and pay y New Balerae' in hll le:aiuding tfa rnan6enf1 pafee) print m the eM of tfa tNrtyKley period. 6. H You l:bsa Vrnr Aooaatt. Vou ran request n dom yyoorus scrarnt by rallig w Cuatmar Rrladaa oepertrrran. Vtxr mtwt destroy yrtu crrtdt ram(s) and ecceurt amass decks, rartcd ai preetlfnrizad hiNitg, and rases your arxxaas. If you do not carted prearlftodzed anangarnerrts, we wi raraider recspt of a large vas atrdarizatien m reopen your ermtas. AdddoraiY. Yas socarn wiN rot be dosed tltti ytlt pay ai taarrra you owe re ircAYikg: any tnraadiorrr you lave authorized, flnerrce largos, pest due fees, overirrlt fees, rattsrted peytrten fees, rash advance fees and arty odor fees ameamd to yea arxatm. You are ntaDaa~le for tfase arrrottxs wfatfar May appmr m You aocornt m ria tine ynu re¢tasc to dtae the atxnrm M they em irrasred sbm4tartt M your regiasr m dose tta arras. This may real[ in largos appearing m year aosatn after you lave ytxs arrant if h Fes already 6aen dosed Fer exerttple, rf you authorized a ptnitese from a memheM and we receive the tnraecdm fran the memltarn after vas acoant rtes peen dosed. You accetnt vvlN m reoptsad, the ayynootuuornt oT tta dar{}e_ wM ba added to yar aantr[, mderrtbenltip tee foryeur emern~t, ~Iwir nrerakrra m be danced, to the eeaen Qemltted try law, untll the aoootsk ante has been pad in hl es defired above. 7. thing Vaa Aomun.Var card or aocam carrot 6e uaed it rxaatamlat wfM any hnemet gambling tralaeetiofta. 9. fltfw AMt Elsatrartia CJaolr Ottrtvrdon. When you pmMde a deck 88 payment, you audnrize u either to use infdmetion from yax titeck to make acne-time sactratic ttttd transfer from yota 6enk aaxtun M [o process the payman ae a back traraaction. When we use infbmtadon from vas deck m make an sedrerie trod tntrafar, TuMS may be wfUtdrevvrt fiom you bank atxxaan m soon as the same day we receioe yar payment, acrd you wil not receive ytxs deck back Tmm vas fiartdal katinnim. BILLING RIGHTS SUMMARY Iln Case Of Enron Or Oueatiore About Vwr Bill} If you d:nk your 6i11 is wrong, or if you need more infonnatien m a tnnsectlm or rill, wrhe to re m a separate shear m assn ea possible n rite address for irtgtidas tthown m the tram of 1Ftia netemem. We must Mar tram you ro later than BO deya afar we amt you the first bill m whidt the error or pnliem appeared. Veu can call our Ctmrmer Ralatiaa rxmber, but dolrq eo wll net ppreserve your dgMa o your letter, give re the idlowirg informetort: your rams and arx:eraa nether, the dtlar amount M the aa>pmt~ error, a desedplion of the error and m e7~lartetien, if posaitie, of whyy you belove then is an arrM; a if you need more information, a deacriptlm of tfa hem yrxt are uatae about. you do not have to PeY arty amaun in question wfrle we am ktveatipetfnp it, but you an afill ebioated to pay tM parts of you-r 6ilf flat are not in grrestim. le we krvestipela your gtastim, wa tartar revert you as dsingtrmt or take any action to txllect the amaon You gtteatlan. i,t Sptxaal Ftrle Eor Crtrdt Card Purchatrea Ii you have a pratiem with the gttdity of preparty M services that you purriaaed wlM a credt card and you Mve tried M geed faith to cerreet the proHem vWh the merrhmt, you may have the right not to pay the rmtaiNng amount due m the praperay M aenlcea. Vou have flia pratectim ady wfan Me psrham price vwa more then 950,00 and 1Fa purchase was made in year home ante M within 100 miles of you msling addrma. IN vve oust or operate the mordant, M if we mailed you the advertiamtem for the propetty or mnlces, ant purdama are covered regerdeea of amour or bcatim of purchase.) Rmae rmtemlar to sign all cerreapandertce. t Ooee tai apply to cansturw.r non-aedlt card ecmunts f fktea rat apply to d~sbtess tao-ereda card recounts One atppoha infamaim privacy protectim: ace au at www.cc~apttalora.cem. One is a iederdly Bred service mark of Capital earls) Corporation. MI d¢tta ntaerved. a 2003 One OILGLBAK t e. 6rsaa Period. Vou will have a minimum grace pedal of 26 days vvhltan irtartce large to row purdasea, new balance trerafars, row apedM purrhasm and raw other dtergas if You PBV Y~r tMS 'New Bdartce', in eeeordartce wiM the knpartaM tJotlce for payments below, and in [Arta for h to be credited by you card s[9[emern doanp date. There h ro grace period m cesh advartoes and spacial tnrefere. if addtion, flare is ro grace period m any tnraection if ynr M rot pay the [Mal New 6elmce.' b. Aoaritg Fivt¢a dnrga. Trarsectior® wfidr are rat atl>jar-t to a gran period are aaaeared tirarxxa dar{~ 1) front the rime of the treraaction M 2) fran the date rice tnraertim is processed to you Acratnt M 3) from tla first calerder ley of tie astern bi~inp period. Additionally, if you did not pay the 'New Balance from the previous trtllirg period in fui, firers dargm cernkae m accttre to your avoid beiartce uttll the tapakt talartce h pakf in ftll. Tftie meare Met you may aril) owe fitartse dterges, even if you pay the emire New Belertee irxieeted m the from of your atetemem by the raxt ateterreM dosing date, txn rid not do so for the prmtbta marsh. Urt[Wd flrence dargm are added m the srtgrrten of you Atx:aort. t c. Matinrtt Fitrtrea .Far etch tilling pedal that your aocant is ed to a finertce large, a mrimtm [Drat RN4NCE CFIA E of 90.50 wiN be impaaed If the total firartce clam resiarq from the applir~ of Wes pedorjc rate(s) is less Men 30.50. wa ti~iH a~ract that antetaa from tta 90.50 mkWmm acrd tla dfferartce wifi be bified n the ptxdase of your acoant. t d. Trnprrary lisrdtrafor in~es tlarga. We reserve the ridn to rot ease: any or ei fiance dams for arty even bilFsg period. 2. Avraga Daly Bslrrsa Iiaa~rO Marv Pudrwsl. a. Branca large is ralrxsefed y mt/tiplying the dairy balance of mdr sapmertt of your attars [e.g., cash adverxal, punlaee, apedal [resist, and apedal puniaea) by the coneapatdatg dNly perfodc rere(sl that Fes been prevfarsly dsdoaed to you. At the acrd of milt dev dairg the tieing Period, we apply the ~Y Pariodc rrde for each aegnaa of your eccoran to the l~e_iy ialarvx of mdr sagmem. Then et the acrd of dra Difi'atg period, we add tp the naWn of [item defy ralaletiaa to arrive at periodic (krertce large fM milt segmen. We add up the reatths iron eerir segnem m emve et the tots periods firers large for yotr accaan. To get the daily balance for milt segmern of your eccetrrt, wa take the begaasn4l balance (or each aepnern and add arrWry new tnrtmcdaa end mVpe dock Barra large takxleted to the preHornt day's falertce fM that mgnns. We theft subtract my paymerna M credts posted ea of that day [tat era alkrated ro that eegnera. Thin gives u the aepsrate daffy balance for each eognern of vas acmnt. F~bwever, if you the New Baarrce shown m your prevktua anrerrrers in I for if your rew talertra wet zero M e cradt smart), crew tnraaetiaa vdtidr past to vas purdam or spell purdaae segnteras en trot added to the daiY balances. We cekaleta the average daily balartoa by addng sr tla daily helartcea ttpether and dvldng the sun fry the amber of the days in the asters ttilarg cyrJe. Te ralntlete you tMd firartce large, muhiply year avenge daily talenee by the daily periodic rote and by rite amber of days in the [riling period Due to mtadrtg m a daNy tads, there may he e sff~t rerierxa 6enueen this cekalatian and the amaua of flrence darga actually sasamad. 6. If the rode Z ar Nappears m Ma /rmt of this alatrmmt raid ro 'Belanra Rere Applied To,' we mrr[iply the Irrpotanl tloliea: Paytrrenta you maN to ce will be credted to yrxu acceud as o1 the busrtesa day we receive h, provided (1) you nerd the bottom portiat of tfia oarsman and your dark m tfa endosad remittance mvelape end (2) your paymem h recerved in our procea~rg comet by 3 p.m. ET (f 2 ram PT). Rmae allow n Imri Ave (5) 6tairrass lava for pond leave Paymema recelvad by a at any odor locatlm or m arty otter fart[ may not be credted as of the dayy we mceive them. Our bueirasa lava are Mmdey 4aough SatuMaV, exeksLq haidryaye. Rmae do rat use sapba paper dips etc. whet prrtparing \'ou pa mt. When send u a dtackla), you atNtodze ua to make sera-tine dectraric trarabr debit iron your Dank acctutt for the amrun of the deck, THa authodzadm applrp to all decks received during the iilirrg cycle even if arxtt 6y someone else. If we carrot process the tnreter, you authorise ue to make a large agairmt your bank atx;eu» using the deck, a paper daft or odor hem. Your account is temporarily suspended from oaz future charges and cash advances due to its past due status ACCOUNTS7ATU5FOR: DEBORAH L GR H . A AM A good credit rating con help you get credit cords, a cel! phone or even a job. ~ ~ ' We can help restore your charging privileges: • Ilse our free Check by Phone service by calling s-8oo-955-6600. TEMPORARILY SUSPENDED • Call our friendly associates for payment options at the number above. • If you have online access, log on to your account and pay now at www.capitalone.com. ' ~ • If you prefer, simply use the remittance coupon below. what s in your walletf "'~"'°'~ The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose. ~ 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. ~.o~y CapitalQ~• Account S Previo»,s Balance 1666.55 Payments, Credits and Adjustments ;.00 Trarusactions 535.00 Finance Charges 120.65 New Balance T922.20 Minimum Amount Due ;222.20 Payment Due Date December 27, 2005 Total Credit Line ;q00 Total Available Credit ;,00 Credit Line far Cash 5700 Available Credit far Cash ;.00 At your service Te raD Ctatemer Relations or to sport a lost or stolen eerd: 1-800-903-3637 For frK online amount service and specie] nutomer affen, log en to: www.cepitabne.mm Send payments to: Send in¢tiries to: Attn: Remittanm Proorssing Capiml One Bank Capital One P.O. Rex 790216 P.O. Hex 30285 St. Louis, MO 63179-0216 SLC, lTr 84130-0?fl5 PLATINiTM VISA ACCOUNT OCT 28 - NOV 27, 2005 43$8-6418-2716-8845 Page 1 of 1 Payments, Credits and Adjustments Ttansa<.tior>5 1 27 NOV CAPITAL ONE MONTHLY MEMBER FEE 56.00 2 27 NOV PAST DUE FEE 29,ap As a valued Capital One customer, you are eligible to receive a &ce Year-End Summary for this specific account that recaps yotu 2005 charges, provided your accoutu is in good standing and you have made transactions durutg the calendar year. Please call 1-877-794-4487 before December 31, 2005, to reserve your cApy for this account We will begin pmcessittg orders in January 2006. We appreciate your business and aze convea'tittg your account ro Plattnum status as of October 17, 2005. So, be on the lookout for the arrival of }roar new Platinum card at next reissue. Until then, you will receive Platinum benefit when you use your current card. Fce details about ytxu new Platinum benefits, visit www.capirelone.com/aeditrards and click on the Guide to Benefits link. Thanks for choosing Capual One. You were assessed a past due fce of 129.00 on 1]/27/2005 because your mmitttum payment was not received by the due date of 11/26/2005. To avid this fce in the futwe, we recommend that you allow at least 7 busine~ days for your payment to reach Capital One. Fitlsttlce Charges S PkartJatrDrrJCrrdr~firfmfwtantfnfantlntfon 7 , jfi Ba/mtrr rate 1'feriodr Caresrm~ing ` ~ t~~~jjj r~p/irdto rye idfPR GLL . VL PIIRCHASFS CASH =8'76.69 .0760096P 27.7496 (20.65 x00 .0760096P 27.7496 X.00 ANNUAL PERCENTAGE RATE applied this period 27.7496 • PLEASE RETURN PORTION BELOW WITH PAYMENT ~p~>~~Q~~ D000000 0 4388641827168845 27 09222 00050000222208 New Balance 5922.20 Minimum Amount Due 5222.20 Payment Due Date December 27, 2005 Total enclosed ; Aantmr Number: 4388-6419-2716-9845 Capital One Bank P.O. Box 790216 is(u(ullnllnnsll~ St. Louis, MO 63179-0216 Irlltrrrllrrt.III.,rllrlrrll~rrrrlrlrrrllrllrrrrrllrllrrlrrlrl Plrare unite ynln mount numberan yrno Plus print mairiaq a~drer and/or r-ixai/ Grlam acing bhrr a blare: ,n>: s~~t npc r sty s~ zra Home k'hwie Aluerna2 PMne Fmsil Addrae ~ #9033125817229112# MAIL ID NUMBER DEBORAH L GRAHAM o ~ 902 ALLENVIEW DR ~ MECHANICSBURG PA 17055-8604 r• ° ll= Irr~llirrtlllrrttl.I.tlrlrlr,Irrllrrllrrrrlrr(Ilrrrttltirrl~fl rJxck m money ender madepayable to Capital One Bank and mail in tlx endavd unN.lope. r S tt~ trttt~ t~ t~ g O O ~~I N ~tV pedeck rate. To ehtain the average daNy balance mr the billing perod covered by tits statement, we take the hedmng balance of sorb ttegmem sorb day, add any new trerreacdaa to eadt segment, and wMred any peymema or cradle. IIt the coda N appeaa m the hart of this netemem next to 'Balance Rate Appied To; tare also alrtraet any rripaid Nrtence riarga kdtdad in the balance of each aegnmt.) Tfia dues ua the deydy helartce of earn ~ em iot tf>a hillmg pe~nodgard diN~de hyarnea~ each nanfxu of days In tfa IiHxrg period. T}is elves tin the average daily bdanoe of sari[ aegman. 3. AmW wroarraps RaNS CAPRI. a. The tam 'Arrald Percentage Rate' may appear es 'APR' m the from of ttla sutemem. b. If the rode P N'rhte), L (3Kro. LIBOF21, C (CeNhrete of hepesit), a S tBarltcard Prime) appears m the frmt of this stetemerrt rea to the periodic retelsl, the pedalc rates and mrreaperxgrtg ANNUAL PERCENTAGE RATES may vary gltarterly and may irtereeae or decrease based m the stated rndrxra, as toad h The WMI Sheet learns), pu tla margin ppreuiatdy dsdoaed to you. These dan~a witl he eflflcttve m the hm day of your hiNing pedod covered by Your pedaSc statemem ading in the months January, Apnl, July and October. c. If the code D (Prime), F ([Kra. L1BOR) a O (3Kro. LIBOR Repriced MattNy) appeare m the had of your atatrsnerrr next to the periafc carets), tFra pedaic rates and correapardrg ANll1AL PHiCETlTAGE RATES may vary martHy and may increase or decrrese based m the sated indtxra, as fond h The WaB Street .Aorrrtal, pus the margin previady dadoaed m you. These changes wfH he effecdve m the trm day of your hilNrtg pedad each math. 4. Aswmnrrt rM Loh, OwrinrN srd RaLLwiad Paymrti Fsas. Vorr secant vvfN ba swawed ro more then two of the fees Noted faro that scar drktN any 6iktg period. lhrder 1M terms of Your atworrter eQeanatt, we reserve the ddd m waive a rot to assess arty fees sMhott wior roNfiralisn to wirtnu waivkig rxr rigN m assoaa the same a srrtNar art a later time. 5. Ytttr Aosourl. If a mentharsNp lea appears m tfa fnxn of ells statemenx, you lave 30 days from the data this atetanaa was meNed to you to avid payhg the fee a to lave srsit fee credited to you if you rertrxrl yar aecasn. Orakg this period, you may rxtrtthue to rtes War acmtrs withaa Mving m pay the. ntwtrieraMlp foe. To rertcel your acrorrrl, you cast notify u hV reNrrg our aataner Relatkre Department erd pay yorr 'New Belerree' h fill lexrxtdrg the merrbereflp feel prior to the erd of the thirty-deV pedod• 6. H Yrru Clow Yar Aaaaat. Vou ran rer}test to done yynnrr errant bV raNktg ar Qadaner Reladorta Depertrttart. Veu raw[ destroy Yar rxadt cerd(s) aril aocant amass decks, rertcel aN prratrMnzrd bNNng, and rzraw yrxu aomud. If you do rot rarrei preattdlodz anartgerlterss, we wiN mneidar racept of a rYarpe your ardndzatisn m reopen ydr aemrd. AMriaaNy, War amainn wM not be rJoeed raHN Vou PaV ~ emarna you owe tla Ytdtsfrta arty treraecdats You lave atrftMzed, Mende dtergee, Peat de fees, overMnit fees, rettrrad peyniwr fare, rash advance fees and arty afar fees assawed m you [[mart. You am rri~ateide for tfaw errtarans mlrether they appear m year amass at tfa tine yen repine to dose the amnrnt a they am kraxred wbae4ttxrt to yarr req.reat to does the scares. This may crab m dames aosearkq m Vorr acroratt after you lave your eroant if h tae already been dosed For rnampe, if you arltndzed a purcMse from s merdteru and ova raceiva the trwaectlm fiom the merdtwk attar year arxxasx hea been dosed, Your ecroutt Mlll he racperted, the rrrrtatrc of the dtarge wIN fa added to your amara, and you wNl ha reaperaihle Tor peymert. If dtare is e membership foe ter year aomtn, the fee wiN contlrxe to he dreamed, to the e~das penNtred by law, usil the aocwx ertce has been D~ h fV ae degnad above. 7. llfirg Vru Aoaant.Vw card or accoun cemot he roved h mrtacdm with mV hterret I~~g traraectiorra. 8. ))alias Apart i7sdrmro Cheek Oawraisri. When you provide a decck w peymers, Neu arrlndre ua efdar to use hformation from you drecit m make a me-time electrrric had trerafer from yrxu bank arreratt a to pror~ss the peymerrt es a back trweadim. When we use hftarration front your Ii1erJ[ m make M B10e'trerlC tad trwafer, trrtda may be wmtdrewn from yrxr Hank smart ea eom as the same day we receive ycur peytrrem, and you will rot receive your deck back from pxr Nrarrdel rraottrdon. BILLING RIGHT3 SUMMARY Iln Case OI Errors a Or,PSdarrs Abatt Yeur [sl0 It you think your NII fa vvrarg, or if you need more inbtmatim m a trarteectim ar NII, write to rte m a aeQerate aFreet es seen ea posaitle at the addrew fa rngririw shown m the frerrt of this atetamem. We mtmt hear fiom you ro later than AO dayysa efler vve sera you the first Wq m which the error a problem appeared. Vau un reN cur Ctatamer Relation aanber, hrd dsirtg so WN Hat Preaene your ridna h your letter, due u tfa idktwtng mbrmadm_ your rams and amerrm number, the dollar amrtud of its srayecied error, a dnaeriplim of the error and an exparatim, it podde, of t"l'Y you believe there is an error; a it yeti reed more irdamtatrm, a deacriptim o1 tla item you are rnnttre aban. Vsu do rot lave to WY anY amain in graNm wlrle vas ere inveadgeting rt, but yert are sell) abecated to pay tfa peril oT ydu h'Y tMt are not in pteadm. le we rnveatigete Vac graatim, we reran[ report you as ddktgrtmt a take any actrat to cofed tfa amorrd you grtanim. i,t' Spedal rile For Crttdt Card Purdases If yet Ireve a problem vJth the qudity of property or servirx+a that you prrdrased with a creel[ Gerd and you Moe tded in good faith m correct the problem with the merdam, you may have the ddd not to pay the remairing amour duo m the prapeny a aenlces. Vau Mve this prmer:tim aNy wirer the purcJaee pdce was more [fan 950.00 and the purdase was mode in Yaur home state ar witfin 100 miles of year meN'mg address. 111 twe awn or operate the merdam, or it we maNed you the advemaemem br the p cry or aerHcea, aN purdasea are covered regatdesa of amainn or krcatim o1 purchase.) Please rentrmher in sgt all mrceepordetce. t Goes rat eppty b sonsirrter rorrcrrtdi! raid acraarts f Does rat apply m larsatr_4s rterrcrede raid acrounrs Capital One atpporta hfrxmatim privacy praectim: ace our vreeeite at www. arre.rorrl. Capital One is a cagy regarered service mark of Capital One Rrtatdal Corporation. All ridrts reserved. 0 2003 Capital One 01 LOLBAK 'ta (trtta Parfod. Vau viN [rave a mirlmun grace pariad at 25 days without Mertce rhorga m rew purchases. Itew balance trarrfors, new apedN purdtssas erd row other charges if yal PeY War total 'New Belarree', n acrordertce wNh the krrportes Nonce for peymerNa below, erd h tine Tor k to he crarlted bV y[trr recd ateterrtertt tiarrg date. There is ro grace pedrd m rash advances and apedal trsrafers. h addtion, there re ro gram period m arty transaction if you do not pay the taal 'New belarrro.' h. Aaantkrp Fsrwa Chwgs. Trernactirrra elridr are Hat ®t6jeer m a Brace period are esseswd tiriwtce darge 11 from tfre date of tta treraectien a 21 from the date the treawiion is praxisaed to your Aetbtrn a 3) from the Nrat reladar day of the arrant hiNin~ pet{od Addtiaally, if yea did rot PaV dte 'New Ralarra from the previous biNirtA period in tuq, fiance riargas txsitiru m emnre to your tatpNd balertee rrWl the urpe)d belertce k paid in fill. TFis mwre [tat you mayy adN owe finerree dargas, even if you pay the erore Now Balance indceted m the from of your stettatax by the next tttatemertt riosirtg date, ar did rot do m mr the pretlars momh. Urpdd Martce riarges are added to the appNu sagnent of yea Atxars. '1' c. MHnrun Firiwrea Otsys~Eor each hNling period ttat your acrorrx le arLjrra m a Nrtanoe darga, a mirlrrxm total RNANCE CHARGE of 90.50 wiM he imposed. If the recd Nnertre ehargo reaJtirlO from the aooYradm of your perioAc rate(s) is leas [tan b0 50, we wiN sbtrnct tlat smart tram the 90.50 nrinknm and the dfference wiN be biNad to the pudaw of~your amnaY. t'd. Tatrpary Fls6tafar h~a ~reg~ We reserve the dght mpecoriotdas~es~ tray or aN Ikarne darges for env din 2. A ~ipi Dsiy BaWws fYref~rru Naw Hrdrassl. e. Rrartce darge fa relaiated y mrltipyhg the daily belarce of rtsdr aegnerx of your smart (e.g., cash e~ipor~dirigpedodc )orals) tl~n[ahas) prevlately darlowd m you. At the reel of rtarit de rfurkq the hiNing parrod, we appy the daily pariodc rate for each sagmem of your smart m the dharNN)V baance of eadt tregnas. Then a the erd of the ng perid, we add rp the castle of these daily relaiatiara to enive et Wu pedrdic faartee barge for eaM seprartt. We add ip the resin from rarir trepnerx m ertive et the totd periods thertro charge fa yorr ecrorrn. To gat the daily hMeme (or sari[ tteQrterr of your aocant, we take the ttedmrtg belertoe for earn sagnent end add ealete~d m the viorst and mVpe do6c Mence drerge rel days fabrrce for that aegrars. We then wbtrea any peyntatre a aedu posted ss of that day [fist are allmeted to tlat segmera. Ttls gives re the separate daNy bdence for earn segnerx of your aoceuY. Flowever, if you peel the Now Balance shown m your praviaa sretemars h fill (or if your crew balerre was zero a e creel[ amainn/, new treraectiore vuFidt post m yar Prue or apedM purdase aegrtatta era rot added m the logy balances. We ulalere the average daily baMrxa by addrg eN the daily talartees togatlm erd dvi[Nrtg dte arm by Uta rsarrher of the days h the rYrrerd 6rNrg cytye. To relatlee yar total firertce riarga, raltiply yrar svarega deNV helarrce bV the daNy padadic rete and by the nrsnber of days h the ItiNSfg pedod. fhre to mrrdirq m a daily basis, dare mey he s alight verfatre between t}la cekalation and the ttrrtsun of Nnarrra cMrge erYragy esaesaed. h. It the code Z a N appears m the frarn of this atatemem re# to 'Balance Rate Appged To; we mrtl[iply the . _ kipwtad NtMios: Paymema you maY to ua will be credted to your assort as o1 the btwir>eas day we rocNve it, proNded (1) you saM the bottom portkn of this aatemerrt and yax deck in the artdoeed remi[lance ertvNOpe and (2) Your paymwn fa received in au rq owner bV 3 p.m. ET (12 roan PT). Rww eNow at least the (5) htteirtws dey7 far postal ddiwry. Payrnwna received by u at anY other IoceNm or in arty otfar brat may rtot he credted as of the dayy we receive than. Our btalraw days are Marshy tlewdl Settrdey, eraritdrq twNdaya. Please rb rat tree suples, paper dlpa etc. wfan ppttaeppeedrq your pa att. VVlan you aetd u a ritackls), you atttfrorixe u to mobs a one-tine ektctraNc treater rfrrtlt tram your bank accoutt br the amours of iM dock. Shia audrafxadan eppgea m all docks received duhq the hNNrq cycle even ii earn by sanecne else. It we carrot Procen tfa traneter, you atNwdxe u to make a darge against War bank sworn wing the dreck, a paper Mafi or other ttrm. Cap,~fialQ~• tNrne'~ Iinyour ralMlat7• Your account is about to char_~e off as a bad debt. • We report an R9 rating to credit bureaus when an account charges off. • lenders and employers nationwide can access credit bureau reports. • An R9 will limit our ability to offer you financial solutions. • You will still be responsible for repaying the debt. PLATINUM VISA ACCOUN'T' 4388-6418-271Cr8845 The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose. ®2004 CapNal One Services, Inc. Capital One is a federally registered service mark. All rights reserved. oas.oaoa CapiitalQ~• Account S Previous Balance (922.20 Payments, Credits and Adjustments f.00 Transactions x35.00 Finance Charges (21.26 New Balance 5978.46 Minimum Amount Due 1978.46 Payment Due Date January 27, 2006 Total Credit Line (700 Total Available Credit 1.00 Credit Line for Cash f700 Available Credit for Cash f.00 At your service To aB Customs Relations or to repnrt a kst or stelen card: 1-800-903-3637 For fm online accoum service and special customs offer, leg on to: vnvw.capitalone.mm Send payments to: Send inquiries to: Alm: Remittance Promsing Captal One Bank Capital One P.O. Box 790216 P.Q. Bo:30?85 St Louis, MO 63179-0216 SLC, UT &4130-02f[5 NOV 28 -DEC 27, 2005 Page 1 of 1 Paytnrnts, Credits and Adjustments Ttausactions 1 27 DEC CAPITAL ONE MONTHLY MEMBER FEE 36.00 2 27 DEC PAST DUE FEE 29,00 As a valued Capital One customer, yrou are eligible to receive a free Year-End Suaunary fw this specific account that recaps your 2005 charges, provided your account is in good standing and you have made transactions during the calendar yEar. Please go to www.capiGlotu.com and access yrour account to request your Yeaz-End Summary online or call 1-877-794-4487 before January 31, 2006, to reserve your copy. Orders will be mailed out by the end of February 2006. We eciabe your business and aze convetittg your account to Platinum staaw as of October 17, 2005. So, be on the lookout for the arrival of ywu new Platinum cazd az yotr next reisa~e. Until then, you will receive Platinum benefits when you use your current card. For derails about your new Platinum benefits, visit www.capitalone.com/aediuards and click on the Guide to Benefits link. Thanks for choosing Capital One. You were assessed a past due fee of 329.00 on 12!27/2005 because your minimum payment was not received by the due date of12/27/2005. To awid this fee in the future, we recommend that you allow az least 7 business days for your payment to reach Capital One. Good news -it's not too late. • Call s-8oo-955-660o for payment options. • Pay with our free Check by Phone service. • If you have online account access, log on to your account and pay now at www.capitalone.com. • If you prefer, simply use the remittance coupon below. Important Account Information It's Capital One Bowl week time again! Tune into ESPN and ESPN2 starting on December 20 for the best in post-season college football action to see your favorite teams fight for bawl championships. And on January 2 at 1 pm (ET), be slue to tune in to ABC to watch the Capital Otte Bowl live from Orlando, Florida! Finance (,'har$'es P/cmLJLI reuerJCJSdefor important infmation ro Belaaerrad li d[ Pntind~c g ~rPR ~ ~~ apf o e rrdr PURCHASES 1932.63 CASH 1.00 .0760o96P 27.7496 x21.26 .0760096P 27.7496 tti00 ANNUAL PERCENTAGE RATE applied this period 27.74% PLEASE RETURN PORTION BELOW WITH PAYMENT C`'ar~fa/Q/Zg• 0000000 0 4388641827168845 27 0978460050000978467 New Balance 3978.46 Milrimum Amount Due (978.46 Payment Due Date Jarnrary 27, 2006 Tonal enclosed f Aroolult Number 4388-6419-2716-8845 Capital One Bank P.O. Box 790216 ~I~u~~~nnl~l~~ul~~ St. Louis, MO 63179-0216 ++ IIIIII IIIIIIII~IIIIIIIIIIIII IIIIIIIf llllllllllllllllf'II'11I11 Please ruriteyavr auoxnt nuaaLv'ran ymn Plr~rprint nrailirtg aJdrra mrd~er r-read rlmrgrr &fan utingbhtr ar b/ar.6 ice. sweet A~, ~ Qry Sale ZiP Home Phone Attenuoe Phone 0 Emsil /alarm ~~ #9036225817229117# MAIL ID NUMBER DEBORAH L GRAHAM .n ~ 902 ALLENNIEW DR ~ o MECHANICSBURG PA 17055-8604 ~ 11 J / !11 o ~ IIIII"IIIlflllllll l11~1'1I11 ~11'll lllllll~llf IIIIIIIII~III1~1 ' clock or moray order trade payable to Capital One Bank and mail in the enclnred tnvelope, r ~~ ~~ ~. r ~~ r Iltla~ ~~ O I O~~ ~~ N ~N ppeeriodc rate. Ta dkain the average daffy 6alarx:e for the bigkrg period txfvered 6Y this rtatemerx, we take the 6eginnrg hdartee of each tlegmem mtit day, add any new transaction to eaM aegmem, end atbtram any paymems ar cradle. (If the code N appeeti m the from of this rtnanem next to 'Balance Rate Appied To,' we also abtram any tatpeid Ararxe charge irttltded M the 6alarree of each aepnern) The glues u the logy bekrxx: of each sepnerrf. l1>en, ova acN ttp NI rite daily balartcea for earn aegaertt fw the Using period and dvide by the fwd number of days in fire billing period. This gives ra the average daily halarxx! at eadi aegmern. 3. ArwW varoa~fapa Rataa CAPRI. e. The town 'Aortal Perrarsage Rate' may appear as APR' re the Trom of this rtatrvnwtt. b. If the cads P 1, L Gino. LIBORI, C fCwdfirate of De~oait), w S /Benkcard Pdrne) appose an tfa trout of the atatematt call to the pedadc ntels), the periedr rates and mrreapwtdng ANNUAL PERCENfAOE RATES may vary querteriy and may intcrease or rfecreeee based m the stated irxioea, as toad in Tae Wet! Street Jwtmal, pkm the margin preriaMly detleaed to you. Throe rhsrgag w1A be effective m the brat day of year haling period revered 6y Yeur periodic rtstemrsa erring in the mmria January, April, ,kr1y and October. c. If tfte rode D (Prkrte), F (f yrto. LIBOR) a O (3-rtw. LIBOR Reprirxd MmNiy) appears m the fraa at your rtatemrm next ntog the pedadc totals), the pRegdude rates vary moray nil ey~incAma~ o decrease beTsed onihe stated indrxa, es ta-d in The WeY SUeet.yamal, pin the margin previady dadrtrd to ya,, These t3tertgr will he etlealve m the Aral daY of your Ulang period eadr mmth. 4. Awnmrd of Lsae, OvrArrrt aril Radnrsd Paw/rrtsrlt Fro. Yaw axant wM 6e screed ro more flan two of the fees Aatad lrwa tlxe orrttr daktg am/ hWng pafod. llrrder tla tame of yaw awtomer agreanar%, we raearve the right to wdve or rrw m assess any fees withot prior rwd'ficatim to you whMrct weivktg ar ri¢w to aseeae the same or amaar fees at a later time. 5.'rRsrtrarYrp Yaw Asaant. If a membership foe appeere on the irorx of this statemera, you have 3n days from the data this ateterneru wee mailed ro you m avoid peykg Ma: fee n to have arch fee txedted to you if Verr rarxbl yaw aerarstt. DraYg this period, you may teralrste to rse yaw emorm vNMraa hevktg in pay the mattbertdip fee. To cancel your accotrrt, you mtwt roBty rn by cafifrng our t]wtaner Rdetiora oepertnterrt aril payynr Nave Balerce' in ka (exdttdrng the mewrherahip fee) prlw to tla end of the thrtyday period. B. ff Ym Cllr Yar Accost. You ran re¢aea[ to rJoae eocetaa by rafiktg au Ctstorrmer Raledarna ~pertmert. you rrttwt destroy your crept urdlsl all acoaart atxxsgs rltarirs, cancel eA preastndzed Ming, aril cease your arroutt. If you do net racial Praatdrodzed bikrg artsngantaraa, we wit mraidar raraipt of a darge yaw walerization to reopen your aeoaaw. Additlmeiy, you acearart wi rot he rleeed rwNA Y~ PaV ~ ertataag you owe rs ktrJtdng: enY trwracUon you lave erslnrized, fkanoe dargea, past dta feed, overinvit Ter, reknad peynrera lase, rash adVwtra lase aril arty dher toes assessed m ydw acmnt. You era reepwaWle for thre erroraas eareMter ~eppeer~mrn macrarnt at~~ regteat to ~rgee ePPaerknB on r~<aaer~tntrtThis m~ ~ h in Your eccarsrt if k has already been deead. for example, if yar elahodzed a puncher from a merrlara aril vve rardve the treraection from the rrrerdrsrY after your aocant lac been dosed. Your sccaax wi ba raopered, the errant of Mte charge pri ro added ro Yotu enrotnt, and yyoouu will 6e resporuide for peymen. If there is e mtsrbersttip fee Tor your errant, the foe wiA rarukrrte Lo he cMrlpd, ro the eaaare pemtttted bV law, twuA the aerate rr~ bee bean paid In TrM ea defined above. 7. Usig Yaw Aooasrt.Var card or arxoraa carrot he used kr rrrtrtactiart wkh arty kxarrat gemhirg trenaecdorta. fl. aleriss AfrstY Elsstrsris Clrsok Corrvsrsbt. When yet provide a check as peyntaa, you authorize ua either to use infomation from year rtrack to make a die-time elactroNc tad tranfer from yar bank errotatt or to process the ppssVnrera as a riaek trarasrsien. When we use infamatipn from yaw dreclt to make en electrwrie fiord trarrater, finds may he widtdrevat from Vour bank aoeant as neon as the fame day ova receive your peyanertt, and you will nor reoaive you dteck back icon you flnntial iradtrcrion. PILLING RIGIiTS SUMMARY (ln Case Of Errors Ot Orreatiera Abaa Vwr Bile If you tfrink yww tiff is wrong, or if you need more information m a hansamim nr hill, write to n wr a separate sheer r wan as poser'hle et the address ter inquiries shown m the frertt of the rtMerrrwrt. We moat hear from ynu ro later then AO daVyaa after we oars ya, the first 6iN an vvtirlr rite error or Prohem appeared. You con rag our (Xwtamer RelaMera ember, but ddng ae vii not preserve yaw df#m. In your otter, give n the fdkfrMng rnlemtatlon: your name and accent camber, the dofiar ematm of the ati~ected error, a descripdm of the error and an et~lanaNm, if peafihle, of whyy you believe there is an error, or if you need more infnmtnion, a deacripdm of the hem you era urwwe shoo. You do rot here to pax anV amaart in grwrtlan whoa vve are inveaegeting it, brn you are rtill ahigeled ro pay Ma parts of your 6GI fiat are rot in qurdm. WNIe we inveafrgato year µraslim, we rarrwt repot you r deirtquerrf or t Im any action is cdect the amaatt you pwatim. t,'t Spedal Rule For Crept Card FLrcheaes It ycu Fave a problem with tfa 4elity of property or services that you purrhaaed with a ertvH card and ya, lave tiled in good faidr to correct the preUem with the merolare, you may lace the right not to pay the remaiNng amaaH due en the f1Y or aenAces. Vou have this protection oNy vNan the purMeae price wee more then 950.00 aril Ma purchase wee made in your hems state a wkhn 100 miles of your mating addrer. (lt we own er operate the merdtem, or if we mated you the advertisanem for the property or serticea, aN purdases are rotated regardeas o amerce or lorafien ei ptucheaeJ Please rantember to age as correspondence. 'r Does aof apply to mnsrurar nor-credit card accanYs S Lbws Aar apply yo laAa.YIaAS rx»-ctadic ratty ecmunls privacy protection: see our red service mark of Capital Ma reserved. ~ 2003 01LOLBAK ~'a f;taara Prtiod. You vuiY fare a mklimun grace period of 26 days without firarsx rlarge m row punriesea, crew balance trarafere, new sper3al prxrlasrs and new other Urerges if you pay yaw total 'New Bdanee', in aeewdatra with tla fnlportera Novice for psyrrtertts below, acrd in rime for k ro ha credaed by yaw trade drttxrtent dodrtg date. There h ro grata period m cash edvences aril s[ladd trerefere. M eddtion, there is ro gretM period on arty treneactim if you do rot pay the total 'Now balance.' b. Aawriry Fir=raa tlrrepa. Treraacticrre wiridt are rat abject to a grace period ere asaeasad fiance dtar{(e 1) from the date of the treraectien a 2) iron the date the transaction is proc>asead to Your Accent a 3) from the first ralwder day of the asters hiiktg period. AdAdatally, if you rid not pay the 'New Belartce' fiom the previata biirrg period in full, frwra rltargea ootaisaa io amrue to you urpeid balers uxil the urpeid hdertce is pdd in full. This mean fiat you msy still owe fsaroe rJarges, etien if Y~ PaV the erxire Now Balace iridrated on the Tana of your statemerx by the Next are[anatt cloairg date, taw did not do sd for the preview marsh. Urpdd finarroe charges eppRr ae9nant Your Accatart. t c, atrtiiwen Ftrrwraa ffirwys~for each hilAtrg period that your soarer is atbjerx ro a Anerrra rJarge, a mrrkttrm told RNANCE tXWRGE of 90.50 wi be imposed. If the total firterrce rlargs reaeinnp irarrr the of yaw periodc rate(s) is lei then 90 fi0. we~abtrect that emasx from the 90.50 rrrrinvtm and Ma dfferenCe wiN be hill to the ptad~ese segnent of yaw arran. t d. Tanparary Rarkraffar in FYrarse fX.y.. we raserva m doppeeri~riasera any er eN finance tiargas for any given 2. Aarraps OYy Balwrss I Nsw Nrdteeesl. a. Rnertee large to ralwiated y mrfdplyMg Mrs deny 6darroe of rM segrnerw of yaw eccorss (e.g., ceah edvarxe, purdasa, spatial treraier, end apedal purdase) by the daW Perms rate(s) trot hoe been prevWtdy d ro you At the aril of eadt de daktg the Ding period, we apply the daily periodc rata for each sognerx of year eocotax to the B~~a~i~lyy kelerne of each segmem. Then et the and of lfa blirtg period, we add tQ Ute reaps of fiat daay taWlatioro to arrive a[ periodc trance charge for exh segnera. We add tp the fi ~s ~ fmaegmem to afive at the fetal pedodc rge yetw eccorstt. ro get the daily belarce for each aegnera of your eocarnt, we take the begsrwtg balance far each aegnvax end odd ear~ryy new tranaer:dans and any periodc Anernee charge ralrYAated m the previous day's balance for that segmera. We then atbtrect any peyrrrwas or crad[s pasted ea of that day that em dloceted to flat segrnwtt. This gives ra the separate defy 6elerrce for each aegrrarx of yore aeoust. Nmvever, ff you pard the New Balerrce #rovKn on yar previous stMerrartt kn Tull (or if your rnew balarwx was zero a a credk amotaxl, raw treraectare vMdt poet to yaw prxchese or spedN purclalte sagnerae are nlw added to the defy 6elarneea. We calnlate Ma everaga daffy belatce by addrg afi the daily balances together aril dvidrrg tla atln by the nsnber of the days in the current hiXirg cyrJe. Te ralrxYete yaw twat finrtce charge, mrlddY yaw evarege doily balance bV the Ma~ f11ta to [e aril by the rsxrber of days in tla tniirng pe rardrq m e dairy basis, there may ro e sigFt verierra 6atwaen ttis Cefnlmian acrd the amain of fmarce large ecnwAy ermaed. b. If the code 2 or N appears m tF+e hoe at this statemart nod to 'Balarrra Rate Appied To,' we rma[yiV the Irrpsrtart liotisc Payrnanta you mail ro ua will 6e created to your acrosn as of flea bruaneu day we receive h, proNded It) you sad flee bottom portion of this rteremem and year pack to the ernGaaed remitlarx:e envelope and (2) year payment is recared M au carder by 3 p.m. El 112 noon f'17. Rrr Wow at Ire 9ve 15) buarnap days for postal delivery Payments received by w n arnY other IocaMan or in any other form may not be credited ea of the day we receive them. Our burrar day are Madly thrat~r Saturday, exdudrg hdideys. Please do not rove rtaplss, paper diy etc. when preparirtp pa Wlan you sad t$ a cfreck{a), ya, authorize w to make a wartime electraNc transfer debit tram eccaad for the arttaatt of the check. This auUerizadan tea to MI dtecka received durkq the 671irg cycle even if aem by awneone doe. If »a carrwt propfas tla trarafei~you augtodze ua to make a charge agdnt your bank accaun rrarng the dneek, a paper draft or Drier ken. eo le cTM online p ~ p ~ Abetter way to fnternet. ~ ~ J ~ Surf up to '" ~ Sx fas~er,~1 ~ FREE Accelerator ._------ for tns f&sr ra morttltsr-a +60 t4skn! • 1-888-587-9669 ~~ ~ ~ ~ Mention Offer Code: DIAMOND ~~ Or visit www.peoplepc.com/go/diamond 003 VNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ®' Virus Protection powered by symantecr" ® Pop-Up Blockert"' `~ Spam Controls ® Smarter Smart Dialer Technology ,®~ More Email Addresses ~ Internet Call Waiting Capita-~• PLATINUM VISA ACCOUNT DEC 29, 2005 -JAN 27, 2006 4388-6418-2716-8845 Page 1 of 1 Account Summary Pag~tents, Credits and Adjustments Previous Balance =978.46 Payments, Credits and Adjustments 5.00 Trutsactions Transactions ;41.00 Finance Charges 123.75 1 27 JAN CAPITAL ONE MONTHLY MEMBER FEE ;6.00 2 27 JAN PAST DUE FEE 35.00 New Balance 51,043.21 Minimum Amount Due 11,043.21 This account's Non-Introductory Rates as of 12120/05 aze: purchase A.P,R =17.0596V, cash Payment Due Date February 27, 2006 advance A.P.R = 22.7496V and spedal transfer A.P.R = 0.0096. lithe A.P.R is followed by "V," then yvitr corresponding A.P.R is a variable raze. Total Credit Line ;700 Total Available Credit 1.00 Credit Line for Cash ;700 You were assessed a p~ due fce of 135.00 on 01/27/2006 because your nununum payment was not received by the due date of 0]/27/2006. To avid this fce in the future, we recommend that you Available Credit for Cash ;,00 allow at least 7 business days for your payment to reach Capital One. At your service Te rsH Customer Relations or to report a lost or stolen card: 1-500-903-3637 Far free online account servia and spedal Customer offer, log en to: www.eapitabnemm Send payments ta: Send ingwries to: Attn: Remittance Promsin8 Capital One Bank Capital One P.O. Bar 790216 P.Q. Har 30285 St. Louis, MO 63179-0216 SLC, Lrr A4130-0285 Finance Charges Pkare.rareverseridtfor importattt iafansarwn Bmimursmk PAtiadit po~d;,% ~ ev gpplitdta rye APR CD PURCHASES 5990.09 .07737%P 18.2496 523.75 CASH 5.00 .0773796P 28.24% 3.00 ANNUAL PERCENTAGE RATE applied this pt:tiod 28.2496 ~ PLEASE RETURN PORTION BELOW WITH PAYMENT Capita~0~~ 0000000 0 4388641827168845 27 1043210050001043213 Ple~rprinr mailingadiru mrd~or r-mail des below ruing slue ar blmnE ix.E New Balancr ;1,043.21 Minimum Amount Due ;1,043.21 g~~ ppc s Payment Due Daze February 27, 2006 ~+ry Srsre ZIP Total enclosed Z Hone Phone Aloemste Phone Aomnnt Numbs: 4389-6419-2716-9845 a Capital One Bank P.o. Box 790216 Itlnlllunlrl~lul~l St. Louis, MO 63179-0216 Itllr~~~ll~r~~lll~~rllrl~rllrr~~tlrl~~~lltll~~~~rllrll~tlttlrl '-~i #9002825817229114# MAIL ID NUMBER DEBORAH L GRAHAM m 902 ALLENVIEW DR m o MECHANICSBURG PA 17055-8604 ° ~ Irrrlll~rrillrr~~l~l~~l~l~lrrl~~ii~rllr~~tlt~lll~rrt~lrl~rltll r Pltare roritt_ynrv a'rment numsieron.peui rJxeE m money nrdn madepayable to Cgbital One Ban.E and mail in t& entleurAenvelo~u peoplepc~ online u Abetter way to Internet. UNLIMITED INTERNET ACCESS 1-888-587-9669 . a • Mention Offer Cod®: DIAMOND Or visit www.pt3oplepc.com/go/diamond t~ t~ r r 0 e-~ r S tttttttl~ r 8 O O ~m NmN PeoplePC is solely responsible for this offer, and is nil affiliated vrith Capital One. Capital Ora does not provide, endorse a guarantee, and is not alfifated vdth, any product a service shown here. Arty trademarks mentioned herein are solely ovmed try file respective entity. All tights reserved. 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PeoplePC Online Acceleated is not compatible with Mlindows® 96 whh IE 5.5 SP2. Service not availabe in ell areas, Accew ieea, taxes, and other fees and restddiona may apply. Telephone till dtarges may applK even during trial periods. You are respatdde far delemtkting whether a call to orte of Our access numbers wN result in ittlephorte top charges. Access maybe united, especially during times d prek usage. Dial-up numbers maybe changed at PtroplePC's discretion, Cominuous use subject to 6rrrrlout procedures. All use is aubjed to PeoplePC Onlineb Servioas Agreement and Acceptable Use Pdity. 56K is the maximum speed of saNice; actual speed may vary. ® 2008 PeoPIePC Nrc. Au Rights Reserved. PeoplePC Ordina and its logos are Vedernarks of PeoplePC in the U.S and ottta countries. 0 20D6 Capigl One Services, enc. Capital One is a tederapy registered savkre mark. Au rights reserved. ppeenodc rate. To ebuin the average daily balance for the bNlktg Period rovered by this netemem, tore take the hegimng balance of each rgmerd earn ley, add any new trenaeetiarr to cam aegnent, and auhtrect any peymema or credfa. (If fire code N appears on the iron o1 tftia staternerrt next to 'Belertea Rate AppNed To,' we also wirtract any u'peid Boerne large htluded in the balarrce of earfi aagment) THa gives u the Belly 6elertce of salt sepnem. Thar, vve add ry all the dailyy bMarres far earn sagman for the higirq ppaeled and duide by the total raxnba of days h the 6itkq pedal. This gives w the average elegy halarne a1 earn anpntxn, 3. Mewl Prorrapa ieatas (APRI- e. The tens 'Amrd Peroaritage Rate' may appear r APR' m the from of this autemern. b. If tM tale P ~, L (3yrto. LIBOR), C (CertiRCate of Deposit), a S IBankcerd Prime) appears on the lrord of this atatatteM next m the pedadc relate), the pariartc rates and oorreapadrtg ANNUAL PERCENTAGE RATES may vary querteriy and may increase a decrease based m the elated irktces, as laud in TAe WeN Street ..banal, plea the margin previorrely dadaaed to you. Tfar Barges win be effeeNve m the Aral day of ywr nrif~M ~mamhs Janus bV Your peryi~o~d~ic_atatemrrn atdng c. K the mile D (PrloteryF (1d-rrw.JLl~ a G (3~me. LIBOR Repriced Meneiy) appeare m lha from of your nnemern next to rite pedede meta), the pedadc rates and correapartdng ANNUAL P9iCBJTAGE RATES may vary rttenMy end may irorease or decreer based on the stated indeea, as toad h The Way Street .Aorrrw, pea the margin previady dadosed to you. TFteae dtertgea will he effective m the first day of your dllkq period earn mmdt. 4. Aaraarwwt W Late, Ovartrrrt artd Rabntd Payrrrart Fese. Your ttrrernt wN he aseaeasd ro owns then two of the fees Noted here Bat octlr dMrp atV hiNktg perbd lJrtdx the temp of par awtomer a9reattatt, we rerrve the rigFrt m waive a rot to eras arty Teas ridna pr)or notlflcation to you whhaa waiving our d~tt ro arse the acme a simper fees at a later tkna. 5.tF4rtwwfrtg Ytty Aaswat. If a mamhereNp fee aPPeare m the item of this ate[artarY, you have 30 days from the date this weoantertt vvaa mailed ro You to avid payktg the fee a ro lava xrh fee cradled to you if you cancel parr aantat. QektN this period, You may eartdnze ro tree your eooornt wither tavirg to pay the membership Tae. TO rarttel your accarrtt, you rrttwt notify rw by eatktg our t]retaner Ralatiate Deparhrtad arcl pay New Belarra" h fill (eta9ttdrtg tfa mern6er~ prfea> Ixia to t)a ervi of the thirty~av period. R. H Yau Clree Yav Aomat- Yvu ran te4eel to dose par actaaa hV rapktg our Clrwamer Rlatlorw Depanntartt. Vou moat dawroy par credt rardls) and seater serer dtecka, rartral all proaafrorizad biMirtg, and raeae uirtg your aanart. If you do rte[ retreat prawtfndzed blNirtp anatgamems, wa wiN r~rteider recelpt of a dterga par errtltorizedon to reaper yyoouurr am~rnt. Adddatepy, yrxr eocant twill rot he dosed udl you pay ep errtetrts yet etas tb hdratrt9: any traracdora Val lave ataftorized, tirvrtra dargas, past rite Tees, ovedkrit fees, retorted psytrtem fees, rash advwtoa foes artd arty afar faee ssaesaed to your atcaau. You em respatelde for tlteae amorrt[f tMtedter they appear m par attest a< the time you ret}rew to dose the scmtarc a stay are irtnrrsd tatheaquera to par regrrrt to dace the aorxxrt. This may rawit h dargas ePpsrktN on your aooorrr[ attar You Mve Vau errant if it tea already been laced For example, if you eifndzed a purdafe from s memJtent and wa reraive the trerwactton fiortt Ute merdterY abet year attnrnt tae been daaed, yar accaat twit ba reopened. eta amaatt of the large wip hs added ro par secant, and yVoouu will be resperalhla Tor payment. If dtare is e membership fee fix your erxbut, tla fee wq cardrxw to be cherped, to the e~aent pem~tred by law, uMl the arcatak balance hen been paid in Gil ea deflrad etrne. 7. llafrg Your Aeaaut.Vaur rard or acoaun tamer hr reed in rnrractton with arty tmemat gambling treraat7iruw. 9. Nslise Abet Eleabortis CJrek Lbrwrardart. When you ~ M~ ~ ~peymait, you autltodze ua eidrer to dectrorYc flatd trarafer frm~ ro males a erte-time yore bieric aaaux or ro prerrsa the paymem as a dteck trarwacthn. Wltan vse use hlemtatfon from your deck to make an eledrartic find transfer, tratds may he vvkftdrevvrt from ytxr bank arrant r soon ea the rime day vve mceive par payment, and you wiU no! receive your deck heck from year finartdel iradtudm. BILLING RKiHTS SUMMARY (ln Case Of Enna a Orrestiera About Vour Bile If you tdnk your hNl is wrong, or if you need mom inlomtation m a varteacdan a bill, write to ua on a rparne sheet ea seen ea poeeltle at the address fa irrgrides show[ an tfa from of this statemern. We must hear tram you ro later then 60 deya offer tee sem you the fiat hill m wMdt the error er pradan appeared. Veu ran ell cur (xwtemar Fkledere nmhar, bur ddng so tsW not preserve your rigma. h prat letter, give tw rite tallotmfng informaddr yvxu name aM ar~errn rtrntar, the tiller amotari of the arapected errs, a Aesedptim of the eROr and an et~laradon, it prattle, of ~ you hdieve there Is an error, or ii you reed more Mlerrttehm, a deacriprien of the kem you are relate aban. Vw do not have to psy w,y amaan h queatien while we ere ktvestigetkq it, but you are slit ablipated ro pay the peru of ytsr hit that are not in queerim. WFrNe we investigate you t}testim, we cantor report you s dalirxryatt a take any action fa eoaect the emetm you grtestlat. i,t' Spedal File For Ctedt Card Purchases If you fave a preHem with the quality of property er seMcea that you purchased vJth a credt card and you Mtee tiled in good faith to oorrert the problem tr,ith the merdsant, you may have the right rot to pay the remairtinp amwa due m the praparty a rrvfcea. You lave 1Na protectiert ady wirer lire purdar price was more [fan 850,00 and the purchase was made m your home sUfe a within 100 miles of year meiRtg eddrer. lit we own or operate rite merdtam, er tt we mailed yvu the advertiaemem for the property ar services, at purdasea are covered regerder o ematrn or loeadm et Ixelase.) Reese remember to afgn all oorreaportdatce. t Lbes not apply d consumer ron-credit card aerdnts f Goes rot apply to ausiness rrn-credit raid accounts Capital One arpparta InfOnnatial privacy protection: see oa vvabite at www.rapitelane.cam, Capital One is a federally reg~t~red seMce mark of Capital Capital O gel CorPaation. All dghta reserved. ° Ot~LOLBAK 1. Fievv Te Avoid A Firtoe t]rpa. 'j-a. (irsea Pried, Yau wip have a mktimvn grace paled of 25 days vvitftort Rtertce drrga an rww purdtases, rtew halertce trensfea, raw special plaMesea arc! raw other dterges it parr PaV Vex tdel 'New Relents", h eccordertce with the knpatark NotirB fa peymema below, and h time fa h to ba cradled by your rext watemax a depetldetrsrefars. In edd~dm~ffare is ro grace perfect on err/ trartaecoort if par d!r rqt pay tits total 'New hslwtce b. Aeauiq Fitwwa Ciarga. Traraactiaa ettirh are rot er~ject ro a gnt® period are aarrad Rartca large f{ from the date of the traraw.tion a 2) from the date the traraectien is pmoraead to your Avxttnt a 3) from tie first rakrdar ley of the ttrrem hiNkt~ paled. Addtionelly, ii you rid rot pay the 'New BelwtrB from the pretdaw dtktN period kt fir[, fatsrtr8 dtsrgas cerakae ro eoenre to parr rstpeid ttdartrE utdl the unpaid halsrtee is paid in fUl. This means that ywn mey tttul owe RtatrB dtarges, even if you pay the emire New BdarE irtdrated m the from of your autantera by the text ataterrtert deairtg date. dr rid rxx rib ao for rite preNaa ntaiFt. unpaid flrartrB largos ere added ro tla segnera of your Amoraa. 'r c. Mtrtirtem Firtwtca .for each dllktg period that your arxoux isap act to a frartoe large, a mkttnam teal RNANC~ l7-IAAOE of 80.50 vMt he tnpoeed. If rite tmal Branca rite _reslonp from the eppYr of You Pearrtoux fnxnlthe 80.50~nt'stit~s~w50~ ~ arsct that M billed to rite pudtsae a~ra~Y of par aomratt. 'r d. Teryarwy flabwlisrt in Pittance Chsrp, We reserve tFre dgtt ro not aeaeaa sty a aN Rterne charges inr wtV given taFrtg ppeeri_od. 2. Avarape Oaiy Balrrsa rfMNrdY1a Naw Rrd+tresl- a. France charge is ufalMed y mr10p1Yin0 the daily belatce of call aeAnem of your arratax (e.g., ceelt advertce, wry, apadd trerafer, end >Qald prrdaea) Prev~~Y tiro IY Perfecta rete(s) that has been you. At the erd of each ley drrkg ~ bifutg Pte. vsa ~dY ~ ~ periodc rate for eacFt sagrttak of your artarat ro the d~oe_N~ystMgdatce d esrdt the rearla of tltese dopy drwlaletisrr to e~mve at yd~x ~ periodic Rance dterge for call fix. We add r~ t)a Gr~ar ce cM fermi to arrive at the total pedede for call seA afar em~lrtt. To gat the daTV helwtce ftelartoe for cell /t amid axdrl enyytare~ty~ and any pedodc Rance dtarge ralalated m tie previous day's belertrB for that aeQrtem. We flan aubtrect am/ paynterrts a cradle peeled r of that ley [fat ere elbceted to flat aegnax. Ttis gives m the saparete dept balance for eetlt eegnwrx of par sccornL Fittwever, if you peM the New Belartce aftown on your preview eteterrterx h ft11 (or if par raw balance wr zero a s credt arnaaa), raw trwaaetiera whidt poet ro your pudase or spedal purdar segrnenta em rot added ro the deNV belertces. We calaiaro the average dopy belertets by addng et tla daily halertces togetlta and daring tits sun bV the nether of the days h the arrert hiMag cVda. To raleulate ywrr teal dopy pedod~mtby 1f~ie anmbeBr o~~MbsMrne b~~ ~odwdwrrgee the rwi~afat~an ~ ~amant of h. 1 the code Z or Nappesea m~tlte tram of this statemem next ro 'Balance Rate Appied To,' vse muhiply dta Irrpartrat Nolba: Paymema yw mail to w will be cradled to your accaun as of the business day vye receive k provided 11) you send the bantxn pordm v1 rite sutarrern and your Check in the endoaed remittance envelope and 12) you peymem is receved in our poceaaing corner by 3 p.m. ET (f 1 roan PT). Renee aNow at least tva 16) buaineae days for postal depvery Paymada received by w at any other locauan or rn arty vdter form may trot bee credted as of the dayy we raceve than. Our buinesa days are Manley tfsott~t Saturday, sfodtshtg haNdaya. Reese do not tfr atagea, paper dt'pa ac. vRtart Prepsdrtg your pa am. Wftert you saw u a dtackls), you audwdze a to make a ano-time electrartic trarrfet dad[ hem your bank acmnt br the antorart of the dteck. This audtadzadan applrr to all dtaclrs reoeyed durktg lire dNing cycle even if son by aaneane rise. If we camel praceea rite trarafer, you atNwdze lie to make a charge against your bank eccorett using the deck, a paper draft or otlter Ilan. CUSTOMER AGREEMENT' Uu~ll'L-11 ei~me fD Capital One.c9 We are pleased to open your a~'d card account This To get ftite '~!' balance for each segment of your accormt, we take the ~r~..mertt contains iniorrrra5orr about your acxount Please read ~ and keep it for yow begitig tralarrce for eadr segmexd and add any new trarrsac6ons and any girds. M th's Agreement fhe wards `you,' `pool=' arxi ~oaits r"~ei io~ each person i~nw -... _. pig ~•~-"'t=-ba ~~ e" tt-e p day's bad for ttsat zned the appfrcafion and b anyone else who uses the accamt in any way. Each d you st.111b then stthtrad arty payments or ~ posted as of that day that indvrduaAy and jointly oiXigated under this Agreement The words 'tive,' 'us' and `our' are alocated b tfraS segment This gives us the separate darly balance for each can Capital Orre Bank and its successors or assigns. We can delay enforcing our rights segment otyour acxourrt However. ~ you paid the t~~v Balance stmwrr on pow Tiler ibis Agreement wdhout losing them. previous s b ftrl (or ~ pow New 13alanrx was zero or a caedd amorxtf), ing Yaw Account You can make purchases and obtaer rash advances {Awe have ne9r worts which post >o your purdtase or spedal purchase segments an: td you Scat rasa advar>ees are an opfion for your accota-t} by using yow card. accorurt ~ added b ~ ~Y ~~- *nt~er, and arty account mess checks (fndudtng >'urdrase Checks, Ganveniesua To cai~ 7oor total fatance dtarge, multiply purr average daAy balance by ~..cks, 5peaai Transfer Checks and other similar cheds} 6~ad we niay send b you. the daiX pesmdic rate and by the number d days in the ling period. Due ~ ;~r~rt we provute you with arzvrrnt mess dtedts, we wA! teA you whefhar they wg be rorndeg dr a deep basq Srene may be a sigh varrartce between th's aatarl as purchases, cash advances, or special transfers. ifiluss we Tali you otherwise, ca4iaion and ~ amount d finance charge arttaly assessed. 3nvenienre Checi~ wg aherays be treater as cash advarux^s. F. Cash Adva~e >~ N a rash advance Tee appf~s b your acx:ourd, you were Sur card a aexount camoi be used in c~nnec[iorr with arty )nterrref or ~egai gamb6rg tdd the fee rtten you oper>ed pow acxourd. The f~ wi he charged eacta time ~nsacfians. Your card and aa~unt may only be used for valid and tawitd purposes. ff you otoiain a cash advance and vv~ be added m the rash advance segment of +u use, ar alb~v someone else to use, the card ar accvratt for arty ~emi~le yorr accr~af and nr7 reduce your avaaabte credd. The amormt of the cash rrpose, you w~f be responsble for such use and may be -egtraed m reimbarrss us and advarroe Tee wi be added b outer fmarua charges cat your petiodre statement asterCard )nffima5otral fncorparafed or Visa USA, Inc., as fie, for aA amoamts or for ire pnrpoee d meting ifae annual percentage rate drsdosed there. This :psnses u2 ar they pay as 8 resut of such impemtissr'ble trse. rrray ~ the anxral percerage rate dsr~sed on yorr statemend b be w agree that we are not responsthk A anyone refuses to Mortar your accarnt tF yorr do grra~x Sian Ste annual percent~e rate that was d'sdosed b you when you at use pax account, you may cancel it by calling our Cusbrrrer Re~tions deparfinent ~ ad desfrayirrg parr card(s) and account access dtedcs within all days altar you receive Cx Te~npararyRedurBon b Frranoe Charge. We reserve the right b not assess sm. arty a cell finance charges far arty given biAiny period. ash Equ'rvaterrt Transactions. If cash advances are an option for your accoru,,t, yorr Other Fps aratt Charges. The foAowing fees may be tamed b the prxchasA rn -use your aa~unt 1o purchase items that are drrecdfy convert to cash. These cash segment d yotr aa~txrf, uNess otherwise specified, ;n every billing period m fuivalent transactions will be treated as cash advances and wg be billed to the cash whidt Atey apply: Late payment fee A we do not receive your payment ~ time for `~:anr~ ;rgment of your arcaunt Cash equivalent transadwns indude the purchase of ii to be a reds by the following statement dosing date; overfimit fee if pow ;-a ~arsfer money orders, beG, lottery 5ckes, czsino gaming chips, and other simr7ar accnrurt (or any segment of your account) goes or stays above any temporarily ;oduds aservices. or p~rrta~nt}y assigned credit Grnit even if +me approved the overlimit amount, our Gred'd timft You were infd your rxedit limit when you opened your acxvimt You at arty Tore during the bdfing cyde (regardless of whether you went ovedimit as so may have different credit fimits That apply b ddferart segments of pow account a resrd d a trar~6on, fmante dtarrge, ar any other fee or charge); returned uctr as punirases, cash advances, and specal Bansfets}. These aedd Tunifs wiA be dtedt ~ ~' firtte a deck is rehtrned to us for any reason. ar A we ertfifted on pow periodic statement Yvu agree b make purdtases or obtacr cash ~~ trauor Y~ accour~ access duets for arry reason; and tapping dtarge5 3vances wily up to the relevant rxedif Grnit We may inaease or decrease pow txed'd ~ ~ d ttar~sacSo~ ar statements unless required for bitting nits d any fame, may limit the amount that is avai3al~le for cash advances. a may ~ tesoi~on. These fees and charges wA! oaf be assessed A your bflfmg :crude cash advances enfkeiy from your account. We may ttonar transac6ats b r'x~ atldirESS was b Puerto Rico when your account was opened. The fee and your txedd Emit, even if those transactions result iR an overiirruT Tee, and those amounts there dsc to Y~ when Y~ opened Y~ account !f any of ansadions and fees wt~ be covered by this Agreement these fees rx charges are charxJed subsequent to your account opening. You eking Payments. You promise b pay us cep amounts due resutferg from the use d your w~ be advi~l d the new amount We reserve the right to waive these fees x~trnt, ir-c~krdarg any finance charges and other charges due under the terms d 9T,is ~ to you. lreerstertt Payments must be made in U.S. doAars. Payments made ~ a n Mea>d~sbiP Fee. ti your account has a membership fee, if was drsdosed to strurr>antf suctr as a ttheck or a money ceder must be in a form acceptable fA us artd be Y~ rdaer Y'~ Y~ atxxnrnt The fee wg be MAed b the purchase awn oar a U.S. firrantxal ers6drtiort. We may ali~:ate paymenfs among the various se9martdytrwaacourrt -gmenfs of your account in any way we determine. Grertit 8arean tnforrrrabon. You agree that we may abta¢r pow credit ~u must pay at least the mkrimum amount due try the date requested arr your staierrrent fiom tYedi mPo~J agendas at any 5me for Ste purposes of avoid a fate payment fee. However, you may pay more than Bie minimum paymerd tx l-orr txedA Pte. rrsana9in9 pow atxorrnf and consider~g ry the halarrce in fuA. In any case, finance charges will continue to rte assessed during Y~ ~ ~' ~ ~ prvgrants. fing periods that you carry a balance regardless of whether or not your stafemerrf Future Offers. The terms of any future offer writ be disclosed to you at the time ~vvs a minimum payment due. fhe tz'~r is made. >f you accept err otter, the terms wiN become effective e can accept lath payments or partial payments or dtedcs and money orders marked irrrtredefe~- utrl~ oth~e specx'fied in the otter. ayment in fug' ar other sim~r language without losing any of our tigttis under this Defaut YVe may rxa~ you b be in default under ibis Agreement itr (a) you i reearrierrt, incbrdng our right to receive payment in fut. tai b pay fie rrtarHttt$rt payrrtent ort fiirte, (b) You exceed pow txedd 6rrut, ar (c) sriodic Statement Each month you have a balance kt pow accourd, we wgl send you Y~ Pair ~ tr~lr fir>tK ~ are returned for arry n~son. To the extent permitted statement stxm%mg aA transactions billed !o your account during fhe Ml~g period The ~' ~-. l~ ~Y ado be in default wider this Agreement ff: (t} you violate arty of irrtg period is the tune from one statement dosing date through acrd irtcludrrg the next ~ ~ t~ of ~ Agreement, ar any of the terms of any other agreement 3tement tag date. The statement dosing date detemunes the month of a speaGc wr'ttt ua a any d ow afl~raies, a (2} you made any false ar rnisleadi-~ Ting period. For example, your January brlf'mg period is the tang period wiEt the s ~ f~ appf~~. ar (3} bankn~tcy or other insofverxy rtement dosing dale in January. prnceedirg~s are i:ts®uled by par tx against you. Atbr you are in default (ar Hance Charge information. aibr rR garE you aJry notice of ar right b terra fhe default A required by law}, we Grace Perioaf. You wry have a minimum grace period of 2S days wi6~out frt~ce ~Y reslirict your accarnd fiom Hato transactions, ar dose pow account and arge on new purdrases, new balance transfers, new spedat purchases and new o9ter derrrard i d tlw entire outstanding balance. N atfdi6on, as a arges A you pay pow iota! New Balance as shown on you[ periodic statement kt tuA result d the tfefarrE. Yow marurrum payment increase without advance ~' .d in time for it to be t~edited by your next statement dosing date. There is no grace nom. ,~ on cash advances and speaal transfers. In add-6on, ii you dtid not pay the brat To the extent by law, you agree to pay a!i court costs and cotlecion 'w Balance from the previous br7Targ statement in fur and in time for d to ire a~ited try experues s~ ~' ~ ar the ~riedron d any amount you owe us under this ur next statement dosing date, there is no grace period on anp transar~'ion. Agreesrtent. ttyotir default and we refer pow account for coteGion ro an a " ''~ ~° s nil our salaried en>aoyee b the exienf pemritfed b law ou a Aaxuing Finance Charge. Transactions which are not subjec io a grace period are , , y g y ' sassed finarx:e charge as folbuvs: ' pay t~sorrable attaaneys fees. You also agree to pay any costs we may incur ,~ in refrtienrg Y~ ~• indudtng any costs we may incur by having your ~ `r rartisactiorrs made during the current billing period: from the trarrsadivn date. aocaatit placed on a r>wsbicted Est .~„ fndated transactions and transactions made with account access dredcs: from the dad ~,~~_ ~ You pose Yarr Account. Ytw can request to dose your account by calling s transadroar is processed to your account our S~titislonwr ReJa$ours departtrtent You must destroy a4 cards and account ransactiorrs made prior to the current billing period: from the fuss calendar day of the access dtiec>cs. cartrei aN preauthotized bli6ng arrangements, and cease using Trent bti ~ ~~ ~au8rorized br'~ing arrangements, we wry ~ ~ ~difion Ify you did not pay the lJew Balance from the prevtious bi~rtg period in tut, ~ idef dd c rg Your authorization to reopen pow account --L-~-- •- -~.~ +~ ,.~,,. „nna~r{ haianrp irntiii the rxroaid baIlar]ce i5 AdddiDrti~j, yortx atxxacmt w~ not be dosed untrl you pay a!1 arnotrnts you owe rout „Gwt a,aaattcrn ,wuon ry volt, tt rcrc u rw yrtr.c No. w+u wr wq uur..>,...ww,. ~. Accruing Firanc:e Charge. Transactions which an: not subject th a grace period are •Asses.~ fora drarge as iodows: .Transactions made during the current brlfir-g period: from tiie barrsac5on date. .Undated transactions and transactions made with accourt access d~edcs: frorra the data the b-ansadion is~roc~sed to yon accou~._ _ ~,~.~,~,~:~.._._ _ _ •Trarrsactrons made prior ~ the current billing p°..riod: from $re fast cap..ndar day of tire :,urrent btifmg petiad. kdditionasy, if you dd not pay the New Balance from the previous tu"Ifn9. P~ in fug finance dtiarge5 txxrtir-ue to aaxue to your unpaid balance un~ ffre umpa~ balances acid in tut This means that you may stt~ owe fuiance charges, even ti you pay the entire idew Balance indicated on the front of your statement by the Head statertr~rtt dosing dal, but did not do so for the previous month. Unpaid finance drartles are added b the appGr~rb~ segment of your account C. Mmgrrum Finance Charge. For each tril~rg period that your acxamt is subject to a finance drarge, a maximum brat frrranrx charge of g0.5D wi be imposed. ff 1he total frnamce charge resultirg from the appficafion of your periodic rates} is less Ihatt $D.bD, we wtil subtract tiiaf amount fm~rrr the $D.50 minimum and the ddfererx~ wpl be [x'ped to the purchase segment of your arrAUnt D. Periodic Rates. We detemune the daily periods rate by dn+idcg the amnt~l percentage rate by 365 and rorurdirg p to the nearest 1/iDD,DODtir of ~%. The rate may be ddfererrt t~ each segment d your account (e.g., cash advance, purdrase, spedal ptrrdrase, and speaa! transfer if applicable for your account). You were told the daay p~d~ tale{s} when you operresi your acceunt and if appears on your statement. E. CakYrfafirrg Finance Charge. Fnancx charge ~ calculated by multi the daffy hatance of each segrt~nt oil your acxounf (e.g., cash advarx;e, purdrase, special transfer, and special purchase) by the corresponding daffy petiod'ic rate(s) chat has been previausy disdosed fo you. At the end of each day during itre tall'arg period, ore apply ttre daily periodic rah for each segment ~ your accxrunt b the daffy baharrce of Cdr segment Then at the end of the billing period, we add up the results of these daily raicuta6ons to arive of yow perrod'ic Finance charge for each segment We add up 1}re as~ls from each segment to anive ai the total periodic finance charge for your account greemertt andlor temporarily or permanenty suspend your ued'd privileges. This dudes, but is not frtrrited tA, s'ituafions where you have violated this Agreement or where e have reason to doubt your creditworflriness. Your obfigafrons under this Rgreement ~nfirrue after your rghts to obtain crsdi( have been terminated or suspended tNe may :fay in enforgng our rights under this who is not err salaried etnpbyee, t4 the extent permitted try law, you agree to pay reasonable attonteys' fees. You aka agree m pay any costs we may incur it re~riev6lg Vote cards, indudng any mats we ,Tray inrx,r by fravarg your a~ placed orr a restricted fist !f Yotr Close Your Account You cart request b dose your accormt by calling _~ R~ar>s~e~artment You mast destroy ap cards and accocmf arx>ess dredcs, ratrce) ap preaupaoriied bp6rrg atrangemerris, a'bd cease usirttd your accvtmt tf you do not cancel prear~rarized bring anangemenis, we vrtil receipt of a charge your auttrorQafion io reopen your account may, your arxvunt wpl not be dosed trrti you pay ae arr~unfs you owe us ir>cMdmg: arty bartsac6ons you have ao~mrized, fnarrce charges, late paymemf mss. over6rrrit fees, returned check fees, cash advance fees and any other ieES assessed b your atzx>uni. You are resporisble for these amounts they appear on your accour>t at tt>e 6trre you request b dose the aarourt a they are irraared subsequent b yatr request to dose the arxount This may result n charges appearing on your accotart after you have requested ifre aarormt b be hosed or the of yorr aunt p p has aheady beer- dosed. For example. ~ you aup>o~ a pt from a rnerdrani and we ret~lYe tine trarrsar,6on horn the merdtiant atte-your acx~unt has been dosed, yotr accowrt wlN be reopened, the amamt of fire drarge w71 be added to your aaount, acrd you wB be reaponsble for payrrrert ti there is a rr,.mbership fee for your aoootar~ tits fee wnl! cantinue to be d`raoged, to the extent permitted by law. tar8 the accaurr! ba>ance has been paid b fir1 as defined above. If you want tD sbp an au6wr¢ed user's amass b your account, you muss call otr Cusbmer Retains department and destrq the r~s card (d any) and any account access mocks he or she may have. ff you are unable to destroy that person's card and accour! access des, and you cad our Customer Relations department to dose your account, your account enll be dosed and both you and the join grdhofder, p any, may apply for a new arxount If we dose the aaaount, you and the joint cardholder, if any, wi sf~ be treble, indivrduatfy and together, for all amounts charged to your accormt tf ale Carnet Yuur Account or Suspend Credit Privilegzs. We may at any time, with or without cause and with or without a0v3nw notice, terminate this ._.,;,~~ ;-. ~"~. VERIFICATION The undersigned does hereby verify subject to the penalties of 98 Pa. C.S. X4904 relating to unsworn falsification to authorities, that he is an attorney far the Plaintiff herein and makes this Verification based upon the facts as supplied to him by the Plaintiff because the Plaintiff is outside the jurisdiction of the court and the Plaintiffs Verification cannot be obtained within the time allowed for the filing of this pleading; and that the facts and circumstances set forth in this pleading, are true and correct to the best of his knowledge, information and belief. CERTIFICATE OF SERVICE A true and correct copy of the Amended Complaint in Civil Action has been served i t' ~ by First Class Mail, postage pre-paid, on l ~' day of ~'`~~^'~~~ , 2007 upon the following: Deborah Graham, Esquire 902 Allenview Drive, Mechanicsburg, Pa. 1705_5 By: r,_s ~ ~_.~ ~= ? t; -~ r. a~?~ ~ .~ c~ _~. `~ ~ f~~ ~~ . .~~ ~ - '7 ~Tj 1...:+ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff CIVIL ACTION -LAW v. DEBORAH L. GRAHAM, : N0.07-5313 Defendant . NOTICE TO PLEAD TO: Benjamin R. Bibler, Esquire WELTMAN, WEINBERG & REISS CO., L.P. 2718 Koppers Building 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plaintiff You are hereby notified to file a written response to the enclosed DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT within twenty (20) days from service hereof or a judgment may be entered against you. Dated: 1 O orah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff v. DEBORAH L. GRAHAM, Defendant CIVIL ACTION -LAW N0.07-5313 DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT Defendant, Deborah Graham, preliminarily objects to Plaintiffs Amended Complaint, as follows: J. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPt1CABLE RULES OR LAW. 1. Pa. R.C.P. No. 1019 requires that a complaint must set forth allegations in a clear, concise and summary form, including a specific avem~ent of default. 2. Pursuant to Pa.R.C.P. 1019(f), averments of time, place and items of special damages shall be specifically stated. 3. The Amended Complaint purports to state a claim against Defendant for default under the terms and conditions governing the use of a credit card. 4. Paragraph 3 of the Amended Complaint states that Defendant "applied for" a credit card and received a credit card issued by Plaintiff. 5. Plaintiff attaches to its Amended Complaint copies of purported monthly statements, as Exhibit "A"; however, the copies show at least three (3) different mailing addresses used by Plaintiff for the alleged credit account. 6. Further, Plaintiff's Amended Complaint attaches a copy of a purported "Customer Agreement", as Exhibit "B"; however, the agreement is neither dated nor signed by Defendant. 2 7. Plaintiff fails to attach a signed contract, the charge slips, or the application for the credit card in violation of the pleading rules. See Worldwide Asset Purchasing LLC, v. Nancy A. Stem, No. AR04--0429, slip op., (PA C.P, 2004); Atlantic Credit and Finance Inc v. Giuliana, 829 A.2d 340, (Pa. Super. 2003) 8. Rule 1019(1) of the Pennsylvania Rules of Civil Procedure requires that where a claim or defense is based upon a writing, the pleader shall attach a copy of the wring, or the material part thereof, but if the writing or copy is not accessible to the pleader, it is sufficient so to state, together with the reason, and to set forth the substance in writing. 9. Plaintiff's unsigned and undated customer agreement and purported monthly statements using different mailing addresses do not substantiate the existence of a signed contract, charge slips or the credit application, as required by law. See Worldwide Asset Purchasing LLC, v. Nancy A. Stem, No. AR04- 4429, slip op., (PA C.P., 2004), Atlantic Credit and Finance Inc v. Giuliana, 829 A.2d 340, (Pa. Super. 2003) 10. Under Pa. R.C.P. No. 1028(a)(2), a party may preliminarily object by way of a motion to strike off a pleading because of lack of conformity to law or rule of court. 11. The substance of Plaintiff's Amended Complaint violates the Pennsylvania Rules of Civil Procedure and must be dismissed. WHEREFORE, Defendant, Deborah L. Graham respectfully requests that Plaintiff's Amended Complaint against her be dismissed for lack of conformity to the Pennsylvania Rules of Civil Procedure. 11. PRELIMINARY OBJECTION RA/S/NG FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 12. Paragraphs one through eleven are incorporated by reference as if set forth at length herein. 13. The verification to plaintiff s amended complaint was not made by the party filing suit, but rather was made by plaintiffs attorney. 3 14. Pa. R.C.P. 1024(c) requires that: The verification shall be made by one or more of the parties filing the pleading unless all the parties (1) lack sufficient knowledge or information, or (2) aze outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of his information as to matters not stated upon his own knowledge and the reason why the verification is not made by a party. 15. The verification to plaintiff's amended complaint was not taken by the plaintiff and does not set forth the source of plaintiff s attorney's information as to the matters contained in the complaint. 16. The verification fails to contain a written explanation of the reasons why a verification by the plaintiff could not be obtained within the time allowed by law for the fling of the pleading. See Commonwealth Financial Services v. Scott Miller, No. AR04-4572, slip op., (PA Court of Common Pleas, 2004) citing the case of Rokeby-Johnson v. William Moennigand Son, Ltd., 41 D.&C.3d 594,597-98 C.P. Phila. 1984) 17. This objection is not trivial because Plaintiff has not alleged sufficient facts to demonstrate that Defendant signed a contract or actually applied as the responsible party. 18. Plaintiffs' Amended Complaint is not properly verified as required of a pleading under Rule 1024(a), and must be stricken. WHEREFORE, Defendant respectfully requests that Plaintiffs' Amended Complaint be stricken. Dated: Respectfully submitted Deborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant 4 CERTIFICATE OF SERVICE 1 HEREBY CERTIFY that a true and correct copy of the foregoing Preliminary Objectio s furnished by U.S. Mail, first class, postage prepaid on this ^~~~ay of , 2007, to: Benjamin R. Bibler, Esquire WELTMAN, WEINBERG & REISS CO., L.P. 2718 Koppers Building 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plaintiff Dated: t ~ Deborah G Defendant 5 i ~ r~ y`.~ ^y ~/ /'" L 44 '~ 1,_~. ~ ~ f ~ ~ i ~Y_j _ ~ t ~.. a. , ~t , _ ~ ""` ~ ~= .l --t ~ --C ti t~Gn~ 73~b PRAECIPE FOR LISTING CASE_FOR_ARGUMENT (Must be typewritten and sutmi..tted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please List the within matter for the next Argument Court. CAPTION OF CASE (entire caption rtaast be stated in full) ~~ ~t~L ~n~ ~tM~ P vs. (Plaintiff} ~e..ho~a~ L ~jv~~l~~r, (Defendant) No. 5313 Civil % ,~•, ~! 200 1. State matter to be argued (i.e., plaintiff's rrotion for new trial, defendant's dersuzer to corr~laint, ejtc1. } : / ~ ~~ t ~ ~re ~ eK%~.fY ~~~ c c '~ • °~t~ 2. Identify counsel who will argue case: WiNtfYldrl, MNAinbsrg 1!t R~ CO. 1400 Koppers Bldg. ` • R, .~-.~~~- ~~ ~ 436 7th Ave. (a) for plaintiff: ~"J~~^,~ i Aaalress : Pittsburgh, PA 15214 (412 434-7955 (b) for defendant:(Pr, _ se~ ~e,hora~ L, (~rG~Grr, Address: ~+ ~jy/o2 ~1(env,e.,. ,~~.~~, 3. I wi11 notify all parties in writing within two days that this case has been listed for ar~nmPnt. ~e1 4. Arg~n~.nt Court Date: ~~ _ . _~ l6, 2~~d~ Atto for ~ ~,~. ~ ,~ ,• ,~ ~• CERTIFICATE OF SERVICE A true and correct copy of the Praecipe For Listing Case For Argument has been served by First Class Mail, postage pre-paid, on ~ day of tj~a 2008 upon the following: DEBORAH L GRAHAM 902 AI-LENVIEW DR MECHANICSBURG,PA 17055 By: t~-~ ~-~ ~_ ~ =t'i C ~ rx~ ~1 ;,; -. N •--- ' e ~ __ ~a.. ~..- _ _.:_ "^ ~~ 1 C~ _~ .Y• ~'~ .. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, Case No.: 07 - 5313 TYPE OF PLEADING: vs. PLAINTIFF'S RESPONSE IN OPPOSITION TO DEFENDANT'S PRELIMINARY OBJECTIONS DEBORAH GRAHAM, Defendant. FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire Pa. I.D.# 93598 Weltman, Weinberg, and Reis Co., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR #6047316 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, Case No.: 07 - 5313 TYPE OF PLEADING: vs. PLAINTIFF'S RESPONSE IN OPPOSITION TO DEFENDANT'S PRELIMINARY OBJECTIONS DEBORAH GRAHAM, Defendant. PLAINTIFF'S RESPONSE IN OPPOSITION TO DEFENDANT'S PRELIMINARY OBJECTIONS Now comes, Plaintiff, by and through its counsel, Weltman, Weinberg, and Reis Co., L.P.A. and responds in opposition to Defendant's preliminary objections. 1. Rule 1019 speaks for itself. 2. Rule 1019 speaks for itself. 3. Admitted. 4. The Complaint speaks for itself. 5. The Statements speak for themselves. If Defendant is claiming this is fraud or that she never lived at the address to which the statements were mailed, Defendant make such an averment in her legal pleadings under penalty of perjury. Plaintiff avers that Defendant is trying to mislead this honorable court by ambiguously pointing out the different mailing addresses. 6. Exhibit B speaks for itself. 7. Denied. The crux of the argument in both these cases, besides the fact that the Plaintiff was a 3rd party debt buyer, was that the Plaintiff failed to attach any contract or agreement between the original Creditor and the Defendant. Plaintiff has attached a copy of the document it avers controls the contractual relationship of the parties. Additionally, the cited case has no presidential value here. 8. Rule 1019 speaks for itself. Plaintiff has attached a copy of the document it avers controls the contractual relationship of the parties. Defendant's disagreement creates a factual issue, not to be decided through preliminary objections. Additionally, an offer may be accepted by conduct and what the parties do pursuant to the offer is germane to show whether the offer is accepted. 9. Denied. The crux of the argument in both these cases, besides the fact that the Plaintiff was a 3rd party debt buyer, was that the Plaintiff failed to attach any contract or agreement between the original Creditor and the Defendant. Plaintiff has attached a copy of the document it avers controls the contractual relationship of the parties. Additionally, the cited case has no presidential value here. 10. The Rules speaks for itself. 11. Denied. Defendant may raise her own disputes to a finder of fact. WHEREFORE, Plaintiff respectfully requests that this Honorable Court overrule Defendant's Preliminary Objections to the Amended Complaint or, in the alternative, grant Plaintiff 30 days in which to file a Second Amended Complaint. Respectfully submitted, PA I. #93 S Wel einberg, and Reis Co., L.P.A.. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR 6047316 CERTIFICATE OF SERVICE A true and correct copy of Plainti ~ Response to Preliminary Objections and Brief in opposition has been served by U.S. Mail, on the ~ ~ day of ~Pr• ~ , 2008, upon the following: Deborah L. Graham 902 Allenview Mechanicsburg, PA 17055 By: ~'S ~3 ~ .-- 7 ~. _ C`J - !'T" t -.:1 t C ~XJ ( {.J~.) CAPITAL ONE BANK IN THE COURT OF COMMON PLEAS OF :CUMBERLAND COUNTY, PENNSYLVANIA V. DEBORAH L. GRAHAM N0.2007 - 5313 CIVIL TERM IN RE: DEFENDANT' S PRELIMINARY OBJECTIONS BEFORE HESS, OLER, JR., GUIDO, JJ. ORDER OF COURT AND NOW, this 12TH day of MAY, 2008, after review of the Amended Complaint, as well as the briefs filed by the parties, Defendant's Preliminary Objections are DENIED. Benjamin R. Bibler, Esquire 2718 Koppers Building 436 Seventh Avenue Pittsburgh, Pa. 15219 Deborah Graham 902 Allenview Drive Mechanicsburg, Pa. 17055 Court Administrator - :sld By Edward E. Guido, J. eopr ~ t,~, ~?(~ ~ips m~~~ ~/!~/d~ ~~ ~i~.~'~~fl~nS~1{' r~~ ~ = i I #~~ h 1 ~~~ 8001 A3~1Q~ i~~.G~~ ~~-{.i. ~© -~1~1~ .~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. CAPITAL ONE BANK Plaintiff CIVIL ACTION -LAW DEBORAH L. GRAHAM, : N0.07-5313 Defendant : (JURY TRIAL DEMANDED) NOTICE TO PLEAD TO: Benjamin R. Bibler, Esquire Attorney for Plaintiff, Capital One Bank You are hereby notified to file a written response to the enclosed DEFENDANT'S ANSWER WITH NEW MATTER AND COUNTERCLAIMS within twenty (20) days from service hereof or a judgment may be entered against you. DATE: (~ i eborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff v. DEBORAH L. GRAHAM, Defendant CIVIL ACTION -LAW N0.07-5313 (JURY TRIAL DEMANDED) ANSWER WITH NEW MATTER & COUNTERCLAIM 1. Denied as after reasonable investigation Defendant is without knowledge or information sufficient to form a belief as to the truth of this averment. 2. Admitted. 3. Denied. On the contrary, Plaintiff fails to produce a signed credit card application or signed cardholder agreement. By way of further answer, Defendant avers that due to lack of mutual assent and plaintiff's misrepresentation and active concealment regarding the transaction, no enforceable contract exists. 4. Denied. On the contrary, due to lack of mutual assent and plaintiff's misrepresentation and active concealment regarding the transaction, no enforceable contract exists. By way of further answer, Plaintiff fails to produce a signed credit card application or signed cardholder agreement and Plaintiff's allegation regarding the terms and assessment of fees and penalties, especially the unlawful fees and interest added after the Defendant rescinded her transaction with Plaintiff, constitutes an abusive debt collection practice and deceptive trade practice. Defendant specficalty denies the validity and authenticity of the statements attached as Exhibit A, which are contrary to the express statements, representations and advertisements made by Plaintiff. 5. Denied. Denied that any valid contract exists or default thereof for the reasons set forth in Defendant's New Matter, which averments are incorporated by reference as if set forth at length herein; and, accordingly, Plaintiff is not entitled to the relief requested. 6. Denied. Denied that any amount is due for the reasons set forth in Defendants' New Matter, which averments are incorporated by reference as if set forth at length herein; and, accordingly, Plaintiff is not entitled to the relief requested. 7. Denied. The allegations contained in paragraph 7 contain mere conclusions of law to which no response is required. By way of further answer, it is denied that any valid contract exists or default thereof for the reasons set forth in Defendants' New Matter, which averments are incorporated by reference as if set forth at length herein; and, accordingly, Plaintiff is not entitled to the relief requested. WHEREFORE, Defendant respectfully requests that Plaintiffs claim be dismissed, and that judgment be entered in favor of Defendant with costs and against Plaintiff. NEW MATTER 8. To the best of Defendants' knowledge, Plaintiff (hereinafter "Capital One Bank") is a diversified financial services company offering a broad array of credit, savings and loan products #o customers in Pennsylvania and the United States. 9. At all relevant times, Capital One Bank, in the ordinary course of its business, regularly extended or offered to extend consumer credit to consumers through its credit card program. 10. At all relevant times, Plaintiff Capital One Bank promoted their credit card with credit limits up to a specified dollar amount that was essentially illusory. 11. Plaintiff Capital One Bank targeted Defendant with a solicitation for a credit card with a maximum or "up to" credit limit that Plaintiff never intended to issue. 12. Plaintiff Capital One Bank provided Defendant a default credit line that was significantly lower than the maximum amount advertised, without disclosing this possibility in the promotional materials. 13. In addition, Capital One Bank sent to Defendant Graham a credit card application that advertised the possible uses of the credit card when the initial available credit line extended to Defendant was so limited that the advertised possible uses were substantially illusory. 14. Plaintiff Capital One Bank's promotional rate offer did not disclose material terms and limitations of the card, such as time limits on the promotional rate, circumstances that could shorten the period the rate was to be in effect or cause the rate to increase, and limits on the types of charges or balances to which the rate would apply. 15. Plaintiff Capital One Bank did not disclose fully and prominently in the promotional materials the circumstances under which the credit card agreement permitted Capital Bank One to increase Defendant's APR or #ees, or take other action to increase the cost of credit. 16. At all relevant times, Plaintiff Capital One Bank engaged in abusive and deceptive practices and reprehensible behavior in its dealings with Defendant as follows: (a) Plaintiff advertised an introductory low rate with no annual fees and then charged Defendant the highest interest rate and included membership and insurance fees; (b) Contrary to the initial solicitation and advertisements, Plaintiff charged a monthly member fee of $6.00 and a payment protection fee of $5.90; (c) Plaintiff failed to disclose that it would impose other charges such as online payment fees of $20, past due fees of $58, and over limit fees of $58; (d) Plaintiff's assessment of member fees, payment protection fees and penalty fees not only increased the credit card's already high rate of interest payment but also caused Defendant's credit limit to be exceeded, which then subjected Defendant to over limit fees each month and additional padded interest. 17. On numerous occasions, Plaintiff Capital One Bank failed to timely post Defendant's monthly payment and then imposed late fee penalties or over limit fees. 18. At all relevant times, Plaintiff Capital One Bank had the ability to decline over-limit transactions, but chose to permit them and then reap penalty fee income from Defendant. 19. On numerous occasions, Defendant contacted customer service to complain about the unjustified charges and Plaintiff would correct the monthly billing charge only to continue with same abuses during the next monthly billing cycle. 20. As a result of Plaintiff's reprehensible conduct and failure to correct its abusive credit practices, Defendant contacted Plaintiff to close the account and requested Plaintiff to provide her with a full account history and final billing. 21. In disregard of Defendant's communications to close the account and provide an accounting, Plaintiff continued to keep the account open and continued to bill Plaintiff for member fees and past due penalties. As a result of Plaintiff's predatory practices and padded interest charges, Plaintiff is now attempting to collect excessive and unlawful fees and interest, which were never disclosed by Plaintiff or agreed to by Defendant. 22. Plaintiff Capital One Bank's credit advertisement and application did not include the rates, fees and other costs that Plaintiff applied to Defendant's credit card account white the account was open; further, PlaintifF provides no basis in law or fact for adding late fees and a 28.240% interest rate to the balance, if any, after the account was closed. 23. Plaintiff Capital One Bank required or induced Defendant to pay a member fee and payment protection insurance without prior notice or consent and then saddled her with higher annual interest than what they advertised in their promotion for the credit card and above the rate she would have been charged elsewhere. 24. Plaintiff Capital One Bank failed to deliver all the "material" disclosures to Defendant in connection with this transaction. 25. Although Defendant rescinded the transaction and gave notice to close the account, Capital One Bank has failed to take any action necessary or appropriate to reflect the termination of the credit account and to cease the assessment of unlawful charges to the detriment of Defendant. COUNTERCLAIMS Co.- (Violation of the CPL) 26. Defendant incorporates her answers to paragraphs 1 through 25 above as if set forth at length herein. 27. At all times relevant hereto, Plaintiff Capital One Bank was a "person" as defined in Section 201-2(2) of the Pennsylvania Unfair Trade Practices and Consumer Protection Law, 73. P.S. Section 201-1 et seq. (hereinafter "CPL") 28. The Plaintiff Capital One Bank has violated the provisions of the CPL with respect to Defendant by engaging in consumer-oriented acts and practices which were deceptive or misleading in a material way, and which were unfair, deceptive, and contrary to public policy and generally recognized standards of business, including but not limited to: (a) Misrepresenting to Defendant -- or failing to inform Defendant about the terms of the credit account, and the nature and details of the transaction she was entering into, including but not limited to: the amount of credit, the finance charge and the costs and fees associated with the credit account ; (b) Misrepresenting to Defendant that the credit card had benefits that it did not have, or failing to inform Defendant that said transaction had little or no benefits, which did not merit entering into the transaction given the low limit, padded costs and interest rates; (c) Fraudulently assessing charges and interest that was not based on contractor permitted by taw; (d) Failing to provide Defendant with the appropriate andlor accurate disclosures and notices, including but not limited to credit disclosures required by law; (e) Preventing Defendant from obtaining a copy of the application and her account history and balance; (f) Misrepresenting to De#endant that the costs and fees included each month were bona fide and reasonable and necessary for the extension of credit, or failing to inform Defendant that they were not; (g) Requiring Defendant to execute inaccurate or incomplete documents in order to open the account; (h) Effectively negating Defendant's statutory rights to rescind by failing to provide the appropriate disclosures, andlor by inducing Defendant to incur overcharges and other added fees; (i) Requiring credit insurance or leading Defendants to believe tha# credit insurance was a requirement of the loan transaction; (j) Violating the provisions of the CPL, which requires certain disclosures in connection with open end credit transactions; and (k) Engaging in false sales tactics to induce Defendant to enter into deceptive, fraudulent and unconscionable transaction. 29. Defendant reasonably relied on Capital One Bank`s above-identified deceptive acts and practices, and entered into the credit card transaction that the Defendant otherwise would not have entered into but for those deceptive acts and practices. 30. Capital One Bank utilized artifice and deception to take advantage of Defendant's confusion and lack of sophistication. 31. More specifically, Capital One Bank knew or should have known that Defendant was unaware of the various charges imposed on her in the transactions and the fact that some of those charges were illegal under Pennsylvania law. 32. Capital One Bank engaged in questionable marketing practices when soliciting Defendant and then deliberately instituted practices that resulted in the imposition of late fees and padded interest charges. 33. While representing to Defendant that a credit card account with Capital One Bank would be advantageous, Capital One Bank omitted the material fact that it would charge substantially higher interest rates and padded fees for the credit card than what Defendant was already paying. 34. Defendant suffered loss and damages as the proximate result of Capital One Bank's above-described deceptive and unfair practices, including but not limited to: excessive credit card fees and costs and emotional distress concerning possible loss of her credit. 35. Plaintiff Capital One Bank is liable to Defendants for actual and punitive damages under Pennsylvania common law, as well as treble damages, and other appropriate relief, pursuant to 73 P.S. § 201-9.2. WHEREFORE, Defendant Graham demands judgment against Plaintiff Capital One Bank for treble damages in the amount of at least $4,500.00 pursuant to 73. P.S. Section 201-9.2 plus court costs and expenses incurred herein. Co_ (Rescission) 36. Defendant incorporates her answers to paragraphs 1 through 35 above as if set forth at length herein. 37. Capital One Bank's representations that the credit card transaction had benefits that it did not have, were false and misleading, and constitute a misrepresentation of material fact. 38. Capital One Bank's representations about the benefits of establishing a credit card account while omitting that it would charge substantially higher interest and fees for the credit account than what Defendant was already paying, were false and misleading, and also constitute a misrepresentation of material facts. 39. Defendant justifiably relied upon the aforesaid material facts as represented by Plaintiff Capital One Bank, as a result of which she applied for a credit card with Capital One Bank and sus#ained the losses and damages set forth above. 40. Had Defendant known that Plaintiff Capital One Bank would be charging substantially higher interest and #ees than what Defendant was already paying, she would not have applied for a credit card with Capital One Bank. 41. Had Defendant known, as Capital One Bank did, that said transaction had little or no benefits, which did not merit entering into the transaction given Capital One Bank's tow credit limit, padded costs and interest rates, Defendant would not have applied for a credit card with Capital One Bank. 42. Plaintiff unlawfully refused to honor Defendant's election to rescind the transaction under common law. WHEREFORE, Defendant requests the following relief: A. An order (i) entering declaratory relief of rescission for the Defendant, (ii) voiding any interest, cos#s or fees charged or obtained by Capital One Bank, (iii) providing actual damages and costs to the Defendant; B. An Order declaring Defendant's credit card transactions void and unenforceable due to their unconscionability under Pennsylvania state law; C. Such other relief at law or equity as this Court may deem just and proper. Count 3 Breach of Contract) 43. Defendant incorporates her answers to paragraphs 1 through 42 above as if set forth at length herein. 44. The conduct, practices and activities of Capital One Bank described herein constitute a material breach of the credit application and, further, constitute a material breach of the representations, statements and undertakings set forth hereinabove, and made expressly or implicitly a part of said agreement for which breach Defendant is entitled to recover damages. 45. Plaintiff has breached its agreement and its duty to exercise good faith to Defendant's detriment. WHEREFORE, Defendant respectfully demands judgment against Plaintiff Capital One Bank for rescission and in an amount sufficient to compensate her for damages incurred by her, including (1) Actual damages; (2) Statutory damages pursuant to 73 P.S. § 201 - 9.2, including treble damages; (3) costs; and (4) Such other and further relief as the Court deems proper. Co._ (Fraud) 46. Defendant incorporates her answers to paragraphs 1 through 45 above as if set forth at length herein. 47. As a direct and proximate result of the above-described conduct of Plaintiff, Defendant has suffered damage or injury to her property and contractual rights in that Defendant has incurred late charges, added interest, unnecessary insurance payments and Defendant's credit account has gone into default status. 48. The aforesaid conduct of Plaintiff was undertaken fraudulently, in bad faith and with the intent to interfere with the contractual rights and prospective advantages of Defendant. 49. By reason of Plaintiff's intentional and misleading omissions, and Defendant is entitled to recover treble damages of at least $4,500.00. WHEREFORE, Defendant Graham respectfully demands judgment against Plaintiff Capital One Bank for rescission and in an amount sufficient to compensate her for damages incurred by her, including (1) Actual damages; (2) Statutory damages pursuant to 73 P.S. § 201 - 9.2, including treble damages; (3) costs; and (4j Such other and further relief as the Court deems proper. Count 5 (Unconscionability and Bad Faithj 50. Defendant incorpora#es her answers to paragraphs 1 through 49 above as if set forth at length herein. 51. As described below, Capital One Bank systematically engaged in procedural and substantive unconscionability in violation of Pennsylvania's common law prohibiting unconscionability and bad faith in consumer transactions. 52. Prior to and during the time of the credit card application, there existed a disparity in bargaining power between Defendant (on the one hand) and Capital One Bank (on the other hand). Defendant is an unsophisticated consumer. Capital One Bank is part of a sophisticated, publicly traded, multi-million dollar financial services company that has engaged in the issuance of credit cards and credit financing over a vast time period. 53. Procedurally, Capital One Bank intentionally misrepresented, or failed to disclose, material information concerning the nature and terms of the Defendant's credit account, thereby depriving Defendant Graham of material information of which she was unaware, and also depriving her of information that might have reduced the disparity in bargaining power between the parties. 54. Procedurally, Capital One Bank also failed to provide to Defendant certain disclosures and notices, thereby depriving Defendant Graham of her statutory right to cancel her contracts, and also depriving her of a procedure that might have reduced the disparity in bargaining power between the parties. 55. Procedurally, Capital One Bank also prepared advertisements and solicited an application for credit that was purposely misleading and designed to induce Defendant to apply for credit, thinking that she was obtaining more favorable terms than her other credit card accounts. 56. Procedurally, Capital One Bank also induced Defendant to apply for credit without providing the required disclosures that would have explained to the Defendant the true nature and terms of her credit card, protected her from Plaintiff Capital One Bank's unconscionable practices, and reduced the disparity in bargaining power between the parties. 57. Procedurally, Plaintiff Capital One Bank also induced Defendant to execute an application for credit based on inaccurate and incomplete information and false advertising. 58. Procedurally, Capital One Bank also failed to provide Defendant with required disclosures or relevant information, which prevented Defendant from having a better understanding about the credit card transaction. 59. Procedurally, Capital One Bank misrepresented, or failed to disclose, to Defendant that her credit card transaction contained higher interest and padded fees, a decreased grace period and a unilateral change in terms provision. 60. Given the disparity of bargaining power between the parties, and the imbalance in acumen and understanding of the parties, the above ident~ed procedural unconscionability was intended to, and did, cause Defendant to have a lack of meaningful choice in connection with her credit card transaction. 61. Substantively, the credit terms provided by Capital One Bank: a) was higher than Defendant was paying on her other credit accounts and exacerbated her financial obligations; b) provided little or no economic benefit to Defendant; c) allowed Plaintiff to obtain various fees higher in amount, imposing them more quickly and assessing them more often; and d) provided Plaintiff with a sign cant source of revenue at Defendant's expense and to her detriment. 62. The above described substantive unconscionability rendered the credit card contract that was entered into unreasonably favorable to the Plaintiff Capital One Bank. 63. Defendant reasonably relied on Capital One Bank's above described unconscionable practices, which proximately caused her injury. 64. The above described unconscionable practices render void and unenforceable the credit card transaction entered into between Capital One Bank and Defendant. 65. As a result of the above described violations the credit card transaction with Capital One Bank is void and unenforceable; WHEREFORE, Defendant requests the following relief: A. An order (i) entering declaratory relief of rescission for the Defendant, (ii) voiding any interest, costs or fees charged or obtained by Capital One Bank, and (iii) providing actual damages and costs to the Defendants; B. An Order providing equitable and monetary damages to Defendant under the CPL, including treble damages and costs; C. An Order declaring Capital One Bank's credit card transactions void and unenforceable due to their unconscionabitity under Pennsylvania state law; D. Such other relief at law or equity as this Court may deem just and proper. V. Demand for Jury Trial 66. Defendant respectfully demands trial by jury on all Counts to which they are so entitled. Dated: Respectfully submitted, --~ rah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and corn~ct copy of the foregoing Answer and Matter was famished b .U.S. Mail, first class, postage prepaid on this ay of , 2008, to: Benjamin R. Bibler, Esquire WELTMAN, WEINBERG & REISS CO., L.P. 2718 Koppers Building 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plaintiff Dated ~ ~------_ Deborah sham Defendant VERIFICATION I ~ ~ ~.~ o ,hereby acknowledge that I am a in the foregoing ~s ~„~ ((~ ~~ ~~I h read the foregoing, and the facts stated therein aze true and correct to the best of my knowledge, information and belief. I understand that any false statements herein aze made subject to penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Dat f-. r.s t ' 'i'i ~. T °' 1ti,a ~ _ "i-~a ,.. C~a :~::3 -<' ~Z.~,.. d '7. 5313 CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Defendants Interrogatories and Request for Production of Documents Addres to Plaintiff was furnished by U.S. ail, first class, postage prepaid on th' y of , 2008, to: Benjamin R. Bibler, Esquire WELTMAN, WEINBERG & REISS CO., L.P. 2718 Koppers Building 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plaintiff Dated; (,~ e orah Graham Defendant ~~ ~ L~ rX I ~- ~»; ; -'- ~,b _ ~ . -_ _ -j.; `+.,1 + .__ ""~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff, No. 07-5313 TYPE OF PLEADING: vs. PLAINTIFF' S PRELIMINARY OBJECTIONS TO COUNTERCLAIM DEBORAH L. GRAHAM, Defendant. FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire PA I.D.# 93598 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 6047316 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff, No. 07-5313 TYPE OF PLEADING: vs. PLAINTIFF' S PRELIMINARY OBJECTIONS TO COUNTERCLAIM DEBORAH L. GRAHAM, Defendant. P LAINTIFF' S PRELIMINARY OBJECTIONS TO COUNTERCLAIM AND NOW, comes the Plaintiff, by and through its counsel, Benjamin R Bibler, Esquire and Weltman, Weinberg & Reis, CO., L.P.A., and files the following Preliminary Objections to Counterclaim: 1. Plaintiff initiated the within action on September 5, 2007, by the filing of a Complaint against the above-named Defendant seeking to recover an unpaid credit card debt. 2. Defendant first filed Preliminary Objections, which were dismissed. 3. Defendant has filed an Answer, New Matter and Counterclaim. r I. -FAILURE OF A PLEADING TO CONFORM TO LAW OR RULE OF COURT AND INSUFFICIENT SPECIFICITY IN A PLEADING 4. The averments contained in Paragraphs 1 through 4, above, are incorporated herein by reference thereto as though herein set forth at length. 5. Every plaintiff asserting a private cause of action under the UTPCPL must establish the elements of a common law fraud action. Toy v. Metropolitan Life Insurance Co., 2004 Pa,Super. 404, 2004 Pa.Super. LEXIS 3842 (2004). 6. In Pennsylvania, in order to maintain a cause of action for fraud, the plaintiff must allege the following elements: (1) a representation; (2) which is material to the transaction at hand; (3) made falsely, with knowledge of its falsity or reckless as to whether it is true or false; (4) with the intent of misleading another into relying on it; (5) justifiable reliance on the misrepresentation; and (6) the resulting injury was proximately caused by the reliance. Thompson v. The Glenmede Trust Co., 2003 WL 1848001 (Pa.Com.Pl. 2003). 7. Defendant's Counter Claim fails to set forth a Prima facia case for fraud. 8. Defendant has failed to state the specific acts or omissions whereby Plaintiff allegedly committed ANY of the transgressions alleged in the Counter Claim. 9. Averments of fraud shall be averred with particularity. Pa.R.C.P. 1019(b). 10. Defendant has failed to allege the specific statutory provisions allegedly violated by the Plaintiff. 11. Defendant has failed to allege any harm suffered as the result of any act or omissions on the part of the Plaintiff. y 12. Defendant has failed to mention the fact that she, herself, applied for, used, and has failed to repay the balance owed on the credit card in question. 13. Defendant's Counterclaim contains a demand for damages, but fails to identify the nature or extent of any actual damages besides having to repay a debt. 14. Defendant's Counterclaim contains a demand for punitive damages, but fails to identify the basis for the award of such damages. 15. Defendant's Counterclaim contains a demand for attorney's fees, but fails to identify the basis for an award of award attorney's fees, nor does Defendant identify the amount of such fees. 16. Defendants' Counterclaim lacks sufficient specificity. Pa. R.C.P. 1028(a)(3). 17. Averments of time, place and special damages shall be specifically stated. Pa. R.C.P. 1019(f). 18. Defendant has failed to state a legal or factual basis to support her allegations that the various charges are somehow illegal in Pennsylvania. 19. Defendant has failed to state exactly what representations Plaintiff allegedly made to Defendant regarding the card and how said representations were conveyed to Defendant from Plaintiff. 20. Defendant has failed to explain why the credit card Defendant applied for had little or no benefits. 21. Defendant has failed to assert a law or statute Plaintiff allegedly violated by not giving Defendant a higher credit limit. Considering Defendant's failure to repay this debt, it appears as though Plaintiff was justified in not extending more credit to Defendant. 22. Defendant has failed to assert a law or statute that makes the contractual relationship between Plaintiff and Defendant unconscionable. 23. Defendant has failed to attach a copy of the alleged misleading credit advertisement and/or application. 24. Pa.R.C.P. 1019(1) requires that when a cause of action is based on a writing, a copy of that writing must be attached to the Complaint. II. -LEGAL INSUFFICIENCY OF A PLEADING (DEMURRER) 25. The averments contained in Paragraph 1 through 25 above, are incorporated herein by reference thereto as though herein set forth at length. 26. Defendant has failed to state a legal or factual basis to support her allegations that Plaintiff has violated Pennsylvania's Unfair Trade Practices And Consumer Protection Law. 27. Defendant has failed to state a legal or factual basis to support their allegations that she is entitled to recover money damages from the Plaintiff. 28. Defendant's Counterclaim fails to state cause of action. Pa. R.C.P. 1028(a)(4). CERTIFICATE OF SERVICE I certify that I served a true and correct copy of Plaintiff's Preliminary abjections to Counterclaim, by First Class Mail, Postage Pre-Paid, on the .3ri day of J H ~ , 2008, upon the following: Deborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 By: Benjam' 'bier, squire ~' :> ~: .~., ~~ !. ~, I1V THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff, No. 07-5313 TYPE OF PLEADING: vs. PLAINTIFF'S PRELIMINARY OBJECTIONS TO COUNTERCLAIM DEBORAH L. GRAHAM, FILED ON BEHALF OF: Defendant. Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire PA I.D.# 93598 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 6047316 r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff, No. 07-5313 TYPE OF PLEADING: vs. PLAINTIFF' S PRELIMINARY OBJECTIONS TO COUNTERCLAIM DEBORAH L. GRAHAM, Defendant. P LAINTIFF' S PRELIMINARY OBJECTIONS TO COUNTERCLAIM AND NOW, comes the Plaintiff, by and through its counsel, Benjamin R Bibler, Esquire and Weltman, Weinberg & Reis, CO., L.P.A., and files the following Preliminary Objections to Counterclaim: 1. Plaintiff initiated the within action on September. 5, 2007, by the filing of a Complaint against the above-named Defendant seeking to recover an unpaid credit card debt. 2. Defendant first filed Preliminary Objections, which were dismissed. 3. Defendant has filed an Answer, New Matter and Counterclaim. I. -FAILURE OF A PLEADING TO CONFORM TO LAW OR RULE OF COURT AND INSUFFICIENT SPECIFICITY IN A PLEADING 4. The averments contained in Paragraphs 1 through 4, above, aze incorporated herein by reference thereto as though herein set forkh at length. 5. Every plaintiff asserting a private cause of action under the UTPCPL must establish the elements of a common law fraud action. Toy v. Metropolitan Life Insurance Co., 2004 Pa.Super. 404, 2004 Pa.Super. LEXIS 3842 (2004). 6. In Pennsylvania, in order to maintain a cause of action for fraud, the plaintiff must allege the following elements: (1) a representation; (2) which is material to the transaction at hand; (3) made falsely, with knowledge of its falsity or reckless as to whether it is true or false; (4) with the intent of misleading another into relying on it; (5) justifiable reliance on the misrepresentation; and (6) the resulting injury was proximately caused by the reliance. Thom son v. The Glenmede Trust Co., 2003 WL 1848001 (Pa.Com.Pl. 2003). 7. Defendant's Counter Claim fails to set forth a Prima facia case for fraud. 8. Defendant has failed to state the specific acts or omissions whereby Plaintiff allegedly committed ANY of the transgressions alleged in the Counter Claim. 9. Averments of fraud shall be averred with particularity. Pa.R.C.P. 1019(b). 10. Defendant has failed to allege the specific statutory provisions allegedly violated by the Plaintiff. 11. Defendant has failed to allege any harm suffered as the result of any act or omissions on the part of the Plaintiff. 12. Defendant has failed to mention the fact that she, herself, applied for, used, and has failed to repay the balance owed on the credit card in question. 13. Defendant's Counterclaim contains a demand for damages, but fails to identify the nature or extent of any actual damages besides having to repay a debt. 14. Defendant's Counterclaim contains a demand for punitive damages, but fails to identify the basis for the award of such damages. 15. Defendant's Counterclaim contains a demand for attorney's fees, but fails to identify the basis for an award of award attorney's fees, nor does Defendant identify the amount of such fees. 16. Defendants' Counterclaim lacks sufficient specificity. Pa. R.C.P. 1028(a)(3). 17. Averments of time, place and special damages shall be specifically stated. Pa. R.C.P. 1019(f). 18. Defendant has failed to state a legal or factual basis to support her allegations that the various charges are somehow illegal in Pennsylvania. 19. Defendant has failed to state exactly what representations Plaintiff allegedly made to Defendant regarding the cazd and how said representations were conveyed to Defendant from Plaintiff. 2Q. Defendant has failed to explain why the credit card Defendant applied for had little or no benefits. 21. Defendant has failed to assert a law or statute Plaintiff allegedly violated by not giving Defendant a higher credit limit. Considering Defendant's failure to repay this debt, it appears as though Plaintiff was justified in not extending more credit to Defendant. 22. Defendant has failed to assert a law or statute that makes the contractual relationship between Plaintiff and Defendant unconscionable. 23. Defendant has failed to attach a copy of the alleged misleading credit advertisement and/or application. 24. Pa.R.C.P. 1019(1) requires that when a cause of action is based on a writing, a copy of that writing must be attached to the Complaint. II. -LEGAL INSUFFICIENCY OF A PLEADING (DEMURRER) 25. The averments contained in Paragraph 1 through 25 above, are incorporated herein by reference thereto as though herein set forth at length. 26. Defendant has failed to state a legal or factual basis to support her allegations that Plaintiff has violated Pennsylvania's Unfair Trade Practices And Consumer Protection Law. 27. Defendant has failed to state a legal or factual basis to support their allegations that she is entitled to recover money damages from the Plaintiff. 28. Defendant's Counterclaim fails to state cause of action. Pa. R.C.P. 1028(a)(4). WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter an order sustaining its Preliminary Objections and dismissing Defendant's Counterclaim with prejudice. Respectfully Submitted: WELTMAN, WEINBERG & REIS, CO., L.P. By: Benjamin i er, Esquire PA I.D. g 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 6047316 CERTIFICATE OF SERVICE I certify that I served a true and correct copy of Plaintiffs Preliminary Objections to Counterclaim, by First Class Mail, Postage Pre-Paid, on the d .~ ~~ day of J ~^ ~ , 2008, upon the following: Deborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 By: Benj 'bier, squire IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff, No. 07-5313 TYPE OF PLEADING: vs. DEBORAH L. GRAHAM, Defendant. ORDER OF COURT AND NOW, this day of , 2008, it is ORDERED, ADJUDGED and DECREED that the Plaintiff s Preliminary Objections filed herein be and hereby are sustained, and it is further ORDERED, ADJUDGED and DECREED that Defendants' Counterclaim be and hereby is dismissed with prejudice. By the Court, J. N ~ ~ ~ `~°' ~'j ~ i ~~ y ~A° ~ ~ f .:..t.Y ,may r ~ k~.~y' t~W TT4V~~. `~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff v. DEBORAH L. GRAHAM, Defendant CIVIL ACTION -LAW N0.07-5313 (JURY TRIAL DEMANDED) MOTION FOR ORDER TO COMPEL ANSWERS TO INTERROGATORIES AND TO PRODUCE DOCUMENTS BY PLAINTIFF Defendant Deborah L. Graham moves this Court pursuant to the Pennsylvania Rules of Civil Procedure 4009 and 4019 for an Orcler compelling plaintiff CAPITAL ONE BANK ("Plaintiff') to answer Defendant's Interrogatories and Request for Production of Documents, and in support of said motion states as follows: 1. This action involves a credit card account collection matter filed by Plaintiff on September 5, 200?. Plaintiff alleges that Defendant "applied" for a credit card account in 2000, but fails to attach a copy of the signed credit application or agreement, even though such document originated from Plaintiff and was returned to Plaintiff as part of the application process. 2. After the dismissal of her preliminary objections, Defendant timely filed her Answer Wrth New Matter and Counterclaims to Plaintiff s Complaint on May 23, 2008. In her pleading, Defendant claims that she was lied to and deceived about the terms of the credit card and as to the benefits she would receive. Defendant's counterclaims spe~cally state, in part, that Capital One Bank acted deceptively and illegally in violation of the Pennsylvania Unfair Trade Practices and Consumer Protection Law and that it engaged in fraud in the execution of the credit card agreement. 3. Also on May 23, 2008 Defendant served counsel for plaintiff with copies of Defendants First Set of /nierrogatoriea Addresseal to P/atntiyf and Defendant's Request for Production of Document. A true and correct copy of defendant's discovery, including certificate of service, is attached hereto in the composite as Exhibit "A". 4. At no time did plaintiff file objections to defendant's discovery requests or file for a protective order with the Court. 5. As of the date of this motion, plaintiff has failed to respond in any fashion to defendant's discovery requests in the form of interrogatories and request to produce documents. 6. Central to a proper and just resolution of the parties' respective claims or defenses is the production of the "advertisement and/or credit card application" that originated from Capital One Bank when it solicited Defendant to open a credit account and that Defendant signed and returned to Capital One Bank when opening the account. Thus, Plaintiff is not only the author of these documents, but also retains possession of this crucial evidence. 7. Defendant's discovery not only requests that CAPITAL ONE BANK produce the original solicitation and "advertisement andlor credit cans application" that originated from and is retained by CAPITAL ONE BANK but also any other document that relates to Plaintiffs claim or to Defendant's defense and counterclaim. 8. 1n violation of the Pennsylvania Rules of Civil Procedure, Plaintiff has not served written responses to Defendant's discovery within the required 30 days. Instead, on July 3, 2008, Capital One Bank filed preliminary objections to Defendant's counterclaim, raising among other things, that "Defendant has failed to attach a copy of the alleged misleading advertisement and/or application." ¶ 23 of Plaintiffs Preliminary Objections to Gounterclaim. 9. By failing to produce the very same documents that it authored and now retains possession of, Plaintiff's boiler-plate, cookie cutter preliminary objections filed on July 3, 2008, is frivolous and has been improperly interposed to stall discovery and to harass Defendant. 10. The credibility of Plaintiff, as well as its dealings with Defendant and its course of conduct in the extension of consumer credit to consumers through its credit card program is crucial to the outcome of the within action. See Capita/ One marketing practices attachment Exhibit "B". l 1. Defendant is entitled to discovery as to any matter that bears on, or that reasonably could lead to other matter that could bear on, any issue that is or may be in the case. 12. tf Defendant's discovery requests are not answered, her ability to proceed in this civil suit will be prejudiced. WHEREFORE, defendant respectfully requests that this Court enter an Order compelling plaintiff to respond fully to defendants' outstanding interrogatories and to produce all requested documents within ten (10) days of the date of said Order, under penalty of further sanctions pursuant to Pa.R.C.P. 4019. Dated: Respectfully submitted, Deborah Graham 902 Altenview Drive Mechanicsburg, PA 17055 Pro Se Defendant CERTIFICATE OF SERVICE I, Deborah L. Graham, hereby certify that on ~ I served true and correct cries of the foregoing Motion for Order to Compel Answers to Interrogatories and Production of Documents by Plaintiff and proposed Order by United States first class mail, postage pn~paid, on counsel for plaintiff, as follows: Benjamin R. Bibler, Esquire Weltman, Weinberg ~ Reis 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 Deborah L. Graham IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff v. DEBORAH L. GRAI~[AM, Defendant CIVIL ACTION -LAW NO.O'1-5313 (JURY TRIAL DEMANDED) DEFENDANT'S FIRST SET OF INTERROGATORIES ADDRESSED TO PLAINTIFF Defendant requests-that Plaintiff answer under oath the following interrogatories within thirty days of service in accordance with Pa. R.C.P. No. 4005 and 4006. These interrogatories are deemed to be continuing to the extent provided in Pa. R.C.P. No. 4007.4: I. INSTRUCTIONS AND DEFINITIONS Please follow these instructions and use. the following definitions in answering these interrogatories. Any term or work, which is not defined herein, has its usual and customary meaning. a. Each of the following interrogatories shall be answered separately and fully in writing. The answers shall be signed and verified by the person making them. Objections, if any, shall be signed by the attorney making them. b. Where knowledge or information in possession of a party is requested, such request includes knowledge of the party's agents, employees, servants, officers, directors, accountants, attorneys (unless privileged), or other persons acting or purporting to act on behalf of the party to whom these interrogatories are addressed. You must make inquiries of your agents, employees, etc., whenever such inquiry is necessary to enable you to answer these interrogatories completely and accurately. c. When, after a reasonable and thorough investigation, you are unable to answer any interrogatory, or any part thereof, because of lack of information available to you, specify in full and complete detail the reason the information is not available to you and what has been done to locate such information. In addition, specify what knowledge or belief you have concerning the unanswered portion of the interrogatory and set forth the facts upon which such knowledge or belief is based. d. Where an interrogatory does not specifically request a particular fact, but where such fact or facts aze necessary to make the answer to the interrogatory either comprehensible, or complete, or not misleading, you aze requested to include such fact or facts as part of the answer, and the interrogatory shall be deemed specifically to request such fact or facts. e. If, in answering these interrogatories, you encounter any ambiguity, in a question, instruction, or definition, set forth the matter deemed ambiguous and the interpretation you used in answering. f. If you assert a privilege, work product immunity, or decline to provide an answer on the basis of some other objection, please: i. identify and describe the document or communication in question; ii. describe the basis for the asserted privilege or objection; iii. identify every person to whom the document was sent, or every person present when the communication was made; iv. identify the present custodian of the document, if any. Include sufficient facts for the court to make a full determination of whether the claim or objection is valid. g. Unless otherwise indicated, these interrogatories refer to the time, places and circumstances of the occurrences mentioned or complained of in plaintiff s complaint. h. The pronoun "you" refers to the party to whom these interrogatories aze addressed, the party's agents, representatives and, unless privileged, the party's attorneys. Additionally, the pronoun "you" refers to each pazent, predecessor, subsidiary, affiliate, and each present and former officer, employee, agent, representative, and attorney of a corporate or other business entity. i. The word "person" means any natural individual in any capacity whatsoever or any entity or organization, including divisions, department, or other units therein, and shall include without limitation a public or private corporation, partnership, joint venture, voluntary unincorporated association, organization, proprietorship, trust, state, government agency, commission, bureau, or department. j. The term "document" means any medium in which information or intelligence can be recorded or retrieved, and includes, without limitation, the original or copy, regardless of origin and location, of any book, pamphlet, periodical, letter memorandum, (including any memorandum or report of a meeting or conversation), invoice, bill, order, form, receipt, financial statement, accounting entry, diary, calendaz, telex, telegram, cable, report, record; contract, study, handwritten note, draft, working paper, chart, paper, print, laboratory record, drawing sketch, graph, index, list, tape, photograph, microfilm, data sheet, or data processing card, or any other written, recorded, transcribed, punched, taped, filmed, or graphic matter, however produced or reproduced, which is or was in your possession, custody, or control. k. The term "communication" means any oral or written utterance, notation, or statement of any nature whatsoever between or among two or more persons, by or to whomsoever made, and including without limitation correspondence, documents, conversations, dialogues, discussions, interviews, consultations, agreements, and other understandings. 1. A request to identify a document is a request to state as applicable: i. .The date of the document; ii. The type of document; iii. The names and present addresses of the person or persons who prepazed the document and of the signers and addressers of the document; iv. The name of the employer or principal whom the signers, addressers and preparers were representing; v. The present location of the document; vi. The Warne and current business and home addresses of the present custodians of the original document, and any copies of it; vii. A swnmazy of the contents of the document; and viii. If the original document was destroyed, the date and reason for or circumstances under which. it was destroyed. m. When an interrogatory requires you to "describe," to "state the basis of," or to "state the facts" on which you rely to support a particular claim, contention, or allegation, state in your answer each and every fact and identify each and every commutrication or document which you contend supports, refers to, or evidences such claim, contention, or allegation. When an interrogatory requires you otherwise to describe or state the facts relating to any particular set of circumstances, act, event, transaction, occurrence, meeting, agreement, contract, venture, relationship, conversation, representation, communication, or other item of information, state briefly in your answer the facts (including dates and places) relating to such transaction, occurrence, relationship, set of circumstances, etc.; identify any persons who aze or were parties thereto or have knowledge thereof; and identify any communications and documents relating to or evidencing such transaction, occurrence, relationship, set of circumstances, etc. INTERROGATORIES l . Identify each person participating in the preparation of the answers to these interrogatories by stating the complete name, position or title, business and residential address of each person or persons and indicate the subject matter with respect to which he or she provided answers. ANSWER: 2. (a). State the correct legal name of your organization and its affiliation, if any, with any person or debt collector(s) you contacted to attempt to collect the debt alleged in the complaint; and (b). State the form of your organization and the date and place it was organized and whether it is registered and/or licensed to do business in Pennsylvania. ANSWER: 3. State with particularity all documents, including but not limited to advertisements, brochures, application forms and unsolicited offers of credit, that you sent the defendant as part of the credit transaction alleged in your complaint. Identify any persons who participated in sending the documents or communicating with the defendant. ANSWER: 4. Identify every document containing any relevant facts to the complaint in this adversary proceeding and state with particularity what particular relevant facts each such document contains. ANSWER: S. Identify any credit policies, which you maintain were violated by the defendant in connection with use of her account. State how such policies were communicated to the defendant and identify any documents by which such policies were communicated. ANSWER: 6. Identify your policies concerning decisions about the credit-worthiness of account holders and state with particularity how they were applied to the defendant and in approving her for a credit card. ANSWER: 7. Identify all of your employees who you claim had personal contact with the defendant at any time in connection with her accounts. ANSWER: S. Identify all persons who you claim have knowledge of the facts alleged in your complaint stating their name, address, telephone number, occupation, title, and a brief statement of the information that you claim that they have. ANSWER: 9. How much were plaintiff s net profits from its credit card operations in each of the last four yeazs? ANSWER: 10. How many unsolicited credit card offers did plaintiff mail in each of the last four yeazs? ANSWER: 11. State the name and address of each witness-.you intend to call at trial of this matter and describe the substance of their testimony. ANSWER: 12. With regazd to the "Verification" attached to Plaintiffs Complaint, identify and describe the information supplied by Capital One Bank to Benjamin R. Bibler, Esquire. who signed the verification, which forms the basis of the statements contained in Plaintiffs Amended Complaint and with respect to each item supplied: (a) the date or dates upon which you supplied it to said attorney; (b) whether such information was given orally, in writing or otherwise; (c) identify each and every individual with information or knowledge relating. to your answer herein; (d) identify each and every document that was used to supply the information.. As to each such document, identify those facts to which each document refers or relates and annex hereto a copy of each document. ANSWER: 13. List all exhibits Plaintiff proposes to introduce at trial. ANSWER: 14. For each person who has had any involvement in any manner in any efforts on your behalf to collect or attempt to collect any debt purportedly owing by Defendant, state his/her name, position, home and work addresses and telephone numbers, and the nature and purpose of his/her involvement; describe each. action taken, the nature, contents and subject matter of each discussion or conversation held, and the time, place and the date of each such action or conversation; and identify all documents relevant, related to or reflecting said involvement of each such person. ANSWER: 15. Identify all persons known to you who have knowledge of facts relevant to this case, including but not limited to all persons interviewed by you, by your counsel, or by any person cooperating with you in the prosecution of this action, and state the subject matter of testimony, giving a brief description thereof, for each person you may call as a .witness in this case. If you intend to qualify any of these witnesses as experts, please so indicate, giving their areas of expertise, their credentials as experts, the substance of the facts and opinions to which the expert is expected to testify, and a summary of the grounds -for each opinion. ANSWER: 16. Please describe your procedure and policy with respect to the maintenance, preservation, and destruction of documents, stating in your answer whether any documents or things relating to any information requested in these interrogatories, or related in any way to this lawsuit, have ever been destroyed or are no longer in your custody. For each such document, please identify the document, how, when and why each document was destroyed or otherwise left your control, the identity of any person who participated in any way in the destruction and/or action for destroying the document or to transfer it out of your control or custody; and if the document still exists, identify the person now having control or custody of the document. ANSWER: 17. Iderrtify by agency, investigation number, caption, court, civil action number and result all administrative complaints and all litigation filed against you alleging violations of the Pennsylvania Unfair Trade Practices and Consumer Protection Law, 73. P.S. Section 201-1 et seq. (hereinafter "CPL"), identifying in your response each action in which you have been alleged to have violated the CPL and stating the court's disposition as to each allegation. ANSWER: 18. List and explain all abbreviations and code words, letters, numerals, or symbols regulazly used by you in your records of collection activities against the Defendant. ANSWER: o. 5~y~~~ __---f e Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant Pro se r _t IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff v. DEBORAH L. GRAHAM, Defendant CIVIL ACTION -LAW N0.07-5313 (JURY TRIAL DEMANDED) DEFENDANTS' REQUEST FOR PRODUCTION OF DOCUMENTS ADDRESSED TO PLAINTIFF Pursuant to Pa. R. Civ. P. 4009, defendants request that plaintiff produce the following documents for inspection and copying within 30 days, at Defendant's residence, 902 Allenview Drive, Mechanicsburg, Pennsylvania 1'7055, or forwazd correct copies thereof to the undersigned at her residence listed above within thirty days after service of this request. DEFINITIONS The following definitions aze applicable. to and incorporated by reference into each request: (A) The terms "you" and "your" refer to you Capital One Bank and any of your representatives. (B) The term "person" means any natural person, partnership, corporation or other business entity and all present and former officers, directors, agents, employees, partners, venturers, owners, attorneys and other acting or purporting to act on behalf of such natural person, partnership, corporation or other business entity. (C) The term "representative" means any past or present member, officer, directar, employee, attorney, agent, or other person or entity which has acted on any person's behalf. (D) The term "document" means any original, written, typewritten, handwritten, printed or recorded material, and any tapes or disks and copies or transcripts thereof, now or at any time in your possession, custody or control; without limiting the generality of the foregoing definition, but for purposes of illustration, "document" includes any letter, memorandum, note, log book, note book, contract, agreement, workpaper, audit paper, spread sheet, study, report, record, calendaz, notice, deposition, minutes of meetings of boazd of directors or of shareholders of a corporation, job minutes, program, computation, accounting sheet, workpad, diary, legal opinion, message, telegram, brochure, computer printout, invoice, billing, graph, projection, financial statement, balance sheet, journal entry, confirmation, photograph, blueprint, azchitectural drawing, advice or other items, whether in manuscript, handwritten, typewritten, printed, electronic, magnetic or other forms of recordation of any kind, and whether in original or in copy form. (E) The term "communication" includes, but is not Limited to, all inquiries, discussions, conversations, negotiations, agreements, understandings, meetings, conferences, interviews, telephone conversations, correspondence, notes, minutes, memoranda, telegrams, telexes, advertisements or other forms of oral or written intercourse, however transmitted. {F) The term "relates to" means constitutes, refers, reflects, concerns, pertains to, or in any way logically or factually connects with the matter described. RULES OF CONSTRUCTION In construing these Requests: (A) The singulaz shall include the plural and plural shall include the singulaz. (B) A masculine, feminine or neuter pronoun shall not exclude the other genders. (C) Unless otherwise specified in the Request, each Request shall extend to all information and documents which have been available to you, in your possession or subject to your control up to the date of your response to these Request. This paragraph does not limit your duty to supplement your responses. INSTRUCTIONS A. All original and non-identical copies of each responsive document shall be produced. B. Any document withheld under a claim of privilege shall be identified by its: (1) author; (2) addressee; (3) copy recipient; (4) type of document; (5) subject matter; (6) date; (7) file source; (8) type of privilege claimed; (9) the position and capacity of each person named in (1), (2) or (3) above; and (10) the facts on which you rely to support the claim of privilege. ?lie jollowireg designated items for discovery and production pertain to the subject credit card account issued by Capital One BanJt; as alleged by Plaintiff in its Amended Coneplatnt against Defendant DOCUMENTS TO BE PRODUCED 1. Any and all documents and things, omitting nothing therefrom, that are identified or sought to be identified in or that relate in any manner whatsoever to or are referred to in your answers to the foregoing Defendant's First Set of First Interrogatories, indicating with respect to each document the Interrogatory to which it is responsive. RESPONSE: 2. The signed documents by and under which Plaintiff issued a credit card account for which it is suing the Defendant in this action. RESPONSE: 3. Any and all applications for credit, omitting nothing there from, made by or on behalf of the Defendant to Capital One Bank. RESPONSE: 4. Any and all charge slips, omitting nothing there from, whether or not signed or alleged to have been signed by the Defendant, that relate in any way to transactions that you allege aze part of the balance sued for under the alleged account with Capital One Bank that is referred to in Paragraphs 3 and 4 of your Amended Complaint. RESPONSE: 5. Any and all documents, omitting nothing there from, whether or not signed or alleged to have been signed by the Defendant, that relate in any way to addition of interest rate of 28.240% per annum that you allege you aze entitled to and that is referred to in Paragraph 6 of your Amended Complaint. RESPONSE: b. Any and all correspondence between Capital One Bank and the Defendant, omitting nothing there from, related in any way to Paragraph 7 of your Amended Complaint, which alleges that you repeatedly requested Defendant to pay the amounts requested. RESPONSE: 7. Any and all correspondence between the Plaintiff and Capital One Bank, omitting nothing there from, related in any way to the alleged account with Capital One Bank that is referred to in Paragraph 3 of your Amended Complaint, or to the account sued on in general. RESPONSE: 8. Each and every document or writing you intend to use at the trial of this case. RESPONSE: 9. All writings or documents pertaining to the averments in Plaintiffs Amended Complaint. RESPONSE: 10. The original file, and any and all documents, including, but not limited to, the original file, original file folder, all computer records, computer printouts, all memoranda, statements, letters, notations, reports, reports of telephone tails, records of all calls, ledger cazds, account cazds, or other written memoranda, all communications, tape recordings, electronic recordings, transcripts of all tape recordings, in Plaintiff's file relating to an alleged account of Defendant. RESPONSE: 11. Please provide a list of each and every person who spoke with, called or contacted Defendant, or was called with reference to the Defendant's alleged account, including the names, all assumed names or aliases, addresses, and home and business phone numbers, the dates they called, the reasons for such call or contact, and what specifically they said to Defendant. State the entire, full, total conversation. RESPONSE: 12. Copies of the entire and complete investigation as to Defendant's account indebtedness and any responsibility the Defendant may have on the account. RESPONSE: 13. Copies of any and all reports or communications made by the Plaintiff to any other person or entity concerning the account. of Defendant, and/or the credit history or payment history of Defendant. RESPONSE: o,~~: ~~3 )C 6 'I 902 Allenview Drive Mechanicsburg, PA 17055 Defendant, Pro se N ~ ~ CERTIFICATE OF SERVICE "''T` ~ ~~-~ :.:~ r --~ .~`: ~ Cri ~ I HEREBY CERTIFY that a true and correct copy of the for~g~tng ~, Defendants Interrogatories and Request-for Production of Documents Add ~ o Plaintiff was furnished by U.S..Mail, first class, postage prepaid on thi y of -~--- ~ , 2008, to: Benjamin R. Bibler, Esquire WELTMAN WEINBERG 8~ REISS CO., L.P. 2718 Koppers Building 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plaintiff Dated ~ ~ _. e rah Graham Defendant °., ~"i "-.1 -~- E"t'~ -t^ t~ ,,y ":iii -..r _- C ~ m ~~' Risrm~4.4ss4 » » Consumers Complain: Hands OR, Capital One! Consumers Complain: Hands Off, Capital One! h'ligy 1, 2'007. 3V knrte i3orden ®~ ~~yd.fdo.us ~SeedNewsvme Rkhmond, VA: The Better Business Bureau has processed a total of 6,183 complaints about Capkal On• in the last 36 months. It reports numerous claims from consumers, including: • Claims alleging print Or electronic media advertised claims or practices misrepresent the service or product offer; and • Claims of failure to disCbse key conditions of the offer, and verbal representations not consistent with written contractual terms or agreement. .~ `JM i+r .~ Christmas Promorion fisclAlres Capital One is facing a host of consumer complaints and pending legal action over it pre-Christmas flurry of blank checks to cardholders. The promotion promised a starting rote of 5.99% fixed APR; and that after October 2007 the rate would drop to a 4.99% fixed APR. What Capital One did not tell wnsumers was that any purchases made with the blank checks would automatically be paid off first. This goes against the industry's "last in-first out" payment standard, where the last purchase made on a credit card is typically the first purchase paid off. -~ ,_ w i- or vroowms This is not the first time that Capital One has handed in hot water. In 2005, the Attomey General of West Virginia Darrell MoGraw flied suits to enforce subpoenas given to Capital One. Bade in December 2004, The Attorney General of Minnesota filed a civil suR in District Court alleging that Capital One has vkllated Minnesom consumer protection laws by using false, deceptive and misleading advertising to market credR cards with allegedly "kiw" and "fixed" Interest rates that will never increase. Capital One has also come under fire for reporting practices that damage a consumer's credit rating. Consumer Acoourtts One customer, "Adam; had this to say about the blank check promotion: "My balance from these check transactions accrued interest d-arges much higher than I anticipated. My balance of;374 and payment of #35 shot up to almost #500 and payment of #65.00. I hurried up and paid them off once I called customer service and was told just how the blank check promotion worked." "The 'fixed' rate of my Capitol One Credit Card [rose] without warning," said "James" from California: "The damages that I suffered are a significantly higher interest rate on my balances: a 5.0% increase) `Mark" of Georgia was worried about his credit rating as a result of dealings with Capital One: "[Capital One's] not reporting Credft limits as they are required to do under the FCRA has caused my wife and I to pay more for credit, because our credit scores were lowered by Experian, Trans Union, and Equifax." The Roe Print Savvy consumers know that when it comes to credit cards, It's crucial to read the floe print. But what If there's no fine print that explains your sudden jump in Interest? A5 in the Capital One situation, that's when consumer complaints and lawsuits rear their heads. The Federal Reserve has started a major review of credit card disclosures and, in January, the Senate Banking Committee held a heae•tg on faimsss des in credR card teAns. The: [sMlrassenr• Is currently developing new requlrem~tt for companies to disclose varkws payment and fee scfieduiea, lawmakers and exeu+tives said. Democrat Carl LevM, the Senate panel's chalr-nan, saki legislation may be needed to stop lsAat he tailed predatory prate by credit cards. `Our InvestfgsUon found that even account in good standing are socked unfaky by Iltde known practices that inflate Interest dtarges,' Levin told the Senate Banking Comrilstee. Gpitisi One Credit Cards Legal Help If you have suffered damages from Capital One Credit Cards not properly disclosing payment terms for their 2006 Christmas season blank check promotional offer, please contact a (Capital One Credit Cards] lawyer who will evaluate your claim at no charge. ^ Home ^ uwysro, elicit hen to adwrtkis. Lawsuits: ^ In the News services: ^ Free Newskstters ^ Email this Pegs to a Friend ~~ ~il~~ ! CLICK frif±ttf8 ~ L` ~ y ./w" ~ I t ~ ~/ Product Liability Lawyers Product Liability New York Lawyers Product Liability QUQte Flnd Out If You Have a Case. No legal Fees Discuss your Product Liability rase with an Check Out New York Lawyers Solutions Complete one applkatlon Ior quotes from B Unless You Sucoaed. Injury lawyer now. Free. From A Trusted Source. kesding inwranee carriers. Personal-Injury-Group.com www.InjuryHelpLineAttorney.com www.ewoss.cc products-liability-insurance.com MSNBC.com Capital ~Jne sued over marketing practices Minnesota AG says 'fixed rate' ads are misleading By Bob auNivan Technology correspondent MSNBC updabd: 4:40 p.m. ETJen. 3, 2005 The Minnesota state attorney general's office has sued one of the nation's largest credit card issuers, daiming it is misleading consumers with promises of "fixed" interest rates, then hiking their rates as much as 400 percent. Capital One and its subsidiaries are using bait-and-switch sales tactics, according to Attorney General Mike Hatch. While the firm markets credit cards as having the nation's lowest "fixed rates," rates can and often do change, the lawsuit alleges. In fact, 40 percent of Minnesota residents who've signed up with a Capital One Wrd thinking their rate is fixed have hit a "tripwire," causing an overnight rate hike, Hatch said. "(They are) changing the English language," he said. "Fixed rates don't mean fixed at all." A Capital One spokesperson said the firm couldn't comment on the litigation, but offered a general statement. "Capital One has cooperated fully with the investigation and believes it has acted properly and in full compliance with the law," said Tatiana Stead. "We regret the attorney general has chosen to proceed with the lawsuit, but we intend to continue to cooperate with (his) office." Capital One's well-known "no-hassle card" television advertisements feature crowds of assaulting Vikings, representing high-interest rates chasing after consumers as they are about to make a credit card purchase. The lawsuit says the TV ads are "simply false." It also claims other Capital One marketing tools, such as direct mail solidtations, break Minnesota's laws prohibiting false advertising, consumer fraud and deceptive trade practices. The lawsuit seeks an end to the marketing practices, and a return of any profits the firm has garnered as a result of misleading advertisements. People surprised by 'penalty rates' Consumers are often surprised by the tripwires that can trigger a "penalty rate," Hatch said. The lawsuit daims such tripwires are myriad, and are only mentioned in small print that appears for a few seconds on television advertisements, or at the bottom of direct mail solidtations, Late payments to Capital One - or other creditors -can trigger a chain of events that lead to rate increases, he said. "Capital One aggressively markets its brand image as the credit card company with the nation's lowest fixed rates," Hatch said. "But that image is false. If you do something as simple as pay a day late, your rate with Capital One can skyrocket overnight." The firms' credit card business is booming. According to its most recent SEC filings, Capital One's domestic credit card loans totaled $46.1 billion as of Sept. 30, 2004 -earning the firm a quarteHy income of $414.4 million, a 50 percent increase from the same period in 2003. Capital One spent $827 million on marketing from January through September of this year, and claims it has 46 million customers. According to the lawsuit, Zimmerman, Minn. resident Nicole Bourgeois signed up for a Capital One card in July 2003 after seeing a TV ad. She directly asked if her 4.9 percent rate would stay the same for the life of the card, and was told it would. In March 2004, she was notified that her rate had jumped to 14 percent. Bourgeois contends she always paid her bills on time. Another consumer, Robert Stein of Walker, Minn. said his rate went from 4.99 to 6.99 because he made one payment that was two days late. Evasive telemarketers The firms' marketing tactics are intentionally misleading, Hatch said. In one direct mail solicitation, Capital One describes its 4.99 percent interest rate as "low" 13 times and as "fixed" 17 times. Then, when consumers contact Capital One to apply for the card, Capital One telemarketers are prepared with scripts designed to evade a direct response to the question "What does fixed mean?" In one script, phone operators are told to answer, "Unlike most credit card companies, Capital One's fixed rate is not variable and will not go up and down as interest rates change." "Only if a consumer 'probes' another two times does Capital One concede that it cannot guarantee that its rates will stay the same forever," according to the attorney general's office. In fact, consumers who qualify fora 4.99 percent interest rate can end up with a 20 percent "penalty rate," according to the lawsuit. Other consumers with higher initial rates can see penalty rates of up to 26 percent. Such increases apply to the consumer's entire balance, even if earlier purchases were made when the consumer believed a lower rate applied. Other rate-hike practices irk consumer adlvocates Another Minnesota resident, Patsy Trusty, complained to Hatch's office that her credit limit was lowered by Capital One without prior notification, and as a result, she was hit by late fees and ultimately a higher interest rate. The limit was lowered because her credit score had dropped, according to the lawsuit. The controversial tactic is called "universal default" by credit card issuers. Credit card firms pull consumer credit reports as often as once a month to see if there's a late payment or other event that lowers a consumer's credit score. According to the industry, any late payment -even to an unrelated creditor, such as an auto loan issuer - makes a consumer a higher risk, and gives the credit card issuer the right to raise interest rates. Credit bureaus have specific products designed to catch consumers who are late with any bill. The practice irks consumer advocates, who think late payment to one lender shouldn't impact interest rates charged by another -and believe the practice is simply designed to give credit card firms an excuse to raise rates. "Consumers don't realize that there's no such thing as a truly fixed rate anymore," said Liz Putnam Weston, personal finance columnist for MSN.com and author of the recently-released Your Credit Score. "They discover the truth when they get a statement and find their rate has skyrocketed. Sometimes the rate hike resulted from something they did, like sending a payment in late, but other times it's because the credit card company simply changes its policy." Capital One's Stead said that while universal default is a standard industry practice, Capital One doesn't engage in it. She said the firm does not raise interest rates based on consumer payments to other lenders. But Hatch said the firm does lower credit limits based on lower credit scores, which can result in effectively the same thing -and the practice isn't fair. "It's a misrepresentation," he said. "People are not aware you can adversely effect your relationship with one lender because of a transaction with an unrelated party." Robert Manning, author of "Credit Card Nation" and a frequent critic of the industry, said consumers are often at the mercy of lenders, which give themselves the right to change the terms of their member agreements at any time. "The contracts are one-sided. The consumer has to honor whatever the industry offers, but industry doesn't have to offer anything in return," Manning said. Manning said consumers should be given a 60 to 90 day grace period before interest rates are raised so they have a change to either pay off the debt or shop for a better rate from another lender. Consumers should also be told what they have to do to get back to their original low rate. "I have yet to see a single credit card (issuer) do that," he said. Not a level playing field While Capital One couldn't comment on Stead's case, the firm maintains any interest rate increase is solely the result of consumer payment history with Capital One. Either way, any rate increases to so-called "fixed rates" is unfair to both consumers and other lenders, Hatch said. Lenders must compete for business based on interest rates. Allowing firms to misrepresent low rates as fixed rates is unfair to firms that offer true fixed rates, Hatch said. Hatch's office is investigating other credit card issuer marketing practices, he said. "It's not a level playing field," he said. "There's tremendous incentive for bankers to engage in this kind of practice." ® 2005 MSNBC Interactive URL: http;.//www.msnbc.msn.com/icl/6781155/ N ~ G .~ ~ ~ ' ~+~' .,"$Y ~ ~ - .....~ ~-r a . ,} ~ L ~Y~ r,~ CAPTIAL ONE BANK, IN THE COURT OF COMMON PLEAS OF Plaintiff :CUMBERLAND COUNTY, PENNSYLVANIA V. DEBORAH L. GRAHAM, Defendant NO. 07-5313 CIVIL ORDER OF COURT AND NOW, this 18~' day of July, 2008, upon consideration of the Defendant's Motion to Compel Answers to Interrogatories and to Produce Documents, IT IS HEREBY ORDERED AND DIRECTED that: 1. A Rule is issued upon the Plaintiff to show cause why the relief requested should not be granted; 2. The Plaintiff will file an answer on or before August 7, 2008; 3. The Prothonotary is directed to forward said Answer to this Court 4. If no answer to the Rule to Show cause is filed by the required date, the relief requested by Defendant shall be granted upon the Court's receipt of a Motion requesting Rule be made Absolute. If the Plaintiff fifes an answer to this Rule to Show Cause, the Court will determine if a hearing, status conference or further Order of Court is required. " Benjamin R. Bibler, Esquire Attorney for Plaintiff /Deborah Graham Defendant bas , ~aP~ ~.s rn~~ 7~~S~GB ~~ By the Court, M. L. Ebert, Jr., J. ~fi' J i '! ~~~ ~~ ~ ~ ~~ ~~~4 ~'t~.LC~t.~~; ~i.~~c~ ~ht 3G ~~t~~s.~~~13~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DMSION CAPITAL ONE BANK, Plaintiff, vs. Case No.: 07-5313 TYPE OF PLEADING: REPLY TO NEW MATTER DEBORAH L. GRAHAM, FILED ON BEHALF OF: Defendant. Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, ESQUIRE PA I.D.#93598 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 06047316 r 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, Case No.: 07-5313 TYPE OF PLEADING: vs. REPLY TO NEW MATTER DEBORAH L. GRAHAM, Defendant. REPLY TO NEW MATTER AND NOW COMES, Plaintiff, by and through its Counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Reply to Defendant's New Matter in the above-referenced matter. In support thereof, Plaintiff avers as follows: 8. Admitted. 9. Admitted. 10. Denied as a conclusion of law to which no response is required. 11. Denied as a conclusion of law to which no response is required. By way of further response, Defendant would have qualified for whatever credit limit was appropriate at the time the credit card was issued, which was over eight years ago. 12. Denied. Defendant was clearly aware that any outlined credit limit was a maximum or "up to" credit limit, as she herself states in Paragraph 11 of Defendant's New Matter. 13. Denied as a conclusion of law to which no response is required. 14. Denied as a conclusion of law to which no response is required. By way of further response, Plaintiff followed all appropriate Federal Guidelines in effect when the card was issued. 15. Denied as a conclusion of law to which no response is required. By way of further response, Plaintiff followed all appropriate Federal Guidelines in effect when the card was issued. 16. Denied as a conclusion of law to which no response is required. By way of further response, Plaintiff followed all appropriate Federal Guidelines in effect when the card was issued. 17. Denied. Defendant has had this account for approximately eight years and only now sets forth these alleged complaints. 18. Denied. In the normal course of operation some transactions are approved before it can be determined that Cardmembers will be over their credit limit. 19. Defendant admits that Plaintiff tried to correct any billing inaccuracy. Defendant further admits that, though she was aware of Plaintiff's policies, she continued to use the credit card over and over again. 19. Denied as a conclusion of law to which no response is required. 20. Denied as a conclusion of law to which no response is required. 21. Denied as a conclusion of law to which no response is required. 22. Denied as a conclusion of law to which no response is required. By way of further response, interest does not cease to accumulate because Defendant decides to close her account and not pay her debt. 23. Denied as a conclusion of law to which no response is required. 24. Denied as a conclusion of law to which no response is required. By way of further Response, Plaintiff mails all credit cards with the corresponding Cardmember Agreement. Defendant had the choice to use the card and accept the terms of the Agreement or to not use the card and not accept the terms of the Agreement. Defendant chose the former, and now, eight years later, is defending her failure to pay her debt by hurling baseless allegations at the Plaintiff. 25. Denied as a conclusion of law to which no response is required. WHEREFORE, Plaintiff respectfully demands that Judgment be entered in its favor and against Defendant for the full amount claimed in Plaintiff s Complaint. Respectfully Submitted: WELTM~.Di-~EINBF&~ B~S,~CO., L.P.A. By: PA LD.#~3~ Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 06047316 CERTIFICATE OF SERVICE A true and correct copy of said Plaintiffls Reply to New Matter has been served by First Class Mail, Postage Pre-Paid, on the ~ day of 1A~~ 2008, upon the following: Deborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 By: C'3 ^~ ('T j ~'r r w. ~ ~~ {fi - ~ ~ ..: ~,` '. . < ~ - (" . .~ ~.. r~ .:. y ...~ _r ~~ , ~~ ~ iy~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff, vs. No. 07-5313 TYPE OF PLEADING: PLAINTIFF' S RESPONSE TO DEFENDANA T' S MOTION TO COMPEL DEBORAH L. GRAHAM, Defendant. FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire PA I.D.# 93598 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 6047316 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff, No. 07-5313 TYPE OF PLEADING: vs. PLAINTIFF'S RESPONSE TO DEFENDANT' S MOTION TO COMPEL DEBORAH L. GRAHAM, Defendant. PLAINTIFF'S RESPONSE TO DEFENDANT'S MOTION TO COMPEL AND NOW, comes the Plaintiff, by and through its counsel, Benjamin R Bibler, Esquire and Weltman, Weinberg & Reis, CO., L.P.A., and files the following Response. 1. Admitted in Part, Denied in Part. Denied that a "document" is required to apply for a credit card. Credit Cards are applied for via telephone and the Internet on a daily basis. Additionally, either party can initiate the process. 2. Defendant's Complaint speaks for itself. Defendant used this credit card for 6 years, as evidenced by the statements attached to the Complaint. Only now, when Plaintiff tries to recover the unpaid charges, does Defendant raise these baseless allegations. 3. Admitted. 4. Denied. In the interest of Judicial economy, Plaintiff informed Defendant that it objected to her discovery requests until such time as this Honorable Court has a chance to hear arguments on Plaintiff's Preliminary Objections to Defendant's Counterclaim. A true and correct copy of Plaintiff's Cover letter is attached hereto as Exhibit "A" and made a part hereof. 5. Denied. Plaintiff objected to the Discovery requests as being outside the scope of review at this time. 6. Denied. Defendant doesn't know what issues are "central" to her claim. She has offered no information or documentation to support any of her allegations against Plaintiff. This credit card account was opened over 8 years ago. Defendant filed a Counterclaim without any evidence or even a description of the missing "advertisement and/or credit card application" that allegedly infringed her rights once Capital One requested her to repay her debt. 7. Admitted in that Defendant requests any document which might have her claim. 8. Denied. Plaintiff has objected to Defendant's requests. Defendant's Counterclaim must stand on its own. Defendant cannot go on a "fishing expedition" to try to find advertisements sent to randomly selected recipients over 8 years ago. Defendant received a copy of the "advertisements." Defendant received a copy of the Cardholder agreement and the monthly statements, yet still objected to its Complaint against Defendant until Plaintiff provided over 6 years of statements and the cardholder agreement. Defendant has not provided a single document or a description of the alleged illegal terms of a document. Plaintiff's Preliminary Objections to Defendant's Counterclaim will help define the scope of review for Defendant's Discovery Requests. 9. Denied. It is not Plaintiff s responsibility to provide supporting documents for Defendant's Counterclaim. The Counterclaim must stand on its own. By way of further Answer, Defendant also requests information about Plaintiff's Net Profits, internal policies, and information concerning OTHER cardholder's accounts. 10. Denied. Plaintiff s credibility is not at issue here. Defendant's refusal to repay her debt is at issue. By way of further Answer, Defendant also requests information about Plaintiffs Net Profits, internal policies, and information concerning OTHER cardholder's accounts. 11. Denied. Defendant filed a legally deficient Complaint. Defendant objected to the same deficiencies when Plaintiff filed its Complaint without providing supporting documentation. Plaintiff was not allowed to assert that since Defendant received monthly statements from the year 2000-2006, Plaintiff did not need to provide supporting documentation. Defendant wants 1 standard for herself and a different standard for everyone else. 12. Denied. Defendant filed a legally deficient Complaint. Defendant objected to the same deficiencies when Plaintiff filed its Complaint without providing supporting documentation. Plaintiff was not allowed to assert that since Defendant received monthly statements from the year 2000-2006, Plaintiff did not need to provide supporting documentation. Defendant wants 1 standard for herself and a different standard for everyone else. WHEREFORE, Plaintiff respectfully requests that this Honorable Court deny Defendant's Motion to Compel until after Plaintiff's Preliminary Objections to the Counterclaim can be decided. Respectfully Submitted: WELTMAN, WEINBERG & REIS, CO., L.P~~ By: Benjami Bib r, squire PA I.D. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR #6047316 WELTMAN WEINBERG & REIS CO. L.P.A. BURLINGTON, NJ > > 609.914.0437 ATTORNEYS AT LAW CHICAGO, IL 2718 Koppers Building 847.940.9812 436 Seventh Avenue CINCINNATI, OH Pittsburgh, Pennsylvania 15219 513.723.2200 412.434.7955 www.weltman.com CLEVELAND, OH 216.685.1000 COLUMBUS, OH BENJAMIN R. BIBLER 614.228.7272 Attorney at Law DETROIT, MI 412.434.7955 248.362.6100 Fax 412.434.7959 PHILADELPHIA, PA bbibler@weltman.com 215.599.1500 July 1, 2008 Deborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Re: Capital One Bank vs. Deborah Graham Docket No. 07-5313 WWR#: 6047316 Dear Ms. Graham Enclosed please find Plaintiff's Preliminary Objections to your Counterclaim. Naturally, until the issues presented in my Client's Preliminary Objections are resolved, my client will not be able to Answer your discovery requests. If those issues are resolved in your Client's favor, I will immediately forward your discovery requests to my Client to formulate a proper response. However, until that time, Please allow this letter to act an Objection to all your discovery requests as being outside the scope of permissible discovery. Please contact me with any questions or concerns. Thank you for your attention to this matter. Respectfully Yours, .~ Benja n Bibler, Esq W/ e EXHIBIT ~ ~~ VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, he is an attorney for the Plaintiff herein; makes this Verification based upon the facts as supplied to him by the Plaintiff and/or its agents and because the Plaintiff is outside the jurisdiction of the court and the Plaintiffs Verification cannot be obtained within the time allowed for filing of this pleading, and that the facts set forth in the foregoing pleading aze true and correct to the best of his knowledge, information and belief. ~; ~ a~ Date Benjam' Bi er, Esquire CERTIFICATE OF SERVICE I certify that I served a true and correct copy of Plaintiff's Response to Motion to ~-- n Compel, by First Class Mail, Postage Pre-Paid, on the ~ day of t~i ~-~ , 2008, upon the following: Deborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 ~ . ,,,;~~ By: Benjami 'tiler, Esquire C'? -v F ~. . ~~~y,. ~ V.~ ~:~" ~ t ~ .y(''~+ 111~ ' ~ r. 4i~ ~ Y~_.~ J 77 ~~ ~ 'i ," • ~1 •P"rti • 4: P ~~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff No. 07-5313-CIVIL TERM vs. PLAINTIFF'S MOTION FOR DEBORAH L. GRAHAM A PROTECTIVE ORDER UNDER Pa.R.C.P. 4012 Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire PA LD. #93598 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06047316 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff No. 07-5313-CIVIL TERM vs. PLAINTIFF'S MOTION FOR DEBORAH L. GRAHAM A PROTECTIVE ORDER UNDER Pa.R.C.P. 4012 Defendant PLAINTIFF'S MOTION FOR A PROTECTIVE ORDER UNDER Pa.R.C.P. 4012 AND NOW, comes Plaintiff, Capital One Bank ("Plaintiff") by and through its attorneys, Weltman, Weinberg & Reis Co., L.P.A. and makes this Motion to your Honorable Court for a Protective Order under Rule 4012 of the Pennsylvania Rules of Civil Procedure. In support thereof, Plaintiff avers as follows: 1. Plaintiff initiated the within action on September 5, 2007 by filing a Complaint against the above-named Defendant for recovery of credit card debt. 2. On or about May 12, 2008, Defendant filed an Answer, New Matter and Counterclaim. 3. On or about July 7, 2008, Plaintiff filed Preliminary Objections to Defendant's Counterclaim alleging failure to conform to law or rule of court and legal insufficiency of the pleading (demurrer). 4. Plaintiff has been served with documents titled "Defendant's Request for Production of Documents" and "Defendant's First Set of Interrogatories." Said documents are attached hereto as Exhibits "A" and "B" respectively. 5. Defendant is requesting information and documents pertaining to issues that are currently before this Honorable Court in Plaintiff's Preliminary Objections. 6. Defendant is requesting information and documents that are not relevant to the subject matter involved in the pending action, such as her requests, inter alias to identify any person who participated in sending documents or communicating with the Defendant; to identify Plaintiff's net profits in each of the last four years; and to identify how many unsolicited credit card offers Plaintiff mailed in the last four years. See Exhibit "A" and Exhibit "B". 7. Plaintiff mailed a letter dated July 1, 2008 to Defendant for the express purpose of explaining its disclosure issues, conveying its good faith intentions to immediately respond to all relevant discovery requests once a determination is made as to Defendant's legal status to request such information. Said letter is attached hereto as Exhibit "C". 8. Defendant has refused to extend any courtesy to Plaintiff regarding these requests and now brings a Motion to Compel. 9. Plaintiff has every intention to provide good faith answers to these discovery requests, but at this time, must object to these discovery requests as premature, harassing, and unduly burdensome. 10. No prejudice would occur to Defendant by postponing Plaintiff's responses to these requests until after a determination is made as to Plaintiff s Objections to Defendant's Counterclaim. WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter an Order to protect Plaintiff from the above-described discovery sought via Defendant's Request for Production of Documents and First Set of Interrogatories. Respectfully Submitted: WELTMAN, WEINBERG & REIS, CO., L.P.A. Pa. I.D. 93 8 WELT N, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR# Ob047316 CERTIFICATE OF SERVICE I, Benjamin R Bibler, hereby certify that a true and correct copy of Plaintiff s Motion for a Protective Order under Pa.R.C.P. 4012, was served on Defendant by regular U. S. Mail, postage prepaid, this _ day of ~' , 2008, addressed as follows: Deborah L. Graham 902 Allenview Drive Mechanicsburg, PA 1.7055 By: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff CIVIL ACTION -LAW v. DEBORAH L. GRAHAM, : N0.07-5313 Defendant : (JURY TRIAL DEMANDED) DEFENDANTS' REQUEST FOR PRODUCTION OF DOCUMENTS ADDRESSED TO PLAINTIFF Pursuant to Pa. R. Civ. P. 4009, defendants request that plaintiff produce the following documents for inspection and copying within 30 days, at Defendant's residence, 902 Allenview Drive, Mechanicsburg, Pennsylvania 17055, or forward correct copies thereof to the undersigned at her residence listed above within thirty days after service of this request. DEFINITIONS The following definitions are applicable to and incorporated by reference into each request: (A) The terms "you" and "your" refer to you Capital One Bank and any of your representatives. (B) The term "person" means any natural person, partnership, corporation or other business entity and all present and former officers, directors, agents, employees, partners, venturers, owners, attorneys and other acting or purporting to act on behalf of such natural person, partnership, corporation or other business entity. (C) The term "representative" means any past or present member, officer, director, employee, attorney, agent, or other person or entity which has acted on any person's behalf. (D) The term "document" means any original, written, typewritten, handwritten, printed ar recorded material, and any tapes or disks and copies or transcripts thereof, now or at any time in your possession, custody or control; without .~ limiting the generality of the foregoing definition, but for purposes of illustration, "document" includes any letter, memorandum, note, log book, note book, contract, agreement, workpaper, audit paper, spread sheet, study, report, record, calendar, notice, deposition, minutes of meetings of board of directors or of shareholders of a corporation, job minutes, program, computation, accounting sheet, workpad, diary, legal opinion, message, telegram, brochure, computer printout, invoice, billing, graph, projection, financial statement, balance sheet, journal entry, confirmation, photograph, blueprint, architectural drawing, advice or other items, whether in manuscript, handwritten, typewritten, printed, electronic, magnetic or other forms of recordation of any kind, and whether in original or in copy form. (E) The term "communication" includes, but is not limited to, all inquiries, discussions, conversations, negotiations, agreements, understandings, meetings, conferences, interviews, telephone conversations, correspondence, notes, minutes, memoranda, telegrams, telexes, advertisements or other forms of oral or written intercourse, however transmitted. (F) The term "relates to" means constitutes, refers, reflects, concerns, pertains to, or in any way logically or factually connects with the matter described. RULES OF CONSTRUCTION In construing these Requests: (A) The singular shall include the plural and plural shall include the singular. (B) A masculine, feminine or neuter pronoun shall not exclude the other genders. (C) Unless otherwise specified in the Request, each Request shall extend to all information and documents which have been available to you, in your possession or subject to your control up to the date of your response to these Request. This paragraph does not limit your duty to supplement your responses. INSTRUCTIONS A. All original and non-identical copies of each responsive document shall be produced. B. Any document withheld under a claim of privilege shall be identified by its: (1) author; (2) addressee; (3) copy recipient; (4) type of document; (5) subject matter; (6) date; (7) file source; (8) type of privilege claimed; (9) the position and capacity of each person named in (1), (2) or (3) above; and (10) the facts on which you rely to support the claim of privilege. The following designated items for discovery and production pertain to the subject credit card account issued by Capital One Bank, as alleged by Plaintiff in its Amended Complaint against Defendant DOCUMENTS TO BE PRODUCED 1. Any and all documents and things, omitting nothing therefrom, that are identified or sought to be identified in or that relate in any manner whatsoever to or aze referred to in your answers to the foregoing Defendant's First Set of First Interrogatories, indicating with respect to each document the Interrogatory to which it is responsive. RESPONSE: 2. The signed documents by and under which Plaintiff issued a credit card account for which it is suing the Defendant in this action. RESPONSE: 3. Any and all applications for credit, omitting nothing there from, made by or on behalf of the Defendant to Capital One Bank. RESPONSE: 4. Any and all charge slips, omitting nothing there from, whether or not signed or alleged to have been signed by the Defendant, that relate in any way to transactions that you allege are part of the balance sued for under the alleged account with Capital One Bank that is referred to in Paragraphs 3 and 4 of your Amended Complaint. RESPONSE: 5. Any and all documents, omitting nothing there from, whether or not signed or alleged to have been signed by the Defendant, that relate in any way to addition of interest rate of 28.240% per annum that you allege you are entitled to and that is referred to in Paragraph 6 of your Amended Complaint. RESPONSE: 6. Any and all correspondence between Capital One Bank and the Defendant, omitting nothing there from, related in any way to Paragraph 7 of your Amended Complaint, which alleges that you repeatedly requested Defendant to pay the amounts requested. RESPONSE: 7. Any and all correspondence between the Plaintiff and Capital One Bank, omitting nothing there from, related in any way to the alleged account with Capital One Bank that is referred to in Paragraph 3 of your Amended Complaint, or to the account sued on in general. RESPONSE: 8. Each and every document or writing you intend to use at the trial of this case. RESPONSE: 9. All writings or documents pertaining to the averments in Plaintiff s Amended Complaint. RESPONSE: 10. The original file, and any and all documents, including, but not limited to, the original file, original file folder, all computer records, computer printouts, all memoranda, statements, letters, notations, reports, reports of telephone calls, records of all calls, ledger cazds, account cards, or other written memoranda, all communications, tape recordings, electronic recordings, transcripts of all tape recordings, in Plaintiff s file relating to an alleged account of Defendant. RESPONSE: 11. Please provide a list of each and every person who spoke with, called or contacted Defendant, or was called with reference to the Defendant's alleged account, including the names, all assumed names or aliases, addresses, and home and business phone numbers, the dates they called, the reasons for such call or contact, and what specifically they said to Defendant. State the entire, full, total conversation. RESPONSE: 12. Copies of the entire and complete investigation as to Defendant's account indebtedness and any responsibility the Defendant may have on the account. RESPONSE: 13. Copies of any and all reports or communications made by the Plaintiff to any other person or entity concerning the account of Defendant, and/or the credit history or payment history of Defendant. RESPONSE: D ~~ ate: ~--~ ., Debor Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant, Pro se CERTIFICATE OF SERVICE HEREBY CERTIFY that a true and correct copy of the fdregoing Defendants Interrogatories and Request for Production of Documents Address~d,to Plaintiff was furnished by U.S. .ail, first class, postage prepaid on thi (, y of ~ -~--~ ~ , 2008, to: Benjamin R. Bibler, Esquire WELTMAN, WEINBERG & REISS CO., L.P. 2718 Koppers Building 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plaintiff ., Dated, orah Graham ~. Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff v. DEBORAH L. GRAHAM, Defendant CIVIL ACTION -LAW N0.07-5313 (JURY TRLAL DEMANDED) DEFENDANT'S FIRST SET OF INTERROGATORIES ADDRESSED TO PLAINTIFF Defendant requests that Plaintiff answer under oath the following interrogatories within thirty days of service in accordance with Pa. R.C.P. No. 4005 and 4006. These interrogatories aze deemed to be continuing to the extent provided in Pa. R.C.P. No. 4007.4: I. INSTRUCTIONS AND DEFINITIONS Please follow these instructions and use the following definitions in answering these interrogatories. Any term or work, which is not defined herein, has its usual and customary meaning. a. Each of the following interrogatories shall be answered separately and fully in writing. The answers shall be signed and verified by the person making them. Objections, if any, shall be signed by the attorney making them. b. Where knowledge or information in possession of a party is requested, such request includes knowledge of the party's agents, employees, servants, officers, directors, accountants, attorneys (unless privileged), or other persons acting or purporting to act on behalf of the party fio whom these interrogatories are addressed. You must make inquiries of your agents, employees, etc., whenever such inquiry is necessary to enable you to answer these interrogatories completely and accurately. c. When, after a reasonable and thorough investigation, you aze unable to answer any interrogatory, or any part thereof, because of lack of information available to you, specify in full and complete detail the reason the information is not available to you and what has been done to locate such information. In addition, specify what knowledge or _--~-„ belief you have concerning the unanswered portion of the interrogatory and set forth the facts upon which such knowledge or belief is based. d. Where an interrogatory does not specifically request a particular fact, but where such fact or facts are necessary to make the answer to the interrogatory either comprehensible, or complete, or not misleading, you are requested to include such fact or facts as part of the answer, and the interrogatory shall be deemed specifically to request such fact or facts. e. If, in answering these interrogatories, you encounter any ambiguity, in a question, instruction, or definition, set forth the matter deemed ambiguous and the interpretation you used in answering. f. If you assert a privilege, work product immunity, or decline to provide an answer on the basis of some other objection, please: i. identify and describe the document or communication in question; ii. describe the basis for the asserted privilege or objection; iii. identify every person to whom the document was sent, or every person present when the communication was made; iv. identify the present custodian of the document, if any. Include sufficient facts for the court to make a full determination of whether the claim or objection is valid. g. Unless otherwise indicated, these interrogatories refer to the time, places and circumstances of the occurrences mentioned or complained of in plaintiffs complaint. h. The pronoun "you" refers to the party to whom these interrogatories are addressed, the party's agents, representatives and, unless privileged, the party's attorneys. Additionally, the pronoun "you" refers to each parent, predecessor, subsidiary, affiliate, and each present and former officer, employee, agent, representative, and attorney of a corporate or other business entity. i. The word "person" means any natural individual in any capacity whatsoever or any entity or organization, including divisions, department, or other units therein, and shall include without limitation a public or private corporation, partnership, joint venture, voluntary unincorporated association, organization, proprietorship, trust, state, government agency, commission, bureau, or department. j. The term "document" means any medium in which information or intelligence can be recorded or retrieved, and includes, without limitation, the original or copy, regardless of origin and location, of any book, pamphlet, periodical, letter memorandum, (including any memorandum or report of a meeting or conversation), invoice, bill, order, form, receipt, fmancial statement, accounting entry, diary, calendaz, telex, telegram, cable, report, record, contract, study, handwritten note, draft, working paper, chart, paper, print, laboratory record, drawing sketch, graph, index, list, tape, photograph, microfilm, data sheet, or data processing cazd, or any other written, recorded, transcribed, punched, taped, filmed, or graphic matter, however produced or reproduced, which is or was in your possession, custody or control. k. The term "communication" means any oral or written utterance, notation, or statement of any nature whatsoever between or among two or more persons, by or to whomsoever made, and including without limitation correspondence, documents, conversations, dialogues, discussions, interviews, consultations, agreements, and other understandings. 1. A request to identify a document is a request to state as applicable: i. The date of the document; ii. The type of document; iii. The names and present addresses of the person or persons who prepazed the document and of the signers and addressers of the document; iv. The name of the employer or principal whom the signers, addressers and preparers were representing; v. The present location of the document; vi. The name and current business and home addresses of the present custodians of the original document, and any copies of it; vii. A summary of the contents of the document; and viii. If the original document was destroyed, the date and reason for or circumstances under which it was destroyed. m. When an interrogatory requires you to "describe," to "state the basis of," or to "state the facts" on which you rely to support a particular claim, contention, or allegation, state in your answer each and every fact and identify each and every communication or document which you contend supports, refers to, or evidences such claim, contention, or allegation. When an interrogatory requires you otherwise to describe or state the facts relating to any particular set of circumstances, act, event, transaction, occurrence, meeting, agreement, contract, venture, relationship, conversation, representation, communication, or other item of information, state briefly in your answer the facts (including dates and places) relating to such transaction, occurrence, relationship, set of circumstances, etc.; identify any persons who are or were parties thereto or have knowledge thereof; and identify any communications and documents relating to or evidencing such transaction, occurrence, relationship, set of circumstances, etc. INTERROGATORIES 1. Identify each person participating in the preparation of the answers to these interrogatories by stating the complete name, position or title, business and residential address of each person or persons and indicate the subject matter with respect to which he or she provided answers. ANSWER: 2. (a). State the correct legal name of your organization and its affiliation, if any, with any person or debt collector(s) you contacted to attempt to collect the debt alleged in the complaint; and (b). State the form of your organization and the date and place it was organized and whether it is registered and/or licensed to do business in Pennsylvania. ANSWER: 3. State with particularity all documents, including but not limited to advertisements, brochures, application forms and unsolicited offers of credit, that you sent the defendant as part of the credit transaction alleged in your complaint. Identify any persons who participated in sending the documents or communicating with the defendant. ANSWER: 4. Identify every document containing any relevant facts to the complaint in this adversary proceeding and state with particularity what particular relevant facts each such document contains. ANSWER: 5. Identify any credit policies, which you maintain were violated by the defendant in connection with use of her account. State how such policies were communicated to the defendant and identify any documents by which such policies were communicated. ANSWER: 6. Identify your policies concerning decisions about the credit-worthiness of account holders and state with particularity how they were applied to the defendant and in approving her for a credit card. ANSWER: 7. Identify all of your employees who you claim had personal contact with the defendant at any time in connection with her accounts. ANSWER: 8. Identify all persons who you claim have knowledge of the facts alleged in your complaint stating their name, address, telephone number, occupation, title, and a brief statement of the information that you claim that they have. ANSWER: 9. How much were plaintiff s net profits from its credit cazd operations in each of the last four years? ANSWER: 10. How many unsolicited credit card offers did plaintiff mail in each of the last four years? ANSWER: 11. State the name and address of each witness you intend to call at trial of this matter and describe the substance of their testimony. ANSWER: 12. With regard to the "Verification" attached to Plaintiffs Complaint, identify and describe the information supplied by Capital One Bank to Benjamin R. Bibler, Esquire. who signed the verification, which forms the basis of the statements contained in Plaintiffs Amended Complaint and with respect to each item supplied: (a) the date or dates upon which you supplied it to said attorney; (b) whether such information was given orally, in writing or otherwise; (c) identify each and every individual with information or knowledge relating to your answer herein; (d) identify each and every document that was used to supply the information. As to each such document, identify those facts to which each document refers or relates and annex hereto a copy of each document. ANSWER: 13. List all exhibits Plaintiff proposes to introduce at trial. ANSWER: 14. For each person who has had any involvement in any manner in any efforts on your behalf to collect or attempt to collect any debt purportedly owing by Defendant, state his/her name, position, home and work addresses and telephone numbers, and the nature and purpose of his/her involvement; describe each action taken, the nature, contents and subject matter of each discussion or conversation held, and the time, place and the date of each such action or conversation; and identify all documents relevant, related to or reflecting said involvement of each such person. ANSWER: 15. Identify all persons known to you who have knowledge of facts relevant to this case, including but not limited to all persons interviewed by you, by your counsel, or by any person cooperating with you in the prosecution of this action, and state the subject matter of testimony, giving a brief description thereof, for each person you may call as a witness in this case. If you intend to qualify any of these witnesses as experts, please so indicate, giving their areas of expertise, their credentials as experts, the substance of the facts and opinions to which the expert is expected to testify, and a summary of the grounds for each opinion. ANSWER: 16. Please describe your procedure and policy with respect to the maintenance, preservation, and destruction of documents, stating in your answer whether any documents or things relating to any information requested in these interrogatories, or related in any way to this lawsuit, have ever been destroyed or aze no longer in your custody. For each such document, please identify the document, how, when and why each document was destroyed or otherwise left your control, the idenrity of any person who participated in any way in the destruction and/or action for destroying the document or to transfer it out of your control or custody; and if the document still exists, identify the person now having control or custody of the document. ANSWER: 17. Identify by agency, investigation number, caption, court, civil action number and result all administrative complaints and all litigation filed against you alleging violations of the Pennsylvania Unfair Trade Practices and Consumer Protection Law, 73. P.S. Section 201-1 et seq. (hereinafter "CPL"), identifying in your response each action in which you have been alleged to have violated the CPL and stating the court's disposition as to each allegation. ANSWER: 18. List and explain all abbreviations and code words, letters, numerals, or symbols regularly used by you in your records of collection activities against the Defendant. ANSWER: Deborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant Pro se CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Defendants interrogatories and Request for Production of Documents Address~~to Plaintiff was ifumished by U.S. ail, first class, postage prepaid on thi y of ~ -e--~ `--~" , 2008, to: Benjamin R. Bibler, Esquire WELTMAN, WEINBERG & REISS CO., L.P. 2718 Koppers Building 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plaintiff Dated; I~ e orah Graham Defendant BENJAMIN R. BIBLER Attorney at Law 412.434.7955 Faz 412.434.7959 bbiblerQweltman.com July 1, 2008 L.P.A. WELTMAN WEINBERG & REIS CO BURLINGTON, NJ . ~ 1 609.914.0437 ATTORNEYS AT LAW CHICAGO, IL 2718 Koppers Building 847.940.9812 436 Seventh Avenue CINCINNATI, OH Pittsburgh, Pennsylvania 15219 513.723.2200 412.434.7955 CLEVELAND OH www.weltman.com , 216.685.1000 COLUMBUS, OH 614.228.7272 DETROIT, MI 248.362.6100 PHII.ADELPHIA, PA 215.599.1500 Deborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Re: Capital One Bank vs. Deborah Graham Docket No. 07-5313 WWR#: 6047316 Dear Ms. Graham Enclosed please find Plaintiff's Preliminary Objections to your Counterclaim. Naturally, until the issues presented in my Client's Preliminary Objections are resolved, my client will not be able to Answer your discovery requests. If those issues are resolved in your Client's favor, will immediately forward your discovery requests to my Client to formulate a proper response. However, until that time, Please allow this letter to act an Objection to all your discovery requests as being outside the scope of permissible discovery. Please contact me with any questions or concerns. Thank you for your attention to this matter. Respectfully Yours, . i~ Benja n Bibler, Esq W/e t a. ~ 4 ~ ~ C,`7 f.. ~f ~.~ ,' ~ -' T ~ ry ~ ~~ . ''.'~- r`a ~-~ rri `,. .. ~~ cn ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff CIVIL ACTION -LAW v. , DEBORAH GRAHAM, : N0.07-5313 Defendant : (JURY TRIAL DEMANDED) IIi~T10N FOR SANCTIONS UPON PLAINTIFF FOR FAILURE TO PRODUCE DOCUMENTS AND ANSVYER DEFENDANT'S DISCOVERY REQUESTS NOW COIMES defendant, Deborah Graham, moves this Court fior sanctions and to compel production of tangible evidence (more specfically provide specific detailed answers to Defendant's Interrogatories and Request for Production of Documents) pursuant to Pennsylvania Rules of Civil Procedure §4019(a)(I) and 2. In support hereof, Defendant states the following: 1. This action involves a credit. card account collection matter filed by Plaintiff on September 5, 2007. Plaintiff alleges that Defendant "applied" for a credit card account in 2000, but fails to attach a copy of the signed credit application or agreement, even though such document originated from Plaintiff and was returned to Plaintiff as part of the application process. 2. After the dismissal of Defendants' preliminary objections, Defendant timely filed her Answer with New Matter and Counterclaims to Plaintiff's Complaint on May 23, 2008. Also on May 23, 2008 Defendant served counsel for plaintiff with copies of Defendant's First Set of Interrogatories Addressed to Plaintiff and Defendant's Request for Production of Documents. 3. Not only did Plaintiff fail to Reply to Defendant's New Matter in a timely manner, but counsel also did not properly admit or deny the allegations set forth in Defendant's New Matter and, therefore, pursuant to Rule 1026 (Time For Filing] and Rule 1029 (Denials. Effect of Failure to Deny], each and every averment in Defendant's New Matter filed on May 23, 2008 should be deemed admitted for purposes of these proceedings. 4. On July 18, 2008, 2008 Defendant filed a Motion to Compel Discovery. Plaintiff, upon discovering he had missed his time lines for filing objections to the discovery and had failed to even answer Defendant's New Matter, then files a response to Defendant's Motion to Compel on or about August 5, 2008, some three (3) months later, well beyond the required time lines of the twenty (20) days allowable as set forth in the Pa.R.C.P.§402fi, without nrsponding to ANY discovery requests even after being given until August 8, 2008 to respond, which was an additional twenty (20) days to reply as indicated by the Courts' Order dated July 18, 2008. Plaintiff has been given almost five (5) months to respond to discovery yet as of the presentation of this Motion for Sanctions is presented, Defendants' discovery requests still remain unanswered therefore, preventing her from being able to pursue her defenses and proceed with this matter, which has severely prejudiced her. 5. In addition to Plaintiff failing to produce discovery or otherwise plead or raise objections in a timely and proper manner, Plaintiff then files a frivolous Motion For Protection Order on or about August 5, 2008, without cause or basis in fact and in an attempt to mislead the Court regarding the factual and legal issues that Defendant has properly raised in her Answer with New Matter and Counterclaims. Plaintiffs tactics are a ruse and clever attempt to avoid answering Defendants' discovery requests all together. The filing of Plaintiffs' preliminary objections along with the Protection Order has been improperly interposed to stall discovery and to harass Defendant. 6. Upon filing the Motion For Protection Order, Plaintiffs counsel fails to address his obligation to resolve issues in "good faith" with defendant and then fabricates a letter dated July 1, 2008 that he alleges was sent to Defendant, in an effort to argue that he did object to Defendant's discovery requests. Defendant never received any letter from Plaintiff's counsel regarding objections to discovery and had he done so, Defendant would have included it with her Motion To Compel to demonstrate that Plaintiff s counsel's letter was not a proper or timely objection to her discovery. Counsel should be sanctioned for his dishonesty and deceitful actions before this Court. 7. Not only has Plaintiffs counsel filed objections and pleadings in an untimely manner and in violation with the Pennsylvania Rules of Civil Procedure, but also has filed responses that are erroneous and without any basis or specific reasons for Plaintiffs failure to comply with discovery rules, including Pa.R.C.P. §4003.1. 8. Plaintiffs complaint alleges that Defendant applied for a credit account and Defendant Answer with New Matter alleges that the application was in writing and contains the written promises and representations by Plaintiff but was not attached to the complaint. Further, Defendant alleges in her New Matter, which allegations should be deemed admitted due to Plaintiff's violation of Rule 1026(a) and Rule 1029, that the written application and terms were mailed back to Plaintiff and, thus, Defendant does not have a copy of the writing that Plaintiff's cause of action is based upon. Plaintiff has deliberately refused to provide a copy of this written application and other relevant documents that support Defendant's defenses and counterclaims to the within action. Defendant is entitled to such evidence to enable her to provide a proper defense before this court which is clearly established acxording to the Pa.C.R.P.§4003.1, §4005, §4006, §4019.1 and §4009.12 9. In addition, failure to answer Defendant's discovery would violate the rules and create an unfair advantage for Plaintiff. Plaintiff was the original author of the documents in question, has exclusive and sole possession of these documents and it would prejudice any defenses raised by Defendant if Plaintiff were permitted to continue to delay, harass and unnecessarily increase the costs to Defendant in the defense of this matter and the pursuit of her counterclaims against the creditor. 10. Discovery regarding the credibility of Plaintiff, as well as its dealings with Defendant and its course of conduct in the extension of censumer credit to consumers through its credit card program, is not only relevant and reasonably calculated to lead to admissible evidence at trig! but also is crucial to the outcome of the within action. 11. Plaintiffs preliminary objections to Defendant's Counterclaims have not been decided by the Court and for Plaintiff to suggest that this is a reason to deny discovery is without any basis in case law and contrary to the liberal construction of the discovery rules. As such, Defendant reaffirms and alleges the following pertinent matters: a. Plaintiff's responses to Defendant's Motion To Compel are not based on anything of record and do not properly or sufficiently address the material facts that Defendant has pled in her Answer with New Matter and Counterclaims [in fact, it appears that Plaintiff has failed to even read or comprehend the breadth and scope of the matters Defendant has pled in defense of the claim]. b. Defendant has properly pled facts to support her claims based upon violations of the consumer protection laws, fraud in the inducement, misrepresentation of material fact, unconscionability and bad faith. Plaintiff attempts to impose terms that were never agreed upon or that were fraudulently changed after the fact, including the imposition of undisclosed fees and a highly inflated interest rate. c. Plaintiff s attorney has been prosecuting this case since at ieas# September 5, 2007 and has submitted improper verifications to the Court. The attomey is both signing and verifying legal papers, even though sufficient time has passed to allow for substituted verification. This conduct should not be permitted to continue and the Plaintiff's filings should be dismissed for failure to comply with law. WHEREFORE, defendant respectfully requests that #his Court enter an Order compelling plaintiff to respond fully to defendants' outstanding interrogatories and to produce all requested documents within #en (10) days of the date of said Order, under penalty of further sanctions pursuant to Pa.R.C.P. 4019, including but not limited to the following: A. An order (i) entering declaratory relief of rescission for the Defendant, (ii) voiding any interest, costs or fees charged or obtained by Capital One Bank, and (iii) providing actual damages and costs to the Defendants; B. An Order providing equitable and monetary damages to Defendant under the CPL, including treble damages and costs; C. An Order declaring Capital One Bank's credit card transactions void and unenforceable due to their unconscionability under Pennsylvania state law; D. Defendant be awarded damages for her loss of time and work and preparation costs in the amount of two thousand iwo hundred and fifty dollars and no cents ($2250.00) in order to respond to Plaintiff's frivolous filings and blatant disregard of norms and decency that is expected of him as an officer of the Court. E. Sanctions be imposed upon Plaintiff dismissing their filings against Defendant with Prejudice. F. Such other relief at law or equity as this Court may deem just and proper. Dated: Respectfully submitted, ~1 ~~ ~/~.YMfd(1 902 Allenview Drive Mechanicsburg, PA 17055 Pro Se Defendant CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the oregoing document was furnished by U.S. Mail, first class, postage prepaid on thi~,2~_ day of 2008, to: Benjamin R. Bibler, Esquire WELTMAN, WEINBERG & REISS CO., L.P. 2718 Koppers Building 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plaintii~ Dated: De rah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Pro Se Defendant ~ - ~~ ~w.~ K .~~ ~_ ;, --~ " "~ ,r ~ ~! ~. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaiintiff v. DEBORAH GRAHAM, Defendant CIVIL ACTION -LAW N0.07-5313 (JURY TRIAL DEMANDED) MOTION TO OVERRULE PLAINTIFF'S OBJECTION TO DEFENDANT'S MOTION TO COMPEL AND NOW COMES, De#endant, Deborah Graham, and hereby files this Motion to Overrule Plaintiffs Objection to Defendan#'s Motion to Compel. 1. Plaintiff commenced this civil action against Deborah Graham, hereinto referred to as uDefendant" and filed a complaint thereafter in the Court of Common Pleas of Cumberland County on September 5, 2007. At such time, Plaintiff filed its complaint but failed to attach a signed contract or agreement, signed charge slips, or the application for the credit card. The writing or application form and brochure, advertisement with rates and terms signed by Defendant was returned to Plaintiff, which is in their possession therefore, Defendant is not able to produce a copy of it. Accordingly, to the laws governing records retention Plaintiff is required to maintain a copy of that which he seeks. 2. By failing to attach a signed credit application or the terms and conditions agreed to in writing by Defendant, Plaintiff has not complied with Rule 1019 of the Pennsylvania Rules of Civil Procedure, which requires that where a claim or defense is based upon a writing, the pleader shall attach a copy of the writing, or the material part thereof. In both Worldwide Asset Purchasing LLC, v Nancv A. Stern, and a companion case Commonwealth Financial Systems. Inc vs Scott Miller, No. AR04-4429, slip op., (PA Court of Common Pleas, 2004), Judge Wettick sustained preliminary objections and issued an order striking the complaint for failure to attach a signed copy of the credit card agreement. 3. Plaintiff has just now filed action against Defendant without any previous correspondence or communication of any kind to the Defendants knowledge or belief. As of the writing of this pleading Defendant has yet to receive any type of communication from the Plaintiff verbally or in writing except by way of what has been dully recorded by this Court which includes the lack of the July 1, 2008 letter. The productions of documents requested are imperative to this pending action but Plaintiff chooses to ignore said requests to validate their claim. The burden of proof rests upon the Plaintiff in this matter. Hilton v. Willou~ht 13 Pa. D. 8~ C. 3d 587 (1980); 4. Plaintiff filed objections to Defendants' discovery request outside of the time lines some (3) plus months late as provided by the Pa.R.C.P.§4006(2)(a) therefore, Plaintiff waives their right to file objections. Bonk v. Block, 12 D. & C. 3d 749, J.J. White, Inc. v. Buckley ~ Co., 65 D. & C.2d 794, Pa.Comm.Pl. (1974}. Dane v. Hartford Accident and Indemnity Co., 6 D.& C.4~' 537 (1989), Dauphin County 14 104-S-1989(Judge Dowling), "The provisions governing discovery under the Federal Rules of Civil Procedure are more than mere procedural guidelines to be consulted at the pleasure of a party to a federal civil suit. The language of these rules is carefully drafted and specific in its terms in order that they secure the just, speedy and inexpensive, determination of every action."[citing Fed. R.C.P. 21] Plaintiffs have chosen a most reckless course by failing to acquaint themselves with, and boy failing to comply with, the clear, precise and central provision of these rules." Another Federal Court said: "Regardless of how outrageous or how embarrassing the questions may be, the defendants have long since lost their opportunity to object to the questions. If they feel that the questions are unfair they have no one to blame but themselves for being required to answer them now. If discovery rules are to have any effect or meaning, the failure to serve such objections within the time prescribed...should be considered a waiver of such objections." Davis v. Romney, 53 F.R.D. 247 (E. D. Pa. 1971). (citation omitted) Default judgment may be imposed against a party who, without satisfactory excuse, fails to make timely response to mandatory discovery request. Commonwealth v. Redek Auto Service, 458 A.2d. 614, 73 Pa. Comwlth. 222. 5. On July 8, 2008 Defendant received Plaintiff's Preliminary Objections to Defendant's Counterclaim however, the mailing DID NOT contain or include any such letter from Benjamin R. Bibler, Esquire dated July 1, 2008 as he referenced in Plaintiffs Response to Defendant's Motion to Compel ie. Exhibit A stating he would not answer the discovery requests until his clients Preliminary Objections are resolved. This letter is a fabrication drafted after attorney Bibler realized he had missed his timelines for filing objections to which he never provided a copy to Defendant. As of the filing of this pleading Defendant has yet to receive any type of communication from the Plaintiff verbally or in writing which includes not even one (1) cover letter enclosed with any pleadings that have been fried with this Court or mailed to Defendant. If he had, Defendant would have attached a copy of such letter because it clearly is a deficient form to constitute a proper and timely filed objection. Plaintiff in this regard has not provided sufficient proof or documentation that he had attempted to confer with all interested parties in order to resolve the matter without court action nor has he made any attempts to provide Defendant with any "good faith intentions" of the validity of this claim filed hereto yet continues to inundate the Defendant and this court with frivolous, unnecessary and repetitive paperwork. 6. The productions of documents requested are imperative to this pending action but Plaintiff chooses to ignore said requests to validate their claim. The burden of proof rests upon the Plaintiff in this matter. Hilton v. Willouaht 13 Pa. D. & C. 3d 587 (1980); 7. Defendant's discovery requests are not outside of the scope of permissible discovery when in fact, these requests are simple enough to understand and provide Defendant with appropriate documentation for which a proper defense can be provided according to the Rules of Civil Procedure and PA State Law. On or about May 23, 2008, Pursuant to Pa. R. Civ. P. 4009, Defendant requested: " that Plaintiff produce the following documents for inspection and copying within 30 days On Defendant requests that Plaintiff answer under oath the following interrogatories within thirty days of service in accordance with Pa. R.C.P. No. 4005 and 4006. These interrogatories are deemed to be continuing to the extent provided in Pa. R.C.P. No. 4007.4: In accordance with the "INSTRUCTIONS" A. All original and non-identical copies of each responsive document shall be produced. B. Any document withheld under a claim of privilege shall be identified by its: (1) author; (2) addressee; (3) copy recipient; (4) type of document; (5) subject matter; (6) date; (7) file source; (8) type of privilege claimed; (9) the position and capacity of each person named in (1), (2) or (3) above; and (10) the facts on which you rely to support the claim of privilege." Defendant's Answer with New Matter and Counterclaim alleges that Plaintiff has acted deceptively and illegally in violation of the Pa Unfair Trade Practices and Consumer Protection Law and that it engaged in fraud in the inducement and execution of a credit card agreement, among other property pled defenses and claims to Plaintiffs action and thefore: a. "Most decisions on relevance, where discovery is concerned, shall be made at the time of trial and generally, discovery shall be permitted. The determinations of relevancy are not to be loosely made upon the assumption that by possibility an answer may be irrelevant". Miller v_. Bethlehem Steel Com. 56 Pa. D & C. 2d 269 (1972), Roberts v. Deckert, 82 Dauphin R. 61 (1964). Ebersole v. Dinulos. 13 Lebanon 4 (1970). b. In discovery proceedings under Pa.R.C.P. §4007(12P,S.Appendix), the test of relevancy is not whether the anticipated answer to the proposed ._ -., ;. T~ ,: ;. ~, „. .: ,. ,. r question can immediately qualify as admissible evidence, but whether the proposed question may possibly lead to an answer or answers which, alone or together, may be admissible and possess probative force to affect a material part of the cause of action. O"Conner v. Fellman, 39 D. ~ C. 2d 51. 8. The Defendant filed her Answer With New Matter and Counterclaims, raising defenses based upon the absence of sufficient proof of an alleged debt where Plaintiff has yet to produce evidence to the contrary. Plaintiff has not pled with specificity as to how it would be harmed in producing this information and/or these documents as required in Pa.R.C.P.§4012. The moving party (Plaintiff) has the burden of showing "good cause" demonstrating why the court should enter a protection order on its behalf. Objections must be specific and must be accompanied by a detailed explanation of why a particular request is objectionable. Epstein v. Safeway Trails. Inc 68 Pa. D. & C. 3d 175. Hilton v. Willous~ht 13 Pa. D. & C. 3d 587 (1980); Camev v. Brillson, 68 Pa. D & C. 2d 764 (1975); Tarason v. Lehr. 23 Pa. D & C. 2d 500 and Ruddy v. Pa Gas and Water Co., 36 Pa. D. & C. 2d 705 (1965) and Nordmark v. Phlllios, 26 Monroe L.R. 192. 9. On or about November 16, 2007, Plaintiff Capital One Bank filed its Amended Complaint, attaching thereto periodic sta#ements for the alleged account as Exhibit "A" and a purported written customer agreement as Exhibit "B". However, the purported written customer agreement, Exhibit "B". is not signed by Defendant and Plaintiff offers no explanation as to how Exhibit "B" applies to Defendant .Plaintiff claims no prejudice would occur to Defendant by postponing Plaintiff's responses when already Defendan# has been prejudiced by all #hese outlandish delays and smoke screens by Plaintiff when in fact these objections are not premature, harassing or unduly burdensome but in fact, a crucial part of the evidentiary process in which to properly prepare a defense. By failing to produce the very same documents that it authored and now retains possession of, Plaintiff's boiler-plate, cookie cutter preliminary objections filed on or about July 3, 2008, are frivolous and has been improperly interposed to stall discovery and to harass Defendant. See Pa. Civil Practice Fourth Edition Chapter 32.02 (by Hess) Frivolous filings Rule 1023.1. Refer to proceeding answers. 10. Defendant has not gone on any "fishing expeditions" nor shall Defendant assume Plaintiffs responsibility for providing the burden of proof of this claim. Request for discovery must be considered with liberality and wide discovery permitted. Yoffee v. Golin, 45 D. & C. 2d 318 (1968). "All discovery comes with some measure of annoyance and burden that must be tolerated." Merrifield v. Gaven 10 Pa. D. & C. 4~' 541 (1991) Klein v. Commonwealth of Pa, 9 Pa. D. 8~ C. 2d 792 (1957). On May 23, 2008 Defendant filed with this Court and to the Plaintiff, an Answer with New Matter and Counterclaim. On or about August 5, 2008 Plaintiff filed a response to said New Matter and Response to the Motion to Compel (along with a Protection Order) in which to bury this Court and the Defendant in frivolous paperwork plus the fact that these pleading were indeed filed beyond the time line of twenty (20) days as put forth in the Rules of Civil Procedure Section 1026. The very fact that Plaintiff is just now filing an Answer to New Matter and Protective Order with Objections to Discovery is beyond belief and in utter disregard for the Pa. Rules of Court not to mention the judicial staff of Cumberland County. It has been in fact more than three (3) months whereby the request was first made and we are now far beyond the appropriate time line at this point to allow the Plaintiff to respond with excuses not becoming of a professional licensed attomey who has demonstrated a blatant disregard of this Court and the Law of which he represents whereby Defendant's counterclaims do speak for themselves. Defendant respectfully requests this Court to review Plaintiffs' attomey, Benjamin R. Bibler, Esquire actions and filings with scrutiny so as not to be deceived by this ruse. By way of further response, Plaintiff also failed to file objections to the discovery materials within the appropriate time limit set by the Pa.R.C.P.§4011. An objection to interrogatories or other discovery under Pa.R.C.P. §4006(a)(2) (42 Pa.C.S.A.) or an application for protective order under Pa.R.C.P.§4012 (42 Pa.C.S.A.) must be filed before the party seeking discovery has filed a motion for sanctions or other motion seeking to enforce compliance with the discovery requests or else the objection or the grounds upon which the protective order is sought will be waived. Mountain View Condominium Owners' Association v. Mountain View Associates. 9 D. & C. 4~h 81. Pa.Com.Pl. 1991. Refer to all other responses incorporated hereto. 11. Under Rules of Civil Procedure 1032(a), "a party waives all defenses and objections which are not presented either by preliminary objection, answer or reply..." Further, an inquiry into Plaintiff's net worth/profit is appropriate in cases where punitive damages may be assessed an thus a proper subject of pretrial discovery which is best secured through the use of written interrogatories to avoid interrogation on irrelevant matters. Frank v. Bartschi, 16 Ches#. 323. Pa. Gom.Pl. 1968. Interrogatories must be answered as it may relevant to any matters which are relevant to the subject matter involved in the action and will substantially aid in the preparation of the pleadings or trial of the case and intended to be raised by counterclaim. Pottstown Daily News Pub. Com v Pwn Broadcastins~ Com., 80 Montg. 114. Affirmed 192 A.2d. 657, 411 Pa. 383 and Altschuler v. Vance. 74 Montg. 204, 72 York 81. The court will require an answer to proposed interrogatories which appear relevant and material to the proof of fraud in the making of a contract, but will not require the disclosure of secret processes. Nell v. U.S. Eauioment Corc , 5 Cumb L.J. 132. Judgment by default may be entered against a disobedient party as sanction for failure to respond adequately to discovery requests. Pa. R.C.P.§4019, 42 Pa.C.S.A. Tavlor v. Citv of Philadelphia, 692 A.2d 308, appeal granted, affirmed 699 A.2d 730, 548 Pa. 568. Refer to all other responses incorporated hereto. 12. So for example, even one court has held: "While there appears to be demands for information upon the Plaintiff which seem remote to the issue involved in the action of law, nevertheless the Defendant has the right to discovery in support of his own case, and the information should be made accessible to him. The materiality and relevancy thereof can be determined by the law side of this court. Pittsburs~h Courier v. W.B. Ziff Co.,~89 P.L.J. 635. Refer to all other responses incorporated hereto. 13.An inquiry into Plaintiffs net worth/profit is appropriate in cases where punitive damages may be assessed an thus a proper subject of pretrial discovery which is best secured through the use of written interrogatories to avoid interrogation on irrelevant matters. Frank v. Bartschi, 16 Chest. 323. Pa. Com.Pl. 1968. Refer to all other responses incorporated hereto. The arguments presented here are simply a "smoke screen" to side track the Court of the Legal Issues at hand in the course of following the Rules of Civil Procedure and forcing compliance with said Rules by the Plaintiff who has recklessly entered this Court without providing "good cause" or "burden of proof" of their claim against the Defendant. Refer to all other responses incorporated hereto. The Preliminary Objections filed by Defendant in the present case, are the same objections that Judge Wettick and the Pennsylvania Superior Court affirmed when dismissing the debt collector's complaint. Accordingly, the substance of Plaintiffs Amended Complaint violates the Pennsylvania Rules of Civil Procedure and should be stricken. Worldwide Asset Purchasins~ LLC, v Nancv A. Stern, No. AR04-4429, slip op., (PA Court of Common Pleas, 2004), Atlantic Credit and Finance Inc v. Giuliana, 829 A.2d 340, (Pa. Super. 2003). Refer to all other responses incorporated hereto. 14. In addition, Plaintiffs' Amended Complaint has not been properly verified as required of a pleading under Rule 1024(a), and must be stricken. These pleadings were signed by Plaintiff's counsel, Benjamin R. Bibler, Esquire, who has represented Plaintiff since at least September 5, 2007 and, thus, has had more than twelve (12) months to obtain and substitute a proper verification but failed to so. Counsel's claim that a verification could not be obtained within that time frame and the fact that no substitution of verification has been made as of this date is implausible. The verification fails to contain a written explanation of the reasons why a verification by the plaintiff could not be obtained within the time allowed by law. See Commonwealth Financial Services v. Scott Miller, No. AR04-4572, s//p op., (PA Court of Common Pleas, 2004) citing the case of Rokebv-Johnson v. William Moenniaand Son. Ltd , 41 D.&C.3d 594,597-98 C.P. Phila. 1984). Likewise, it is patently disingenuous of plaintiff's counsel in the present case to baldly claim that a verification could not be obtained within the time limit. Under Pa. R.C.P. 1028(a)(2), a party may preliminarily object by way of a motion to strike off a pleading because of lack of conformity to rule of court. The verification is defective under Rule 1024(c). The verbcation being defective, plaintiffs' complaint is not properly verified as required of a pleading under Rule 1024(a), and must be stricken. The verification to plaintiff's complaint was not made by one of the Plaintiffs, but rather was made by Plaintiff's attorney, Benjamin R. Bibler, Esq. Pa. R.C.P. 1024(c) requires that: The verification shall be made by one or more of the parties filing the pleading unless all the parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of his information as to matters not stated upon his own knowledge and the reason why the verbcation is not made by a party. The verbcation to plaintiffs complaint does not set forth the source of plaintiffs attorney's information as to the matters contained in the complaint. Further, the reason given by plainfiffs attorney why the verification could not be. taken by the plaintiff is a follows: "... plaintiff is verifying the foregoing Complaint because plaintiff's officers and/or representatives are outside the jurisdiction of the court and the verification of none of them could be obtained within the time required to file this pleading." This action commenced on or about September 5, 2007, nearly twelve (12) months ago. Although the complaint was filed on or about September 5, 2007. Counsel's claim that verbcation could not be obtained within that time frame and the fact that no substitution of verification has been made as of this date is implausible. Refer to all other responses incorporated hereto. WHEREFORE, Defendant respectfully requests that Plaintiffs' action against Defendant be stricken and be moved for a Motion for this action to be dismissed against the Defendant with prejudice. DATE: e rah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant Pro se CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Motion to Overrule Plaintiff's Objection to Defendant's Motion to Compel was furnished by U.S. Mail, first class, postage prepaid on this 2~' day of August, 2008, to: Benjamin R. Bibler, Esquire WELTMAN, VVEINBERG & REISS CO., L.P. 2718 Koppers Building 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plaintiff Dated: ~ d Debo Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant Pro se c"'~ C;:{~ ,,-"- ' n =` ~; G.m? ....~ "' ~ >} IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff v. DEBORAH GRAHAM, Defendant CIVIL ACTION -LAW N0.07-5313 (JURY TRIAL DEMANDED) ANSWER AND OBJECTION TO PLAINTIFF'S MOTION FOR A PROTECTION ORDER UNDER Pa.R.C.P. 6 4012 AND NOW COMES, Defendant, Deborah Graham, and hereby files this Answer and Objection to Plaintiffs Motion ForA Protection Order Under Pa.R.C.P. §4012. Plaintiff commenced this civil action against Defendant Deborah Graham and filed its complaint thereafter in the Court of Common Pleas of Cumberland County on September 5, 2007. At such time, Plaintiff filed its complaint but failed to attach a signed contract, the charge slips, or the application for the credit card. By failing to attach a signed credit application or the terms and conditions agreed to in writing by Defendant Graham, Plaintiff has not complied with Rule 1019 of the Pennsylvania Rules of Civil Procedure, which requires that where a claim or defense is based upon a writing, the pleader shall attach a copy of the writing, or the matierial part thereof. In both Worldwide Asset Purchasing LLC, v. Nancy A. Stem, and a companion case Commonwealth Financial Systems, Inc. vs. Scott Miller, No. AR04-4429, slip op., (PA Court of Common Pleas, 2004), Judge Wettidc sustained preliminary objections and issued an order striking the complaint #or failure to attach a signed copy of the credit card agreement. 2. Defendant filed and served an Answer, New Matter and Counterclaim to Plaintiffs Amended Complaint on May 23, 2008 along with the first set of Interrogatories and Request for Production of Documents upon Plaintiff. 3. On or about July 7, 2008 Plaintiff filed Preliminary Objections to Defendant's Counterclaim however, this document DID NOT contain or include any such letter from Bejamin R.Bibler, Esquire dated July 1, 2008 as he refen~nced in Plaintiff's Response to Defendant's Motion to Compel ie. Exhibit A stating he would not answer the discovery requests until his clients Preliminary Objections are resolved. The alleged letter of July 1, 2008 was either purposely omitted or drafted after the fact and never provided to Defendant until it was used as an Exhibit in Plaintiffs Motion for Protective Order filed on or about August 3, 2008. In addition, Defendant has NEVER received ANY cover letters from the Plaintiff since the onset of these pleadings. As further noted, Plaintiff has NEVER even so much as dated ANY of his pleadings filed with this court except for what appears on the Cert~cate of Service forms when they are filed with this Court. Had Plaintiff's counsel sent such a letter to Defendant, Defendant would have attached the letter to her own Motion To Compel because this letter is improper for purposes of timely filed objection to Defendant's discovery requests. 4. Further, Plaintiff failed to timely respond to Defendant's New Matter pursuant to Pa. R.C.P. §1026 and Plaintiff did not timely or properly object to Defendant's discovery requests as required by Pa.R.C.P.§4006 (2)(a). fns#ead Plaintiff was silent until he filed for a Protective Order with this Court on or about August 8, 2008 some three (3) months later which was well beyond the thirty (30) day time line. Thereforeto, Plaintiff has waived the right to file objections under said Rule. Where a party fails for a period of months after service either to object to or answer interrogatories addressed to the opposing party, an objection thereto raised or the first time was denied and Defendant's motion for sanctions was granted. _, J.J. White. Inc. v. Buckley 8< Co., 65 D. & C.Zd 794, Pa.Comm.Pl. (1974). 5. On or about July 10, 2008 Defendant filed a Motion to Compel, which was more than thirty (30) days after service of the discovery on the Plaintiff. Plaintiff has yet to respond in any fashion to Defendant's discovery requests in the form of answers to interrogatories and/or request to produce document. It should be dually noted here that the filing of a motion for protection order does not stay the discovery requests unless the courts so orders under Rule 4013 whereby this court has not so issued. 6. On or about August 8, 2008 Plaintiff filed with this Court their Motion for Protective Order Under Pa.R.C.P. §4012 stating that: the documents requested are not relevant to the subject matter involved in the pending action, such as her requests, inter alias to identify any person who participated in sending documents or communication with the Defendant; to Plaintiffs net profits in each of the last four years, and to identify, how many unsolicited credit card offers Plaintiff mailed in the last four years." Plaintiff has not pled with specificity as to how it would be harmed in producing this information and/or these documents as required in Pa.R.C.P.§4012. The moving party (Plaintiff) has the burden of showing "good cause" demonstrating why the court should enter a protection order on its behalf. Objections must be speck and must be accompanied by a detailed explanation of why a particular request is objectionable. Hilton v. Willou~ht 13 Pa. D. & C. 3d 587 (1980); Car~nev v. Brillson, 68 Pa. D & C. 2d 764 (1975); and Ruddy v. Pa Gas and Water Co., 36 Pa. D. & C. 2d 705 (1965) and Nordmark v. Phillius. 26 Monroe L.R. 192. When in fact the requested documents are relevant under the Pa.R.C.P. as stated: 4Rule 4003.1 incorporates the broad Federal discovery rule and replaces former Rule 4007(a), which had provided a more limited scope of discovery. Rule 4007(a) limited discovery to any matter not privileged which is relevant to the subject matter involved in the action and "will substantially aid in the preparation of the pleadings or the preparation or trial of the case." Fed. R.Civ.P. 26(b)(1), from which Rule 4003.1 is taken almost verbatim, permits discovery of all relevant matter not privileged, whether it relates to a claim or defense. It is not restricted to preparation of pleadings or the tria{ of the case. It is not ground for objection that the information sought will be inadmissible at the trial if the information sought appears reasonably calculated to lead to discovery of admissible evidence. Further widening of the scope of discovery follows from the deletion of former Rules 4011(d) and 4011(f), which restricted discovery of material prepared for trial or in anticipation of litigation and discovery of expert opinions. The effect of these omissions is discussed in the comments to Rules 4003.3, 4003.4 and 4003.5." Also under said Rules as an "Official Note ": " Motions for a protective order are governed by the motion rules, Rule 208.1 et seq. A court of common pleas, by local rule numbered Local Rule 208.2(e), may require that the motion contain a cert~cation that counsel has conferred or attempted to confer with all interested parties in order to resolve the matter without court action. 7. Plaintiff in this regard has not provided sufficient proof or documentation that he had attempted to confer with all interested parties in order to resolve the matter without court action nor has he made any attempts to provide Defendant with any "good faith intentions" of the validity of this claim filed hereto yet continues to boggle the Defendant and this court with frivolous, unnecessary and repetitive paperwork. 8. By way of further response on July 8, 2008 Defendant received Plaintiff's Preliminary Objections to Defendant's Counterclaim however, the documents DID NOT contain or include any such letter from Attorney Bibler dated July 1, 2008 as he referenced in Plaintiff's Response to Defendant's Motion to Compel ie. Exhibit A stating "he would not answer the discovery requests until his clients Preliminary Objections are resolved." The alleged letter was either purposely omitted from the contents of the pleading package and/or was purposely drafted after the fact and never provided to Defendant, making a claim and stating the Defendant refuses to extend any courtesy to Plaintiff regarding these requests bringing upon the Motion to Compel before this Court. Nonetheless, Plaintiff failed to file objections to the discovery materials within the appropriate time limit set by the Pa.R.C.P.§4011. An objection to interrogatories or other discovery under Pa.R.C.P. §4006(a)(2) (42 Pa.C.S.A.) or an application for protective order under Pa.R.C.P.§4012 (42 Pa.C.S.A.) must be filed before the party seeking discovery has filed a motion for sanctions or other motion seeking to enforce compliance with the discovery requests or else the objection or the grounds upon which the protective order is sought will be waived. Mountain View Condominium Owners' Association v. Mountain View Associates. 9 D. & C. 4th 81. Pa.Com.Pl. 1991. Plaintiff in their Motion for Protective Order also failed to address the manner in which each item is violative of such provision, where said courts have refused to grant a Protection Order and Dismiss the Plaintiff s Objections. Pa.Com.P1.1970 Ebersole v. Dinutos, 13 Lebanon 4, and Pa.Com.P1.1970 Uastitl y. Jamesway, 31 Som.L.J. 211. J.J. White, Inc. v. Buckley ~ Co., 65 D. & C.2d 794, Pa.Comm.Pl. (1974). In addition, Superior Court Judge Wieand held that PA. Court of Common Pleas, Chester County trail court did not abuse its discretion by dismissing a complaint with prejudice as a sanction for plaintiff's willful disregard of discovery rules and two orders which court had entered directing discovery, particularly in light of fact that defendant had been prejudiced by plaintiffs failure to provide necessary discovery. Pride Contractins~. Inc. v. Bishn Construction, Inc. (1989), 553 A2d. 82. Affirmed. Pa. Civil Practice Fourth Edition Chapter 32.02 (by Hess) Frivolous filings Rule 1023.1 "Pa.R.C.P. 1023.1(c) "the signature of an "attorney"...constitutes a certification...formed after a reasonable inquiry under the circumstances that, (1) it is not being presented for any improper purpose... (2) the claims, defenses or other legal contentions therein are warranted boy existing law..(3) factual allegations have evidentiary support, or if spec~cally so identified are likely to have evidentiary support after a reasonable opportunity for further investigation for discovery; and (4) the denials of factual allegations are warranted on the evidence or if spec~cally so identified, are reasonably based on a lack of information or belief." Pa. Civil Practice Fourth Edition Chapter 32.02 (by Hess) Frivolous filings Rule 1023.1 Explanatory Comment 2002, III Sanctions: "The factors that a court may consider include the following: whether the improper conduct was willful or negligent; whether it was part of a pattern or activity or an Isola#ed event;...whetherthe person has engaged in similar conduct in related litigation; whether it was intended to injure; what effect it had on the litigation process in time or expense..what amount is needed to deter that person from repetition in the same case; what amount is needed to deter similar activity by other litigants." 9. If in fact, the Plaintiff s Counsel does represent the actual Plaintiff, Capital One Bank, then the requested documents are and should be in the access and control of said Plaintiff and easily accessible without incurring any undue hardship, embarrassment or cost to photocopy which is obviously relevant to the evidence of this case by which the Defendant has every right to obtain in which to provide an adequate defense by way of the allegations as presented relevant to the Counterclaims filed against the Plaintiff by the Defendant. "All discovery comes with some measure of annoyance and burden that must be tolerated." Merrifield v. Gaven 10 Pa. D. & C. 4~' 541 (1991) Klein v. Commonwealth of Pa, 9 Pa. D. & C. 2d 792 (1957). "Mere annoyance embarrassment and expense is not enough to sustain objections or to warrant a protection order." Miller v. Bethlehem Steel Co 56 Pa. D & C. 2d 269 (1972). "Additionally, the mere fact that discovery will be time consuming, burdensome and costly is not grounds for objection or protection orders if this is the inevitable result of the facts under examination." NardeN v. Scranton-Sarinsf Brook Water Service Co., 24 Pa. D. & C. 2d 663 (1961). Explanatory Note under Pa.R.C.P. §4012 states: "Under the prior practice, protective orders were available in depositions or discovery on oral examination (Rule 4012) or on written interrogatories (Rule 4004(e)). They were not spec~cally included in interrogatories to parties (Rule 4005) or in general discovery (Rule 4007). The amendment provides a comprehensive Rule which covers all depositions and all discovery. This follows Fed. R.Civ.P. 26(c). The eight subdivisions of prior Rule 4012(a) remain, with stylistic changes which broaden their scope. No major change is made in principle. A new ninth subdivision is added, transposing the provisions of former Rule 4011(c) dealing with trade secrets, research and development. The nine subdivisions are defined as examples of the broad principle of protecting against "unreasonable annoyance, embarrassment, oppression, burden or expense." The power of the court should be adequate to famish any needed pro#ection. A self-explanatory clause is added at the end of subdivision (a) empowering the court, if it denies the protective order, to order that discovery go forward. " If the Plaintiff truly believes they will suffer from any "annoyance, embarrassment, oppression, burden or expense" within the normal course of their business then they should of considered adopting better business practices prior to soliciting business from the public and asking them to sign confidentially agreements prior to doing business in the Commonwealth of Pennsylvania. They certainly should of considered these factors prior to filing civil action in this case where this type of discovery is not only warranted but crucial to the evidence in preparation of a defense especially when the Plaintiff remains consistent in stating one thing and doing another to further confuse this court and prejudice the Defendant. Plaintiff is not entitled to a protective order where Defendant's discovery requests were within the scope of the discovery rules and where Plaintiff failed to establish that compliance would cause unreasonable annoyance, burden, expense and oppression. Varian Enterprises. Inc. v. Susauehann~ Township, Pa.Com.Pl. 1998 Dauphin, 41 D. & C 4th 534. Frank v. Bartschi, 16 Chest. 323. Pa. Com.Pl. 196$, Frank v. Philadelphia, 38 D. & G. 2d 487, Pa.Com.Pl. 1965. 10. Defendant's discovery requests are not outside of the scope of permissible discovery when in fact, these requests are simple enough to understand and provide Defendant with appropriate documentation for which a defense can be provided according to the Rules of Civil Procedure and PA State Law. 11. These arguments presented here by the Plaintiff is simply a "smoke screen" to waste the precious time of this Court and to side track this Court of the real Legal Issues at hand in the course of following the Rules of Civil Procedure pursuant to discovery issues by arguing with the enforcement of the compliance with said Rules of Civil Procedure by the Plaintiff who has recklessly entered this Court with less than credible evidence of their claim. 12. Plaintiff claims no prejudice would occur to Defendant by postponing Plaintiff's responses when already Defendant has been prejudiced by all these outlandish delays and smoke screens by Plaintiff when in fact these objections are not premature, harassing or unduly burdensome but in fact, a crucial part of the evidentiary process in which to properly prepare a defense. By failing to produce the very same documents that it authored and now re#ains possession of, Plaintiffs boiler-plate, cookie cutter preliminary objections filed on or about July 3, 2008, are frivolous and has been improperly interposed to stall discovery and to harass Defendant. See Pa. Civil Practice Fourth Edition Chapter 32.02 (by Hess) Frivolous filings Rute 1023.1. Sanctions to be imposed for discovery violation is left to sound discretion of trial court; however, since dismissal is most severe sanction, it should be imposed only in extreme circumstances, and trial court is required to balance equities carefully and dismiss only where violation of discovery rules is willful and opposing party has been prejudiced. In determining sanctions to be imposed for discovery violation, courts weigh factors of nature and severity of violation, defaulting party's willingness or bad faith, prejudice to opposing party, ability to cure prejudice and importance of precluded evidence in light of failure to comply. Pa.R.C.P. §4019, 42 Pa.C.S.A. Stewart v. Rossi, 681 A.2d 214, 452 Pa.Super 120, appeal denied, 689 A.2d 235, 547 Pa. 731. 13. Defendant believes and avers the Plaintiffs Counsel does no# actually represen# the client, Capita! One Bank but is in fact; just an independent debt collection agency and/or debt collector who is attempting to collect a debt without any substantial proof there is in fact a debt owed. This is evident by way Plaintiff fails to produce a signed agreement making Plaintiff's claim based on reprehensible behavior and deceptive business practices. Furthermore, it is also believed by the Defendant that the Plaintiff is unable to produce or obtain any discovery documents requested by Defendant which would allow the evidence to be substantiated before this Court providing an adequate defense for the Defendant because Plaintiff does not represent the client, Capital One Bank but is in fact just a debt collection agency. 14. The Preliminary Objections filed by Defendant in the present case, are the same objections that Judge Wettick and the Pennsylvania Superior Court affirmed when dismissing the debt collector's complaint. Accordingly, the substance of Plaintiff's Amended Complaint violates the Pennsylvania Rules of Civil Procedure and should be stricken. Worldwide Asset Purchasing LLC, v. Nancy A. Stern, No. AR04-4429, slip op., (PA Court of Common Pleas, 2004), Atlantic Credit and Finance Inc v. Giuliana, 829 A.2d 340, (Pa. Super. 2003). 15. The verification to plaintiff's complaint was not made by one of the Plaintiffs, but rather was made by Plaintiff's attomey, Benjamin R. Bibler, Esq. Pa. R.C.P. 1024(c) requires that: The verification shall be made by one or more of the parties filing the pleading unless all the parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of his information as to matters not stated upon his own knowledge and the reason why the verification is not made by a party. , 16.The verification to plaintiffs complaint does not set forth the source of plaintiff's attorney's information as to the matters contained in the complaint. 17. Further, the reason given by plaintiff s attomey why the verification could not be taken by the plaintiff is a follows: "... plaintiff is verifying the foregoing Complaint because plaintiff's officers and/or representatives are outside the jurisdiction of the court and the verification of none of them could be obtained within the time required to file this pleading." 18. This action commenced on September 5, 2007, nearly twelve (12) months ago. Although the complaint was filed on September 5, 2007. Counsel's claim that verification could not be obtained within that time frame and the fact that no substitution of verification has been made as of this date is implausible. 19. The verification to plaintiffs' complaint is defective under Rule 1024(c). 20. The verification being defective, plaintiffs' complaint is not properly verified as required of a pleading under Rule 1024(a), and must be stricken. 21. Likewise, it is patently disingenuous of plaintiff's counsel in the present case to baldly claim that a proper verification be obtained within the time limit. Under Pa. R.C.P. 1028(a)(2), a party may preliminarily object by way of a motion to strike off a pleading because of lack of conformity to rule of court. The verification is defective under Rule 1024(c). The verification being defective, plaintiffs' complaint is not properly verified as required of a pleading under Rule 1024(a), and mus# be stricken. WHEREFORE, Defendant requests the following relief: A. Defendant respectfully requests that Plaintiffs' Protection Order be stricken and sanctions imposed by a dismissal of this complaint from the record against the Defendant with prejudice. B. An order (i) entering declaratory relief of rescission for the Defendant, (ii) voiding any interest, costs or fees charged or obtained by Capital One Bank, and (iii) providing actual damages and costs to the Defendants; C. An Order providing equitable and monetary damages to Defendant under the CPL, including treble damages and costs; D. An Order declaring Capital One Bank's credit card transactions void and unenforceable due to their unconscionability under Pennsylvania state law; E. Such other relief at law or equity as this Court may deem just and proper. Dated: ~ ~ Deborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant, Pro-Se CERTIFICATE OF SERVICE 1 HEREBY CERTIFY that a true and correct copy of the foregoing Defendant's Objection to Plaintiff's Motion for a Protection Order Under Pa.R.C.P. § 4012 was furnished by U.S. Mail, first class, postage prepaid on this 27th day of August, 2008, to: Benjamin R. Bibler, Esquire WELTMAN, WEINBERG & REISS CO., L.P. 2718 Koppers Building 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plaintiff Dated: ~ Deborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant, Pro-Se ~: ~l IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff' v. DEBORAH GRAHAM, Defendant TO: CIVIL ACTION -LAW N0.07-5313 NOTICE TO PLEAD Benjamin R. Bibler, Esquire WELTMAN, WEINBERG 8~ RE1SS CO., L.P. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plainttff You are hereby notified to fife a written response to the enclosed DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S REPLY TO DEFENDANT'S ANSWER WITH NEW MATTER AND COUNTERCLAIMS within twenty (20) days from service hereof or a judgment may be entered against you. Dated: U h raham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff CIVIL ACTION -LAW v. . DEBORAH GRAHAM, : N0.07-5313 Defendant DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S REPLY TO NEW MATTER Defendant, Deborah Graham, preliminarily objects to Plaintiffs Reply to Defendant's New Matter, as follows: 1. PRELIMINARY OBJECTION RASING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 1. Pa. R.C.P. No. 1026 requires that every pleading subsequent to the complaint shall be filed within twenty days after service of the preceding pleading. 2. On May 23, 2008, Defendant filed her Answer With New Matter and Counterclaims to Plaintiffs Amended Complaint and her pleading was endorsed with a notice to plead. 3. On or about August 5, 2008, well beyond the twenty-day filing period required by Rule 1026, Plaintiff files its Reply to Defendant's New Matter, along with its responses to Defendant's Motion To Compel Discovery. 4. Plaintiff did not obtain an extension by written agreement of the parties or by order of court in order to file its pleading beyond the 20-day time period prescribed by Rules 1026 and 248. 5. Plaintiff's Reply to new matter does not comply with rule of court or law and Plaintiff offers no explanation or excuse for its late filing. Further, Plaintiffs fate 2 filing is prejudicial to Defendant, who has suffered from Plaintiffs refusal to comply with her discovery request and from having to answer or respond to frivolous motions or pleadings filed by Plaintiff in order to harass Defendant and cause her undue burden and expense. 6. Accordingly, Plaintiff's Reply to new matter should be dismissed for failure to comply with rule of law or court. WHEREFORE, Defendant, Deborah L. Graham respectfully requests that Plaintiff's Reply to Defendant's New Matter be dismissed for lack of conformity to the Pennsylvania Rules of Civil Procedure. 11. PRELIMINARY OBJECTION RAISING /NStJFFICIENT SPECIFICITY OF A PLEADING. 7. Paragraphs one through six are incorporated by reference as if set forth at length herein. 8. Pa. R.C.P. 1029 requires a responsive pleading to admit or deny each averment of fact in the preceding pleading or any part thereof to which it is responsive. 9. Furthermore, Pa. R.C.P. 1029 provides that averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. Further, a general denial shall have the effect of an admission. 10. Each and every averment contained in Plaintiffs Reply to Defendant's New Matter fails to admit or deny the averments of fact contained in Defendant's New Matter or otherwise fails to comply with the requirements of Rule 1029 regarding denials. 11. PlaintifF's Reply to New Matter fails to admit or deny the factual allegations contained in paragraphs 8 through 25 of Defendant's Answer with New Matter and Counterclaims when it is clear that Plaintiff must know whether the particular allegation is true or false. Cercone v. Cercone, 254 Pa.Sper. 381, 386 A.2d 1 (1978). 3 u 12. The allegations contained in Defendant's New Matter, paragraphs 8 through 25 should be deemed admitted or, alternatively, Plaintiff should be required to file a responsive pleading in compliance with Rule 1029. WHEREFORE, Defendant respectfully requests this Court to dismiss Plaintiff's pleading or require that Plaintiff plead more specifically the averments of its Reply to Defendant's New Matter. Ill. PRELIMINARY OBJECTION RAISING FAILURE TO CONFORM TO APPLICABLE RULES OR LAW. 13. Paragraphs one through twenty are incorporated by reference as if set forth at length herein. 14. The verification to plaintiff's reply was not made by a party, but rather was made by plaintiff's counsel and without complying with Rule 1024. 15. Pa. R.C.P. 1024(c) requires that: The verification shall be made by one or more of the parties filing the pleading unless all the parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verbcation of none of them can be obtained within the time allowed for Kling the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of his information as to matters not stated upon his own knowledge and the reason why the verification is not made by a party. 16. The verification to plaintiff's reply does no# set forth the source of the information as to the matters contained in the reply. 17. Furthermore, no reason is given why a party does not make the verification, in light of the protracted discovery motions and other delay engaged in by plaintiff. 18. The verification to plaintiffs' reply is defective under Rule 1024(c). 19. The verification being defective, plaintiff s Reply to Defendant's Answer With New Matter and Counterclaims is not properly verified as required of a pleading under Rule 1024(a), and must be stricken. 4 WHEREFORE, defendant respectfully requests that plaintiff s reply be stricken for failure to comply with rule of law or court. Dated. Respectfully submitted Deborah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant, Pro-Se 5 CERTIFICATE OF SERVICE HEREBY CERTIFY that a true and correct copy of the foregoing Preliminary Objections was furnished by U.S. Mail, first class, postage prepaid on this 2~' day of August, 2008, to: Benjamin R. Bibler, Esquire WELTMAN, WEINBERG & REISS CO., L.P. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Attorneys for Plaintiff Dated: C~ orah Graham 902 Allenview Drive Mechanicsburg, PA 17055 Defendant, Pro-Se 6 ~~ ~~ C.^.a (~~ "1"S CM'. t~ ~, ,~~1 l ` ~ 1-, .~..i ~~;z ..3 ..t. .. , ..~' -~>. '~~ . ~_- ,'~ ft ~~, w^.• CAPTIAL ONE BANK IN THE COURT OF COMMON PLEAS OF PLAINTIFF :CUMBERLAND COUNTY, PENNSYLVANIA V. DEBORAH GRAHAM, DEFENDANT NO. 07-5313 CIVIL ORDER OF COURT AND NOW, this 5~" day of September, 2008, upon consideration of the Defendant's Motion to Overrule Plaintiff's Objections to Defendant's Motion to Compel and the Plaintiff's Response to the Defendant's Motion to Compel, IT IS HEREBY ORDERED AND DIRECTED that the Defendant's Motion to Overrule is DENIED. IT IS FURTHER ORDERED AND DIRECTED that no discovery shall occur in this case until resolution of the Plaintiff's Preliminary Objections to the Defendant's Counterclaim. By the Court, M. L. Ebert, Jr., J. ~njamin R. Bigler, Attorney for Plaintiff ~borah Graham Defendant bas Esquire V 1 _ -- L. ~ ~ `7 ~d S- ~S ~~0~ CAPTIAL ONE BANK IN THE COURT OF COMMON PLEAS OF PLAINTIFF :CUMBERLAND COUNTY, PENNSYLVANIA V. DEBORAH GRAHAM, DEFENDANT NO. 07-5313 CIVIL ORDER OF COURT AND NOW, this 5th day of September, 2008, upon consideration of the Defendant's Motion for Sanctions and after examination of the various pleadings filed by the parties in this case, IT IS HEREBY ORDERED AND DIRECTED that the Motion for Sanctions is DENIED. /Benjamin R. Bigler, Esquire Attorney for Plaintiff ~borah Graham Defendant ~ ~ ~ ..n bas By the Court, ~~ M. L. Ebert, Jr., J. o~~ 1 - ~ ] ~"~{ i ~ 1 ij^,^a ,{ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff No. 07-5313 CIVIL TERM vs. JOINT PRAECIPE TO SETTLE, DISCONTINUE AND END WITH PREJUDICE DEBORAH L GRAHAM Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R. Bibter, Esquire PA I . D #93598 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06047316 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. Civil Action No. 07-5313 CIVIL TERM DEBORAH L GRAHAM Defendant JOINT PRAECIPE TO SETTLE DISCONTINUE AND END WITH PREJUDICE TO THE PROTHONOTARY OF CUMBERLAND COUNTY: By joint request of the Plaintiff and Defendant, kindly Settle, Discontinue and End both the original action and the Counterclaim in the above-captioned matter upon the records of the Court and mark the costs paid. WELTMAN, WEINBERG & REIS CO., L.P.A. ey: Attorney for Plaintiff Benjamin R. Bibler, Esquire 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06047316 DEBORAH L GRAHAM By: ,_ ___ Pro- efendant DEBORAH L GRAHAM 902 ALLENVIEW DR MECHANICSBURG,PA 17055 Sworn to and subscribed before a is ~ day of e.- , 2008 COMMONWEALTH QF PENNE'VL1iANIA Notarial Sea! Wayne A. Jones, Notary Public City Of Pittsburgh, Allegheny County -NY Commission moires June 29, 2010 Member, Pennsylvania Association of Notaries Sworn to and subscribed before met is ~~ day ~~'F" , 2008. „ .~~ ~~ Notary Publlc Con~~o~c.~ea/,~y~/~nnsy//an~ac NOTARIAL S L Parvin M. Mehrtash, Notary Public Upper Allen Twp., Cumberland County My Commission Fires March O6, 2012 ra C. -p~ ~~~ ~rs , N ~~' ~ t ~-' ' ~~ '^ ~^°' ~1 " ' ~, J'"r ~~ l ..lr h, E..--j •L-. ~'"~~. ~-"!~