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HomeMy WebLinkAbout07-7701i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff No vs. COMPLAINT IN CIVIL ACTION PETER ISCARIOT 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 06139665 C A Pit LXR IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff VS. Civil Action No PETER ISCARIOT 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 6851 JERICHO TURNPIKE #190 SYOSSET , NY 11791 . 2. Defendant is adult individual(s) residing at the address listed below: PETER ISCARIOT 4173 GROUSE CT APT 104 MECHANICSBURG, PA 17050 3. Defendant applied for and received a credit card bearing the account number 4862362202752625 4. Defendant made use of said credit card and has a current balance due of $3931.49 , as of December 10, 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 0.0000 per annum on the unpaid balance from December 10, 2007 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 11111 and made a part hereof. 4 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 , PETER ISCARIOT , INDIVIDUALLY , in the amount of $3931.49 with continuing interest thereon at the rate of 0.000% per annum from December 10, 2007 plus costs. James C. WELTMAN, 436 Sev Pitt sb (412) 3 FAX: 12 0613 66A Fwa mnroat, 42524 WE NBERG & REIS CO., L.P.A. t Avenue, Suite 2718 h PA 15219 7955 338-7130 C A Pit LXR This law firm is a debt collector attempVing to collect this debt for our client and any information obtained will be uu5ed for that purpose. to r First 3 months half-price 97 4 a month; 59.88/mo. thereafter SIGN UP TODAY1 ' 1-877-7784207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral CapitalQwa AccountSunuttary Previous Balance $3,811.03 Payments, Credits and Adjustments $.00 Transactions $3500 Finance Charges $85.46 New Balance $3,931.49 Minimum Amount Due $3,931.49 Payment Due Date August 06, 2005 Total Credit Line $3,000 Total Available Credit $.00 Credit Line for Cash $1,500 Available Credit for Cash $.00 PLATINUM VISA ACCOUNT 4862-3622-0275-2625 JUN 08 - JUL 07, 2005 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 07 JUL PAST DUE FEE $35.00 "Notice of Change In Account Terms" 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 payment for two consecutive billing periods, all rates may increase to the Default APR previously disclosed to you. All other terms and conditions on your account remain in effect. You were assessed a past due fee of $35.00 on 07/07/2005 because your minimum payment was not received by the due date of 07/07/2005. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. At your service To call Cnav""' Relation. or to retort a loot or stolen card: 1-800-903-3637 Send payments to: Send inquiries to: Attn: Remittance Procn.ing Capital One Bank Capital One P.O. B. 790216 P.O. Boa 30285 St. Louie, MO 63179-0216 SLC, UT 84130-0285 ?u ?wr Finance Charges Please see reverse ridejor important information V rat` .yptisdro Periodis >ars Cwrrtpmd 6 ?sF APR E ^ CASH 83,749.02 $103.15 .0739596 P .0739596P 26.99% $83.17 26.99% 12.19 ANNUAL PERCENTAGE RATE applied this period 26.99% /1. T PLEASE RETURN PORTION BELOW WITH PAYMENT T Capffalow* 0000000 0 4862362202752625 07 3931490083003931492 New balance So 931.49 Minimum Amount Due $3,931.49 Payment Due Date August 06, 2005 Total enclosed $ Amount Number. 4862-3622-0275-2625 Pbm'sP^"t-^diasadJ su anb s-inailrlxnds. brlom rein, ki or $! kink. Street Apr Y ?'ry Snte ZIP Home Phone Ahernaa Phone #9018956580575516# MAIL ID NUMBER Capital One Bank PETER ISCARIOT P.O. Box 790216 4173 GROUSE CT St. Louis, MO 63179-0216 MECHANICSBURG PA 17050-9116 Please uniteyour account number onyow check or money order madepayable to Capital One Bank andmail in the enclosed envelope. ooa peoplepc, online *_? A better 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 11 Smart Dialer Phisher Security Internet Cali Waiting r O peoplepcm online u A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepo.com/go/coral PeoplePCs solety responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown two. Any trademarks mentioned herein 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 - for examples, 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 now diahup subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1.888-5TRYNOW. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even cluing trial periods. You are responsible for determining 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-up numbers may be changed at PeopfePCs discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. AN Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. AN rights reserved. g O I N I O hN ppere odic rate. To obtain the average daily balance for the billing period covered by this statement, we take the t=n balance of each segment each day, add any new irensettiana to each segment, and wbtmct any rent. or credits. (If the code N appears on the froun of this .mumom next to -Bdence Rate Applied To,- wa also subtract any unpaid finance charge included in the balance of each wi mern.) This gives us the daily balance of each segment . Than, we add up all the dallyy balances for each a gman for the billing period and divide by the teal number of days in the billing pedod. This giws us the average daily balance of each segment. 3. Annual Pat. ' -e Rata IAPRI• a. The term 'Amaral Percentage Rata' may appear as APR- on the from of thin mtamm . It. If the code P (Prime), L 13-mo. LIBOR), C (Cenificate of Deposit), or S lBankcad Prime) appeam an the front of this statement next to the periodic ratele), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based the stated indices, as found in The Was Street Journal,, plus the margl p 'ouely disclosed to you. These charge. WIN be affective an the filar day of your billing pedod covered by your periodic statement ending in the months January, April, July and October. c. If the code D (Prime), F (1-mo. LIBOR) or a (3-mo. LIBOR Repriced Monthly) appeau on the front of you statement next to the periodic ratels), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may iroreese or decrease based on the sated indices, as feud in The We Street ?eame!, plus the margin preoiourly disclose l to you. These charges will be effect'- an the first day of your bluing period each mash. 4. Assasmrd of Late, ovarlknk and Retuned PMmrrt Faas. Your account will be amassed m more than two of tie tees listed here that occur cluing any aping period. Under the terms of your customer agreement, we reserve the right to aiw or not to assess any fees without poor notificetim to you without w.I Ang our right to assess the eame or aintil., fcea at a later time. 5.tRwsvskrg You Aoaaud. 11 a membership foe appears on the trait of this statement, you haw 30 days from the dote thin statement was monied to You to avid psyirp the fee or to haw such fee credited to you if You coned Your account. During this period, you may continue to use your account without having to pay the memhan -P fee To cenoel your accoas, yon onus ratify uycalling our Cusomer Reations Department and emby your brship fee) prior tonths end of (the W excluding period. m 8. If You Class Yeu Astam nt. Yen can request to close yyoouur account by calling our Customer Relations Dapenment . You mum destroy your credit cab(e) and account access checks, cance l ell preauthorized bifiing, and cease tairp your accent. If you do not cencd prnauhodzed billing arrangements, we will consider fecdpt of a charge your authorization to reopen your accent. Addiff=11Y. your accent 'AN rot be dosed until you pay all amounts you owe us including: any transactions yon hew eNharizad, finance charges, past due fees, owrilmit fees, retuned payment hear cash advance feea end any other fees auessod to your ours. You ere resparible fen these arm. wietier they appear on your acourt at the time you request to close the actors or they are bxorred subsequent to your request to dose the account. This may result in charges appearing on your account after you hew your account if it has already been closed. For example, if you authorized a purchase from a merchant and we receive the transaction from the merchant attar your accaus has been dosed, your account will be reopened, the ayymoouuaurt a(1M chsrpe will be added to your accornt, mem p yment. It there is e and will for ble for pa to be Hared, lee tot Your axte 1 pemr tthe ried bbyy lawwill , until the acceurs balance hoe loam paid "Kill as defined above. 7. Using Ysts Aseoumri.Yonr card or accent carrot be used in connection with any Internet gambling trarvactione. 0. ibtfee Abed E waste', Chaek Conversion. When you provide a Hack as payment, you authorize us either to use information from Your check to make a me-time el-Int c fund transfer from your bank account or to process the payment as a check trmsection. When we use iniormetion from your check to make an electronic hand transfer, funds may be withdrawn from your bank accora as 80an as the same day we feeeiw r auk and you will not receive your check beck from your fi nenc el root tuion. BILLING RIGHTS SUMMARY Inn Case Of Frrom Or Ouestiora About Your Bill) If you think your bill Is wrong, or if you need more inanmation on a transaction or 6111, write to w on a aparata sheet as soon as possible at the address for irtgulnes shorn on the from of this statement. We must bear front you m later than 00 dayy.e after we sstn you The first bill an which the error or problem appeared. You can call our Customer Relation number, but doI% w will not ppreserve your rights. In your letter, giw us the fdbwving MhlmtaVon: your nma and account number, the dollar :mourn of the suspected error, a description of the error end an explanation, if possible, of by you befiew there is an error; or If you reed gone information, a description of the item you are unsure abort. you do not haw to pay any amour in questiort while we are in-m`gmm t, but you ere mNl oblipeteel to pay the pen. of your b that are rat in quenio. WI . a we imme iilme your question, we cannot report you ea delinquent or take any action to collect the amount you question. $,t Special Rule For Credit Cad Purchases If you haw a problem with the quality of property or seMCam that =P urduaed with a credit card and you haw tried in frith to correct the problem with the merchant, you may haw the right rat to pay the remaining amour due on the prthe ope rty o services. You haw this protection only when purehase price was more than 060.00 anti the purchase was made in your te at ste or within 100 miles of Ysurr mailing eddreas. III` v:, wn or operate the merchant, or if we mabd you the adwrnsement for the property or aervicea, ant purtleaea era covered regardew of amount or location of purchase.) Please remember to sign all c.n.spo Bence. I' Does not apply to ransomer non-credit card accounts I Does not apply to business ran-cred/t card accounts Oro supports information privacy protection: we our ad service mark of Capital his msermd.. 2003 01LGLBAK t a. Grace Pried. You will hove a minimum grace period of 25 days without finance du m new puncheaem, rew balance transfers, new apedal purdtaaea end rew other charges if you pay your total 'New Balance', in :-rd a with the Imponarn Notice for payments below, nd in time for it to be credited by your now statement dosing data. There I. no grace period on cash advances and special tranefers. In addition, there lane gr'Neace period ort any trmmtcdm if you do not pay the total w Imenc b. Aeaukq Fkranee Charge. Trarmalyd- whiff are rat object to a grace period are assessed finance charge t) from the date of the transaction or 2) from the dole the transaction is processed to your Account of 3) from the first calendar day of the current billing period. Additionally, if you did rat pay the 'Now Balance' tram the praNous billing period in full, finance charges continue to accee to you ;m ince until the unpaid balance is paid in full. TTx you mayy still owe finance charges, even if means you pay the and re New aalame indicated on, the from of your statement by the next statement doming date, but did not do so for the prewar month. Unpaid finance charges am sdded to the appppl1icable segment of your Account. t c. Minknun Finrtoa Cfirya. For each billing period that your account is wb,am to a A me charlp, a minimum tool FINANCE CHARGE of 00.50 will b imposed. It the total finance ma rewi Ing ban the. Nicatio of your periodic rate(s) is we titan $0.50, wa will subtract that amount from the 60.60 minimum and the difference will be billed to the Purclsae ant of your aceant. t d. To porary Reduaisn in Floras Chrys. we reserve the right to rot asses any m all finance charges for any given billing period. 2. Average Dally aalwo, Ikrkdrn New Puahmand. a. Finance charge I. calculated y multiplying the daily balance of each segment of your account (a.g., cash advance, purchase, special transfer, and special pumhaw) by tha corresponding daily periodic rate(s) that has been previaatly disclosed to you. At the and of each de during the billing pedotl, we apply the daily periodic rune far each sepnem of your account to the daily balance of each segment. Then at the end of Mot billing period, we add up the resits of these daily celculetiare to ernve et your periodic finance charge I- astd, egmerx. We add up the resusta from ouch 9agrrrent to at the total periodic Pounce large for your accent. To get the daisy Ianee for each eegnent of your accent, we take tha begriming belenee for each aegmmt and add any new tranaactfons and any, periodic finance charge calculated an the prewous day's halnrtce fen that segment. We [hen wbtratt any arm TMso vec us o the cot cloy that am allocated pot h payment. for at sagm t of pl parate daily balance New eaanee shown m your preeions eta em ie Wcan fiil?orha if your new balame wee zero or a credit amount), new transactions which port to your purchase or special pus w eepnmta are not added to the daily balances. We calculate the ewrage daily balance by adding all the daily balances together and dividng the wan by the camber of the days in the arrmt blllirg cycle. To cm uaf your total finenee charge, multiplyy your awrega daily balance by tie daily pa'afic rata and by the rnanher of days In tha billing period. Due to routdrq on a daily basis, there may be a .light variance between this calculation and the amount of finance change actually asme med. b. If the code Z or N apperam on the ban of this statement next to,, Balance Rate Applied To,' we mukiplv the Inpartentclosed remitterxre =e: Payments you mail to us car be credited to your account as of the bu®nass day we mcefw it, provided (1) you send the bottom portion of this seamom ofd your deck in the en envelope sal 12) your Payment is received in our procemar comer by 3 p.m. ET (12 noon PT). items, allow at least Nw (5) business daya IO grid delivery. Payments received by us at any other l mint or many other arm may net be credited as of the day mcdw them. Our business days are Monday through 3atur 1y emkhdideya. part Please do not use ,tapes, paper dips, we. when pro g your payment. When you send us a check(s), you authorize u e to make a one-time electronic transfer debit fr Y.1% nk account for the amour of the check. This authorization applies to all checks receiwd during the billing cycle even if sent by someone else. 11 we carom process the transfer, you authorize us to make a charge against your bank accent using the check, a paper draft or Other item. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating to unsworn falsifications to authorities, that he/she i&,) 2` -" 1? I (NAME) authorized agent of Capital One Bank, plaintiff herein, that he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Complaint are true and correct to the best of his/her knowledge, information and belief. (SIGNATURE) WWR# P N d c:v E1 1 { v "L3 -n rn r^ r1i Tj v,J r40 -G SHERIFF'S RETURN - REGULAR CASE NO: 2007-07701 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK VS ISCARIOT PETER VALERIE WEARY , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon ISCARIOT PETER the DEFENDANT , at 1548:00 HOURS, on the 31st day of December-, 2007 at 4173 GROUSE CT APT 104 MECHANICSBURG, PA 17050 by handing to PETER ISCARIOT 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 18.00 Service 12.48 Affidavit .00 Surcharge 10.00 .00 IJDY,OP' 40.48 Sworn and Subscibed to before me this day of , So Answers: t R. Thomas Kline 01/02/2008 WELTMAN WEINBERG REIS By: L,?z Deputy Sheriff A. D. IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK Plaintiff No: 07-7701 vs. CIVIL ACTION - LAW PETER ISCARIOT Defendant DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT Iscariot( Pursuant to Pa.R.C.P. No 1028, Defendant __. , ?, by and through hIS attorneys, MidPenn Legal Services, preliminarily objects to Plaintiff's Complaint and moves for its dismissal as follows: 1. MOTION TO STRIKE/FAILURE OF PLEADING TO CONFORM TO LAW AND RULE OF COURT 1. Plaintiff filed a Complaint demanding damages in the amount of $3,931.49, plus interest and costs. 2. Plaintiff has failed to attach to the Complaint any signed written contract between Defendant and the Plaintiff. Although this contract would form the very core of Plaintiff's case, such a writing has not been appended to the Complaint, nor its absence explained, as required by Pa.R.C.P. No. 1019(i). 3. Although Plaintiff avers that a credit card was used by the Defendant, no description of goods or services forming the basis for the Complaint were attached to the Complaint. I. 4. In addition, while Plaintiff claims in Paragraph 5 that Defendant defaulted under the terms of the agreement, Plaintiff fails to attach any documentation of charges or payments which would evidence such a default. WHEREFORE, Defendant Howard demands the Plaintiff's Complaint be dismissed. II. MOTION TO STRIKEANSUFFICIENT SPECIFICITY OF PLEADING 5. Paragraph's 1-4 are incorporated herein by reference hereto. 6. As a whole, the Complaint is grossly vague and lacking in factual averments such that Defendant is without knowledge or information sufficient to form a meaningful response and prepare a defense. 7. The Complaint fails to provide any documentation or accounting of charges allegedly made by Defendant, which would support Plaintiff s claim of damages, such as a breakdown of charges, payments, and interest, so that Defendant can properly formulate a response and assert any counterclaims. 8. Given the generality of Plaintiffs allegations and failure to attach any documentation to support its claim, the Complaint fails to satisfy the Pennsylvania Rules of Civil Procedure. -.. WHEREFORE, Defendant Iscariot demands that Plaintiff's Complaint be dismissed. Date: //-71zo MIDPENN LEGAL SERVICES - By: 2j Geoffrey M. Biringer, Esqui 401 E. Louther Street Carlisle, PA 17013 (717) 243-9400 Sup. Ct. ID #18040 CERTIFICATE OF SERVICE 44 I, Geoffrey M. Biringer, Esquire, hereby state that on the/76ay of , 2008,1 served a copy of the within Defendant's Preliminary Objections and Praecipe for Entry of Appearance, by placing same in the first class U.S. mail, postage prepaid, to the following person and at the following address: James C. Warmbrodt, Esquire Weltman, Weinberg, & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 rv eoffrey M. Bi 'nger 401 E. Louther Street Carlisle, PA 17013 (717)243-9400 Supreme Court ID#18040 Ce:: C-? -rz F3 -1 ?,j C?7 :t7 r VS. In the Court of Common Pleas of Cumberland County, Pennsylvania ?-L/ No. C/ '?7ci/ civil. To Prothonotary 19 Attorney for Nww4wd Term. 19 ----- No. vs. PRAECIPE 19 __.-- Filed 1, _4 Atty. Q £ :ZI ! 1J L 1 NIVC 0931 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CAPITAL ONE BANK, Plaintiff., V. PETER ISCARIOT , Defendant NO.: 07-7701 CIVIL TERM TYPE OF PLEADING: AMENDED COMPLAINT FILED ON BEHALF OF: :Plaintiff COUNSEL OF RECORD OF '11IIS PAR'T'Y: Submitted by: Plaintiff Matthew D. Urban, Esquire PA I.D. 90963 WELTMAN, WEINBERG & REIS CO.. L.P.A 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 1.5219 (412) 434-7955 WWR: 6139665 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL, DIVISION CAPITAL ONE BANK Plaintiff vs. Civil Action No. 07-7701 CIVIL TERM PETER ISCARIOT Defendant AMENDED COMPLAINT 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 S1-LOUI.,D TAKE THIS PAPER TO YOUR I_;AWY ,R AT ONCE. ONCE. IF YOU DO NOT IJAVE A LAWYER, GO TO OR TELEPHONE "ITIE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO 1-IIIZE 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 CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREE'T' CARLISLE, PA 1701.3 (717) 249-3166 AMENDED COMPLAINT AND NOW, comes the Plaintiff, CAPITAL ONE BANK and files an Amended Complaint, the following of which is a statement thereof: Plaintiff is CAPITAL ONE BANK, a corporation with offices in 600 BROADHOLLOW RD 2ND FL MELVILLE, NY 11747-0000. 2. Defendant, PETER ISCARIOT is an individual residing at 4173 GROUSE CT APT 104 MECHANIC SBURG,PA 17050. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa. C.S.A. §4122. COUNT I-BREACH OF CONTRACT 4. The averments contained in Paragraph 1-3 are incorporated herein by reference thereto as though herein set forth at length. 5. The Plaintiff made an offer to the Defendant to open a credit card account by mailing a CAPITAL ONE BANK credit card, bearing account number 4862362202752625, along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendant. A true and correct copy of the terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit "1." 6. On or about May 27, 2002 Defendant subsequently accepted Plaintiff's offer to open the above credit card account by using said card to purchase goods, merchandise and services. A true and correct copy of the May 8, 2002 - June 7, 2002 statement is attached hereto and made a part hereof as Exhibit "2." 7. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances 8. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and correct copy of the Defendant's monthly statements from May 8, 2002 - July 7, 2005 are attached hereto and made a part hereof as Exhibit "3." 9. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 10. Defendant made periodic payments on the account with the last payment made on the aforementioned account occurring on November 30, 2004 in the amount of $83.00. 11. Defendant breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment. 12. The balance due and owing to the Plaintiff on the aforementioned credit card account as of July 7, 2005 was $6,931.49. 13. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as described in the cardholder agreement and set forth on the Defendant's monthly statement. 14. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the cardholder agreement by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, PETER ISCARIOT in the amount of $3,931.49, with interest at the rate of 26.99% per annum from July 7, 2005 to date of judgment and costs. COUNT II-UNJUST ENRICHMENT 15. The averments contained in Paragraph 1 through 14 above, are incorporated herein by reference thereto as though herein set forth at length. 16. Defendant used his CAPITAL ONE BANK credit card to purchased goods, merchandise, and services. 17. By making use of said card, the Defendant has had a benefit conferred upon him through the use and enjoyment of those goods, merchandise and services purchased. 18. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the principal balance, finance charges or any part thereof due, as set forth in the monthly statements, attached as Exhibit "3," and as such has improperly retained the benefit(s) conferred upon him without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against Defendant PETER ISCARIOT, in the amount of $3,391.49 with interest at the rate of 26.99% per annum from July 7, 2005 to the date of judgment and costs. R e fully Submitted, Matthew D. Urban, Esquire PA I.D. 90963 WELTMAN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 6139665 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities, that he is an attorney for 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. Matthew D. Urban, Esquire CUSTOM Welcome to Capital 0 e-,, We am DDleased b have your writ card aenvnl This Customer Ag,eoment tmbis InSomaLir Xuf your -I. PLzce road it and keep 4 for your records your mnbad who us Inv Iho ord and accounl (Mx Agree menl ) cons'als of This Cillberhet Ageeem0nl, iogellna viCs any 6Wgts to WS Cnalorra Agrtemeoi Ihol xe wke aspro coded Wlow, tho Se.udty Account (C applicable), tie S-ify Arrauni Augrvrenl Agretmenl (d appf?ble), Caplbl Dne Pnscry Nonce, any .-unl disryasonos p.-Zed and d.Wer.6 m you prior to ve d fie rune your account opened, indudng dkr1mures pwsvrN to reguberrenh of Truth in Lending Ad (he,91.WfW TILA A=x.mJ DisUOSUres" , ss -Jos arc( aubsequ:nl Mticcs of rhargrs b these docurtwhh, and any and all cbcumenh that include your siynah,ra (indudinsg any ekCmnic or d4iW signature) on any application sales sip a other asadanca of Gel-bled-es, on your -=-L In this Agreement dha voids 'you,' 'your and 'yours ,elet to each person wits, signed the appliralio. la Me 4ecrooW (eadt, a pad ®Urdhdder) and b anyo a the who ;s.authoritcd b use Me.atzount h any way leach, an 'Autor"eed User). 6tap1 as specMkally staled herciro each of you is nda;aduaey and ionily obtgaled rind, this Aghecmont The words 'era: 'us and "our moon Capital Onc Bank and ;rs suatss.n, ardgns, agenb andfor autlxrizrd nepresontaivms. if the application la to actaunl WW that the acnunl w4i be a 'Security Acrou-C Cis means it. funds you hart p"erd to us b-- your account This Agreement anj the S-iFf Account ASSgn-tnl Agheccerad 14 zppfrvbh) do not apply lu any .11c, Caphai One Bank account dial. you may hare, tWw raw nr k. In. WI-. excopl as prodded er tic Arbitraibn ProvL-ion bet-. Unless yW hivu eNvcd inlo a Socurily Acsa.nl Azip. N Apreemehhl with us,the .-ttilis sns.-tad. bxpl as pmridcd n lira Socrody Account Asssipmrranl Agr>ameW (M appgcab)cL ft armunl is nod sOcbred by any Wier p opt dy, regaldlees If the lens of any other ,m(rad 1. «Ne h you and wa art s.*.L We can dotty erdortl'g any of .hervg his undo, This Agrocmcnl wAhoud lositg diem. D. cord is id rorreilns our propssrdy, amid you will surtendar A to us al any 11- -prom n•qu,sL Assignment We may transit, your -cyan. tie Saav61Y AvouW (A applicable). the Securby Aaounl Assignment figrea-ni (6 apphliesb)r) andtar out right unde alts Apre.monl 1. an "brier, The enigma Will lake our place tartar this AgrRmery the Securiy Account (4 tpphpbk) and tic Scririly Aaaurd Assignmonl Agretmtnl 14 applicable) with rhuped to om agatiments and hI-Is banslened. The assgrhee may a -Y not be an .Ibilsth of Capital Dirt &-k, You coral pay the assignee and otlwwise pedorm act or your obviation under those agneernenh. You ma 1 transfer your -,t,nl of your rights under this Agrwneni the 5ecurify AvouN 1 W aW-bla) or pie Sc Ay Account Aasign,nend Agreement (al ipplle bte) to any person or-Jiff w4h.ul our express pr'a write n consort Subject to The prtridirg senlerce, bill Agi re nwnl wit be bkding and inure to 6. benefl of your and our ne;p:dive sucia:sors, aslpns and nep,oenU4ves. DDS113 ER AGREEMENT nsdh Dm 1. even if rrnsr taraacticn; resuh in an over f,"I I-, and Terse transadiorss a,d lens wig be sub)ed to this Agreement and the Sturdy Account Aesig,menl AQ--1(A oppicable). Any transad.O.,s !wowed in -ss of ywt credit genii wlI nd res Nl in an scram. of your c wh ,,mil unless we erruessy notify you edronv ik.- Addtil," &.net& and Serv;cos. From inn: b lime, we rrey offer you berefls and servtes with your aaaunL these trick. and strulcz, may be provided by us or 04rd pallizi Unless "prMSly mar's a pad of lira Agreemanl, end axuyt as p-1:1-d ;n line A&,baaoo Provision bebw, any such buiuAta and strvl:os ova rot a pad of this Agt5esnenl, and are erutjccl on y to the iernns and uxrdA;aK outnud in 0.e bent%, or serv;rzs bo N m and III- o(F6.1 douumeNts provid.d to you ,,*, reaped b foe bonehle and servlr. We rNy adjusi, odd, or drlele Lcxils or s raiees at am' time In ersnrd:no:.vhh Tu Wr hums or doounonu you rtecive fn addition, any,,.ch benefits a whales .11.ed to you;n the rhos! unenl varstn of one -Guide to Banehh" slat repbx and supenscrle 0. I,e,Yyh and -v Dial Iliad been oOv,d b you In 0 pmimbm vansiaas of lino 'G.Ve 10 Rb,0,ls,' W t+WI ludiOr nofco. Ea..of as pgr[vj by ,prx-blb law, v'. art not Iiobie for I.-Ids to xervixs j-"" by Owd pn6e_s a coo acniont or n,n ss+oris of lf- ddrd pmsics. Maling Peyrrtnls. You p,omise to pay its and ate Itablo b at amounts due resulling nom M. .uthodzrd use of your card It -c -L Including any fnamt charges and.thecharges dua under the Iemha of this A77,co-A Pepntnli cornst b. made H U.S. dolbn. Payments main by a dhccf, money order a oDrr nq.fabk k.1-J (an lern') oars) tie in a formarrepblde to us end be drawn on a U.S. rrancial krslhulion We may ato, 1: payments and Drier credits and pmro.ds among the Various sNnunh of your -Vol, and to chahgos and pni.dpll due within retch segmmnt ih any way we 6.ui nuke h,c)WIng Win- (I.d.d;nq new transacdoru) -id- Lawn --..I pelcisJage nits' (APRs) before babnras wllh hphar APRs. Payments you rna0 1. us at the addris la payment "Ind on your p.6.S. slatcrthanl wUl be oedded b your .-M as of th. bus;ness day sic rtco- iL pmAded (1) you sad rte rerun! n2 coupon eon;. W your poriode, s6r.-,d amt year rhoc* in the terti4bnce cnvebpa pmvld.d and (2) your payment c -tired n Wr prewssinp center by the ime Indicalad M yae NA dic staYmenl. Please .1b. al leasl owe 15) busies, days for puslal dcr eery. Pay-rs iuevueal by H al any otrr Soraion a In any other lam may rot be c,,dined is of Me day w. recaiva thorn. Dun b shr- der ere Monday - Sahuruy, exduding Wo cL yes. Credit awibb;i3y rrey be dcbyccl in our sift ditcrodiw) to ensure payment In good funds. II we aatW a phy-N it some oilier place. we may decay the aedrbnhg of the p meni for up to two 15) days. lhis rwy a.ae you b incur iota NY-.I Inns and addbo of firan¢ changes. and may resat n your ucrnunl being declared to rti m e.buA Any muhwhun pap-ril that k due wit Le staled in you pr6.6. zlalti-rl You musl pay a( lease the m;n;nhrrm paymml due by Vie taw soled in your pc&6. slaiamcad b ..ad a bit pay-of 1?. Uncover, you -Y pay ,r.@ 11- t,e ,ui n.num payment a pay the bob- in hot. 1. any as o, finance cargos .A csriM- 1. be asessed durvq billing porods that you rang a baler eo r.9ardbss of wlwthar ce not your stalerren) shows a minbrnum payrrrssl dr.a We Q. accept htc paymonta or p>AW pay-b, or hens narked 'payma,4 in tut' or olhy sindar Lhrov.ge_ or payrnenls wAh a mque l to apply If,. pay-1 m e p.,G.Iar manner, without Irving any d .ur rg),h under this Ag,--rL "uhdudig our right to lee6m pay-r4 in (v0. N. pay-M ship op-r . as ®Id and satisyartlon wilhoW eau pnon wridan app-.IL At write. con-oricafsns mrrsm?irtgOx dspuled amourh, induding arhr checi: or oohs, paY_. Irubhrn.ni dial AO?al.a Coal the pay. n) cc ufmaes payment in NY W de arnuN oxd a Ihd a tendered s.Ilh other cDrrdlions or I'm,da'- or as lug salb;laciion of a dispukd arrourh moil be mated or cicli-ed to Capital On•. P.U. Boy B5010. Rlchrtond VA 23285S010. You wild not Make payments Iran, faros obla;nc l )mm bw :east1 a any.Dnel atdn armuW w11A us. 6 your pay-ril if Mack to any Olney address, we rrey a-pt dine parrnl wdhoui losrg any of our light Wi.tn you serhd us check(s) to make paymml on your aeaunL you auaw,lze us b male a she-time el dranic transfer !mm yoho bent, 1-1 for the annual W the check at b.dolod by numerical Spite. This autw,mtim apples to an check(s) ,c¢n,rd by q dung the li a; g period even ;I sent br son row ab.. who you agroe is Your agethl and was p ciulded whh Itrsc d.closvnrs n advar,sx, This autlhaiaalion is not ro.bidtd M' the dale on the cheek and I. iudes re rMnissions. We wit hod be board by any resbi r legend or rnrdhion app-ing m rho Inca or r.v- sale d Bit c hilt A we onnot pmcasr Tr_ elesbmic 4anslor, you ;.diorite firs b make a dory, ag.asl your bank a¢wnf by p-r-ir a the check, subA.11 rJ,,*. draft w shn itar insbumerit We may .d)ml Your a®uM as eppmruh le to coned ermn, r.wn. d Terri, 'ended debits and si.nil.t made.. We may, In our stile dir-nion, ode, an orpcdhed payrnenl shor,co. You are not toghirad to use this 1-kat. When you -lhr izo us in pno:zs a demand drutl, creel.". ACH d,U a near arpcdAcd pymont =Mod lur your oocIu,s we may ch." you an eey_diled paymml lee in an .mo.nt disdosed so you at the lima pr the serrre We a). ml rtsponsiofe la any dF,huror .1 or. payrnc.hl by Your depostary insulation and may retalh the fee ;n the Brent of such disMrsu. A you glue you[ acmuthf member o .thnr .roamI Inlormal»n to another p- m mate a f yenert for you a s. ad on yoor bah.g. you egrtr that core may dscvss your as rant who Ihal perm and prv'sss lire at-) as 1 A wee rreie by you. you forever agree )hat you q be razpons;Ne ?M as cDnsequene- .1 P.Y-nl or nor.paymenf by such pally, including eapeJ4ed payment alum paym nL rate pyrnenl and o"t fimh fees. We n.ene the right 1. rofine 1. accept paymet trh your bcheh or to y_,mt anWhor poison to ad on your behat. Ucing Yow A-unL You on nuke p-hUesses and obtain cash advances (4 cash a d.anecs are an option W your aemml) by using your ca,d. atmunl number and any .-nl acv ss dw--its (i clwiug purdhare Checlk Gomcvh'rnra CM.ciss. 5p-dal Tnnslor Chocks and othu similar chec)s) Dial we May send In you. Addilaraty, you nor request a slop Aayrreahl ah aneout access deicks, but we reseaz this rghl ri ,K ,T. you a fcc Sa such ?nv'hvs. When we poyide you iron amaunl a-- dhoets, we will Ica you uhrous they WA be treated as purdsasos, ash ,J.-s or cfu.,cial )nn.lus. UA,_,s era tot you othenr'at, Crnie.niemt Cb's_ks vA always b: lntaled as ash aJvsnwz, Wt May eilabfi+h Crlla ed deg-his lrw your -.nth such as a pudvse segment a ooh edvanm segment and a special :onel- s,pmcH. Ern .hymen.( rrey Le subject b urine and conditiions that arc dills onl lien Those 1.1 air appF abl. to other segnhenls. Cue baba'ay, i any, la any wrory(vl dishonor .f an a-zunt amass check is b6ded 1. your edual damages and that net ircitda any sansequenba) damages, and in ro --1 w;t it -c rd pie -curd d fie check, You agree owl io use the rand a -1 in cornecion win any tnlernel a Argil gambtrv,) transactions. but any Irhtasnal of ding.1 gambliN Lnnsaetione n hJnkdh YOU ergage Qh the card a .-I ncredheless will b. subs d to this Agnes-el and C.e Saorty Accooril Asslgnrhhml Agm.-Ot (o applicable). Your card and account may Only, b• mod fat varo and la.fut purposes. If you use, or authorize Smnhe.re else 1. use, eye _rd a account I. any -term or WI-risible pup.,,, you who be responsW. la such use acrd may be rghired b )e;.b,,- us and Meste,C-W Wern.lbnal Incerporalad "NaslarGam" w Yrs. USA, I- -Visa; as a Ppdkabk, or Ih.l rrrns:assws la al amwnls or experscs that live or Clay ivy as a ral.h of suds unbwM aim emnsslble use. In try event, eery -1-Jul or iiipsornsplole travsactiohn in which you erg-age with the card w ahmunl nevedV.elrss wTl be eubfed ). this Apetrerd and Ito Sv_urdy A®utl Aerignrenl Ag,-,A (If appk blt). Y- agnc that w• airs not-ponshbi-_ ianyone alsxs 1. hem. your card a account. K you had a prior ndk and a other aernunl with ua, or such an acr un) a balance W such an account was trap s(erned )a us or Wine of ..r aRdiates, and you agnned b minsbt tie badanee d Tae past aavunl n the gem A 70W new atmcm! it. nerr a¢aunl WAI amtan I..- dirges here the We that the row a®reJ's opened. Ahdwrined soon arc not feu-chat responsitde to, The acceo.L An aui.ndrsnd us.a may Use a trade card, on negtG51 Dentin amawA lWomo ton and tan n.q-l b be rerwhvcd b i,,;liaho lain 11h• .-,it Subject W Our disoetkan, an atiftrited user May na be able cerl>m ac icrrs On ire .-at. You agroa to provide us with irlumwfsn 6 .Q,uq any 7=.rsonz you auttnnse b use lave account including their rant, addess, dated biM and other ident" IMarma0en era May,orpvesL Ezchang. PI.. If you male a ba,nsacDon n runercy other then V.S. dWlars, VISA h.k, alional .1 MasledC.dd lnterrialional wit mrmc>I the charge a ezdh hl. a US. 60hr arxnml n aearden¢ wide Unk operating ,.90.6-s W e.rwrr& o- p ocromes in oned at the lime the "neac6on L• processed. VISA IMenudonefs sryubdora and pmoed.ms prwide that effective ApA 1, 2005, M. exdranp. rsk between the I-Sizibn o,na cry and The billing marry used for pareleing inesmalional tareadrxhs h either 11) a rare setcdetl by VISA horn die range of a6zplabk vela in Wholesale eumcncy morkeb )or Ire appkabY_ -tral jx c ir.g dare, which rate may vary Irom the rzle VISA ,Itself (-tires or lie germ-d mandated a). in tried lot Da applicbie ranlral ptomssahg data LWIz,Card InlamnToiaft "otatione and praadurn provtlc the a.Tmry mnvarfon raic A vz= is ether 11) . ,aAhoti:aE maskef nit or (2) a gor8mmer4 mandated rare in rfiw on the uay of the -Hral pmmssirhg date. Caah Equlvaknl Trarsadlone. ff osh advancer are m oP%n for your aecomi YOU an use your accouril to puachzs. earbin firms tnel we regard as 'msrr equwalenf Ireneadnns' At cash egdwahsd Irb-c5ons wig be treated ae m5)i advances and wal be b0bd it tea ash advent se2menf It your account. Cash aqulraknl va,-beans ix,fuer, xilhoA PrrinaBO,t tin wrcase or wire moiler rronay cedars, belt, Imory (i_'tefc ,asap pining chips ani other similar prodoM or senazs. Nothing in tis pragmph will be Wa prated b vafdaR any transaction that Is onlandh4 a;mpemnaible. Your Cmdh Uny. Yoht Intiaf o-I limn .0 be dtsdostd wirer your emwot k open: f {a acuyakd) ElOrer inU.rte. a el any [att, time, xis may eslabllsh drifemril oedd imih that apply 1-09-rd sgmen e of your.coeunl (sudr .1 purd,ascs, cosh aduv-s and Spetiaf bans(.ri). Your asnahl cedh Timis will be i6enifred in yam PeiiVJie 31aistr_WS. You agrrc not as alb. IIY botanize .(),.of account (Irich6ri 44 trans 6e m, Jo,'" chirp. arch other free or drargat), or tie Warm, of Die appfmabie segments 0 rear a=-% to e coed the ey;slc.blt credo Ilmhs. N you have be given the -plan to kvca,ee your ae61 Tint by alkimg funds to your Secrrhy ArtvnN III appliaNoI, wn nvnre the dgh( not to i-.. your aedft Nnb T the addiianal funds to to &d whit-. your -charm if In delaug. We may Mcrary_ or debezse ytov, crow im6c al any grri_ lh.sd goof roue b yeah may kcnporanly'avcTaese or dacraase your atdg Imps al arty time xllhovS prior notice to You. may limit the o.6d 6mb fir cosh .6"nas or cony Ieke away your abihry to dalan cash adyencea. We may honor baneatiktht In excess of your Pc6od;c Stara-L Eh -M that you haw a acdf or debh boon- .1 ncnc than tl in your .count m w71 send you a periodr_ M.Iontnl as and when mquired by appaobF Law. TM p-d:,dr sWeemtni wit show zi barseneiom bftad b froze acrasnd during the b" period. The b4fmg pe4od h the Tor Imm one sbtomenf dosing date through and includ.ng Die nett stalcmen) dosing 6a1a. Th, sbltmoril dosiq dale deleminas the month of a spectre b6rg p.?iod, Fee example, your Jamzry bi[rrg period is line bllgrq pmfrA whh the aUUynrnt closing dale in Jarhuary, Flnorre Gharge-You WA IY a:.shssed finance dhagm as prcvousy dtrbsed I. yW u pari of ll.TIA Acocirl D-3-ms m es we will di:dos- to you 1 rtgvncd by apapycabb, law. Terrhperary Rod ucjlon ;n Ftrantc Chary.. We rvs.rvo (hc rghi to -1 ass any co an fn., ch.,pa for trf piven biting parxxi wit,aui waiving One Bahl I. r: s such 5nana charges in a h4ure b1An9 period. Dth.r Fa.c and Charpet. Tlr_ lollaong fry will be bored to the p-nch;e v*-rd of your temun) aid will be tooled as a purchase and appbzd ngainsl your availabl4 -64 im•[ unless Omr W- specified, n evtry biding pdrizi In wh 1 Drcy apptr n) A Lie payment Ice whh ho essesse6 d we do nW re¢ive ynur FWZT hi ! dine lot A to bt ae64ad, as p-1-d in this Apmcnrry by the date slated n your ptrbcf2 alel.-hit no on Over, imd lee w41 bt assessed It the balance of your -unl for any agmenl col L;An 1T ?raaYa?y ODSf13 your amdunl) al any I_ du,iry the bit[ug cydr, for any reason is Omar- dun the appgs-abl. lempdwy w pvman 1 cmdil LmiL regard)ess d .Heileryou went --"I as a re,,ur, .1 a vansadion, imams d,atye of any orrer fW or eh q.. .von Y.ppmved by us); 47 a mlu-d dmde ter w'1 be assessed A we do rot honor ary a¢ounf amass d.srk for any reason: () mpy.V ehargm far duprmte mpies of banseuen daosn enure- w periods stekn ants will Ix sscssed oo a pea-page basis, unlea required for lilting d1puL- -Iulim (v) a returned Preterit lac will be assessed'', Iw any maso,k fa) a chart. don or dr w insWmeii is not honored or -not be paesse6; of (b) an eleL w debil is refomed imp lid w annal be pvxased. You avf'.A7 w to resubmit returned pays-r'4 y our dsoadon. At our uptb,e a.9 Huy assess this Ire each trrc your payncnt is not hononed ar insit even 10 is laler honored a paid (orlovug resubniaiwh. Any natY drah or s69ae Insbu-mt may be w1le dod .lad,)nlaey If mtbffed for i1SYKCL'ltt a UricDlk-*Cd ka.ds. We may change any of mesa fees or charges, or add addition.) leas and ha.q.. u provlded bcbw. We reserve the light b waive any of dose lees wilhoN prior nolgea&un Io you "Is mahtsinkV our eghl to assess these lees going forward. C ,.h Aduanc. T... if cash advsnres arc psm,ded fm yyoou, amunL a ash .dance fee (nand dtarga win be () assessed each time you obbv, a msh odv.nae wash equivaknd bare a6an, pT) added to the cash ad.- se9nnnl or your .=. it and (ii,) appfed aggainst you, avaeabk credd rand The amount of the cash adranse lee fnawx dhage wi? be added Io than fin- ehaq.s sh-. m Par pe1'udx slab rl (w On. p.,p-. of mkt'atnt the annual K-bge rate la that li ting p .isel. Tea moy -ease the onw.1 pmce.ts?-c ole disOwed Ior O ul bghrg period to be gmalar than der amval percentage I. dardsncd b you. Womb-hip Fer. If applic blo. a mb-.6 itty lee cal be :-posed in ywl Twl biNug pcricl, urJsu spoohany stated atanuLla. U the membership l.. In ass..-d awwaey, 4 call be assessed n the biding pcried in wWon etch annausary d it. ape-rep ul your amount -rs. If Iht membershq lea is assessed monthly, if wiq be assess edd in sad) billing pried. Th. lea win be billed to the punhase segment al yow o,aunt and will be beefed as a pundha- and app4d aV.I-l you, ava]ab4e -44 fink The membershp fee call nil be mlurded, in whole or in pan, a•sn it you w we earr_tl ex am.ml. T-Ic-l Fr-e. A See wID be .[si 0 tin eacll Vast., of bids Imm Yow amour,l to your S..dty A-unl that you mgwsL The fee call a. billed b the ash a&-soyment of your aunt aril wgl be Imabed u a cash adva„cn and app: d at,-l yow aIaliabp veld 6NL Foreign 7 -wcn.n Charge- For each oansadra. made in a rdunuy orh.r Than Use U.S., w U.S. Territories, we will assess you a fine. Burge as previously disdosed to yov as pad of Use TILA Ar nl Discl- w cs we cal dsdowe Io you l requred by apptcable Irv The ice win be bse6 on Nil U,S. dollar am. l or the bansad'- Cr.dr Bureau IniormaUon. You ag- that we may pbI inlemalim absr! you Jmm cmd''rapar" agonies en others al any brna and us. 4 for the purposes d man+AOhbg You, r>e.Rl pe,bmvarec. mam194.9 your --I and sonsfdetvg you lot new Dram and pugmma. Sc-eu,Ay Inl.i-L The leans and -041o. mniiined wiw. vas psragoph apply any A the appli lian for the --hi cabled that (he eamu nt w)q b a scumd -L You podded us w11h remain innds, while have bS-n 6apnsiled in the Secuny ACmtu-L To scoria pay m uI the balance of din amunl and all other amount, awig undel the tannins of leis Agmorrcn( and the Secwily Amunt Assgnme nl Agrem ent, you have Vans caned. ass nsd, pledged and granted In tes a srouiy irNerat in We Seovily A J..9 funds mnlained in the Sea,* A--L aq pmmeds d 1M 1-9ot9 .-it a4 r. c _ds of process This s-irily bloresl U.dudn, wdnul fmiblinn, the inikal lands that were plarad into the Srcur ty Amuril any aridifaal reads elided in the Seorrify Acr 1 by any pe,sm and any Wrnu1 earned 1. a ao ued - the S-ity Amvnl 1h. leans of The securiy in1Erest are eel bath in the Seafiy Are-V Asc'gnunent Agee.-I you exmtod It n you detau4 or fair in abide by any d the I.- of IKs A neeinCd aUx Sewriy Am-d Assgnrr_.IAgm mnL j7you elosey¢na®unlor JA we caneel you -n! for any mism, we n.ay men or Ihem.bw, and wiThoul prior ..tire I. you, wrens- ow s-Aty, Inle,mel by dadudinv I- you Sonrdfy Aa:nun) the Lab- due on yow accord and a4 .tsar amvun(s owing under I. Inns of Nis Agnoemml and Ne Scsa,riy Annum Assigrnmt Agyeeranl. We may uenvse Oils rghl to milk. sudh de loalons ham your Seamy Amunl p iiod5?Ty as - debrni- fo IY apptoprbm. W4Kri siey days aU, the d.L, your meant Is dosed, K call Safd a9 remeln,irp funds in ten Security Avdunl b The pons.- Icgally emhled to -;v. then Fuh„e Dffer:. The tsmu of any future after relgF to she a©unl wiq be d dosed b you at the time the over h made. Il yw aaepl an otter. the le- will 1— aftedlve brm,Wi.l ty unless oche- h. syzdrm6 in the oiler. D Pla.IL We mayy, n err sole dn096m, declare a delau8 untiv Nis A9neerrrn it (a) we da not ,Five Uie full amaerd of an mvh'man paymmh on a befom the dele A is due, (b) you wield any eredn 8mk w (e?an item used to malt, payment an yow a¢wv,d b nal honored w earmol bt pro sod, w an ledionic debil b make pays eini am Pax .-nl is reh-el i mpeN or ea x* be p-essed. To the rsknl permird Jey appkc ble low, era may also. In air sole 6'6wr9on, declare a defaull wider 161s Agreemeni It. (1) you rvtab any d the other I.- or this Agri nn.4 a Serxi AmuhS Assiq-nl Agreennw R applable). (2) we have deda,rsf Yw In be In on .,titer the Lena of any .6M apm-,t wIth w or any of our Mr lm a (y) eve dderm- lhal you made any take or mis{hadi,g slalcnnnds on your appfuzfm lot, or nCgardig )he use al. the amunl, or oths,wlse afts pL-d b defraud us, (4) banlwpky or near insolverv_y p Ledngs m ixlriuledby Into or against you a5) you d'e or art tl rJmad legally i mr,"ant or hhcap ow.d. At any time bgoe%ngg any 6elaun hdu, IN Aggmerrcnl (w OL•r we qnil you any rod. of right to cure IM delaux l mcr-u; ap;21s law), you will be sub)ec1 to p.ykhg ImamL f arcs h.rpts ale olio IseS pursuant b the mmnz d ha AgmananL inW9irg any appbable Maul nle. even after sty Iudgncrd a obtained, Adddionaly, we may. at tXr sob opi-, )s) Imil or..1.11- you SSoo nuke any rev pundusas w rash Lrarsaeskms on You, emu-q'). (T) inoeese yvur minimum parm.nl W)h wudh nods m may be reghi mil by appd-abfa law or (q tubkcl )o he f(mdab.,ne d epp9obl, law, dose yow aemsngs) and demand w-ervle payment of die mUm oinsbniling balance plus at avmr amounts vllh.g order Mb lama of this A.greum.N end ft Seeueiy Amunl As_•gnrrcht Apmenn,hL To the eaten) panriVd by applmble law, you agree to pay us en of our actual mud math, mgecton txprnses and aA.mgy's Irks (whevser Fad so an avomey lvfv is a- at our "inyms a an attorney who is nor one of our ornpbyea) iscuf.d by m in the mracb- of any .mount you .we to sender Otis Alpme„ 1. You also agree to p q us a9 . of our .dual noel. that we lnc in ml k-ring your ends. Indhtheg any mess we MY irarr try hating your acmunl placed on a rastrided fist HDlhirV In Uis paragraph Shan be construed to w•aint, or impede our right b mqube erifilar- in accordance wi1A the Atbitralbn Pravalon thew. A-Jal Closure and Svspenslon of Cmdh Privileges- (1) We my, of nIrime. whh or,,,)Thom avse, wnh or wither' advance notice, end regardless of the edslenm or w-a.r.lae d a detwil urd-r this Agmenxnt arv=i the rmurd endfar lornpam,9y at p-t en9y svspwhd you nta privileges under I* AgmenenL If wo amed the anoint, you agrr_ to imrn.dblely 6eS9ay an Cards and vmt d .meant eerie cbmim. (21 Yaw obfgalim to make ptyrmltls and your ofiat obfgariam under NI: Ag?nt hit rmhllr u, n f.1 force and meet after he acmurd A anecy:d• or your creed ppiAryes am temporarily or perymen'r suspended. CantaBafion of tee amwnl and/or le,npoory or pelmdrerg suspaheef- of your cad6 pietleges A not affect our scanty inleirst in your SearNry'Amuni spgYaMe)or serf itphb und?UeSm„gyAmun)Asagnmerht Apmemenf (d appkAb ). Yw an die your ac=e by along our Customer Rolefiom deparbTerrl w19t the number found on lie back of yaw credt card o% it dffiomhL, the m916er staled N Your ptriod¢ Sfal nl and requsung zn avnvnl cosum. Yn agme tz drsuoy an ards and unused amount aeaa cha&s, ancel at preaulino6 5 bang anarq.m Is and - wi.g your turd and ami-L It you on moil ---J as peavthodsed bl9kg amingenre-lr, yw and we -1 mnndu our 'eript of a preauthort ed debit 1. your -nl I. -51-te your auphoivalon to reopen itw aarnl on the leans sel loch in 1h7a lQ-tt l and the Sc-dry Aaxunl Assbnucnt Agre -,it (' appfcabl,I-Your arreunt w4ri.1 be dosed inf y.. pay all amounts you ewe us under d,is Ageemerd end he SEOrrily Acmunl Azsignrnen( Ayleam.nl (' appbabl.) IndudUg, wlthoul limul'an, any puml.eso and ash advan¢ trensadbns you lave aOhorirod, hnanre dmgcs. Laic pay-' Sees, ovU I-A lots, nehmsed ched fees, ml-.d paymanl lees. membership lees, cash advanw_ leas, eansfef lees, mpyag eh.,y s and any other fi s charged to your aonunL You are responsible hr dxsr amoums wheN, tiey have been tncv-1 a1 Ire hme you requesi a elasme d the Ogaunl or they are inc?urnd sulsegmnl b your mquoi I. doze Ue amunL This may resub In chU,gos appcariry on yow ae-ni alter you have n gersled Ott acmunl b be closed end, i the ..unl has aVaady been cased, llte arbx" will be r.ep.ned an the lama se( forth in diz Agnacmcnl end Ile Se Aly A-I AasIgnmeJd Agreement (t applimble). For example, V you avNoree a purchase loom a merclsenl aril we MtOve the ehagr lms the mor daN znei Your aununl has bam daCd, yaw aumunl will be reopened. Ile erDunl of If,. dharge wV be added to your auu,nt and yw wi01n mspo,oble Ica psymenl under the tennis of dhb &gm-I and the Security Aomori Asslgn menl Agreemmi (nl appf.bl•). Tle membuship fC for y a a-61 wig continue to Tc c)aryed, to the ea1e:J pem4ed by iippy®bk Lew, mili the mike a=.nl baUnrn has barn pall In lug- as dese;Ded above. 11 the oem-1 it -paned, a now m.nbership fee w11 be etu,ped b the.-uM A staled above. If you, acting os the primal mndhddw, -1 1. larmiraale a JS" aaounUobars w an aulhorizcd users ace to in. armamL you must me mu Cvslu,nf Rotations d.parbncnl and nguesl that 1wn"V-. Inv s!61a1y 9-.her- you agree to desboy Oaf person's and(s) and dcd y any unused a®unl aozu checks in deal pease- s possession There may be a delay n die efkdrce date of the 1-11nma0em of that pecan's err s ro the aesunL 1tn acsunl will be cFa,ped, and you and any ),H .s Vddus wiq be resyunsi6le, lot any 0-9- Ih-gh the ease of va cad w The a=..l by the -ni area -V,.4fe, or aWlouned veer that i-u Pier to Ife uttacfNa 681E of lh= IeemnaLiM even it me dhargu do nth appear on the amhud unlit a bfe, 1- d you arc unabh 1. 5-1,.y )he )ant -t,nt,dd.ra or autoitod users card(s) w Ia duUoy N. unused aenunl 2a s elieds in Vat person's poszassun, and you eall w, Cusu mw Rotations deparenenf to d.e y-w, e--L yw? -.l w4l be [).,N in j -o- o- wi,h )he pre¢d.1g pa,agnpA E'ahe, you a,Wc; If. )i" ca,dMlder, !any. may apply fora new -r -L CWa-gem In Tcnnc. We may add la ,ent-e. amend or charge Ony run or pnavison of thb ApnevrenL indudng the .noel porcenboe ale(s) and any .I.a,ges. Indi,09 addng new p,ovisva6 .11/m same w a 66 -1 ,alum as t,s e4019 pro is-$ I. this A9mamen1) al any time. q we do .a, we will give you nab® or such amendment of charge 9 mer-J by Fsdrnl Ww or V, W, law (to the est.,4 nor jne, d >h• Fedaol Is.) unless era had pcvbusly nollhed Ow c.,i_ that the auaurA would the subjec to such amin4-11 w rhuhge with.0 notice. Nuke cal be mailed I. the last *rq add,m Indimitd in our rennrds la the a tnL liw,ewr, ro rotsm- wig be mailed if We pre?-Ir had nrofnlied yw lb.1 your a-1 wwakf be subjecl 1. s-h ar-end.-A or Uarq. 4ma.i ,wie cai.:vg unl Changes io the an-ua1 p-,,+sram(s) call apply in Your acro balance -11%. r8 tSvt de4 .11 charge, whether or net the aa-t t bnr.o pheudu V-s.eO..s billed to the as=inl before Tht dhmgu dale and wlxfi- a: rot you mnbnue Io use the --L Cl to lees and auhor [h ,pis wiq apply 1. yow .-unl Uom he efl-tti e, dete of the ehanpe. Governing I-. WE MAKE T)iE DECISION TO GRANT CREDIT, OPEN AN ACCOUNT AND ISSUE YOU A CREDIT CARD FROM OUR OFF)CES t1 VIRGINUL This Agar ncnl is to be cn Inte•1 ' rnndance rM and governed by the taws of the Vnl.d SUI.s .1 Ain.&. and by the internal I— of the Commom.aahh al Vuy inb wilhout y ing eMeet to any choke of taw m). std would nose the applteellon of she Lsws of any )urlsdkuon -then Ihan tho laws a1 the Unil.d Sutx of Amcr;ce or the intend taws nl the Commonweet1h oI V49irua In LM rights and d.5- .1 the paAlci. This Agreement n made In Virginb. 11 wQf be 0 only by Fedeni law end V,ginta low (b the relent not prnnyisd Eby Femderal lot.). a a rood e'eddcs not to anlaera a pad of Ihk Agneem-,,L TMs Aglee.cnl YAff Oen Head ar if the one rdorcnbla or I-Hel part Own not Ih.,-, but the ,emaln)ng part, will wr.1,h in stleet Waiv.nr. You waive The rghl to rearve -64 d any law or delay persenbimot danand, protest or dshonw and any eght Pad may have to nequha us to proceed .paanl another party bclam prn¢odi agamsf you. You atso wawa, to the extent pwmil ed by apphoble taw, any statute of OmIlebons del-, for A..ddifionel period of limo egwl Io Be appi',rable pmblions pored. Lost or Stolen Canis, or Account Access Checks. If your card(s) or pr 4 .case d-h am Yet or slokn a 6 someone -he mar !x -!,,g Ihan -- your parmlesbn, no0y m at one by mdag Ue L-irlelhom -camber an ire bad of your oedif pd a, n etttor.nt she telephone number shown on the front .1 yow padodle stakrrrnK, w by ivniintl us al Capital CM. P.D. B.A 89J1S, Rchr-d. VA 232BS-5015. Yw call nor be liable in any amwm( for unaW,orge.7 use of your cards w auannt orals clerks. You o9ma to leg us at owe: n you eh-q. ywrl Hama, address. Ie:eplsa,r numb., or employment You egret so pHe . wriden notice of any dverge in ywx billing add,ns .1 Seas) 1D days her.,. the rarvge. Changm rray bo cantle- in the :mac P.,;6.6 on the rnrnftianc -M. p.dbn of your periodic stak=ril or ashy Ln send to The logwfrg address Capital Om_. P.O, Bor 85015, Ricb and, VA 2]165 5015. If your .-.,d is a joint a®und a V mar. Nan one person is pe mined to sae it you agnae VaA al notices regarding the .cmtmt may be sent solely l0 the eddies, shown an our bgrmg rcmtdz. Commvnkaliom, We my rote-So infomndon In .11= mgardng Ito status or history of yow a-,d as set bdh M he Capd.l One P,ha_y Irotlra, a copy o1 which haw bLean p-Wed In you. We may -I. iAu'vins at thhd parlnc n cannae9on will) vaintaneirh0 and mnecUng your omund, .td Y. vuv.rze such thhd parties to rebzse inlonratoh about you to Inc We Of OW Mpme nbliva may eadad yon hem time to lime mgardig this a=lert or to esk IM a66monal Informafian about you or your eepc&nev MIN Capral One Yov aqm? Oaf suds adads are not unmtcilrd, am nOl Lmited eceepl as ext.-ty "tined by appyy9abl. Imv and may resull tmm -Smart Intonation you have, provided or Nil', is obtained from other sources. Far.ump(e, we may mntad you al ywn home or piers d empbymerd. during weekend. a hi fdays, on your nobne 10,phwnc- vofeemel or ansxxdng machine, and by small, fat hecorded ncszege, led massage or persnral v''a?L Etmpl et resi&A d by appliabb fan, we may ,mniur or mmrd any cafe aC make or mesive, wppmss taller Fientificaymn seevras end uso an automated dla" and am»updry deJct ARSUPATIDN_ PLEASE SEE ENCLOSED "ARBITRATION PROYISIDN," PLEASE NDTE TRAT TXE TERMS INCLUDED IN THE AR3ITp,AT011 FRDVISION ARE PART OF YOUR CUSTOMER AGREEMENT. 0 7005 Cap6at (See San icas, Inc Capt.1 One it a ledemily ,.gisIa-I sci.4z mark An eghts rser?t9,_...: X318-17-03D5 ARBITRATION AGREEMENT M-75733 ]MPORTAIJT_ THIS ARBITRATION PROVISION 15 A PART OF YOUR CU570h1ER AGREEMENT You and wee agree hat rilnel you or vR ,rag, al -ihp pa-ny's soft rlcJinq ,ouia dvl xny Cizim lu dtlned btfovr) be resol.td bv_ bin&g aroihabor_ IF YOU OR X'E ELECT ARIPTRAT)DR DF A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO PURSUE THAT CW?h IN COURT DR BEFORE A JUDGE OR JURY DR TO PAATICIPATE IN A CLASS ACTION DR ANY OTHER COLLECTIVE OR REPRESENTATIVE PROCEEDING. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION •NILL BE FINAL AND BtHDfNG. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WEW TO COURT. INCLUOIIIG THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UHAVpILABLE IN ARBRHATIOIL THE FEES ASSOCIATED WITH ARBITRATION MAY BE HIGHER THAN THE FEES ASSOCIATED WITH COURT PROCEEDINGS. Special bearatfons for Ibis Arbflnlioo Provision- Fo; the r 'posts of Ibis arbiv4v. P-ision j"Arbl4aden Provision) Iht 1cwIrg ddlnllion shall apply In zdddron to the tktini iOns Sri forth in your Cts%mtl AoitzrotN ('AprccmcnY): -claim means any c13Sia, mnhaversy a dispde DI any kind or ml- btwcEn you and us. A This dcLnieon indudcs, wilhouf limilalion, any Claim that in any way arises Porn or retatu aD: • If, AprecreM and any of is terms (inCludlng am prior zprc.mmls beNKen you and us u tetwem You and arty other rnl;y ;four w•h we acQuiled yar zrcounl) • Ibis AlbIVai'mn Prowlslon (including whclhef any Claim is subitd to vbdnfion) - this fablisbm-nL openhon to ltlnunslinra of yetu z OUCH -zrydlsefasures, airalisemrre, ptomolions o ofhH mmimnlaGons trlaling to you a¢ouN, 4Elhd duty Dcarrcd belae u abrr you) zanuN was opened • any bznsazians or atQnpud Ira,lsubnns ;nvofvnp your a¢LVN zny Basing N c?W?l?eUylo?r?es mxllcs Ielalmg to your acraunt 2nr' pDSdnq nl L MWY/W V (incIlXilr>Q r9yiMnla nI tileils) ID Your 2aosnl any gorsds N strum chagrd to your accourtl - any inlrunl or ocher cl2lgrs assvt(I to row account. N thtit cakuadan • any products, serctes w bens)As programs related to at onucfl in rannret)on vita your areounl )intk]dinp any Insurance, debt nn¢Balfm N ea$nded seevu convrads and any pognms, rebales, rewa ds, swruMlalms, memberships. disc ourds a carports) whether or nol we oKe,td, inbDducrd, sold or provided Ntem - Nr raeipl. use of dtdm m of vi irda n9fion abDd Yet at YN amnrN any abler mlders iefay,rq to yaw acrouN or your rcladonship with us. B. This definition also includes, wiihoul 11milation, any Chime. - efl,nfI sz of how or wtun it is brought (IN ?arlyslt, as an initial clai.L czenlDdaim, Isms-clein% inlcpkadim m !bird-pz»yr-,?im) • based on any Iheory of lefser or damaqu fiW1,dk1q mere darmpcs and any farm of speck prriDrmaare or I4j1m-tit- derlw2laq of ochre eouilabte etyrl) • lased on my Iherry of lacy or equdy mduding -fracl. Ind, fraud, tasliltAion, sUtWc, moo afion, Ndinanm or wrang1w ach a, ornisslors al ==1Z dher nc969M, rEcjas orlrrentiDnal) • rmde by yDD Zlrdl with you at daiming ;ivoxgh a for You jrrelu6vaq a rO-2PPA ant of aulhoriad user of your aCcouN. your agent, your rcprmrnbl;ve. Your heirs or a brill[[ m- a fa *Y) • IN whreh vet may be directly N indnrrly Ilabk uric any NxDry. Ineloril" rspordtat suptriw of arytery it- it we are not propvly runed as due time the Claim is made) • nr w in "Ish=r or that may aril in Inc Nb,rt,,rgardlms of wtxn the )acts and ran, m Im as 1121 girt rise to she Coin o=uued or y h- disc Calm acuu?d - made as pad of a mass xbnn. pliwh ad;nry gsnuaf action. N olhc rtprestnrahrt or raralive ardion vel,kh Claim shall procmd on an Indwiduzl bash as sel larch more filly ir. Ibd Arbilraf- PrwBfon Arbitration Adminlzlrators. Dna of the IDilowing arNlralmn adm;nisbzhbm I"A6minfslralor' or, etllerlfvcy. 'Adrnfnisiral>rs"J wll; xdmbislrs cat arbi ialiorr. JAMS 1920 Maln St, sle. 30d Iavrre, CA 4161! wvv,jar,sadccpn American Arbilralmn Assn 335 Watson Art., near 10 HmYNk NY ID017i605 wwrezdrwp Hatlenel Aibibalion To rpm P 0. Box 50191 Krurnpotis, Nil! SW5 nvrv. arbiozllon-Ipnrn,rD'r Procedures and Law Applicable In Arbitration. This Albilulies ProvisioT is made pursuant to a hasadion involy"ry Wesizle mm.a_rn and shall ba gmvmd by and mScruzbic undu 1hz Fedral kbiualmn Ad Ilk- 'FAA'). OutabDni about <-hdeer any Claim is subjzd to arNbrallon 5WI be itsolyed by )4trprc0rg this Albibal;Dn P,nv!SiDn in the iaoadesl way d may, ha rn rsmil, cpns:sWl with the FAA znd air lama M ibis ArbGrzlon PIDvislon. The attdnlN vAn aopiy sLSslw&t tall ronsk;tnt %V0 Ur FAA and apptlubse stalules of ltrilafions, but rnt validtly and mlorctmon of any lass action waits IS a oVSlioh tar a CDtaf p1 CompdeN iorisdeliolL not zn aibhm;oL to ds)dt. The aibiUalm may avr?rd my dzmaga Of dhu Witi pvmlK.-d by zppficablc subslvgi T law ibul VA9 nnf bwr power b rovim ;h: tnkl¢ability m srvuabiEy of D* pLag2olt "No Consoldzlion of Jamdar of Parlits; tflov), but the award shall dehrmfnt 1" 691,15 a,uf Obligations al a1y dht named Dlllia and Dal with IespcC to the Claims in arbi0alien. The rules and prDcadurts of the Admnksr ODD vahich you may obtin from the Ad,ninisbelok shay) govern IIIE arbiltallDA unless :hey tNl9iet with thus Atberayu» Provision, in which vGt *is Arbilralioa Provision will apply The arbibalol vAll not be bound by, and this Weatim Provision shall not be subiul to, the. Icdera;• shah or local nits of plardurt and rvidenc that would apply in any mud. N to shit ar local Ines dial rca;r to arbilrzbon DFME=d--ngS. You o; our may have t hearing in a,bi!nI;m Any xrbilntion hrarinq ft you allmd in pusan rill lake place at a IDLaDDn in The federal jL-dfdal district 14:1 includes your lasl-known biNino add .Y ef at sam- , olfv pbet upon va kh you and our alyL You ur Ire may be ap,tstnitd by cevn.L I you or ere mviisl. due zltilraWr oib h-, [hams o1 pirvilW, rteopriod under appllczble Ire and wilt Use bcsl edDrs to prelel eunlidenlik( information ('mctudrng 11 rdoah the use el pioldlive orders). The nbiwasa All make any awed In vnldng zrd, of Ih: timely reque;l d eithts party, will plovidc a vofllm slatcmctl of masmu la• sat z fd Costs. The pzdy inilizling vWirJr n will pay Dv; inrlai filing ice You ivy std a wairtt of the mitial filing Ic_ or any cl lbe AWrinisbatch odrer lets )eelkJivefy, 'Adolnisulors Fews) onria any appUctblE rules of Or Admints balac ll you seek but do nil quality lot, a waiver, we cl onside any written rnQuesl by ou ton us to Np or ICimbUist you for all or pad of k Adniord ala's Firs. Vie also all pay or mlmbursc you lm all a pad of the Adewklnrors Fps it ale asbfb-alor drlcrmincs Melt )s good tusan lot ere to do so. Wu will pay any Ira grad eusis we art rrquimd to pry ly has. Otherwise, and taro as provided in Ihb Agrtemadi you and we %Q) bav all of our respective Itfs and Losii (Inclddiry ke AdmWspalals Fees znd the lets and costs m4lino to z;;O,Ms, experts and vdnuses). Iegaidsas of win rravzfls. Alloc2lion of 11s a.T6 msis sdatb,g to ar)urs in arbilniion vi I be handled in ilc same mannrL No CDM.Ilda Hun or Joinder a) Padcs. The arbitation of airy Claim oval prxzcd an an Indwidual I2sjs, auto A the Clzlm has been zssr,ud in a court n a class action, pmt,lr adNnry gc-W adim or other Rpreso. Lvive a mllallvn arhuL Uolm W p des: mnswL nrdbd you nu wt may iniq consolidate or ollremiso bring Claims rthted to hro N nest accounts, indhidua)s or acmurdmldtis in the sane wbdraliuA Also. urges` Al pnlirs ruts•rk neither you nth we may pwsur a sass zr)!on, ?iwah z0onry general action or Deer Irprlsenlalive of eollerJ-wt action in arNloGen, nor may yap a we purser such "am In Loud It any parry has rlal,d arbtlralW-Your will not hrvt lhe'1914 In ai as z Lion rcacsrraUtive of padicepale as 3 member or a tins of dairnanls with raped )a any Cls m as to which arbitmtr- has ten clrrl£d. Judgment, Enforcement Finaliy and Appeal The arbibate(s deciston will be and and bindng afkr IiKten days Lnless you nr our smk an appul DI the award by n zkIq a wrihm ,putt 10 the rSd-ninisnria, The appeal pand, which wiltevnsisl 0 dneea,b]WINs, vrid consider all actual and level issues anew, wits eandud It. appeal in the sure manna as the hilbl arbenGon and will rrake derlstons basasf en IhE v,le of the majority. This panors dre siun velf be final and blmkV. Arty Fnal decision d IAt wbilralor or of IRE appeal paxi is subisr? I o jud,cul Icvicw only as sd IDfUt tmeltr Uc FAA, An awned in arbitration wiff bM enforceable under the FAA by any [Dori having jurist bicn. M)srellancovs, W.iver, Sr-abillry, Sunivai- N you a- de 1ul Ord arbilriirn or Dftvi,st enlace dos NbiWilun PlDv6irn in contreabn with any p2n'rJar Chim, you or we ail) not wahx any rights ID require arbitration in monedion will, deal or acy DYbor Claim, This ArbilnAon Provision ssvll survive J) etlepeaslon. IOmIA2H3n, 1"v MiaL r1DSLnaOr rhttr,C DI Blii ngrermenl, your account and faun alalienshfy with us: (rr) B. banknrpicy or inso)venry of a,y part'; and (iil) any transfer of your auranl, or any amounts mod on your zcraunl to any other person m Golly. N any ppodion of airs Abi;ralr>n P12YWDn it deemed Irwzfld or unrnlorrratak. the rrMiadnp podlorts of Nis Arbitrolion Pre vkim shad pm h0css rcmabl valid and m INrc. In the event DI a rurlid N;xomI.Ienry br1-.s>rn lnc Nbdrallm Prnvisial and she Dlbet p117ASIDU of this Agrremed or any prior agrrrrnnl, this Arbinllon Pir rision shed pDvrm A, photocopy or od¢r image o) This Agrrureni and related 6ocments mwy be used » plarr of the oririirals far A porposa inducting hlitialim You 72t contact any of the Adnlisisln;ors to oblain inrarmdi.rt 0 ?DDS Capital One Srreces, Inc- C?p*iW One Is a federally ,cplslcred ;both i121inn. ubilnllon ru!.s and prZtfores, Ice schrGoVa and s vitas mark. All MOMS rudved- caim fen s. Election and Initiation of ArbitraUOn, You of va ray etC1 vbifraliDn under lKis Arbitrallon PTrAs)Dn wall rspeC to aryl CfaimL rvm 1 the Claim Is par, d a iznsuh bioupid in mar[ You or we may make a moODn or reAvsl In tout in compel arbihalbn of any Cizim bmvgld as sari of any lawsur We rail not elect a INtlatc arblralion of any C bJm brwohi it a smug rizims cmd (or the eovivzte.-l), so long as the Mt imiwzlns fnrhat tour. is made solely onbehall d in indlt•idvzl or ioird avmrr{ holdrr and is not made as pull of a class action, privalc ansnry general action or Other represtnmdve of tnRcrrir. aslian. You zrd we must follow IAe nil" of the Adnir.',slralors In initizle zrbin0o-i. 11 you inif;zle vbMzltsq yon may dleost one of The AdmirJsfrtlas, W you must real us ark nndee reguirrd by the Adminislralw lD P.D. Box 83550. RiehmLbnd, VA 2328>5550. N wi myrelf arbtzfion, we will chDost tar at IFd AtlmiDLslrrlDrs, znd we : zf mil you any natfa required byp the Administrlor In yrrs laSuato billing address. N wt has- Inhaled zrbilrarrm. vx will ebmIlt the AdTmlSfnlor at yarn mcluei! It fad natty us in yr-dinp at the zbnve address stilbin 6*11 days of Ore daft DI airy nctec vet sZ?>d You o! rxc IMrisDan V wbllal'carL 021 Welcome to Capital One® Have you activated your card? To use your card, 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. 0 2001 Capital One Services, Inc. Capital One is a federally registered service mark. AN rights reserved. 021-1100 Caplta/QWa PLATINUM VI SA ACCOUNT MAY 08 -JUN 07, 2002 4862-3622-0275-2625 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance 500 Payments, Credits and Adjustments $.00 Tnutsacti Transactions $49.50 otls Finance Charges $,00 1 27 MAY HOYT'S EAST HARRISBURG HARRISBURG PA New Balance 2 07JUN MEMBERSHIP FEE $10.50 39 00 $49.50 Minimum Amount Due $15.00 . Payment Due Date July 06, 2002 Total Credit Line $000 Total Available Credit $1,950.50 Credit Line for Cash $1,000 Available Credit for Cash $1,000.00 At your service To catl C-tourer Relations or to report a lost or stolen card 1-800-903-3637 For fr. online account serv;ce and apod i autorr r offers, log on to: wwtv.capit.1-oom Send Payments to: Send inqu;ria to: Attn: Remittance Proceuing Capital One Services Capiml Orm Srrvias P.O. B. 85147 P.O. B. 85015 Richmond, VA 27276 Richmond, VA 23285-5015 Finance Charges Pleore tee reverse sidefw impo rfanf information Balance rte r dto Period. Comes dutg MOR Ap PU CASH RCHASES 4.00 rate .0171296 9.90% E f.00 S.00 .04082% 14.90% f.00 ANNUAL PERCENTAGE RATE a lied thi i d pp s per o 0.00% 4507M PLEASE RETURN PORTION BELOW WITH PAYMENT. Capiralow` 0000000 0 4862362202752625 07 0049500000000015005 New Balance $4950 P/eanpeiafaddnsr el ges,,I ariwgbl orbl-k risk, Minimum Amount Due $1500 Payment Due Date July 06, 2002 srrrec Apt ar Total enclosed S.. ZIP Home Phone Al.-t, Phone #9015956580575519# MAIL ID NUMBER Capital One Bank Z PETER IT P.O. Box 65147 0 ?. 4173 GROUSE OUSE CT Richmond, VA 23276 MECHANICSBURG PA 17050-9116 YHIDIT ` D Ptea<e su'i}e your arroant nambn on your rherk or money order rnarte Payable to CafitaJ OneBank and mai/ in the enraed envelofe. 8 O I O N 25 days wiMpx finance h lire minimum grace Podod of balance trens(ers, new spariar9e,r nonY Purchases. new purchases Marg« if your peY your tonal "New °m nmv other Balance", in as iC f aM be Notice far payments blow to to eaeirg date. There is ro b' Your nett statement and special ,remiss. In ?? period m cast, advances any [rasa--don if Youa? them is ro Bence pe bd belarcma." pay Ae tcea! "New b. oaukgaF (e . Tranreambre which am net from the date of tbetmrractionanor2) tram qhe date-tins ) transaction, is P-Dest d to Your Accann w 3Y from the first mBahder day of de ears, biiNrq period. f yw rid rot pay the 'New Balance' Fran yhe Ad NaroNy, b8N„g period inl full, raance charges -one. topacerue Parr tr baance -s the unpaid balance N paid in frN. Thi to TWO means ns rlat you may atiN Owe finance darges Your pay the er,yre New Balrct indcated on de , front ayeofs i yourst a[amam by the WO,' s[acnimt dosing dale, but did net added ffar o he Pp-p-1 mmM. Unpaid Nranco butol to. NAYirraan F=.aq.b.l racent bOf your Aoc ' your accouux la stgem to a finance caM paced that teal RWINCE C1iAR=90.60 will begaGn a mki,mn, total firarce cage from the Poead. If Me =f=(9) is less than 30.50, weawfllla6tmrecotrtln r biNed to the purchsee the 30.50 minimum and the difference will be opn } 'r d. Terrporary llar?,otiar, is F'a,>naa CJarg? W¢ rose the ip to rat period eax« any or aY finance da,gae far any given 2. Aver h. age Daffy aalanea In N. Purahasnl. e. France Marge is calouiatedof y MpPlyfrg ye daily balance of science each °°t your autos (e,g., mast, by them eap?apadxng?al tmrsfar, anti spatial purdaae) theProvksdy cl= to y paced. ram(s) ,fat hey been hatlrg perod, we app y Uhe At it. dally and of awn day dt y paced. rote for sad sign, °,t of Yar secant to tM desyk rrce of eaM th. 77 te7ohfeniheae deity Ealaledaa to q?ve atmyoau?r resulrs from sad, charge for aeM °aantmt, We add up yra seenmem to arrive et y,a trial period. nrrrier0a far Your aeceunr. To get the daily balance baI foraa= of your ecednt, we take Me beglmkg and my dock a i,ceamc,ea? add any maw transacyons days belanc?e for tier ? ?IX/sued m tta proviso P Ymaas or .rods segrent 8° . of that then day 't that am am any to pat p°stBd apacated for end, scgn,mt off styes tct tfa aepamfe daily balance Now B lance eNnrvn m r account. No??• 1f Your id tine If your row belaace Your previous a Grad[ amoumjn nil{or Pum asa vdnidn post m Vow Pumtax or spend =am tagetfer en emnmm?d ddeirolyt bala yid tZ nce bye Z all it. doilWe rg sin b t in the current aBkg etude. To ralalatrseaymar mtd dailype dod? Y,, me average da/y balance by the ad. Due to _. Y ember of days n the NINrg peri m a doily basis , them ma finanve hroa batwtta, this catalmlm and you -mbeenue of firoce de or 11 ii y assessed. b. It the code Z o N appears on the from of pis a, _a, e set eT"&dance Rate_. Applfad To,' wa mold e d,.s., .er__ dv Me 4507M wvmnp tamrce of earn segmenteecln imnsamims to eaM segment, anti abtn or crEdts, df ye code N appears m the amtemom roM to 'Balance Rate Appliad ham anunpid finance charge irntlu,u ) 7Na gives um Me dell) e adtl tp ail the daily k gjin?e bdld? and dNde I nce of a tliadad TNs segment. 9990 we take the day, add any of en"pzz. from in e of tNa Ta," I as led s bel balance of each nlences for each tY the total gees us the a. The term 'Anrwal Percentage Rate' may appear as b. If the •code P (Prime}, L(3-mo. LIBOR), C (Certificate of rim a IN. statem-1 S ent noM?the p eriodcppraet oa tttm front of may Z= ANNUAL PERCEMgGE. may vary t ry in l may me- or decrease based en the mated inde and RATES «, n found in The Wall Sbeet ?Orrrrm? plus the margin preti0ursty dadosod to you. These congrst da of billing as will he effective on the fi in the month covered anwr by Your Periodic statement endsngr n the omonths de January, Apd, my and October. c, If the code B (Prime), F (1-mo. and or G (3-mo. UBOR) LIBOR ReDdoed MentNV) appears m the from of your tetemOn[ nsM to [he paced. (.)'A-,, pedoek rat« sandtat cenesporhdrg gNN1gL PERCCENrRATES may varyed indices monyiy and may increase or decrease based myna , and in The Wad Sir Z?=.:.,y eet Jeseowne% plus the dsdoxd to you. Th cargos vdll e on the first day of Your billing period oath mmM. 4 Your vAIbe esee o tPWn' F- fee. listed fare that occur during any billing pcdod. Under the mama waive of or your castanet agreement, we reserve you tight to tat to assess any te« wither, prior rotiflcellen to yen witfeut wetMrg our right to assess the same or similar e?e?s?et?a later pme. 5. ?Nf-•`??....0 Your Aamm?t• If a membonlip fat PPeers an the from of iNS stetemrm, ttw lave 30 days from the date this statement was mailed m you to it you pay el the tee or to lave such fee credit to yen confinua to use accor unt. Doling this period, you may membership tee. caace w'%W hating to pay the notify tai by catty pw Your account, your must and pay Y ur 'rlew Belanca? ina{uylelextludr g ip h¢mem membt p fee) prior to tie er,q of the thinyKlay . 6. If You CJase Your Aaawut. You can requ,en Io cox period your account by Edling err Castanet Relatiora acepaourtnmaccass mks, c ap r credit cord(s) and antl cease using you, account. If praauthodzeal preauthorized billing You do b'rlbg, wa will careider medpi of a charge your amhadzetion to reopen your account. Additionally. Your account will rot he dosed until you peY all amount' you owe us including: any tmnsamiaa you taut authorized, finance Merges, Post it _a le« a?ndtanyaother few ssesaed taayourash a-' r turn p.- count, You ere reaponsime for [nose amouma whether they appear an your account at the time yen request to close the secant or they are incurred subsaquam [a Yhar esge at to cox Mp account. TNs may t«WI In reouesu.dadn^g m Your account attar you have Your amount if it h=.- n dosed. For examdo, if You atrthorized a a mere ant and wmr nc"receive the trarhsactim from pa merchant after Your your account will be reopened, torsrtsoff Ve =c closed, and Wtr w7ll e l be added to your ecrnutt once membership me for payment. If them I. o to be tla for your secant, the foe will Oomkate to the eMem pcM i W y law, until de account anc?e has beer, Paid In fill abs d ar above. 7. llsig Van Aocoun.Vmr card or account carnet be rainaErrmy?raherdm with any hteme[ gambling 8. Notles Al - ElaatraNa Cl,aslt .arrvarmn. When You - nom k °° P°Yment, you, authorize either to demroric fund t= Yrfrorc chick rto make a ore-time you or Process the Pay.. as a deck trarbankaectim,.ro.am to When we use, raMmaten hero Your deck to make an demmon;a find transfer, fattg may be withdrewn from Your bank .cant as soon 49 the same day we receive your PaYmap, and you -N not receive Yarr dark back hem your financial instiordon. BILLING RIGUITS SUMMARY 'in cox of Ermts Or ouastiona If yam IN.k ,ion your bill I. About your Bill' wro, In you need more separate s at s nmr :np ngor«,,. wy11 to us on a steer as soon as poI at the address for f,nara fran on you front of this statement. We must first bill on 14ich the error days after wa soot yen the cell cur C'tomer 1ldetima nunpitbe em appeared. You can doing x will not 'preserve you d0+>e. n but nor -c your Its =daccotntgntmber 1theddo lam a.nil a. of the suspected amen, a d«criptim of tine error ro ; or if your u r nUfeed d mo moreme,Inf e' why Yon believe there is the hom or if mation, a description of meotor inyou are unsure about , you do net have to pay arty ° rlu«llm wiYle we am investigatinr you gg h, but ar s dAigat?d to pay the pane of your dll?lat are ne, in question. as Is we nveatigate you q-ad we amoureportnt you you as deffaqusnt Or take any action to cogent the question carom , fit SPeclal Ruhi For Credi laid Puachas« if you %e problem with ye quality of property or lave tried In Y°ur p Is ua'i,eaed with a credit prd card end ccard eend you merMent, good tth to cones the the amount due ?mjty ph?Oapmo the right not m pay the I the t ining protection any w}nen tla ny or xMC«. You have ilia $50.00 and the pu"d189E.ce was more than within 100 Mlea Purchase was maden Your home stat0 or operate the merchantYao? it we me1lr you tune own or advertisement for you rimpeny or seMCes, all purchases e covered regardess o} amount or location of purchase,) Please rcmamber to sign all correspondence t Does rot apply 10 consemor iron-credit card accounts Y ROCS rot apply to butin,- mat-eme& card accounts Ona supports infomtadon privacy protection: sea our at w..cepprrlalone.com. lha is a faderaNy rag"st as ared rtice mark of Capital andal Co,pomt'an All rigors rexrvad. a 2003 Ona - 01LGLBAK 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.he.k in the enclosed remittance envelope, and your payment addressed to our Virginia or Georgia processing .enter must be received on a business dalvb 3:0O our processing canter b ayments Washington processing center must be received on a business day by 3:00 p.m. PT by 3 p.m. P delivery. Payments y Y p.m. ET. Payments addressed to our ast five (5 business ds for postal yments received by us at any other location or in another form may not Please edited he e same day weireceive them Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Welcome to Capital One' Have you activated your card? To use your card, 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. 020011 Capital One Services, Inc. Capital One is a tederagy reglstered service mark. AN rights reserved. 021 021-11 DO Capital (?W6 PLATINUM V ISA ACCOUNT MAY 08 - JUN 07, 2002 4862-3622-0275-2625 Page 1 of 1 Account Suntniary Payments, Credits and Adjustments Previous Balance $.00 Payments, Credits and Adjustments $.00 Tnuisactions Transactions $49.50 Finance Charges $.00 1 27 MAY HOYT'S EAST HARRISBURG HARRISBURG PA $10.50 New Balance 2 07 JUN MEMBERSHIP FEE 39.00 $49.50 Minimum Amount Due $15.00 Payment Due Date July 06, 2002 Total Credit Line $2,000 Total Available Credit $1,950.50 Credit Line for Cash $1,000 Available Credit for Cash $1,000.00 At your service To tall Custom. Relations or to report . last or stolen seed 1-800-903-3637 For ft. nh- .--t -jo, and apocint custom. offers, log on to: wu?v.opitilan?com Send payments ta: Send mquvies to: Atm: Remittance Processing CupiW. 0-S-- CayiulOneSer.i.- P.O. B. 85147 P.O. B. 85015 Richmond, V-A 23276 Richmond, VA 232s5-5015 Finance Charges Pleare me reverse Jide jor important injmmation Bat rate Pniedv Cormponding Fjj?jANCE pplirdto rate APR CjjAjjGE PURCHASES S.00 .01712% CASH 9.90% 5.00 S.00 .04082% 14.90% S.00 ANNUAL PERCENTAGE RATE applied this period 0.00% 4507M ? PLEASE RETURN PORTION BELOW WITH PAYMENT. /? CaprtaloW- 0000000 0 4862362202752625 07 004950000000 0015005 New Balance $4950 P/arrpn,.r Jb-chargebr! m;Rdb! - .E;..E Minimum Amount Due $1500 Payment Due Date July 06, 2002 so-eet Ape Total enclosed $ cay Sme ZIP Nome Phone P.Lanate Phone 565805755194 MAIL ID NUMBER r EXHIBIT Capital One Bank ? PETER TER ISCARIOT P.O. Box 85147 0 .? 4173 GROUSE CT Richmond, VA 23276 v'^ ? MECHANICSBURG PA 17050-9116 IIIII III IIIIIIr'?Ir1?1?Ir1I'lll??nr??nt??ur??m??ut??m? ° ° P1 cue errrite yore account number on yow check or money mdse modepayable to Capital One Bank and n i! in the enclared envelope. 8 O O o i O N Period. to. To obtain the average daily balance for the blgirg pemd cowred by this matorrom, wr: take the b.gmr I balance of cacti xpmorrt each day, add any row troreacfiaen to caCh sepnent, and subtend any payments w credits. (If the cam N appears an The from of this statanent rot to'Oalonco Rme A=. ,' we lso any X`I finance chatoo in the bala nce .1. ach se t.) Thus the dairy balance of each segment. Then, we .11r udally balarncea for each number to daub. billing period and d"-d' by number he ys in the billing pedod. This Biwta ustendth. -mg. daily balance of each segment. 3. Amad Proertaga Ratan IAPRI- a. The tomb 'Annual Percentage Rate' may appear as 'APR' on the front of die sutenmt. b. If the code P (Prime), L (3-the. LIBOR), C (Certificate of Deposit), on S (Bankcard Prime) appears an the front of this statement next to the pedodc rate(s), the pc'ode rates, and cwmmpatdng ANNUAL PERCENTAGE RATES may vary quorteAy and may increase or docmax based m the stated indices, as found In Th. Wad/ Street .AaunN, plus the margin previously disdosod to you. These flanges will be clicotw m tin first day o1 your billing period --red by Periodic sutanont ending in the months Ja-y, Ayax pril, ,tidy and October. c. It the code D (Prime), F 0-no. LIBOR) or G (3-mo. UBOR Repriced Mem" appears en tine front of your ute_I next to the peI=' od. rate(s), the period. rotes 5-1.'d ANNUAL PERCENTAGE RATES may most and may increase w decrease bared m the In dcca, as farad In Th. Wap Sweet. W, plus the margin previously d ld-d to -Those changes will be effective on the first day of your billing period each month. 4. Assassmrut of Later Ovrfimit attd Raeans l Payr al t Fuss, your account will be assessed m more than two of the ices )hied here that occur during any billing period. Under the terms of youe customer aprwree t, we reserve the right io or rot to aasesa any tcea without for notification to You td In, walvirg our sigh[ to assess the some or similar fees eta lator time. 5.tR-- - A=f- If a membership lee appears on the from o11his statement, you have 30 days from the date this statement was mailed to you to wad paying the fee or to haw such lee cradled to you if you cannel you account. During this period, you may continue to use your ac-" Wthom b"ng to pay the membesship fee. To caned you erount, you moat notify us by caliirg our C .=,sRcletima Department and pay your 'New Balance' in fWl (excudirg the membership toe) prior to ihC and of the thiny-doy poled. 6. If you Cbaa Your Aoosut. You can request to dose yyoa++r accant by calling our Customer RdOtfore Depanmem. Vat mum destroy your credit card(s) and account access chocks, cannel all preauthodzed billing, and a uainv youe sheath. If You m not caned preaaho. bling ansrngoments, wen will oMimr receipt of a corp. your authorization to roop your accent. Additionally, your accent vrill nth bon e dosed mtfl you pay all am um. You owe us including: any tronsadhane you have aNMri3ed, fnanc0 charges, past due fors, ovedimil fees, resumed payment fees, cash advaec fees and any other lees a--,d to Your account. You are m.ponsbic for these amatnta 1401h., they appear en Your accent at the time you request to close the accent or they am Incurred subsequent 10 your request to dose the account. This may reed, in charges appearing m your account after you haw your accotnc a it has already been dosed. For example, if You audnrizod a Purdhwe from a morn hant and coo tuxxiw the transaction from the merdhom after your accent has boexh dosed, your account "ll be rmpehnel, the youth of tie .bongo will be stlrlod to your accent, map«aibla for payment. If them is a and you evrII be to bo orhbdrshap , to Q oetrenccpnt, tiro fco will car =if th - id in ece+n[ ba I.- has been pum a It y law, ratihe 7. Using Your Aomrrt.Your c rd or aclewst?cannotabbeew used In eennetton with any inteme, gambling trareeaWra. 6. Notioa Abort Elacber" Chock Canvrmn. When you provide a check as psymenL Vn k To authorize us elder Lo duse information hen Dar deck make a account or to c [uric M as your bank accou or to process the poyMo a Check t n. When we use info r f from Your check to make make a from electron, had transfer, tint.s they be withdrawn front your bank accou¢ as soon as the same day your r : your paymenn and you will net mc.fw your Check back from your financial iratitaion. BILUNG RIGHTS SUMMARY (In Case Of Evora Or Oucstims About Your Bill) Iyou think Your bill is mong, or If you need more information on a tmresctbn or bill, write to us en a separate sheet as soon as possible at the address for inquidet; shown on the front of this slatamCm. We moat hear 1 you no later than 00 days after we set you the first bill on Wlch the =. r Problem app-n` you can call our Customer Rdnumber, dirt doing ao will not preserve Your fight.. In Mtter, giveus the ing information: your name ynud WW accourn number, the dollar amount of the suspected error, a description of the error and m explanation, ii possible, of why you bdW- them fs m error; or ii you reeed more information, a rlexripdon of the fiat you are uauro abort. Vou m net haw to pay any m t In queat{en while we are invanigotfng it, bun you obligated to pay the pone of your bill shat are not e still In weanm, whiW w e Wv.et gate vet gneaden, we .mart report you as ddinqurmt or take any action to cdleel the amaun you question. t, -r Spacial Rule For Credit Card Purchases If you haw a problem with the quality of property w servirxs flat you purriased with s credit card and you law tried In good 1a{th to coned the 1.- with Inn meechant, you may law the right not to pay to rana)ring amen[ dun en the pr ray or seMCes. You haw Inds protection oily vAherh the purchase priwas more than $60.00 and rho purchase was mode in your home state or within 100 miles of your mailing address. (I1 wC own or elemte the merchant, or if wC mallad you the advertisement Wr the Dropoery or services, all purchases c cevered rogardess of amont or location of purchase.) Rcax remanber to sip[ all cenespomdence. t DO- not app/y to consumer non-crodit Card .-Is S Docs rot apply to business non-cmell card accounts supports infonnation privacy protection: we our www. capp=lore.com. ,. a federally' .1. red service mark of Capital ial Corporatmnr All rights reserved. a 2003 01LGLBAK 1. Haw To Avoid A Fianna Charge. t o. Graea Priod. You will haw a mitimunt pmco period of 25 drys without finance long. on rew purchases, row be,- tmrofors, now :pedal prudes n and rcw other Charges if you pay your teal 'New BaWncc', in arxor,b- vmh tlx inportnM Nonce for payments bol- end tin tine for it to m credmd by your next s=temont dosing date. Them is M Waco period m cash advances and spade Irs. W aditfon, them is no grace period any ' You m rat pay The Total -New b. Aoaukhg Fiance Chrga. Tmrsacdas vdiCh arc rot shbject to a gram period rim ass •d Bronco largo 1) from the data of the vansacton or 2) from the date The transaction is pmoosxd to your Accent or 3) from the firs[ caledor day of the curtain billing Period. Additionally, if Yore 6d net pay rho Now Briar c from the previous bilBrg period in full, finarhce tlarges centiruc to ocone to your unpaid bdarhca rrxl rho unpaid bolero. is paid in fall. This meare du[ you may Hill owe firherhce ndarges, own if you pay The mtfm New anca iricated en the from[ of your ram mot by the rnx[ :[marten[ dosing date, but dal m[ da se for the pmvlors march. Uttpaid finance darges m odkul to the eppficable For each bt11Wg pe acpraM of your A.mriod tharnt. te. Miimrn Fihrhoa tlnrg . t your acrnam is subject [o a Branca darge, a minimum oral RNANCE CFWRGE of $0.50 Al[ oral impowhd. Ii do [oral finance charg=t ing from the eppBcaton of your periodic mho(s) is n $0.50, hve coil subtract cat amount tram tho $0.50 minimum and the difWronco EMI be bi1Wd ro ih. purdax m?npn of your aa:arm. td. Tarrporary Reduction in Friaries tlwga, We rexrw the III, to rot asaeae my or all financo carps for any given billing Pared 2. Awapa Dally Balanoa IMnekadig Naw Purahasaal. a. Fnmhoe charge is calNatod by m=tiplyfrg the dilly bdernce of cad, -gran nt of your account (e.g., cash dvrrn, purdam, apodal trarefcr, end =,I pumhax) M the co^eapwafrg dally periodic rme(a that hen been pmvlgWy diadosod m yen. a to end of each day cut{rig the bifirg period, eve apply hie logy periods date for mdh segment of you scion[ to the daily IWarna of ea h segment. Than at ft oil of the b?lirg period, we add up Z== daay talc latioro to amw at your arge lor each segment. We aril io the taints from eaCh segment to amw at the rated periodic France charge for yon secant. To get Ube doily balance for each sopnent of Your account, we take to booming balance for each sagme a and add attryry thew troreamene, and my ppecdole, finance charge rdalated m the ptevigffi day be once, for that segment. We than attract any paymmrs or erect= pasted ae of that day cat am allocated roof c spnoM. Ths pace car trio sryoram dally b0lancc segnat of your accarx. Howowr, it ya. paid rho Now Bolanco strewn on Your pmNen start0mon, in M if your new be].- coos zero w a credit omaut), new trosoctiora whiCh post [o Your purdaso w spodd purchase scpnph= ore rot added to the tloily balances. We calaiatc Z=71 dilly bdonce by arising all the daily balances d di viding the sun by th. nurnber of ono days in the Current billing cycle. To calc fare your tmol fist- carpe, ntltiply your swinge may balance by the dairy pmbdic rate and byour -bar of drays in the billg period. Due To hooding on a daily pasts, Them may be ri slight variance borv this CalWation and the amount of finance cargo acnmay asscasd. b. If the cod Z or N appears on the irmt of this stalmhent mare to'Bdanco Rate Applied To,' vin multiply rho 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 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 clips, etc. when preparing your payment. First 3 months half-price 1 / a month; 4 97 $9.9Umo, thereafter SIGN UP TODAYI ' 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral Capital ow, PLATINUM VISA ACCOUNT 4862-3622-0275-2625 Account Summary Payments, Credits and Adjustments JUN 08 - JUL 07, 2002 Page 1 of 1 Previous Balance $49.50 Payments, Credits and Adjustments SAO Your scheduled payment has not been received. Please remit the amount due appearing on this statement if Transactions $629.52 you have already made your payment, please accept our thanks. Finance Charges $2.69 Transactions New Balance 5681.71 Minimum Amount Due $35.00 1 24 JUN CC *MAC MALL 800-222-2808 CA $600.52 Payment Due Date August 07, 2002 2 07 JUL PAST DUE FEE 29.00 Total Credit Line 52,000 Total Available Credit $1,318.29 Credit Line for Cash $1,000 Available Credit for Cash $1,000.00 At your service To OLD Cwtomu Relations or to report a lost or stolen card: 1-800-903-3637 For free online account service and special -stoma ofirm, log on to: ww -pitalone.com Send pay-ts to. Send inquiries to. Attn: Remittance Processing Capital One Services Capital One Services P.O. Box 85147 P.O. Box 85015 Richmond, V4,23276 Richmond, VA 23285-5015 Imvortant Account Information Auto Rental Insurance-Receive auto rental coverage at no cost for damage due to collision or theft. Effective 3101102, losses as a result of fire, hail, lightning, flood, or other weather-related causes are covered. Warranty Manager-Automatically doubles manufacturer's written U.S. repair warranty up to one year on warranties of 3 years or less. Register your purchases by phone or online. Certain restrictions and conditions apply. Co to www.visa.com/benefits or call 1-800-595-9928 now for complete benefit information. 4779M Finance Charges Please see reoerze ride for important info nation d&afe e Care ding I:II?l?I11C r e PURCHASES $330.43 .02712% 9.9096 $2.69 CASH $.00 .0408296 14.90% S.00 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. Capf olio 'a 0000000 0 4862362202752625 07 0681710000000035009 PI<mep.usreldrrn rl1n,cgm be/ unxg b! or black ixk New Balance $681.71 Minimum Amount Due $35.00 See Apt e Payment Due Date August 07, 2002 Gry Sta. ZIP Total enclosed $ H- Phone Aitftaate Phone #9018856580575518# MAIL ID NUMBER Capital One Bank m PETER ISCARIOT P.O. Box 85147 ..L 4173 GROUSE CT Richmond, VA 23276 ?. MECHANICSBURG PA 17050-9116 0 ° o Please v ire yoar account number on yora heck or money order nadepayable to Capital One Bank and mail in the enclxed envelofe. peoplep- online A better 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 9.90% F peoplepu online %1-.11 A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral PeoptePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. N1 rights reserved. 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. 'PeeplePC Online: First 3 rraonlhs 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 offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1.888-5TRYNOW. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining 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-up numbers may be changed at PeoptePC I; discretion. Continuous use subject to timeout procedures. All use is subject to PeoptePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. NI Rights Reserved. PeoptePC Online and its logos are registered trademarks of PeoptePC in the U.S. and other countries, 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. NI rights reserved. 8 O O j O N rdoufic rate. To obtain the average daily balance for the billing period covered by this statement, we take the hegiann0 bslanca of each segment each day, add any new Transactions a each segment, and sWtmm any poymerds or credits. (If the ride N appears an the from of this statement text to "Balance Rate Applied To' we also subtract any unpaid finance charge irduded in the balance of each segment.) This gives is the daay balance of each segment. I han, we add up all the dally balanced for each segment for the billing period and dvide by The local -be, of days in the billing period. This gives us the average daily balartm of each segnent. 3. Annul Wortape Rates IAPRI. a. The tens 'Annual Percentage Rate' may appear as 'APR' on the Arent of Chia statement. b. If the code P (Prime), L (3-me LIBOR), C iCertificate of Deposit), or S (Bankcard Prime) appears on the front of this statement next to the pedode ate(s), Are perode rates and corresponding ANNUAL PERCENTAGE RATES may vary q.anedy and may increase or decrease based en the stated ad-, as found in The Well Street Journal, plus the margin previously dsdosed to you. These hartgee will be effective on rho first day of your biB? mpad covered onths January, by your period. statemwm erxtng c. If the code D (PrimeF 11-me.LIBOR) or (3 (3-mo. LIBOR Repriced Monthly) appears m the front of your statement next to the periodic trials), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may inereade o decrease based on the sated incites, as foul in The Well Street Journal, plus the margin provieusly disclosed to you. These charges will be effective on ire first day of your bilbng period each month. 4. Aswdma t of late, Overlsrit and RebrrrW Paymrt Feu. Your accent will be assessed ne mote than two of the fees listed here that occur during any billing period. Under the terms of your customer agreement, are reserve the right to welve or net to assess any fees without or notifiri 1 to you without waiving our right to assess the soma or similar fees at a later time. 6.tRarrsweq You Aacoust If a memberahie fee peum an the from of this alarmism, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such tee credted to you if you cancel your account. During this period, you may continue to case your account without having to pay the membership fee. To carrel your account, you must notify us by calling our Customer Relation Department and pay your 'Now Balance' in full (excluding the membership fee) prior tc the end Of the thirty-day period. 6. N You Class Your Adaaui. Vora can request to dose you account by calling our Customer Relations Department. You must destroy your credit card(s) acrd account access decks, cancel all preauthodzed billing, and cease usin your account. If you do net cancel preauderized billing arrangements, we will consider yyoauur receipt of a charge your autisorizatien to mopescloaeded amount. Additionally, your account will not be until you Pay all amount. you owe us including: any uansacie" you have authorized, Andres, charges, pest due face, ovedimit fees, renamed payment fees, cash advance fees and any other fees assessed to your accout. You are responsible for these amounts whether they appear an your account at the time you request to close the account or they am incurred subsequent to your request to dose the account. This may result in charges appearing an your accent after you have your account, if it has already been dosed. For example, if you authorized a purchase from a merdarnt end we receive the transaction from the merchant after your accent has been dosed, your account will be reopened, the anent of the charge will be added to your account, and yyoouu WWI be responsible for payment. If them is a membership fee for your account, the fee will continue, to be charged, to the extent permitted by law, until the ccan[ balance has been paid In full as deflred above. 7. tlaiug you Adddcrt.Ycur card or account censer be need in ran i n with any Internet gambling transactions. 8. !aided About Eledtrcrio Chadic Omwysbn. When you provide a heck as payment, you auhorize us either m use !.to- din from you deck to make a ono-time ol-ror is fund transfer from your bank accord, or to procesa the payment as a deck transaction When we use infomsatan from your deck to make an olectranic fund tronsfor, fund, may be withdrawn from your bank accent as soon as the same day - restive Wur payment, and you will not receive your dock bock from your finsncial insulation. BILLING RIGHTS SUMMARY (In Case Of Enors Or Ouestioa Abort Your Bill) If you think your bill is wrong, or if you need mom information on . transaction or bill, write to us on a separate sheet as seen as possible at the address for 'nguldes shovm en the from of this statement. We must hear from you no later than 90 day. after we amt you the first till en wfih the error or problem appeared. You can call our Customer Relations number, but doing ad will not preserve your rigors. In your letter, give its the following miomne4on: your name and account mmber, the dollar amount of the suspected ear, a descripten of the error and an etplanetion, if possible, of why you believe there Is n error; or Ii you need mom Information, a description of the hall mart Ind are unsure about. You do mot have to pay any question while we are investigating It, but you are still ci lgefed io pay the pans of your bill that are net in question. yJNle we Investigate your question, we came[ report you as delinquam or take any action to collect the amount you question. 3,1- $pedal race, For Credit Card Purchases If you rave a problem with the quality of property er sCMces that you purchased with a credit card and you lave Tried in good faith to correct the problem with tfs merchant, you may have its right net to pay the remaining amount due on the progeny or services. You have ills protection only when tiro purchase price was more than 950.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the propehy o services, allpurdases em covered regardnsa of amount or locatien of pudVw.) Please remember to aign all correspondence. t Doc. not apply to co-viler mn-credit card account. I Does rot apply to busine.s non-credit cold eccoma Capital One supports information privacy protection: see our weber' at weed. talas.com. Capital Ors is a gully tegistarad service mark of Capital One Financial Corporation. All dgMa reserved. ° 2(X3 Capital One 01LOLBAK To- Raw Wind. Yw will have a m)rimum grace period of 25 days Without Andres, charge en new purchased, new, balance transfers, new special purchased and new otter charges if you pay your total 'Now Balance-, in acedrdi ace, with the Important Notice our payments below, and in time for it to be cradled by your next statement dosing date. There is no 9- period on all advances end special [rmsfers' In edJd n, there a no gace period any transaction If you do rot Pay the tool 'New balance.' b. Accruing Fin- charge. Transactions vNi h are rot skClect to a gam period am assessed find charge 1) ner, from the date of the tratwacdon or 2) from the date the transaction is precesscd to your Accent or 3) from the first calendar day of the current billirg period. Additionally, if you rid rot pay the 'New Balance' from the provious billing period In fill, fnernce charges corronue to decrue to you tapeid balerce use the unpaid balance is paid in full. This moors that you mayy stilt owe fmarnce energas, even if you pay the entire Now Decree inrLraad c the host of yes statement by the next statement closing date, but did not do so for the previous month. Un ald finance charged are added a the a cable segment of your Account. '?' c. MInInarn Ficrrae arye. For each baling period that your account cis subject to a firer- charge, a minimum [owl FINANCE CHARGE of $0.60 will be imposed. If the total firaxee daresulting from the application of your periodic assets) Leiser than $0.50, we will subtract that emout fran the 460.50 minimum and the difference will be bdaed to the purdase aepnent of your accent. td. r dgh>toot n in assess any or all finance charges for an the bWl V period 2. Average Daily Balrae fnaktlrny Now Arahanesl. e. Franca duenrge is rwraldied 6y muddying the daily balance of eaen sapnem of your xrount (e.g., cash active-, Purhase, special transfer, and special purchase) by the correaporndrq doily Pew rote(s) that he. b- y r ?ds od `appy the dthe end ay ppediodc?mteafor ead?i seTrent of yew decant to the deav balance of each sagntra. Then st tire, and of tta bi To period, we add up pa resuls of dnede daily caloialkrs to, arrive m riadc firmm?ce da for each rid is, r ?resuius from eaen se0nent to arrive at the total peadedice (ranee .he for your account. To get the daily balance for each segment of your accent, we take the beginning balance for seen segment and add my new tarsactiore and any period. firance charge calaamed on the previous day's balance for that segment. We then subtract any Payments or cadta posted as of flat day that are eamated to that segment. This gives is the sepaaa decry balance our eadr sagnem of your accent. Hwvavo, If you Paid the Naw BalarruB slrowrtn en your previous statement in fill (or if your new beIs- was zere o a credit annum), raw treed o s which pose to your purchase or special purdase segnam am roc added to the daily balanced. We calc laa the average daily bal by adding all the daily baarce , togeter and dividing the sun by de nnunber of its days n the taxtarrl biganp cycle. To calaaas year total gnerl.e dsrge, maiddv yon average may belernce by rice daily periodic ate end by the camber of days n the billig tt finance e d dria e D t caloNletlan aM the emrxnm of an the the b. If the code e Z o actually N N appears on ass ss trap of this stetemem next TO -Balenca R.I. Applied To,' we muiciply the 4779M 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 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 clips, etc. when preparing your payment. f First 3 months half-price 1 1 4 7* W, a month; $9.9&mo. thereafter SIGN UP TODAY! ' 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/go/jade CapitalO " PLATINUM VISA ACCOUNT 4862-3622-0275-2625 Account Summary Payments, Credits and Adjustments JUL 08 - AUG 07, 2002 Page 1 of 1 Previous Balance .5681.71 1 09 JUL CAPITAL ONE ONLINE ACH PAYMENT 535.00- Payments, Credits and Adjustments $114.00 2 09 JUL PAST DUE FEE CREDIT 29.00- Transactions $750.35 3 05 AUG CAPITAL ONE ONLINE ACH PAYMENT 50.00- Finance Charges 524.15 New Balance $1,342.21 Minimum Amount Due 540.00 Payment Due Date September 07, 2002 Total Credit Line $3,000 Total Available Credit $1,657.79 Credit Line for Cash $1,500 Available Credit for Cash $878.28 At your service To mB Cmtoma ReIstiom or to nport a lost or stolen card 1-800-903-3637 For fret online aoootmt s lee and special owoma offers, log on to. nH -Pitaloncmm Send Perments to: Send inquiries to: Attn: Ra ttmc Pro rasing Caprtnal One Services Capital One Serviea P.O. Box 85147 P.O. B. 95015 Richmond, VA 23276 Richmond, VA 23285-5015 4698M Transactions 4 30 JUL CLSNT FOOD STORES #113 ENOLA PA $20.50 5 30 JUL GIANT FOOD #113 S18 ENOL.4 PA 34.52 6 01 AUG HESS # 32430 VA1LS GATE NY 15.01 7 03 AUG SUMMERDALE DINER ENOLA PA 10.96 8 04 AUG GINGERBREAD MAN RIVERS WORMLEYSBURG PA 24.62 9 05 AUG CASH ADV. ST SHORE PLA LEMOYNE PA 301.50 to 05 AUG THE HEALTHY GROCER CAMP HILL PA 30.85 11 05 AUG CL4NT FOOD #110 SI8 CAMP HILL PA 10.89 12 o6 AUG CASH ADV. ST SHORE PLA LEMOYNE PA 301.50 13 07 AUG CASH ADVANCE FEE - - FINANCE CHARGE 18.10 F'matlee Charges Pleare tee revnJeri kjor important information Ealamer rate Periodic Come dmg mg .+ppivdto rate APR PURCHASES $645.94 .02712% 9.90% $5.43 CASH $48.64 .04082% 14.90% $.62 ANNUAL PERCENTAGE RATE applied this period 23.21% PLEASE RETURN PORTION BELOW WITH PAYMENT. Gapitalow, 0000000 0 4862362202752625 07 1342210050000040001 New Balance $1,342.21 Minimum Amount Due $40.00 Payment Due Date September 07, 2002 Total enclosed $ 1 -7 X-pn><raddnrr ngrrb,,- iRgbl--&1 {irk Street Apc Y Gry Sta. ZIP Home Phone Al.-n Pho. #9022056580575519# MAIL ID NUMBER Capital One Bank PETER ISCARIOT P.O. Box 85147 4173 GROUSE CT Richmond, VA 23276 S MECHANICSBURG PA 17050-9116 0 IIIIIII11111pill IIIIIIIIIIIIIII11III1111111III11IIIIIIIJIIIIII ?ud??ud??nnlJr??tu?dunJ?nJ?d?nf t?n?Juu?t?? Pl-curiteyour-tt .tnumber-yourd.wi- money order madepayable to Capita! One Bank andmoil in theencloredenvelope. 003 peoplepu online A better 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 BlockerTM Spam Controls Smart Dialer Phisher Security Internet Call Waiting r peoplepaw online u A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/go/jade 8 O O i M i O p N PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or 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 communicating information about yourself 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 month; $9.95 a month thereafter. Offer available to now dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1-877-778-1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining 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-up numbers may be changed at PeoplePC's discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. billing period covered by INS statement, we take the begin no balance .t each segment each day, add any new trersectiaa to aegnart, and subtract any payments or credits. {It thercede N appeam on the from of this statement next to -Balance Rate Applied To, we also subtract any unpaid finance charge included in the balance of each mgment.) This given us the daily balance of each segment. Than we add up all the daily balances for each segment for the billing period and dlvide by the metal number of days in the billing period This gives us the ayarp{?ee daily hot. a of each segment. 3. Amyl Perwtaa Rata- IAPRI. a. The tern 'Annual Percentage Rate' may appear as APR' on the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcand Prime) appeam on the front of this statement nand to the periodic rata(.), the P."dc rates end corresponding ANNUAL PERCENTAGE PATES may ery quenedy and may increase or decrease based on thevstated indices, as foul in The Wall Street Journal, plus the margin p,mviou sly disclosed to you. These ca will be eHeNve on the flit day of your billing pedod covered by your periodic Statemant ending In the minds January, April, July and October. c. If the code D (Prime), F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced MomNyl appears on the front of your statement net to the periodic rate(s), the pedodc rates and cone-o din ANNUAL PFACENTAOF RATES m- a found in The Wall street Joumal, pit wsly disclosed to you. These changes on the first day Of your billing period 4. A"Qswwd of Late, Ovwbn* and Retuned Payment Feu. your accent will be assessed rte more than two of the tees listed here that occur during any billing period. Under the terms of your customer agreement, we serve the right to waive or not to assess any fees without pew ntificefion to you without walving our right to assess th same or similar fees at a later time. 5.TRa -*q Yom, Aoco rot. If a membership fee appear on the from of this statement, you have 30 days from the date this Statement was mailed to you to avoid paving the fee or to have Such fee credited to you if you cancel your account. During this period, you may continue to use your account without having to pay the membership fee. To tend your accent, you must notify us by calling our Customer Relations Department and pay Your w Balance' in fill (excluding the memt"p tee) pdor to the end the tNny-day period. 8. If You Class Your Acowrt. You can request to dose your account by calling r Customer Rclatlons Deperrmmt. You mum destroy your credit caud{s) and account access clacks, cancel all preamhodzed billing, and cease using your accent. If you do not cane preauthorized billing aaargement9, w+e will consider receipt of a large your authorization to reopen your account. Additionally, your accent will not be dosed until You pay all amounts yon owe us including: any trenseanaa you have authorized, finance charges, past due fees, overiimit feu, returned payment fees, cash advance fees and any other -a assessed to your account. you ace responsible for these amounts whether they appear on your account at the time you request to close the accent or they are Incurred Subsequent to your request to dose the account. This may result in charges appearing m your account after you have your account if it has already been dosed. Fro{ example, if You authorized a Purchase from a tnardtent ad we receive the transaction from the merchant after your acmurrt has been .1mod, your accent IN be reopened, the amount of the charge will be added to your account, and you will be responsible for payment. If them I. a monhhershtp fce for your amount, the fee will commas, m be charged, to the extent Permitted by law, until the account balance has been paid In fill as deflnei above. 7. Using You Aoaoul.YWF card or account carnet be used In corrector, with any Internet gambling transactions. 8. Mail- About E6-ban. Check Caawarabn. When you provide a dock as payment, you authorize u either to - information from your deck to make a one-erne electroric find transfer from your bank account or to process the payment as a dark trasacem. When wet use tItornation from your deck to make an elect-lit full trorefer, finds maybe w(tfWtown from your bank accent as soon as the same day we receive your payment, and you will not receive your deck back from your financial hatitudon. BIWNG RIGHTS Ylona About (In Case Of your Or Qu About Y-1 Bill) If you oink your hill wrong, , s if you need more information on a transacts or bill, write to us on a separate Shaw o nom possible at t address for bear ho m on the front of f this Statement. We must hear from you no later than 80 days after sent you the first bill on whim the error of r problem appeared. ared. You can call our Customer Rel"ons In yeyo number, but doing m will not preserve your dghts. Iar loner, give tae the the dollar information: f your nona e and octant number,a toe rr amour of the suspected actor, a description ption the e error and an you if d mom Information, vfiy you eldeic there is error; ; or or If if you reed more a description of the hem you am enure about. You es not nave tot you pay aroaaht in question wine we we are investig bill h, but You to still obligated to pay the {hens of your bill that am net in gwsdon. While we Inveaklgeto year upeation, we caonot ,on you as ddin= or take any action to collect the amount you queati- f,t Special Rue For Credt Card Purchases If you [awe a problem with the qualhy of property or SeMces that you purchased with a credit card and you [awe tried In good faith to correct the problem with the merchant, you may have the right net to pay to retaining amount due on the p «y or Services. You have this protecton any when the purchase p1ce wa mom than 550.00 and the purchase was made in yourstame state or within 100 miles of your mailing address. (If we oven or operate the merchant, or if we mailed you the adwertisemem for the property or Services, all purchases are covered regardless of amen[ or oration of purchase.) Please remember io sign all mtrespo Bence. t Does not apply to consumer nos-credit cell acroiws S Does nor apply to business non-cradir card accosts n atpporu informatim privacy protection: see our y!`W w.c ken. n is a ally registered service mark of Capital .at Corporation. All rights reserved. a 1003 la4d A nnrwe Marge, ta. rlrsoe Period. Vou will have a minims gmce period of 25 days without finance charge on new purchases, new Mist- tneafes, new Pedal pucsaoa and now, other darow if you pay your tool 'Now Balance-, in arcordarc-e with the kry»rtam Notice for pay.-. bebw, and IN time for it to be credited by your text statement dosing date. There is no grace period on cash advances end apeclel trrsfem. In addition, them Is no grace period on any trSna-don If You do not pay the total 'New bela o.' It. Aoauig Finance chat". Tmrsactkrs which are not subiec t tt gof pthe erm arils or 2) sse from the d urge, 1) the from date tr ,.mdm is Processed to your Amount or 3) from the that cdedar day of the current bia'mp period. Addeorally, if you rid net pay the 'New Balance from the previaa bifirg period in fill, finsrce clhargee isms to acme to yar uhpetd balance uttN the unpaid balance is paid in full. This means that you may seN owe fierce dailies, even if you pay the Oral New Balance ihdramd m the front of your statement by the nc¢ Statement dosing date, but did not do ao for the previous month. Unpaid finance charges added m de segment of your Acceunc te. hYaukuurn Fkhrwe .For each filling period that iaeccotrs la act to a Maas clue l RNANCE CRA I: of 50.50 will b chi posed. If the total thence dvarge rn from the applieadon of your Period. Me(: is leas than 0.50, we will subtract that amount from the 90.50 mitbnun and the difference will be t d. Tght biped to not R tothe asm,m on pardaae any sail of your accentWe ..-.am the y or r all all fin finance, ce charges right toppa??sess for any given biskv tied 2. Average Orl1' BM- Unaludina Naw Aadweal. a. not, dherge is tabulated by multiplying the daily Gaferhce of each segmas M your amount (e.g., cash advarca, purcase, .pedal transfer, and Special purcase) by the corteapahdrg daily periodic race(s) that has been prevtaaly, dadeaed to )ou. At the and of each do ddrhg the billing period, wo apply the dairy periodic to for each Segment of your account to the, daily balance of each aegnmt. Thah at the ell of the biitrq period, wa add tp the results of these daily ralalatas to arrive at your periodic finance charge for each segment. We add up the des su from each segment to arrive, at the total ported. fits oo serge for your accwx. To get the daily balance for men Segment of your acceutt, we take the beginning balance for each Segment and add any new tmteaxlone and my bperiodic alance for that charge calculated on toe proviaa segment. We then subuma any Paymets or credits posted ss of that day that are allocated to that Segment. This gives - the separate daily balance ax each segmnt of Your.ocant. However, if you paid the New Balance shorn on your previous Statement In fill (or If your now. ... wes zero or a credit amour,), new trasections which post to yaw Wrclase a specid puniase a... am not added to the cagy balances. We ralalete the avoroge daily and dtidrg balance by rey all the daily bdenc?ea [ogetfer the sect by the nunbar of the days in the cure tt biikg cycle. To malctlme your total firers Uherge, nttad y your awmge daily balance by the dally riodc rate and by the ember of days in the billing poor to rouhMg on a Mily bas13, them may be e vadanhce between d1M ralalatbn and the amens of finance c arge actually assessed. b. If the code Z o N eppaeta on to front of INS smtemem mho to 'Baiarca Rate Aodiad To," we mnledv tie 4698M 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 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 clips, etc. when preparing your payment. First 3 months half-price Ole 4 7 W a month; $9.951mo. thereafter SIGN UP TODAY: 1-877-778-1207 48 021121,25 Mention Offer Code: ONYX Or visit www.peoplepc.com/go/onyx CapitalOne® PLATINUM VISA ACCOUNT 4862-3622-0275-2625 Account Summary Payments, Credits and Adjustments P1-P-t address clang, bd--;.,r blue w bf 4 ink Previous Balance $1,342.21 Payments, Credits and Adjustments $.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If Transactions $103.28 you have already made your payment, please accept our thanks. Finance Charges $14.60 Transactions New Balance $1,460.09 Minimum Amount Due $83.00 1 07 AUG DR WHARTON CHIROP14CTO MECHANICSBURG PA $40.00 Payment Due Date October 07, 2002 2 11 AUG RED LOBSTER 00W1958 MECHANICSBURG PA 34.28 3 07 SEP PAST DUE FEE 29.00 Total Credit Line $3,000 Total Available Credit $1,539.91 -Capital One proudly supports the National Youth Anti-Drug Media Campaign. Credit Line for Cash $1,500 PARENTS. THE ANTI-DRUG. Available Credit for Cash $870.36 Stay Involved - Ask Questions. To get the FREE booklet, "Keeping Your Kids Drug-Free," call 1-800-788-2800 or visit www.TheAn6DYug.com- At your service Capital One has joined with Progressive Auto Insurance so they can provide you a fast, free rate To Dill Customer Relations or to report a lost or stolen card: quote with no obligation! Call 1-877-397-5374! You could save $400` by comparing rates. Mention 1-800-903-3637 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 greater than $1000). Rates For free online aooount servia and speeA automer offm, log on ta: and actual savings will vary based on driving record, vehicle, address and other factors. --pi W-com Send pavmenu to: Send inquiries to: Attn: Re-ttana Procssing Capital One Services Capital One Saviors P.O. R. 85147 P.O. B. 85015 Richmond, VA 23276 Rie6mond, VA 23295-5015 Important Account Information Capital One is a proud sponsor of the 54th Annual Primetime Emmy Awards Telecast. Tune in Sunday, September 22nd on NBC from 8-11 p.m. ET (7-10 p.m. CT) to we the talent you've enjoyed over the past season unite to celebrate another year of groundbreaking work in television. Capital One wants you to be a part of the excitement! Check out Capital One's ad in the September 13th issue of People magazine, or visit People.com for more details. 2610M CapitalCW Finance Charges Plecueme reverie fide for important information Bdmnrrat Period. Conespmtdmg F11vAN? ` pp duo rate APR ? ?All PURCHASES $794.66 .02712% 9.9096 $6.68 CASH $625.54 .04082% 14.90% $7.92 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 0 4862362202752625 07 1460090050000083001 New Balance $1,460.09 Minimum Amount Due $83.00 Payment Doe Date October 07, 2002 Total enclosed $ AUG 08 - SEP 07, 2002 Page 1 of 2 Apt Y 12.10% City S_ ZIP Home Phone Alternate Phone #9025156580575514# MAIL ID NUMBER Capital One Bank PETER ISCARIOT P.O. Box 85147 ° 4173 GROUSE CT Richmond, VA 23276 MECHANICSBURG PA 17050-9116 Ltidullttltllttt6I{ttII IL tlltttII I1 tt{Itnlitnl {tttllltttllltatdt6lltttLlttttal6tt{It{IttLLddttttldl Pleae rwite 4862-3622-0275-2625 on your check w money order n adepayable to Canal (1ne Bank and mail in the envlofedenvelope. 009 peoplepc® online u A better 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 Blocker7M j Spam Controls Smart Dialerpp??y ? i f?OPEurrt 1 73 GROUSE CT MEC I Ui O4 # 116 r peoplepc® online \-/ A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAYI 1-877-778-1207 Mention Offer Code: ONYX Or visit www.peoplepc.com/go/onyx PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or 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 communicating information about yourself 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 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 offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll free at 1-877-778.1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining 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-up numbers may be changed at PeoplePCS discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. For FASTEST service, order online at www.mykwikstamp.com/cap 8 O j O tt5 M h 2 n O N tor. 0- Period. You will have n minimum grace period of 25 days without fir enc , charge on new purchases, now balance transfers, now special purchases and new other charges if you pay yea total "New Balerce', in arxerdornce vwth ds Important Notice for payments bolow, and in time for it to be credited by your next stateroom dosing date. Them is w grace period on cash advances and special transfere In addition, them )a no grace periotl on any t1onsiseden If you do rot pay the tool -New balance. b. Aoeuig Finance Charge. Transactions which are not subject to a grace period em assessed finonce Marge 1) from [he date of tine transaction or 2) from the date the transaction is processed to your Account or 3) from the first calendar day of the cadent NNing period. Additionally, if you did net pay the 'Now Balance' from tlo previous baring period in full, finoruce Meryes conntinse, to wense to your unpaid balance until the unpaid balance is paid in foil. This meam that you may still owe firiance charges , own if you pay the entire New Balance indicated on the from of your statement by rime next statement dosing date, but did not do so for the previous month. Unpaid flrerce charges =1 m the a mattsegment of your Arxont. tc. inn, . For each billing period that your a- Is RHANCE CH4RGE subject toofa90.50 w flrnrnceetdnsrbs ge,1mp a mOSaMdlffmun total . the total it- ch, nesJtkp from tine application of your periodic rate(s) ' lase iMn 90.50, we will subtract that amem from the 90.50 miimlm and the difference will be foaled to the purdase aapn of your aceant. td. Terrprry Redlrelitrn in Firwa Clurge. We reserve the right to not assess any or as finance charges for any given billing period. 2. Average Daily Bsl-" f irmirdrnp Never P rahaaul. a. Rnsme Marge I. calculated by multiplying the dairy balance of etch segment of your account (e.g., cash advance, purchase, special transfer, and special purchase) by the corresponding daily periodic rate(s) that has been previously disclosed to you. At the end of each day during the bill" period, wad apply the daily periodic rate for each segment of your secant to the dilly balance of each segment. Then at the tend of the "no period, we add up the results of these daily cakalstionts to arrive at your results charge for each sagmt W We acid up the lfrom each segment to arrive a the total periodic finance Merge for you account. To got the daily balance for each segment of your a-, we take rise begirnirg balance for each segment end add any new transactions and any periofc finorncC Marge calculated on da previous day's balernce for that sogrant. We ahem s,btmct any peymeNS or credta posted as of afar day that are allocated to dut segment. TNa gives u the separate doily bar.- for each segment of your accent. However, if you paid the Now Balance drown an your previous statement in aid if your new balance was rem or a credit amours), now transactions, which post to your purchase or special purchase aegnata are not added to the daily balances. We ralwlato the average daay balance by adding all the daily balances togodwv and dividing the sun by the number of the days in the otrtent Wiling cycle. To calex"to your total fl-- charge, multiply Your average daily island by the daily periodic rate cirri by tine number of days in the lilgrg period. Due m rouwing en a daily bass, amore may be a slight veriaruce bettveern tfia calaletlon and tip amount of finance Merge acnraily assessed. b. If the code 2 ar N appears an tla iron of this staleman next to -Balance Rae Alelled To," Z- multidv the 2610M penoeic rata to obtain the average daily balance for the hillinp period covered by this statement, we take the begirxung balance of each segment each day, add any new transactions to CaM 91:(Fnent, annd subtract any payments credits, (If the code N appears on the from of this statement octet 1. "Balance Rate Applied To,- von also subtract any unpaid finance charge included in the balance of each segment.) This gives us tie daily balance of each segment. Then, we add up all the daily belances for each segment for the billing period and divide by the total number of days in the billing pedod. This gives us the average daily balance of each segment. 3 A Thseal termen'Annual age Rabee JAPaRI gate' may ge y appear as 'APR' on the front of this statement. b. If the code P (Prom), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bookend Prime) appears on the from of tN. statement next to the pedadic rata(.), fie pervade rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the slated indices, as found in The Wall Street JouriW, plus the margin previously disclosed to you. These ciuarylea will be eNderive on the first day of your billing pe covered by your pedodic statement erring in the months January, April, JJy and October. c. If the code D (Prime), F (1a--entice. LIBOR) or G (3-mo. Monthl front of nor Oemmre' to the perodk aatels)t the perfadc ales and conespondrq ANNUAL PERCENTAGE RATES may vary montNy and may increase or decrease based on the stated indices, as found in The Wag Street Joume% plus the margin previously disclosed to you. These charges will be effective on the first day of your billing period each month. 4. Ass.aanrd of Lete, Overirwt and Ris rned payment Fees. Your accent will be assessed no more than two of the tees listed here that occur during any billing period. Under the terms of your customer agreement, we reserve the right to waive or not to assess any fees wirltatt goon notification to you without waiving our right to assess the same or similar fees at a later lime. 5.1Rruwig You Accost. If s membership fee appears an the from is this statement, cis you have 30 days from the date this statemment was mailed to you to avoid paying the fee or to have such tea credited to you if you you cancel your account. During period, you may continua to use your amount having to pay the membership fee. To caned your ur account, you most notify us by calling our Customer Relations Department and pay your Now fialame' in full (excluding the membership fee) prior to the end of the tNrty-day period. e. It You Close Your Awoua. You can request to close your account by calling our Cusmn., Relations Department. You mum dosuoy your credit card(s) and account access checks, cancer all preauahcdred billing, and cease using. your account. 11 you do not cancel pmautfarired billing I-rlgements, two will consider receipt of a Marge your authorraion to reopen your account. Additisrugh" Your secant will not be closed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, past due foes, ovedimit fees, returned payment fees, cash advance fees and any other face assessed to your account. You are responsible for these amounts whether they appear on your account at the time you request to close the account or they are incurred subsequent to your request to close the account This may result m charges appearng on your account after you have Your account it it has already been dosed. For example, if you sudarired a purchase hern a momiart and we receive the transaction from rho merchant after your account has been classed, your account will be mopered, the amount of the charge will be added to your account, and you will be responsible for payment. If [hem is a ie to b.. ipfoe for your accent, the elfbeeylaw 1=,comuntilmtie ns b an a the a been P e sections balance hoe beeen paid d 1. in kill as deflrued above. 7. tlaig Your Aeoount.Your card or account canted be used in connection with any Internet gambling trarrea.d.no. e. Nodoe Abort Elealsodo Choate Conversion. When you provide a check as payment, you auderize us either to use information from your check to make a ore-time electronic fud transfer from your bank account or to process the payments as a check trangsiction. When we use no iron yon' check to make an electronic trod trensfiar, finds mall ba writ m- from your barsc accent as nom ea tho same day we receive r payment, and you utie rot receive your check back iron your financial institution. BILLING RIGHTS SUMMARY (In Case Of Isms Or Ouestiens Abdul Your Bill) If you think your bill Is wrong, or H you need more information on a trans ctlon or bill, write to us on a separate sheet as soon as possible at the address for inquiries shown on the front of this statement. We must hear from you no later than 60 days after we sent you the find bill on which the error or problem appeared. You can call our Customer Relations number, but doing so wilt not preserve your right. In your letter, give us tine idlawirg inoflltetion: your name and account number, the dollar amour of the ripe= odor, a description of the error and an e)lanmion, if possible, of why you believe there is an error; or if you need more Information, a description of the Item you am unsure about. You do not have to pay any amount In question whoa we arc inveatigating It, but you are still obligated t0 pay the pans of you bill that are net in question. WNI. we inveatigeto you question, we cemat ,.Pon you as delinquent or take any action to collect the amount you question. i,t special Rule For Credit Card Purchases If you hove a problem with the quality of prapotty or wrvkes that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may have the right net to pay the remaking amount due on the property or wrAcea. You haws this protection only when the purchase price was more than $60.00 and the purchase was made in your home state or within 100 miles of your mailing address. (if we own or operate the merchem, or if we mailed you the a, rewind for the property or services, all puasw are covered regardless of amour or location of purchase.) Please remember to sign all correspondence. t foes not app/y to conswMcr non-credit card accounts 4 Does rot appty to business ndo-edit card .ceoonts One alpports information privacy Protection: we our service mark of Capital reserved. 0 2003 OILGLBAK 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 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 clips, etc. when preparing your payment. 4 PETER ISCARIOT, you may be minutes away from saving as much as on your auto insurance. 200828 $400* per year Call toll free 1-877-397-5374 PROGREl1/U,E? or visit capitalone.com/savenow AUTO INSURANCE to request your no-obligation quote. Please indicate key code P8o3 Key Features Page 2 of 2 PETER ISCARIOT, Compare rates and you may In association with Capital One* Progressive offers you save up to $400 each year. a free, instant auto insurance quote that could save you Get great service from hundreds of dollars on your auto insurance every year. Progressive and save money. Plus, you can save an additional 10% when your annual premium is paid in full. Service on the spot Claims representatives are available 24 hours17 days a week. Progressive has Immediate Response' Vehicles that come to you. This convenient service brings our claims representatives to you to get your claim started sooner and You can save up to an additional 10% settled faster. Our expert insurance counselors and claims when annual premium is paid in full. representatives provide you with personal service 24 hours Save even more money-and eliminate the hassle of monthly payments. a day, seven days a week. As the nation's 4th largest auto insurer, Progressive serves Progressive is rated A+ (Superior) more than 8 million drivers. We are rated A+ (Superior) by the by the A. M. Best Company. A.M. Best Company, a leading insurance industry analyst that This independent rating represents rates the financial strength and operating performance of the Fnoncial strength and operating performance of Progressive. insurance companies. This rating represents the current and independent opinion of a company's financial strength and ability to meet obligations to policyholders. Find out how much you could save - call 24 hours a day, 7 days a week for your free quote! 1-877-397-5374. PROGREIRME' AUTO INSURANCE 2610M 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 today at 1-877-397-5374! or visit capitalone.com/savenow Please indicate Key Code P8oi • Current auto policy for comparison • Vehicle Identification Number (VIN) 200828 • Driver's license number As a handy reminder, detach this coupon and keep it in a secure location for future reference. 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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 annualized comparison rates calculated by Progressive on calls received from 1/1/02 - 6/30/02. Rates and actual savings will vary based on driving record, vehicle, address and other factors. 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. ® 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 2610M The Deal You've Been Waiting For... 003 MOTOROLA WR V3 >FREE* Wireless Camera Phone aft- eanalywr lce afire wt > BONUS Free Bluetooth" Headset ($60 Value) > FREE Shipping & Handling AAA Lim- c i n g u l a r W I RE F LY fraisin 9 thebar..,dl` ® Th. wo-aes; sups store CapitalOne' PLATINUM VISA ACCOUNT SEP 08 OCT 07, 2002 4862-3622-0275-2625 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $1,460.09 1 08 SEP PAST DUE FEE CREDIT Payments, Credits and Adjustments $112.00 2 09 SEP CAPITAL ONE ONLINE ACH PAYMENT $29.00- Transactions $.00 83.00- Finance Charges $13.46 New Balance $1,361.55 Minimum Amount Due $40.00 Payment Due Date November 07, 2002 Total Credit Line $3,000 Total Available Credit $1,638.45 Credit Line for Cash $1,500 Available Credit for Cash $911.05 At your service To all Customer Relations or to report a lost or stolen card: 1-800-903-3637 For free online account service snd spe ld customer off-, log on to: www.mpitalonemm Send pa7menn to: Send inquiries to. .Attn: Remittance Proccsing Capita One Sims Capital One Setvicrs P.O. Box 85147 P.O. B. 85015 Richmond, VA 21276 Richmond, VA 232&5-5015 Important Account Information Please provide your e-mail address on the remittance slip attached below and return with your payment. We are collecting this information to update our records. We may use this e-mail address to provide you with account information or offers you might find beneficial. Finance Charges Pleareseerevarresidefor important information raF P-4 q*ied Co nspmdmg FIIVAN(,'$ gapGrto rate APR (.'I-IAIjGE PURCHASES $770.53 .02712% 9,90% CASH $586.83 .04082% 14.90% $6.27 $7.19 ANNUAL PERCENTAGE RATE applied this period 12.06% 2573M PLEASE RETURN PORTION BELOW WITH PAYMENT. CapitalOe` 0000000 0 4862362202752625 07 1361550083000040007 New Balance $1361.55 Plemep;ntm 1,ng adlrez ardor e-ma;tehaps be! m;ngb! orbtaek ink Minimum Amount Due W.00 Pavmem Due Date November 07, 2002 S- Apc i Cry S Total enclosed $ "u Zip Home Phone Alremaee Phone Email Address #9028156580575511# MAIL ID NUMBER Capital One Bank -- PETER ISCARIOT P.O. Box 85147 n t` 4173 GROUSE CT Richmond, VA 23276 0 SEEM MECHANICSBURG PA 17050-9116 1ut III ut Pleare write 4862.9622-0275-2625 on.ymn rbeck or money o ,&r made pe"bleto Capital One Bank and tai/ in the a Io ed en-A%oe. FREE*RAZR V3 afar, rebel. and 2-year service allawmat Motorola RAZR V3 phone includes: >Digital Zoom Camera >Bluetooth Capability >Built-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!) t? qtr i 8 0 O M O O N Order Today! Call 1-800-973-0691 Or Visit www.wirefly.com/capitalone X cingular WIREFLY raising the bar-lid' The Wireless sups store Plane tree after mail-in rebate. This otter is fulfilled by InPlaNc inc., an sufhori2ed dealer for Cingular Wireless. Offer subject m credit approval a dept, etsrp a new firs of service on a two Y?r contract with Cilgular Wireless. Not al U916a ar Mrsh ss. you am not in a Cingu wireless area ygu will receive -ow great oRar fmn yy1pl? e-1 . Other reshtclions apply, see till offer for delails. Offer Expires November 3g, 2005. OtdF atAyYaq!6 a Icon, Rollover and FandlyTalk are registered tademarks of Ctirgular Wireless, LLC. via ' ?1p?? i ry?pq 'fir Wireless, LLC. Cnyiar Wireless and the Cingllar Nth 'bYda•hThs dPrfi2fR's i ihQulBr Wireless LLC. ® 2005 Cingular'Nreless, LLC. At rights reserved. InPhonica, anglike and Wtretya are responsible for this offer, aril are not at1A?F6dbAt12Q?iiaS?fhiSCapitel One does not provide, endorse or guarantee, and is rat affiliated with, any product or service shown here. Any trademarks merttoned herein 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 - for example, that you are a Capital One customer. ® 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. p?eriodic rate. To obtain the average daily balance for the blllirg period Wwrud by this statement, we take the he9lnang balance of each segment each day, add any crew transactions to each segment, and subtract any payments or credits. (If the code N apposes on the from of this statement next to 'Balance Rate Applied To; we also etbttact any unpaid finance c7arga irrlurded in the balance of each segment) This gives us the daily balance of each sagment. Then we add up all the dally balances for each segment for the billing period and divide by the total numbs of days In the billing period. This gives us the average daily balance of each segment. 3. Areal Prowilags Rates IAPRI. a. The term 'Annual Perc entage Rate' may appear as 'APR' on the from of [Ns nnemmt b. If the code P (Prime), L (3-rim. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appears m the front of this statement, nex, to the periodic rate(s). the periodic rates and corresponding ANNUAL PERCENTAGE RATES on I'm ata? vdoees m or afoxnd n The Wa1/ decrease based Jearr* plus the margin previously dfsdased to you. These c arhgea WII be effective on the float day of your being pedad covered by your periodic naterrem erring in the months January, April, July nd October. c. If the code D (Prime), F (t-mo. LIBOR) or G (3-mo. LIBOR Repriced MonWy) appeam on the from of Your statement next to the periods rateb), the perledand corresponding ANNUAL PERCENTAGE RATES .`'-.1y_ vary monthly and may ircreaw or decrease based an to stated Irdcee, as tend in The Wag Sheet Joanne/, Plus the margin p"o sly dsclnsed to you. These changes will be effective m to flint day of your balling period each month. 4. Awmrwnt of Leh, 0,mina d and R*w..d Pa aramt Fast. Your account will be assessed no more than two of the fees Ilned here that occur during any blllirhg period. Under the terms of your customer agreement, we reserve the tight to walve or not to assess any fees without prior notification to you without walying our right to resew the same or similar fees at a later time. 5.tRrtewing Your Account. If a membership fee appears on the front of this statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your account. During this period, you may continue to use your account without hating to pay the membership fee. To cancel your account, you must notify us by calling our Customer Relations Department and pay your New Balance' in Lull (excluding 'ay, he mmz N. fee) prior to the end of the thing-dperiod. 6. It you Cbse Yw Aaeum, you can request to ose your account by ceiling ourtCustomer Relations O"I'm mt. you must desroy your credit ,,dl l and ant access chocks, cancel all p...Iho..d billing, and coase ..IN your account. It you do net came] presuthodzed billing arrangements, we will consider moceipt of a charge your authorization to reopen account. Additionally, Your account will net be dosed until yes pay all amounts you owe us inducing: anypea tunwctiors You have autherized, ins nce charges, due fees, ovetimit fees, retuned payment fees, cash advance fee. and any other fees eweawd to your scant. You are maporeible for these amount. whether they appear on your account at the time you request to close the account or they are Incurred subseoKent to your -1, in to dose the account. TNa may reach in charges appearing on your account after you haw your account if It has already been dosed. For example, if you aultho sized a Purdase from a merchant and we receive to transaction from the menitarx after your orou+t has been dosed, your accent will be reopened, the amount of the charge We be added to your acoart, and you wit be responsible for payment. If there is a membership fee for your account, the fce win commstse to be chat , to the extent pemdtted by law, until the acconx once has ben paid M "Al as deflrad above. 7. Uekg Yw Aeoaat.Your card or octant cannot be used in connection with any intemet gambling transactions. S. Nutioa Abet Eleebcrde Cheek Com-sbn. When you provide a deck as payment, you authorize m either to tae infe memos from your check to make a one-time e1=; kind me- frail you bank account or to procese the payment ea a deck transaction. When we use in(ommation from your check to make an electroom tad transfer, finds may be wittdmwn from your bads acca nt FF 9oom sat the same day we receive arf payment, and you will rice receive your checkyback from your financial imadoution. BILLING RIGHTS SUMMARY On Caw Of Errors Or (jusatena About Your Bill) If you tNnk your bill is wrong, or it you reed more UA ministim on a Immumdon or bil$, write to us on a separate sheer as soon as possible at the addrew for rrptiriea shown on the from of this statement. We must hear from you no later than 00 dayy.a after we sent you the first big on which the error or problem appeared. You can call our Customer Relations number, but doing so will net preserve Yaa rights. M your ferret, give is the idlowing information: your name aril account number, the dollar amont of the respected error, a description of the error and an e?ptenstien, if posahble, of why you believe there is an error; or If you need more Information, a description of the him you am e about. In snout It, question whte we era v?igg mat linn egve t any re still obligated to pay the pens of you be that are not in question. While we investigate year questim, we caner report you as deanqurent or take any action to collect the amount you question. 1,t Special Rte For Credit Cao(I Purchases If you haw a problem with the quality of properly or wMces [Fat you purcaeed with a credit card and you have tried in good faith to coven the problem with the merchant, you may have to right not io pay the remaining anoint due en the progeny or serAces. You have this protection ally the purchase riceyowas more than $50.00 end the purchase was made to ur home state or within 100 miles of you mailing eddrew. (If we own or operate the merchant, or if we mailed vat the edvenisement for the properly a services, all purcases re covered regardiew of amount or leeation of purchase.) Ese remember m sign all mnespmdence. t Do- rot apply to consumes non-credit -d eccourus t Does not apply to business roe-credit card accounts Capital One appona information privacy protection: see our website at ww'vv.ccaappmloxe.can. Capital One is a kademlly rogstared service mark of Capital One Rrandal Corporation. All right. reserved c 2003 Capital One OILGLBAK to. (bare Prhnd. You will haw a minimum grace period of 25 days without frta ce, "To an narr purchases, new balance transfers, now medal ptm neses and now other charge if you pay your total 'New Balance', in accordance with the important Notice far payment below, and in time for it to he endued by your meet slammert dosing date. There is me grace period on an ad"w"' ant species t__. In mkiltbn, them I. he T peritd on any traacdm if you do not pay the teal 'New balance." b. Aeaulrg Fin- Charge. Tmraamiore which are net su6lect ro a grave peoMd ate a`T-2-)d flhance charge 1) from the date of fM transaction A 21 frail the date the transaction is processed to your Acceunt or 31 from the first calendar day of the arnrat biXih p W Addtionsay, if you did net paY the 'New Balance from the pmvfas NNng period in full, fironce charges continue to accrue to your [road balance until the upatc balance is paid in full. This means that you mayy still owe fiance dmarge, eves if you Pay the mare hIBW BeMrce kxficate0 on the atom of yw statematt by the rea statement dosing data, but did not do so for the preNas month. Unpaid flnahce platers m added to the aprtfic?ble segment of yw Aanud. t c. Mi irnan Finance fX . rot each hiBbg period /hat yar secant la sblecu to is flnsnce carpe, a mktnun tool RNANCE CHARGE of $0.50 will be imposed. If the total Potence charge reWt4q [tom the epplicatlm of yarc pariadc rate(s) is lea then 0.50, urns I .rbtraet that moos from the $0.50 minimum and the difference will be billed to the, purchase . t went of your account. d. Tamper, Reduction In Fwae Charge. We reserve the do m not saseae arty or all finance charges for any given billing period. 2. Average Daily Balaaa 1 Now Pt?duaeal. a. Rnance charge is calculated by multiplying the dairy balance of each segment of your account (e.g., cash advance, purchase, spacial transfer, and special purchase) by re the c de- adosal g daily periodic rate(s) that has been CY you. At the end of each day diurhng bilgng period, wa, apply the daily periodic rate foreach segnem oft ywr aoeant to the daily balance of each g sement. Then at tle end of the billing period, we add up the results of them daily calculations to arrive n your r milts from each charge for each segment. We add up the segnm to arrive at this taal periods finance large for your account. To get the daily balance for each segment of your accent, we, take the beginning balance fa eooYh seen" and add my new trenwcdas ad any periodic finance charge ralalatod an the previous day's belan a for then wgrw:n[. We then attract any payments a credits pasted ns of that day thin are allocated to that segment. The gives u e the separate daily balance for eoch .ognon[ of your accent Nowava, if you ad thc Nuw Bolerce sloven on Yw Pmvias sutanat in it your new balance was zees or . credit amount), now, tmnsections which post to Tpinker or spode) puadase segnerro am not added m tie daily bolarhcoa. We calculate the average daily balance by adding all to daily bolance together er4 di virinp tho sun by the member of the days in the current billing cycle. To calculate your total finance charge, muldislY Yw avenge deny balance bbiVlthe daily periodic rate and by the rsnffier of drys in tlho il period. Due to randirg on a deny beats, there may he fig slight variance between limn coloslotfan and the amaat of mhamco three actually awassed. b. If the code 2 or N eppeau on the front of this statement next to 'Balance Rare Reeled To.' we mukki the 2b 73M 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 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 clips, etc. when preparing your payment. PETER ISCARIOT, let your home open the door to cash. ig ` f ATTENTION ALL HOMEOWNERS: Take control of your finances by refinancing your home! wonder where you'll get the money for next month's bills? At Full Spectrum' Lending, we specialize in helping home- wners with less-than-perfect credit. Our refinancing solution could help reduce your mortgage payment, add cash to your wallet-or both!' So, whether you have an adjustable- or fixed-rate home loan, we may be able to help you: A Get cash to consolidate debts! Reduce your monthly mortgage payment! 't• Put extra cash in your pocket! Call today and take advantage of current low interest rates! At Full Spectrum Lending, we believe your future is more important than your past. QDFdSPftyfLeWnq A MFN{ELI OF THE COUNTRYWIDE FAMILY For more information, with no obligation, calla -800-551-0898 yments visit and the our total Web site at ww.capitalonecom start. or . 'Refinancing or taking out a home equity line of credit may increase the total number of mouthy paym amount paid when n compering to your current situslion, on 562600-01 Capital oW PLATINUM VISA ACCOUNT 4862-3622-0275-2625 OCT 08 - NOV 07, 2002 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $1,361.55 1 02 NOV CAPITAL ONE ONLINE ACH PAYMENT Payments, Credits and Adjustments $100,00 $100.00- Transactions $.00 Finance Charges $13.82 New Balance $1,275.37 Minimum Amount Due $38.00 Payment Due Date December 07, 2002 Total Credit Line $3,000 Total Available Credit $1,724.63 Credit Line for Cash $1,500 Available Credit for Cash $949.31 At your service To call Customer Relations or to xpon a lost or stolen card: 1-800-903-3637 For free online account service and special customer offer, log oa ro: www.capitalon-no Send payments to: Send inquiries to: Attn: Remittance Pmcrssing Capital One Service Capital One Service P.O. B. S5147 P.O. B. 85015 Rid -ird, VA 23276 Riehmond, VA 23285-5015 Important Account information Who should be the college football National Mascot of the Year? You help decide! Visit www.capitalonebowl.com today to cast your vote for one of the 12 finalists. Then be sere to tune in to ABC to watch the Capital One Bowl on January 1, 2003, to see who won! F'manee Charges Pleam see reverse sidefor important information Bdmrrcra°e P-es, -r", dvtg I,II?IA]?iC'L•` 1p0&dfo ref (IjAIt( E PURCHASES $765.12 ,02712% 9.90% $6.43 CASH $583.72 .04082% 14.90% $7.39 ANNUAL PERCENTAGE RATE applied this period 12.06% PLEASE RETURN PORTION BELOW WITH PAYMENT. CapitalOm' 0000000 0 4862362202752625 07 1275370100000038008 New Balance $1275.37 Minimum Amount Due $3800 Payment Due Date December 07, 2002 Total enclosed $ Plrarep-t mail;ngaddrrrs and wr-nwilrMngrr tie/ -gbive-K-k-k- st,_ Apt 4 City Sam ZIP I.- - Plmmam Ph- #9031256580575514# MAIL ID NUMBER Capital One Bank PETER ISCARIOT P.O. Box 85147 4173 GROUSE CT Richmond, VA 23276 N a MECHANICSBURG PA 17050-9116 Pleare eunte 4862-3622-0275-2625 onyour check or money order madepuyable to Capital One Bank andenaif in the erulaede-1l #e r Catch this Season's College BoWI Action! Capital One® is proud to sponsor Bowl Week on ESPN, ESPN2 and ABC, December s1- January if It's football action you won't want to miss! • • • c * New Orleans Bowl * GMAC Bowl * Tangerine Bowl * Sega Sports Las Vegas Bowl * ConAgra Hawaii Bowl * Motor City Bowl * Insight Bowl * Houston Bowl * Mainstay Independence Bowl * Pacific Life Holiday Bowl CapitalV/ /e- PLATINUM VISA ACCOUNT 4861-3622-0275-2625 NOV 08 - DEC 07, 2002 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $1,275.37 1 04 DEC CAPITAL ONE ONLINE ACH PAYMENT Payments, Credits and Adjustments $100.00 $100.00- Transactions $.00 Finance Charges $15.54 New Balance $1,190.91 Minimum Amount Due $35.00 Payment Due Date January 07, 2003 Total Credit Line $3,000 Total Available Credit $1,809,09 Credit Line for Cash $1,500 Available Credit for Cash $986.02 At your service To nB Customer Relations or to report a lost or stolen w&- 1-8M-903-3637 For free online sooount s Ioe sod special a tourer offers, log on to. www.capitalonemm Send payments to: Send inquiries to: Attn: Reraittmo« Processing Capital One Services Capital One Services P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information Its Capital One Bowl Week time again! Tune in to ESPN, ESPN2, and ABC starting December 17 for the best in post-season college football action, to see your favorite teams fight for bowl championships, and for college football's ultimate prize: the BCS National Championship. And on New Year's Day, be sure to tune in to ABC to watch the Capital One Bowl live from Orlando, Florida f c v Finance Charges P4-eru reverre ride-- important information Bdauee l Jt Period'. Cm .fi nding ?('$ ` ` PURCHASES CASH ? n $721.43 rat APR (6 r $E .04082% 14.90% $548.16 .04082% 14.90% $6.71 ANNUAL PERCENTAGE RATE applied this period ? PLEASE RETURN PORTION BELOW WITH PAYMENT. Qwffalow- 0000000 0 4862362202752625 07 1190910100000035006 New Balance $1 190.91 Minimum Amount Due $3500 Payment Due Date January 07, 2003 Total enclosed $ Account Number: 4862-3622-0275-2625 Ple-prmfm 1,ngadd .v a? -udebmgrsbel uingbl.e orb-k,,r.E 14.90% I- Apt i City S?ce ZIP Home Phone Alawnaoe Ph.., s #9034256580575511# MAIL ID NUMBER Capital One Bank PETER ISCARIOT P.O. Box 85147 4173 GROUSE CT Richmond, VA 23276 .,?._. MECHANICSBURG PA 17050-9116 o Pleare.vita yarn amount nnmber on yoar rlxck m money order rxade oayabll to Capital One Bank and mail in the ene1wed envelope. EMM MW i2 Dec. $7 (ESPN2) *Alamo Bowl Dec. 28 Dec. $8 (ESPN2) * Continental Tire Bowl Dec, 28 Dec. 23 * Seattle Bowl Dec. 30 * Gaylord Hotels Dec. 25 Music City Bowl Dec. 30 Dec. 25 * Cruciai.com Dec. 26 Humanitarian Bowl Dec. 3$ Dec. 26 (ESPN2) * AXA Liberty Bowl Dec. 31 Dec. 27 * Chick-Fil-A Peach Bowl Dec. 3$ * San Francisco Bowl Dec. 31 Dec. 27 * Outback Bowl Jan. $ * Capital One Bowl Jan, i Dec, 27 r P'peoplepc- online A better way to Internet. -?-? Surf up to 5x fashw m c7 FREE Accelerator for the first 12 monfhst-a $60 vah»I • 1-888-587-9669 •? • • 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: 19 Virus Protection powered by Symantecr" ® Pop-Up BlockerTIA Spam controls 4® Smarter Smart Dialer Technology ,Mp More Email Addresses ® Internet Call Waiting Capital Qw• Account S Previous Balance $1,190.91 Payments, Credits and Adjustments $.00 Transactions $313.10 Finance Charges $15.89 New Balance $1,519.90 Minimum Amount Due $80.00 Payment Due Date February 07, 2003 Total Credit Line $3,000 Total Available Credit $1,480.10 Credit Line for Cash $1,500 Available Credit for Cash $979.48 At your service To call Customer Relations or to report a lost or stolen card 1-800-903-3637 For free online account service and special customer offers, Iog on to: w .capitalonamm Send payments to: Send inquiries to: Attn: Remittance Proceuing Capital One Servim Capital One Services P.O. Box 85147 P.O. Box 8505 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information For service in Spanish, please call (800) 929-8137. Para servicio en Espanol, por favor marque 800-929-8137. n c? n M PLATINUM VISA ACCOUNT DEC 08, 2002 - JAN 07, 2003 4862-3622-0275-2625 Page 1 of 2 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. Transactions 1 17 DEC GIANT FOOD STORES #110 CAMP HILL PA $25.89 2 03 JAN STAPLES #643 MECHANICSBURG PA 186.51 3 04 JAN APPLE COMPUTER 800-676-2775 TX 29.99 4 04 JAN USPS 4134870011 CAMP HILL PA 30.95 5 04 JAN SU.MMERDALE DINER ENOLA PA 10.76 6 07 JAN PAST DUE FEE 29.00 Finance Charges Pleare;ee revere ride for important information Bd-erate P-d. Corr<rpoedxg R W jylydto A >d APR 1;t1,?IjliP. PURCHASES $738.90 .04082% 14.%% $9.35 CASH $517.13 .0408296 14.90% $6.54 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. CaP ?Ow 0000000 0 4862362202752625 07 1519900100000080005 New Balance $1,519.90 Minimum Amount Due $80.00 Payment Due Date February 07, 2003 Total enclosed $ Account Number: 4862-3622-0275-2625 Pl-j r -f mailing address and/or rmaii rbmger below aringbl-orbla k ink Street Apt I City Smu ZIP Home Phone Alwn. Phone #9000856580575518# MAIL ID NUMBER Capital One Bank PETER ISCARIOT P.O. Box 85147 4173 GROUSE CT to rasa t n t Richmond, VA 23276 MECHANICSBURG PA 17050-9116 ? m ti 11 ° ?nt???nt???un?i?t??mlt?uut?lnt?lt??u?i?ult?un?tll Please ?iteyosa account number onyour check q money order madepayable to Capital One Bank and mail in the encloredenvelo ,?e. r PETER peoplepcra online \--,/ A better way to Internet. UNLIMITED INTERNET ACCESS 1-888-587-9669 • e Mention Offer Code: DIAMOND Or visit www.peoplepc.com/go/diamond ? ill s icth ?r, v ih Cap tai One. Captal One does not provide, endorse a guarantee, an is not a lha it with, any adult or 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 communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online; First 3 months are billed at $4.97 per month; $9.95 per month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at arty time. Phone technical suppol available fa $1.95 per minute. }Accelemta is free for 12 months. Offer good for limited time. After the first 12 months, the Accelerated service will automatically revert to the standard PeoplePC Online service. Offer subject to change at anytime. With PwplePC Online Accelerated, certain Web page taxi and graphics will load taster when compared to standard dial-up Internet service. Actual results may vary. PwplePC Online Accelerated is only compatible with PeoplePC Online Internatservice laid specified fhedowsN browsets. Patti Online Accelerated is not compatible with WndowstA 95 with IF 5.5 SP2. Service not available in all areas. Access fees, taxes, and other is% and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining 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-up numbers may be changed at PeoplePCs discretion. Conlinuous use subject to bmsout procedures. All use is subject to PeoplePC OnlineS Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. Ci 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are trademarks of Peo*PC in the US, and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved, 8 O I O O N peiodic rate. To obtain the average daily balance for the tilling Period covered by this statement, w+e take the bcgirrsng balance of each segment each day, add any navy transactions to each moment, and subtiam any payments or credits. (If the tale N appears on the from of this statement next to "Balance R.I. Applied To; we also subtract any Unpaid finance charge included in the balance of each segment.) This gives us the daily balance of each segment. Than we e add up all the dally balances lot each aegnenl for the billing peeled and divide by the total number of days in the billing period. This gives us the average dally balance of each segment. 3. Anon Prombsi Ratas fAPRI. a. The term "Annual Percentage Rate' may appear as "APR" on the front of an. matemem. b. It the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), OF S (Bankcatd Prime) appears on the from of this atateman next to the periodic mtels), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may any "Iffy end may increase or decreoae based m tha stated redoes, u food Un The Weft Street !=. puthe merge PmAlF sly daclosed m Ypu. ngey will be effective On the flout day of your billing pads) covered by you periodic Statement ending in the monthe January, April, July and October. c. It the code D (Prime), F 0-rno. LIBOR) or G (3-ma. LIBOR Repriced Monthly) appeenod On the from of yon statement next to the pedodk tthe periodic rates and carrea y !T ANNUAL PEACENIlAGE RATES may vary monW y and may increase a decreeas based m the stated indices, as found in The W®U st vet Jaari pus the margn pr -sly d-l-d! to you. These changes will be effective on the first day of your biding period each month. ,t. AS ...M.[ If Leta, Overfkrtl and Ri hnnd Paynnars Fax. Your account will be assessed no more than tyro of the tees listed here that occur during any billing period. Under the norms of your customer egreommt, we reserve the light to waive or rct to assess any fees without prior rctificatim to ?ou without waiting our right to assess the same or similar a a1 s later time. 6.tRenwvimg Vour Aooouu. If a membership fee appears on the front of this Statement, you have 30 days from the date INS statement was mailed to vou to avoid paying the fee or to have suds fee credited to you if you caned your account. During IN. period, you may continue to use, your account Without having to pay the membership fee. To cancel your account, you must notify us by calling our Customer Relation s Department end pay your 'New Oalerlce' in lull (excluudrq the membership fee) prior ro the and of the thirty-Bey period. 0. If Ym Class Vmr Aooant. Vou can request to close your account by calling our Customer Relatiaa Department. your mum destroy your cterit card(s) and account access checks, cancel all preautlcrized billing, and cease using your accent. If you do not cancel preauhonzed billing arrangements, yve will cwisida, receipt of a Marge your authorization to reopenyour accent. Additionally, your account will not be dosed until you pay all amounts you owe us, inoiudtg: any tmreadiri s you have auborized, finance charges, past due leas, overiimit fees, returned payment fees, cash advance fees and any other fees assessed to your accent. yen ere responsible for these amounts whether they epi on your account at the tim:=" to close the account or they ere Incurred to your request to close the octant. This may result in charges appenrtng on your account after you have your account if it has already been dosed. For example, if you authorized a purchase from a merchant and we recaive the tmreaction from the maritmt after your accent has been closed, your accent will be reoponed, the areartt of the charge will be added to your account, and you ME be responsible for payment. If Nero is a membership fee for your account, the fee will con 11 to be charged, to the event pemritted by law, -it the scant balance has beat Paid in (ull as delked above. 7. Uaiq Your A.-.rt.Y-, card or accent ..-I be used In caacctilm with any Internet gambling vaeectbns. e. Nl About E6*bw* CMok Conversion. When you provide a cheek as payment, you authorize un either to use information ham your heck to make a one-time electronic fund transfer from you bank account or to Process, the paymaa as a hack transection. What vve um, informadon from your heck to make an electronic kid trenaten, (tads may be widdrown free yon bank account IS soon as the same Bey " receive your payment, and =t wig rot receive your heck back from your fnandal utim. BILLING RIGHTS SUMMARY (In Case Of Errors Or Questions About Your BNB If you clink year bill is wrong, or if you used more In annallon on a trarreactim or bill, write to us, en a separate sheet as soon as possi be at the address for incruides drown an the from of this Statement. We must bear from you na later than BO days after we seen you the first bill on which the error or prabiem appeared. You cart call our Customer Relations number, but doing SO will not preserve your 6". In your letter, give US the fdloving information: your name and account number, the dollar mount of the "peeled error, a description of the error and an euplanatien, if Poathis of why you believe there is an error; or if you need more InfortnatiOn, a description of the from You are unsure about. YOU do net have to pay any amount in question v"e we are Invest gating it, hurt you arc still obligated to pay the pans of your bill that ere rot in question. V t we investiTei, your question, we camp report you as delinquent or t ke any action is collect the amount you question. s,t Special Rule For Credit Card Purchases If you haw: a problem with the quality of papally a aeMees that you purdesed with a credt card and you have tried In goad faith a coned the problem with the merchant, You may have Ufa right rot to pay the temaiNng arroure due an the properly or aeMces. Vou hew; this protection Only when the purchase price was more than 350.00 and the purcase was made in your =,= e ot within 100 miles of your m5thrg address. 111 r operate the meroiant, or if we mailed you the advertisement or ifs property ort or Iacati services,Onallof p purdurchaste=.e.) am covered regordeae of erran Please remember to sign all correspondence. t Lees not apply to coasamar non-crodit card accounts S Does rot apply to arasiness roc-crafir cad accounts One rappo is tntormation pdvacy protection: we our at www.ceptabna.cam. One is a federally registered service mark of Capital .War Corporation. I do. reserved. • 01L0.3 One 0GL8AK Ta. 0- Priori. YOU will have a neirimUm grace period of 25 day. wlticut finance tltarg , are new purchases, navy balance transfers, new Special purch-se and now other charges if you pay your total 'New Balance', in accordance with the Important Notice for payments below, and he time fa it to be credited by your rext stmemont dosing date. There is no grace period m cash advances end apuda, traraors. in addrion, them is na grace period m MY tmraration B you de, net pay tho tote) "New balance." b. Aaanuig Fit.-. Chg.. Tra eactlens whth are col abject to a grace period are aawsaed finance charge 1) ban the date of the tmnsaetlm or 2) from the date the transectim is processed to your Accent or 3) from the fits[ tzladar day of the ourront Mil ay parind Addniaally, If you old rot p.Y the "Now Balance' from the Prevfaus billing period in hit, finance charges cantiete te accrue to your unpaid balance urchin the unpaid batswe is paid in full. This meara that you meyy Will owe finance Merges, even if you pay the entire New Balance indicated m the front of your statement by the rasa mattmertt closing dew, but lid nod do So for the previous; morph. Unpaid flnmtce charges am added re the segment of your Account. t c. Mktitsan Fkwwa a. For each bflarg period that ac ,sure la subject m a flnance der t FINANCE CHARGE of $0.60 will be Imposed. If the Usual finance char reaidrg from the application of your periodic enters) is leas elan 50.50, we will subtract that Semi from the 50.50 mi fewnt and the dfferem a WWI be biled to the purdtase se?rtt of your aocont, t d. Tarnprary Rdret'vu in Ferrwa Chugs. We reserve the right a not assent any or all finance, charges for my given bill 2. Ayala period. Mraa if skdaho Navy Prdtai Daily a. smelts charge is calculated by multiplying the daily balance of each -gnem of your amen[ (e.g., ceah advance, purchase, special transfer, end speelal purdhosel by the corteapadirlg daily periodic rate(s) that has been previataly dadoaed ko you. At der end of each day during ,he billing paned, wa apply the daffy periodic rate far each segment of you accent to the dNly balance of each aognax. Then a lie and of rho bi ,b period, we add up the macho of thew doily cPkxiations to arrive at your periods finance charge for each segment. We add W the nexus flan each segment to arrive at the total Periodic firs nce charge for Your accent. To get the deity bell- for each segnnxtt of your account, we take ate beginning balance for each segnent and add army new transactions end any -L1 finance Merge -11W1 on the avien days _Fa for that aegnent, W. n ,= any pay- o arl dts Posted a9 f beat day that are appeared to that segment. This gives - the separate dally be)ancs for each Segment of yar account. However, if you paid the No. Rat- shovm m Your previous Statement In fudl or if your new btalence aaar zero or a crack amour), new frenmctio n which post to your purclaae or spacial p?rrdme 8 taus ere rot added to the daily balances. We der sumthe I- bar balances togeNta and dvidutg bV Me 9nurnw, ofy if* days ?m the amber biaitg cycle. To calculate your total rgB, mJriPly Your avemge dely halertce bV tho daily porioec rate and by the amber of days in tfe dli period. Due to rasditg m a dally basis, them may loo sight valance ay tes ssceldiatlOn and the amen[ of flnnn charge adulate aessed. b. If the e code la or N appears App ie the from an this auemmt rem to "Balance Rate te Applied To," we mulNdv the 37537S 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 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 clips, etc. when preparing your payment. i CAPITAL PURCHASE CHECK PETER ISCARIOT 4173 GROUSE CT 10117 MECHANICSBURG PA 17050-9116 68-677/510 200877 Date Expires 02128103 Pay To The Order Of PETER ISCARIO $. 1,300.00 One Thousand Three Hundred and 00/1 Dollars :O:tT)-- CaPHalOne* Richmond, VA Memo _ Cardholder Signature 11510;4711' 1:0Si0067781:86S220275262S1i@ Page 2 of 2 Enjoy this special Capital Purchase Check 0 offer for Preferred Cardholders. RE: Your account number ending in 2625 Use purchase checks like personal checks! PETER ISCARIOT, Because you are a Preferred Cardholder at Capital One;' wed like to show you our appreciation. So, we're giving you two no-transaction-fee Capital Purchase Checks* to use however you'd like! Access your account quickly Enjoy easy access to your account with these checks, especially where credit cards are and conveniently! not accepted. Cover unexpected expenses, make home improvements, or even donate to your favorite charity. With no transaction f d h ' ee an t e 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 into your bank account Hurry! Your purchase checks 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 expire 02/28/03. 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 are our way of saying thank you for Thank you for choosing being a Capital One Preferred Cardholder! Capital" Sincerely, Preferred Cardholder / Customer Relations: Robert M. Alexandc (800) 903-3637 Senior Vice President www.capitalone.com P.S. Don't delay! These Capital Purchase Checks expire 02128103. Take advantage of both of them today! *Please see the reverse side for the terms and conditions of using these checks. 200877 PETER ISCARIOT CAPITAL PURCHASE CHECK 4173 GROUSE CT 10148 MECHANICSBURG PA 17050-9116 68-677/510 200877 Date Expires o2/28103 Pov To The Did,, of 11 I- CaPltal(DW Richmond, VA Memo Cardholder Signature 11.1014811' 1:051006778l:86S22027S262Si1' M M o O m z D D (n m M M x z N O m y °m m omm O N m x m m N O M 1 D D D ° O D Z0 C) y T O O < D r N zO U) z m Z M U) O ? r 50 z 9 m c a m *N O r O 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. Why would I want to use my purchase checks to consolidate debt? A: You can save money by transferring balances from high- interest loans, 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: Can 1 really use my purchase checks any way that I want? A: Yes, you can use your purchase checks for almost anything- whether you'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: 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 it 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 One processes 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. © 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. T M ° m D cn a M O O O O O M X O M CD X 0 C) n 375375 O O z :0 p O M S • N m ? M m x m 1 m a 0(a M M D D ? Z O 0 1 r _N Z z ? 2 N sM z F c1 = m FN r- z m 568000-01 Capital One'anoSkyMallr"bring you quality, brand-name products! Save°on SkyMall merchandise" for any occasion through 03/31/03• FRONTGATEa Ultimate Smoothie Machine, Item 8412, $89.00" And order your Fruit Mix Kit, Item'16340, $2.99" Every Flawrs include: Strawherrv-Banana, Tropical M-p, Poch-Berry OCCQSi Nihhlers Cookie Basket, Item'938, $40.99" For these and other valuable product offerings, visit Also, you can call 1.800-SKYMALL or complete and return the form on the back. (Please indicate Coupon Code ONE20) Pius many more great items. To order by mail... CapitaloW- Account S Previous Balance $1,519.90 Payments, Credits and Adjustments $125.00 Transactions $191.31 Finance Charges $20.20 New Balance $1,606.41 Minimum Amount Due $48,00 Payment Due Date March 07, 2003 Total Credit Line $3,000 Total Available Credit $1,393.59 Credit Line for Cash $1,500 Available Credit for Cash $1,007.23 At your service To all Customer Relations or to report a lost or stolen card: 1-800-903-3637 For free online oooount x iee and special m aomer offers, log on to: xvnv.apitalone.mm Send payments to. Send inquiric to: .Attn: Remittance Processing Capital One Service Capital One Service P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information For service in Spanish, please call (800) 929-8137. Para servicio en Espadol, por favor marque 800-929-8137. PLATINUM VISA ACCOUNT 4862-3622-0275-2625 JAN 08 - FEB 07, 2003 Page 1 of 2 Payments, Credits and Adjustments 1 08 JAN CAPITAL ONE ONLINE ACH PAYMENT $50.00- 2 01 FEB CAPITAL ONE ONLINE ACH PAYMENT 75.00- Transactions 3 10 JAN RED LOBSTER 00001958 MECHANICSBURG PA $20.27 4 13 JAN GLANT FOOD STORES #110 CAMP HILL PA 40 30 5 13 JAN JIFFY LUBE #420 MECHANICSBUR PA . 27 55 6 14 JAN GLANT FOOD STORES #113 ENOLA PA . 12 89 7 16 JAN SHEETZ #195 MECHANICSBURG PA . 14.75 8 24 JAN GIANT FOOD STORES #110 CAMP HILL PA 75.55 Capital One hasjoined with Progressive Auto Insurance so they can provide you a fast, free rate quote with no obligation! Call 1-877-397-5374! You could save $400` 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 greater than $1000). Rates and actual savings will vary based on driving record, vehicle, address and other factors. Finance Charges Plewe see reverie ride for important information Ba/ rate Pn;odir Cmrr.+ding ?C$ pplydto rat dPR GE PURCHASES $1,086.97 .0408296 14.90% $13.75 CASH $509.37 .04082% 14.90% $6.45 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. Cbpffalom- 0000000 0 4862362202752625 07 1606410075000048001 New Balance $1606.41 Minimum Amount Due $4800 Payment Due Date March 07, 2003 Total enclosed $ Account Number: 4862-3622-0275-2625 pf'-Prortmai6ng add u r-nsa;(dsanger be! err; gblue-1-4 ink aveet Apc 0 C'ty S.. ZIP Home Phone a n...,... n?.___ 49003956580575513# MAIL ID NUMBER Capital One Bank ?- PETER ISCARIOT P.O. Box 85147 ???trr??ttrr??trt??rtl 4173 GROUSE CT Richmond, VA 23276 -= MECHANICSBURG PA 17050-9116 h III r 111 1111111 1111111111 11 err 1111111111111111111111111 1 1t 11111111 rnnIIsuIIrII n 1r 1st 1 r 1 u if 1r 11 Pleare v viteyour m-nt number on your eheck or money order made payable to Capital One Bank and mail in the endased envelope. r Capital One" and SkyMall'" bring you hundreds of product offers from brand-name companies. Shop for special occasions or yourself and save 20%! Capital One and SkyMall make it easy to own great products from the world's leading companies. Purchase quality, brand-name items such as Mrs. Fields Cookies, Frontgate's Ultimate Smoothie Machine and hundreds more. plus, shop worry-free with the SkyMall guarantee. See Web site for terms and conditions and delivery information. Three easy ways to order: • visit www.skymalLcom/capitalone02 • Call 1-800-SKYMALL (759-6255) • Complete and mail this coupon with your credit card payment • Don't forget to use Coupon Code ONE20 at checkout Take advantage of this opportunity to save 20% through 03/31/03. Important Information 'No' all of the companies that advertise in SkyMall participate in discount programs. Therefore, the discount will not apply to some products. See Web site for complete details. "Plus shipping and handling, plus applicable taxes. Shipping and handling will vary by order. Shipments to Alaska, Hawaii, Puerto Rico, Guam, Apes and FPOS require an additional $to shipping charge. SkyMall is solely responsible for this offer and is not affiliated with Capital One. Any trederi mentioned here are solely owned by the respective entity. All rights reserved. Capital One has no affiliation with these non credit card entities or products. Capital One does not provide, endorse orguaramee any product or service shown here. By responding to this oiler, you may be communicating information about you wif to SkyMall, which provides this product-for example, that you are a Capital One customer. © 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 O I p I o N Meiling Address City E-mail Address _ Phone Number 1 I Oooooo0000000000 credit Card Number ( C .- 00/00 Smoothie Madtine 0589.00x Qty Credit Card ExpirietionData Total Fruit Mix Kit 0$2.99 xQty (( 1, ?_ Cookie Basket 0$40.99 If Qtyl 1 ,- Fruit Mix Kit Flavors: Deduct 20% Off Now - Strawberry-Banana _(Qty) '- Tropical Mango ___(Qty) Total Cost to You" Peach-Berry _(Qty) .,u....... Date I authorize Capital One to forward this coupon on my behalf to the company that provides this product. 2JCAF pe odic role. To obtain the average daily balance for the billing Period covered by this smtemam, vve take the 'coneycti rp balance of each segment each day, add any ne new ransems to each sogmat, and author er any payments or credits. Nf the Code N apposes on the from of this statemem next to'Balance Rate Applied To,- m also subtract any unpaid finance charge included in the balance of each segment.) Tiffs gives to the daily balance of each segment. [hen, we add up all the daily balance a for each segment for the Npirg period and divide by the total number of day. In the billing period. This gives us, the averege daily balance of each segment. 3. Ansel --*W Rete IApRI. e. The term 'Annual Percentage Rate' may appear as APR' on the from of this atioament. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), Or S IBantop rd Prime) appeals on the fret of ratestfd. ,der,= rext to thecorre'pahdirg A periodic rate(s), Mite periodic and III AL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the stood )rafces, as found in The Way Street ?wanal, plus the margin previously disclosed to you. These Charles wiN be effecdve w the amt day of your billing pe covered by your periodic ma[emml erring the months Jorsary, Apra, July and October. c. If the code D (Prime), F (1-mo. LIBOR) or G IT— LIBOR Repriced Merrill appears on 11 from of your States. next to tte pedodc rate(.), the pedof. rates and correapahdrg ANNUAL PERCENTAGE RATES may vary monthly a may increase or decrease based on the stated indices, as fond in The Way Street Journal, plus the margin prcviou ly disclosed to you. These changes will be effective on the first day at your billing period each month. 4. Assesrmert of Lat., Overlmet end Rehrned Payno t Fees. Your account will be natural ro more than two of the fees listed here shot Occur during any billing period. Under the terms of your customer agreement, vic manne, the right to I- or not to assess any foes without prior notification to you without waiving our dght to assess the some or similar (CCs at a atop llme. 5.tRenmewig Vou Acxaat. If a membership fee pp.ma on the front of this Statement, you have 30 days from the date this Statement was mailed to you to avoid paying the fee or to have much fee credited to you if you cancel your account, During this period, you may continue to use your account without having to pay the membep te To ram" your eccart, yen muSt notify L:" by caelling our Customer Re xcludi lations Depanmem and pay your *New Balance' in full (eng the more catnip fee) prior to the and of the lhiny-day pence. 6. If You Cbae Your A. .."t. You Co. request to dose your account by calling our Cum or er Relotias Department. You mum destmy your credit cam(s) and accost access checks, cancel dl preauthorized filling, eM cease usi.9. your account. If you rho rim cancel preauthorizedling arargemenls, we will ocrroider receipt of a Barge your aWmdzation 10 reopen your account. Additionally, your account will not he cored until you pay all amount' =,01 e u9 ineudirg: any transactional you lave auted, finance charges, Pam due fee., overtion fees, returned payment fees, cash advance fees and any other fops ==_t. to your account. Vm ere resP=. for whe they appear on your accoum at the doe yen request ther he CIOW the aceetm or they are Incurred 9Ob.000erht 10 Your request to dose The account. This may result in churges appearing on your accoml after you have your ao rourmt if it has already been dosed. For example, if you authOdzed a purr-has. from a manctiont and we mCo- the transaction from the memham after your account has beam dosed, your accam - be reopened, the anent of the rrierge will be added to your account, arid you will be responsible W payment. If there is a miborahip fee for your meeo rt, the fee will Conti tie es be charged, to rho amen permitted by law, until the account balance has been paid in full a' defined above. 7. Using Your Awourt.ymr card Or acceum carrot be used in caxrectim with any interest gambling transecdors. 8. Mod" About Electre.s Clnek Ca andi n. When you provide a deck as payment, you aalmorize us either to use refummdm from Your Check to make a one-tires eladrio do find transfer from Your bank aCralra or to process the paymont as a check tra ea -don. When we information from your deck to make an doestop is oner find transfer, funds may be =ram from your bank acmum as soon as cis same =ram receive your p•Ymant, and you will not receive your C Sck beck from your financial iretltudon. BILLING RIGHTS SUMMARY (In Case Of Errors Or Questions, Alxxa Your Bill) If you think your bill Is wtorg, Or if you need more information on a transaction or bill, -ht to us m A separate sheet as soon as possible at the address for inquiries shown on tie from of this oersecon. We must bur you ro later than 60 days after w+e sat you the first bill m wfich the error or oradem appeared. You can cell our Customer Rdadms number, but doing s0 will not preserve your ridma. In Your letter, give us the following information: Your name and account number, the dollar aZom of the Suspected error, a description of the error and an expianatim, it possible, of why yen behove there is an error, our if you reed more information, a description of the item You ere unsure about. Your do rim have m pay any ammo in questi while are investigating h, ben you are still obligated to pay the pars of your bill that are not in question. While we investigate your quenim, we cannot repro you as delinquent or take any action to collect the amount you question. 1,t Spedal Rule For Credi Card Purchases If you lave a problem vlih the quality of property oyou r seMces that You purchased with a credit end and have tried in good faith to correct the problom with the merchant, you may have the right not to pay the remaining amount due on the propenY or aeMCee. Your have this prometic oniy wfien the purdueSo price was more than 960.00 and the purchase, was made in Your home state or within 100 miles of your mailing address. (If we own or .Perot. the merchant, or if we mailed you the advenisentem for the prcperry m seMce s, all purchases rc covered rogerdess of arrant our IOcation of purchase.) Please remember to sign all correspondence. t Goes not apply m c.nsurner Flan-credit card accounts t Dec. not apply to bu lee- --reedit call ecc.unta Capital One supports information privacy protection: we our Webshe at wWW..a talme.com. Capital One I. a federally regiQstered service mark of Capital One Financial Corporation. Al rights reserved, s 2003 Capital One 01 LOLBAK 1. How To Avoid A F1-;have a Cherge. to. (lease period. You wilt minimum grace period of 25 ploys without finance darge on new. pu a memi new balance tmretces, hew special Purdeses and new ether emerges if you PaY your total New Balance', in accordance void. the Imponam hind for payments blow, and in tine for h to be credtod by your non statement 11 date. There is re grace period m cash advances and spetlel trarsfem. In addition, them Is rto grace period on any [rars lion if you do not pay the most -New, balance.' b. Aoonig Rams. Cherg•. Tremactias which are not abiect es a grace period em assessed rips charge 1) ftorrm theta date of the trerhssctlon or 2) from the date the tra sectim is proposed to your Account or 3) tenet the first calendar clay of the exmme t biGinp pulled. Addtimally, 'f You did rot pay the 'New B.aree from the proNoue piling period ten flM, finance , rga. -ft m to accrue to your urhpeid b l- tndl the urpeid balance is paid in fill. This nmeas that you mayy ad. owe flrsnce Cm.rgea, even if You pay the entirr: New' Balsas imdratad on the from of your aretamat by the men aatemert dosing does, bur did not do m for the previous math. Unpaid Breance, changes yuu Axdnt. re ecldad es the a[pspiprableFm each segnem bofilling period that T c. a6hirerrr Firnerse Chsrg•. Your mxxut Is suhbiect to a finance, change, a mbtnxrn total FINANCE CHAROE of $0.50 will be imposed. If the now 111mee dherye realtlrp frcm rite application of your peroic rate(s) is leas than 90.50, vve will attract that Simmons from the $0.50 minimum and the difference wid be blNed es cis WrMase seg-at of your .-t. td. Tanparery Reduction in Fiume Charge. We reserve the right to rim assess any or all finance Carge r for any given billing period 2. Average Daily Balace (anckrdrg New Purah.... 1. a. Finance charge is Calaiated by multiplying the daily balance of and, segment of your scour (e.g., cash durance, purchase, Special t,-f.,, and Special purchase) by the corresponding daily periodic rate(s) plat has been pmviasly disclosed to you. A[ the mhd of each de during the tilling period, we apply the daily potluck rate for etch segnmt of you .-, to the dally hot. a of each Segment. Tim at the end of the hillbtoonive at p0riod, we add up the reaps of these daily C.arlatiurs your .Wfinance Charge fm each s0pnont. We odd up thin resits fran each sagnmt [o arrive at thhe tool peraic 5-Z. Caarge mr your secant. 7o get de daily be,- for eaten •egmout of your aceant, we take the beprrhirg balance fo eaM wgrnent and add any new transactions and any periodic fnernce, charge celpuiated on the pmvfous deY3 belerets for that segment We than subtract may peymata or creuils posted es of plat day [het ere allocated to that .egnat. TNa gives us cis separatedaily b.ance fir each sagnem of you ac-; I Howevo, if you ppueb cis lbw Balance shown on you prcvlas sat ens, In fiA (or If your new balance was, zero or a credit amount), now towee cdores which Post to your purchase or special Purchases Segnamos are not added to the d.ly balances. We calaime the avara( S doily balance by ad3np aG the daily bdenc rs together end dividing time sum by the number of fit re days in the Com mt billing cycle. To ca oulme your, tot. rile, -triply your average daily balance by the daGy -pC perio ndic rate and by the ember of dove in the bill- periouf. Duo to ruxrn6ng m a daily basin, there soy be e .94. variance betvveam till. -.I- and the amain of finance of.?. amrally assessed. It. If the code Z o b r N appears m the from of this statement rota es -Balance Rate Applied To,' eve mrldcv the 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 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 clips, etc. when preparing your payment. CAPITAL CONVENIENCE CHECK PETER ISCARIOT 70019 4173 GROUSE CT 68-677/510 MECHANICSBURG PA 17050-9u6 200884 Date Pay To The Order Of [1.700 1911' 1:0 S 1006 7 781: 7 10 2 20 2 7 S 26 2 S11' An additional and easy way to access your account Use just like personal checks Don't wait! Your checks expire 03/28/03. Thank you for choosing Caipita/lm° Preferred Cardholder Customer Relations: (800) 903-3637 www.capitalone.com m c m N Expires 03128/o3 700.00 Dollars Page 2 of 2 Enjoy greater flexibility with the attached Capital Convenience Checks RE: Your account number ending in 2625 PETER ISCARIOT, We consider you a Capital Ones' Preferred Cardholder. To show you our appreciation, here are two Capital Convenience Checks* for you to use any way you like. Why should I use Capital Convenience Checks? You'll enjoy easy access to your credit card account with your two convenience checks, which you can use for cash and at locations credit cards are not accepted. You'll notice that your first check is made payable to you. Deposit it into your bank account and use it like cash. The possibilities for the other check are endless-take a weekend getaway, buy new clothes or give as a gift-the choice is yours! These checks have the same APR, credit line and transaction fees as your cash advances. Just be sure the amount of your checks doesn't exceed your available cash credit line. We hope you'll find your checks an easy, convenient way to use your Capital One account. It's our way of saying thank you for being a Capital One Preferred Cardholder. Sincerely, Robert M. Alexander Senior Vice ]'resident, Capital One P.S. Don't delay! These Capital Convenience Checks expire 03128103. Take advantage of both of them today! *Please see the reverse for the terms and conditions of using these checks. 200884 CAPITAL CONVENIENCE CHECK PETER ISCARIOT 4173 GROUSE CT ]0020 MECHANICSBURG PA 17050-9tt6 68-677/510 200884 Date Expires 03128103 Pay To The Order C-WitalCW Richmond, VA Cardholder Dollars 11'7002011' 1:0S10067781:7i0220275262S11/ ¦ Ca/ifalO17C' Richmond, VA Memo Cardholder T M ° M D r m N M M O 9 ° O T O O m z O rr O 0 0 z M 0 M N M :E :0 n M ° m m O M D D T D V Z0 r) ? D r in Z n Cn Z W' c m ? r zF C y N = M * N r z m Answers to your Capital Convenience Check questions Q: What interest rate will apply when 1 use my convenience checks? A: You will receive the same APR as you have on cash advances. account terms for fee information. Q: Where are convenience checks accepted? A: Convenience checks are accepted wherever you normally use your personal checks. You can even use them at locations that don't accept credit cards. Q: Will my convenience checks ever expire? A: Yes, the expiration date is printed at the top of each convenience check. So use them now for greater financial flexibility! Q. Is there a transaction fee? A: Yes, there is a transaction fee for using convenience checks. The fee is equal to your cash advance fee. Please see your Q: Can I really use my convenience checks any way that I want? A: Yes, you can use your convenience checks for just about anything-whether you're shopping for new clothes, enjoying meals out or just want to have cash on hand. * Important information regarding your checks: A Convenience Check will be treated as a cash advance according to the current terms of your Customer Agreement and any amendments to it. However, it may not qualify for any rewards programs. The attached checks are subject to cash credit availability, so you must have the available cash credit on the day Capital One processes your check. Check acceptance is also subject to the current status of your account, and it 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. There checks cannot be used to pay down or pay off any Capita[ One account. Cashing these checks will qualify as using your account. All other account terms and conditions remain in full force and effect. © 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 442845 T M p 0 M O M z D r M 0 m 4 M N M M F U < 9 m m ° _m T M O U) W O D 1 n T $ D a ° Z O O m D y 0 O Zn < (P 2 M m M0 Z 1 - r m O z v i F 9 C -? M N M y s n r n z m M z 0 0 W N M X M W M Z 0 0 M N S M M M Do you know what's on your credit report? Your Creditlnform empowers you to manage your credit toect • Get a customized, easy-to-read credit profile that includes di a your cre t score. a loan, Credit • Receive detailed credit updates every three months. Or • See what influences your credit score with Credit Analyzer, rad an online interactive tool. e ion • Consult with Credit Education Specialists, toll free. • And much more for only $4.99 a month. See back for details. Credit Inform Risk-free for 30 days. Offer expires: 05-31-03. P^--rcd by EQUIV K' To respond to this special, limited-time offer, simply complete this acceptance form and return it with your Capital One card payment. Visit www.mycreditinform.com for more information. Capitallo• Account S Previous Balance $1,606.41 Payments, Credits and Adjustments $75.00 Transactions $14.97 Finance Charges 118.48 New Balance $1,564.86 Minimum Amount Due $46.00 Payment Due Date April 07, 2003 Total Credit Line $3,000 Total Available Credit $1,435.14 Credit Line for Cash $1,500 .Available Credit for Cash $1,024.58 At your service To call Customer Relations or to report a lost or stolen card: 1-800-903-3637 For free online amount swim and special customer offers, log on to: www.capimlone.mm Send payments to: Send inquiries to: .Attn: Remittance Processing Capital One Services Capital One Services P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information For service in Spanish, please call (800) 929-8137. Para servicio en Espadol, per favor marque 800-929-8137. n co n N PLATINUM VISA ACCOUNT 4862-3622-0275-2625 7168 FEB 08 - M.AR 07, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 03 MAR CAPITAL ONE ONLINE ACH PAYMENT $75.00- Transactions 08 FEB WEIS MARKET #58 MECHANICSBURG PA $14.97 Capital One has joined with Progressive Auto Insurance so they can provide you a fast, free rate quote with no obligation! Call 1-877-397-5374! You could save $400` by comparing rates. Mention code P700. "Possible savings based on rate variance of annualized comparison rates calculated by Progressive on calls received from 6/l/01-12/31/01 (excluding variances greater than $1000). Rates and actual savings will vary based on driving record, vehicle, address and other factors. Auto Rental Insurance - Coverage for collision damage or theft with card purchase of auto rental. Certain restrictions and conditions apply. Warranty Manager - Doubles manufacturer's written U.S. repair warranty up to one year on warranties of three years or less. Certain restrictions and conditions apply. Register your purchases by phone or online. Go to www.visa.com/benefits or call 1-800-955-7070 now for complete benefit information. Finance Charges Peeare ree rev erie ride for important information Rd rate Periodic eotxrp .1-1 FINANCE ` afpliedtP rate l . PR ??IAR( E PURCHASES $1,125.55 .04082% 14.90% $1186 CASH $491.39 .04082% 14.90% $5.62 ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. CapltalQW 0000000 0 4862362202752625 07 1564860075000046009 New Balance $1,564.86 Minimum Amount Due $46.00 Payment Due Date April 07, 2003 Total enclosed $ Account Number: 4862-3622-0275-2625 P/eareprint mailing a"-andor e-,xailelmgerbe/ urirsgbive orblacE ink strxt Apt 4 City S.. ZIP Home Phone Alternate Phone #9006756580575514# MAIL ID NUMBER Capital One Bank PETER ISCARIOT P.O. Box 85147 4173 GROUSE CT Richmond, VA 23276 MECHANICSBURG PA 17050-9116 P/eate ratite your account number on yaw check or money order made payable to Capital One Bank and mail in the enlaced envel pe. XYFS, I want to manage my credit with Creditlnform. 560200-01 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 One to forward this coupon on my behalf to the company that provides this product. Signature Name (Please Print) ??? - ?? ???? Social Security Number (Required) 4173 GROUSE CT MECHANICSBURG PA 17050-9116 1000000074222291 r Creditinform 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 Creditinform member, you can monitor join Creditinform 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 will 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 detailed quarterly credit updates online or via mail. And Credit Education Specialists are available to answer questions or help you resolve a dispute. Sign and return this form today to more effectively manage your credit with Credit/nform. © 2003 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.ftc.gov/bcp/coline/edcams/fcra/index.htmt. 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 authorization 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 18 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 affillated with Capital 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 1-866-226-3745. By responding to this offer, you may be communicating information about yourself to the company that provides this product-tor example, that you are a Capital One customer. The Creditinform service is available to only one cardholder per account. 8 O O ? O N ppeeriodic Fate. To obtain the average daily balance for the billing period covered by this statement, we take each each segment each day, add any new transactions balance of transactions or credos. (If the eodeNN appeam subtract tt he trot of [thiss statement ncM to 'Balance Rate Applied To; we also subtract any unpaid finance charge included in the bala of each se ern.) This gives us the daily balance of each segment. Then, we add up all the dally balances for each segment for the billing period and divide by the total number of days in the billing period. This gives us the age daily balance of each segment. 3. Arrl Prertage Rater tAPRI. a. The term 'Annual Percentage Rate' may appear as 'APR' on the trot of this statement. b. If the code P (Prime), L (3ine. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appears on the from of this statement next to the periodic rate(s), the periodc rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the staled indices, as fond in The Wall Street Jorrnal, plus the margin ppreviously disclosed to you. These changes will be c ective on the And day of your tilling period covered by your periodic statement ending in the moths January, April, July and October. c If the tale D (Prime), F 0-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appears on the front of your statement new to the periodic rate(s), the V.Odc rates and mnesponelirg ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the stated indices, as fraud in The Wall Street Joumel, plus the margin previously disclosed to you. These changes will be effective on the Aral clay of your tilling period each month. 4. Aswamart of Late, 0-israt rd Rahar,ed PwMw t Files. Your account will be assessed no mom than two of the fees listed here that occur during any billing period. Under the terms of your metaner agreement, we reserve the right to waive or not to assess any fees without prior ratification to you without walving our right to seems the same or similar tees at a later time. 5. t'Rrrwvtp Yotr Aeow[. If a membership fee appears on the front of this statement, you have 30 days from the date this statement was mailed to you to void paying the fee or to have such fee cradled to you if you cancel your account. During this period, you may continue to use your account Wthout having to pay the membership fee. To cancel your account, you must notify us by calling our Customer Relations Department and pay your 'New Balance' in full (excluding the membemilp fee) prior to the end of the thirty-day period. 6. N You Cl- Your Aeoous. You can request to dose y? rant by calling our Customer Relations Depenmem, you must destroy your credit cad(s) and account access tacks, cancel all preauthorized billing, and tees usirhy your account. If you do rat cancel pmauthorized billing arrangements, we will consider receipt of a charge your authorization to reopen your account. Additiaolly, your account will net be closed until you pay all amounts you owe us including: any tr a-dos you have authorized, finance charges, past due fees, overlimit teas, returned payment fees, "all advance fees and any other fees asseewd to your accent. You are responsible for these amounts whether they appear on your account at the time you request to close the account or they are Incurred subsequent to your request to dose the account. This may alt in charges appearing on your accent after you have your secant if it has already been closed. R. example, if you authorized a purchase from a meniarn and we receive the transaction from the merchant after your account has been closed, your accent will be reopened, the amount of the charge we be added to your account, and you will be responsible for payment. If them is a membership fee for your aoceui, the tee will continue to be charged, to the eMerht pemimod by law, until the sccari balance has been paid In fill as defined above. 7. Uskq Your Aeaeust.Your card or account cannot be used in connection with any Internet gambling traa-tics. 6. Notice Alton El.otrorlo check Cawrsbn. When you provide a deck as payment, you _h-dze w eider to use information from your check to make a airtime electronic fund transfer from your bank accent or to pmcew the payment as a dick transaction. 'Man we use information from your tack to make an electronic fond trarnfer, funrkt may be withdrawn from your bank accent as soon as the same day we Tom." Wur payment, and you will not receive your check back from your firhenc?al Institution. BILLING RIGHTS SUMMARY (In Case Of Errors Or Ouesdons About Your Bill) If you think your bill is wrong, or if you need more information on a transaction or bill, write to us on a separate sheet as soon as possible at the address for inquiries shrrvn on the flan of this statement. We must hear from you no later than 60 days after we sot you the first bill on which the error or problem appeared. You can call our Customer Relations number, but doing w will net preserve your rights. In your letter, give W the following information: your name and accent number, the dollar amount of the suspected error, a description of the error and an expunction, if possible, of why you believe there I. an error; or if you need more information, a description of The hem you am issue about. You do not have to pay any a t in question while we am Immedgating it, but you are ie still odi=d to pay the pans of your bill that are not n question. WHIs we invesrigme Your question, we cannot report you as delinquent or take any action to collect the amount you question. t,t Special Rule For Credt Card Purchases If you have a problem with the quality of property or Mcee that you purchased with a credit card and you have tried in gad faith to correct the problem with the merchant, you may lave the right net to pay the remaining mount due on the property or seMces. You have this protection only vlnen the purchase price was more than 350.00 and the purchase was made in your home state or within 100 miles of your mailing addrew. (If we own or operate the merchant, or if we mailed you the adveni.wMMt for the property or services, all purchases are --I. regardless of amount or location of purchase.) Please remember m sigh all correspondence. t Does mot apply to ca- Fan-credit card necounts 3 Does Fat apply to business ace-credit card .,counts Capital One apports intonation privacy protection: sea our we11 at www.capptalrxe.cem. p*ita federa Cal One is a lly registered service mark of Capital One Rnandal Corporation. All rights reserved. a 2003 Capital One 01 LGLBAK tea. Grace Parcel. You will have a minimtan grace period of 25 days without fit- charge on new pmtases, new balance tram m., new spatial purchases and new other charges if you pay your tonal 'New Balance% in ceordrhce with the Important Notice for paymerna below, ed in time for it to be cradled by your ncM staternent and date. Them is w grace period on cash advances and Medal transfers. it, addition, them fa nc grace Aerial any iE_Fmdon if you do rot pay the tnal 'New balenc?e.' I). != Fit-. Change. Transactions which ere net f_ m , e gram period am -w ased ft-- large 11 from the dot of to uansaetlan or 2) from the data the transaction I. processed to Your Accent or 3) from the first calendar day of the current billing period. Additionally, if you rid net pay the 'New Balance' from the previous billing ported in full, finance charges continue to eccruo to your unpaid balance until the unpaid balance is paid in full. This means that you mayy st(s owe finance clhergas, even if you pay the odm New Baianee idicetd on the from of your stammers by the next statement dosing dine, but rid not do so for the pmvio s made. Unpaid finance Barges am added to the applicable, -gnei of your A-- t,;. Minim urn Films Charge. For each billing period that your accent is suited to a fiance large, a minimum toes RNANCE CFtARGE of $0.50 will be imposed. If the total finance cage malting from the application of ynt periodic roe(s) is leas than $0.50, we will attract that amount from the 50.50 minimum and the diffd- whit be billed to the purchase segment of your account. t d. Te gwwy Recustien in Renee Charge. We reserve the right to not asaew any or all Finance charges for any given billing period. 2. Avrage Daily Asian- (Inoludkg New Puehwesl. a. France large is calculated by muttiplying the daily balance of each segment of your account (e.g., cash advance, purcase, special transfer, and special purchase) by the corresponding daily periodic Fate(s) that has been pmvkxdy disclosed to you. At the end of each drtdudng he billing period, we apply the dolly periodic rate for each segment of your accent to to daily balance of each sego t. Thom and of the billing period, we add lap the daily calculations to arrive at your periodic finance large for each segment. We add lap the realm from each segment t arrive at to teal periodic finance charge for your amount. To get the daily balwes for each segment of your accent, we take the beginning balance for each seg rem and add anyy chew tmnsactias and arty pn c finance charge calalatd on to pmvias days balance for that segment. We then attract any pa or d as of that day that am allocated credits to that gn This gives us the separate daily balance New_se 6alarii-e enahowm m y account. previous sHowever, if you pelt the (or if your new balance was zero or a cradt wro nt), new vrsactias which post to your purchase or special calculate -s them a dell addeance d T by daily be[-. We balances t ? Y y thed the daily ogetler and dvidng to am by the clutter of the days In the currant billing cycle. To calalat your total finsrhce tlarpe, mJtipiy your average defy balance bV the doily perlodc Fate end by the ember of days in the lolling period Due to rarhdng on a daily basis, there may be a slight valence between his caialatlon and the emari of flnsnce d Z actually assessed. b. If the code e la or N appears on to from of This nthement next to -Balance, Rae Applied To, we multiply the 27079M 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 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 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 clips, etc. when preparing your payment. r--------------------------------------------------------------------------------------------------- I 003 1 Show Mom your love! ? I Special savings for Capital Ones Cardholders! 1 * on your next purchase when O/? you use Promotion Code CAP66 >S a ve (See reverse for details) 11 Save this code! Offer good all year long) Remember: Mother's Day is Sunday, May 141h 1-800-flowers1com. Call 1-800-FLOWERS- (1-800-356-9377) or Click www.1800flowers.com today! Your florist of choice- L-------------------------------------------------------------------------------------------------- J Capital oW, PLATINUM VISA ACCOUNT MAR 08 - APR 07, 2003 4862-3622-0275-2625 Page 1 of 1 Account S Previous Balance $1,564.86 Payments, Credits and Adjustments $75.00 Transactions $.00 Finance Charges $19.89 New Balance $1,509.75 Minimum Amount Due $15.00 Payment Due Date May 07, 2003 Total Credit Line $3,000 Total Available Credit $1,490.25 Credit Line for Cash $1,500 Available Credit for Cash $1,041.33 At your service To call Customer Relations or to report a lost or stolen card: 1-800-903-3637 For free online account service and special mstomer offers, log on to: -pitalone.cvm Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Services Capital One Servicrs P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information For service in Spanish, please call (800) 929-8137. Para servicio an Espadol, per favor marque 800-929-8137. Payments, Credits and Adjustments 1 07 APR ELECTRONIC PAYMENT $75.00- Capital One has joined with Progressive Auto Insurance so they can provide you a fast, free rate quote with no obligation! Call 1-877-397-5374! You could save $400' 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 greater than $1000). Rates and actual savings will vary based on driving record, vehicle, address and other factors. Finance Charges Plexe tee raoerJe ride for important information Baf re>atr P t r Cm rpo„d ng FINANCE. 9sp7rdto ra e taut APR ?I-IAIjGE PURCHASES $1,094.45 .04082% 14.9096 $13.85 N CASH $477.60 .0408294 14.90% $6.04 n N ANNUAL PERCENTAGE RATE applied this period 14.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. Cap taloga 0000000 0 4862362202752625 07 1509750075000045001 New Balance $1,509.75 Minimum Amount Due $45.00 Payment Daze Date May 07, 2003 Total endosed $ Account Number: 4862-3622-0275-2625 Pirarrp.;mt>mai!'agaddrrrra? r-meJelaangrrbr! miugbiveo.tiiarkixk Strx Apt J Clry S- ZIP Home Phone fidw . Phone #9009856580575519# MAIL ID NUMBER Capital One Bank 1 PETER ISCARIOT P.O. Box 85147 111 un 11 Ill 11 N 4173 GROUSE CT n n i m Richmond, VA 23276 N MECHANICSBURG PA 17050-9116 r - IttLIiiILIrItlltttL11n11nt11ut11ut11ru11ut11nt11nr1 ? 1m111ut111rnr1i1r11ru1r1run11nt11r11u1r1u1rluu1r11 Plewe ratite your account number ors your check m money order made payable to Capital One Bank and mail in the enclared envelope. r Get sweet savings on Mother's Day gifts for all the moms in your life 1 D/0 1-800-FLOWERS•COM® always promises you and all Save on your next purchase when the moms you love: you use Promotion Code CAP66 • Freshest flowers artistically designed Save this code! Offer good all year long! • Personal service 24/7 for delivery same day, any day •100% satisfaction and freshness guaranteed Call 1 -800-FLOWERS" (1 -800-356-9377) • The finest selection of flowers, plants, gift baskets, plush toys, gourmet foods and more • Gifts exclusively designed for 1-800-FLOWERS. COMO by leading brands you trust. 1-800-flowers omrn Your florist of choice- r t? r ttt? 8 o I O ro I o 0 or Click www.1800flowers.com today! "Exclusive of appicable service and shipping charges and taxes. Items may vary and are subject to availability, delivery roles and times. Items can be ordered online and by phone only Offers cannot be combined, may not be available on at, products and are subject to restrictions, limitations and blackout periods. Offer valid through 12131/06. Prices and charges are subject to change without notice. Void where prohibited. <g 2006 Capital One Services, Inc. Capital One is a federally registered service mark. Trademarks mentioned herein are solely owned by their respective entity All rights reserved. 1-8D0-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 C) 20061-800-FLOWERS.COM, INC. r 1-800-FLOWERS.(OM) uses Secure Socket Layer (55L) encryption technology to secure its website. 1. How To Avoid A I-. Chargi ill h O P bd Y I i pe dock rate. To obtain the average daily balance for the b d your amount if it has already been dosed. For example, ta. n- r . ou w ay. a m r - grace period of 25 days without finance Jorge an new purchases, row illing Perio covered by this statement, we take the begitrnrg balance of each segment each day, add any now if you authorized a purchase from a merchant and we rernlve the transaction from the merchant after your balance transfers, new special purchases and row other transactions to each segment, and subtract any payment. -count has been dosed, your account Will be mopeed, dargea if you pay your fare) -New Balance', in ar credo. (It the code N appeals on the from of this the amount of the carpe will be added to your amount, aaerdehce with the Inmpofmnt Notice fen payments below, Statement new to "Balance Rate Applied TO, we else and you will be responable for payment. If there is a and in time for it to be credtel by your nett eatemem attract arty unpaid finance large included in the balance membership fee for your account, the fee will continue :r. There is ne grace period en man advances := of each ) This gives us the daily balance of each m be charged, to the extent permitted by law, until the , transfers. In addition, there Is no, grace period segment. Thad, we add up all the daily balanxs for each amount balance has been paid In full as defar d above. o any tmrsa-tlo it you do rot pay the total 'New segment for rite billing period and divide by the total 7. brig your Aoerrd.YWr cam or account cannot be al bance.' nether of days In the bilNng period. This gives us the used In connection with any Internet gambling b. A.-Ing Florae Chang.. Transactions which are net average daily balance of each segmem, trereacdtra. sttmjox to a grace are assessed finance charge 1) :7!: 3. Arno Proentrip Rates (APRI• S. Notice, About Eleebarle Chwk conversion. When you from the data of t, sact- or 2) from the data the a. The term 'Annual Percentage Rate' may appear as provide a check as payment, you audedze us either to transaction is processed to your Account or 3) from the APO' on the from of WS statement. use information from, your deck to make a ono-time first calendar ley of t}e rouse.. hi i paced. A nori ' b. If the code P (Prime), L (3-mo. LIBOR), C (Cenifcee of electronic fund transfer from your bank accent or to if you did not pay tfe New Balernce from the previous Deposit), or S (Bankcard Prime) appears on the from of process the payment as a check transaction. When we iilfing period in fill, finance charges continue to accnuo to this Statement non to the periodic ratelm, the periodic use intemnartm from your check to make an electronic your uroad balance -1 the tspaid balance I. paid in full. rates and eonespodrg ANNUAL PERCENTAGE RATES fund transfer, lurhdm may be withdrawn from your bank This means that you y still owe trans ce* , even if Vou pay the entire New Balance indicated o the frau of may vary quarterly and may increase or decrease based on the .tamed indices, as found in The Wad Sheet accent as soon as the same day we receive your payment, and you will not receive your check bock from your smtenot by the roxt stammmn dosing dam, but did faunal, plus the margin proviously disclosed to you. your financial institution. not do So for the previous month. Unpaid finan a charges These danges whN be effective on the first day of your are aoHod to the appNcalla angnent of your Aceoxrt. billing period wvemd by your periodic statenrant ending Bit UING RIGHTS SUMMARY t c. Mier rn Finruo. Chugs. F. each billing period that dm moths January, April, July and October. (In Case Of Error Or Ouemlos About your Bill) your accent Is ablect to a rnorce large, a minimum c. If the code D (Print.), IF LIBOR) or G (3-mm. If you think your bill is wtog, or it you need more total RNANCE C1W E of $0.50 will be imposed. If the l M o ul f di li i f k LIBOR Repdred Monthly) aWqaaa the trot of your h t h d Information on, a tratsactio a bill, write to us on e h l wea hnc?e atpe res rom re app cat o o your t 0 pedudic rate(s) is leee Ilan 50.60, we will subtmet then statement next to t e par c te(a), t e odo rates and cor.spondng ANNUAL PERCENTAGE ROTES may separate s eet as soon as possib e at the address for Inquiries shhown on the from of this statement. We must amour from the &0.50 mkhimum and the diffemnre will be vary montNy end may increase or oecrease based on the heat from you no later than 60 days after we axm you the bitted to the purdhaee segment of you accouax, staled indices, as found in The Wall Sheet Journal, plus firm till o whii h lien error or problem appeared. YW on td. Trnperary Rtlalien ti nrroe Chug.. We reserve the the margin previously disclosed to you. These changes call our Customer Relations number, but doing so will not right to not asseee any or all finance charges for any given Wling period, bill will he efecli- o the firm day of your billing period each month. preserve, your tight.. M your letter, give u. the Tdbvwrg information: your name and account number, the ddlar 2. Av Daily Balsas Ikwkdimo Now Rrahawsl• a Fwnce char e is celeulmed multi l in ft dail 4. Assessment of Late, Ovrbrit and Rmnned Paynnrt Fws. Your account will be assessed no more Ilan Iwo of the f es -mount of Ile suspected error, a deacripdo of the nor nd o ex le atian if o ible f vh o belie he i . y g p y g y balance of each Segment of you achrous (e.g., cash e listed here that occur during any billing period. Under the a p , p , o ve t n ss yy y u m s an error; or If you need more W. lion of advance, purchase, special transfer, and Special purchase) means of your customer agreement, we reserve the right to the Item you are unsure abort. You do not have to pay any by rime corn gporclrg daly Palo= rte(s) that has boo ic e d m Q d A U d f c l b calve or rot to assess any fees without prior natificeao to i h lvi h h i ri il mo aunt In question cilia we are investigating it, qd you bl l - aarx you. na en g y rr t o ea h u eyy rise billig eriod we a eriodic rate to each ly de del W w t out ca ng Wr t to assess t e same or s m g ar ? al a titer time r mitt O igated to pay the pane of your bil that are not in uestion While we investi ate our uesdo w cann t p , pp y p saynerrt of your ecaurn[ m the dell y balance of each . 5.tRenrvdrmg your A-urtt. 11 a or-beship fee q . g y q , e o r.Pon you as delinquent or take any -it- to -Al.. the segnerx. Then st the end of the hieing period, vre arid xp appears on the front of this statement, you have 30 amount you question, e fen each the results of these daily celcuttetiors m arrive at your erioxic finance lar sa net W a fd u the days from the date this statement was mailed to you to void a i the f or t ha uch f e dl d p g g . e p B rents from each segnenu to aniya at then total pst t, p ng e a ee o ve s e cra to you y if you cancel your account. During this period, you may ;,t Specal Rule For Credit Card Purchases firorrs large mr yap acrnant. To got tfe daily balance continue to use your account without having to pay the If you have a erodes with the quality of properly or for each sagneM of your accord, wa take the beginning membership lee. To caned your account, you mum services that you pu!qmwd a credit and vou e balance for each segment and add U1 raw transactions and an eriodic firanne char e ralted on the revious notify us by calling our Customer Relations Department and a our "New Bala e' i fill ( th ludi faith to emnact ft m (w ha rigid probl g p y p day's balance for cat Segment We then attract any p y y nc n exc ng e membeshp fee) prior to the end of the thirt -da enal merchant, you may have the right not to pay Ins remaining ma . payments or credo pasted of tihot day dot am alkhcated y p y . 8. It Yw Cbs. Your Account. You can request to close amount dune on tune pn any o eeMcea. V W lave INS to that aegns 1. Thh gives us the separate daily balance your account by calling Wr Customer Relations = protection, only when t purchase price was more than $50.00 and the purchase was made in your home state or for each sagnent of yon aoxxmut. However, If you paid [toe . nmot. you moat destroy your credit card(s) and wiWn 1 your address. 111 we own or g New Balance shown on yap Pro susentent kh fill (or f accost access checks, camel all preauthorized billing, th wo mailed operate the merchant, or if if we you the I your now hot- was zero o r a credit amount), new and cease wing. your accent. If you do not cancel advenfsenmnt for the properly or services, all purchases transactions which post to your purchase or special preauth it bilirg anangernents,.we will consider ar e repardesa of amount Of location of Purchase.) purchase segmews are not added to the daily balances. We receipt of a conga your authodzathon to reoppen c: c ram PIS to sign all --spend-. ese remember Calcuttan the avels(p dallyy balance by adding all the daily balaces to the sun b stfer end di ri tine amber of accost. Additionally, your account will not be dosed until ou all amounts a ou owe us i cludi : a g g y do day. in the curren billing cycle To calculate your total y p y y n ng ny transactions you lave authorized fire nce char es am 1- Does not 1. consumer man-credit card occounis apply . firan- large, multiply your average daffy balance by the daily perlodc rate end by the nrnber of days in the bilNng , g , p rue fees, ovedimit fees, returned payment fees, cash advance tee. end any other Teea assessed to your S Does nor apply to basiaess err-crodit cacti accounts Pal Due to rerndng o a catty basis, there may he a sttgM verianc?e bettveeh rids calmiatim and Ifs amoutt of accent. YW are reaportibie tens thaw amoxrda whether they appear o your account m the time you reeuem to Ge tai One ono information n ac Inn sub p v Y proneclton: sea our finance large a.natty asBe?ed. i close the eccam ar they am Incurred autaequuot to vvebeite at www.captalone.can. CS ital Ora is a faderag re ice istered se ark 1 Ca it l the Wde Z or N appeen o mho fiant of Ws statement IS. t next to'Belerce Rem Applied To,' wa multiply the your request to cone tike accord. TNa may result in charges appearing o your accent after you have g y m p rv v a P Ors Rrandal Cotpowtivn. AJI rights reserved. ° 2003 vane dal balrnca of each ern mono steel the eccrnm to be dosed or the of Gapltal One 01LGLBAK 27223M 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 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 clips, etc. when preparing your payment. First 3 months half-price e97 4 a month; $9.95/mo. thereafter Now with FREE Accelerator for the first 12 monthst-a $60 value SIGN UP TODAY! ' 1-877-778-1207 Mention Offer Code: GARNET Or visit www.peoplepc.com/go/garnet 003 peoplepu online U A better 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 SymantecTM ® Pop-Up BlockerTM ?j Spam Controls ,UP Smarter Smart Dialer Technology ® LW More Email Addresses 49P Internet Call Waiting CapitalQwa Account Summ Previous Balance 11,509.75 Payments, Credits and Adjustments $100.00 Transactions $31.28 Finance Charges $18.33 New Balance $1,459.36 Minimum Amount Due $43.00 Payment Due Date June 07, 2003 Total Credit Line $3,000 Total Available Credit $1,540.64 Credit Line for Cash $1,500 Available Credit for Cash $1,066.15 At your service To mB Customer R&tions or to report a lost or stolen cord: 1-800-903-3637 For free online a um service and special owtomer o&m log on to: www.mpitalonemm Send payments to: Send inquiries to: .Attn: Remittanee Procesing Capital One Service Capiat One Services P.O. Box 85147 P.O. B. 85015 Richmond, VA 21276 Richmond, VA 23285-5015 Important Account Information Did You Know? Capital One offers more than just credit card products. With more than 47 million accounts, Capital One provides valuable financial solutions-including auto loans, personal loans, CDs, money market accounts and more-to one out of every three homes in the U.S. m_ PLATINUM VISA ACCOUNT 4862-3622-0275-2625 APR 08 - MAY 07, 2003 Page 1 of 2 Payments, Credits and Adjustments 1 01 MAY CAPITAL ONE ONLINE .ACH PAYMENT $100.00- Transactions 2 06 MAY GLANT FOOD STORES #005 MECHANICSBURG PA $31.28 F'ulance Charges Pleare J ee reverie side fm important in/ormation Ba! are P.,; d,& Corre yo„diag ,Wwto rat AA PURCHASES $1,043.14 .0408296 14.90% $12.77 CASH $454.29 .0408296 14.90% $5.56 ANNUAL PERCENTAGE RATE applied this period 14.9095 PLEASE RETURN PORTION BELOW WITH PAYMENT. Capitalo , 0000000 0 4862362202752625 07 1459360100000043000 New Balance $1,459.36 Minimum Amount Due $43.00 Payment Due Date June 07, 2003 Total enclosed $ Account Number. 4862-3622-0275-2625 P/rasrpvi,rtmailingadairna? rnwiirhangr,br! sviagtiiurorblarki,.k Seeet .Apt 4 City S.. ZIP Home Ph.- Alternate Phone 1 #9012856580575514# MAIL ID NUMBER Capital One Bank PETER ISCARIOT P.O. Box 85147 ?!!w ut!! s? s? s? u? s? 4173 GROUSE CT Richmond, VA 23276 0 MECHANICSBURG PA 17050-9116 ?u?t?n??ur?r??us?t??n??us?!us??nt??us?!us??us??nt! ° ? ?m?!?us???uu?s?s??ur!s?uns??us??s??u?r?n?r?un?s?? Plewe uniteyour aaaunt number on your thick m money order madepayable to Capital One Bank and mail in the endwedenvel p. r peoplepa- online A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: GARNET Or visit www.peoplepc.com/go/garnet 8 o r` o w PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or 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 communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months are billed at $4.97 per month; $9.95 per month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. "Accelerator is free for 12 months. Offer good for limited time. After the first 12 months, the Accelerated service will automatically revert to the standard PeoplePC Online service. Offer subject to change at anytime. With PeoplePC Online Accelerated, certain Web page text and graphics will load faster when compared to standard dial-up Internet service. Actual results may vary. PeoplePC Online Accelerated is only compatible with PeoplePC Online Internet service and specified Windows@ browsers. PeoplePC Online Accelerated is not compatible with Wirdows595 with IE 5.5 SK. Service not available in ail areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even di trial periods. You am responsible for determining whether a tall to one of our access numbers will result in telephone toll charges. Access may be limited, especially during times of peak usage. Diat-up numbers may be changed at PeoplePCB discretion. Continuous use subject to fimeout procedums. All use is subject to PeoplePC Or ire's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may very. 0 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. NI rights reserved. p?enodc rate. To obtain the average daily balance for the- billi,g Period covered by di" e the tbegsm ?bal' n?clorf each seach day, add any new '=. segment, and sutvaot any Payments or credits. Or the code N appears on the tram of this statement next to -Balance Rate Applied To,' we also subtrat, any unpaid finance charge included in the balance of each segment.) This gives us the daily balance of each segment. I we add up all the daily balancee for each segment for the billing period and dvide by the total number of days In the billing period. This gives us the average dally balance of each segment. 3. Arad apt a Rotas rAPRi. a. The term 'Annual Percentage Rate' may appear as "APR' on the front of this statement. b. If the code P (Prime), L Mine. LIBOR), C (Certificate of Deposit), or S (Backward Prime) appeals on the from of this iff lemC117 next to the periodic wrote), the pe riodic rates and corresponding ANNUAL PERCENTAGE RATES may VHty q.ioneaY and may Inwfe89e or tlewfe89e based on the anted inclose, as found in The Well Street Jounel, plus to margin previously disclosed to you. These eanges will be effective en de first ley of your billing period covered by your IwZlic autemart ending in the months January, April, July and October. c. If the code D (Prime), F (1 mo. LIBOR) or G (3-mo. LIBOR Repdmd Monthly) =care on the from of You, statement next to the part c ale(s), via periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary monThly and may increase or decrease based on the stated irhdcea, as found in The Wall Street Journal, plus the margin Previously disclosed to you. These changes II be effective on the find day of Your tilling period each .-Ill. 4. Aasem ai of Leh, ovrinit sal Relvrwd pW_* Fan. Your accr th will be assessed fc more than two of the fees listed here [het occur durirhg any billing period. Under the terms of your customer egreerem, we reserve the right to waive or not to assess any two without prior nodflcotion to yw without waiting wr right to assess the same or similar fees et a later time. 6.tRrnwkhg Yw Ao". If a membnshlp fee ppears on the front of tria rtat7n, you lave 30 days from via date tile statement wee mailed via yw to avoid paying the fee or to have such fee cradled to you if yw cancel your account. During this period, you may centints to urea ywr account vathom having to pay the m_tir ip fee, 7o caned your account, Y% mm notify us by calling wr Customer Relations Department and pay your 'New Balance' in full (excluding the em6enMp if prior to tle end of the 7Nrty-day period. S. N you pose Mohr Aoeouk. yw can re,ueat to close yyown -ceaa t by calling wr Customer Relations DepaOm=..y w must destroy your credit card(s) and account s decks, carrel all preauhodzed billing, and cease usir? yw( accent. If you do not cancel preamhoazed brilirg arrangements, we will consider rmdim of a charge your aurlforizalien to reoppen ywr account. Additionally, your ao:ounl will rot be cl osed until you pay all amounts yw core us including: any transamias you hove authorized, finance charges, past due fees, overlimil foss, returned payment fees, cash advance fees and any other fees assessed to your account. You are responsible for these amounts wfother they appear on your account m The dime you request to close the account or they are Incurred subsequent to You request to close the account. This may result in charges ppml ng on you, armour" after wu has: your account if it has already been closed. For example, if you authorized a purchase from a merdham and we receive the tra ease for from the merchant after your accent has been dosed, your accent will be reopered, the amtxrm of the charge will be added to your account, and you will be realxnsible for paymrmt. If them I. a membership fee for your eccoux, the fee will continue to be charged, to the extent pemtirted by low, until the ecoure balance hoe been paid in full as defined above. 7. using You A-mard.Ywr card or account cannot be used in connection with any Internet gambling uarar,-tkra. R. Nrtioe About Elaatrorio CMsk Cowraion. When you pmvide a dark es payment, you auttedte to sills, to tree inform= from you dock m make a one-lima dectmric fwd transfer from your bank a co rn or to process the paymont as a dock tarnsaction. when we use informati n fran your deck to make an elecbenic fled transfer, funds may be =mwn from your barhk account es aaan es dhe mc day we -ye ywr payment , and you win r98at rea:ive your clock back from your financial irstituion. BILLING RIGHTS SUMMARY On Case Of Erroa Or Questions About Your Bill) If yw think your bill is wrong, or It you need more infmuladm on a transaction or bill, write to us on a separate sheet as aeon as possible at the address for inquiries shown on the front of this statement. We must hear floe yw w later than BO days after we soot you the first bin on which the error or problem appeared. Yell can tali our Custaner Relations number, but doing so will not preserve your rights. In Your letter, give us the feff wing Information: your name and account number, the dollar amount of the stspamwd error, a description of the error and an ezpl nation, if possible, of why you believe them I. an anon; or if you noel more informailon a description of the hem you are trace .ban. You do not have to pay any among in question while ws are Imresufgetlng It, but you are edit obligated to pay it. Irani of your hill that are not in question. W1i we im+eatigate yua quesdon, we cornet report you as delfnquont or take any action to collect the amount you question. 4,t Special Rue For Credit Card Purchases If you hake a Problem with the quality of property or seMcea chat you purdhesed rAtt a credit cam and yw have tried kt good faith to coned the problem with the mercant, you may have the di not to pay the remelting amount due on the p rY a wrAc .. You he- this protei, M only wRhm the Purchase pace was mom than 560.00 and the purchase was made in your hone sate or within 100 miles of ywr mafiing address. (If we own or operate the merchant, or if we mailed yw the adwertimment for the Property or services, all purhaaas are covered regardess of amount or location of purchase.) Rinse remember to sign all correspondence. t Doc, rot apply to consumer non.credit card accowls f Does rot apply to business run- mit card accounts Ono supports information privacy protection: sae our ed service mark of Capital his reserved. 0 2003 O1LGLBAK 1. How To Awid A Fi simi charge. t a. Grace Period. You will have a minimum grace period of 25 days without finance large on new, ppurchases, new balance tmretcra, new special purchases and now other halos if you pay your total 'New Bell--, in :c- with the Important Notice for payments below, and n time for it to be credited by your next statement closing date. Them is no, grace period on cash advances and special trarefels. In addition, them is ne grace period any trerawtal if you do rot pay the total -New balance.' b. Aaaruing Fihrwa Chrgu. Transactions whi h are not subject to a grace period ore assessed Branca darga 1) tram the date of the transaction or 2) from rte date the trereacrkn is prwessed to your A-1, or 3) from the fist calendar day of the wrrao bilimp period. Additionally, if you dd not pay the 'New Balance from the previan billing period in full, finance changes continue to accrue to your uhPeb balance udl the upoid balance is paid in full. This mega cat you may atia owe franc. herges, even if you pay the arid no New Balance indicated on the front of your statement by the nos statemuvx closing date, bun rid rot do se for the previous month. Unpaid Branca rriergea are added to the appY hie regnant of yon Agxrxnt. tc. kNhkrun Encore CJrrg .Far each billing period that Your account is atjecl to a b aarhce arge, a minimum total FINANCE C}W IGE of $0.60 will be imposed. If Lho total finance large restating from the application of your ped.,i rate( s) is Iess than $0.50, we will attract that annount from the 80.50 mihlmum and the difference will be billed to the pxdhese segn? of Your accent. td. Trrpwry ReAdkn kn FF'' a ch"B". We reserve the ri(ytt to ,rot assess any or .11 finance charges for any given liiBirq period 2. Ayrri Daly B.Me. (Makr6q Naw Radtaaesl. a. Fi eness charge is calculated by multiplying the daily aeghhox of your aceant (e.g., coati by the corresponding derail al trerefw, end special purchase) y periodic nitrate) cat has been Previously disclosed W you. At the end of each day during the billing period, we apply the dally periodic rate for each segment of your accent to the dialI,, iderhce of each ragmen. Then at the and of the hiNkhg perod, f- add up the results of tfhsse daily calculations, to arrive n periodc fkhroe charge for each segment. We add tp the realm from each segrien, to arrive at the total peaodc firhanc?e clherge for Yo+ amain. To gat the dally belerhce for each moment of yen was nt, we take the beginning balance for each segnan and add altyy new, wrowdere rd any Periodic fkhrce charge raladwed on, the previous yra balaroe for dhet regrhent. We dhah attract any payment or crradu Posted as of That day cat are atlora[rd tfoordat ern?tTHI gives us, the separate deny balance segn your nxxxm, However, If you paid fie en flew. BHlarhce afevwh Your Pm",- a stgen in full If Your new balance war a.. or a credit amhunU, new tra sectione which post to your purchase or special mr? m % a"" am not added to the dopy balances. We balances t nge daily balance by adding all the dally ogether end dvidho the sum by the ember of the days in the mrnera billing cycle. To cahalate your total enee large, multiply Ywr average daily balace by the daily periodc rote end by de umber of dsys in he b ling period. Due to rounding on a daily basis, there may be e slight will- bet- rids calaiation and the .moon of finance carge, aceragy assessed. b. If the code 2 or N appear on the front of this atatemwt next re 'Balance Rate Applied To," we, multiply the 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 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 clips, etc. when preparing your payment. PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 1705o-9ii6 Pay To The Order Of GaPltal(DW Richmond, VA Memo CAPITAL CONVENIENCE CHECK Cardholder 70039 68-677/510 200884 Date Expires o6/3o%3 $ soo.oo Dollars 11'4DD3911' i:0 5 1006 7 4W:71022027526250 An additional and easy way to access your account Use just like personal checks Don't wait! Your checks expire 06/30/03. Thank you for choosing CapitaloW Preferred Cardholder Customer Relations: (800) 903-3637 www.capitalone.com m Page 2 of 2 Enjoy greater flexibility with the attached Capital Convenience Checks RE: Your account number ending in 2625 PETER ISCARIOT, We consider you a Capital One' Preferred Cardholder. To show you our appreciation, here are two Capital Convenience Checks* for you to use any way you like. Why should I use Capital Convenience Checks? You'll enjoy easy access to your credit card account with your two convenience checks, which you can use for cash and at locations credit cards are not accepted. You'll notice that your first check is made payable to you. Deposit it into your bank account and use it like cash. The possibilities for the other check are endless-take a weekend getaway, buy new clothes or give as a gift-the choice is yours! These checks have the same APR, credit line and transaction fees as your cash advances. Just be sure the amount of your checks doesn't exceed your available cash credit line. We hope you'll find your checks an easy, convenient way to use your Capital One account. It's our way of saying thank you for being a Capital One Preferred Cardholder. Sincerely, /, 1p Robert M. Alexander( Senior Vice President, Capital One P.S. Don't delay! These Capital Convenience Checks expire 06/30/03. Take advantage of both of them today! *Please see the reverse for the terms and conditions of using these checks. 200884 CAPITAL CONVENIENCE CHECK PETER ISCARIOT 70040 073 GROUSE CT MECHANICSBURG PA 2705o-9ii6 68-677/510 200884 Date Expires 06130103 Pay To The Order Of CaPttal01'le' Richmond, VA Memo Cardholder SD Dollars 107004011' 1:0S 100 6 7 781:710220275262511' T M 0 9 D M m m m 0 O T O O M M O 0 M m 0 01 0 z MO M .4 mm < m 0m T' 0 U) Da a? Z O 0M ? to z z (D z 1 cm 03 ?r z c? N = m - * ur r z m Answers to your Capital Convenience Check questions Q. What interest rate will apply when I use my convenience checks? A: You will receive the same APR as you have on cash advances. Q: Is there a transaction fee? A: Yes, there is a transaction fee for using convenience checks. The fee is equal to your cash advance fee. Please see your account terms for fee information. Q. Where are convenience checks accepted? A: Convenience checks are accepted wherever you normally use your personal checks. You can even use them at locations that don't accept credit cards. Q. Will my convenience checks ever expire? A: Yes, the expiration date is printed at the top of each convenience check. So use them now for greater financial flexibility! m z 0 O M N m 2 m z M Q: Can I really use my convenience checks any way that I want? A: Yes, you can use your convenience checks for just about anything-whether you're shopping for new clothes, enjoying meals out or just want to have cash on hand. * Important information regarding your checks: A Convenience Check will be treated as a cash advance according to the current terms of your Customer Agreement and any amendments to it. However, it may not qualify for any rewards programs. The attached checks are subject to cash credit availability, so you must have the available cash credit on the day Capital One processes your check. Check acceptance is also subject to the current status of your account, and it 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. © 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. T m 0 D M N m m 03 O D t) O T O O m D O 9 m 9 m O O C) 40a1as 0 0 z 7)O M N M <a m -/ 0m O (n M s T i D ? z0 9M I m z 0 O a N X M 9 M Z Q (Z i M c m ?r z F C -? m = >F H r z M PETER ISCARIOT SPECIAL SAVINGS FOR CAPITAL ONE& CARDHOLDERS GET MORE BYTES FOR YOUR BUCK Switch to unlimited AT&T WorldnetO Service for only $19.95* a month. That's a savings of more than 15% over AOL@. Plus, your first month is FREE* Call 1 800 787-4800, ext. 46397 CapHaIOW =IKW or go to www.download.att.net(enrolle wroesu,your wwwn- W o r l d n e t 5719001 CapHaIOW" Account S Previous Balance 51,459.36 Payments, Credits and Adjustments $295.65 Transactions $1,504.76 Finance Charges $27.95 New Balance $2,696.42 Minimum Amount Due $80.00 Payment Due Date July 07, 2003 Total Credit Line $3,000 Total Available Credit $303.58 Credit Line for Cash $1,500 Available Credit for Cash $303.58 At your service To mll Customer Relations or to report a lost or stolen cud: 1-800-903-3637 For free online amount service and special automa offers, log on to: -eapitalonaoom Send payments to: Send inquaic to: Attn: Remittance Procasing Capital One Services Capital One Services P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Rid-nd, VA 23285-5015 0 m a N PLATINUM VISA ACCOUNT MAY 08 -JUN 07, 2003 4862-3622-0275-2625 Page 1 of 2 Payments, Credits and Adjustments 1 23 MAY CAPITAL ONE ONLINE ACH PAYMENT $200.00- 2 30 MAY BOSCOV'S #012 CREDIT 20.65- 3 31 MAY CAPITAL ONE ONLINE ACH PAYMENT 75.00- Transactions 4 o9 MAY GIANT FOOD STORE #263 ENOLA PA $104.34 5 09 MAY RITE AID STORE 4818 MECHANICSBURG PA 12.70 6 to MAY HAMPDEN CLEANERS MECHANICSBURG PA 9.90 7 to MAY GLANT FOOD STORE #263 ENOLA PA 21.19 8 10 MAY CLEAN SCENE DRYCLEANER CAMP HILL PA 10.76 9 11 MAY EVERGREEN CHINESE BUFF MECHANICSBURG PA 35.78 10 12 MAY GIANT FOOD STORE #263 ENOLA PA 47.15 11 12 MAY RITE AID STORE 3613 MECHANICSBURG PA 30.72 12 12 MAY RITE AID STORE 3613 MECHANICSBURG PA 52.98 13 13 MAY GIANT FOOD STORE #263 ENOLA PA 42.00 14 15 MAY GIANT FOOD STORE #263 ENOLA PA 41.74 15 16 MAY HESS 38285 CAMP HILL PA 17.01 16 17 MAY MWI*DATA COM 800-285-7080 NJ 21.14 17 17 MAY BOSCOV'S #012 CAMP HILL PA 24.66 18 19 MAY MAILBOXES ETC ENOLA ENOLA PA 50.84 19 20 MAY MWI*MAC WAREHOUSE 800-925-6227 NJ 150.68 20 20 MAY WAL MART MECHANICSBURG PA 33.64 21 20 MAY GIANT FOOD STORE #263 ENOLA PA 26.50 22 21 MAY GIANT FOOD STORE #263 ENOLA PA 33.85 23 21 MAY GIANT FOOD STORES #263 ENOLA PA 10.00 24 23 MAY JCPENNEY CO 2712 CAMP HILL PA 15.73 25 23 MAY GIANT FOOD STORE #263 ENOLA PA 53.75 26 24 MAY LOWE'S #405 MECHANICBURG PA 26.48 27 25 MAY KAG` INFO.KAGLCOM 510-420-5858 CA 20.00 28 25 MAY KMART 00042754 MECHANICSBURG PA 35.50 Futance Charges Pkase see reverse ride far imfortant information Bat afe Penodv Corrripand xg ??'A?'E? opplirdto rate ??ff I;riAK PURCHASES $1,808.11 .04082% 14.9096 $22.88 CASH $400.63 .04082% 14.90% $5.07 ANNUAL PERCENTAGE RATE applied this period 14.900/9 PLEASE RETURN PORTION BELOW WITH PAYMENT. Capitalow, 0000000 0 4862362202752625 07 2696420075000080008 New Balance $2,696.42 Minimum Amount Due $80.00 Payment Due Date July 07, 2003 Total enclosed $ Account Number: 4862-3622-0275-2625 Street Apt t Clry Ssu ZIP Home Ph- A ltemate Phone #9015956580575519# MAIL ID NUMBER Capital One Bank ° PETER ISCARIOT P.O. Box 85147 111uuullln1111t1t1 ti ;? 4173 GROUSE CT Richmond, VA 23276 MECHANICSBURG PA 17050-9116 lultlullttt1t11u?l?llulltnlltnl1tu11utlltullutlltul ° ? IudlluJlluultldluJJ?uullndldlnlJulJuulJ1 Pkare writeyour amount number onyour check m money order made,payable to Capital One Bank andm din the Zwedenvelrpe. Plemepnet 1,,ng adireu a-1w e-m d hangrsW wing bier orblark ink r GET UNLIMITED Switch to reliable, unlimited Internet access Sign up today. from AT&T. With the convenience and features you INTERNET ACCESS want, plus parental controls, personal Web pages, Call 1 800 787-4800, FROM AT&T FOR ONLY live customer support and more. All at a price that makes it one of the best bets on the Net, ext. 46397 or go to $19.95* A MONTH. ** download.att.netlenrolle www . Free anti-virus protection for your e-mail . • Free anti-spam screens out junk mail • Easy e-mail switching tools automatically a/?Hs1/Qy(Q, Cap"Q forward your e-mail to your new . w o r l d n¢ r haft Joyee, AT&T Worldnet mailbox' 'Telephone areas (including local, long distance a Boomed facility charges) and other charges and taxes may apply, even during the free month. Ores-month-free of AT&T Worldnet Service is available only to selected new AT&T wondne, Set— members and commences from the date of registration through an AT&T Wondn•t Service Live Agent Billing commences automm caly with your second month of service. Your first bill will not atleci a charge for your era-month-tree of service, but wig inolude charges [or your second month of service at the then-current rate (currently $19.95 per month) since AT&T Worldnet Service bills one month in advance. Other terms and conditions may apply. Offer subject to change without orrice. Offer expires 12/31/03. "Anti-virus feature a a free service to new AT&T Wordnet members. For more information, go to http:,/www.an.net/perks/protection 'In order to use the switching Idols feature you must keep your c.nrxn ISP active lot 30 days. 0 2003 AT&T. All Rights Reserved. AT&T Is sdely responsible for this Offer, and is not eHlimed with Capital One. Capital One dos not provide, endorse or guarantee and is not affiliated with any product or 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 communicating information about yourself to the company that provides this product - for exanhrie, that you are a Capital One customer. ® 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 O O N periodic rate. To obtain the average daily balance for the billing period covered by this statement, we take tho begirtrartg balance of each segment each daY, add any new traneacrare to each aegnent, and abtrectban any peYmahta or oredna. {It tho code N appears en the of this statement next to 'Balance Rate Applied To,' we also subtract any unpaid Imance charge included in the balance of each aegmnt.I This give s tho daily balance of each segnem. Then, yiw add up all the daily balances for each segment for the billing period and divide by the teal nmbar of days in its billing period. This gives s the average daily balance of each segment. 3. Annual Parortaa Rabe fAPRI• a. The term 'Annual Percentage Rate' may appear as 'APR' an the from of this satemmt. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of D. ah), or statement r?kto the rime) a polum on Itis broad Of AL RCEM1M AGE RATES this ate and cerreaporhdrg ANNU PE may comedy and may increase or decrease based en yhvastryated aloes, as food in The Wall Street Jouzal, plus the margin ppsefosly disclosed to you. Those dargea vdY faeffectve on the first day of your .'If, period do elf red by you periodic statement ending In the months Jaaary, April, July and October. c. If the code D (Primp), F 0-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) arnr an the from of your statement next to the Ceded. rate(s), tfa Cadet. ales and woes nil ANNUAL IP ENfAGE RATES may vary momNy and may increase or decrease based an the stated indices, as found in The Well Street Joamal, plus the margin previously disclosed to you. These changes will be effective on the first day of your billing period ch math. 4. Aassumru of Let•, OvrM* rd Raaanad Peyrwot Fsss. Your account will be assessed no more than tyro of the fees listed here that occur during any billing period. Under the terms of your customer agreement , yve reserve tM bight to waive or not to assess any fees vAthow prior notification to you without waiving our right to assess the same or similar ices at a later time. 5.7Rrt•vdrg Yet Aoooull. If a membership fee appeere on the from of this statement, you hove 30 days from the date this statement was mailed to You to avdd paying t 0 fee or to have such fee credted to you if you cancel your account. During this period, you may continue to use your account without haying to pay the membership fee. To camel your account, you meet notify us by calling our Customer Retailers Department and pay yyoor "New Balance- in full (e:judng tM memboxi, fe.) prior to the end of th hirty-day period. 0. If You case Year Aaesurt. Vou can request to .Fee yy oum by calling cur Cestomer Relations Odic moons. You must dstroy your credt card(s) and account access checks, send aIf preauherized billing, and cease sirup your accent. If you da net cancel preautherized bllitg anargements,.we will consider recdp of a doge your authorization to fcoppen your acedwm. Addtiaally, your accent wftf rat be dosed until you pay all amore you owe s indudirg: any transactions you have authorized, fimrxe charges, Pest due fees, oyedimtt fees, returned payment fees, cash advance fee, end any ahem fee' sesesaed to your accam. You ere reaprnalbie for these amounts Whether they appear an your accotm at the time you request to close the account or they am Incurred abaequtat in account. to your requem to close aros madea im at VO Ir account after you haw ch your account: if it Me already been dosed. For example, if you audharized a purchase from a merchant and we receive the transacden from the menclant after your cco nt has been closed- your adxeunt will be reopened, the amotrtt of the tlatge will ba addlc`d to you accent, and you Will be responsible fa paygonr If Therre is a membership fee for your account, the fee will commue, to be charged, to the extent pe-ad by law, urcI the atxant chance hs bean peld in hll as deflrod above. 7. Using Your Aamu t.Your card or account cannot be used In .mecum with any Memel gambling transactions, a. Notles Abort Eleaberic Chsdd Convarafon. When you pi a clack as payment, you authorize s either to use, information from you deck to make a one-time dectrotic fund transfer from you bank accoun or to process the payment as a deck trisection. When we use information from you deck to make an elector - fund transfer, funds may be withtkavn from your bank acCUratt as sum as the same day we receive our payment, and you will net receive your check yback flan your fire- (rarmu t n. BILLING RIGHTS SUMMARY (in Case 01 Enure Or Quesllars Abdul Your Bill) If you think you bill Is wrong, or it you mad more Interposition an a trarsacdm or btil, write to f. an a separate sheet as soon as possible at the address tot inquiries shown on the front of Ws staeement. We meet hear from you on later than 00 days after we sent you the first bill an which the error or problem appeared. You can call our Customer Relations number, but doing so will not preserve your rights. In your tenor, give s tho following ntarmatien: your name and account number, the dollar amount of tho suspected error, a description of the error end Fm e,V mZ" o'stble, of wiry you believe there is an error, or if more Imomtatim, a description of the item you are uuace about. You do not have to pay any amount in gusstlen wfite we are Invstigatin9't, but y- am still obigmed to pay the parts of Your bill that are rot in ducslfen. While we investigate your queml-, we cannot capon you as definquem or take any action to collect the amount you question. I,t Special Rule For Credit Card Purchases If you haye a problem With, the quality of property or seMces that you purdased with a credit card and you have tiled in good ialth ro corms the problem with ft merchant, you may how His rigitt rot to pay the remaining amount due an the property or services. You have this protection ony YAen the purchase pace was more than 550.00 and tM purchase was made to your home state or within 100 miles of your malting address. (if we own or Operate the merdam,=.- ailed you the advertisamem for tho y or seMos, all purdhess re covered regardesa of amount or location of purchase.) please remember to sigh all correspoderce. t Does mt apply to eorrswner non-credit card accounts S Does rat apply to business roc- Ira card occoents One support. Information privacy p,ofection: Free t in wwwfede. p.talons.com. One is a rally registered sartica mark of Capital ndal Corporation. All Fight, reserved. a 2003 Ors OiLGLBAK t a (iaoa Period. ycu will haw -a minimum grace period of 25 days without finance charge on new puudess, - balance tmrofors, new, special purchases and new unbar triangles if you pay your total 'New Balance', h cceMence with the Important: Nodre for payments below, and in time for it to be credned by your rata statement closing time. Thom ism grace period an rash advances and spsdal trarrefem. In addition, there is ro grace period raacrien if you do not pay the tool 'New ba,=p mwhich are not b. A ect st to Harts= tlvga. Tmosectlemer abblje a grace period ere amassed rr 2) from the charge 1) from the date of the ed tlen or 2) from the date the trersaction is processed to to you Accent a 3) from the first calendar day of the current: bilkg period. AA3daaily, if You bid rot pail the'New == e previos billing period h tip, finsrtce to Brame to your upald balance WI the unpaid balance is paid to full. Thin means that you ..UM owe finance Charges, even if you Pay Ihe •ndre === tad en the tram of your atetemem Ity tlosng rime, but did on, do ad for the prevlotls month. Unpaid chance Cho re" am added to ft appllrable eepnot of yi. Adx:ant. to. iAYirraen FYhrwe Chspa. Fa each dlNrg period that your aanutt is abfect m a Barra large, a miNrmm tool RNANCE CHARGE of $0.50 will ba Imposed. If the tool flrama dart; resuldnp from the an fi tan of ynar Period. rme(sl is less Item 50.50, we p subtract tlat amount from the $0.50 minimum and the difference will he Nllod to the purchase se?natt of you eckeunt. t d. Te parry Reduction 1 n Emma purge. We rserye the right to not assess any or all finance charges for any given billing pe'obi 2. Awage Daly Balrwe I wM?drrp New Purdheeesl. a. Fence charge is celalak tad 6y mJtiplying the daily balance of each sagmem of your account (e. g., cash advance, purchase, special transfer, and special p achosel by the cerreapadng daily Pmiodc rate(s) that bas been pmNady dsdosad to you. At Ube end of each dervy during the biting period, we apply the daily periodic ran Po Cach segment of your account ro the daily belanca of each segment. That at the end of the billing period, we add up dhe results of these doily calculations to arrive at your period. finance cltarge for salt segment. We add up the realu fran each segment to arrive at the total periodic finance large for your a-. To get the daily balance for each segnertt of your account, - take bite -"no bolantce for each segment and add any new trensacrias and any pedude finance large calalated en the previous days batteries for that sagnant. We than subtract any papnents a credit, paaaed as of that day flat am ailocmed to that _=Td agnat. TNa give us dhe separate doily balertce for each segment of your acmurm. However, If you pad tho New B'lartce shown an You<!x•viws staartrare in fill (or If your mw balance was zero or a credt amont), new, tranammons which post to your purdase a apedal purchase segnduhb are rot wiled to the daily balerhces. We calctiete the average daily balance by adding dl the daily balances ageder and dNdng the sun by the nariar of the days in the currall ling cy: To calculate your teal fine clarpe, ntuldply Ywuu average defy Hance Icy tho daflY perioic rote and by the nmber of days h the Willing pomodf. Due to rounding on a daily basis, there may be a •ilgitt vadartce between, tNe calaiaden and the amount of finance charge actually assessed. b. If the code Z or N anew on »s front of Ws amtunent next to 'Balance Rate Andied To,' we r uWV the 2491 OM 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 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 clips, etc. when preparing your payment. 999 CapitalOne® Your Credit Future Is In Your Hands what's in your wallet?- Capital One' wants to give you all the help we can in managing your finances. To make the most of your time and money, take the following steps to maintain your good credit. CHECK IT: Review your credit report at least once a year to check for errors or fraudulent activity. FIX IT: Contact the credit bureaus and credit card providers to correct mistakes on your credit report. USE IT: Demonstrate wise use of credit. Make purchases regularly and pay your account on time. WATCH IT: Maintain good credit by keeping your balance under the credit limit and pay your bills on time. CONTROL IT: Moderation is key. Don't max out your credit. 999-,10, CapitaloW Account Summary Previous Balance $1,459.36 Payments, Credits and Adjustments $295.65 Transactions $1,504.76 Finance Charges $27.95 New Balance $2,696.42 Minimum,kmoum Due $80.00 Payment Due Date July 07, 2003 Total Credit Line $3,000 Total Available Credit $303.58 Credit Line for Cash $1,500 Available Credit for Cash $303.58 At your service To call Customer Relations or to nport a lost or stolen card 1-800-903-3637 For free online account -e and special a tome offer, log on to: ww -pitalonemm Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Services CapitalOneSemi- P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 f 0 m a N PLATINUM VISA ACCOUNT MAY 08 -JUN 07, 2003 4862 -3622-0275- 2625 Paget of 2 29 26 MAY Adobe System` 800-677-2670 WA 323.25 30 30 MAY KMART 00091231 ENOLA PA 63.59 31 31 MAY GIANT FOOD STORE #263 ENOLA PA 128.27 32 31 MAY GIANT FOOD STORE #263 ENOLA PA 10.59 33 02 JUN MAILBOXES ETC ENOLA ENOLA PA 5.66 34 02 JUN KMART 00042754 MEC14ANICSBURG PA 5.36 35 07 JUN CAPITAL ONE MEMBER FEE 39.00 PLEASE RETURN PORTION BELOW WITH PAYMENT. CapitalOne` 0000000 0 4862362202752625 07 2696420075000080008 New Balance $2,696.42 Minimum Amount Due $80.00 Payment Due Date July 07, 2003 Total enclosed $ Account Number: 4862-3622-0275-2625 Capital One Bank P.O. Box 85147 Richmond, VA 23276 PI-p.inr mailing addrru and r-mailrAungrr beiwruringb! orblaA-L Street Apt # City S.. ZIP Home Phone AM-e Phone #9015956580575519# MAIL ID NUMBER PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 17050-9116 Plewe vviteyour -nt number on your check or money order made payable to Capital One Bank and nail in the enclosed envelope. Capital0ne® what's in your wallet?- The steps to maintain your good credit are provided by Capital One, In conlunttlon with Consumer Action (www.consumerauion.org). ® =oor Capital One Services, Inc Capital One is a federally registered service mark. All rights reserved. 24910M 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 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 clips, etc. when preparing your payment. First 3 months half-price It $ 97'* 4 a month; $9.951mo. thereafter SIGN UP TODAY1 ' 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral CapitaloW, Account S Previous Balance $2,696.42 Payments, Credits and Adjustments $116.94 Transactions $.00 Finance Charges $30.07 New Balance $2,309.55 Minimum Amount Due $69.00 Payment Due Date August 07, 2003 Total Credit Line $3,000 Total Available Credit $690.45 Credit Line for Cash $1,500 Available Credit for Cash $690.45 At your service To nu Csstomer Relations or to report a It or stolen card 1-SN-903-3637 Send pays u to. Smd inquiries to; Attn: Remittance Processing Capital One Services Capital One Service P.O. Box $5147 P.O. Box 85015 Richmond, VA 23276 Richmond VA 23285-5015 peoplep- online *,? A better 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 Blockerlm Spam Controls c Smart Dialer Phisher Security Internet Call Waiting PLATINUM VISA ACCOUNT 4862-3622-0275-2625 JUN 08 - JUL 07, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 16 JUN Adobe System` CREDIT $316.94- 2 of JUL CAPITAL ONE ONLINE ACH PAYMENT 100.00- Finance Charges Pleareree remeuesidefor important information c??v Bdannrate Period CrrerPRdmg WE app&dto rat E PURCHASES $2,096.98 .0408296 14.90% $15.68 CASH $358.67 .0408296 14.90% $4.39 ANNUAL PERCENTAGE RATE applied this period 14.9Wo PLEASE RETURN PORTION BELOW WITH PAYMENT. CaWtalGw 0000000 0 4862362202752625 07 2309550100000069005 New Balance $2,309.55 Minimum Amount Due $69.00 Payment Due Date August 07, 2003 Total enclosed E Account Number: 4862-3622-0275-2625 Ptrarepnnt mailing addrrrs and r-ma?ldmrsgrr be( ssringbiur orblaaE ?rzk str«t Apt q City Srate ZIP Home Phone A11-- Phone j #9018956580575516# MAIL ID NUMBER Capital One Bank s PETER ISCARIOT P.0. Box 85147 11111111 1111111111111 1 4173 GROUSE CT Richmond, VA 23276 t` r MECHANICSBURG PA 17050-9116 111111,11111,1111111111111111111111111111111111111111111111111 ? 11111111111111111111111111111111111111111111111111111111,11111 Pleas write your auount number m your checi or money order made payable to CapitaI One Bank and -11 x du mclaredern elope r peoplepu online A better way to Internet UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.conVgo/coral t a. rlr... Period. you will h-aw a. minimum grace period of 25 cloys without financce large on new purchimm, how balarxr transfers, nets special purchi and new other charges if you pay your tad 'clew Balance-, in a-dolanoe with the lofiertant Notice for Payment below, and iod Olh raen solve aoamg tame. I M. rs -91- special Warders. n addition, there b ro grace on any tfersa.-tion if you do not pay the total 'Naw 8 O ro 0 O N PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or 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 communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer, 'PeoplePC Online?FiYSt3 fajtlsSaP?6e a billed at $4.9) a month; $9.95 a month thereafter. Offer available to new deliup 3ubg)$tg IJtIJf iaCTB years of age and may not be redeemed with any other offer. Offer subject toMb?eA1?11IRdff_P K lGh?Vu PISavailable for $1.95 per minute. For questions, call toll-free at 1-888-5TRYNOW. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone loll charges may apply, even during trial periods. You are responsible for determining 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-up numbers may be changed at PeoplePC's discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc, All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. rpetiock rate. To obtain the average daily balance for the .of period covered by this statement, we take the begirsrg balance of each mgmem each day, add any now transacaaq to each segment, and subtract any payments or credits. (If the code N apprises an the from of this statemem next to 'Balance Rate Applied To; =aim subtract any unpaid finance large irdudetl in the balance of each segmem.) TN. gives us the dally balance of each segne n. Then, we add up all the daily balances for each segment for the billing period and divide by the total number of days In the billing period. This gives us the average dally balance of each -Wont. 3. And Prar[ps Ratas (APRI. a. The team 'Annual Percentage Rate' may appear as 'APR' on the frail of Wa statement, b. If the code P (Prime), L (3-mo, LIBOR), C (Certificate of Deposit), o S (Bankcard Prime) appears on the from of this natemaft next to the periodic metal, the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the acted indices, as faun in The Wall Street Jour", plus the margin D,wvio urty disdosed to you. These c ar?gea will be aNactive on the Hest day of your billing period cawfed by your pedodc statement erring In the months January, April, July and October. c. If the code D (Prime), F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appeal on the tram of your statement next to the pedodc rate(s), the partook rates and correspandrq ANNUAL PERCENTAGE RATES may IN montldy and may increase or decease based on the stated indices, as found in The Welt Street Journa/, plus the margin previously declosed to you. These ranges will be effective on the first day of your billing period each month. 4. Assasrmrd of Lat., Ovr%.* rd Rehrrhad Peyme t Feas. Your accent will be assessed no more than two of the fees listed here that occur during any billing period. Under the terms of your custaner agreement, serve the right to for waive or not to assess any fees without p netiflcation to you without waiving our right to assess the same or similar fees at a later time. 5.tRars wring You Amount. If a membership fee appears an the front of W. statement, you have 30 days from the date this statement was mailed to You to avoid =the fee or to have such fee credited to you if you cancel your accent. During this period, you may continue to use Your accent without having to pay the membership fee. To can your accent, youpamustnm n notify urns by calling our &e.=rr R.ledons Detcm and pay yyoour "New Balance' in full (axdudrg the meonbeuhip fee) prior to the and of the thirty-day period. B. If Y- CIA.. You Auaaurd. You can request to dose your account by calling our Customer Relations Depenmont. You most leatroy your credit cAld(a) end accent access checks, caned all prea.ahedze bflHng, and cease using your accost. If you do net cancel prrear r ee charge arrangements, we will consider Your authorization to reopen your accent. Additionally, your account will not he dosed until you pay all amonta you awe us including: any transaction you have euhorized, finanee charges, past due fees, ownimit fees, returned payment tees, cash advance fees and any other fees assessed to your s I. You am responsible for these amorrna whether they appear on your see- at the time you request to close the account or they Am Incurred subsequent to yes request to tore the accoknt. TN. may react in charges appearing an your account after you have your accent if it has already peen dosed. For example, if you authorized a purchase from a mercha end we receive the transaction from the merchant after you accent has been dosed, Your accost[ wig be raaperad, the amours of the charge will be added to your accam, and will be r.spo Bible for payment. If there is A membership foo for your accent, to ice will continue to be Barged, to the a user permitted by law, until the atxxnrtt balance hen bean paid in fill as defined above. 7. Using You Aaamnt.Your cad or a-t cannot be used in connec lm with, Any htemet gambling tra mictions. S. Mail.. Ahatat El..hard. CM.k 0aim n tin. When you provide a deck as paymont, you auhodze us either to tae information fton you deck to make a oil-time eloo mric find transfer from ytxr bank aooont or to process the payment as a chock transaction. When we use information from your Beek to make an dactmric find transfer, funds may be withdrawn front your hank account as seen as tie same day vie recalve, your peyman, and you will not receive your check back from your financial institution. BILLING RIGHTS SUMMARY (In Case Of Firers uh Ouadors About Your Son If you think your bill Is wrong, or if you need more information on a tranaaction or bill, write to us on a separate sheet as soon as posaid at the Address for InWries shown on the front of this statonem. We must hear from you no later than e0 days after we sons you the first big orwhich the error or probhan appeared. you can .all our Customer Rderiona number, but ddrg so will net preserve your right.. In your loner, give us the following fnromadon: your name and accent number, the dollar amount of the strs)acted error, a description of the enter and an explanation, if possible, of why you believe there is an error; or If you need rams )nfomhatim, a description of the item you are unaure about. Vou do rot have m pay any emoun In question while vve are investigating it, but you Are ado obligated to pay the pans o1 yax bill that are not In quesaon. While we inveetigeee your quootion, we carrot report you as delingaont or fair any action to collect the arrant you que idon. t,t Special Rule For Credit Card Purchases If you have a problem with the quality of property or ac=a that you purchased with a credit card and you lave tried In good faith to coned the probleun with tie merchant, you may have the right cwt to pay the remaining amount due an the p try a services. You have this protection only whan tM Purchase price was more than 450.00 and the purchase wee med. in your home state or within 100 miles cf your mailing address. (If we own or operate its merchant, or if we milled you the adWrtiamem for the prapetty or services, all purchases are covered regardess of arrant or location of purchase.) Please remember to sgh all correspondence. t Does not apply to consumer ran-cradit cad accounts f Do- net apply to business man-credit tend oc-.t. one stpporta intomution privacy protection: aria our at www.nap talone.com. one I. a lederegy registered service mark of Capital ancal Corporation. All rights reserved. a 2003 b. Aa-ol; Fare. [ring.. Tramectias wfilh are net argec to a gm- period are emwoml finance charge 1) flan the date of the transaction or 21 train the date the tro saedon is processed to you Accom m 3) from the Rs[ calendar day of the arrant billing priced. Additionally, f You old not pay the 'thew ad. from the previou bigito period in fill, finance charges cumin ue to accrue to your upend balance until the unpaid balance is paid in full. Thia means that you mayy still owe finance, charges, even if You ray the ardm New Bsance fndce[ed on the from of your statement by the how statement cooing date, but old not do sod ffor the previous month. Unpaid finance charges t c. MFirsan 1'hunoA Chrg.. I. each ill) moped t total Fa11A)1CE CHARGE of $0a?e charge, a mMmun Imposed. he total finances, large ate than $from the will subtract of f yyeoctu periods rate(s) is lase then 40.50, we will retract thatr amen from he 40.50 minimum and the difference, will be billed to the pudaae aegnen of your steers. t? d. T.npory Redu.ttsn rat Flnarto. Quills. We reserve the right to rot seems, any or all q-- charges for any given bill ppaeced. 2. Avrag. Ddy Balm. Ih?Yaiq N.w Puahasal• a. Finance charge is celalated y multiplying the miry balarco of men segment: of your account (e.g., cash advance, purchase, special transfer, and special purchase) by the comesPadng daily periodic rate(s) that has beat previously disclosed to you. At the and of each des during the Using paned, we apply the daily periodic rate for each segment of yea Accost to the dally bAlrux of each segment. Than At the end of the bBkrg period. we add up the reacts of them daily calcletios to arrive at your pedode, firoru a charge for each segment. We add up the results cftam each harge fafse(gnens to arrive at tta total pomade fo ooh segment occount. To got the daily balance fA r you Account, we use the baginvrtg balance for each eegnerht and add any raw trareacfos And any peAn finance charge calculated an the previous days basics for ,tat seoten. We tram subtract rimy pay.- or credits posted As of cat day that em albcatod [o that sognum. TNS gives u the avatars doily balance thaw Balarhce shown you r Acconm. However, if You paid the your pro ow statement In fill (or It your new balance was zero or A creel[ anon), maw transactions which pas[ to your purdase or special purchase, sagneftd em rot added to the dr7y helahooo. We calculate the avenge daily balance by adding all tie daily balances mgetler And dividing the sun by the number of the days in the current tinging cycle. To calculate your total finance, charge, multiply your average dally balance by the dally periodic rate and by the nmber of deya in the billing period. to rourAV an a daily boss, there maybe a slight valance between this calculation and the amours, of flnence serge axually assessed. b. 11 the ode 2 or N appears on the from of this statement next to 'Balance Rate Applied To,' we ro ltply the 23772M 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 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 clips, etc. when preparing your payment. First 3 months half-price 7 • 4 a month; $9.95/mo. thereafter SIGN UP TODAY! 1-877-778-1207 220275 25 Mention Offer Code: JADE Or visit www.peoplepc.com/go/jade Capital o , PLATINUM VISA ACCOUNT 4862-3622-0275-2625 Account Summary Previous Balance $2,309.55 Payments, Credits and Adjustments $150.00 Transactions $36.53 Finance Charges $29.46 JUL 08 - AUG 07, 2003 Page 1 of 1 Payments Credits and Adjustments 1 31 JUL ELECTRONIC PAYMENT $75.00- 2 04 AUG CAPITAL ONE ONLINE ACH PAYMENT 75.00- Transactions New Balance $2,225.54 3 11 JUL BARNES &NOBLE 82046 HARRISBURG PA Minimum Amount Due $66.00 Payment Due Date September 06, 2003 Total Credit Line $3,000 Total Available Credit $774.46 Credit Line for Cash $1,500 Available Credit for Cash $774.46 At your service To m11 Customer Relations or to report a lost or stolen card: 1-800-903-3637 Send Poyrn.4 to: Send inquiries to. Attn: R-ttanoe Processing Capital One Service Capital One S-1- P.O. Box 85147 P.O. B. $5015 Richmond, VA 232?6 Richmond, VA 232&S-5015 Important Account Information Did You Know? Capital One offers more than just credit card products. With more than 47 million accounts, Capital One provides valuable financial solutions- including auto loans, personal loans, CDs, money market accounts and more- to one out of every three homes in the U.S. $36.53 Finance Charges Plaue tee reverm side for important information Bd-,,de periodv d-g Correr ME app Jfo rate pR n PURCHASES $1,977.13 .04082% 14.90% $15.02 CASH $350.62 .04082% 14.90% $4.44 ANNUAL PERCENTAGE RATE applied this period 14.90% T PLEASE RETURN PORTION BELOW WITH PAYMENT. T Capftal()/Wa 0000000 0 4862362202752625 07 2225540075000066001 New Balance $2,225.54 Minimum Amount Due $66.00 Payment Due Date September 06, 2003 Total enclosed $ Account Number: 4862-3622-0275-2625 9-t Apt 4 City Sou ZIP Home Ph- Alter.... Pbone #9022056580575519# MAIL ID NUMBER Capital One Bank PETER IT P.O. Box 85147 ???nurlr lr?u??r?n? 4173 GROOUSE USE C CT Richmond, VA 23276 MECHANICSBURG PA 17050-9116 Pleare roriteyow -nt number anyow check or monry order madepayable to Capital One Bank and mail in the endwedenw1ope. P/emeprmt mailing-7,hyz md/w rm dehnrgesW -V bdw orb-kink peoplepu online u A better 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 la Pop-Up BlockerTM Spam Controls Smart Dialer PETER ISCARIOT Ph1s3 r3MftE CT MaQf4$,t1JQ$%NN PA 17050-9116 r peoplepcra online U A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAYI 1-877-778-1207 Mention Offer Code: JADE Or visit www.peoplepc.com/gofjade PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or 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 communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeopIaPC 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 offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1-877.778-1207. Service not available in all areas. Access fees, taxes, and other tees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining 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-up numbers may be changed at PeoplePCs discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 O i O rL M O 0 O N 1. How To Avoid A Fnrae taurge. ta. trees Padod. You will bave a minlmhnt grace period of 25 days without finance large on now purchases, new balance transfers, new special purchases and new other charges if you pay your total -New Balance', in accordance with the Important Notice for payments below, and in time, for it to be credited tey your ran statement dosing claw. Them is no grace period on man advances and special trxafwrs. In addition, them is no grace period If you do not pay the teal -New Many _7 bsiahce.' ' b. Aertihi Firwe charge. Transactions vdidm are rot abjoa m a grace period are assessed fiance large 1) tram tle date of dhe trraecuon or 2) from the date the transaction is processed to your Amount or 3) from the first calendar day of the current ball period. Additionally, if you did rot pay the 'New Balance from, the previous binrg Period let full, finance charges continue m accrue to your Luis, bsiahce until the unpaid balance is paid in full. This means that you may adl owe finance charges, even if you pay the entire New Balance indicated on the friers, of your statement by the ran statement dosing dam, hurt did not do W for the preNas marsh Unpaid finance tlarges am added to the sppYceblw segttod of yar Axant. t c. MI.- Fkhr- CJrye For each NINmg pedwd that your accent Is subject to a flrio ce large, a mktn- told RNANCE CHARGE of 80.50 will ba ,posed. R the [asi fltance large realtlnp from the katlon of your periodic rate(s) is hem than 80.50, we g streamer that amour fan the 80.50 minimum and the differanee wig be billed to the purchase segment of your account. td. TTrideylnsper y Rdueliah in s Charge. We reserve the 2. Av`aW OW?Balrheelnaosr?arNflgra?tor any even a. Finance large is calculated by mhlaplying the daily balance of men segment of your ac co rtt (e.g., rash dvaee, Purchase, Wedal trarefer, and apecial pundam) by the rnrtespwMng My periodic rate(s) that has been previously disdasd to you. At the end of each ley d nrf the blgkg period, we apply the =y period. rate for wads segment of your account to the deNy balance of each aegnern. Than at the end of the fling period, we add up the results of dam deny calc latione to ardor at periodic fnance charge for each segment. we odd up tM realrs from mch ahanen LO amw et the total periodic finance large for your accost. To gat the daily balance for each segment of your aecent, we take the beginning balance for mdse Fro m nt and add erry new tranmctiors and any periodic ararce charge mlalad on the previo s day's balance for that segment. We then s btmct any payments or credits posted m of that day cat am allocated to that segment. This gives is the separate dolly balance for each segment of your accent. However, if you paid the New Balance shown on your previous statement in fill (or if your new balance won zem or a credit amount), new transacdore which post to your purchase or spacial purchase segments are not added to the deny balances. We cakalae the averege daily balance by adding all the daily balances togatier and diwdirg the sun by the number of its days in the current bi" cycle. To mlc lam your total finance charge, multiply your average daily balance by the dally periodic ram and by the number of days in the billing period. Due to rounding on a daily basis, there may be a sibs variance between this celatlatim and the amount of flnerce large actually r moseed. b. If the code Z or N appears on the fiant of this vataneM next to "Balance. Rate Applied To," we "Ply the rperiodc rate. To obtain the average daily balance for the billing Period covered by this statement, we take the begimrng balance of each segment each day, add any new transactions to each segment, and subtract any payments or credits. (If the code N appears on the tram of this statement next to 'Balance Rate Applied To,' we also attract arty unpaid finance charge included in the balance of each gmeitt.) This gives us the daily balance of each segment. Than, we add up all the daily balances for each segment for the blllkg ppeeclod and divide by the total number of days in the filling period. This gloms us the average daily balance of each segment. 3. Annual Prongs Rate CAPRI. a. The tenn 'Annual Percentage Rate' may appear as 'APR' on the front of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of iths statement next to the Pedodc Calais), yththe e p f Of en'adc rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the stated idiots, as fond in The Wall Street Jownsf, plus the margin pPreviously disclosed to you. These chat wit be effective on the first day of your filling pedal covered by your periodic statement ending In the months January, April, July ant October. c. If the code D (Prime), r 0-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) =Ira on the front of your statement next a the pedodc rate(s), the periodic rate,, and crineeponing ANNUAL PERCENTAGE RATES may vary montNy and ,ray increase or deerease based on the steed indcee, ss fount in The We, street Jaunel, pits the margin previously disclosed to you. These changes will be effective on the first day of your filling period each mash. 4. Assearrar : of Late, Owitnk and Rmand Paymrt Fee. Your accent will be weaved no more than two of the fees lived here that occur during any billing period. Under the terns of your customer agreement, we reserve the right to waive or not to assent any fees without p notification to you without waving our right to assess the same or similar fees at a later time. 5.tRerhewFnp Your Aooaat. If a membership fee appears en the front of this statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to haw such fee credited to you if you cancel your accent. During this period, you may continue to use your accent without having to Pay the membership fee. To cancel your account, you must notify us by calling our Customer Relations Department and pay yyour'New Balance' in full (excluding the memberaFJp fee) prior to the and of the thirty-day Period. 6. It Ym Cow Your Accent. You can request to dose Zaccount by calling our Customer Relations nment. You must destroy your credit card(s) and accent access checks, camel all preaothorized billing, and cease using your account. If you do rot cancel preauthorized filling arrangements, we will consider receipt of a charge your authorization to reopen your account. Additionally, your account will not be closed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, past clue face, owrlimit fees, returned payment fees, cash advanca lees and any other fees assessed to your accent. You are responsible for these amounts whether they appear on your account at the time you request to close the accent or they are incurred subsequent to your request to dose the account. This may result in charges appearing on your accent after you haw your y'ou authorized a Wrdase from a merchant and we raxive the tmrsacdon from the merchant after your cco nt has been dosed, your account will be recpered, the amount of the charge will be added to your accost, and yyoouu wig be responsible for payment. If there is a rnemherstmip fee for your accerr, the fee will contins m be charged, to the enorc permitted bylaw, uran the account balance has been paid in fill as defined above. 7. Uaig Your Avioun .Your card Of accent caonm be used in connection with any kmernet gambling trasacdos. 8. Notlee About neatron& Cook Com-iibn. When you provide a clack as payment, you aubodze us either w use information from your clack to make a ore-time electronic fund transfer from your bank accoux a to process the payment as a deck transaction. When we use information from your deck to make an electronic fud transfer, fuMS may be withdrawn from Your bank aceer, as soon as the same day we receive yar payment, and You wN not receive Your check beck from your finenciel F.Fleudon. BILLING RIGHTS SUMMARY (In Case Of Erom Or Guestions About Your Bill) If you think your bill is vacng, or If you need ,nom information on a trareaction or bill, wthe to us on a separate sleet as sent as possible at the address for ngWries shown on the from of the stemmem. We must hear tram you no later than 60 dayyss after we sett you the first fill on which the error or problem appeared. YOU can call Our Customer Relations number, but doing an will not Preserve your rights. In your letter, give us the foliovani) nbrrner on: your name and amount number, the dollar amount of the suspected error, a description of the error and an eeplanation, if possible, of why you believe them is an error; or 11 you need more Information, a descdpl(m of the hem you are urmareewe a abort. Vw do not haw to pay any amount in qumewlOn whare Invew9ming it, but you are will Obllgatad to pay the parts of your bill that are rot in question. While we invests to your question, we ran et report you as delinquent or t lee any action to collect the amount you question. t,t Special Rule For Credit Card Purchases If you haw a problem with the quality of property or wrAms that you purchased vAth a credit cam and you have tried in good faith to correct the problem with the merchant, you may haw the riyn not to pay the remaking amount due on the pr ny or services. You have this protection only when the purchase price was more than 850.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases am covered regardless of amount or location of purchase.) Please remember to sigh all correspondence. t Does rat apply to consumer non-credit card accounts t Does not apply to business Hal-credit card accounts One supports information privacy protection: see our el wwnv.cagtaluxe.oxxn. One is a federally reeggwand service mark of Capital 'al Coryorstion. FUI rigMa rewrved. a 2003 One 01LGLBAK 15792M 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 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 clips, etc. when preparing your payment. First 3 months half-price Ole V a month; 4 7 $9.95/mo. thereafter' SIGN UP TODAY] ' 1-877-778-1207 Mention Offer Code: ONYX Or visit www.peoplepc.com/go/onyx CapitallQwe Account Summ Previous Balance $2,225.54 Payments, Credits and Adjustments $66.00 Transactions 5.00 Finance Charges $2820 New Balance $2,187.74 Minimum Amount Due $65.00 Payment Due Date October 07, 2003 Total Credit Line $3,000 Total Available Credit $812.26 Credit Line for Cash $1,500 Available Credit for Cash $812.26 At your service T. eall Customer Relations or to sport a lost or stolen nrd: 1-800-903-3637 Scud payments to: Send in pid. to: Attn: Remittance Proe mg Capital One Services Capital One Sere _ P.O. B. 85147 P.O. B. 85015 Richmond, V.A 23276 Richmond, VA 23285-5015 lmvortant Account Information Capital One is a pprroud sponsor of the 55th Annual Primethme Emmy Awards Telecast. Tune in Sunday, September 21st on FOX from 8-11 p.m. ET (7-10 p.m. CT) to see the talent you've enjoyed during the past season unite to celebrate another year of groundbreaking work in television. Capital One wants you to be a part of the excitement! Check out Capital One's ad in the September 12th issue of People Magazine or visit redcazpetweekend.com for more details. PLATINUM VISA ACCOUNT 4862-3622-0275-2625 AUG 08 - SEP 07, 2003 Page 1 of 1 Payments Credits and Adjustments 1 03 SEP CAPITAL ONE ONLINE ACH PAYMENT $66.00- Families EARNING INCOMES UP TO $36,000 per year or more may be eligible for low-cost or free health care coverage FOR THEIR UNINSURED CHILDREN. If you or someone you know has a child without health insurance, call Loll free 1-877-KIDS-NOW for information about the low-cost or free health care coverage programs in your state. Finance Charges Please see reverse side for important information Bal. ufr Per Cove,ding MR& APR l;ri appfrdta e r ate PURCHASES $1,893.66 .04082% 14.90% $23.96 CASH $334.90 .04082% 14.90% $4.24 ANNUAL PERCENTAGE RATE applied this period 14,90% PLEASE RETURN PORTION BELOW WITH PAYMENT. how, 0000000 0 4862362202752625 07 2187740066000065005 New Balance $2,187.74 Minimum Amount Due $65.00 Payment Due Date October 07, 2003 Total enclosed $ Account Number: 4862-3622-0275-2625 Street Apt t cky Stau ZIP Home PMne Alternate Phone #9025056580575516# MAIL ID NUMBER Capital One Bank PETER ISCARIOT P.O. Box 85147 4173 GROUSE CT m MECHANICSBURG PA 17050-9116 Richmond, VA 23276 m Pleare write your account number on your check m money order made payable to Capital One Bank and wail in the enclxed envelope. Plemepnntmad, ngaJJmss-' -ulr! rsgerbe! a-,Au b! kink 003 peoplepu online u A better 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" c9(!?7 Spam Controls t Smart Dialer Phisher Security Internet Call Waiting r peoplepu online *_? A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAYI 1-877-778-1207 Mention Offer Code: ONYX Or visit www.peoplepc.convgo/onyx 8 O m o N PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or 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 communicating information about yourself 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 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 offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll free at 1-877-778.1207. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining 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-up numbers may be changed at PeoplePC's discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. pe'odic rate. To obtain the average daily balance ton tho tilling period --red by thla statement we mks the hegimng baance of each segment each day, add any now transactions to arch 9Cgmmt, and subtract any payments or credits. ilf the code N appears m the front of this statement next To 'Balance Rate Applied To,- we also subtract any unpaid finance Carge included in The balance of each se elf.) This gives us the daily balance of each segment. Thera we add tp all the daily balances for each segment for the billing period and divide by the total number of daya M the billing period. This gives ens the wrage daily balance of eech segment. 3. Aid Paraaitaga Batas IAPRI• e. The term 'Annual Percentage Rate' may appear as 'APR' on the front of this eatement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of this statement (next kto the Periodic fi fiftefs), tthe front he Periodic rates and conespo ndng ANNUAL PERCENTAGE RATES may very quarterly and may increase or decrease based the oared indices, as mound in TAO Wall Street Jormet, pus the margin p? viosly dsdo led m You. These dsnaea will d effective an the first day of your bluing period covered by your pedellc statement ehdng in the months January, April, July and October. c. If the code D (Prime), F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) apps the fret of your statement next to =6 odc rale(a), the periodic rates act cerreSPOrKh AL PERCENTAGE RATES may vary monthly and may increase or decrease based on the anted indices, as found in The Wall Street J-11 pus the margin pmviousrly dadosed to you. Those changes will be ef4ecbve on the first day of your tilling period each month. 4. Aaarreet of Leta, Overenlt well Returned Perynurt Fees. your accent will be assessed no more than two of the tees listed hem that occur during any filling period. Under the terms of your customer agreemem, eservo the right to waive OF not to assess any fees without prior ratification to you without waiving our tight to aaseas the same or similar tees at a later time. 6.tltasawAhe Your Aemunt. If a membership fee appears m the from of tint=" you have 30 days (ram the date this statement was mailed to you to avoid paying the fee or to have such fee credited to You if YOU cancel your amount. During this period, you may continue to use your account without having to Pay the membership fee. To cancel your accent, YOU must notify tae by calling our Customer Relations Department and pay your 'Now balance' in fell (excluding the membership fee) prior to the end of the thirty-day period. 6. N Ym class You Amount. You can request to dose Zaccount by calling ter Customer Relations rtmont. YOU meet destroy your credit card(s) and account access checks, cancel all preaunh dzed billion, .9 your account. If you do rat cancel and cases train preauthorized billing arrangements, we will consider receipt of a large your aahorizaim to raopm y r cunt. Additionally , your account will rot he cM until you pow all amoonta you owe us including: any transactions you have authorized, finance charges, past due tees, overlimit tees, returned payment tees, cash advance tees elf any other i-a assessed to your .--I. You are resP=. for these amounts whether they appear on your account at the time you request to close the accent or they am Incurred subsequent to oarrequ st to close the accournat. his may heave in g appearing on your account after _ YOU . your accent if it has already been dosed. For example, if you authorized a Purchase from a mama aitt and wo receive the transaction from the merchant after your accent has been dosed, your accent will be reopened, the amour of the large will he added to you accent, and you win be responsible for payment. If there is a membership tee for your accent, the fee will Continue m be Barged, to the extent pemtittod by law, anal the a- ballots hoe been paid In all as donned above. 7. =Y Aoaeud.Your card or account comet be n mrccctkn with any Internet gambling transactors. 8. Noeoa About Eleat ais Chaak Odwrsion. When you provide a check as payment, you authorize us either to use information from your Check to make a one-time oketrotc fad transfer frail you bank accourtt or to - informatiionfifmn your Check to make an Cectranic fund transfer, furls may be widdmwn from your bell, same cl we receive r account as soon as the payment, and you will rot receive War Check beck from your frandal institution. BILLING RIGHTS SUMMARY (In Case Of Enos Or Questions Abed Your Bill) Ii you thlnk your bill Is wrong, or if you need more information o a tramar ctfon o bill, write fo us on a separate sheet as seen as possible at the address for 'nhquities shown on the from of this statement. We must hear from you m later than 60 days after we rem you the first bin on which the error or problem appeared. YOU ran Call our Customer Relations number, but doing W will rot preserve your rights. in you letter, give :' the fallowing inormatim: your rime aM account marc, the (letter amount of the suspected error, a description of the anon and an ehplanation, if possible, of why you believe there is an error; or if you reed mom information, a description of the hem you am (nouns abort. You do net have m pay any amass In question whoa we are Investigating it, but you are sill obligated to pay the pans of your bill that are not e m. WNa we MveataIQa?to your quea6o, we cantor ?report your as delinquent or take any scum to Idled the amount you geation. t,t Special Rule For Credit Card Purchases if you have a problem with the quality of property or aeMces that you p?MaaM with a credit card and you have film In goon tahh 10 COnecf 1ha proben with the merchant, you may have the right not to pay the remaining amount due on the property or aeMcea. You have this protection only when the purchase pace was mom than $50.00 and the purchase was made in your home state or within 100 miles of your maikV address. (If we awn or operate the merchant , or if ws mailed you the advertisement or the property or seMces, all rx.mbeses are covered regardless of amount or location of purchase.) Please remanber to sigh all correspondence. t Does not apply to consrmer -wit card accounts t Does rot apply to business ran-umrt cad accounts One s ppone information Privacy protection: sae our at wwn.captelone.com. Ora is a federally rapp'??red service mark of Capital andal Coryoration. Pll ngins reserved. a 2003 Ors 01LGL84K to (tiara Priori. Vm will ha e mirimun grace period of 25 days widaca fist- Charge on new, ppurchases, new balance transfers, raw, sPedel Purdhests act new other charge if you, pay your total 'New Balance', in accordance with the Important Notice for payments below, and in time for it to be credmd by your To. statement dosing diem. Them is ns grace period an cash advarhrra act spedaI transfers. In addition, them is rho grace period an any trareactim If you do rot pay the tael . New barrce.- b. Aaauig F e Charge. Tlarsaccios which are not rnt m e sassed fln ice he 11 frmh de let of ore t action or 2) from the date lie transaction I. preermsed to yen Amount er 3) from the firm Calendar day of the errant billing cod. Additionally, if you rid not pay the 'New Balance- from the preview biting period in full, flnarhes Barges continue to accrue to your unpaid balance until the unpaid balance is paid in fill. This metes that you mayy? sti1 owe franca Charges, even if you pay the entire New Belarice indicated on the from of your staternont by the nsn aretonox closing date, but did not: do so for the prevlou re marnh. Unpaid flrance Charges, added m the applicable "Ifir"tt of your Amour' t c. kikinrasou Fi - Chases. For each billing period that your account is abject to a fire nee Charge, a miNmutr tooI RNANCE CHARGE of $0.50 WIN be knposel If the teal finance charge realdng from the application of your periodic rate(s) is lees than $0.50, we will subtract that amount from the $0.50 minimum and the dfferen , will be billed to the purchase ae?ht of your aceht. td. T?rpaery Ntl+alion In Fivwa Chaser. We resent the W to not a any or eta finance dsrges for any given brlkng period 2. Awses Daly ealasaa Ileake is New Purdassel. a. Rnsnce charge Is calculated y multiplying the daily balance of each segment of your errourtt (e.g., rash dvance, purdaase, spatial treater, ad special Purchase) by the certasporhding daily Periodic rem(a) that her been previously dadosed to you. At the elf of erdh dayy durng the billing period, wo apply do daily periodic ram for each reenact of your arxartt m the drily belarhce of eadm sreprhent. Tian at the act of the Mine period, we V. up that mama of dreaB daily -Ic latiors to arrive a your periodic finance cmerpe for each segnet. We add up the resuln from each segment to arrive a oho total periodic finance Cargo for you account. To got the daily balance for each segmet of your acearht, we take the beginning balance for each segment and add any new, transactions and any dodo rysnce charge calculated an the previo s data for that segment. We than ahamer any paymmm or credits postm as of that day that am allocated to that segment. This gives us the separate daily balance for each segment of your account. However, if you paid the New Balance shown an your parylous statement In fiN (or If you now balance was zem or a credit anous), new transactions, which post to your purchase or special panders segnets ere not added to the daily balances. We ralalam the avereee daily balance by adding all the daily balances together and dividing the am by the nu rbOr of the days in the current being cycle. To Calculate your total finance large, multiply your average daily balance by the daily periodic rate and by the number of days in the billing ped . Due to muhdsq on a daily basis, there may be a sugh variance betvveerh tlhs celaletion and the amour of flnsrnce charge acnaey assessed. b. If the tole Z o N appears o the from of tNa site ".. men m 'Belence Race Applim To; we multiply the 15045M 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 allow 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. CAPITAL Purchase CHECK PETER ISCARIOT 10365 073 GROUSE CT 68.677/510 MECHANICSBURG PA 1705o-91i6 Date 575200-01 Check expires fanuary r5, 2004 -44-- Pay to the order of $ Dollars CapitalOWRkhmond, VA Memo Cardholder un10365tt' 405 10067'?,94865220245262SO CapitalOne" PLATINUM VISA ACCOUNT 4862-3622-0275-2625 SEP 08 - OCT 07, 2003 Page 1 of 2 Account Summary Payments Credits and Adjustments Previous Balance $2,187.74 1 Ol OCT CAPITAL ONE ONLINE ACH PAYMENT $100.00- Payments,, Credits and Adjustments $100.00 Transactions $52120 Transactions Finance Charges $25.71 2 18 SEP GIANT FOOD STORE #263 ENOLA PA $71.83 New Balance $2,634.65 3 18 SEP KARNS QUALITY FOOD MECHANICSBURG PA 6.02 Minimum Amount Due $79.00 4 20 SEP OLD COUNTRY BU00102038 MECHANICSB PA 19.06 Payment Due Date November 07, 2003 5 22 SEP WALMART #2574 CARLISLE PA 16.84 6 23 SEP GIANT FOOD STORE #263 ENOLA PA 34.24 Total Credit Line $3,000 7 25 SEP 01ANT FOOD STORES #110 CAMP HILL PA 19.33 Total Available Credit $365.35 8 26 SEP THE HEALTHY GROCER CAMP HILL PA 49.99 Credit Line for Cash $1,500 $365 35 9 26 SEP RITE AID STORE 3613 MECHANICSBURG PA 54.98 . Available Credit for Cash 10 26 SEP GIANT FOOD STORES #110 CAMP HILL PA 878 11 28 SEP GIANT FOOD STORE #263 ENOLA PA 74.22 At your service 12 28 SEP GIANT FOOD STORE #263 ENOLA PA 9.69 To nil Customer Relations or to report a 1«t or stolen nrd 13 29 SEP RITE AID STORE 4818 MECHANICSBURG PA 12.03 1-800-903-3637 14 29 SEP GIANT FOOD STORES #263 ENOLA PA 18.51 15 30 SEP EXXONMOBILIS 09623406 HONESDAL PA 16.00 Send paymmu to: Smd inquiries U. 16 03 OCT KARNS QUALITY FOOD MECHANIC SBURG PA 30.65 Attn: Rernittan« Procnn'mg 17 04 OCT SUNOCO CAMP HILL PA 10.00 Capital One Services Capital One Servi« B. &5015 P O 18 04 OCT GLANT FOOD STORES #110 CAMP HILL PA 8.61 . . P.O. Box $5147 Richmond, VA 23276 Richmond, VA 23285-5015 19 05 OCT GLANT FOOD STORE #263 ENOLA PA 38.72 20 06 OCT KARNS QUALITY FOOD MECHANICSBURG PA 21.70 Important Account Information As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps your 2003 charges. Please call 1-877-412-3311 before December 12, 2003, to reserve your copy. All Cast your vote on capitalonebowl.com to help select the orders will be processed between January 15 and February 29, 2004. National Mascot of the Year from the 12 finalists, and be sure to tune in to ABC college football, ESPN, and ESPN2 to see Families in PA EARNING INCOMES UP TO $43,240 per year may be eligible for low-cost or free this year's mascot commercials! This year's winner will be health care coverage FOR THEIR UNINSURED CHILDREN. If you or someone you know has a announced during the Capital One Bowl, which aas on ABC child without health insurance, call toll free 1-877-KIDS-NOW for information about the low-cost at 1:00p.m. ET on January 1st. or free health care coverage programs in PA. Finance Charges Please see reverie ride for important inform4tion N B.1- "d, Period. Cmwerpmdcg l l• ° <ppliedro r f APR r . m PURCHASES $2,046.80 .03534% 12.90% CASH $327.16 .04082% 14.90% $21.70 $4.01 ANNUAL PERCENTAGE RATE applied this period 13.18% PLEASE RETURN PORTION BELOW WITH PAYMENT. anotal()w` 0000000 0 4862362202752625 07 2634650100000079007 New Balance $2,634.65 Minimum Amount Due $79.00 Payment Due Date November 07, 2003 Total enclosed $ Account Number. 4862-3622-0275-2625 P4areprinr mai/'ng <ddrrr r-nraitr6arsgrr besoeuuringb! orb/ark -k Str e Apt t City S.. ZIP Home Phone Al,,-u Phone #9028156580575511# MAIL ID NUMBER Capital One Bank N ?C PETER ISCARIOT P.O. Box 85147 ° 4173 GROUSE CT Richmond, VA 23276 m MECHANICSBURG PA 17050-9116 Please unite your aaount number on yorn,he,k m money order made payable m Capital One Bank and mail in the ended F z m O rR ore T rn Tt T Z V z0 0 X r N Z O to z 1st +m C r. q0 z N = rn N *r z m IJ D O O T O O RI O 31 N in O brportaR irtonofica rea I Val, cheek: The attached check will be treated as a purchase according to the terms of your Customer Agreement, and any amendments to it. However, it may net qud ify for any reward. programs. The attached check is subject to credit availability, so you must have the avaiable credit on the day Capital One processes your check Check acceptance is also subject to the curet status of your Amount, and the check may riot be processed if your account is restricted in any way, past due or in collection at the time it is processed. If the credit is unavailable or your Accent is not current as stated, your check will be returned unpaid and you may be assessed a Returned peck fee. TNs check tamer be used to pay down or pay off any Capital One Account. Calling this check will quality as using your Accoutre. 0 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved t. He. To Avoid A F'nanoe Charge. to. or- Period. You will have a minimum grace period of 25 days without finance charge m new purchases, new halt- transfers, new Special purchases and new other charges if you pay your total -New Balance-, in amodsnce with the Important Notice for payments below, and is time for it to be credited by your -W statement closing date. Them is no grata period on cash advances and ri. transfers. In addition, them is no grace period any tForhaa.-t(m if you do net pay the total 'Now bola ce b. Aoaruirg Fb-. Charge. Trarsections which am rot Z!thero a grace period am assessed finance charge 1) date of the transaction or 2) from he date the traraaetion I. praessed to your Accent or 3) from the first calendar day of to cu- bilgnp period. Addao-Mly, if You did net pay the -New Balance from the pmvias billing period in fell, fiance charges continue to accts to Your unpaid balance unit rte unpaid balance is paid in full. This means that you may still owe finance, charges, even if you pay the enum New Balance indicated on the front of your statement by the nets statement dosing data, but did not do so for the pmvkts month. Unpaid finance charges am added m rho a calve aegnat of your Auxwt. tic. hard, n Fktaree . For each billing period that your account Is suublon to a ikhonce large, a minimum tout (MANGE C IGE of 90.50 will ho impaaud. If the total fit.- c urge tduuldtq from the application of your periodic rate(s) is less than 30.50, we vn11 subtract that smart from the 80.60 mW.- and the difference will NO billed to the purchase aeg?tent of your acnuat. t d. Tanporary Reduction rn Fahrwo Ch rga. We reserve the right to not asmas any or all finance charges for any given biting period. 2. Average Daily Balarwe Pock?dsq New Purdnseal. a. Finance charge is calculated by multiplying the daily balance of each segment of year aanut (e.g., cash divan, purchase, special tmnefer, and special purchase) by the woesporndirtg daily periodic rate(s) that has beet previously disclosed to you. At the end of each daYY d urkng the blwng period, we apply the defy periodic rate b each segment of your exalt to ttnaen d.U balanx of each aegnernt. Tbon at the end of it period, we add up to results of teas dally calculations to arrive at your periodic fiance Berge for each sagime t. We add up is Moults from each seg met to arrive at the test periodic finance charge fa your account. To get the daily balance for each segment of your account, we take the begs ring balance for each segment and add any now, transactions and any periodic finance charge calclamd on the PmAeus days balance for that segment. We then sbtram any payments a cretlrs posted as of tars day that am atocaod to that segment. This gives us the separate doily balance for each aegraoi of your aocam. H=- if yet d tae New Balarra shown on yar previas _ in I (or if your new, balarra was zero or a credit amanU, new transactors which post to your purchase or special purchase ;=;m not added m the deilY balances. We celeiate daily balsam by adding all the daily balances together and dvidirhg the sun by tho number of the days in the arrant btlinp cycle. To calculate, your total finance charge, rnIIiply your average dally balance by the dahtyT? odc mrate and by the rrrmhor of days in rte bflgng P.6 mending on a doily boats, there may be a .60 -do- between tics calaioUen sad the amount of finance charge acttely assessed. b. If the code r, or N appears m the from of this smtemet next to 'Balance Ram Applied To, we multiply the ppeeriodic rate. To obtain the average dairy balance for the .KIM periai covered by this statement, we take the login ng balance of each segment each day, add any new transactions to each segment, and summer any Payments or crests. fit the code N appeares on he from of IN. statement next to'Balanee Rat Applied To,' we also attract any unpaid imanoa Marge incuuded in tha balance of each aegmem.I This gives us the daily balance of each segmam. Then, we add up all the daily balanc?ea for each segment for the billing pedod and dvide by the total number of days in the billing period. This gives us the average dally halt- of each ..gem. 3. Arn al Per rtage Rams IAPRI. a. The term, 'Annual Percentage Rate' may appear as 'APR' on the front of this statement. b. If the code P (Prime). L (3-Mo. LIBOR), C (Certificate of Deposit), or S (Bankewd Prime) appeam on the from of this statement ne a to the periodic rate(s), the periodic rates and corompondng ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based an the stated Irdcz, as found in The Well Street Journal, plus the margin ppreviosly disclosed to you. These Merges will be ective on the Am day of your biting period covered by your periodic statement odng the months January, April, July and October. c. If the code D (Prime), F (1-MG. LIBOR) or G f3-mo. LIBOR Repritd Monthly) appeal on the front of your statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary monI Y and may increase or decrease (used on the stated indices, as found in The Wall Sheet Jozzmal, pus the margin pmvfouely disclosed to you. These changes will be effective m the first day of your billing period each month. 4. Aawarnsnt of Late, OvaNnit ard RaunW mart Fees. Your aceam will he assessed no more than Pay two at the fees listed hem that occur during any billing period. Under the terms of your customer agreement, we reserve the tight to waive: or net to assess any fees without prior notification to you without walving our right to assess the same or similar tees at a later time. 5.tRersewkhg You Asoout. If s -bar.* fee ppears on the front of this temem, you have 30 days iron the date 1Na statemsteent wee mailed to you to veld paying the fee or to have who fee credited to you if you cancel your accent. During thus period, you may continue to test your account without having to pay the membership fee. To cancel your account, you must notify us by calling our Customer Relations Department and pail your 'Now Balance' in full (excluding the membership fee) prior to the end of the thin, . period. 6. If You Close You Aeaou t. You can request to dose your account by calling our Customer Relations Department. You meat destroy your credit cardla) and account access checks, caned all preauthorized billing, and cease using. your account. If you do net cancel preautharized billing armnpennents, we will consider receipt of a charge your aunhorizatien to reopen your accorr. Additionally, your account will net be dosed until you pay all amounts you owe us including: any imm"ctons you have sahorized, finance charges, past due fees, overlimit fees, returned payment ices, cash advance ices and any other fees assessed to your octant. you are responsible for these amounts whether they appear on your account at the time you mquest to close the accent or they are incurred subsequent to your request to close the acceum. This may result in charges appeadng on your aceaum after you have your account if it has already been dosed. For example, if you authorized a purchase from a merchant and we receive the transaction from the merchant after your account has been closed, your amount will be reopened, the amont of tae charge will be added to your account, and you will be responsible for payment. If them is a membership fee for your account, the fee will cantina to be charged, to the extern pemtitted by law, "it the account balarnce has been pad in toll as deflrhed above. 7. Using Yo r Aeoout.Ywn card or account cannot be used in connection with any Internet gambling transactions. 8. Notros Abort EleWoric Clawk Carwarmn. When you provide a check as payment, you authorize us either to use information from your clack to make a one-time electronic fund trensfer from your bank accent or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank accaau as soon as the same day we receive your back fmm payment, and you will net receive your check your financial institution. BILLING RIGHTS SUMMARY Iln Case Of Errors Or Ouestios Abort Your Bill) If we think your bill is wrong, or if you need mom information on a transaction or bill, write to us on a seperete sheet as soon as possible at the address for inquiries shaven on the front of this statement. We must hear from you no later than 80 days after we sam you the first bill on which the error or problem appeared. You can call our Customer Relators number, but doing so will not preserve your rights. In your letter, give us the following 'nformarm: your name and accent number, the dollar a.- of he suspected error, a description 01 the eMor and an mph tire, if posalble, of Why you believe there I. an error, or If yet need mom information, a description of the hem you am ensue about. You do not have to pay any amount in question while we are Inveatigeting it, but you are will obligated to pay the parts of you bill that are not question. While we Investigate your question, we camot report you as delinquent or i ice any action to collect the amoral you question. i,t Special Rule For Credit Card Purchases If you have a problem with the gsl(ty of properly or ;:,':Tried t you purcheaed with a credt card and you in gourd faith to coned tfa prahkm with the merchant, you may have the right net to pay the remaining amount due on to property of services. You have this protactlon only when the purchase price was mom than $60.00 and the purclNSe was made in your lame sale or wkhin 100 miles of your mailing address. (11 we ovate or operate to mercham, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) Please remember to sign all correspondence. t Does nat apply to co- non-crodl card do counts I Does rot apply to business rot-CfWN card accounts One supports information privacy prelection: see our at wv+w.capptalo e.com. One is a federally legislated service mark of Capital e One wer Corporation. A31 fights reserved. c 02OU 1LGL&4K g O O r` o a 181025 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 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 clips, etc. when preparing your payment. 4 Enjoygreater f rGXl?fflty with the attached Capital Purchase Checks! 201014 Purchase Checks* make every purchase more convenient ?? with easy account access and no transaction fee. ?E>? Plus - • Make purchases where credit cards are not accepted • Pay off higher-interest-rate balances directly • Access your account anytime, anywhere • Use just like personal checks No matter how you use them, you're sure to enjoy the added convenience of Purchase Checks. But, hurry - they expire Capital0ne January 15, 2004. Use yours today! what's in your wallet?- 'Please see the reverse for the te.ms and conditions of using these checks. CAPITAL PURCHASE CHECK PETER ISCARIOT 10362 073 GROUSE CT Date Page 2 of 2 MECHANICSBURG PA 3705o-9n6 Expires January 15, 2004 68-6771530 201014 04400 Pay to the order of EVISCARI $600.00 ... . ,.,.,.,.,. Dollars CapHaloW Richmond, VA Cardholder Memo Signature 11'1036211' 1:05 i00677a1:a65220275262511' CAPITAL PURCHASE CHECK 10363 68-677/510 201014 04400 Dollars Capita!GW Richmond, VA N 0 Z; Memo Cardholder 11•&036311' 1:05100677a1:l365220275262511¦ CAPITAL PURCHASE CHECK PETER ISCARIOT 073 GROUSE CT MECHANICSBURG PA 1705o-9336 Pay to the order of CaprtWOW Richmond, VA Memo 10364 Date 68.677/530 201014 es January 15, 2004 04400 S ?--? Dollars Cardholder Signature 11'&036411' 1:05L00677a1:865220275262511' PETER ISCARIOT 073 GROUSE CT Date MECHANICSBURG PA 1705o-oi16 *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 it 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 One processes 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 wilt be returned unpaid and you may be assessed a returned check fee. These checks cannot be used to pay down or pay of 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. © 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. O in m z DO D -4 D N r D M :E < M v in m D < M D D m v O z D z O D O A 9 O r V/ -n Z G1 0 0 z D 0 M m m am 0 (a D D z 3 'i n '? I z 0 n x N 2 2 1 W c m 100 z c U) = in to rz m m z v 0 M N 2 m z M z 0 O M N m 2 m s m O 2 O M qml M -i r O O D C -1 m m = M N r_ z n m 161025 0 0 m z 0 0 2 N m 2 z m z DO M m M f D p M -4 C) in T O N A D z D 0 9' D N 2 0, CO z in in ?r O 0 C -1 m = ! N r z m CAPITAL Purchase CHECK PETER ISCARIOT 10391 9173 GROUSE CT 68-677/510 MECHANICSBURG PA 17050-9116 Date 575200-01 Check eVireslanuary 15, 2004 04401 Pay to the order of T 7^ -r 9r% $ Dollars Capfta>Tly?W R1chmond, VA Memo Cardholder us 1039 ;it, 1:0S10067781:86S22027S262SO Cap"One° PLATINUM VISA ACCOUNT 4862-3622-0275-2625 OCT 08 - NOV 07, 2003 Page 1 of 2 Account Summary Payments, Cre dits and Adjustments Previous Balance $2,634.65 1 31 OCT CAPITAL ONE ONLINE ACH PAYMENT $500.00- Payments, Credits and Adjustments $625.00 2 04 NOV ELECTRONIC PAYMENT 125.00- Transactions $534.57 Finance Charges $30.61 Transactions New Balance $2,574.83 3 09 OCT BIG LOTS #014100014134 CAMP HILL PA $17.95 Minimum Amount Due $77.00 4 09 OCT KMART 00042754 MECHANICSBURG PA 22.15 Payment Due Date December 06, 2003 5 10 OCT HESS 38285 CAMP HILL PA 9.00 6 19 OCT GIANT FOOD STORE #263 ENOLA PA 29.75 Total Credit Line $3,000 7 20 OCT MIDDLETOWN GETTY MIDDLETOWN NY 25.00 Total Available Credit f C h C di Li $425.17 500 $1 8 21 OCT GL4NT FOOD STORE #263 ENOLA PA 46.00 ne or as re t Available Credit for Cash , $425.17 9 22 OCT KARNS QUALITY FOOD MECHANICSBURG PA 16.01 10 23 OCT GIANT FOOD STORES #110 CAMP HILL PA 13.03 11 24 OCT JOHN M SULLIVAN MD&ASS MECHANICSBURG PA 68.00 At ice Your serv 12 24 OCT GIANT FOOD STORE #263 ENOLA PA 27.43 T. nll Customer Relatiom or t0 repon a lost or stolen cad 13 27 OCT GIANT FOOD STORE #263 ENOLA PA 54.52 1-800-903-3637 14 28 OCT GIANT FOOD SPORES #005 MECHANICSBURG PA 30.89 15 30 OCT JOHN M SULLIVAN MD&ASS MECHANICSBURG PA 80.00 Send Payments to: Send inquiries to: 16 01 NOV GIANT FOOD STORE #263 ENO-AL PA 39.73 Attn: Remittance Processing 17 Ol NOV GIANT FOOD STORES #110 CAMP HILL PA 14.97 Capital One Services P.O. Box $5147 Capital One Serviar P.O. B. M15 18 03 NOV GIANT FOOD STORES #263 ENOLA PA 12.50 Richmond, VA 23276 Richmond, VA 23285-5015 19 04 NOV KARNS QUALITY FOOD MECHANICSBURG PA 27.64 As a valued Capital One customer, you are eligible to receive a &ee Year-End Summary that recaps your 2003 charges. Please call 1-877-412-3311 before December 12, 2003, to reserve your copy. AB orders will be processed between January 15 and February 29, 2004. Finance Charges Plexejee reverresidefor important information o Rd-ate Per;ode Comesyoxding g p!vAto rate APR PURCHASES $2,445.76 .03534% 12.90% $26.79 CASH $301.88 .04082% 14.90% $3.82 ANNUAL PE RCENTAGE RATE applied this period 13.12% PLEASE RETURN PORTION BELOW WITH PAYMENT. Capi'fa10w' 0000000 0 4862362202752625 07 2574830125000077000 New Balance $2,574.83 Minimum Amount Due $77.00 Payment Due Date December 06, 2003 Total enclosed $ Account Number: 4862-3622-0275-2625 P4asep.irst mailirsgdbrsr arsd/ r-+naii chtmgn be! wiudb! orb! krnL Street Apc 4 Gry State ZIP Home Phone Alt,-t, Phone Email #9031256580575514# MAIL ID NUMBER Capital One Bank ° s PETER ISCARIOT P.O. Box 85147 4173 GROUSE CT Richmond, VA 23276 N MECHANICSBURG PA 17050-9116 R'eare writeyora aunt number on your check m money order male payable to Capital One Bank and mail in the endwed enve,'ope. r G" O D D O O T O O z 0 D cn m O 0 0 0 O z m O4 Cf) D 9 Mre O0 T D D TTY A ? z0 C) M r N Z ern y 2 M cr- 110 z 1 U) = m(n *r z m Irrpartarrt irlorrrrotionh raprdrrp your otwak: The atterfhed deeck will be treated x a purchase accerdrg to the terms of year Customer Apreemerrt, and any amermdinents to h. However, 't may nos quality for any rewards programs. The reached check is ,aubjed to credit avallabiity, se You must have the avaiable credit on the day Capital One processes your deck Check acceptance is else abject to the current staters of your Acceint, and the check may not be processed if yax accent is restricted in erry way, past due or in cdlectieis et the time it is processed. N tine credit rs uravageble a year Account is not current as stated, your tleck wig be resumed upaid and yea may be assessed a Returned Cfeck fee. TNa check carrhot be used to pay down o pay aH anY Capital Ora Aceount. Casting Chia tleck wiN qualify as using your Acceint. ®2003 Capital One S¢MCea, ke. Capital One is a federally reginered service mark. All rights reserved. 8 O O N rd0diC Fare. To obtain the average daily balance for the 'odic rate. To obtain the average daily balance for tiro lkg period covered by this statement, we take the begimurg balance of each segment each day, add any row va saw ions to each segment, and subtred any payments or credits. (If the code N appears on tho from of this natemem next to 'Balance Rate Applied To,' we also subtract any trpeid finance charge included in the balance of each s¢gm v) This gives us the daily bars of each s¢gnom. Tian, we add up all the daily balances fe each l segment for t billing peal and dvide, by the tota rcanber of dayshe in the billding period. This gives is the average daily balance of each segment. 3. Annud PeroaMage Rates IAPRI. a. The term 'Annual Percentage Rate' may appear as 'APR' on the front of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankeard Prime) appears on the front of tNs atatemot noses to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quartedy and may increaaa or decrease based the stated indices, as fond in The WaR Street Jonmeel, plus the margin ppreZue, diadased to you. Those changes will be effectve on the float day of your billing period covered by your periodic netennenI ending in the months January, Apth, July and October. c. In the code D (Prime), F (1-mo. LIBOR) or G (3-mo. LIBOR Reprirxd MontNy) appears on the from of your statement rest to the periodic rate(a), the period. rates end mrr rq ANNUAL PERCENTAGE RATES may vary montNe?y edit may increase a decree. basted on the stated indices, as found in The Wall Street Journal, pus the margin previously disclosed to You. These changes will be effective on the first day of your biIiirg period each month. 4. Asswmwmt of Late, Ovrfmit and PA&ff W Parymart Foos. Your account will be as.s.d Fe more than two of the fees listed here that occur during any billing period. Under the tens of your custaner agreement, we neservo the dght to Clive or not to asses any fees without rotificmio to yW willaul walvdg our right to assess the same or similar fees at a later. tfare. 6.tRanawdp Yaur Aoeout. If s membeshp fee appears on the from of INa statement, you have 30 days tram the data this statement was mailed to you to avoid paying the 1. or to have such fee credited to you if you cancel your accent. During this period, you may continue to use your account wkhout having to pay the membership fee To canedyour accent, you nun notify us by calling our Cusomer Relations Department and pay your New Balance' in full (excluding the mcjt"p fee) pdor to the end of the -2n, period. 6. N You pose your Aaoourt. You can requeose yyoouur account by calling our Customer Relations Department. you moat destroy your credit card(s) and ant eccesa decks, cancel ell preauthodzed billing, and cease using your accent. If you do rat caned preauthorized billing arrangements, we will ceosider receipt of a charge your authorization to reopen your accost. Addkienally, your account will rot be dosed until you pay all amounts you owe ua indudirg: any tra ens pw have authorized, finance charges, pest due fees, overlimit fees, returned payment fees, cash advance fees and any other fees assessed to your eccast. You are reap-bIa for these amourns whether they appear m your account at the time you request to close the account or they are incurred subsequent to your request to dose the account. This may esuh in charges appearinq on your account after you have your secant if it has already been dosed. For exempla, if you authonV = Von from a merchant and wo receive the trareacdon from the merchant after your account has been dosed, your account will be reopened, de amount of the large "it be added to your account, and you will be responsible for payment. If dam is a membership fee for your accou it the foe will corainuo m be Barged, to the ex[ent pemitted by law, until the account balance has been paid In full as defired above. 7. llsig Your Aoonusd.Ymr card or accent cannot be used in connection with any intemet gambling trareactbre. 8. Notba About Eleobmie, Chook Cawrslon. When you provMe a dock as payment, you colorize us either to use information free your Back to make a ono-time, elserretic find tmrfer from your bank account or to process to payment as a lack traaection. When we, use information from your check to make an dectronic find transfer, finds may be witldrewn fran your bank accent as soon as the some day we recefvo your payment, and you will net receive your check back from your financial institution. BILLING RIGHTS SUMMARY (In Case Of Emm Or Guestiore About Your BIIB If you think your bill Is wrong, or if you reed more infimation on a transaction or bill, writs to us on a separate sheet as soon as possible at the address lot r quiries shown on the front of this statement. We must hear from you no later than 60 days after we sent you the first bill an which the error OF problem appeared. You can call our Customer Relations number, but doing so will not preserve your riots. In your letter, give us the following information: your name and account number, the dollar a rant of the xapected enor, a de.riptim of the enor and an wo nation, if possible, of why you bdieve there I. an error, or If you need morn information, a description of the hem you are trauue abort. You do not have to pay any t in question 1e wre are investigating 11, but you are till obligated to pay the pans of yea NII that are not question. While we Investigate your queadon, cannot report you as degnµlam or take any action to collect the amount you question. i,t Special Rule For Credit Card Purchases If you lave a Er with the quality of property or xM-a that yhased widen a credit card and you lave tried in gh to correct the problem with the merchant, you may have the right net to pay the remaining amount due on the property or services. You have this Nhen the puMax price was more than state protection t`' 850.00 end W= was made 1n your home e within 100 miles of your mailing address. (If we own or operate the merchant, or if wle mailed you the adyertiaenant bar the property or services, ai purclasos are covered regardless of amount or location of purchase.) Pleaw remember to sign all correspondence. t Does not apply to mnsraner non-credit card accounts 3 Does rat apply fa business -credit card accounts Ora supports informaton pdvacy protection: see our al vmw.capptaloa.com. One is a taderally registered service mark of Capital eidal Cort-tion. All rights re.rmd. c 2003 One OILGLBAK 1. How To Avoid A Firnee Charga. ta. 43 ace Period. You will have a mirimum grace period of 26 days widata finance charge an new puniases, Few balance transfers, raw special pturheses and new other dmerges if you DaY Your tonal 'New Be rice% in accorderice with the Important Notice for paymerrca blow, and in time for it to be credited by your Fes[ statement Basing date. There I. no grace pedod on cash ad.- and special transfers. In addition, them is nc grace period on any tTn-.0- If you do rot pay the total -New balance.' b. Aecntg Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the date of the transaction or 2) from the date the transaction is proceaaed to you Accent or 3) from the first calendar daY of the current billing period. Additionally, if you aid rot pay rte 'New Bdarrce' from the previes biking period km full, finance Bangor cedma to axna to your unpaid balance until the upaii balance is paid in finll: slat yon may atilt owe franca charges, even if TNa if ye, pay U e anti a New Gale ce ndceted on the f ore of your statement by the - atateniet Closing date, hue hid rot ob so for the pawkite month. Unpaid finance charges am added to the eppi bI segrnort of your Auxxxnt. t c. K%*- F rr Charge. Far each billing pedod that your acceusn aged to s ikhohce dherga, a mfrhktxm la total RNANCE C=n of 80.60 will be Orhpoeed. It the tool finance dharpe ?ealtkq from the application of your Period. rate(s) is lax than 80.50, wB will attract that arrant from the 80.50 minimum and the ci(fersnce will ho biped m the purluse aeg?+ot of yen acceunt. t d..r_._ ry Rtlution ih Fi=. Oharga. We reserve the 'gut to =2""' any or all financ?e charges for any given 2. Average NXirg p Daly krc?ndi p charge is c I b New Purdasssl. a. Rnance charge is alaleted y multiplying the daily cash balance of eetlh segment of your ace. (e. g., d--, purchase, special tmrefer, and spacial purClheae) by daily Ped.S. rste(sl tat has been ,.=;=. you. At the end of each Boyy during the billing period, we apply the daily periodic rate fo osth segment of your arYOtnt to the daily balance of each segment. ts Than those t cagy of ti , toParti?v ,awe add up periodic finance Burps for each segment. We sotl up the results from each segrmeimt w at r the total periodic fi- large for yon acceut. To pet !e deflY balance for each selTrent of you auxent, we take the beganfng balance for each segment and add a Few trereadiea and any periodic finarra Barge rated en tree previats deYs b.. for tfat xgmvt. We tan oubtraet any dam allocated ymnrta or cnadu posmd ore of tat ley that ily tope Bat ae9mont. TNs glues bar the aparno a tr a!- for each segment of yetis accost. However, if you gpeeld the Now, Belahce shown on yen preNas sna[antnt In AN (or if your Few balance was zeta or a credit emouh), new treiaactlorre whldh post to your purdase or special puBa9. segments am riot eddad to tens cagy balances. We luxnlate the avorspe dallyy balance by adding all the daily belences tapetlher and dividing the arm by the number of the days in the arrters bilhV cycle. To calculate your total finance charge, naldply War average Baby balance by the "aype dock rate and by due nnter of days in the biking period. Due to ranting on a deny basis, tare may be e sight variance between dis calculation and the amount of finaruxe Bharge actually asaseed. b. If the code 2 o N appears on is from of this statement next to "Balance Ram Applied To,' w c multiply the .. . 5210M hrpetard Notice: your pa}mtsrt vAll be credited to your aceam as of the date we receive It, providatl you acrd the botttm portion of Chia statement and your deck In the enclosed reirtttanco envelope, and your paymom is received n ow proceseirg tartar by 3 p.m. Payments addrexad to our Virgkta or Georgia pweesairg center must be received on a busksas day by 3:00 pp m. ET. Payments addressed m suer Washirgteim Proceseirg txater moat be received on a business day b3:00 p.m. PT. Please allow at least five (5) busing- days for postal tielfvery. Paymtma received by us at any other location a fn another tone may not be erected the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use, naplss, paper cops, etc. M- Prepering your paYment. Enjoygreater fle bl l tY with the attached Capital Purchase Checks! 201014 Purchase Checks* make every purchase more convenient with easy account access and no transaction fee. ??? Plus - • Make purchases where credit cards are not accepted • Pay off higher-interest-rate balances directly • Access your account anytime, anywhere • Use just like personal checks No matter how you use them, you're sure to enjoy the added convenience of Purchase Checks. But, hurry - they expire CaPIM1 pne, January 15, 2004. Use yours today! whatt in your wallet?- 'Please see the reverse for the terms and conditions of using these checks. CAPITAL PURCHASE CHECK PETER ISCARIOT 10388 4173 GROUSE CT Date Page 2 of 2 MECHANICSBURG PA 17050-9116 Expires January 15, sooq 68.6771510 201014 04400 500.00 Pay to the order of VVv"CAIRTO I $ _ 1 -11 - Dollars CapitaloW Richmond, VA Cardholder Memo Signature II5L03aall5 i:05i00677a1:a65220275262511• CAPITAL PURCHASE CHECK 10389 68-677/510 201014 04400 SD Dollars Capita CW Richmond, VA f 0 Memo Cardholder 11.103890 ':05i006778':8652202752625n5 CAPITAL PURCHASE CHECK PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 17050-9116 Pay to the order of Date es January 15, 2004 10390 68.677/510 201014 04400 $ I --L] Dollars CapitalCw Richmond, VA Memo Cardholder Signature 01039D11• i:05i00677ai:a652202752625iin PETER ISCARIOT 4173 GROUSE CT Date MECHANICSBURG PA 170co-oi16 *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 it 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 One processes 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 wilt qualify as using your Account. All other Account terms and conditions remain in full force and effect. 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All righn reserved. T M 0 0 m M O M N -i D M .? M D M m 1 co 0 in m M Da '? m 3 O D M a o z O rN O T Z 0 O J Z M 1 r- O p z M C 1 N = M M FN 0 r_ O z m O 0 m 0 v z m M0 m1 rD M co M M m m g D m 1 om Da T 3 O M o O ? 9 z0 Da r N T Z M O `" O 0? Z m zO M m M m c 1 ?s m N c1 r z M 5210M 0 0 z M0 M 1 N M 9 a m .4 om T 0 U) ?0 b z ? D ? z O O ? 2 N N Z ?m 1r FD C1 m = r z m M z 0 O N m s m S m m z v 0 N m m M M M z 00 x N mm mm P"Peoplepu online u A better way to Internet. ? Surf up to 5x fastermth d FREE Accelerator for the first 12 months'- a $W values 1-888-587-9669 ?Mention Offer Code: DOLLAR - Visit www.peoplepc.com/go/dollar UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by SymanleC- ® Pop-Up BlockerTM Spam Controls ® Smarter Smart Dialer Technology ® More Email Addresses @y~ Internet Call Waiting Capital0nen PLATINUM VISA ACCOUNT NOV 08 - DEC 07, 2003 4862-3622-0275-2625 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $2,574.83 1 03 DEC CAPITAL ONE ONLINE ACH PAYMENT $100.00- Payments, Credits and Adjustments $100.00 Transactions $356.99 Transactions Finance Charges $30.77 2 o6 NOV HESS 32430 VAILS GATE NY $17.00 New Balance $2,862.59 3 07 NOV WEIS MARKET #58 MECHANICSBURG PA 66.00 Minimum Amount Due $85.00 4 10 NOV OLLIES BARGAIN OUTLET MECHANICSBURG PA 32.83 Payment Due Date January 07, 2004 5 10 NOV KARNS QUALITY FOOD MECHANICSBURG PA 27.23 6 12 NOV EXXONMOBILI8 09662354 HAWLEY PA 18.25 Total Credit Line $3,000 7 14 NOV GIANT FOOD STORE #263 ENOLA PA 73.92 Total Available Credit Credit Line for Cash $137.41 $1,500 8 17 NOV GIANT FOOD STORES #035 HARRISBURG PA 38.65 Available Credit for Cash $137.41 9 19 NOV KARNS QUALITY FOOD MECHANICSBURG PA 23.95 10 20 NOV OLLIES BARGAIN OUTLET MECHANICSBURG PA 3196 11 21 NOV WEIS MARKET #58 MECHANICSBURG PA 12.30 At your service 12 21 NOV KMART 00042754 MECHANICSBURG PA 12.90 T. aD Customer Relations or to report a lost or stolen ard: 1-800-903-3637 Send payments to: Said inquida to: Attn: Remittance Processing Capital One Serrioe: Capital One Services P.O. Box 85147 P.O. Box 85015 Richmond, VA 23176 Richmond, VA 23285-5015 Finance Charges Please Jee reverie Jidefor important information Ralartnrafr Periodic Cmsxspandng E ? .epplirdeo rat AAPPR l.t1 w PURCHASES $2,618.11 .03534% 12.90% $27.76 CASH $245.60 .04082% 14.90% $3.01 ANNUAL PERCENTAGE RATE applied this period 13.07% PLEASE RETURN PORTION BELOW WITH PAYMENT. Caotalowa 0000000 0 4862362202752625 07 2862590100000085000 New Balance $2,862.59 Minimum Amount Due $85.00 Payment Due Date January 07, 2004 Total enclosed $ Account Number: 4862-3622-0275-2625 Ptaeprntmalingadd andorr-madebm rsbr! raivbav orb! kink Street Apt i City S- ZIP Home Ph- Alternate Phone I. 49034156580575513# MAIL ID NUMBER Capital One Bank PETER ISCARIOT P.O. Box 85147 4173 GROUSE CT sss sss sss sss m MECHANICSBURG PA 17050-9116 Richmond, VA 23276 N Pie- vniteyour account number on your check or money order made payable to Capital One Bank and mail in the enlaced envelope. r peoplepa- online i A better way to Internet, UNLIMITED INTERNET ACCESS 1-888-587-9669 .. Mention Offer Code: DOLLAR Visit www.peoplepc.com/go/dollar Peol is solely responsible for this offer, and is not affiliated with Capital One. Capital One does rat provide, endorse or guarantee, and is not affiliated with, any product or 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 communicating information about yourself to the company that provides this product - for example that you am a Capital One customer. 'PwplePC Online: First 3 months are billed at $4.97 per month; $9.95 per month thereafter. Offer available to new dial-up subscribers at least 16 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. tAccelaralor is free for 12 months. Offer good for limited time. After the first 12 months, the Accelerated service will automatically revert to the standard Peopil Online service. Offer subject to change at anytime. With PeoplePC Online Accelerated, cerfain Web page text and graphics will load faster when compared to standard dial-up Internet service. Actual results may vary. Peo ill Online Accelerated is only compatible with PeoplePC Online Internetservice and specified Windoi browsers. PeoplePC Online Accelerated is not compatible with Windows,& 95 with IE 5.5 SP2. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone tell charges may apply, even during (dal periods. You are responsible for determining whether a cal to one of our access numbers will result in telephone tall charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at PeopSPC's discretion. Continuous use subject to timeout procedures. All use is subject to Peopli Online's Services Agreement and Acceptable Use Policy. 56K Is the maximum speed of service; actual speed may vary. 0 2005 PaoplePC Inc. Al Rights Reserved. PeoplePC Online and its logos are trademarks of PeoplePC in the U.S. and other countries. 0 2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 O i O r.L O O0 O N r?dodic rate. To obtain the average daily baler- for the chilling Period covered hV this statement, -day. the boginnrg balarxx of each segment each day, add any now transactions to each Segment, and subtrept any peYm-IS OF credits. (it the code N appears an the frerr of INS statement next 1. Balance Rate Applied To; we also subtract any unpaid finance charge included in the balance of each segment.) This gives us the daily balance of each segment. Than, we add up all the dally balances for each segment for the billing period and dvlde by the total rxsnbe, of days In the billing period. TNs gives us the .-,.go daily balance of each mgnent. 3. Annual ProarAage Rates CAPRI. a. The term 'Annual Percentage Rate' may appear as 'APR' on the from of this statement. It. If the code P (Prime), L (3-Me LIBOR), C (Certificate of Deposit), or S (Dankeard Prime) appeals on the front of this sateman next 10 the pedodc retail), The periodic area and conespatdrg ANNUAL PERCENTAGE RATES may vary q arady std may increase or decrease based on the anted x.- es found in The Wa) Street Journal, pus the Feign pp 'ady disclosed to you. These dxartges all nd effective - the first day of your billing period covered by yap Periodic statement ending in the months January, April, JWy and October. c. If the code D (Prime), F 0-mo. LIBOR) or G (3-me. LIBOR Repriced Mani appears - the fl?? os your statement rate to the pedodc rate(s), the and correspaxirg ANNUAL PERCENTAGE RATES may vary monWy and may increase or decrease based an the stated Ird"' as found in TM WeU Street Joama/, plus the margin pmNously dsclosed to you. These changes Will be effective an the firm day of your billing period each month. 4. As sad, of Lets, 0-111 lit and Returned PayntrA Fut. Your accent will be aseetwel no more than two of the fees listed here that occur during any billing period. Under the terms of your customer agreement, we reserve line right to ways or rot to assess any fees without prior notification to you without waiving our right to assess the same or similar fees at a later time. 5.tlGraev+irg you Aees L If a membe ship fee appears en the from of this matemem, you have 30 ays tram the date this statement was mailed to you to avoid paying the fee or to have such fall credited to you if you cancel your account. During this period, you may continue to use your accent without having to pay the membership fee. To cared your account, You must notify us by calling cur Customer Relations Department and pay your -New Balance- in full (excluding the membership fee) prior to the and of the tNny-day period. tar. 11 you (Yore Yar AeeauA. Von can reptant to dose your account by calling our Cumanas Relations Department. You must clammy your credit card(s) and account access decks, cancel all preauthedzed billing, and cease usirup your accent. If you do rot cancel preauthcrized billing arrangements, we will consider receipt of a charge your auhorization to reopen your accent. Additionally, your accent will not be dosed until you pay all amounts you owe us including: any lemoul tierce you have authorized, finance charges, past due fees, overlimit tees, returned payment fees, cash advance fees and any other fees assessed to your accent. You are responsible for these amours whether they appear on your account at the time you requeen to close the accom or they are incurred sbsocil to your request to close the accent. This may result In charges appearing an your account after you have your accent if it has already been dosed. For example, if you authorized a purchase from a merchant and we receive the trateractim from the merchant after your accent has been dosed, your accent will be reopened, the amour of the charge will be added to Your account, and you "it be responsible for payment. If them is a membership fee for your accent, the fee will tontine to be charged, to rho extent permitted by law, until the accaax balance has been paid in full as dollned above. 7. UaYrg Your Aooaad.Your card or account cannot be Good in ueraactiau with any Internet gambling transactions. 8. Nedoe Abed Elooburda Cheok 0mwarabn. When you proylde a deck as payment, you surholize us eider to use information from you deck to make a ore-time electroric fund transfer from you bank accent or to process the payment as a dock transaction. When we use infometian from your deck to make an electronic hand transfer, funds may be withdrawn from your bank .team as won as the same day wo receive you payment, and you will not receive your deck beck from your, ffinancial institution. BILLING RIGHTS SUMMARY lln Casa Of Enom Or Ouesdoa Aber Your Bill) If you think your bill is wrong, or If you need more information on a transaction or hill, write to us on a separate sheet as soon as possible at the address for inquiries all- on the from of this matement. We must hear from you no later than BO days after we sari you the first bill an wftich the error or problem appeared. You can call ou Customer Relations -be,, but doing So will net preserve your fights. In your letter, give us the following infomatlon: your name and account number, the dollar amount of the aspected error, a description of tie error and an exglable, of why you ht I there is an emar, or I==.r. infomalon, a description of the hem you are uraure abet. you do rat have to pay any amount in question while we are Investigating it, but you till obligated to pay the parts of your NII that are net ate in question. Willie we Investigate your question, care cannot .pan you as delinquent or take any action to collect the amain you QUe9fion. 3,t Special Rule For Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card and you have tried In good faith to cancer the problem with the merchant, you may have the all rot to pay the remaining amount due on the prapedy or services. You have this protection a* wtuern the purchase price was more than $50.00 and the purdase was made in your home mate or wmNn 100 miles of your mailing address. (If we am or operate the merchant, or if we mailed you the advertisement for the property or Services, all purduaraw are covered regardless of amount or location of purchase.) Rease remmtber to sign all cormapondence. t Does rat appiy to consumar non-credit cad accounts Y Does rot apply to business rote-oedit card accci One Supports information privacy protection: we our I at vvww.capptalone.com. One'. a todarally reglmmd service mark of Capital n d Corporation. All rights reserved. 0 2003 One OILGLBAK 1. Haw To Avoid A Frrwtee kxrarge, t a. (araoe Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance transfers, new, spedal purchases and new, other charges if you pay your total 'New Balance', in accordance with the Important Notice for payments below, end in time for it to be credited by your next statement tlaekg date. Them is ngrace period - cash ad?anss end special traxafels. in addtlan, there is no grace period on any transaction if you tb not pay the total 'New belarae.' b. Aeonirg Fkra ce Charge. Transactions which are not subject to a grace period are assessed finance large 1) from do date of the transaction or 2) from due date " transaction is processed to you Account Of 3) from the firm calendar day of the crament billing niod. Addeioagy, if you rid not pay the 'New Balance' from the Drovious Ming period in full, finance, charges continue to accrue to your unpaid balance until the upend balance is pod in full. This metre that you rosyy still owe faarce chri even If you pay the entire New Balance indicated an the front of your mmenant by the next mameenr dosing dote, but did not do sc for the previous monde Unpaid finance charges am added to the segment of your Acoarm. t c. lAidnrrum Planet For each billing period that your account Is abject to a harm deerge, a ndnbtun local Fil CHARGE of $0.50 Well be Nnposcd. If the total finance charge mWdng from the BpPlicalion of your periodic ant( e) is less than A0.50, we vrg attract tlat antaotaA from the $0.50 Initial end tit dffenence will be bhied to the purdase sagr?em of your ecearr. t d. Terrporry Reduethan n F-rn". Large. We reserve the right to not assess, any or all finance charges for any given billing period 2. Average Daly Barge IiaMrig Nor, Purchased. a. France charge is calculated by multiplying the daily balance of each segment of you socaum (e.g., cash advance, purchase, special transfer, and Special purcase) by the can-poring daily pedodc Fatale) oat has been pmvwtdy dsdosed to you. At the end of each dsy mdng the blip period, we apply the deg pedodc rate for each segnad of your accent to she dal balance of uch segment. Than at the and of the bill period, vs add tp the reaps of these defy calaJetios to arrive at your periodic firer- charge for each segment. We add up the rosults from each seTtent te arrive m due total periofc firer- charge for your sccaum. To get the daily bar- for each segrlant of your acecxt we eke the txePxatxg bdar- for each segment and add ar?y new trarsactiare and any periodic finanee large ulusiated on the pmvious day's balance for that segttos. We than subtract any paymerms OF credos posed as Of that day that am allocated to that Segment. This gives u the separate, dally balance for each segment of you a.cound. Hovreyer, If you paid the New Balance shown on you previous, sutemem in full (or if your new balance was zero or a credit amount), navy, transactions which porn to yon purcheso of Wedal purchase Segmets am not added to the daily balances. We calculate de avenge lady balance by adding all the dally balarcee together and dvid g the sum by the amber of the days in the current biiirg cycle. To calculate your tonal finsrce Barge, multiply your avenge defy balance by the deity periodic rate and by the amber of days in the billing period. Dune to rounding an a daily basis, it- may be a sight variance between this calculation and rho amount of finance largo acnoly assessed. b. If the code Z or N appeal m the front of this autement next s "Bolan a Rate Applied To,' roe mdtiply rite 2910M ixporhan[ Noiu: Your payment will bar credited to your accent as of Una date ore racelvo It, provided you sod the bahan portion of tits statement and your deck In the aTdaeed ronittance envelope, end your ppaayment la received In ou prooswkxg cotter by 3 p.m. Paymema adtlreaeed to cur Wgkxla or Georgia proceeaing toner moat bar received on a buarsw ley Oy 3:00 p m. Er. Payments adtlreesatl te ou Waahigton prouxsaig keener roust be rocalved on a budrleK ley by 3:00 p.m. Pi. Plesae allow n item flue 15) budnae days for postal delivery. Payments recefyed by us at enV other lecmign or in antotlTer form may net be uedted the terra daY we receive sham. Our busitae days are MordeY 1MargT SaturdeY, axdWxg holidays. Pbaee do rat Gee stapes, paper di . ,etc. vtan preparhTg your payment. Whuxn you sand us a kiteck(a), you audtorizo us to make a ens-time olec[ronic transfer debit hen your bank a- u for the amaart of tM lack Ths authorizatlon appltea to a1 dacka receivoA dudrtQ the billing cycle even if tart by > earxa dsa• 11 we tamer process the transsr, you aV[Mri.Ze U9 to make a large againtm your bank 80LWmt U811g iha deck a paper cleft or other item. V'peoplepc- online u A better way to Internet. J Surf Lq) to FREE Accelerator for Me first 12 monthst- a $60 value! 20275 1-888-587-9669 ` Mention Offer Code: DIAMOND Or visit www.peoplope.com/go/diamond ow UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection powered by SymantecT" ® Pop-Up BlockerTI `(?j Spam controls ® Smarter , Smart Dialer Technology ® 4l??RC7??`O'fesses 4WQ*NI69Li4 CfilAWAQ5 t39116 CapitalOW" PLATINUM VISA ACCOUNT 4862-3622-0275-2625 DEC 08, 2003 -JAN 07, 2004 Page 1 of 1 Account S Previous Balance $2,862.59 Payments, Credits and Adjustments $150.00 Transactions $22.67 Finance Charges $31.82 New Balance $2,767.08 Minimum Amount Due $83.00 Payment Due Date February 07, 2004 Total Credit Line $3,000 Total Available Credit $232.92 Credit Line for Cash $1,500 Available Credit for Cash $232.92 At your service To aU C+utoma Relations - to reports lost or stolen card: 1-800-903-3637 Send Payments to: Send ingitiria to: Attn: Remitten« Procwin8 Capital One Services Capital One Savior P.O. Box $5147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Payments Credits and Adjustments 1 02 JAN CAPITAL ONE ONLINE ACH PAYMENT $150.00- Transactions 09 DEC SHELL OIL 14679220054 MILFORD PA 23 DEC WEIS MARKET #58 MECHANICSBURG PA $16.00 6.67 Finance Charges Pleareree reverse Jidefor important information Ba! rate Prriodr Corwsp e-, RAW ? app!vdeo rat. . PR 1110 ?n PURCHASES $2,629.89 .0353446 12.90% $28.81 CASH 5238.07 .04082% 14.9096 13.01 ANNUAL PERCENTAGE RATE applied this period 13.06% PLEASE RETURN PORTION BELOW WITH PAYMENT. CapffaIGW 0000000 0 4862362202752625 07 2767080150000083009 Plarepri i-1..rsg addrrsra r-mailrAimgrs bel unngb( orb! kink. New Balance $2,767.08 Minimum Amount Due $83.00 see Apt Payment Due Date February 07, 2004 City Score ZIP Total enclosed E Home Phone Aturmre Phone Account Number: 4862-3622-0275-2625 0 Ernvl Address #9000856580575518# MAIL ID NUMBER Capital One Bank PETER ISCARIOT "' P.O. Box 85147 III 111 II u m III I I rut 4173 GROUSE CT .-+ Richmond, VA 23276 MECHANICS13URG PA 17050-9116 m ? IuItInllndtll4ulJlullutll utlluJlurllutlludlud ? Iutlllndll4udJdlutldundludldlnlrlnlJnulrll Pleare vnite yow acraunt numbs on ynrrr check or money coder made payable to Capital One Bank and mail in the-1wed envelope peoplepcty online \-.111 A better way to Internet. UNLIMITED INTERNET ACCESS CM& 1-888-587-9669 Mention Offer Code: DIAMOND amuror visit www.peoplepc.com/go/diamond PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse Dr guarantee, and is not affiliated with, any product or 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 communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. TeoplePC Online: First 3 months are billed at $4.97 per month; $9.95 per month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. }Accelerator is free for 12 months. Offer good for limited time. After the first 12 months, the Accelerated service will automatically revert to the standard PeoplePC Onine service. Offer subject to change at anytime. With PeoplePC Online Accelerated, certain Web page text and graphics will load faster when compared to standard dial-up internet service. Actual results may vary. Pal Online Accelerated is only compatible with PeoplePC Online Intemetservice and specified WindowsO browsers PwplePC Online Accelerated is not compatible with Windows® 95 with IE 5.5 SP2. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining whether a cad to one of our access numbers will result in telephone toll charges. Access may be limited, especially during Ames of peak usage. Offal-up numbers may be changed at PeoplePC's discretion. Continuous use subject to 6meout procedures. All use is subject to PeoplePC Onine's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. C 2006 PwplePC Inc. Ali Rights Reserved. PeopiePC Online and its logos are trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. g O O O tgOt1 0 7N 0 1. New To Avoid A Fitrms Charge. (race Period. You will haw a minimun grace period of t a ppeeriodic rate. To obtain the average daily balance for the btging period covered by this mammal we take the your account if it has already been dosed. For example, if you audtorized a purchase from a merchant and we t after our h i h i . 25 days without finance charge on new, ppurchases, new rag balance of each segment each day, add any new, a ments and subtract ar a nt c y ron t e merc an receive the transact on accent has been dosed, your ac otM wall be Impoed, ,new apeciel putlseea annd new other balance tr ' ' tre se ty p y , h segna tmmdno s W ea ears on the front of this III the code N a dits the anou t of the tlxnge wig be added to your amotrl you , in charges if you DmY Your total New Balance ccortlerhes with the Importers Notice for paymeym below, a pp or cre . Agrement next to ' Balance Rate Applied To,- we also and you will be responxil for Paymem. If there is a i and in time for it to be credited by your next statement tloaig data.. There is ne grace period on ran edvaees riod i wit ract any unpaid finance charge included in the balance of each aegrvhem.l This gives us the daily balance of each we add up .11 the daily balances for each T1hen m mem nue membership, fee for your mml tls fee will cont robe clanged, to the sheen pam(tta by law, ursil the account belenc?e has been paid in ftdl es defined above. s ern grace pe and sp,ri.1 traxfers. In addtbn, as ho any transaction if you do not pay the total 'New , g . mdod and divide by t total for the es p i t e T =Y==rd r t i ? balance ' us the period. This giv =ber days im h e ill of canheetbn wktn any Inte ng net gambl in . b. Aearnig Fianoa Chrge. Trenase-e s vNddh are not abject to a gram ponied am assessed thence charge 1) verge daily balance of each segment. Rats (APRI. 3. Amd Pero. trans About 8. Net- Abort Eleas y teaeak Osmers6n- When you i 21 undo tux date the ta tran tine Bete of ocdon Anna a. The term 'Annual Percenrage tage Rate' may appear as ' proNgle a c rock as pa pay ur you mahor ze e a ontim r to from your to o make a ors--tiro use intomn Account transaction, Am mai is proce esssed ro yyour or 3) from the iorslly, ppeeco of the current bBgn fire cu t da APR on the Piment rim of this mLIBOR), ts L. I the code P (Prima), L (3-mo. C IC f und bank accent or to your dectroric fund transfer from 6 Prev p y you did id not Pay the "New Balance fron the pmvias b ccrue to d ronem Deposit, nS (Benkcad Prime) cupparper on the ts (r of tat Of IN. this ma the periods ort next to the periodic an When we Process the Payment a as a deck transaction. check from mar clack w make an ,i use i n a i fu re to a ywr t period od in fill, ik mail ca util ih fs unpaid unpaid balance is paid fill. your ueri E RCE , id ce mtea end ANNUAL PERCENTAGE RATES boi nabs they be withdrawn from year bank transfer, fad i yo This meaane mat you mayy stilt owe finance charges, even it the ends Now Belarhce indicated on the front of a ou may vary quarterly rteriy and and may increase or decrease based on the Hated endless, as farad in The Wall Street o ve Wtur account as as soon as the same day the mce paynhem, and you will net receive your chock beck from y y p your statement by the nstd s[nenam dosing doe, but rid Jo anal, plus the margin ppreviously disclosed to you. es Will be INectlve on the firm day of yea Th h you frandnl institution. rot do so for the previole month. Unpaid finance dhanges am added to the appfcede aegnam of yar Acunux. ang ese c billing pedal verod by your periodic matensm ending BILLING RIGHTS SUMMARY tc. Minimum FYwnee G .! For each bilNng period that m minknm to a 11- lar e l l in the month. January, April, July and October. c. If the code D (Prime), F (1-mo. LIBOR) or G (3-mi (In Case Of Enom Or Question. About your BgB if you think you bill Is wrong, or If you need more g , a wi l your acco nt toml FINANCE CHARGE of >0.50 will be imposed. If the LIBOR Repri-ci MontMy) appear on the front of your di nformation on a tnareaction or bail, -to to us on a ossible at the address for heet as soon as t 0 1 firbrhce charge .rig from the application of your period. -.(.I is leas than $0.60, we will sbtrect that c rates staement ran to the period. Wets), the perio and mrresoadire ANNUAL PERCENTAGE RATES may p separa e s nqumes at- on the front of this statemem. We must h a mum from the 90.60 milinuam and the difference, will be vary In tHy and may increase or decrease based on the pits as faxd in The was treet Jouunol tated indices e hear from you no later than 60 days after we son ycu t firm big on which the error on problem appeared. you can biped to the purchase se?M txs u your agxohnt. We reserve the Reduction in F.=oQnarge d T e orer , , s the margin Prcv ously disclosed to you. These charge. call our Cumo ner Fide4ore number, but doing so will rat . t . i p y right to not assess any or all firarce charges for any givoh Will be efectnve on the first day of your b ing period preserve your rights. In your letter, give us the following information: your name and account ramber, the dollar bill paw ixWig New grdsaesl• Awags Daly Balrxe I 2 each month. 4. Asssemwt of Lai Overlrrhit and Rsberhad Paymat Fsss. a rleaed, =ii= anon amount of the suspect= r. h i . a. Rnence large is ealetad y multiplying the daily W h your account will be aseemed no more than two of the tees Under the any billing period d here that occur durin li , . ere s and -explanation, if of wby t an error; or if yea need more Information, a description of balance of each =gram of you account (e.g., cas special transfer, and special purdheee) purchase whence . g me tents of your customer agreement, we reserve the right to the hem y"ou are unaae about. Ym do not have to pay any , , by the mnorapao drg dally periodic acts) that has been waive or not to assess any fees within Cot notification to the same or similar i h i i amour in quemion while we are Imemigati ng it, but you r still obligated to pay the parts of you NII that are net previously disclosed to you. At gm end of each day during we, apply the ddy, periodic rate for each eriod the bill t to assets ng our r g you without wa v fees at a later time. in question. WMle we Investigate your question, we cannon , p sepnent of your accent to the dally bdarhes of each 6.tRersawing Ynar Agmat. If a membartup tea repot you as delinquent or take any action to collect the i segment. Than n the end of ifs Meg pentad, we add up appears on the from of this mstemem, you have 30 amount you quest on. the realrs of theme duly calculations to arrive =a h days from the date tlca statement was mailed to you to the fee or to have such fee credited to you id a in ecter Rule For Credit Card Purchases i t S e petiole fina=1`4 ge fir each ffigmem. We t reallte from to arrive at the total periodic ,vo p y g if you cancel your aesoet. Dump this period, you may , p frame large for you account. To get the daily balance continue to use your account within having to pay the If you have a problem with the quality of properly or for each segnen of your aceant, we take the begiming membership fee. To caned your accarrt, you must s tat you purchased with a credit card and you balance for each mignon and add any new trruectas i h notify us by calling our Customer Relations DepanmeM our 'New Balance' in full (excluding the d a haw. tried in good faith to corl the problem with the the remaining a rig t not to h th c e prev ous aM any edc finance charge celolated on t ubtract an th W p y y an period. membe . fee) prior to the end of the mIny-d y h p hant, you may ave e mer You have this or services ro ert ount due on the y e en s days ahce for that moment. peymats a credo posted ea of that day that am .located % 8. N You C1.. You Aacaat. You can reducer to cow cur Customer Relatlas callin t b . p am y p protection ayy vlsn the purdusa Dries was more tan our home state or d i h l ro tat sgmshL TNa gives us the separate daily below wever ou aid the t H f If g y your accoun You must deaf y your credit cerdfa) and Department aee was ma e n y e purc 950.00 and t Ili we awn or our maling address whhin 100 pules of , y . o p your mean for each segment o our previous stateners In fill (or Now Balance shown m . account access checks, cancel all oreautedzed blllirg, . y or if we mailed you the operate 1M merchant y your new baance was zero or a credit anharn), new and cease ualrr9 your account. If you do not camel , advertisement for the property or services, all purchases ter traneectios which post to your purchase, or special preautherized billing arrangements, we will consider m are covered regardless of amount or location of purchase.) pudsee sopixms am not added to the daily balances. We zction to reop your en receipt of a charge Your wri Please remember to sign all correspondence. calculate the average cagy balance by adding al the daily closed accent. Additionally, your accent will shot .b balances together arid dividing the sun by the amber of until you pay all amounts you owe us including: any t Does not apply to consrumrl nos-credit card accounts the days in the current billing cycle. To calculate your total transactiore you have wthoazed, finance charges, past finance carge, multiply your average daily balance by the dux: tees, oyerlimit time, retuned payment fees, cash =Does rot appty to business ro»-uadit card accounts daily dodc rate arid by the number of days in the billing advance fees and any other fees assessed to your h h pedal. Due to roudng on e daily basis, tare may be a sight variance between this calculation and the amount of et er a-I. Vcu are responsible for these amount. w they appear on your accost at the time you request to Capital One supports information privacy protection: see out l flnar- darga acnuly assessed. ttram of Ma maternam It the code Z c N epp b - It close the account or they ere Incurred s lnequent to your request to dose the account. TMa may reaWt in one.com. webshe at wormcapta Capital One I. a fadarslly r%agmt red service mark of Capital l 0 2003 All i i h . we mltlply the led red ro'Bmlerhes Rate ;; charges appearing on your accent aner you have r .__._ ..,.,_.. _. uccw ,. cry ts rea Ors Finandal Corporat on. r g Capital One 01LOLBAK 5115M Inpatat Notes: your pa}mem will be uad[ad to your eceoun as of tle cute we racalva it, proridetl year sad tie bvttan pardon of this statemem and your clack in the erdoeed remittance onvelope, and ywr ppaaymentn la received h our proceeakg tartar by 3 p.m. Payymmarts adtlreeeed to our WgiNa or Gaorgla procecskg canter moat be rocalvmd on a buekxea day egdeased to qxr Wanhigtan prscesalng cedar must be racdvo0 on a bualreas Bey by 3:00 p.m. PT. Please alkm at learn flvo (6) buaisaa days ion postal by 300 La- dg t -ments received by us at airy otlxr locution or in anetxr form may not be credited the same Bey wo receive tem. Our buuineas days are Marley tisough Saturday, exdudng P, holidays, sa t1o net use staples, paper tcipa, etc, when preparing y'0ur paYmont. When you sand ue a check(s), you euthhorize w to make sane-tone declraic tmrster debit from your berth acefor the smart o the check Ths authaiznion applies to all dicks received during the billrhg cycle even If cart by someone alse. If we carol Process the trarsiar, you authorize hat to make a darga against your bank eesarrt using the dick a paper draft or other item. Now with FREE Accelerator • for the first tZ months'-a $60 value 97 1 1 a month tar $ [W SIGN UP TODAYI ' 1-888-587-9669 Mention Offer Code: PEARL Or visit www.peoplepe.rom/go/pearl Capital()W, Account Summ Previous Balance $2,767.08 Payments, Credits and Adjustments $83.00 Transactions $.00 Finance Charges $30.69 New Balance $2,714.77 Minimum Amount Due $81.00 Payment Due Date March 06, 2004 Total Credit Line $3,000 Total Available Credit $285.23 Credit Line for Cash $1,500 Available Credit for Cash $285.23 At your service To nB Customer ReLtiom or to repon a lost or stolen card: 1-800-903-3637 Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Services Capital One S-im P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information This February Capital One is in the movies! Watch Ebert & Roeper to see their top movie picks and visit EbcnandRoeper.ty to see how you can get involved and learn more about Roger Ebert's 6th Annual Overlooked Film Festival. 003 peoplepu online A better way to Internet. PeoplePC Online offers all the features you would expect from higher-priced Internet Service Providers, including: ® Virus Protection Powered by symantectte )T ® Pop-Up BlockerTM Spam Controls Smarter Smart Dialer Technology ® Ll More Email Addresses 4W (# Internet Call Waiting PLATINUM VISA ACCOUNT 4862-3622-0275-2625 JAN 08 - FEB 07, 2004 Page 1 of 1 Payments Credits and Adjustments 1 02 FEB CAPITAL ONE ONLINE ACH PAYMENT $83.00- -Capital One proudly supports the National Youth Anti-Drug Media Campaign. PARENTS. THE ANTI-DRUG. Stay Involved - Ask Questions. To get the FREE booklet, "Keeping Your Kids Drug-Free," call 1-800-788-2800 or visit www.TheAntiDrug.corn- "Important Notice" You were mailed an Important Notice Of A Change In Terms in your February 2004 statement or were sent one in a letter from Capital One in February. If you have any questions, please call the customer service number on the back of your card. Finance Charges Pleweue reverie ridefor important information Rol rate Periodu Corrrspmrdmg l riAl( J(. d& rate PR , n PURCHASES $2,536.67 .03534% 12.90% $27.79 CASH $129.23 .04082% 14.90% $2.90 ANNUAL PERCENTAGE RATE applied this period 13.06% T PLEASE RETURN PORTION BELOW WITI4 PAYMENT. T Captalow, 0000000 0 4862362202752625 07 2714770083000081003 P/earep-i mailing addrru and/or r-mailr)pxger be! mugbl-orbiae -C New Balance $2,714.77 Minimum Amount Due $81.00 Sneer Apt. Payment Due Date March 06, 2004 Gty Score ZIP Total enclosed $ Home Phone Altemsu Phone Account Number: 4862-3622-0275-2625 Eman Address #9003956580575513# MAIL ID NUMBER Capital One Bank N PETER ISCARIOT r 1 Box 85147 P O 4173 GROUSE CT . . Richmond, VA 23276 r- MECHANICSBURG PA 17050-9116 Pleare unite your account number on your check m money order made payable to Capital One Bank and mail in the endwed envelope. peoplepu online A better way to Internet. PETER ISCARIOT 4173 GROUSE CT UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-888-587-9669 Mention Offer Code: PEARL Or visit www.peoplopc.com/go/pearl 8 d o ? O r? O N PecipePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any Product or service shown here. My trademarks mentioned herein 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 - for example, that you are a Capital One customer. 'PeoplepC Online. First 3 months are billed at $4.97 per month; $9.95 per month thereafter. Offer available to new dal-up subscribers at least 16 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. tAccelerator is free for 12 months. 01" good for limited time. After the first 12 months, the Accelerated service will automatically revert to the standard PeoplePC Online seryce. Offer subject to change at anytime. With PeoplePC Online Accelerated, certain Web page text and graphics will load faster when compared to standard dial-up Internee service. Actual results may vary. PsoplePC Online Accelerated is only compatible with PeoplepC Online Internet service and specified Windowsts browsers. PeoplePC Online Accelerated is not compatible with Windo-0 95 with IE 5.5 SP2. Service not available in all areas. Access fees, taxes, and at& fees and restrictions may apply. Telephone toll charges may apply, even during that pedods. You are responsible for determining whether a call to one of our access numbers w1I result in telephone toll charges. Access may be limited, especially during tines of peak usage. Dial-up numbers may be changed at PeoplePC's discretion. Continuous use subject to timeout procedures. All use is subject to Pec plePC On line's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. D 2006 PeoplePC Inc. Al Rights Reserved. PeoplePC Online and its logos are trademarks of PeoplePC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark All fights reserved. Filling Period covered by this statement, vve take the bagimrq balance of each segnem each day, add any new transactions to each worimrm, and subtract my yments or credits. Ill the code N appears on the front of this statment new to "Balance Rate Applied To,' we also subtract any unpaid fiCance Charge included in the balance of each segment.) This gives us the daily balance of each segment. Then ws add up all the daily balances for each aegnent for the billing period and divide by the tonal rxsnher of days in the billing period. This gives us the average daily balance of each segment. 3. Annual Peroantbwge Rena (APRI• a. The term 'Annual Percentage Rate- may appear as -APR' m the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appears on, the from of this stmwmemt new to the parodic rate(s), the periodic rates and Correspodng ANNUAL PERCENTAGE RATES may vary gmrledy and may increase or decrease based an the stated indices, as found in The Wall Street Journal, plus the margn previously disclosed w you. These changes AN be effective on the first day of your billing period covered by your periodic statement ending In the months January, April, July and October. c. If the code D (Prime), F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appe m an the front of your stawnhern new to the pedodc rate(s), the pedoAc rates aM eerrespahdlnhg ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the stated indices, as foul in The Wet/ Street Jaaaal, plus to margin previously disclosed to you. These changes will be effeclw en the first day of your billing period each month. 4. Asaesamem of Late, Overlmm and Rebrmd Psynwm Fw. Your accoum will be assessed ne more than two of the fees listed hem that occur during any billing pedod. Under the terms of your customer agreemem, A, reserve the right 10 r net to .saes. any fees withoutp 'or notification to you without waiving our right to assess the same ar similar fees at a later time. 5.1-Reawwri tg Yar Aocwm. If a membership fee appears or the front of this statement, %=d- drom the date this batemort wee to you to avoid paying the fee on to have such tee credited to You if you cancel Your account. During this period, you may tontine to use your account wfthrat having to pay the membership fee. To cancel your account you must ratify is by calling am Customer Relatiors Department and Pay yyour -Now Balance' in full (excluding the membershp fee) prior to the end of to thirty-day period. 6. H You Gass, Yar Aoaaad. You can request to Come ==t by calling our Customer Relations Vou must destroy your credit card(s) and accent access checks, caned dl preached w billing, and cease usinP your accent. If You do net cancel preauherized billing e"ancements,.we will consider receipt of a large your authorization tore, an your account. Additional y, your accent will not be dosed until you pay all amounts you ows us including: any tranaectjau you have auherized, finance charges, past due face, ovodimit fees, returned peyment fee., Cash advance tees and any ether tees assessed to your rcotrnt. You am reaponhsible for these amounts whether they appear on your account at the time you request to close the account or they are incurred subsequent 10 sult in your request to dose the account. This may re charges appearing m your accent after you have _ your arrow if it has already been dosed. For example, if you smlherizod a Purchase from a merchant arid we receive to tmnswdm from the mercham after your aceorr has beets dosed, Your account AN be reopened, the amoun of the charge AN be added re Yr assn, and Wyouu All be responsible for payment. If Houere js a memberahp fee for your amount, the fee will centimle to be 1*1 , to the event pemhhtad by law, until the ace. t balance has been paid in full as defined above. 7. Using You Aoowarl.Ymf card or account carnet be used In co necdon with any Internet gmdming transactions. 8. Nod. About Eleatrale Cheek Casveaiun. When you proNde, a check as payment, you atdedze ua either to use information from your check to make a me-time olectrorge fad transfer from your bank aceant or [o pecese the payment as a check trarasetien. When we use Intonation from your check to make an electronic kind trerefer, Aside may be w(theirevm from your bank accent as anon as the same day we receive you paymuent, and you will not receive your check back from your frano.1 rrsdnmm. BILLING RIGHTS SUMMARY (In Case Of Errors Or OueeUms Abort Your Bill) If you think your bill Is wrong, or if you reed mom Informator on a transaction or bill, write to us en a separate sheet as soon as poss(bie at the address for jrpuides shown or the from of the statement. We muet hear from you no later than 60 days after we sent you the final bill en Allen the error or problem appeared. You can fall Our CmmOmer Relations camber, but doing so will nor preserve your rights. In your letter, give ue the fallowing information: your name and account umber, the dollar am of the suspected error, a dese% ofievs thefe Ue ertor is and an explanation, if possible, of why yog hel an error; or if you need more Information, a desedlm(m of the hem you are unsure about. You do not have to pay any amount in question while vve am Investigating It, but you are still obligated to pay the pans of you bill that are net in question. Wide we investigate your question, we cannot report wu as delinquent or take any action to collect the amount you queatm. 4,t Special Rule For Credit Card Purchases If you have a problem with the quality of property or seMces that you purchased with a credit card and you lave tried In good faith to contact the problem with the merchant, you may have the right net to pay the remaining amour due M the p any a services. You have this wshen the purchase price waa more than pwacgen and 950.00 and the pundase was made in your home state or within 100 [ilea of your mailing address, fit we owe or operate the merchant, or if we mailed you the advertisement for rte prepeny or services, all purchases are covered regard! esa of amant or location of Purchase.) Pluas remember to sign all correspondence. t Does rot apply to consumer ran-credit card accounts f Does now apply to (rosiness man-credit card accounts One supports inionmatien privacy Protector: see ou at W -pitalome.cOm. One is a federally rAstefed service mark of Capital ndal Corporation. ll signs reserved. c 2003 How To Avoid A Runes Chenille. t a. trsee Period. You will lave a minimun grace period of 25 days Adntc finance Charge on new pu chames, rew balance transfers, new, special purtluaBa and new other charges if you pay your total -New Balance-, in accordance with the Inhportant Notice for payments below, and in time for it to be credited by your next statement dosing date. Them is - grace period on rash advances and z%--d al tray tem. In addition, there Is no grace period m aen If you do net pay the towel 'Now balance.' b. Awning Fir- Charge. Transactions vlddh are net subject to a grace period am assessed finance charge 1) from the date of the transacdm or 2) from the data the trareactim is processed to your Acco w or 3) from the first calendar day of the moment billing pedod. Addis onolly, if you rid not pay the 'New Bderce' from the Previas billing period in full, finarhce charges condiras to arrrue to you unpaid balance until the unpaid balance is paid in full. This means that you may rA revs fiance darga, evm if you pay the maim New Balance indicated an the from of your statement by the new statement dosing date, but rid nor do se for the preNo a month. Unpaid firunce Charges am added to the eppgra6le segmwm of your Arrant. t c. Mi itsan Fin- iyur .Far each dlFrg pedal that your acceuht Is sublect re a fiance large, a mUnimun [oral FINANCE CHARGE of 90.50 AN be Imposed. If rte teal finance large mald.9 from are %glcetlen of ?ymnt?t periodic rote(s) is less than 90.50, we unit fficr datr amour from the 90.50 minimum, and the diferwfce will be billed to the purchase xpnnxm of your accent. td. Temporary Reduction in Fiharee Charge. We twelve the right to not awass any or all firerce charges for any given billing period. 2. Awspe Daly Balese fihoitdag New PuaMaeaI. a. Finance charge is calaleled 6y muldplying the daily balance of each aegmmt of your aceanw (e.g., cash purchase) advance, purchase, oneopondng d?ailyl periodic transfer, mwew) that 1 been by the c pmvbu sly discoed to you- At the end of each day during the buljrg period, we apply the daily periodic rate for each segment of your arrant to the daily belarce of each eme matlus of Than tase daily ralclatio?rao aarrive ? sat your at the end of the d u4 th periodic finance charge for each segment. We add up the reellrs from each segment to arrive at the tool periodic finance charge for your accent. To got the dairy balance for each regiment of your account, Are take the begimng balance for each segment and add anyy rew tranaacdora and any periodic fiance charge celalamd en the prevkus day's baleee for that segment. We den subtract any payments or credits posted as of that day dot am allocated m that segmwm. TNa gives us the soparsta daily balance for each sagnem of your arrant- llovvevor, If you paid the New Batarhce slaws en yar preNo s statement in fill TO, If ytxr raw baianca was zero or a malt amoral, new treasctons which post to your purchases or special purchase segments am rat added to the dWf balances. We calculate the average dally ?balance by addling all the daily balances together and dividing the sun by the nsrber of this days In the array billing cycle. To calculate your told Antares large, multiply your average daffy balance by the dally periodic rata and by the ember of days in the billing =v= rtnrhdrg en a dairy basis, tam may be between this cakaiatm and the amount of fl- large actually assessed. b. If the code Z o N appnam an to from of this statement nsw to 'Balance Ram Applied To; we multiply the 5772M Imparted Notioe: Your paymwrt vviN he cradtud to your account as of the date wa nerdy h, provided you awl Una bottom portlm of tits natemem and your lack In the enclosed :'V- , and yourpa ymem Is revalued in our processing corner by 3 p.m. Peyymmwma addrwsad to our VlrgNa or Georgia pocesGng corner rout be racdvod m a buenaea day 00 P m. Er. Payenu autdieaaed to ou Waahigtm procesakhg oxmer must be reoxlvd en a buaNheas day by 3:00 p.m. PT. Please allow at least flue (5) Durainese day for postal yry. Paymwtts receved by a at any o[hw location or n arhothar forth may not be credited who same day we receive tlam. Our buairaea ley era Malay through Saturday, oxdudup y. Please da rat ueo a?1ea, paper dlpa, etc. when preparing yoke payment. Wfan you awl u a deck(s), you auftlarize u to make ears-rime eiactfasc trererefer debit hen your bank arrant for the amaan of the dsck Tha aulMdzatm applies to ail blacks received dudrhe the billirhg cycle even d sent by manias also. If we comet precise the trarutar, you 8U[heriZe la to make 8 durge agdnn yalr lank aOCant uairhp 11he Cfack a paper draft a Omar Rem. PETER ISCARIOT 9173 GROUSE CT MECHANICSBURG PA17o5o-9116 CAPITAL PURCHASE CHECK__.) so476 68-6771510 Date 575200-01 CheckeVires4130104 04883 Pay to the order of $ Dollars CBPftd10W Richmond, VA Cardholder Memo Signature unI0476ii' i:OS10067780:86S22024S262Slim Capital0nea Account Summary Previous Balance $2,714.77 Payments, Credits and Adjustments 5.00 Transactions $56.99 Finance Charges $28.40 New Balance $2,800.16 Minimum Amount Due $165.00 Payment Due Date April 07, 2004 Total Credit Line $3,000 Total Available Credit $199.84 Credit Line for Cash $1,500 Available Credit for Cash $199.84 At your service I. Dill Customer Relation: or to report a lost or stolen card: 1-800-903-3637 S-d Payments to: Send ir, u . to: Attn: Remittance Processing Capital One Serv- Capital One Setvias P.O. Bos 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information This month you will receive your 2004 Guide To Benefits, which sets forth all the additional benefits and services you may be 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. PLATINUM VISA ACCOUNT 4862-3622-0275-2625 FEB 08 - MAR 07, 2004 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. Transactions 1 27 FEB RITE AID STORE 3613 MECHANICSBURG PA $21.99 2 07 MAR PAST DUE FEE 35.00 Families in PA EARNING INCOMES UP TO $43,240 per year may be eligible for low-cost or free health care coverage FOR THEIR UNINSURED CHILDREN. If you or someone you know has a child without health insurance, call toll free 1-877-KIDS-NOW for information about the low-cost or free health care coverage programs in PA You were assessed a past due fee of $35.00 on 03/07/2004 because your minimum payment was not received by the due date of 03/06/2004. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges Pleateme reoeru ridefm important information Bafa.nrate Period. Corr2P-,ing 6ma APR P11e m M PURCHASES gpliedto $2,509.82 rafe .03534% 12.90% 525.72 CASH $226.19 .0408296 14.90% $2.68 ANNUAL PERCENTAGE RATE applied this period 13.06% ? PLEASE RETURN PORTION BELOW WITH PAYMENT. czI lOw 0000000 0 4862362202752625 07 2800160083000165001 New Balance $2,800.16 Minimum Amount Due $165.00 Payment Due Date April 07, 2004 Total enclosed $ Account Number: 4862-3622-0275-2625 Pbagn.tmaiiiagadb -J/ e-ma Anrgesbelmunngb! orb/ Fink- Street Apr M Gry Sure ZIP Home Phone Alrernate Phone #9006756580575514# MAIL ID NUMBER Capital One Bank m PETER ISCARIOT P.O. Box 85147 4173 GROUSE CT Richmond, VA 23276 MECHANICSBURG PA 17050-9116 Please write your a-nt number oa your check m money order madepayable to Capital One Bank and mail in the en Jared envelope. r O D D O O O O m Z O a N M Gl O of O z m Mn ?e M m T N O ? 9 D z v Z O (7 9 N Z to 2 _i M it cM O 2 C to _ m N *r z m bnpotarh iafsrrrrfton rgpraiq phsuu alaaok: The ettatled drcek will be treated as a purchase according to the tertna of your Customer Agreement, and any amednems to h. However, it may not qualify for any rewards progrsma. The attached drcek is subject to credit avarlabifity, so you mull have the available credit en the daY Capital One processes your deck (]reek acceptance is also a6jurct to the current statue of your Aceauht, end the drcek may not be Drocessed if your aceant is reatriaed in any way, pest due or in tollectios at the time it is prarased. li the credit is travaitable or your Accent rs not anent as stated, yaw dreck wip be returned upad and you may be assessed a Returned Oreck fee. TNa check ceroot be need to pay down Of pay oft any Capital One Account. Cashing Mir check will tuahfy as using your Account. ®2003 Capital One Services, Inc. Capital One is a tederelly regiadered service mark. All rights reserved. 8 O r' periodic rate. To obtain the average daily balance for the billkp Period covered by this satemart, we take the begrrxrrg balance of each ssgmuxn each doY, add any rew transactions to eatlt aeg Z and a6lrad any payments or credit. (If the code N apposes on the from of this statement reed to'Bala= Rate Applied To,' we also subtract any unpaid flnarrce edarga irrtluded in the balance of each segment.) Thls gives ce the bialy balance of each aegnem. TTren we add tp ell the daily balarnces for each =.1f= filling period and divide by the tmal N the filling pedal. TNa gives us the average dally balarrce of eagdh segment. 3. AmrW Prourrtage Rates IAf+RI. a. The term 'hereon Percentage Rate' may appear as 'APR' o the trot of this statement. b. It the code P IBankcL L ( primeLIBOR), C (Certificate f Deposit), or S () appears on the from of this statement m nooot n t to the periodic rste(s), the Periodic rates and -em: noing ANNUAL PERCENTAGE RATES may vary tuiortedy and may increase or decrease based o nitre stated rrdiem, as food in The well Street =- , Plus the margin Dy enviously disclosed to you. changes will be effective o the fi. day of your tilling period covered by you periodic statement ending in the moths Jarxary, AprN, July and October. c. If the code D IPrimel, F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) apps s o the trot of your statement men to the pedode rate(s), the pedodc ones and correspordir I ANNUAL PERCENTAGE RATES may vary mmtNy and may increase or decrease based on the stated indices, as found in The Wall Street Journal, plus the margin previously disclosed to You. These danger will be effective on the first day of your billing period each moth. 4. Asswamart of Leta, Ovarlis* and Rabnaad Paymwt Fw. Your accent will be assessed no more than [wn of the fees listed here that ocwr during anY tilling period. Under the tams of you r customer ago ent, we reserve the right to net to assess any fees WdW prior notification to ,miw or you vAdcut walNngi our right to assess the same or similar ;=y- r tm. 5. Acmuat. If s membership fee appears w the front of this statement, you have 30 days tram the date this statement was mailed to you to avoid paying the fee ar to have such fee credited to You if you cancel your aceount. During this period, you may cones to use your account without hating to pay the membership fce. To cancel your accent, you must notify us by calling our Customer Relations Department and pay Yatr'New Balance' in full (exdu org the membership fee) prior to the end of the th irtY-day period. 6. N You Close Tots Aoafud. you can request to close yy account by caging our Customer Rated- You must destroy your credit card(s) and e(:COgnt aceea9 deck., cerrC¢I ell preauhodzed billing, and maw using your account. It you do not cancel preautherized bllirg ammg-corm, vac will consider receipt of a charge your authorization to reopen your accent. Additionally, your account will net be closed until you pay all amwnta you owe us including: any transactions you have authorized, finance charges, past due face, owdimit fees, returned payment fee., cash advance fees and any other fem assessed to your cant. You are responsible for these amounts vArether they appear an your accent at the time You request 10 close the account or they are incurred subsequent to your request to dose the account. This may result in chases armeadno on vour account after you have your acceunt if it has already need cloaca. or example, if you authorized a purchase from a mordrem and we receive the naresectim from the merchant after your accent hag lean dread, yon =a wiN ha reopened, toe amount of the charge will bto your account, and you wpN be responsible for payment. If there is a mrrMerslriP fee for your account, the fee All continue =dm=, o toe anent mhtted by law, until the her been pad in full as defined above. 7. Uaig Yeas Aooafd.Your card or account cannot be used in canectien with any Internet gambling transactions. 8. Nmba ADout EMonla Ghaok Cawarsbn. When you provide a deck as payment, you auhorize us dither to use information from Your (deck to make a ono-time electronic ford transfer from you bank accent or to process the payment as a deck transaction. When we use Infomation from you deck to make an dectronic find transfer, furs may be withdrawn from your bank account as soon as the same day Wa receive your payment, acrd you will not reconm your check beck from your frarrtlel institwen. BILLING RIGHTS SUMMARY (In Cass Of Error. Or Que.tios About Your Bill) 1f you think you bill is wrong, or if you creed more ntomtadm on a ttareaeno or bill, write to us o a separate sheet as soon as possible at the address for 'rx pries shorn to the front of this stalwart. We rust hear from you no later than 60 days after wa sons you the first bill on With the error or problem appeared. Yw can call ou Customer Rdatios amber, bn doing so will root preserve Ywr righrs. In your letter, give us the fdI"MFrg information your name and steam camber, the dollar amount '==T' enor, a deacdptio of mho enor and m epossible, of why You believe them I- an error, ar if you aced more information, a description of the hem you are unsure abort. You do not have to pay any amount in questen while we are Investigating it, 1,N you are still 01,1150 to pay the pans of your bill that are not questlo. WNIs we invea0geto you quesa, cannot report you a9 definµam or take any actin too collect the amount you question. t,t Special Rule For Credit Card Purchases If you have a problem with the quality of property a services that you purdassd with a credit card end Vau have tried in faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due an the property ore me. You have tia protecfio aniy who the purrhese price was mom than 450.00 ant the puredase was made in your home state or whhin 100 miles of your mating address. Ilf we owns or operate toe merchant, or if we mailed you the advertisement for the property or services, all purchases covered regmdess of amount or potation of purchase.) Pleass remember to sign all correspondence. t toes rot apply to co-- non-credlt card accounts s toes not apply to business non- ad t card accounts Orre anpPOrts pntormatio privacy protectien: we our r et www.ceptaloe.can. Ors is a federally rap?c?red sorties mark of Capital soda) Corporation. All ngMa reserved. 0 2003 One 01LGLBAK t a.-(laea I+eriod. Vw will haves minimum grace period of 25 days without finance large on hew Purchases, new betarce transfers, maw Wocial Purchases and noun enter esarges if Vou PaV your total === ', aith the Importem ynaehta blow. end In time for it to be credited by your naM statement clreirg date. There is ro grace , the o cash advarras end s y t treaters. ado net Jere Is ro grace Pedod any rersnutlo if you do net pay tie total 'New balance.' b. Aaarrig FYa>,wa Chur9a. Transacdi0re vvildr are not sttbjed to a grace period ate o flounce data t 1} from the date of the transaction or 2) from the data the ad. [resection is processed to your Acceut or 3) tram the fi ts[ cel= daY of the arrant Wlirg pe Nos IY, if you did rot peY M=' Balance' from billing period enMha. centinate to scene [o your -id balance until the unpaid balance i9 paid in full: TNa mess that you ma .owe tinsnce dhergre, oven rf you pay one odes New U.- indicated on the foot of your .tatwearm by r.== natt tloalrhg dote, bbl did rot e1, se for his Plh.Z Marro chorges am added to the epoll-his egnem f your Aa:arht. tc. PAb* an Fiuroa CJrrga. For each MIAng period that your acceunt 19 9ubhex:c l0 a finnrce largo, a mirrkn total RNANCE CHARGE of 40.50 wi. b; knpoaed. If the total finance large easdUrg from the apPllcedion of your Periodic rte(s) is Isers than 90.50, we will ebtract that amont from the 50.50 minimum and the difference will be billed to the purdraae segment of your accent. t' d. Torpor' Raduatio in Fnanoa dirge. We reserve the riot to not assess any or all finance tlarges for any given bilNtg Period. 2. A, Daily Sol- IY anon" Now PuohuraaI- a. France large is celalMod by mdtiplyirg the daily balance of each aZgt of your accoux (e. g., cash by the sorreapordirg dailypedadlcrute(sy tliatall T) been previously dlsdo9ed to you. At to and of each day during the billing period, we apply the daily periodic rote for earn segue t of your eccarm to the dally balance of each tlhe resJts of?tlaee deNY ralalatioro to=, at your up periodic finance large far each segmet. We add up the feslrs from each cegment to arrive a the total perodic finance clarge for Van aCCaut. To get the cagy belece for each aegnent of You amount, wa take da beginning balerrce for aedh ssgneht and add any rew transactions, ant cry periodic finete large calculated an the proveus dayrs balance for [tat segrhent. We Mob aWtrect my peymerms or credits posted n of [tat ley brat em ello ated m that segrhen. Thin gives ns rte spareta dally belanoe for each ssgnom of your acceum. Ibweven, if you d hie Nave Balance shown on your P-I- statement in I (a if your new balance -a zoo or a credit smarm), nev+ tmreactisre wtidh lost to you Ixur'dhass or special purchase aegnoms am not added to tie daily balances. We Iculttte tine average deNyy balance 1,V adding all tie daily baleces together end dNdrg the sun byte number of tal cycle. To cal-l tie days in the axten biYg awra , daily bonne ily baste your by m tie daily a periolarge,dic rata e and ndlVnd by Your the r umber mber daily of days in the )sling period. Due to handing an a daily basis, there may be a sNglxx variance between this celaletio and the amont of finance darga ecnagy esaea9ed. b. n tie tale la o N at ie the front this atemem rem to 'Balance Ras te Applied To: wm multiply the 34289M Irrr)uorted hbtka: Your payment wiY 1,a credited to your accent as of the date we receive It, provittad you send tla bottom portien of this matamunt and your deck In the enrdoeed .pleavelope, and your paymet la received in ou processing comer by 3 p.m. Paymerm addreaeed to vur VlrgkYa or Georgia procosalrg caner moat be received o a busirses day remittance en by 3:00 p m. ET. Paymats adaesaed to ou WaaNrglo processNp center must De reodvod o a buainass day by 3:00 p.m. PT. Please allow at least flue (5) business days for postal delivery. Peyrnote reoeivod DY'a at anY odhar locate a in another form meY Trot be credited tM same daY w'e reoaive them• Gur bwirhw days are MandeY thragh Saturday, exdudkg holidaysse t1, not taco atagens, paper d?a, etc, wlherr preparing yea payment. When you eerd ua a deck(s), you auterize tae to make a ens-tuts olearaic transfer debit iron your bank acearht for the amuun of the check This auttsrizetian applree to ak crocks received duriry to Nllinq cycle averr if sent by saneos elsa• It vre corset proow the transfer, you wteriZa us t0 make a uiarpe agB11151 your bank acexxftt using lha drh:clq, a pepar drab a otlsr item. PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 17050-9116 CAPITAL PURCHASE CHECK so5o6 68-677/510 575200-01 Check expires May3i, 2DD4 04885 Pay to the order of $ Dollars CapitdiCW Richmond, VA Cardholder Memo Signature iis10SO611' 1:0S10067781:86S22027S262SO PLATINUM VISA ACCOUNT MAR 08 - APR 07, 2004 4862-3622-0275-2625 Pagel of 2 Aoootmt Summary Payments Credits and Adjustments Previous Balance $2,800.16 1 08 MAR PAYMENT RECEIVED - THANK YOU $1,700.00- Payments, Credits and Adk stments $1,735.00 2 15 MAR PAST DUE FEE CREDIT 35.00- Transactions $553.87 Finance Charges $13.76 Transactions New Balance $1,632.79 3 15 MAR GIANT FOOD STORES #263 ENOLA PA $30.01 Minimum Amount Due 548.00 4 15 MAR KARNS QUALITY FOOD MECHANICSBURG PA 31.04 Payment Due Date May 07, 2004 5 15 M,6,R GIANT FOOD STORES #263 ENOLA PA 10.01 6 17 MAR GL4LNT FOOD STORES #005 MECHANICSBURG PA 22.29 Total Credit Line 337000 7 18 MAR GIANT FOOD STORES #110 CAMP HILL PA 4.98 Total Available Credit $1, 8 26 MAR RITE AID STORE 3613 MECHANICSBURG PA 16.99 Credit Line for Cash Available Credit for Cash $ 311,,500 500 $1,367.21 9 28 MAR GIANT FOOD STORES #263 ENOLA PA 11.72 10 29 MAR HESS 32430 VA1LS GATE NY 20.00 11 29 MAR PRICE CHOPPER NEW WINDSOR NY 31.56 At your service 12 31 MAR WEIS MARKETS #58 SH MECHANICSBURG PA 49.94 To m1l CustomerRelations or to report a lost or stolen cud 13 01 APR JOHN M SULLIVAN MD&ASS MECHANICSBURG PA 60.00 1-800-903-3637 14 02 APR GIANT FOOD STORES #110 CAMP HILL PA 74.18 15 02 APR THE PATRIOT-NEWS MACTI 717-255-8237 PA 15.40 Send payments to: Send inq a to: 16 03 APR GIANT FOOD STORES #263 ENOLA PA 18.92 Attn: Remittance Processing 17 OS APR RITE AID STORE 3613 MECHANICSBURG PA 76.02 P O ees Box $5 85147 ? P O B Ga?? One 5 oa P.O. Box 850115 18 05 APR KMART 00042754 MECHANICSBURG PA 38.11 . . . . Richmond, VA 23276 %,brn nd, VA 23285-5015 19 06 APR GIANT FOOD STORES #263 ENOLA PA 42.70 Finance Charges Please see reverse side for important information B.(- >de Pero;, din, C-2 - N 11 1 pp dM nde a PURCHASES CASH $1,151.08 .03534% 12.9096 590.93 .04082% 14.90% $12.61 $1.15 ANNUAL PE RCENTAGE RATE applied this period 13.04% PLEASE RETURN PORTION BELOW WITH PAYMENT clpl '- 0000000 0 4862362202752625 07 1632791700000048005 Plosrpr;ntmailingadAnvandorr-+nailrAmsgr:br! miagb/veorblarkink New Balance $1,632.79 _ Minimum Amount Due $48.00 3t mt APc w Payment Due Date May 07, 2004 Ciry Smu ZIP Total enclosed E H-, ?h.. Altetnau Phone Account Number: 4862-3622-0275-2625 Email Address #9009956580575517# MAIL ID NUMBER Capital One Bank PETER ISCARIOT 4173 GROUSE CT 1 F P.O. Box 85 147 111 II1111lI n? tll n?t ? Richmond, V A 23276 on m MECHANICSBURG PA 17050-9116 - _ Pease unite your aaount number on ymu check or hang older madepayable to Capital One Bank and mail in the enelmed envelope. m O D D O O O O m z 0 73 N D M O 0 n a 0 z m ? rn m y o !? T ? Oy ps T Z a z0 0 S r Z 'n N Z c m F. a0 z ? cn x m N >t Irtpartard irkrnmAien r*gw&v your c heak: The attached check will be treated as a purchase according to the terns of your Customer Agreement, aM any amendments to it. However, it may not quality for any rewards programs. The attached check is abject to credit availability, s you must have the avaBe credit en tbe day Capital Ono process- your check Check acceptance is ms ,flea to the curre`ht elate of your Accam, and the check may not be processed if your ahxam I. restricted in any way, :.,,=F in cogediaa at the rime it I. P_=." rocessed. li the credit I. travailade or your Accent is not current as mated, your check will be returned unpaid and you may I. assessed Check I- This check cannot be used to pay down a pay off any Capital One Account. Cashing this check Will quality as using your Account. ® 21103 Capital One Services, Inc. Capital One I. a federally registered service mark. All righs reserved. 8 0 O O 0 s 0 CV peddle rate. To obtain the average daily balance for the billing periaf covered by tda matemoht, we lake the tr?ansacas Ito catch segment sbliact yany payments , and or credits. (It the code N appears on the from of this statement nosa to 'Balance Rate Applied To,' wax alse ainra0 any unpaid finance charge irhiuded in the balarhx: of each segment.) This gives us the daily balance of each .Went. Tan we add up all the dally balances for each segnem for the billing period and divide by the total amber of days in the billing period. This gives us the average daily balance of each segment. 3. Arrad Psrwntage Rseas IAPRI. a. The term *Annual Percentage Rate- may appear as 'APR' on the front of this statement. b. If the code P (Prime), L O-mo. LIBOR), C (Cenifcate of Oepm , or S (Bankcard Prime) appeal on the from of this statement next to the periodic rate(s), the periodic rates and cortespondng ANNUAL PERCENTAGE RATES may vary q lncdy and may incense or decrease based on the stated iMiow, as foul in The Well Street ?oumot, plus the margin pprevieusiy dieeosd to yeu. TMs dtorhgea WII be enectve on the flrat call of your billing period cowrea by your pedadic ma,eme i m erring in the mortha Jarxrer April, July and October. c. I the code D (P=en F (1-mo. LIBOR) .,G (3-mo. UROR Repriced Monthly) appear on the tram of your statement new to the pedodc rote(s), the Periodic rotes anted cerreapehdirg ANNUAL PERC(; E RATS may vary monthly and may increase a decrease based on ire stated indices, as found in The WBU Street Joamal, Plus the margin p usly disclosed to you. These changes will be efiecdve on the first day of your billing period each month. 4. Aaarsuhrd of Later Ovrfm't and Rduned Paynwia Fong. Your accord will be assessed no mom than two of the fees listed here that occur during any billing period. Under the terms of your customer sigmern em, =;a-- the sight to waive or not to assess any fees Wtpp m ratification to you Wthout waling our right to awes the same or similar fees at a later lime. S.tRrhwving You Awsud. If a membership fee appears on the front of this statement, you haw 30 days from the date this st atement was mailed to you to avoid paying the fee or to haw such fee credited to you if you cancel your account. During this period, you may continue to use your accent without hating to pay the membership fee. To caned your account, you must notify w by calling our Customer Relations Department end pay your "Now Balance' in full (exdttdng the membership fee) prior to the end of the thny-day period. e. If You Close Your Account. You can request to dose your ace by calling our Customer Relations tss Department. Yon moat destroy your crag( cam(s) one aunt seems ducks, caned ell Pro hmized billing, and cease wing your accent. If you do rot cancel preauberized tilling arm=,Ms, vve WII cob i receipt of a charge your authorization to too ymr account. Additionally, your account will not ppeen be rimed until you pay all amounts you owe us including: any transactions you haw authorized, finance charges, past due ices, ovedimit fees, returned payment fees, cash advance fees and any other face assessed to your amount. You are responsible for these amounts blether they appear on your account m me time you request to cloy the account or they are Incurred subeequent to your request to close the accarn. This may result In your account amen yon maw charge, appeasing on if yw autndzed a puarcase from a merdham end wee, receive the transaction from the merchant after your account has been closed, your account will be reopened, the amour of the charge will be adtbd to your account, and you will be resgwna Wr peymord.If'If a manheahip fee for your secant, the fce 'If m is is an to be charged, to the r hem, Permitted by law, until the accent balance has been paid in full as defined above. 7. UsN You Aoawrd.Yoo card or account cannot be Load in connection with any imemet gambling trarsacllom 8. Notion Abort Meow" Chsok w either a proNde a deck as P.M., you eutrosize e yo use insmartion from your cock to make a one-time ele.troYC fund transfer from your bank anx:ant or to process the payment as a check trarnaction. When wan use, information from your deck to make an elecroric fund transfer, fuxb may be withdrewn from Your bent account as soon as the same day we, receive yea payment, and you will net rwziw your heck back horn you fir n l Modurtion. BILLING RIGHTS SUMMARY (In Caw Of Errom Or Guestws Abaft Your Bill) If you think your bill is wrong, or if you need more information on a trareaction or bill, write to us on a separate sheet as seen as possible at the address for 'ngulrim shown an the from of this statement. We must but from you no later than 60 de after we earn you the first bill on which to error a problem appeared. You can call o us Customer Relations number, but doing s will not preserve your highs. In your letter, give us the following information: your name and accent number, the dollar scam of the aspecrod rror, a deseri)mbe ertor and an explanation, ii poseaibie, of Wry ,=2 re I. an error; or If you reed more Information, a description of the Item you are unsure about. You do rat haw to pay any amoum in question while we are investiga ing 11, but you are still odi,=. to pay the parts of your bill that are net in question. Whit we investigate your question, we cannot report yen as delinquent or take any action to collect the amount you question. t,t Special Rule For Creell Card Purchases If you haw a problem Will the quality of property or services that you purchased with a credit card and you haw tried In good faith to correct the problem with the merchant, you may have tM dgM rat to pay the re n InIng smart due on =I=- or services. You haw iNa protection any Wrings 0- was mere than 860.00 and tM purtlas was rnede in ymr home mate or within 100 .ilea of your magirg add (It we own or operate to merchant, or if we mailed you tM advertisement for tM property or srvicm, ell purchase are covered regardese of amount o location of purchase.) Please remember to sign all correspondence. t Does rot apply to consumer ronc wit card accounts 3 Does not apply to business roe-credit card ocmunts One appose infomtation privacy protection: we our I at -.fApplelone.conl. One is a rederely registered service mark of Capital uncial Corporation. All rights reserved. a 2003 One 01LOLDAK ta. (}sea Pried. You will have a minimum grace period of 25 days without fit- darge on revs purchases, row balance transfers, new spedal Purtlasm and new other charges if you paV Yuxrr total 'New Balance', in accedence with T= t Nodce for payment below, and in time for it ed by your rheas statement tlosing date. Them is ro grace p¢nal on cash ad"- and spedel trarefera. In agldraan, dare is ro grace period on any tra -ton If you do rhot pay tfhe .at "New balance.' b. Aaauig Ftnrws Chugs. Transactions which are rat abject to a grace period are assessed finance charge 1) from the date of the transaction or 2) from the date the transaction is processed to your Account or 3) from the first calendar day of the curretx dgng paced. Addttionally, if you did rot pay dine 'Now Beaune from the previan bilging period M fW, finance Gauges continue to accrue to your unpaid balance until his unpaid balance is paid in full. This rteare that you may atilt owe frsrhce charges, ¢von if you pay your statementm ontim by the New men Bt, statements: inthe dime, from but did not h s f d o sec for r the closing f previous month. Unpaid finance charges are added to the appppg-W. segment of you Account t c. MlNnun Fit- chary.. for each bill period that scant is to a M1vhca dins t? FRNANCE CHARGE of 50.50 will ?irrhposed. If the total fmance ch. msuld from tM application of you periodic metal is leas than ?0.50, we will attract that mount from the 90.50 minimums and the difference will be axed to the pu rlsae magi sera of your a x xrc. td. Trrparry Rdratisn in Fnanoa Wrga. We reserve the right to =saws; any or all finance charges for any given b uig p 2. Avraga Daily Balrtas IMaatlnhg New grahaseal. a. F(carroe darge is calai'led y mJtipying the daily balance of rah segment of your accen[ (e. g., rash chance, puudase, spedat transfer, and special pur here) by tM corteapondng doily periodic rate(s) that has been prevkcdV dimmed to you. At the end of esch dayy during the dieing period, we apply the cagy Period. rate to mein segnont of your agxxcrd to to d. belerhx of each eagaad. Then et the end of tM dung period, we add tip to resuls of terse elegy calculations ta arnw at ywr periadc firorroe cargo for cab aegmam. we add up th¢ resits from each segued to ardor at the total Periodic finance charge for your account. To gat the daily balance for rah segment of your account, we take the beO r. balance for each segment and add manryy now, transactions and any ppeedodc finance charge calculated on the previaun data belarhce for tat segment. w¢ thou abtred any paymouma or cedis posted es of tat day that am agoca[ed to that seghant. Thls glum w the separate daily balance fa eah aelFrhatt of your .c:z. However, If you tM Neva Belanre shown on yzestmr pno statanern[ in I (or if your new bdaea was or a credit arrrourml, now transectloro wAnicn pmt m yes puadase a spedoi purdas aegnahta em rot added ro the dellY belenxs. We Were the average daily boiarce by adding ell tM dely belerhxs togeter and dividing tM arch by the number of the days kh tM arrest blip cycle. To celalate your total firerie. large, rrNtiPly you awrage daily balance by the daily Periodic rate end by the number of days in the billing period. Oue to rouc@g en a daily basis, tare may be a sg¢n wriance between this ckalation and the amount of fironce ch. a.ragy assessed. b. If the cote Z or N appears on tM from of tda statement rem re 'Balance Rare Applied To,' we mWtply the 4821M =.=%, Paymarna you mail to tae wNl be credited to your account as of to buekesa day we receive it proHeast (1) you sad the bonam portion of this t:wem t and your duck luwroe envdepe snd (2) ymr payment Ian rozdwad in ou pproxeaaing cerner by 3 P.m. LT (12 noon PT). Pleas allow at learn five (6) business days for postal degwry. Paymema received by w at any other location or m anY o1Mr form may not be credted as of the day we receive then. Our bueinwe days am Monday through Saturday, eulucirg holidays. Please do not caw staples, paper d'pa ,i,.= prepanpg your payment. Whon yw :"t d w a d- (a), you authorize w to make a as-time electronic transfer debt iron your bank amount for If. amour of the dsck TMs autlgsizatan applrea 1o all decks reoaveduring the billing cycle even if sent by someone else. If we cannot process the transfer, you authorize w to make a charge ageism your bank account wing the deck, a paper drab or othkeen. 201153 • • Enjoygreater flexib 11 ?/ with the attached Capital One° Purchase Checks! Purchase Checks* make every purchase more convenient with easy account access and no transaction fee. Q Plus - • Make purchases where credit cards are not accepted • Pay off higher-interest-rate balances directly • Access your account anytime, anywhere • Use just like personal checks No matter how you use them, you're sure to enjoy the added convenience CapitaloW of Purchase Checks. But, hurry - they expire May 31, 2004. Use yours today.! whavs in your Wallet?- ` 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 it 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 One processes 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 anyway, 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 maybe 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 2004 Capital One Services, Inc. Capital One ;so federally registered service mark. All rights reserved. PETER ISCARIOT 4173 GROUSE CT MECHAN ICSBU RG PA170So-9116 10503 Page 2 of 2 68-677/510 201153 04885 200.00 Two hundred and 00/100 Dollars Capjta110W Richmond, VA Cardholder Memo Signature I'm 1050 life 1:0 5 1006 7 781:86522D275262Slim PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA Pay to the lie1050Loin 1:0 5 100 6 7 781:865220275262Slim 10504 68-677/510 201153 04885 S Dollars Capftal(DW Richmond, VA N m Memo 10505 68-677/510 201153 04885 S Dollars CaWatfipr(g` Richmond, VA Memo CAPITAL ONE PURCHASE CHECK Date CAPITAL ONE PURCHASE CHECK Date D May 31, 2004 Cardholder Cardholder Signature Ii¦i0505ii¦ 1:0510067781:865220275262Snm CAPITAL ONE PURCHASE CHECK PETER ISCARIOT 4173 GROUSE CT Date MECHANICSBURG PA 17050-91i6 0 n O m z O m m0 D D m-4 N m r My, 9 m o N m m D m co ? > z y r N O 0 Z O O w Z O m < m cm r - m z zf O c 1 O m = 1 l (n m r z n m n T 0 O m m z m O > r N m a D m N m o m T' :0 0 D m co r 3 Z O O z 0 r N O T Z L) n (n Z 0 m m z O z 0 f 33 c 1 N m = * N m ? r z n m n T m O m m Cl) m m m O D 9 0 0 T 0 O m m z 9 M c1 4821M G O z M Q m i N m <a M M o T D S z O 0m r N z m Z Z cm ?r O ? c -i m = * N r z m m z 0 O a N S o I m m m z O O S N m m m m m O S N m m m m m ' First 3 months half-price 97 4 a month; 1 w? $9.96/mc. thereafter v Now with FREE Accelerator for the first 12 monthsr-a 'BO value 202752625 SIGN UP TODAY! 00, 1-877-778-1207 Mention Offer Code: GARNET Or visit www.peoplepc.com/go/garnet peoplepc- online %,-./ A better 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- ® Pop-Up BlockerTM '(j Spam controls AMP Smarter Smart Dialer Technology ® PRER&RAlyresses NIA %9h770*4116 cmwl Or7e. PLATINUM VISA ACCOUNT APR 08 - MAY 07, 2004 4862-3622-0275-2625 Page 1 of 2 Account Summary Payments, Credits and Adjustments Previous Balance $1,632.79 1 30 APR KMART 00042754 CREDIT $3t.47- Payments, Credits and Adjustments $31.47 Transactions $609.75 Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If Finance Charges $20.70 you have already made your payment, please accept our thanks. New Balance $2,231.77 Transactions Minimum Amount Due Payment Due Date $114.00 June 07, 2004 2 06 APR GIANT FOOD STORES #263 ENOL.A PA $10.00 3 07 APR WEIS MARKETS #53 SH CAMP HILL PA 34.55 Total Credit Line $3,000 4 09 APR GIANT FOOD STORES #110 CAMP HILL PA 25.00 Total Available Credit $768.23 5 13 APR GIANT FOOD STORES #263 ENOLA PA 29.34 Credit Line for Cash $1,500 6 14 APR KARNS QUALITY FOOD MECHANICSBURG PA 20.91 Available Credit for Cash $768.23 7 14 APR THE HEALTHY GROCER CAMP HILL PA 17.34 8 18 APR GIANT FOOD STORES #263 ENOLA PA 58.48 At your service 9 20 APR RITE AID STORE 4818 MECHANICSBURG PA 24.71 10 21 APR GIANT FOOD STORES #110 CAMP HILL PA 3222 To aB Customer R&tions or to report a lost or stolen -k 1-800-903-3637 11 22 APR GIANT FOOD STORES #110 CAMP HILL PA 14.43 12 22 APR KMART 00042754 MECHANICSBURG PA 48.46 Send Paymmu to: Said inqu ua to: 13 24 APR GIANT FOOD STORES #263 ENOLA PA 49.95 .Attn: Re danoe Processing 14 25 APR GIANT FOOD STORES #263 ENOLA PA 8.89 Capital One Services Capital One Services 15 27 APR GIANT FOOD STORES #110 CAMP HILL PA 44.28 P.O. Box 85147 P.O. B. 85015 16 29 APR GIANT FOOD STORES #263 ENOLA PA 19.34 Richmond,VA23276 Richmond, VA 23285-5015 17 01 MAY GIANT FOOD STORES #263 ENOLA PA 59.59 18 03 MAY GIANT FOOD STORES #263 ENOLA PA 41.31 19 03 MAY THE HOME DEPOT 4120 MECHANICSBURG PA 14.71 20 05 IvLAY GIANT FOOD STORES #110 CAMP HILL PA 21.24 21 07 MAY PAST DUE FEE 35.00 "Important Notice" Your account terms have been adjusted as previously disclosed. All other terms and conditions remain in fiill force and effect. Finance Charges Pleareseereverse rideforimportantinfo ation dmg Jess : rat< Per oa C s{,onR MIAI?I8E AIj } f ! appiudfo raf b S PURCHASES $1,845.74 .03534% 1190% $19.57 CASH $9107 .04082% 14.90% $1.13 ANNUAL PERCENTAGE RATE applied this period 13.00% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362202752625 07 2231771700000114009 New Balance $2,231.77 Minimum Amount Due $114.00 Payment Due Date June 07, 2004 Total enclosed E Account Number: 4862-3622-0275-2625 Capital One Bank P.O. Box 85147 1 r l nlurl?r?r?r?r?rrl Richmond, VA 23276 ?n?r?u??ur?r??nrlrllu??ur??nr?Inr??m??nr?Inrl?ur? PkarepriN mailingadrbrua? r-ma/fdnmd<s brlwr ssnurb! orb! .f iRE St Apc ! Ci,y Snre ZIP Home phone Alternate Ph— e F ZAddr- #9012956580575512# MAIL ID HUMBER PETER ISCARIOT r• 4173 GROUSE CT - MECHANICSBURG PA 17050-9116 ° ? ?ur???ur??Iuulr?r??ur?r?nnr??ur??r??ulr?u?r?nu?r?? Please unite yow account number on yow check or money order made payable to Capital One Bank and moil in the enclosed -6e 6e. peoplepa- online u A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: GARNET Or visit www.peoplopc.com/go/garnet 8 O O ro p tN PecplePC is solely responsible for this offer, and is riot affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown have. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved, By responding to this after, you may be communicating information abort yourself to the company that provides this product - for example, that you are a Capital One customer. 'Pa lePC Online: First 3 months are billed at $1.97 per month; $9.95 per month theraal Offer available to new dial-up subscribers at least 18 years of age and may rat be redeemed with any other offer. Ofler subject to change at any time. Phone technical support available for $1.95 per minute. 'Accelerator is free for 12 months. Offer good fo limited time. After the first 12 months, the Accelerated service will automatically revert to the standard PeoplePC Online service. Offer subject to change at anytime. With PeoplePC Online Accelerated, certain Web page text and graphics will lead faster when compared to standard dial-up Internet service. Actual results may vary. PooplePC Online Accelerated is only compatible with PeoplePC Online Internet service and spealied Windows@ browsers. PeoplePC Online Accelerated is not compatible with Windows@ 95 with IE 5.5 SP2. Service not available in all areas. Access fees, taxes, and otlha fees and restrictions may apply. Telephone too charges may apply, even during trial periods. You are responsible for determining whether a call to one of our access numbers will result in telephone too charges. Access may be limited, especially during times of peak usage. Dial-up numbers may be changed at Peoplei discretion. Continuous use subject to firri procedures. All use is subject to PeoplePG Online's Services Agreement and Acceptable Use Policy. 58K is the maximum speed of mil actual speed may vary . 0 2006 PeoplePC Inc. All Rights Reserved PeoplePC Online and its logos are trademarks of PeoplePG in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. rpeilock rate. To obtain the average daffy balance lot the !r period covered by this statement, wt take the begm. balance of each segnnem earn day, add any new transactions; to each =,ent, and subtract any payments or credits. (If the code N appeam an the hunt' of this statement nose To -Balanc Rate Applied To,- we also subtract any Upaid finance charge included in tha balance of each woman'.) This gives us the daily balance of each segment. en, we add up all the daffy balances for each segr0ermt for Then, billing period and dvide by the total number of days in the burg period. This gives us the -age daily balance of each segment. 3. Anrual Proanaage Rts fAPRI. a. The term 'Annual Percentage Rate' may appear as APR' on the from of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appears a the from of this statement next to the periodic rate(s), the parodic rates and wrimspodxg ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the anted V-st, as farad ia The Well Street Journal, plus dine margn ppreviemly dedaeed to you. These charges will be aNectlve on the float day of you billing period covered by yar periodic statement erring n the marthm Januery, April, ,hl and October. c. If the code D (Prime). F 0-mo. LIBOR) or G (3-mi LIBOR Repriced Monthly) appears on the fuss of r eaternent next to iha pedodc rate(s), the pedodc rayoutes and ceneapondng ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the stated indices, as found in The Wed Street Joaaal, plus the margin Previously disclosed to you. These range. will be effective on the first day of your billing period each month. a. Aassamar of late, Overlook armd Raeand Paymri Fes. Your account will be assessed no more than two of the fees listed here that occur during any billhp period. Under the terms of your customer agreement, we reserve the right to waive or not to asses any fees wideut prior notification to you without waiving our right to asses the same or similar 6.tf sfng ees at a later time. appeals t Aumant. If a membership fee on the from of that statement, you have 30 dayys from t doe this statement haw such mailed to you to avoid paying g the fee or to o have such fee crested to you if you caned your account. During this period, you may continue to use your accent without having to pay the membership tee. cancel your acoartt, you must ust ratify by calling our Custeer Rdationa Departmont and prey y your "New ew Balance' in full (excluding the membership ore) prior to the end the thirty-day period. 8. N You Chose You Amara, you can request to dose your accounty,y calling our Customer Relations Depenmem. ou mutt destroy your coast card(s) and account access checks, cared a1 preaurthodzed billing, and cues using your accent. If you do not cancel pretuthodzed bllitg arrangements, we will coraider receipt of a dirge your authorization to mope your accent. AddufonellV, Your account will not be dosed until you pay all amounts yai owe us including: any transactions you have authgdzed, finance charges, Past due rose, ovedimlt fees, returned payment tees, cash advance fees and any other fees assesed to your accent. You are responsible for than amounts whether closet the accoum your they areal-urred esubaequn t to to your request to dose the accent. This may malt in charges appearing on your accohan after you have your account if it has already born dosed. For example, if you audndzed a Purchase from a merchant and we ...I- the tmomed , from the merchant after your accent has been dosed, your scent will be roepoed, the amou , of the charge will be added to your scout, mtyou I responsible fill peym i If dhow is a bbee P YWr accost, the fix will conckxte m be ohanged, to dine sires pemhitted by law, until the accwn balanc has been peed In fill as deflr d shove. 7. Haig Yen Asaead.Your card or account carrot be used fn crr.cuten win nny kawrow gambling transactions. 8. Notts About LleWOnhio gook Qawasbrr. When you proNde a check as payment, you authorize w rinser to use information from you cock to make a ona-time electronic fund transfer hem your bank account or to process the payment as a cock trarso-d n. When we, use infomution from yar duck to make en electronic fund transfer, funds may be withdrawn from your boon[ account as soon as sire same day we meme yav paymo t, and you will not re-ii your dock bnck tram your financial institution. BILLING RIGHTS SUMMARY (In Cane Of Errom Or Guestlors About Your &N) If you think your bill Is wrong, or if you need more Mormation on a tranaactlon or bill, write to us on a separate sheet as sacs as possible et the addros. far I=t" shown on the from of this statement. We must hear Iran you nc later than BO dayyss after we town you the first WTI on wltich the amen or problem appeared. You can call our Customer Relations rxmnber, but doing so will not preserve your rights. In your letter, give us the following information: your tame and accent number, the dollar amount of the suspected enor, a dwcdption of the error and - ehplanotion, if possible, of why you believe them is an enor; or if you red mom infa-von, a description of the union, you are unawe am. you do sat have to pay arty amount n question while we are investigating It, but you r sd1 obggafed to pay the pans ail your 1501 that em not in question. WNIF, we Investlgato yar question, we cannot mpon you as delinquent or take any action to collect the Foment you question. I J Special Rule For Credi Card Puchame If Yau have a problem with the quality of property or a 1 you purdhasetl whin a credit card and yvu have tried 1. goal faith to correct the Pr-W- with rime e eroant, you may have the right not to pay the Famishing main due on the pr ray OF seMCes. You have this protection only when the purrhas rice was mare than $5000 and the purchase s made in your home state a within 100 miles of your m: irg address. (If wo own or operate the merchant, or if we mailed you the advertisement for the property a sMeft all purchases are covered regardes of amount or location of Purchase.) Reese remember to sign dl correapader- .t Does not apply to consumer non-credit card accounts t Does rol apply to business ron-credit card accounts One elpporta Information privacy protection: we our at www.captalone.cem. Ore is a federally rep'stared service mark of Capital andal Corporetion. All fights reserved. 0 2003 J 'a. Onsets Period. You will have a minimum grace period of 25 days without !nonce dharga on new purchases, new, balance transfers, now, special purcases and new, oother co you ? the your treat 'New (ielence', h to and In time for it to be?creeted by your next macco w. nan dosing date. Them is no grace period on rash advances and spedd tra sfors. M addtlon, there is no place period on any trarreacUon if you do urn pay the trial 'New bslenoe.' b. A.-Aing Fihaas Chaffs. Trarsacfias wfYdh are not augox to a grace period are asesed finance charge 1) from tM date of the tone- oo or 2) from the date the trans-doh he processed to your Account or 3) from the first calendar day of the currant bilfi g period. Additionally, if you ropay unit, 'New Balaefrom the provian billing e n full, fora oe cilia gos continue to acruo to You upaid balance uhtl the updd balance I. paid in full. Tlls msre that you mey? a *1 owe franc?e charges, even if you pay cline errfre New Balance kxirated on the from of you aetemen by the next statement dosing date, but rid not tb so for the previous month. Unpaid finance dirges are aukted ro due aPplk:abie .somas of your Acemi. t c. kimicaan Ffnaas f7hags. For each billing period that your a- is abject to a flrhance ="P Loral RNANCE CHARGE of 80.50 Momd. It the total flnerncs flange res ldrp from do Uicadon of yyonuurr Periods ram(e) is I s than $0.50, we cure subtract dhat amens iron the 30.60 mi-imun and the difference'A be biped to the purdaae sagnua of your acorn. t d. Tsttpe ray Radiation ih Fihaws (langs. We reserve the Ft ro rot asses any or all firance changes, for my given Wlirq Period 2. Avsraga Daly Balaws IiwirdYq New Pudassl. a. Fnanee charge is calculated by multiplying the daily balancm of pooh segue t of your acceunt (e.g., cash advance, purchase, special transfer, and special pureness) by the c-msfwrrLg daffy pedadc rate(.) that has been previously disclosed to you. At the end of each dei? wing the billing period, wo apply the dally periodic rate for each aegrnamt of your atrnur[ to the tld.y balance of each segners. Then on the and of the billing period, add up wo, the remits of them daily calculations to arrive a your Period- Manor carpe for each stgrrant. We add l molts from each segment to arrive in the tad pedodcxt flrarce charge for you amount. To gat the daily balance fo each -rent of your acccar, we take the beginning balance for each sagnent and add my new, traieocuors and a odic Malice charge calculated an the previap day. for that Fairmont. We than attract eny payments w umxlu posted s of dot day that am altoosbd to that segment. This gives us, the separate dally balance for aech segnerht of yea acorn. Howevw, if you pdid the Haw Bderhce slnovm on you preNaa ateteman In itug lot if your new, bosom ws zem or a credt amour), now, trarsacdas which post to your pucahase or special Purchases segments aft not added to the ddlY balances. We calculate the averegm daily bdanee by adding all the daily balenrrs together end dvidnp the sun by the cumber of the days in the current billing cycle. To calculate your total drence, serge, malriply your average daily balara by the deBy periodic rte and by the number of days in the billing period Due to rendrg on a daffy basis, there may be a sg?ht variance 6anveerh dace ralaletlm and the amour of a- charge actually seaweed. 6. If the code Z or N appears on dine tram of this statement next to -Balance Rate Applied To,- we multiply the 9007M Inrpatad NoWS. Payments you mail to us will be credited to your attain es of the business day »e racdve n, provided 11) you sad the =r rtion of this statement and your check In time encsed remittance audios and (2) your payment is recdvetl in au pprxesdng carter by 3 p.m. ET 112 noon Pn. Please Blow at 151 buaireaa days for postal delivery. Payments r c lZ by w at any other location or in any Oder form may riot be credited as of tine de vsa receive them. Our hominess days are Monday through Satwday, axchdrp holidays. Reese do not we staples pap=K!, altydmn preµedrg y}roouur peent. Who you sad w a deck(s), )rou audedze tot to P. a We-Pme electrmc trare let debit iron your bank accent for tho amtwrt o tha 7Na audedzauan applit,a to a I decks facerved during the Willing cycle even if son by sanest dam. If we carnet promise the raster, you authorize ore to make a charge ageirst your bank assent wing the deck, a paper draft or Oder hem. 998 CapitalOne® Your Credit Future Is In Your Hands what's in your wallet?- Capital One" wants to give you all the help we can in managing your finances. To make the most of your time and money, take the following steps to maintain your good credit. CHECK IT: Review your credit report at least once a year to check for errors or fraudulent activity. FIX IT: Contact the credit bureaus and credit card providers to correct mistakes on your credit report. USE IT: Demonstrate wise use of credit. Make purchases regularly and pay your account on time. WATCH IT: Maintain good credit by keeping your balance under the credit limit and pay your bills on time. CONTROL IT: Moderation is key. Don't max out your credit. 9W-1101 PLATINUM VISA ACCOUNT APR 08 - MAY 07, 2004 4862-3622-0275-2625 Page 2 of 2 Account Summary You were assessed a past due fee of $35.00 on 05/0712004 bemuse your minimum payment was not Previous Balance $1,632.79 received by the due date of 05/07/2004. To avoid this fee in the future, we recommend that you Payments, Credits and Adjustments $31.47 allow at least 7 business days for your payment to reach Capital One. Transactions $609.75 Finance Charges $20.70 New Balance $2,231.77 Minimum Amount Due $114.00 Payment Due Date June 07, 2004 Total Credit Line $3,000 Total Available Credit $768.23 Credit Line for Cash $1,500 Available Credit for Cash $768.23 Atyourservice To pill Customer Relations or 1. report a lost or stolen card: 1-800-903-3637 Send payments to: Send inquiria to: Attn: Remittance Procruing Capital One Setviea Capital One Saviaa P.O. Box 85147 P.O. Bar 85015 Richmond, V.A 23276 Richmond, VA 23285-5015 Qn V PLEASE RETURN PORTION BELOW WITH PAYMENT V 0000000 0 4862362202752625 07 2231771700000114009 P4arepriat rn I.g andl? r-mailrh rbr! .viagb( orblocF i.k New Balance $2,231.77 Minimum Amount Due $114.00 sveet Ap, Payment Due Date June 07, 2004 Gty Srare ZIP Total enclosed $ Home PM.. Alu...te Phone Account Number: 4862-3622-0275-2625 Capital One Bank P.O. Box 85147 Richmond, VA 23276 #9012956580575512# MAIL ID NUMBER PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 17050-9116 PI-e vniteyour aaouat numbs on your check o money order made payable to Capital One Bank and nail in fhe enlaced envelope. Capital0ne" what's in your wallet?"" The sups to maintain your good credit are provided by Capital One. In conjunction with Consumer Action (www.consumer-action.org). ® zoos Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 9007M Yrportant Notlaa: Poymems you mail to us will be credited to your eocoun ae of the bueinesa day wa recelva h, provided (1) you send the bottom portlon of 1Hs natemem end your dtack In the atcloasd remittance envelope nd 12) your paymem Is resolved M au alnq cane by 3 p.m. ET 112 mat Pn. Pleaao allow at lean gve (b) 6ualrreas days for postal dalivary. Paymerna received by ua at any outer bcadan or in any other form may mt ba cragtal as of the clay we receive than. W burnees days.are h1aWeY thrw¢t Saturday, etxkrdrq hdidays. please do not taae sages, paper diw etc. when PreparYp jrour paymem. `Mien yw send us a check(, you auUtorize us to make a atatsne electroNC trarrefer debit from your bank accwn for the want of the dteck This autlwdzatlon applree to aA checks receved durirq the biNirq cycle even ii son by saneaat else. li we carrot paows the transfer, you authorize us to make a charge against your 6enk aocarn usirtp the check a paper draft a other hem. CAPITAL PURCHASE CHECK PETER ISCARIOT 10554 4173 GROUSE CT 68-677/510 MECHANICSBURG PA 17050-9116 Date 575200-01 neckeViresJuly3r, 2004 04889 Pay to the order of $ Dollars /? CapitalO}'jQ'Richmond, VA Cardholder Memo Signature ugIOSS41i' i:OS10067781:aGS 22027S262Se Cap/tap/t Account S Previous Balance $2,231.77 Payments, Credits and Adjustments $133.98 Transactions $535.81 Finance Charges $37.31 New Balance $2,670.91 Minimum Amount Due $80.00 Payment Due Date July 07, 2004 Total Credit Line $3,000 Total Available Credit $329.09 Credit Line for Cash $1,500 Available Credit for Cash $329.09 At your service To call Customer Relations or to report a lost or stolen -1:- 1-800-903-3637 Send paymmu to: Send inquvia to: Attn: Remittan« Prom-sing Capital One S-,- Capital One S-1- P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 PLATINUM VISA ACCOUNT MAY 08 - JUN 07, 2004 4862-3622-0275-2625 Page 1 of 2 Payments Credits and Adjustments 1 10 MAY CAPITAL ONE ONLINE ACT] PAYMENT $114.00- 2 20 MAY KMART 00042754 CREDIT 19.98- Transactions 3 06 MAY KMART 00042754 MECHANICSBURG PA $47.97 4 08 MAY GIANT FOOD STORES #263 ENOLA PA 71.29 5 11 MAY GIANT FOOD STORES #263 ENOLA PA 36.44 6 13 MAY GIANT FOOD STORES #263 ENOLA PA 20.55 7 15 MAY GIANT FOOD STORES #263 ENOLA PA 13.14 8 19 MAY THE HEALTHY GROCER CAMP HILL PA 52.37 9 20 MAY GIANT FOOD STORES #263 ENOLA PA 22.25 10 24 MAY GIANT FOOD STORES #263 ENOLA PA 22.64 11 25 MAY WEIS MARKETS #58 SH MECHANICSBURG PA 2234 12 28 MAY GIANT FOOD STORES #263 ENOLA PA 71.13 13 29 MAY GIANT FOOD STORES #263 ENOLA PA 45.63 14 31 MAY GL4NT FOOD STORES #263 ENOLA PA 19.31 15 04 JUN GL4NT FOOD STORES #110 CAMP HILL PA 51.75 16 07 JUN CAPITAL ONE MEMBER FEE 39.00 "Important Notice" Since your account was past due, your Annual Percentage Rates (A.P.Rs) have been increased as previously disclosed. All other terms and conditions remain in full force and effect. Please be advised that under the terms of your account, your A.P.Rs are subject to additional increases if you fail to keep your account in good standing. Want to reduce your A.P.R.? if we receive your minimum monthly payment on time for the neat sat consecutive billing periods, this account will be reviewed for a possible A.P.R. decrease. Finance Charges Pleare.reermersesidefor important information Rd-f' paned: Car pond ngIAN & pplirdfv 1.1e R l;ri PURCHASES $2,340.15 .04929%P 17.9996 $35.76 CASH $91.18 .OS477%P 19.99% $1.55 ANNUAL PERCENTAGE RATE applied this period 18.07% PLEASE RETURN PORTION BELOW WITH PAYMENT G40 e, 0000000 0 4862362202752625 07 2670910114000080001 New Balance $2,670.91 Minimum Amount Due $80.00 Payment Due Date July 07, 2004 Total enclosed $ Account Number: 4862-3622-0275-2625 P/arprxtmaling dal rra r rcaifr5mg+be/wurrixZK orVwk k sv- Apc M Ciiy Snt< ZIP Home Phone Alc ... a Phone #9016056580575517# MAIL ID NUMBER Capital One Bank PETER ISCARIOT P.O. Box 85147 4173 GROUSE CT Richmond, VA 23276 MECHANICSBURG PA 17050-9116 Please write your acroant numbs on yow rherl m money order made payable to Capital One Bank and mail in the mclcaed envelope. F O 9 0 O O O m z O 9 to 9 m c? 0 0 z M U) 9 9 m "I am Oy 9 y T_ Z ? z0 oa F- z? y 2 --I N ?m m cr _i O z tCn S in *r z rn bgartert w1ornsi iah regrdng yo r drank: The attached check will be treated as a purchase according to the term. of your Curtaner Agreement, andaiOne any amendments to h. However, it may not qualify for any rewards programs. The attached check is subject to credit availability, so yw must have the available credit en the day Caph processes your deck Check acceptance is also abject to the current status of your Account, and the check may rot M processed if your ..coon is restricted in any way, past due or in collection at the time it is procemed. If the credit is unavailable or your Account is net cumem as stated you creek wiY be rmumed unpaid and you may be assessed a Returned Check fee. This check carhret be reed to pay down w pay off any Capital One Account. Cashing this check ;;ill quality as recoil your Accent. ®2003 Capital One Services, Inc. Capital One is a federally registered service mark. All righa reserved. 8 O O Q O CV periodic rate. To obtain the average daily balance for the billing Period covered by this statement, we take the beginnng balance of each segment each day, add any new transactions to each segment, and subtract any payments or credits. (If the code N appears on the front of this statement nee to -Balance Hate Applied To,' we also subtract any upaid Imarhce charge irucuded in the be]- of each eregmem.) This gives can tte daily balance of each segment. Then we add up all the de0yy balances for each sepnem far the billing period and dvide by the total nuanber of days in the billing period. This give. ce the 99ee dally balance of each aegnent. 3. AnaY Preentape Razes fAPRI- e. The term 'Antral Pereenuge Rate' may appear as 'APR' on the front of this statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), a S (Bankcerd Prime) appears m the front of this statemat netts to the periodic Farels), the period. rates and cermapadng ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on tte anted indees, as fond in The Wet! Street J.-I plus the margin ppreviously disclosed to you. These tlhangea w1N be effective on the first day of your billing period covered by your periodic statement ending in the months January, April, JWY aM October. c. If the code D IPrime), F 11 ino. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appears on the 1- at your statement next to the periodic are(a), the period. rtes and corresporhdng ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the stated imices, as fond in The We# Street J."net, plus the margin previously dadosed to you. These changes will be effective on the first day of your billing period each month. 4. Assessment of Leta, Ovrinnit end Rw mad Peynnert Ewa. Your account will be asseread me more than tyro of the fees listed hem that occur during any blil(ng period. Under the tams of your customer agr ent, serve the night 1st waive or not to assess any fees without poor notification to you without waiting our night to .saws the seme or similar fees at a later time. S.tRe newliV You AcaouhL If a membership fee appears on the from of the statement, youilheve 30 days from the doe the statement was maed to you 10 void paying the fee or to have such fee credited to you if you cancel your accent. During this period, you may continue to Free your account without having to pay the membership fee. To cancel your account, you must notify us by calling our Customer Relations Department a pay your 'Now Balance' in full (ewtluding the mbemNp fee) pd., to the end of the thirty-day period. 6. If You Class You A.-ord. You can request to dose your account by calling cur Customer RelFrias Department. You must destroy your credit cam(.) and account access checks, cancel all pmauthodzed billing, and cease usirg your accent. If you do rot cancel prauuthorized b ling arrangements, we will eoraido, receipt of a charge your authorization to reopen your account. Additiaally. your account will ret be dosed until you pay all amounts you owe us including: any tansactias you have authorized, finance charges, past due fees, ovedirrr fees, returned payment fees, cash advance tees and any other fees awaaaed to your accent. You am responsible for these amounts whether they appear an your account at the time yon request to close the accent or they are incurred suhaoque t to your request to dose the a-.. This may result in charges appeasing on your account after you have your account if it has already been dosed. For example, if you atutihorizai a purchase from a merchom and we receive rho transaction from the merchant after your :.cant has been closed, Your wccurFt will be reopened, the amount of the charge AN be added to your account, and you will be responsible for payment. If tMre is IF membership fee for Your account, the fee All cord- re be dargad, to the exmm pemurted by law, udI the scant b arhce has bent paid In foil as deM1red above. 7. Using Your Aoeanr.Yow card or account cannot be used in con-don with any imemet gambling tr byre. 8. Nofwhw Abort as CMok urabn. When you provider acheck as pay payment, you u authorize make a ar dither to tee iomurion vi from your deck to make a or to furvi payment r from your bank aces. cant When to makeian we process the e payment as a check transaction. use Information from you deck to make an van a nk TW tnt as sh? may be clay we n from you benl eCaOalt as aa1 as the game day we reL'eiVB Your payrnwm, and you will not receive your deck beck from your Memca institution. BILLING RIGHTS SUMMARY (kit Case Of Errors Or Questions About Your Bill) If you think your bill la wsang, OF It you reed mom informatim on a trareacti or hill, write to us on a separate sheet as soon as possible at the address for inquiries shown on the front of this statement. We must hear from you no later than 60 days after we sum you the first bill an which the error or problem appeared. You can call err Customer Relations number, but dalrg m will rat preserve your rights. In your letter, give us the fallowing information: your name and account number, the dollar emaont of der suspected er r, a description of tie error end en wplarelion, if pmsible, of vfiy 1'0u believe there I. rmr, or it you trod more information, a descriptim of the hem you em tenure .ben. You do net have to pay any amour in quearion wide hn+e are invest igating It, bun you are still abNgeted to pay the pans of your bill slat are not in question. WN[e we Inveam C1 your question, we cannot report you as delinquent or take any action to collect the amount you question. S,t Special Rule For Credit Card Purchases 1'cu have a Pro" mh with the quality of property a Mora that you purcaad with a credit card ad you have tried in good faith to cancer the problem with the merchant , you may have the right not to pay the remaining amain due on == ny or seMcm. You have this protection only purcaae ce was mare than 550.00 end the purcase was ma in your home state or wi11. 100 miles of your maaing address. (If we own or operate the merchant, or if we mailed you the achimisemem for the property or services, ail purchases are covered regardeas of amount or location of pachase.) Reuse remember to sign all correspondence. t Does not apply to aasumar non-credit cad accounts 2 Does rot apply to business non-ucolt cad accounts Capital One supports tntormation privacy protection: see our vrebale at wwwrtalo.com. Capital One is a federally Flattered seMce ..,it of Capital One Financial Corporation. All rights reserved. a 2003 Capital One 01 LOLBAK 1. l.bw To Avoid A Freres Charge. t t law Period. You will have a minimum grace period of 25 dabs without firence dhargo an new Purchases, new balance transfers, new special purchases and new other cargos if you pay your tool 'New Bolance-, in aceordonce with the Important Notice for payments below, b h time for it to be credited by your rext statement is no grace pedod an cesh'(I' dosing datei=. and spealal . In ddtlen, there Is no grace period W my tmraa.-tim If You do not pay the Feral -New balance.' b. Aenukhp Fihahoe Chang . Trereactiare wiidh em not sugax to a grace period are assented flrence ciherge 11 from the date of due trareactlon a 2) firm the date the trasactian is Proceenad to Yon Account Or 3) from the fiat cekrder day of the alrrerrc bal'ag period. Additionally, if Ycu did rot Pay the -New Balance tier. the proviorn hiNing period in full, finance charges continue to accrue to your egad balance until the unpaid balance is pad in full. TNa mean. =XD u may stiY owe ikhonce tlargm, even if You pay the New Balance indcetal on the from of your L.= by th'==-C- did not do so for the pkUnpaid am added m der ble segnem of yen Account. t c. Mkbram Pinaae Charge. Fur each bilYrp period that your accwh[ is abject to a fr arce dtarge, a mirirnun [eta RNANCE (]LARGE of 50.50 wNl be impa®d. If the wauh teal flrance cga ma8tlrq into the apPlicatbn of yyr periodic rate(.} ,;M hem than 50.50, we AN subtract dhat amount from the $0.50 minimum and the difference will be billed to the purdase sapnem of you accent. 'r d. Tenpasry R.duabn in Fihahee Chrge We reserve the gquMt to rte .seas r any or dl finance charges for my given biNkhg pedal 2. Average Daiy Belerae Ikwktj New Pvahaswl. a. Finance large is celaaaled v multiplying the daily balance of each aegnax oft errofer?aMnt (spade cepurdase) advance, Duda , apetle by the nd-t:1 ly periodic =1t cat hest bent prevlouslY dsdosed you. At the end of each day dxirg the dYkg period, we apply der deNy periods rata for each segment of an accent to the bli bdanrx of each -Frent. at the d. - up ,he resuitsTOf these darmd of I- to? a yadrm pedode Manta charge for each sagnax. We add up the reabs fran ouch eBO.ant m amts at the tote periodic firertce Uarge to yen ecceunt. To gw de = balance our each segment of your accounm, we take the begirvirq balance for each wornme mid add my new transactions, and any ppeeriodic frharee charge calt?atd en the Peevicue days belartce our cat aepnoht. we then subtract arty peytnent9 w cradle pasted as of clot day that are allocated to that segos,[. This gives m the separste daily baance for each segos. of yon accent. Howawr, if you paidot the New Balance shown on your previous statement in fW if your new balance was zem or a credit amount), new wernewtlore which post to your purchase or special purchase segnerhb am net eddd to thedaily ba mole. We calculate e avo rega elegy balantce by adding aY t/e daily ti balancs, together and dvidng the sun by the number of the days in the current billing cycle. To calculate your total finance charge, multiply you average daily balance by the doily periodic rate and by the ember of days in the bilgmg penal. Due to murdng an a daily basis, them may be a slight valance between this calc latlon and the arn-t of finance char , acually assessed. b. If the code Z err N appears on the front of this stmemem nee to "Balance Rate Applied To,' we multiply the 9447M Irryartat Nodes: Payments you mall to ce will be credited to your acearht as of tie business day 3 racelvo h, provided (1) yw curd the bo[tan portion of Ws etatemmtpo aM your deck In rte anclwed ranittmhce envdupe and (1) your payman Ia recelvatl ax ocalahg came, by 3 P.m. ET (12 noon PT). Rouse allow at least five 151 buakese clays for stal delivery. Paymame rweivd by us at any other location or in any other form man y not bo crodtd as of the day we receive them. Our business days are Malay thauih Saturday, exckdng holiday.. _ti me electraric trasafer debit tram your bank Phase do not use staples, paper dips etc. when prepamg your payment. When yw send us a check(s), you authorize zee to make a oeise accoum for the mown of the dark This authorization applhea to aY decks recavd dunrg the biling cycle even if sent by sanearhe else. If Are cannot process; the transfer, you authorize ua to make a charge against your bank account using the deck a paper draft or other hem. 201180 Enjoygreater f ex b/ 1 ty with the attached Capita! One°Purchase Checks! Purchase Checks* make every purchase more convenient 04t with easy account access and no transaction fee. Plus - • Make purchases where credit cards are not accepted • Pay off higher-interest-rate balances directly • Access your account anytime, anywhere • Use just like personal checks No matter how you use them, you're sure to enjoy the added convenience Capital ow, of Purchase Checks. But hurry - they expire July 32, 2004. Use yours today.[ what's in your wallet?- Important information regardingyourCaphal One Purchase Checks: The attached checks will be treated as purchases according to the terms of your CustomerAgreement and any amendments to it 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 One processes 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 anyway, 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 maybe assessed a returned check fee. These checks cannot be used to pay dawn 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 2004 Capital One services. Inc. Capital One is a federally registered service mark All rights reserved. 10555 Page 2 of 2 68-677/530 2011 80 04889 600.00 Dollars CapitalGw Richmond, VA Cardholder Memo Signature n¦L0555Ila 1: 0 5 1006 7 78 t:El 65220275262511a 10556 68-677/530 20118o 04889 S Dollars CapitaloW Richmond, VA v $ Memo ,i¦i055611a 1: 0510067781:86522027526251i¦ CAPITAL ONE PURCHASE CHECK 10557 68-677/530 201180 04889 S Dollars Cap"alow Richmond, VA Cardholder Memo Signature Cardholder unLOSS 711a 1:05 L006778a:865220275262Sill PETER ISCARIOT CAPITAL ONE PURCHASE CHECK 073 GROUSE CT Date MECHANICSBURG PA 170So-9ii6 PETER ISCARIOT CAPITAL ONE PURCHASE CHECK 073 GROUSE CT Date MECHAN ICSBU RG PA 170So-9336 PETER ISCARIOT 073 GROUSE CT Date MECHANICSBURG PAvogo-qn6 n O 7 p Z m O > N ° <y m n n -i o m n 0NI 9 D T J Z? D ° 7 2 O O A 7 N n 2 L7 j m Z N n o cm ?r 7 z ° n c i o m = n * N r m ? m T O m O v Z a O > N r ma a m < - m o fill m T' m N z - I s T co 0 y 9 m z0 O n m O r T N O O N Z < ? co m c m a z 1 r - O O a zf co c i a m= m * N r n z n m 9447M v o O m z a aO D m -1 m j a m < a m o m a 9 m D O D ? n O O N O Z O (n < m m m a r z 60 0 a zz N C -? N = m m m N G7 r n z m PETER ISCARIOT 4173 GROUSE CT MECHAN ICSBU RG PA 17050-9116 Date Check etpiresAugust yr, 2004 PLATINUM VISA ACCOUNT 4862-3622-0275-2625 W Pay to the order of U w v .i$ w W Dollars a CapHaJOj1e®Rlchmond, VA a Memo Cardholder Signature 010S913na i:0S1006778i:86S22027S262S11' Account Sum Previous Balance $2,670.91 Payments, Credits and Adjustments $80.00 Transactions $92.52 Finance Charges $40.81 New Balance $2,724.24 Minimum Amount Due $81.00 Payment Due Date August 07, 2004 Total Credit Line $3,000 Total Available Credit $275.76 Credit Line for Cash $1,500 Available Credit for Cash $275.76 At vour service To call Customer Relations or to report s lost or stolen card 1-800-903-3637 S®d payments to: Send inquiries to: Attn: Re-ttan« Pro«ssing Capital One Services Capital One Servicn P.O. B. 85147 P.O. Box $5015 Richmond, VA 23176 Richmond, VA 23285-5015 10598 68-677/510 586800 04891 JUN 08 - JUL 07, 2004 Page 1 of 2 Payments, Credits and Adjustments 1 06 JUL CAPITAL ONE ONLINE ACH PAYMENT $80.00- Transactions 2 08 JUN GIANT FOOD STORES #263 ENOLA PA $18.56 3 09 JUN GIANT FOOD STORES #110 CAMP HILL PA 22.07 4 17 JUN WALMART #2574 CARLISLE PA 24.97 5 30 JUN WEIS MARKETS #58 SH MECHANICSBURG PA 26.92 Finance Charges Pleare me reverse ride for important information Bat Prr»du C-2 - 1119 FINAN CE ' N ?!/dfa ratr 1 1 (, I?AIZ GE PURCHASES $2,657.38 .04929%P 17.99% $39.29 CASH $9237 .0547796P 19.99% $1.52 ANNUAL PERCENTAGE RATE applied this period 18.06% V PLEASE RETURN PORTION BELOW WITH PAYMENT CAWM 0000000 0 486 2362202752625 07 2724240080000081008 Pl-p-f mai!'nga"-and/ e-nmrlrbmger be! aringblve ortiiark ink New Balance $2,724.24 Minimum Amount Due $81.00 Srreee Apt 9 Payment Due Date August 07, 2004 Gry Sure ZIP Total enclosed $ Home Ph- All 1, Phone Account Number: 4862-3622-0275-2625 p Emu! AAdreas Capital One Bank P.O. Box 85147 1111111[11111 111111111 Richmond, VA 23276 111 111 a 111111111 n I I I I I I I I u t I I n t I I t u II r I I I I I I I u t I 1 u 1 r1 #9019056580575514# MAIL ID NUMBER PETER ISCARIOT 4173 GROUSE CT N MECHANICSBURG PA 17050-9116 r Plewe vniteyour account number onyour check m money order made payable to Capital One Bank and mail in the endwed envelope. a 0 D 2 m Pit ~ D £ < a M y O rp T - 0 0 D y T ; Z 9 Z D O a D W r Z Z M ? m . m 1 r C O 0 £ Z = 0 y m Z in 8 O i C, 0 O Irryotuu bdormation r your dick: The attached Purchase check will be treated as a cash advance according to the terms of your Cusomer Agreement, and any amatknems to it. However, the check rosy not quality for any rewards programs. The attached check is subject to credit availabilily, so you must have the availade credit m the day Capital One processes your check Check acceptance is also subject to the current status of your accent, and the check may not be processed if your account is restricted in any way, pas[ due or in collections at the time it is processed. If the credit is unavailable or youu account is rat current, as stated, your clack will be returned unpaid and you may be assessed a returned check fee. These docks carrot be used to pay down or pay off any Capital One accost. Cashing these checks will quality as using your account. ® 2004 Capital One Services, Inc. Capital One is a federally registered service mark. Al lights reserved. ppeeriodic rate. To obtain rho average daily balance rfho of the billing Period covered by this statement, we take =oil of each segment each day, add any now transarim" to each segment, and attract my payments or credits. (It the code N appears on the tram of this autem mint ten to -Balace Rate Applied To,- we also attract any unpaid finance charge included in the balance of each segment.) This gives us the daily balance of each segment. Than, we add up all the dally balances or each segment or the billing period and dvide by the total number of days In the billing period. This gives us the veraggee dally balance of each segment. 3. Mud lCo nags Rates IAPRI. a. The term 'Annual Percenuge Rate' may appear as 'APR' on the from of this statement. 6. If the code P (Prime), L (3-mo. LIBOR), C (Certificim of Deposit), or S (Bwkcard Prime) appeals on the from of this statement nert to the pedodc rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and rosy increase or decrease based on the stated indices, as found in The Wall Somer Jaunel, plus the margin previously disclosed to you. These congas WN be effective on the flirt day of your billing parried oovemd by your periodic statement ending in the months Jaruary, April, July and October. c. If the code D (Prime), F (1-ma. LIBOR) or 0 (3-mo. LIBOR Repriced Monthly) apps m m the from of your statement next to the pedodic rate(s), the pede is rates and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the stated indices, as found in The Wall Street ?oumal, plus the margin previously disclosed to you. These changes will be effective on the first day of your billing period each month. 4. Assessment of L Ate, OvrFit and Returned payment Fans. Your accent will be assessed no more than two of the tees listed here that occur during any billing period. Under the terms of your customer agreement, we reserve the right to walve or not to assess any fees without prior notification to you without waiving our right to assess the same or similar fees et a later time. 5.tRenswing you Aocmet. If a membership fee appears on the front of this statement, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your account. During this period, you may continue to use your account withom having to pay the membership fee. To coned your account, you must notify us by calling our Customer Relations Department and pay your 'New Balance" in full (excluding the membership fee) prior to the and of the thirty-day pedod. 0. If You Close You Aoeou r d, you can request to dose your account by calling star Customer Relation Department. You must destroy your credit card(s) and accent access checks, cared all preauthodzed bllllrg, and cease using your accent. If you do net cancel preauthorized billing arrangennents, we will consider receipt of a charge your authorization to mobepp yy rd account. Additionally, your accent will not dose until you pay all amounts you owe us including: any trarmetims you haw authorized, finance charges, past due fees, owdimit fens, returned payment fees, cash advance fees and any other fees assessed to your accent. You are responsible for these amours w 1hother they appear on your account at the lime you request to close the account or they am incurred subsequent to your request to dose the accent. This may result In charges appearing m your account after you haw your BCCmnt it a has already lam dosed. Her example, if you authorized a purchase from a merdlam and we, receive the transaction from the more ant after your accours hen tam dosed, your accent will be reopened, the amain of the charge will be added to your accent, and yyoouu coif be responsible for payment. If there I. a membarelip fee for your account, the fee will continue to be charged, to the extent permitted by law, until the accart balance has been paid M fill as deflnod above. 7. Using you A-Fries.Your cam or amount carom be used in connection with any interest: gambling transaction. R. N.111- About Eiaabem CMok Osew-dial. When you provide a check as payment, you a siorl- us dither to use infomtetim from your cock to make a one-time electronic fund transfer from your bent accounts: or to process the payment as a deck trarsacton. When we use information from your deck to make an electronic fund transfer, furde may be withdrawn from your bank account as nom as the same day we, receive you payment, and you will not mcelw your deck back from your fnoutdal institution. BILLING RIGHTS SUMMARY On Case Of Errors Or Questions About Your Bill) If you think your bill Is wrong, or if you need more information a transaction or bill, wrim to us on a separate sheet as soon as possible at it* address to hear t shown ola the than o60 f dthis erouato tem. We must you no y% after we soon you the first NII m which the error or problem appeared. You can call our Customer Relations number, but doing so will not preserve your rights. M you letter, give us the following inormatim: your name and account number, the dollar a aunt of the suapected error, a description of the error and an chill nation, if possible, of "j, you believe there is an error; or if you Flood more Informal , a description of the hem you are unsure abort. You do rat have to pay any amount in question while we are investigating it, but you e still obligated to pay the pang of Your bill that are not in question. N/File we investigate your question, we caner mpon you as delinquent or take any action to collect the amour you question. i,t Special Rule For Credit Card Purchases If you haw a problem with the quality of property or services that you purchased with a credit card and yon law tried in good faith to comm the problem with the merchant, you may have the right net to pay the remaiNng amount due on the properly or services. You haw tNa protection only when the purchase ' was mom than 950.00 and the purchase was marlin your home state or within 100 miles of your mailing address. (if we own or operate the merchant, or if we mailed you the adwrd-ment or the property OF WFACea, all purchases are covered regardless of among or location of purchase.) Please remember to sign all (orrespondence. t Does not apply to censrurrer non-credit cant cod. I Does rot apply to business non-uad& card accounts One supports information privacy protection: we our at www.capulone.com. One is a federally re 1amied service mark of Capital uncial Corporation. All rights reserved. a 2003 Ors 01LGLBAK 1. How To Avo)d A Fbanaa Ch-.a. t a. (rime Period. You will hew a mirlmunh grace period of 25 days without firence carpe on new pilmhasea, new balance transfers, now, special purchases and new, other charges if you pay your total ' New Balance', in accaUmce with the Ingortat Notice for poymeres below, end in time for it to be credited by your new statement doalrg date. Therm )s no grace period on cash adwn- s and special transfels. In addition, them is ro grace perked any transaction If you do rim pay the total 'Now balerhce." b. Aaauiug Finance, Charge. Transaction which are net subject to s grace period are assessed hence change 1) from the data of this transaction o 2) from the date the transaction is processed to yar Account or 3) from the three calendar day of the arlsnt Arco pecod. from trolly, if you did rot pay the New Belouce' cram the Plsvios biting period in lull, finance charges darmtrea to acme to your unpaid balance until the unpaid balance is paid in full. This means that you meyy soli owe firance charges, evain it you pay the echm New Balance indicated on the front of your satemmt by the now aatemelt closing date, but did not dose or the previous month. Urpald firhounce charges are added o der sagnoH of yeti Aaeut. tc. bYinarn FYharhw .For each bililrg period dot your account is subject to is lkhoce charge, a miNmun total FINANCE CHARGE of $0.60 will be knposad. H the total finance charge resulting from the app(iratbn of your periodic rate(s) is less than 80.50, we will attract that amain from the 80.50 mkimum and the diform- will be billed to the purchase ccant d. Tanpaary Reduotian ==V We t reserve the n to rot assess any or all finance Barges or any given billing period. 2, Average Daily Be-. (InaWSq New Pudawsl. a. H.- charge is celoialed y multiplying the daily balance of each segment of your accent (e.g., rash advance, Purchase, special transfer, and special pum asc) by the corresponding daily Periodic rate(s) that has been previously disclosed to you. At the end of each day during de billing period, we apply the daily periodic rate or each segment of your account to the daily balance of each segment. Than at the rod of the billing period, we add up the malts of [tree daily calculations to arrive at your Periodic finance charge or each segment. We add up the rests from each sagnent to arrive at the tonal Polled. finance cargo or you accent. To get the daily balance for each segment of your account, we take the beginning balance for well segment and add anyy new transactions and any periodic finance charge celctiated on the previous day's balance for that segment We than sbtract any paymmm or crocus pasted as of that day that am allocated to that aegrhem. This gives us the separate daily balance or each aeghem of your accoux. However, if you bald the New Balance shown on your prow- statement in full (or If your now balance wes zero o is .red[ amount), rev transactions which poet to your purchase or special purchase setTmerts am not added o if. daily balances. We calcu errs the avenge daily balance by adding all the daily balarhcea together and di=t he can by the number of the days in the currant tiycle. To calculate your total firarce charge, multiply your average daily balance by the daily periodic rate ant by the number of days in the bggng period. Due to rounding on a daily bads, there may be a slight -dace between this celaiation and the smart of finance de actually asscesed. b. If it. code r r N appeals on the front of this satement nec to 'Basle ce Raw Applied To,' we multiply the 10292M in !;:t: Mkremiss tce envoi mail to us will be cradod to your a= as of the business day we twelve it, provided (1) you send Ua bottom portion of this statement and your dock cope ant (2) your payment Is recelved in our processing comer by 3 p.m. ET (12 noon PT). Please allow at least iw (6) buelnoss days for postal deilvery. Payments received by us at any other locat)an or in any otter form =-[== y d as of the day we receive than. Our business days are Monday through Saturday, exdudng holidays. Please do net use staples, politer d'ps etc. wthan preparing your paerd us a chac (a), you authorize tae to make a one-tme dedronc transfer debit iron your bank accarrt for rho amount of rho This authorization applies to all checks received during the billing cycle evon if amt by someone else. If we, caret process the transfer, you authorize us to make a charge against your bank accent using rte deck, a paper draft or other tem. Enioygreater flexibility 201197 with the attached Capital One° Purchase Checks! Purchase Checks* make every purchase more convenient with easy account access and no transaction fee. 0?tMk Plus - • Make purchases where credit cards are not accepted • Pay off higher-interest-rate balances directly• Access your account anytime, anywhere • Use just like personal checks No matter how you use them, you're sure to enjoy the added convenience CaphalOW of Purchase Checks. Busy hurry - they expire August 31, 2004. Use yours today! whaft to your Wallet?" " Important information reganlingyour Capital one purchase Checks: The attached checks will be treated as purchases according to the terms of your Customer Agreement and any amendments to it 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 One processes 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 anyway, 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 maybe assessed a returned check fee. These checks cannot be used to pay down or pay offany Capital One Account. Cashing these checks will qualify as using your Account. All other Account terms and conditions remain in full force and effect. © 2004 Capital One Services. Inc. Capital One is a federally registered service mark All rights reserved. PETER ISCARIOT 073 GROUSE CT MECHANICSBURG PA 17050-9116 Date 10599 Page 2 of 2 in's August 31, 2004 68.677/510 201197 04891 V W Z 0 D Pay to the order of VC $ 300.00 v W V) Thr Hundred and 00/100 Dollars Q Z Ca 'tal (XW* Richmond, VA ? CL Memo Cardholder Signature n•10599110 t:05100677a1:8652202752625u0 CapitalCW Richmond, VA m o Memo 10600 68-677/510 201197 04891 W Z U $ [?] W h Q Z Dollars 0. Cardholder Signature 11010600110 t:0 5 1006 7 78t:865220275262511• CapitaloW Richmond, VA Memo Date Cardholder 10601 _ 68677/510 201197 4C 04891 V W V $ W Q S Dollars 4 11.10601110 t:0 5 1006 7 78r:8652202752625iin PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 17050-9116 Date PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 1705o-9116 O m a m O m o D < F m m a O -4 m m m ?? o m a y m > a v 0 Z O 31 O Z 2 z O ?? m m C P 1 O F a Z = y (n = O m r O ; z m m v m m O a Z o m a m m a 0 m O m D N m O m H Z ; ° D Z O ? o > a ?? O O < r N Z O N Z m D O m m C O a F m H Z 2 C/) N C n m r *Z m 10292M T m ° O D M Z m O 9 D m < a m o m m m ay m o T y o z' v o n a D r N O O O < N Z D m z o m c o a Z i ? N N n m r Z m 589500 PETER ISCARIOT, 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 2 Head to the dealership 3 Drive home in your visit us online. with yourApproval Letter. new car or truck! Simply apply online at 111117IM719-MIRIMMOTMI or call Monday-Friday, 7 a.m.-30 p.m. and Saturday, 730 a.m.-6 p.m. (Central time) srr.rumrfor impnrmnr information n-&ng rbir , C-apffal0 e• auto finance` Jwftj PLATINUM VISA ACCOUNT 4862-3622-0275-2625 JUL 08 - AUG 07, 2004 Page 1 of 2 Account S Previous Balance $2,724.24 Payments, Credits and Adjustments $81.00 Transactions $.00 Finance Charges $41.85 New Balance $2,685.09 Minimum Amount Due $80.00 Payment Due Date September 07, 2004 Total Credit Line $3,000 Total Available Credit $314.91 Credit Line for Cash $1,500 Available Credit. for Cash $314.91 At your service To .11 Customer Rchtioms or to report a lost or stolen cud- 1-800-903-3637 Sena Payments to: Send inquiuc to: Attn: Remittance Processing Capital One Services Capital One Services P.O. B. 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Payments, Credits and Adjustments 1 02 AUG CAPITAL ONE ONLINE ACH PAYMENT $81.00- Finance Charges Pletue see reverse fide for important information - Rd- raft lvdt si P-d. Corrrrpaxding pp o rstr APR }URG PURCHASES $2,637.88 CASH .04929%P 17.99% $40.31 $90.97 .05477%P 19.99% $1.54 ANNUAL PERCENTAGE RATE applied this period 18.06% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362202752625 07 2685090081000080004 New Balance $2,685.09 Minimum Amount Due $8000 Payment Doe Date September 07, 2004 Total enclosed $ Account NumbO. 4862-3622-0275-2625 Plrarrpnntmau7ngadd rranb -ieh. ,be!,. mrM ornlarkiak tr K Apt 4 laity Srar< ZIP Home Ph- Al-.,a Phony #9022156580575517# MAIL III NUMBER Capital One Bank PETER ISCARIOT P.O. Box 85147 4173 GROUSE CT Richmond, VA 23276 MECHANICSBURG PA 17050-9116 m Please vniteyaur account number on yarn check or money order made payable to Capita! One Bank and mail in the endured envelope. r Buy the car you want with no worries or hassles! You've been pre-selected for up to $30,000 in financing. t No financing hassles at the dealership • No application fees • No dealer credit applications Apply online at www.carfund.com or call 1-800-304-4854 today and take the first step toward owning the new or pre-owned car you've always wanted! Personal Reservation Number for PETER ISCARIOT: C 0074222291-4661 Please tall during the hours of. Monday-Friday, 7 a.m.-10 p.m. and Saturday, 7:30 a.m. 6 p.m. (Central time) Have this number handy when you contact us. 'Cena;n arndirions may y,ply.This .Q is nonunu(eratlc Ynru credit hismry will he raiewed by Gpie! Oue Auw Finance in oiilcr m pose. y.ur appliaiion and mw? pea unring rcquircmenu. Appliance mar be in go.d -ding (min .mimic., pa. due) on any ester evi.ing Capi.1 One seen..,. The amuum nfyom firming rill Ire baud on -,h, and applinrion mere. Aoy I?ankrupum. mmc show diabarged on your credit bureau r,7-. Minimum .nobly i-oF$1,5(K) it required. P ymrnr anew euecl 184 4 gm. --bly income. Minimum dmvn paymenr nC $1.00() (n cash or wnh a -& m manufauureia Feb..) is requ red. T ..l amuum final mu. Ire at lean $10,000. Lwn- -,,Iur ranri.i- appir. You must be a lea. 19 yarn of age. Applict., must lure a valid .rca addtea within the Uru.1 St- -he time oCcontncu. APO. FPO and PO. Rona addreue are our dipNe for d,i..11- Veh.l. muse he owned and m imwmd ion the Unites( State. Offer u valid for all -4elr (1999 and new-) -lud ng K. Suzuki. Olds.obik. Mitsubishi, Da. ,o and dircumi-4 rthide fin.. Tam/.;Ieage trstriawm appfy-tae appn,w1 package for dmilz Tbu nf( u not tfid fnr mnu.Rycln, ..bile I.- RVs, cvmmm:ial w sal ail d vehicle and brnu. This oB r u tut valid in AK H) and U.S.-deperulmc t.ni orie, Pmgam nainiuinm apply. C 2004 Capinl One Services. Inc C Pi A One and Capita One A- Finance arc federally reparcred r.d-.k, All runs .awed. 8 O V O N par riodic rate. To obtaibyn the average daily b lance for The Ngirg Period cevered INa atateman, we take the hegmng balance of each )errant each day, add any new, itanwetiea tee aegmed, and surb ract MY payments or credta. Ilt the code N appears an the tFord of this statement next to ' Balance Rafe ApPl''W' ' we also subtract any unpaid If_ dirge inclin the halanae of each [) TNS g ma W the daily balance of each segnrnt. TT , we add up all the daily balartcea for each segnem fa the billkg period end divide by the tool raanber of days n the filling period. This gives us the average dally balance of each aegnrnt. 3. Aruad Pnroortago Rotas IAPRI. a. The term 'Annual Peroofthis staentage Rate' may appear as 'APR' on t o front b. If the code tenrm. P (prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankmrd Prime) appeaho from of this statement next to the Periods rate(rss)o, thetpfrom o rates and corresponding ANNUAL PERCENTAGE RATES may vary glartedy and may increase or decrmse based o tho stated indicate, as found in The Wa/f SUaet Jcvzrrse% Plus the margin previously I Bad to you. These dsngea WB be effective m the first day o1 your billing pedod covered by your periodic statement andng the months Jarxary, April, July and October. c. If the node D (Prime), F (1-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appeam on the from of your statement next to the pedmerate(s), the periods rates and correspordrg ANNUAL PERCENTAGE RATES may vary mantNy and may I--- or darease based an the stated indices, as farad in The Wall Street Joumat plus the margin previously cisd:% to You. Thaw changes will be effattive an the first day of your billing period each moth. 4. Aaasemont of Late, OvriNt and Rabanad Payment Fad. Your account will be assessed no more than iwo of the fees listed here that occur during any billing period. Under the terms of your customer agreement, we reserve the Fight to waive or Find to assess any fees wittaut Pnor rotifimdon to You without waiving our fight to assess the same ter dmilar fees at a later tlme. 5-;:;= Yee Abcou t. If a membemNp fee appears an the from of this statement, you have 30 days from the data this statement was mailed to Vou to void paying the fee or to have such fee credited coo you if you caned your accent. During the period, you may cotinue to use your account wilhout having to pay the membership fee. To cancel your account, you must notify us by calling our Customer Relations Department and pay yyoour 'New Balance' in full (excluding rho .-be, p fee) pdor to the end of the iNny-day period. B. If You Clow Your Areaunt. You can request to dose ywr eaount by rolling our Customer Relations Depanment. Vw moat destroy your credit card(s) and account access checks, mrodall prmuthodxed billing, andac w ednq your "count. If you do rut caned preeuthorized tilling ermngements, we will coaider recdPt of additional chargely, you your authorization to reopendose yourd exeunt. A rat r e until you pay dl r .account will amounts you owe us indudirg: any trareattiexs you have auhorixed, finance charges, pear due tame, owdimit fees, returned payment tees, cash advance fees and any other tees aseremsed to your cram. You are responsible for thew amounts whether they appmr on n.. o your eccourd at the time you request to clove the assr theyare Incurred subsegtsm to your request to dose the accent. TNs may r' In charges appearing on your accent after you have Your ecotrht if k has already been dined. For example. it you sull od a purchase frorn a marchara and vre receive the trareaerion ftom t0( merdaam after your accent ha? been tlowd your aaere wfll be neopeed, the amem of the Marge .I ho added to yea anent, and you will be responsible for payment. If there I. a membership fee for your account, the fee will conriaae m be dd to the erred pamlirted by law, trill the -.:'.Tar; has been paid in full as defired shove. 7. Uakg Your A-OUFd.YoX cam or account cannot be rated in connection with any Internet gambling marsattiore. 8. Ned" Await EaebeNo Chock Ca waraion. When you provide a deck as payment, you authorize us either to use infomradon free your dhak to make a one-time dectranic fed trersfer from you bank account or to process the paymerd as a check transaction. When we, use information from your chock to make an deetroric fund transfer, frrh may be withdrawn from your bank aaartt ea aoah as tits same day m e A your payment, and you will net rocdve your dheek back from your financial iretit"FIF". BILLING RIGHTS SUMMARY (In Case Of Errors Or Questions About Your Bill) If you think your bill is wrong, or if you need more Information on a transaction or bill, write to - on a separate sheel as soon as possible at the address for rie I~ an the front of this statement. We must hear from you ro later than 60 days after wre sent you the first bill o vMich the error or pmNem appeared. you can call our Custmer Rdafiore comber, but doing w will rot preserve your rights. In your letter, give us, the following infomation: your name and account number, the dollar emem of the suspected an.,, a description of the error and rm mplaretion, if posdde, of wh,y you believe them is an error; or If you teed more infomatio, a dewriptlon of the hem you are unsure about. Yau do not have to pay any amount in qureatl while we are inyetrigatlmg it, but you are still dNlgat?d to pay the pans of your NII that are rot in queston. yJhile we investigate your question, we tempt repon you as deli7rt m take any action to collect the amainn you question, l,t Special Rule For Credit Card Purchases If you have a problem with the quality of property or se Me that you purMawd vWth a credit card end you have tded In good fallh to correct the problem with the merchant, you may have the right not to pay the a remaining nt due on the property or services. You hove this prolecllon Wy when the purMasa pFice was more than 960.00 and the purdaw was made in your home ante or within 100 miles of your mdlirg address. (If We own or Operate the merehaM, or if vve mailed you 'he advertisement for the property or services, all Purchases are covered regerdess of amount a locetio of purMese.) Please remember to sign all ewnesporderee. t Oohs not apply to consumer nos-credit card accounts 1 Do- rot apply to busmasa non-u edit c.,d accotrnza One stppons information privacy Protection: we atr at www.captdome.com. One I. a federally registered wMce ..,it of Capital andal Corporatim. AN d9l rewrved. 0 2003 One 01LOLBAK aeeaa" Ta. (Imeat Pal You will have a minimum grace period of 25 days wlthett finance cihetge en new putt3asea, new bal ance Lrarafem, neW spBdal punytsses and reW oter a tar y? your total 'Nov,, Balance', in Important Notice for payments Oelow, a0( n tame for it to be oedtad by you read sroten. dosing date. There is ro grace period o cash advmhces and special trerefem. In addtfon, there is re grace period an any trsrsactlan if you do rot pay the total 'New balance.' b. A"aulhg FFrarrea Ctargo. Transactions which are net subject to a grace period are sawased Manse drerge 1) from the date of the trorsactim or 2) from the date the Varraction is promaed to you =,o r 3) from the first mledar day of the current od. Addirtu ally, if you rid rot PoY the 'New Belance from thoprevious billing period in Gll, finance Marilee cordrxte isto sa to ns yen .paid balance trhtfl cis tnPad balance paid in f o TNa meere that you may sdi owe Trortce rlsrgea, even if you pay the entire New arhce Yhdmted o the from of your statement by the next eutmsnt clearing date, but did not do se for the previmu month. Unpaid finance charges ;Z= m the epppcable segmex of your Accoure tc.Fktartw i7trga. Poe each bgibug period that your acmrn Is sugettEto a flrhrnc?a largo, a minknuit told FNANCE CHARG of 50.60 win be Imposed. If the total flrtance da resultktp from the , leaden of yw Pul rate(s) irye s less Plan 50.50, we well subtract thou amain from the $0.50 minimum and the difference will be billed to the purdrase seprttax of youa anent. t d. Tanparary Radiratisn it Flnanoa verge. W. reserve The Fight to not assess any or all firencrs Barges for any give billing Period. 2. Average Drly Balerhaa Ilnokdig Nsw grdaaasl. a. France tlarge is mleleted y mJdplying the dairy halenc?e of a asgrtertt of yeu ar:crouht (e.g., cash advarxs, purdhaw, sup Jel tarefer, and )pedal p"been, ) by da arteapondng dally periods rate(s) that tae berm ps?y dadmea to you. At the end of e M during Irv period, we aptly the defy periodic rata for m0( aq,mem of your acceatt [o t0( drily bailartee, of each engine.. Then at tls end of t0( Nlkg penal, we add Ip dhe rued. of dhowr(fe dailyfomrleleties to score at you Poriodc finance da eaM wgnem. We add results from m0( segue to ardvo at the tool . r firorhce datge for you exert. To b". get the dingy balat nce for own -7. alance for each of your eccoud, we take tfs beginning b es and an segment end add any new on the the pre day's bya"Periodic five nce for that charge calculated o vious redta ??t. We then a that payments or c oy to that posta0 ee of that day fihat am speared fore y Titsyour aanutt. However, if ofyvea us rite separate daily balance segotett you d the Iserv Balanh shown an Yrxr Pavia- smtenrnt in fill (or if your raw balance was zero a e credit amouxy, niter tresecries whits (qst to your Wrdhase a )Paid puts segnenm are not added to the daily balances. We mkulat da average drily belarhm by eddrg aR tla daily balanhces together and divid rite seen by ills nurnter of da days fn the anent NpYq aycie. To cdelam your total finance Marge, nhultldy You average daily blanch by the mey?eriodc rate a d by the number of days in the bill rag pod Due to rwdirg on, a daily bads, there may be a sight variance between the cakaledm and the amain of flnhanc?e dherpe acnaely ssaesaed. b. Itho code Z or N eppeam m rite fiam of this amtement xt to 'Balance Rate Applied To,' we mu kiply the NMI": Payment. You mall to w will be CaMad le your accesd Be of tls bwirsss dal vva retxnve h, =d etl (1) yen sari the bottom portion of 1Na statemad tiro your deck Yh the itrn2) your Nmeht is rocdvad in eta pracesdng carer by 3 p.m. ET (12 PT). Rea. dbw at heat flue (5) badness days for postal daivery. P-1=== by us at arty other IOCatio or n anY altar fora may not be credited as of the day we atu receive them, Our busker days are MehdaY tfsou(?h Srday, exdudng Islidaye. to Rea to r do make a c rql we auPlee, paper dips etc. vuhhen propadrq your payment. When yw sad X. a deckle), you autlgdze us to make s cuts-time eleclranc trana4ar debit free your bank accarm our a charge agai rge a of the deck TNs authorizatlrn a we to ell Mecka rho yl during the billing cycle own if sent by someone rise. If we came, pmews the Transfer, you authorize nst your bank account using the deck, a paper draft or other Tom. Enjoygreater 201211 flexibilityjwith the attached Capital One° Purchase Checks! Purchase Checks" make everypurchase more convenient with easy account access and no hvnsaction fee. Plus - • Make purchases where credit cards are not accepted • Payoff higher-interest-rate balances directly (?DF-V' • Access your account anytime, anywhere • Use just like personal checks No matter how you use them, you're sure to enjoy the added convenience Qopltal C?w° of Purchase Checks. But, hurry - they expire September 30, 2004. Use yours today! vehats in your wallet?- " Important Information regarding your Caphal One Purchase Checks; The attached checks will be treated as purchases according to the terms of your Customer Agreement and any amendments to it 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 One processes yourcheck. 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 Capirf One Account Cashing these checks will qualify as using your Account All other Account terms and conditions remain in full force and effect. 0 2004 Capital One Services, Inc. Capitol One is a federally registered service mark All rights reserved. 10620 Page 2 of 2 tember30, 2004 68-677/510 202211 04893 it C" ly V W Pay to the order of of $ '00 Z v .00 W Two Hundred and 00/100 Dollars Z CafliV cal!)I?tl ^^ Richmond, VA CC 0: a Memo Cardholder Sionature 1181062011a 1:0S10067781:8652202752625n0 Dote Cardholder CapitaloW Richmond, VA a Memo 1161062111' 1:0 5 1006 7 781:865220275262511• io62i 68.677/510 201211 04893 V W Z v $ W Q Z Dollars cC Za 4 io622 68.677/510 -- 202212 04893 V W Z V $? W h Q Z U Capitala° Richmond, VA Memo Cardholder Signature 11'1062211n 1:05iD0677al:865220275262511¦ 4 PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 17050-9116 Date PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 1705o-9116 Date PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 1705o-91i6 O A m N Z j m < m p A m T m ? m A ~ T ? p ? D D v D o n = F O ? N < m z m m Z C r A - m Z = ? O N m * m ° A O m z p U) o m D _ A < _ N O A p T T ? m A y T - ? y D 9 o n O O A ? r N G O O N = m 3 z =1 c r m A 0, z S c? n m r m n * m 9446M T ? AO D m O A A m o z O m m m A ? T a D A D v ° O A n I D r H O N = A M S f y O A Z S m W m r * m capital Richmond, VA llC1C Memo PLATINUM VISA ACCOUNT 4862-3622-0275-2625 0106480 1:0 5 1006 4 781:865 2 20 275 26 2511' Account S Previous Balance $2,685.09 Payments, Credits and Adjustments $80.00 Transactions S.00 Finance Charges $41.18 New Balance $2,646.27 Minimum Amount Due $79,00 Payment Due Date October 07, 2004 Total Credit Line $3,000 Total Available Credit $353.73 Credit Line for Cash $1,500 Available Credit for Cash $353.73 At your service To ca11 Customer Relations or to xrA s lost or stolen -,I- 1-800-903-3637 Send Pgymenu to: Send inquiries to: Attn: Remittance Proc-ng Capital One Services Capital One Services P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 2328S-5015 Important Account Information Are you registered to vote in this year's general election? It's not too late! There's still time to register, so go for it. Your vote can make a difference this November. Call or visit your local voters' registration office or go to www.everyvotecounts2004.com to make sure your voice is heard. Every vote counts! Payments, Credits and Adjustments AUG o8 - SEP 07, 2004 Page 1 of 3 1 31 AUG CAPITAL ONE ONLINE ACH PAYMENT $80.00- As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps your 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy. .4ll orders will be processed between January 15 and February 28, 2005. Finance Charges Plewesee reve sesideJor important information Bal rate Period'. Corrrrpondueg { p/udto a/ rate APR l:tiAA1l(jl: 1:t1 1: PURCHASES $2,593.37 .0492906 P 17.9996 $39 63 CASH $91.05 .05477%P . 19.99% $1.55 ANNUAL PERCENTAGE RATE applied this period 18.069'0 ? PLEASE RETURN PORTION BELOW WITH PAYMENT Captl- 0000000 0 4862362202752625 07 2646270080000079004 New Balance $2,646,27 Minimum Amount Due $79,00 Payment Due Date October 07, 2004 Total enclosed $ 71 Account Number: 4862-3622-0275-2625 Capital One Bank P.O. Box 85147 1 Richmond, VA 23276 111L11d1111IJ111d1111,I1111161111111111 l 1If llu111IJ I Please varite your account number on yom PI ep-t-nh.gaLi---4 rnrai/rl?anger br/ -,m--r 1.4 mi. Cardholder Signature so648 68.677/510 590600 04895 v v w Dollars Z 0. Street Apc 9 City Sate ZIP Home Phone Alternare Phone #9025256580575512# MAIL I0 NUMBER PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 17050-9116 che 4 m money order made payable to Capital One Bank and mail in the encored envelope. r PETER ISCARIOT 073 GROUSE CT MECHANICSRIIRG PA 17AC-1( v m n O z m O ?a O a m T O a A D T ; Z v D O n A D to r z Z Z m _ m C r _y O Z i C y m ' m to A m 0 D 0 O V7 O A A G) n n 'Important i ionealion ragr&V your look: The attached Purchase check Wit be treated as a purchase actorGhV to the terms of However, the check may not qualify for any rewards programs. The attadhd check is at to erect avatlab, se your Custaner Agreement, and any amendments to it. r check Check aeoaptarxn is also abject to the amour autun of ? V You moat lave the available erect on the day Capital One Procesgea oryou et the time h is your accent, and the clock may na be praceued if your secant is restriced in any way, pea due or m cdl¢cti check fee. Thhese tlhecks carrc?be u?a¢d It the erect hs uavallatle or your amour is not cutrent, as Hated, your check wall he returned unpaid end you may he assessed a returned Capful Ora is a fedaraYy r'ginartl srvio' rnrk. N ror? i oun? capital One account. Cashing these checW wall qualify as uarg your accam. ®2001 Capital One Swioes, kuo. 1. How To Avid A Pianos Charge. t'a. Gratoe Pwiled. you will have a minimum grace period of 25 days without finance charge on chew pudases, asw balance trarafere, new special Purchases and new odor ad's danfcaYouwid?i dam total =n , n ents below, and in time for h to he erected pealed on Pa rash ym acv. date. There is ro by Your next Mam--,, dosing grace oral apedal treaters. In ThIM, there I. ro grace period achy trrsactlon if you do rot pay the tool "New belahe." " b. Aoauig FYurw' Chugs. TrerseNOS wiatlh am rot abject to a grace pedal are assessed flrwhce charge 1) from the date of the taneactian or 2) from the doe the transaction is proceued to yar Accent a 31 from de first calo for daV of tie current 6illirp ppeeriod Addmioral,Y, if you did rot pay the "New Balance french the Previous billing period in full, finance charges continue to ammo to your unpaid balance uttN the urpeid belarce is paid in full. This means that Vertu may ad owe dance darges, even if you pay the Marc New Balance Indicated m the front of your statement by the roc auter are dosing date, but rid not do as for the pnoNaa mall. Unpaid finance duarges re added ro de de se(arhent of you Arrant. tree klihirarn Fins' Qrrgs. For each bNNng period that your account is au6jerm to a flranue cargo, a mirimtm total RNANCE CHARGE of $0.60 will be imposed. If the total finance charge result from the application of your Mdodc rate(s) is less than 0.50, We will attract that amount from the $0.50 minimum and the dfforexe will be billed to the purt3asa aegn of cceunt. td. Temporary R'daurt in Fnnme' C a yarWa We reserve the riytt to not aseese any a all finance charge. for my given bipbg pperos od. 2. Avarag' Daily Baba' Isandarp N'w P rahasest. a. totems charge is celaseted y muatipiying the daily balance of each aegmem of your arrant (e. g., cash advace, purclhese, special tarsfor, ad special purchase) by cis mnesPonding daily Perlodc rote(s) that has been Pre=y disclosed to you. At the end of eadh day during the bilNrg period, we apply the duly periodic rate for eadl segment of ywr amaum to the dally balance of each sepnot. Tien M the and of the titling period, - add rip rho results of d,eserge fo daily ralateuas to arrive at vat results from eac h r each s gment. We add up the finance alto h sagmarit to amye at the total periodic for each r9e Wtr account. To get the the doily bebalance of your aawuslt, wrr take gnring balance fa eachsegmentsegment and add eny rh:w tmreectiore rd any periodic finance charge caladiI on the previous day's belarhxs for Hat segment. Wa dhah attract my paymena a credits posted as of clot day that a2 allocated to Hat algrhem. This gives u the aeperste daily balerxxs New Balenm shown m acmuht. However, if yw peidome Ytxr p aacmot), iW t your now balance was zero or or a a credit aman0, new itarsactios wttitt Dent to your purchase or special purchase sepnents am not added to the doily baiancces. We calculMe the average daily balarue by euddnp etl the daily balances together and dividing the sure by rte amber of the days in the current billing cycle. To calculate your total Nate darge, multiply your avenge datlY balace by the daily periodic rate oral by Ile ember of days n the bil6g period. Oue to rending m a daily basis, tlhere may be e slight b r dh.9a beactually tween cis calaletion oral the amoum of Z app assomed. on the the . flIirence the code e Z or N N ate Applied front of this statement nerd to "Balancer Irate Applkn To,' we mdndv the s e O 0 C o N ppeeriodic rate. To attain the average daily balance for the titling )teriol covered by this statemem, we take the begimng balance of each segment each day, add any rew transmit- to each .1., and abhacl any pmymem9 oI credits. (lf the code N appears on the from of this stamment Hen to •BM._, Rate Applied To," we also attract any unpaid finance charge irhduded n the balance of each al?nern.) This gives ua the daily balance of each -g em for the tlglrq yFlod and dlAde by the total each rumba of days In the 6Mirg period. This gives ue the ?ver?ggee dally bolarce of each segment. 3. Aural Paroattag' Rams CAPRI. a. The term "Annual Percentage Rate" may appear as 'APR" on the from of this stammer. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Benkcard Prime) appears on the from of thi s satemrxn Hen to the periodic rate(s), the periodic rates and mrteaponsng ANNUAL PERCENTAGE RATES may vary quanedy end may increase or decrease based on the stated indices, as found I. The Wad Street Jounal, plua the margin pprevi ..IV disclosed to you. These tlll dargea .=-Id be effective on the firm day of your mmooddms January, rNFJ, end Cctaber ending In A c. If the code D (Prime), F (I-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appea the front of your statemem Hen to the periodic rate(s), the ppeeFiat rates and correspondrq ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the stated indices, are found in The Wall Street Journal, plus the margin pm AoWy disclosed to you. These changes will be effective on the first day of your billing period each month. 4. Asmumrt of Later Ovadi it ant Raumud Payment Feu. Your account will be assessed m more than I- of the fees listed here that occur during any billing period. Under the terns of your customer agreement, eaerve the right to ve or not to assess any fees without prior notification to you without waiving our fight to assess the same or similar fees at a later rime. 6.t'Rra'wing Yaw Aaaaat. If a membership fee appears on the front of thus statement, you have 30 days Iran the date this statement was mailed to you to avoid paying the tee or to have such fee credited to you if you cancel your account. During this period, you may centime to use your eceamt vathou having to pay the membership fee. To cancel your accamt, you must notify es by telling our Customer Relations Department and pay your 'New Balance' in full (excluding the membership fee) prior to the end of the thirty-day period. B. 11 You Close Yoe Aoaart. You can request to close r.;.=, by Custaner Relation You must destroy Your credit card(s) and account access decks, cancel all preawhodzed billing, ant cease usinP your account. If you do not cancel preauhodzed billing anargements, we will consider receipt of a clangs Your authorization to reoppen your account. Additiole Y, your accent will not be dosed until you pay ell amoums you owe us reducing: any trarsa you have . borfzed, finance charges, past due ices, overilmit fees, rdumed paymem fee., cash advance fees and any other tee. assessed to your account. You are responsible for these amama =her they appear on your accent at the time yon requeM to close the ta Incurred This ateequatt in request to close the they are account. cha ee. appealing m your r account may res camen you rave your accoutre: if it has already been dosed. For example, if you authorized a purchase from a merchant and we mceiva the transaction from the mordant after your amount has been dosed, your aocant will be retpenad, the arrant of the charge wit be added to your apcoure, and yyoouu wit be reeponalble for Paynem. If there m a otterehap (ce for your aoxxwm, the fee wig continue m be charged, to the extent Permitted by law, until the account befanc , has been paid in full as defined above. 7. Ural Your Aeaart.Your card or amount cannot be used in connection with any nternet gambling transactions. 8. N.0- Abort ElasbsNo Cha'k Carwrudaa. When you proNOb a lack as payment, you auhoriz u dither to use reformation from r check r make a a one-time elect find transfer t as you bank taccouat ion or to u inia the peym-ertt as a check transaction. . When we tae information from your deck to make an electronic fund transfer, fusb may be withdrewn from your bank accent as scan 89 the some day we receive your payment, and you will not receive your deck back from your fi andal institution. BILHNO RIGHTS SUMMARY (In Case Of Errors Or Questions About Your Bill) I You hink your bill Is mange or it you need more irferrncti a iransac0on or bill, wite to us M a separate sheet as won as possibe at the address for irhpi... shove on the front of this statement. We must hear tram you no I=r than 80 er we sent you the first bit on wlhidh the error or ,=f. ppeared. You can call our Customer Rdations number, hen doing so wig rem preserve your rights. In your letter, give us the following tnomlmlon: your name and oece mattbe1, the dollar am0um of the suspected error, a Zr p't of the erter and an ehpl nation, ii possible, of whyy you believe there is an error; or If you need mare Intomhatim, a description of the (ten, you are unsure about You do rot have to pay any amount In quueailon whale we are Investigating it, bun you re still abNg led to pay the pans of your bill that are not in queailon. VJhile wie nveate your usatimc, we carrot report you as delinquent or takm ige any actiqon to ollect the amount you question. 3,t Special Rue For Crest Card Purchases If you have a problem wtth the qualify of property or Mesa that you purdased vMth a credit card and you have lded in good fahh to certmt the problem with cis merchant, you may have the dghl net W pay =,e malhing arrant due on the property or seMece. You Wa protection only when the purchase price me more than a 50.00 ant the purchase waa made in your hone Marc or within 700 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advenisemem for the property or services, ail purchases are covered regerdeu ei arrant or location of purchase.) Reese remember to sigh all correspondence. t' Dees not apply to co- sea-credit card a-ts i Does rot appy to business roc-credit card accmats Capital Ors supports nfounation privacy prmection: see cur w ebahe at www.capralone.com. Capital One ie a tatleragy rap?t.r?d service mark of Capital One Rnrcial Corporation. All rights reserved. ' 2003 Capital Drs OXGLB4K lrrprtrt Notb': Paymems You mall to ua'At be credited to your atx:arrt as of the buuwnace day we recelw h, provided (1) you sad the bottom portion of this satemenenn and your deck Pam ertJosed ramhttance enoral (2) your psyman is receved In our procuakg caner by 3 P.m. ET (12 neon PT). Please albw at leas diva (6) bualnoas Days for postal QaNvory. ymame received by tae at a4=, locum or In any orbs form may rst be credited as of the day we receive them. Our busiren days are Monday thrw¢t Saturday, exdudrg hdidaya. Reese do not use staples, paper d'pa etc. wren preparig Your peymem. When you send us a deck(s), you autorize tae to maker o aths-tame olectrax trarafer debit yfrom , Your bank acconm fo the amaart of the deck TNa aunherization appiles to all checks receved durirq the billing cycle even if sera by someone rise. If we cerrwt procece the trarster, you authorize us to make a large against your bank amam using the deck, a paper draft or other hem. A SPECIAL OFFER FOR PREFERRED CUSTOMERS Refinancing isn't just for mortgages anymore. What does SmartRefi mean for you? • Customized refinancing solutions that could save you money • A personalized plan with a knowledgeable consultant • Quick, no-hassle service 201236 CRWtallw• SmartRefi'" Refinance any or Introducin SmartRefism all loans and start g An innovative way to save money saving today! by refinancing ANY loan! • Braces, laser vision correction, Dear PETER ISCARIOT, or cosmetic surgery Have you ever thought about refinancing outstanding loans other than your mortgage? Now you can with SmartRefi! Refinance any or all loans and be • College tuition or other given options on how you could save money! educational loans With Capital One* SmartRefi, the possibilities are limitless. You might be surprised at the variety of loans you could save money on. • Your auto, motorcycle or With SmartRefi, you could refinance anything from a medical loan to a home improvement loan ... and more! boat loan Whatever loans you have, we'll work with you to find the right solution for • A loan used to finance a your unique financial situation ... so you can save money anywhere and everywhere you can! vacation, wedding, or other How does SmartRefi work? personal expense It's simple. Capital One uses an interactive tool called Savings Finder- to sort through your savings options and customize a solution that could save • A home improvement loan, you time and money. Call and speak with a knowledgeable consultant or home equity loan or mortgage try it out yourself when you visit us at www.smartrefi.capicalone.com. Remember, the sooner you contact us, the sooner you could start saving. • And more! So don't miss out on this fast, easy and smart way to save money. Call toll free 1-877-324-REFI (7334) or visit us at www.smartrefi.capitalone.com today. PETER ISCARIOT, Sincerely, WT , saving is easy! Pat W. Johnston call toll free Senior Vice President, Capital One ® 1-877-324-REF! (7334) I?S. Call or go online today to start saving by refinancing any loan at visit us online a lower rate. See how SmartRefi can work for you - call toll free www.smartrefi.capitalone.com 1-877-324-REFI (7334) or visit us at wwwsmartrefi.capitalone.com. For Preferred Customers 40s Page 2 of 3 CaPl?/One•ISmartRefi" LENDEN GapitMone- SmartRefi- © 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. s7s4M Enjoygreater flexibilityjwith the attached Capita! One' Purchase Checks! Purchase Checkser make every purchase more convenient with easy account access and no transaction fee. Ob Plus - • Make purchases where credit cards are not accepted • Pay off higher-interest-rate balances directly • Access your account anytime, anywhere a Use just like personal checks No matter how you use them, you're sure to enjoy the added convenience Cap tat oW of Purchase Checks. But hurry - they expire October 31, 2004. Use yours today! whatY in your wanee7- " Important Information regardingyouricaphatone Purchase Checks: The attached checks will be treated as purchases according to theterms of yourCustomerAgreement and any amendments to it but may not qualify for any reward programs. The attached dicks are subjectto creditavailebillty, so you must have the available credit on the day Capitai One processes yourcheck. 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 anyway, past due or in collections at the time it is processed. If the credit is unaai[able or your Account is not current, as stated, your check will be returned unpaid and you maybe assessed a returned check fee. These checks cannot be used to pay down or payoff 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 2004 Capitol One Services, Inc. Capitol One Is o federally registered service mark All rights reserved. Two Hundred and Capital(Xe Richmond, VA Memo Date Cardholder if,1064911a 1:0 5 100 6 7 781:8652202752625n¦ Capi WOW Richmond, YA 0^ Memo Date Cardholder 01065011• l:05i0067781:8652202752625n2 Page 3 of 3 so649 68.677/510 201250 04895 U W 200.00 $ V ? W Dollars = V oc a io65o 68-677/510 201250 -4895 W Z CJ $? W (Wrl Q Z Dollars CL io651 Pay to the order of Expires October32, 2004 68-677/510 201250 04895 %C Q W Z V $ W LO) Q Z rM11 - U CaprtaIOW Richmond, VA Memo Cardholder Signature a 110 10 6 5 111• 1:05i006778f:865220275262511¦ PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 17050-9116 Dote PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA170So-9116 PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 1705o-9116 0 m0 m z w O m m o1 m in O A I, Z y z i n v Z0 0 A >N C4 Z 7,0 c m c? ? y Z = ccn w m r 9794M X 0 A O m z mo m 0, m o m m O' p w m a zs z 0 yn A F N Zo Z ?m c m c ox z=_ U) w m * m 0 m O m z m 0, m ? y O m zz D m n o A ? w z 0 H z w ? m c ? Z = 0 N m? *m 590100 ` See for yourself why our Home Equity Line of Credit could be your best financing solution! Your Reservation Number: 48270163861158 • Save with variable rates as low as Prime, currently 4.50% APR • Receive a credit line up to $200,000 • Have easy access to your funds through checks • Use what you need; pay it back in low monthly payments • Applying is quick and easy Enjoy great value without the hassles. Call about a Capital One Home Equity Line of Credit today! 1-866-896-9596 •Q Mon-Fri 8 a.m.-9 p.m. ET Sat 8 a.m.-5 p.m. ET LEMBO Or apply online at www.capitalonemortgage.com C.Pftwow mortgage & home equity' Account Summary Previous Balance $2,64627 Payments, Credits and Adjustments $79.00 Transactions $19.95 Finance Charges $41.09 New Balance $2,628.31 Minimum Amount Due $78.00 Payment Due Date November 06, 2004 Total Credit Line $3,000 Total Available Credit $371.69 Credit Line for Cash $1,500 Available Credit for Cash $371.69 At your service To call Customer Relations or to report a lost or stolen cud 1-800-903-3637 Send payments to Send it q is to: Attn: Remittance Processing Capital One Services Capital One Saviea P.O. B. $5147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information Want to make a difference this November? VOTE! Your vote is important, so get out there on November 2. Only you can make sure your voice is heard. Every vote counts! PLATINUM VISA ACCOUNT 4862-3622-0275-2625 SEP 09 - OCT 07, 2004 Page 1 of 1 Payments Credits and Adjustments I 28 SEP CAPITAL ONE ONLINE ACH PAYMENT $79.00- Transactions 2 10 SEP BIB ARCH SOCIETY MOMEN 202-3643300 DC $19.95 As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps your 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy..411 orders will be processed between January 15 and February28, 2005. As long as this benefit is available for your account, you mast call in each year in order to receive a Yew-End Summary. You will be notified in your statement on how to opt in for your Year-End Summary. Finance Charges Pkate see reverie tide jm important information f Bd-e rah Period. Cao <r 11-1 R RICE A1C?`E applird[v rde P PURCHASES $2,567.43 .05134%P 18.74% $39.54 CASH $91.06 .05682%P 20.14% $1.55 ANNUAL PERCENTAGE RATE applied this period 18.80% PLEASE RETURN PORTION BELOW WITH PAYMENT clj7__ 0000000 0 4862362202752625 07 2628310079000078004 New Balance $2,628.31 Minimum Amount Due $78.00 Payment Due Date November 06, 2004 Total enclosed $ Account Number: 4862-3622-0275-2625 Street Apc # City State ZIP Home Ph- At.,..,, Ph- #9028256580575519# MAIL ID NUMBER PETER ISCARIOT Capital One Bank P.O. Box 85147 4173 GROUSE CT Richmond, VA 23276 0 MECHANICSBURG PA 17050-9116 Please unite your account number on your cheek or money order madepayable to Capital One Bank and mail in the-1wed envelope. R'eareprnt,nmiing ad rra? e-mail rAmgrr be! erring bl orb! kink r Capital One, F.S.B. Home Equity Line of Credit amounts range from $15,000 tip to $200,000. Lines of Credit up to $1,000,000 are possible. Loans are not available in AR. The interest rate is based on the "Prime Rate" (4.50°,6 as of 08/10/04) as published in The Wall Street jmraal, plus a margin on loans with a combined loan to value ratio of less than or equal to 100%, and is available on a single-family, owner-occupied, primary residence only. The Prime Race-and, consequently, the Annual Percentage Ram ("APR")-can vary monthly. The amount of the margin ranges from 0% to 7.9%, depending primarily on the amount of equity in your home and your credit history information. Maximum possible APR is 18% (lower in some states). Please call us for more details. No annual fm 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 12 months. For other programs, a $75 annual fee applies in most stares, but it is waived for the first year. In several states, an early termination fee of up to $350 applies. A minimum initial draw of $1.5,000 is required. For closing-cost-option programs: Closing c ,srs range from $50042,500, depending on amount of credit line and property le-ttion. Rams, programs, and loan requirements vary from stare to state and are subject to change. Please call us for more details. This is not a commitment to lend. Capital One is commixed to making every effort to find the right product for your situation. However, in some cases, when we are unable an provide you with a Capital One product, we might be able to give you another choice of Mortgage products. We would then put you in contact with Full Spectrum Lending, a wholly awned subsidiary of Countrywide Financial-one of the largest mortgage providers in the country. Thi offer will only be made available to you with your permission and only if Capital One is unable to provide you with the right product for you. Gt ) 2004 Capital One Smites, Inc. Capital One is a kdemlly registered service mark. All rights reserved. 8 O o O ? o Cl Q LENDER periodic rate. To obtain the average daily balance for the filling ded covered by this statement, we take the begi? balance of each mgreem each day, add any new transactions to each segment, and subtract any Payments or credits. (If the code N appears on the from of this statement next to 'Balance Rate Applied To,' we also subtract any unpaid drone charge included in the balance of each aegn0 .) This gives tin the daily balance of each segment. Tien, we add up all the daily balance for each segment for the billing period and divide by the total number of days in the billing period. This gives us the average daily balance of each segment. 3. Arraal Peroerrapa Rats IAPRI. a. The term 'Annual Percentage Rate' may appear as 'APR' on the from of this ratemem. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), OF S (Bankcard Prime) appears on the from of tics statement rod to the periodic rate(s), the odic rates and corresponding ANNUAL PERCENTAG RATES may vary quarterly and may increase or decrease based on the armed knits, as found in The Wall Street Joan!, plus the margin ppreviously disclosed to you. Thom =- will be effective on the fine day of your blNMg vered by year periodic rremon ending in the months January, April, July and October. c. If the code D (Prime), F 0-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appears on the from of your Matemenl root to the pedadc rate(s), to pe.iZc rats and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may incream or decrease based on the stated indices, as found in The Wad Street Jaanal, plus the margin previously dsdosed to you. These danges will be effective on the fist day of your billing period each month. 4. Aasamra of Late, !Twin[ and Rabrned Payntsrt Foss. Your accou tt will be amessed to more than tyro of the fees listed here that occur during any billing period. Under the terms of your customer agreement, we reserve the Fight to waive or rot to asseas any fees without prior notificatim to you w'thout waiving our right to assess the same or similar fees at a later time. 5.tRanaw1rp You Aaeuit. If a membership fee appears on the front of this statement, you haw 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fm credited to you if you caned your account. During this period, you may continue to use your account Wthou having to pay the membership fee. To cancel your account, you must notify tot by calling our Customer Relations Department and pay your 'New Balance' in full (excluding the membership fee) pdor to the end of the tiny-day period. S. R You Close Your Ae-unt. You can request to close your account by calling our Customer Relations Department. You most destroy your credit card(s) and amount access deck., cancel all prcamhorized billing, and cease usin ywr secant. If you do not cancel preauthorized billing arrangements, we will consider receipt of a charge your authorization to reopen your account. Additionally, your account wall rot be closed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, par due fees, ovedimit ten, retumed payment fee., cash advance fees and any whet fees asserted to your account. You are responsible for these amounts whether they appear on your accesnt at the time you request to close the account or they am Incurred subsequent to your request to dose the accent. This may result in charges appearing on your accent after you have your accoum if it has already been dosed. For example, if yen authorized a purchases from a mareforrt and we receive the transaction from the merchant after your account has been coned, your secant will be imported, the ameuht of the large will be added to your aCCOtnt, and you will be responsible for payment. If there is a membership fee for your ammnt, the fee wsN continue to be target, to the extent miffed by law, until the account balance tan been paid In full as defined above. 7. Usig Yo or Aaasua.Ywr card or accent carrot be toad in c ano-don with any Interior gambling tmrree Lions. 6. Had- Ahar Fusaiene Cheek Cawrslars. When you provide a check as psynant, you audndze us either to toe information from your dock to make a one-time electronic fund transfer from your bank account or to process the payment to a deck transaction. When we tee information from your deck to make an electronic fund trarsrer, fund may be wit drawn from your bank account as soot as de same day w, receive you paytllellt, aid you will rot raced[,, your deck beck from yea iFherrial iutinmm. BILLING RIGHTS SUMMARY (In Ca- Of Errors Or Guesdo s Abu Your Bill) If you think your bill is wrong, or if you need more information on a transactim or bill, write to us; ex a separate sheet as went as possible at the address for 'npides shown on the from of this statement. We mum but from you ro later than 60 days after we ant you the first bill an which the emor or problem appeared. You can call our Customer Relations number, but doing m will ret preserve your rights. In your letter, give u the following information: your name and accost number, the dollar amrnt of the suspected error, a deecription of the error end an explanation, if possible, of why you believe there is an error, or If you reed more information, a description of the Item you are [meta. about. you do rot have to pay any amount in question while w, are Invergatitg ill, but you re still .bingeted to pay the pons of your WII that are not in question. While we investigate your tpesdoo, we cannot report you as delinquent or take any action to collect the amount you question. I,t Special Rule For Credit Card Purchase If you have a problem with the quality of property or services that you purchased with a credit card and you have tried In good faflh to correct the problem with the merchant, you may have the right not to pay the remairing moat due on the property OF services. You have Wa protection 'Fly wfien the purdaa pdoe was more than 450.00 and the purdhese was made in your home erne or vd1Nn 100 mils of your mailing address. (If we own or operate the merchant, or if we mailed you the wNertimment for the property or services, all purdahs are covered regardless of amount or location of purchase.) Plame tonember to sign all correspondence. t Does not apply to eortsunter -11odd cord accounts I Does rot app/y to business ten-omit card accounts 3 supports IniomaJon privacy protection: me our vW=ptalOrte.c9le. s is a federally rep stared service mark of Capital dal Corporation. A11 rights mmry,d. a 2003 a O1LOLBAK t a. Qom Period. You will have a minimum grace period of 25 days widiate finance carpe on nevv purchases, new balance transfers, now special purchases and new, oother charges if you pay your total 'New Balance", in accordance with the Important Notice for payments below, and in time for it to be credited by your text statenam closing date. Them is ro grace period on cash advances and special transfers. In adctbn, them is ns grace period on any transaction If you do not pay the total 'New balance.' b. Aetmiig Fi ones Charge. Trarhawlans which are net =.L. a grace Pfd am ...eaed fironce =r ga 1) data of the traroacdon or 2) free, the tle transaction is processed to your Accent or 3) from the fiat calendar day of the current bi" ppeerinod. Adddeagy, if you did rot pay the 'New Bdence franm the provide billing period In full, fironce charges continue to aroma to your unpaid balance urm0 the unpaid balance ha paid in full. This means dot you may aW owe fihanhca dirge even if you pay the entire New Balance rdceted on the front of your matenmernt by the rote sutere nt dosing time, but dal not do so for the previous month. Unpaid finance, charges am added m the appNtable -goes of your Accars. t c. MYYmra Fiherea &=. Fw each billing period that your account is subject to a finance, change, a min man :al FMNCE CHARGE of $0.50 WN be imposed. If the total fironce large reaJdng here de cation of your periodic rme(sl is ba than 30.50, we I subtract that amount from the $0.50 minimum and the dffererhee will be billed to do pumosse sept?ire of your account. t d. Tannparary Rainatisn ih Fkh e Charge. We remrve the Fight to not names any or all finance carom for any given bill' rld. 2. Average Daly Balarhs 1 Naw Hudhssa.l. a. F-- char,,. is calalated 6V multiplying the daily balance of cadh segmwm of your acco r (e.g., cmh advance, purchase, special transfer, and special purchase) by the cwrespondng daily periodic male) that has loon, ,he billing previously pdisclosed eriod, t apply the daily pododc?rate for IT segment of you accent to the dl? balance of each segment. Then at Nei end of the bl.4 period, w, add up the molts of (bees daily calculations to arrive at your periodic finance charge for each segment. We add up the results from each segment to arrive at the total periodic finance charge for your accent. To get the daily balance for each segmene of your accent, we take the beginning balance for each segment and add anyy tow tmrmctions and any pododc firrenrce charge cal red an do prevents day's balance for that -grant. We [fan subtract any paymoss or credits posted to of that day that are allocated to dot -grmnt. This gives to the separate daily balance for each segnont of your aceum. Ho==in Id the haw Belmce ar- on your pra; k" full (or if your new, balance was zero or a credit mount), rover Interactions which past to your purchase or special Widow ?d gnaverage aw am?1y abalance dded to the daily by adding ealll the daily e ca= balances together and dvidrq the sun by the ember of the days in the arrant biting cycle. To calculate your total finance charge, multiply your average daffy balance by the daily penode rate and by the number of days in the billing period. Otis to ranting on a daily basis, there may be s sight variant between this calculation and the amount of finance dorgcoactumNy assessed. b. If the code Z N apftean on the front of this maremu non ro -finance Rate Applied To,' we multiply the .. 10001M Important Notiaa: Payments you mail to use will be credited to your ae,,um as of the Weiner, day we receive it, provided (1) you sod the bottom portion of this statement and your dock in the enclosed rwnittarce omelope and (2) your Payment is received in our pnoceming center by 3 p.m. ET 112 mom PT). Please allow at fear dye (5) bosoms days for postal delivery. Paymens received by us at any other location or in any other form may not bBe erected as of the dal we receive them. Our business day. are Monday through Saturday, excluding holidays. Pleam do rot use staples, paper dip etc. what preparing your payment. When you send use a chat; (a), you authorize na to make a one-time electronic IMMfer dabh iron your bank accenn for the emeun of the dock This audotization applies to all checks received during the billing cycle even if am by someone elm. If we, carrot proese the transfer, you authorize us to make a charge against your bank account using to check a paper draft or other item. 592800 PETER ISCARIOT, Watk into the dealership with your financing in hand! Get financing with no down payment required in just 3 easy steps: Call or 2 Head to the dealership 3 Drive home in your visit us online. with your Approval Package. new car or truck! Simply apply online at or call CapitalQne auto finance' YOUR PERSONAL RESERVATION NUMBER: 0074222291-04663 Caplfa Account Sumrnary Previous Balance. 52,628.31 Payments, Credits and Adjustments $78.00 Transactions $181.18 Finance Charges $43.40 New Balance $2,774.99 Minimum Amount Due 583.00 Payment Due Date December 07, 2004 Total Credit Line $3,000 Total Available Credit $225.11 Credit Line for Cash $1,500 Available Credit for Cash $225.11 At your service To car Customer Relations or to report a lost or stolen cord 1-800-903-3637 Send paymenu to: Send inquiria to: Attn: Remittance Processing Capital One Seri- Capital One S-1- P.O. Bos 85147 P.O. Bar 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information 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 payments or other defaults on your account may also be reflected in your credit report. PLATINUM VISA ACCOUNT 4862-3622-0275-2625 OCT 08 - NOV 07, 2004 Page 1 of 2 Payments, Credits and Adjustments 1 06 NOV CAPITAL ONE ONLINE ACH PAYMENT $78.00- Transactions 2 19 OCT GLANT FOOD STORES #263 ENOLA PA $25.55 3 20 OCT KARNS QUALITY FOOD MECHANICSBURG PA 14.02 4 20 OCT HESS 38285 CAMP HILL PA 15.02 5 25 OCT RITE AID STORE 3613 MECHANICSBURG PA 43.99 6 26 OCT THE HEALTHY GROCER CAMP HILL PA 16.50 7 01 NOV WM SUPERCENTER MECHANICSBURG PA 20.25 8 02 NOV UNI-MART #4204 ENOLA PA 25.00 9 04 NOV KARNS QUALITY FOOD MECHANICSBURG PA 20.85 As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps your 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy. All orders will be processed between January 15 and February 28, 2005. As long as this benefit is available for your account, you must call in each year in order to receive a Year-End Summary. You will be notified in your statement on how to opt in for your Year-End Summary. Finance Charges Pleare see reverse sidefor important information B'd-edt Period. C-2 - .1-1 SE 1 1 .psp/irdto rmY I:riAK A rn PURCHASES $2,625.58 .05134%P 18.74% $41.79 CASH $91.54 .05682%P 20.74% $1.61 ANNUAL PERCENTAGE RATE applied this period 18.81% PLEASE RETURN PORTION BELOW WITH PAYMENT a 0000000 0 4862362202752625 07 2774890078000083001 Peicrrpriafmaitinga.IJrrrranb r-Araurlamgrsb<! min6bl orb! kink New Balance $2,774.89 Minimum Amount Due $83.00 So- Apt 3 Payment Due Date December 07, 2004 CIry Smte ZIP Total enclosed $ Home Phone Alwa Phone Account Number: 4862-3622-0275-2625 0 Email Address 1 #9031256580575514# MAIL ID NUMBER Capital One Bank s PETER ISCARIOT P.O. Box 85147 11111111 1111 111 111 11 4173 GROUSE CT Richmond, VA 23276 m MECHANICSBURG PA 17050-9116 a, ?u?t?u??ut?t??tu?t??u??au??ua ??tutu??t?u??ut??u?a? ° ?• ?tu???tu???tau?t?t??ln?t?ttua??ut??t??u?t?n?t?un?t?? Monday-Friday. 7 a.m.-10 p.m. and Saturday, 7:30 a.m: 6 p.m. (Central time) Please soriteyour a nt number myour ehetk or money ordn madepayable to Capital One Bank and mail in the entlwedmwlope Buy the car you want with no worries or hassles! You've been pre-selected for auto financing. • Competitive rates • No financing hassles • No down payment required Apply online at www.carfund.com or call 1-800-304-4854 today and take the first step toward owning the new or pre-owned car you've always wanted! Personal Reservation Number for PETER ISCARIOT: 0074222291-04663 Pleas- can aerial the boar- .b See Important Information regarding this offer Monday Friday, a.m.-l( Pm. and SaNnay. 7::30 a.m. -a p.m. (Central lime) Have this number available when you contact us. IMPORTANT INFORMATION. C-in mndiu.., mry apply Thie nf6 i? numn++s( iota. Yom enn(i+ hi-,y will be mi-i by Capivl O:x A,m Fin- in -la m prows }roar applinti- and muse par wing ayui_-,. ApPlie-.,ns muu Ir in y d rending (roe -rlindr o, PN due) a:.ny'the. eaininµ C.pi.1 On. aw?u?u. The sou+un+ of .un+ finanung will be b-d on eredic and appluu.lon aim.u. Any bv:4mpe6 o move chow diu6vgd on ymiu oath, bur-au mpm. Mini.- monthly irwunc Of S1,5w is rcquiml. Ny-, onrot canal IN% f g„a mcm,hly inane. T'ml arrmum, 6mnd man 6e ac 1-r S10,000. Imo<o-slue roniui'ns apply. Tim must M .i I., I8 yon I age Appl"-- mac. have a valid. mono add,- ,i,hi.n r6r IJ..d Sue.., de,i- d-.., APO, FPO and P.O. 8'. Ad- tae nn, eligible f r rlus'&r. Whidr mar be owner) amt mainmined in 6e Uniad Sum. O r, 4 v.hd for .11 rr+." (1991 .nd rrewv) adoding Rut Smuki, Old-bile. Mi.Aid i, Daewo' .d dj-.u.-d -hid, line.. T mnlmileage tav:.k,n. appl,-arc app-1 Nrk p f, rk,aih. Thin 46 i, n" valiJ f., wmycla, moi ilk It— RV, mm- d or sdwged hide and b,,m Tht, atk, b net valid in AK, in and U.S: Jepardenk rmi-ia. Program mane 'apply, 0'2004 Capital Cue S-im. Inc. Capital On, and Gpiml Due A- Fin:mtx m kd-lly ain-d .,. marks. All nine rc-W. 8 O O cb O O rV 'odic rate. To obtain the average daily balance for the Iling Period covered by t=hi ,omom, we take the beginrlnrg balance of each em each day, add any new, trareectiona to each segment, and attract any payments or credits. (If the code N appears an the from of this Statement rext to'Baience Rate Applied Tovote also uspeid finance charge irhduxled le tha balance suMra any of each segn?ant.) TNa gives us; the daily balance of each Segment . T+en, we add up all the dally balance. for each segment is dine billing period end divide by the total mamba of day. in the hitting pedod. This gales us the vetaggee daily balance of each segment. 3. And Paoartage Rah- IAPRI. a. The term 'Annual Percentage Rate' may appear as 'APR' on t " front of this statement. It. If the WP P (Prime), L (3ino. LIBOR), C (Certificate of Deposit), or S (Bankcrard Prime) appears an the front of this statomam next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may incrowe or decrease based the Hated indices, as found in The Was Sheet OFF Journal, plus the margin pDreviously disclosed to you. These tlhena Y be eHectlva -rhonfinal day of you bling padad m red by your pedoufc atrmem ending In the mnh. January , April, July and October. c. It the code D (Prime), F (1-mc. LIBOR) or G (3-mo. LIBOR Repriced M=I y) appea the from of your 'V. next to pedodc rate(a), the periodic rates and corresponding ANNUAL PEACENTAGE RATPS may vary monthly and may increase or decrease based on ft armed irndee r, a. food in The Wed Sheet Joanw, dm the margin previously disclosed to you. These coolies will The eff-d- on the fire day of your billing period each month. 4.. Asseasmrt of Lase, Ove irit wall RahanW Pagmrrt Fees. Your account will be aswased no mot than two of the fees listed hem that occur during any billing period. Under the terms of your customer all an, we, reserve the right to waive of rat to assess any tees with" prior notification, to you without waiving our right to assess the same or similar tees at a later time. 5.1Rahewig Yeur Aeecurt. If a membership fee appear. n the front of this Statement, you have 30 days from the date this Statement was mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your account. Dudng this period, you may continue to use your account without having to pay the membership fee, To cancel your account, you must notify us by calling our Cuartaner Rehab-a Department and pay Your 'New Oalance' in fall (axdtding tha membership fee) prior to the and of the thirty-day period. 8. If You Close You Asaout. You can request to close your account by calling Zr usomer Relations Depanmrnt. You mule deCroy your credit card(s) and acto-t access checks, cancel all prarmunr ized billing, end cease using your accoun. If you ch net cancel preaudedzed tilling arengem-tor, we will consider receipt of a charge your authorization to reopen your account. Additionally, y-r eccam will not be closed until you pay all amount- y- owe us including: any traraacgore you have authorized, finance charges, pan due fees, ovedimit fees, returned payment fees, cash advance fees and any other fees aseeawd to your acco-t. You are responsible for these amours wfiether they appear on your accam at the time you request to close tha account or they are incurred Subsequent to your request to close the rectum This may result in charges appearing an your accent after you have yocir account: authorized pu erd.? fror rn n a dm rcham rd weds. if you receive the transaction from the merchant after your cannot has been dosed, your accent will be reopened, the arrant of the large will be added to your account, Y be reapasibie for peymem . If there is a is a p fee for your accent, the fee will ca i ue in be charged, to the excel pomnitted by law, until the acceunt balance has been paid in full as defined above. 7. Using Yea Aataud.Youi card or account cannot be used in connection with any irterret gambling trarsactklrs. 8. N.0- Abort Ele trario Ch-k C.--. When, you provide a leek ea peytnent, you authorize m aliMr to Ise ari`ation from y deck to make a e-timo electronic fund transfer from your bank accent or to proceas the payment as a dock trareactlen. When we use information from your deck to make an electronic turd transfer, funth may be withdrawn from your bank attount as soon as the same day - mcaiva ya. payment, and you will not receive your deck beck from your f-and.1 institution. BILLING RIGHTS SUMMARY (In Case Of Errata Or Questions About Your Bill) If you think your fill Is wrong, or If you reed more nformatl- an a lrarsaci- or bill, write to u. on a aeperate sheet as won as poaaat the address for 'rhquirim shovrn on fine from of this nstemem. We must hear from you rot later then 00 days after we sett you the first bill - which the error or problem appeared. You can call our Customer Relatias rnmber, but doing so will net preserve your rights, In your letter, give u the following information: your name an ed accaam number, the dollar amount of the suspected rror, a description of the error and an VtmaZ=:% of why you bdiew: them I. an error; or if yfomath-, a deseription of the rem y- are uraure about. You do rot have to pay any m tan in q--clan while we are Investigating it, but you re "it obli tad to pay the pans of your bill that are not n questi-. 4Vhiie we invesil(pte your question, we carrot report You as delinquent or ta e any action to collect the amount you question. l,t Special Rule For Credit Card Purchases If you have a problan with the quality of properly or serN-s that you purchased with a credit card and you have tried in good faith to coned tlx: robiom with the merchant, you may hove the d;tl not t po pay the remaining amount due - the p ny or Services. You have us protectlon oNy vihen tM purdmse Drice was more than 450.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or Services, all purchases re covered regardesa of amount or location of purchase) Please remomber to sigh all correspondence. t Does not apply to c semen noncredit card accounts i Does not apply to business non-credit card accounts Capital One supports information privacy protection: we our webers et www.captalore.cem. Capital One is a federally re9'star?d service mark of Capital One Rnandal Coporati-. All rigitta reserved. • 2003 Capital One 01 LGLBAK 1. How To Avoid A Finance Charge. t a. Oraee Priod. You will have a minimum grace period of 25 Boys witMU finarea dirge on new purchases, new balance trarer:, revz special purrJases and row or-, charges if you pay your total -New Balance-, in accordaree with the Important Notice for payments below, and in tine for it to be cradled by your rote statement riming date. There is no grace period - cash advmnces arhd specal trasfers. h atfdtkxn, there is - grace period any tr---d- if you do net pay the total 'New, balance., b. Aoaruig Fknaae Chage. Trareactierre which are not subject to a grace period are amesead flreroe large 1) from tie date of the trarsactlon or 2) frem tie data de transaction is protxsaed to your Accnnnt or 3) from the first calendar daV of the asst billing period. Additionally, if you did rot pay the -New Balance- from the previous billing period in fill, finarcar, charges continue to accrue to your unpaid balance tall the ulpald balance is pad in full. This metre that you my still owe, frorre charges, even if You P•Y dhe arhure thaw Bernc?a hdoated on dine from of your Stataraent by tine cox[ autenent doeirp date, bur rid rot do w for the previous month. Unpaid Roar- charges =F=`=." agmou Aceant. t c. Far each bging period that your accent is srbjax to a Ina large, a ndNmun total RMkNCE CHARGE of 80.50 with be Mpmed. If the total finance large resulting flan the appp don of your periodic mte(a) is lase then 80.50, we vAlI Subtract: that amount hall the 80.50 mkinn m and the difference will be at ofyour account. billed to the purchase :r t d. Tang-wy Reduotinn hage. We reserve the right to rot assess any or all finance charges for any given billing period 2. Average Daily BWnee Ilnaludaw New Purehaaesl. a. Romance large is calculated by multiplying the daily balance of each wgr- of your 9¢nnaht (e.g., cash advance, pusdase, -pedal transfer, end specie pumlaSo by she ceneapadng daily periodic mho(s) that has been previously died oaed to you. At the end of each day during tM billing period, we appty tie daffy pedodc ree for each segnem of your accent to the daily balance of each segmam. Thin at tlhe ad of tie piing period, we add up the real[. of these BY ralculadao to arive at your periodic firhanc?e largo for eadl seg?ert. We add up the resulIS from each agmam to arrive at the total periodic fin-, large for your accost. To get the daily balance for each Segment of You accent, vve take the beginning balance for each segment and add any new trereactitns and any periodic finance charge celalaod - the previ-s day's bernce for :1 sagnent. We thhah abtma any payments or credpanted as of chat day that ere allocated [o that aeglhnnht. TNa gives m the aopere[e dally balance for each sagnom of your atonnnt. However, if you paid he New Balance at- - yar prevlas aarmott In fill (or if your new balarhce was zero ot a credit amount), new trahmotiore which post to you purehow or spedal purchase aegnons am rot -died to the dairy balerom. We calalate the avenge elegy balance by adding all the daily balancer; together and dividirhp the sun by the nnber of the days in the cutaem billing cycle. To calculate your total finance ciorge, t=y Your avenge daiy bMahce by the daily periodic rte eM by the :mbar of day. in the billing period. Due to ranting an a daily basis, them may be e sight variance between tNa calaiaUon and the amount of fintance ch"T -en 'sly easeased. It. If the code Z or N appears -the from of this stam went next to -Balance Rate Applied To: we "Ply It- 9976M Irtpatat Notioe: Paymums You mail to <w sell ha credited to your accent as of the business day wit rcdve h, provided (1) you and the bottom pool- of IN. atalemem and your check In tha encloseU remfuance rnvalape and I2) your Paymom U received in our prreeasirg center by 3 p.m. LT (12 rear PT). Please slow at least five (5) bustress days for poarl dMiwry. Payments received by - et any other 1-a or m any other form may not be credited as of the dayy we receive them. Our It ineea days are Monday through SaturdayY, excledng holiday.. Please do not use Staples, Paper di ;,is w hen preparing your payment. Wham you send us a deckle), you authorize u. to make cone-none Mectronc transfer debit tram your bank acco US I 'm for the amaan of the chock Thie authorizati on applies to all checks reaeryod durug the billing cycle even if sent by someone rice. If we cannot process the transfer, you authorize a o make a large against your bank account Using the dock, a paper draft or other item. A SPECIAL OFFER FOR PREFERRED CUSTOMERS Refinancing isn't just for mortgages anymore. What does SmartRefi mean for you? • Customized refinancing solutions that could save you money • A personalized plan with a knowledgeable consultant • Quick, no-hassle service 201303 CSmart Ref' Refinance any or Introducing SmartRefi. all loans and start An innovative way to save money saving today! by refinancing ANY loan! • Braces, laser vision correction, Dear PETER ISCARIOT, or cosmetic surgery Have you ever thought about refinancing outstanding loans other than your mortgage? Now you can with SmartRefi! Refinance any or all loans and be • College tuition or other given options on how you could save money! educational loans With Capital One"' SmartRefi, the possibilities are limidess. You might be surprised at the variety of loans you could save money on. • Your auto, motorcyde or With SmartRefi, you could refinance anything from a medical loan to a home improvement loan ... and more! boat loan Whatever loans you have, we'll work with you to find the right solution for your unique financial situation ... so you can save money anywhere and • A loan used to finance a everywhere you can! vacation, wedding, or other How does SmartRefi work? personal expense It's simple. Capital One uses an interactive tool called Savings Finderlm to sort through your savings options and customize a solution that could save • A home improvement loan, you time and money. Call and speak with a knowledgeable consultant. home equity loan or mortgage Remember, the sooner you contact us, the sooner you could start saving. So don't miss out on this fast, easy and smart way to save money. Call toll free • And more! 1-877-324-REFI(7334) today. Sincerely, PETER /SCARIOT, --D 1. W. vWulk Pat W. Johnston saving is easy! Senior Vice President, Capital One ® Call toll free 1-877-324-RER (7334) P.S. Call or go online today to start saving by refinancing any loan at a lower rate. See how SmartRefi can work for you - call toll free 1-877-324-REFI (7334). Aeoi Page 2 or 2 Home Equity • Auto • Personal • Mortgage • Education • Medical for Preferred Customers 10 CapHaMne° SmartRefi" LENDER CapiWOne- SmartRefi" V 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 9976M Make 2005 the year you stamp out debt. Call about a Capital One Home Equity Line of Credit today! 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.capitalonemortgage.com 594800 New Year's Resolution Number One: One payment. One low rate. Use your home's equity to consolidate holiday bills and other balances into one low rate payment. You'll pay off debt quicker, save in interest, and simplify your finances! Reservation Number; 59880263325997 Rates as low as Prime, currently 5.00% APR' ^ Interest maybe 100% tax deductible; u $0 closing cost option available LENDER Close in as little as 10 days Copil ow- mortgage & home equity` ' Rate in effect as of t1112104. CIO" PLATINUM VISA ACCOUNT 4862-3622-0275-2625 NOV OS - DEC 07, 2004 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $2,774.89 1 30 NOV CAPITAL ONE ONLINE ACH PAYMENT $83.00- Payments, Credits and Adjustments $83.00 Transactions $126.35 Transactions Finance Charges $30.57 2 08 NOV CVS PHARMACY *1622 003 LEMOYNE PA $17.66 New Balance $2,848.81 3 10 NOV GIANT FOOD STORES #110 CAMP HILL PA 33.57 Minimum Amount Due $85.00 4 16 NOV SUNOCO MECHANICSBUR PA 21.00 Payment Due Date January 07, 2005 5 17 NOV GIANT FOOD STORES #110 CAMP HILL PA 34.05 6 17 NOV GIANT FOOD STORES #263 ENOLA PA 20.07 Total Credit Line $3,000 Total Available Credit $151.19 Congratulations! Some or all of your Annual Percentage Rates (A.P.Rs) have been lowered. As Credit Line for Cash $1,500 previously disclosed, Capital One reserves the right to raise your A.P.Rs in the future if your Available Credit for Cash $151.19 account does not remain in good standing. All other terms and conditions remain in full force and effect. At your service To all Customs Relations or to report a lost or stolm card: 1-800-903-3637 Send payments to: Send inquiries to. Attn: Remittance Processing Capital One Services Capital One S__ P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information It's Capital One Bowl Week time 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 bowl championships, and for college football's ultimate prize: the BCS National Championship. And on New Year's Day, be sure to tune in to ABC to watch the Capital One Bowl and see which mascot is crowned the Capital One National Mascot of the Year'. Finance Charges Please su reverie sidefor important information f m W, F-du Core:yamdixg B a la ? o . .w / &.W rah APPR Pt Al(li PURCHASES $2,778.99 .03534% 12.90% $29.46 CASH $90.78 .04082% 14.90% $1.11 ANNUAL PERCENTAGE RATE applied this period 12.96% PLEASE RETURN PORTION BELOW WITH PAYMENT V 0000000 0 4862362202752625 07 2848810083000085002 New Balance $2,848.81 Minimum Amount Due $85.00 Payment Due Date January 07, 2005 Total enclosed $ Account Number: 4862-3622-0275-2625 Capital One Bank P.O. Box 85147 111111111111111111,111 Richmond, VA 23276 Plexe unite your accounl number on you Plareprfai_1,mg a--14--)--, belovu*i.gbirv orb! km. A.Pc 4 City Spats ZIP Home Phone Altemate Phone 0 Email Address #9034356580575519# MAIL ID NUMBER PETER ISCARIOT 4173 GROUSE CT MECHANICSBURG PA 17050-9116 .mss o ? Iu1IlIulllluu'e I11Iu 1l eluuel'u e'Iellu'1Inllluulel' check or moray order made payable to Capital One Bank and mail in the enclosed enve.' pe. r ` Please consult your tax advisor. Capital One, F.S.B. Home Equity line of Credit amounts range from $15,000 up to $500,000. Lines of Credit up to $1,000,000 are possible. In Texas the line of credit may not exceed 50% of the home's value. Loans are nor available in AR. The interest rate is based on the "Prime Rate" as published in The Wall Street journal, plus a margin on loans with a combined loan to value ratio of less than or equal to 80% in Texas (100% in other states), and is available on a single-family, owner-occupied, primary residence only. The Prime Rate-and, consequently, the Annual Percentage Rate ("APR")-can vary monthly. The amount of the margin ranges from 09o to 79%, depending primarily on the amount of equity in your home and your credit history information. Maximum possible APR is 18% Gower in some states). Please call us for more details. No annual fat 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 12 months. For other programs, a $75 annual fee applies in most states but it is waived for the first year. In several states, an early termination fee of up to $350 applies. Neither the annual fee nor the early termination fee apply to Texas residents. A .i,,inua an initial draw of $15,000 is required. In Tc as subsequent drawn mast be at least $4,000. For closing-cost-option programs: Closing costs range from. $50042,500, depending on amount of credit line and property location. Texas residents arc eligible for no-closing cost programs only. Rates, programs, and loan requirements vary from sate to state and are subject to change. Please call us for more details. This is not a commitment to lend. Capital One is committed to making every effort in find 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 to give you another choice of Mortgage products. We would then put you in contact with Full Spectrum Lending, a LENDER wholly owned subsidiary of Countrywide Financial?ne of the largest mortgage providers in the country. This offer will only be made available to you with your permission and only if Capital One is unable to provide you with the right product for you. aaaaaaa? 8 O j O O? O _N P riodic rate. To obtain the average daily balance for the lirg pedod co vered by this statement, we take the he4nning belarce of each segment each day, add any now transactions to cacti segment, and contract any payments or credits. (If the code N appears en the tram of this statement next to "Balance Rate Applied To,* we also subtract any unpaid trance charge included in the balance of each se t) This gives us the daily balance of each segment. Then, we add up all the daily balaceca for each segment for the billing period and deride by the toad number of days in the billing period. This gives us the average daily balance of each segment. 3. Aresial Perarabaga Rates IAPRI. a. The term 'Annual Percentage Rate' may appear as 'APR' on the frent of this statement. b. If the code P (Prime), L (3-ma. LIBOR), C (Certificate of Deposit), OF S (Benkcard Prime) appears on the from of this statement next to the pedodic rate(s), the periodic rates and conespon6ng ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based m the stated indices, as found in The Wall Street Jaraef, plus the margin previously dedoaed to you These ?hengaa will be effective on the flirt day of Your billing pedal covered by your periodic statement ending in the months January, April, July and Octbef. c. If the code D (Prime), F 0-mo. LIBOR) or G (3-mo. LIBOR Repriced Mornay) appears m the from of your statement next to the periodic rates), de periodic rates and mrresoorndke ANNUAL PERCENTAGE RATES may vary montNy and may increase or decrease based m the stated indices, as found in The Well Street Jormel, pis the margin previously disclosed to you. These changes will be etective on the first day of Your tilling period each month. 4. Assumrrd of Late, Overinait aM Ratumed Psytrwt Feu. Your account will be assessed no mom than two of the fees listed here that mmr during any billing period. Udder the terms of your customer agreement, we reserve the right to waive or Fiat to assess any fees win" prior notification to r Wirmt walving our right to assess the same or similar at a later time. 5.tRrawlnq Your Aavat. If a membership fee appears On the from of this statement, you have 30 dap from the date this statement was mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your accourm. During this period, you may continue to use your account without haying to pay the membership tee. To cancel your accent, you most notify us by calling our Customer Relations Department and pay your 'New Balance' in full (excluding the membership 7m) prior to the aid of the thirty-day period. 6. N You Close Your Aaaaat. You can request to dose your account by calling Our Customer Relations Department. Yet most destroy your credit card(s) end accent access checks, cancel all preautMrized billing, and cease using your account. If yet do not camel preautlerized billing arrangements, we will consider roce,pt of a charge your authorization to reoppen your accent. Additionally, your accent will rum be decd will you pay all amounts yet owe us including: any transactions you have authorized, finence charges, pan due fees, overlimit face, returned payment fees, cash advance fees and any other fees assessed to your accent. You are responsible for these amounts whether they appear on your accent at the time you request to close the account or they are incurred subsequent to your request to close the account. This may result in charges appearing on your accoom after you have your account if it has already been closed. For example. if you authorized a purchase from a merchant and we receive the trareactim from the merchant after your scant has been dosed, your account will be roopersed, the amount of the barge will be added to your amount, and you will be responsible for payment. If them is a membership fee for your account, the foo will continue to be charged, to the extent permitted by law, until the amount: balance less been paid In full as refired above. 7. Usktg Your Aooourre.Your card or account cannot be used in con necdorn with any Internet gambling 8. Notice Abet Elsa pay Check you outrr. Whin you provide deck as m pay your you authororize or rider to use information fmn your Bhackr make a ore-rime elme ford transfer from your bank errant or to processar t ion gent as your check transaction. make an When we use information ram yar clack to make an bank fund transfer, funds tr n as may withdrawn from your your ba bank ammo[ as soon as the same day receive your payment, and you will nor receive your check beck from your financial institution. BILLING RIGHTS SUMMARY (in Case Of Etors Or Questions Abort Your Bill) If you ink* your bill is wrung, or if You reed more intmation m a transaction o bill, write to us on a separate sheet as soon as possible at the address for inquiries shown on to tram of INa ateremem. We must hear from you no later than 60 days after we suit you the first bill on which the error or problem appeared. You can call our Customer Relations camber, but doing so will not preaerve your 6". M your letter, give us the following information! your tame arid account number, the dollar amount of the suspected error, a deemptim of the error and m etplara, it posaibie, of why you believe there is an error; or If )tian reed more Information, a deacdpden of the item yen am unsure abort. You do not have to pay any amount In question wNI. we are Invetrrigarng it, but you m still obisgaled to pay the parts of your bat that ere not in question. yJhile we investigate your question, we trot report you as delinµtent or take any action to collect the amount yin question. 2,t Special Foie For Credit Card Purchases If you have a problem with the quality of property or seMcei that you purchased with a credit card and you have tried In good faith to correct the problem with to merchant, you may hale to right not to pay the remaining imam due on the property or services. Yen have this protection Only when the purchase price was more than 850.00 and the p ircase was made in your bane sine or within 100 miles of your meifinhg address. (If we own or operate to merchant, or if we mailed you the advertisement for to property or seMcee, all purchases are covered regardless of amount or location of purchase.) Please remember to sign all correapondence. T Does rot apply to consumer son-crodit card accounts t Does rat apply to business man-credit card accounts Capital One wppons information privacy prometiont see our webehe at www" halora.cam. Capital One m& federally req'srued service mark of Capital One Rrandat rporation. All rights reserved. s 2003 Capital One 01 LOLBAK t a. Or- Period. You will he- a miNmum grace period of 25 days without finance charge on new purchases, new balance trarssfara, new special Purchases and new other charges if you pay your total -New Balanco-, in accordance with the Important Notice for payments below, and in time for it to be credited by your nett statement closing date. Them is no gam period on cosh advances and special transfers. In addition, them is no grace period any transaction if you do not pay the total 'Now bar- b. Acoruing Finerhoa Castile. Transactions which arc not ofrm he date of tot d ] .. misessed fi-- charge transaction or 2) from this date te nansamtionh is processed to your Account or 3) from the first calendar day of the cmmm hiGlrhg period. Addidaally, if you did not pay the 'New Bnbance' trom the pmviotn billing period in full, finance charges continue to accm to your unpaid balance udl the upaid balance is paid in full. This means that you may still ours, fiance charges, Oven if you ray tea entice New Balance intimated on the from of year statemat by the next reamnent dosing claim, but rid not do so tr tie previous month. Unpaid Martin charges added to the appYmota segment of your Amount. t c Micnarn Finrwa Charge. For each billing period that your amount Is to to a finame charge, a nricnnun total RNANCE CkbARGE of 80.50 will be Imposed. If the total finance large morph from the apdimtim of your periodic mte(s) a leas than 30.50, ws I s i mict that amount from the 80.50 minimum and the difference will be biped to the purchase :r.=:,h.,. f your a. t d. TanparrY RadiMian We r-. - the Fight to not aaaeav any m all finance charges for any given bitthp period 2. Average Daily Sail- J" to New P rchausl. a. Hnance charge is calculated y multiplying the daily balance of each segtmt of your acmes (e.g., cash advance, purchase, special transfer, and special purchase) .g toy you pyrevk,usly d sdiud. Au[ the end (of each day dung the billing rod, we eppry the daily periodic at for inch e.g.- of your accent t the daily balaree of each sogte+m. Then at the end of the bring period, win add up the reacts of these daily calculations to arrive et you pedodic Mann large for each a Vn- We adH up the reaire from each segment to arrive at the total periodic finartm Marge for your accourht. To get the daily baleen for each segment of your acows, we take the begirrsng balance for each segment and add anyy new tarsactiore and any periods finance large mbeiMed m the previous day's balanis, for that segment. We then subtract any payments or credits posted of tat day then am allocated to Char segment. This gives cis the separate dally balance for each segment of your amount. However, if you paid the New Balance shown on your prevkhus 9atrrna% h U"I (or if your new bolaree was zee or a credt amount), new transactions which post t your purchase or special purchase segments am rot added to the daily balances. We calculate the average daily balance by adding all the logy balances together and dividing the sun by the number of the days in the current biting cycle. To calculate, your total firerhce large, nafddY Your average daily balance by the daily periodic ate and by the ember of days in the billing period. Due to mm?drtg to a dally basis, them may be a slight variance between this calculation and the amount of finerhce hergOoacesty assessed. b. If the code 2 N appma en the from of this statement next to 'Belahhce Rate Applied To,' we mJtiply the Ntpet?rt Nndw: Paymama you mail to us will be credited to your auxxarn as of the business; Bey we receive it, provided (1) you sod the ocean ponten of this statement and your check in the O cloaod rani=. unto myeiope and (2) your payment la received in o r proceaaing cem n by 3 p.m. ET (12 men PT). Ream allow at lean five (5) business dap for postsl delivery. Payments received by us at any other location or to any Other form may rat be carted as of the dervy we receive them. Our burliness dap are Monday through Saturdays etxkrding holidays. Rease do not use =es paper d'ps etc. w hen preparing your payment. When you sere us a c eck(a), you authorize us to make a as-tine electrode transfer debit tram your bank accourn for tta amermt of the tack This authorization appbu to all checks received during the billing cycle even if nom by seneoe else. It we cannot pmeess the transfer, you authorize us to make a charge against your bank aomun using the check a paper draft or other hem. n1 1 Surf up to 5x faster. a FREE Acmieraltor for the first 12 monthst -a $60 value! 1-888-587-9669 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: ® Virus Protection powered by Symantecr" ® Pop-Up EllockerT"' Spam controls ® Smarter Smart Dialer Technology ® ?cr More Email Addresses ® Internet Call Waiting Account S Previous Balance =2,848.81 Payments, Credits and Adjustments $.00 Transactions $323.00 Finance Charges $34.03 PLATINUM VISA ACCOUNT DEC 08, 2004 - JAN 07, 2005 4862-3622-0275-2625 Page 1 of 2 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. Transactions New Balance $3,205.84 Minimum Amount Due $205.84 1 07 DEC GIANT FOOD STORES #263 ENOLA PA $29.82 Payment Due Date February07, 2005 2 07 DEC GIANT FOOD STORES #263 ENOL 6, PA 12.00 3 09 DEC EXXONMOBIL75 04722336 PINE GRO PA 18.00 Total Credit Line $3,000 4 16 DEC WAL-MART STORES, IN CARLISLE PA 199.18 Total Available Credit $.00 5 17 DEC OVERLIMIT FEE 29.00 Credit Line for Cash $1,500 6 07 JAN PAST DUE FEE 35 00 Available Credit for Cash $.00 . "Important Notice- In order for us to provide you with the most appropriate servicing options, At your service account terms and products, we need to collect additional account information from you. PLEASE CALL US at 1-888-440-5148 and allow us to prompt you through a few simple questions. Thank To can Ctwomer Relations or to report s lot or stolen card you for choosing Capital One. 1-800-903-3637 Send payments to. Smd ingwria to: Attn: Remittance Processing Capital One Servi- Capital One Services P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond VA 23285-5015 Important Account Information 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 payments or other defaults on your account may also be reflected in your credit report. You were assessed a past due fee of $35.00 on 01/07/2005 because your minimum payment was not received by the due date of 01/07/2005. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Fu=cc Charges Pleae see reverie ride for important information rctr P Conerpmldirtg w g duo enn rmtr AAPPR i GE PURCHASES $3,001.36 .03534% 12.90% $32.88 CASH $91.13 .04082% 14.90% $1.15 ANNUAL PERCENTAGE RATE applied this period 12,96% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362202752625 07 3205840083000205848 New Balance $3,205.84 Minimum Amount Due $205.84 Payment Due Date February 07, 2005 Total enclosed $ Account Number: 4862-3622-0275-2625 Capital One Bank P.O. Box 85147 Ill nllluulllllulll Richmond, VA 23276 Il lllflllll11?1'?111IIII II I'IIIIIIIIIIIIIIIIIIII II IIII II II IIII Please writey- aaoant number on y- peoplepa- online u A better way to Internet. Mraupriatmaiilagaddrrrra? e-mci/rlxrsgrrbr! ssrindb! orb( kink steel Apc M Cwty S.. ZIP Home Plmne Alw,- Phone s #9000856580575518# MAIL ID NUMBER PETER ISCARIOT 4173 GROUSE CT T MECHANICSBURG PA 17050-9116 o o II II II IIIIII'llll?lll llllllllllllllllilllll t•IIII'11I1'11I1IIII rheck o moray mde made payable to Capital One Bank and mail in The ent1wed envelope. r peoplepc- online 1___/ A better way to Internet. UNLIMITED INTERNET ACCESS 1-888-587-9669 .. • Mention Offer Code: DIAMOND Or visit www.peoplepc.com/go/diamond PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you may he communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PwplePC Online: First 3 months are billed at $4.91 per month; $9.95 per month thereafter. Offer available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any time. Phone technical support available 'or $1.95 per minute. }Accelerator is free for 12 months. Offer good for limited time. After the first 12 months, the Accelerated service will automatically revert to the standard PeoplePC Online service. Offer subject to change at anytime. With PeoplePC Onme Accelerated, certain Web page text and graphics wig load faster when compared to standard dial-up Internet service. Actual results may vary. Pecl Online Accelerated is only compatible with PwplePC Online Intemetservice and specified Wmdl browsers. PeoplePC Online Accelerated is not compatible with wnrlows® 95 with IE 5.5 SP2. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining 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-up numbers may be changed at PwplePC's discretion. Continuous use subiect to 6meout procedures. All use is subject to PeoplePC Or line's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. C 2006 Pei Inc. AD Rights Reserved. PeoplePC Online and its logos are trademaf of PeoplepC in the U.S. and other countries. 0 2006 Capital One Services, Inc. Capital One is a fedaaNy registered service mark. All rights reserved. ? , O Ofrz?htqt 0 ON ode rate. To amain the average daey balance for the 'llirq ppeeriod covered by this statement, we take the begnnkg balance of each segmen each day, add any new, transaction to each segnert, and attract any payments or credits. (If the code N appears on the hand of this statement next to 'Balance Rate Applied To,' we also attract any unpaid finance charge included in the balance of each segment.) This gives m the daily balance of each segment. Than, we add up all the dally balances for earn -a mem for the billing period and divide by the regal number of days in the billing period . This gives us the averer daily balance of each segment. 3. Araasl Pros tga Rates JAPRI. a. The tens 'Annual Percentage Rate' may appear as 'APR' an the front of this statement. b. If the code P (Prime), L (3-rim. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appears on the fret of this statement raxl w the periodic revile), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may inic"se or decrease based on the stated indices, as farad an The Wet) Street ?aunal, plus the margin poreviously disclosed to you. These changes will be ettsaw on the that day of your billing period covered by your pedodc statement erdrg in the months January, April, July and October. c. If the code D (Prime), F 0-mo. LIBOR) or G (3-mo. LIBOR Repriced Monthly) appea the from of your statement next to the pedodc r tale), the Vedic rates and correspondre ANNUAL PERCENTAGE RATES may stated Indices, as inert ar TThe war Sires based Journal, of- the margin proAcusly dsdaeed to you. These charges will be effective an the first day of your billing period each month. 4. Asaumrat of Leta, Ovairdt and Returned payment Fees. Your accent will be assessed no mom than two of the teen listed here that occur during any billing paned. Under the terms of your customer agreement, we reserve the right to alve or not to asaeae any fine Wtfhaa prior rodflcation to You without weaving our right to amen the same or similar fees at a later time 5.tRarswng Yen A isorat. If s membership fee appears on the tram of this statement, you have 30 days from the date this statement was mailed to you to avoid paying the tee or to have such fee credited to you if you cancel your accent. During this period, you may continue to use your account without having to pay the membership fee. To cancel your accent, you must notify a by calling our Customer Relations Department and pay ur'New Balarae' in full (excluding the in Xp fee) prior to the end of the thirty-day period. 6. If You Choser Your Aaeourd. You can request to dose Zaccount by calling our Customer Relatiaa rtmam. You must destroy your credit card(s) and account access decks, caned all preauhodzed billing, and cease will your account. If you do net cancel prwiuthhodzed billing errengemems, we will consider recdp of a charge your authorization to reopen your accent. Additionally, your account will not be closed until you pay all amounts you owe us including: any named- you have authorized, finance charges, past due fees, overirnit fees, resumed payment fees, cash advance fees and any other fees assessed to your second. you are responsible for these amounts whether they appear an your accost at the lime you request to close the accent or they are incurred aubaequem to your request on you ccourn. t after y u result In harma have your account if it he. already been closed. For example, if you authorized a purchase from a merdrem and we receive the transaction from the merdarx after your amour has been closed, you acmnt wail be reopnad, the amour of the tlherge wiil be added is your accent, and you will be responsible for paymont. If [hate is a membership toe for your account, the fee will continue, to be chortled, to the extot pemimod by law, uhdl the uxxxar betas. has been raid in full as deflred above. 7. =Your Aesour }.Your card or account cannot be eyed In connection with any intemet gambling transactions. 6. Notice About Electronlo Check Conversion. When you provide a lack as paymar, you auhodze u elder to n®e nfortnation flan your deck to make a one-time electronic fund transfer from your bank accost or to process the payment as a deck transaction. When we use, Informetlm from your deck to make an electronic hind transfer, ftnda rosy be Witihdrevm from your bait accent as son as the same day we receive you pay-, and you will not receive your clack beck Fran your frandal institution. BILLING RIGHTS SUMMARY (In Case Of End. Or Guesdas Abort Your Bill) If you think you bill Is wrong, or If you need more Indentation, on a IF-13-tiOn or bill, write to us an a separate sheet as soan as possible at the address for rquiriee she- on the }rant of this statement. We must hear iron you no later than 00 days after we ant you the first bill on which the error OF problem appeared. You can call Our Custaner Relations amber, but doing al) viil not preserve your dgrta. M you letter, diva us the Mlavarp nfomation: your name and eccouui number, the dollar arrant of the suspected emr, a description of the error and an explanation, it possible, of wity you believe there is an error; or if you need more information, a deecdplan of the Item yam are unsure about. You do rot have to pay any amour in question while we are Investigating it, ban you a still obllgqaered to pay the pans of your bill that are net In question. Is we Investri to yam quration, ve carnet port you delinquent IsTee any actim to colren the amount you question. ;,t Special Rule For Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card and you have tried In good iamh to correct the problem Wth the mercham, you may have the right not to pay the resmalcrg amount due on the p ny or ssMcm. yon have this protection ocy when the Furdem price was more than 550.00 and the purchase was made in your home she or within 100 miles of your mailing address. (If we own or operate the merchant, or if We mailed you the advertisement for the Prapeny or services, all purdhaswi are covered regardess of amount or location of purchase.) Reese remember to sign all ooresporxlence. t Does net apply to mnsamer non-credit card accounts t Does rot apply to business non-credit ceN accounts One 04"". Information privacy protection: we our ad service mark of Capital 1. How To Avoid A Finrsa Charge. t a. an... P.W. You will have a enirimun grace period of row 25 day. wit hour fill =-X=1 on nevv purchases, bell nce trasitio s, urdaas and new afar Uheigss If You paV Yo1u?r t?otal 'flaw Balance', in 8mddellra Wldl dlB •,?,.rrtmN Notice for payments bolow, and in time for it to be credited by your next statement tlaskhg dote. There is no grace period m cash adverhras and spatial transits . In adtfttbn, there ts ro gam period oin any tmroaetion if you do rat pay de total 'New blase.' b. AOruang Fnsaa One". Tumeactlar i which are not ettl.et to a gram period ere assessed flronc?e charge 1) from the date of the trarssction or 2) fipxrh the date the transaction is processed to your Accent or 3) from the first calendar day of the current billing period. Additionally, if you did not pay the 'Now Balance' from the previous bilging period in full, firarrm charges antirase OF accrue to your unpaid balace tall the unpaid balariCe is paid in full. This metre that you may 1 owe (Fence dangers, a- if you pay the erdre New arm indicated - the from of your staternam by the net ptatenaK closing date, but rid rot do so for the pnevkhm anon=. Unpeld Nhahco Barges am added to the apply iota segrhet of your Account. t c. Mkhkraan Finrwa purge. fbr to bTNng period that your accourr Is euixJect w a M1hraa charge, a mi* - tout RWaNCE (]dAROE of 50.60 will be Impoeed. If he [oral If marge (ran the apPlicadon of your periatc rate(s) is ,=dl 0.50, we wsg attract that annum from the $0.50 mkwnun and the diffaren- will be billed to the purchase angrier of you acoo t d. Temporary Reduafim n Firma purge. We reserve the ri(/tt w rot amen any or all (Faroe charges for any given biln0 ppa?rind 2. Avraga = Bill- Inaltdhg New Plydwasl. a. {harm charge is calculated y mutiplyirg the daily balance of with segment of your accwt (e.g., cash advance, purchase, special transfer, and spacial puadass) by the corresponding daily periodic rem(s) their has been previously disclosed to you. At the and of each day du the bill" pedod, we apply the Ball 1 dock 'of' e for segment of your arrant w the balance each theerres lm?tlsat the and ae daily afmlc lations to arrive awe add periodic flrenm cargo for each segment. We add up the reels flan each aegnenht to arrive in the tot periodic fnrrc large for your account. To get the dally balance fl) each segners of your acmnt, wa, take the beginning belree for each segment and add eerrryry raw trarsecriorievi and any dodic finance dange ralaleted an the prees days fur cat segrharc. We then "bar" shy payments or credits posted m of cat day that we Nbmted to that segnerst. This gvwi u the separate daily balance fl) emit segnat of your aicxam. However, if you ppaeid the New Balarhce alhown on your prevles satenent in aM (or if your new balahm was zero or a credit amour), new tra so.Yion which post to your pttdam or special purchase eegetees are rot added to the daily balances. We calculaw the average dally balonm by ad Ina all the daily balareea tOgatfer and dividirhg the sun by the ember of the days in the parent billing cycle. To calculate your total firanm large, multiply yorr average delay balance by do dallype niodic reta and by the number of =the the bit Pon Ra to rourhdirng on e daily basis, tihete may be e slight variance between tfss actladon and the amount of flrenm one ecnaaay easwiaed.fa b. 11the cads 2 o N appeal an t from of this statement set w 'Balance Rate Applied To; we multiply the Yryafanl Nva Paymeds you mall to us will be credited to your amount as of the business day we receive It, Provided (1) you $ad the bottom portion of this statement and your cock n he a domed remittance envelope and (2) your payment Is received In our proc..ng caner by 3 p.m. Er (12 naa P). Please allow at least live (5) business days for postal delivery. paymads received by ua at any other location or in any minor form may not ba credited as of the day we WOlW them. Our busksw days are it rdeV tltoutyt Saturday, excluding holidays. Rwiss do not use itaPlas paper etc. ythath preparing yarn Pa When you send us a dock(.), you auMaize ue to make a aho-time electranic tranefa debit iron your bank acooun tar the arnerrt o the cMck TNa authpization applies to all dhscW reoaved during the billing cycle even if mm by aamoone dm. If we amot Process the transfer, you authorize us; to make a charge agaireat your bank wouturnt using the check, a paper draft or other ham. 501 Important Reminder: CapiialGw wives In your wallet?- your account balance exceeded your credit limit. You have been charged an overlimit fee of $29.00 on 12/17/2004. To avoid additional fees, please pay the "minimum amount due" as shown on your statement. - If you have online access, log on to your account and pay now at www.capitalone.com. Or, you may mail your payment with the remittance coupon at the bottom of this statement. 501-0109 Page 2 of 2 Dear PETER ISCARIOT, We have made it easy Your Capital One' account balance exceeded your credit limit. As a result, your account has been charged an overlimit fee of $29.00 on to make a payment 12/17/2004. Capital One recognizes that emergencies and today: unexpected circumstances may cause you to exceed your credit limit; however, it is very important to bring your account back under your established credit limit as soon as possible. ••• • Mail Please pay the "minimum amount due" as shown on your statement to Send in the remittance avoid additional fees. If you have online access, you can make a payment coupon with your payment by logging on to your account at www.capitalone.com. Or, you may mail your payment with the remittance coupon at the bottom of your statement. If you have any questions regarding your account, please •••;: Online call us at 1-800-955-7070. If you have online access, If you have already made a payment, please accept our thanks and log on to your account at disregard this letter. We look forward to our continued financial www.capitalone.com relationship. Thank you for choosing Capital One. Sincerely, Capital One Services, Inc. Stay rinancially r it. To avoid additional overlimit fees, it's important to keep your Please make your Capital One credit card account within your established credit payment today. limit. Please pay at least the "minimum amount due" as shown on your credit card statement right away. The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose. 0 2004 Capital One Services, Inc. Capiral One is a federally registered service mark. All rights reserved. 02 b r o? ?o o? Financial difficulties? Cap"G' We can help! w haft in your md1ilt2e • Good credit can be important for getting an apartment, a cell phone or even a job. • To avoid risk to your credit rating, call 1-800-955-66oo to use our free Check Your account is over by Phone service. 3o days past due. • 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 debt. Any Information obtained will be used for that purpose. 041-0404 ® 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. Account S Previous Balance $3,205.84 Payments, Credits and Adjustments $.00 Transactions $64.00 Finance Charges $53.44 New Balance $3,323.28 Minimum Amount Due $323.28 Payment Due Date March 07, 2005 Total Credit Line $3,000 Total Available Credit $.00 Credit Line for Cash $1,500 Available Credit for Cash $.00 At your service To call Cnstomer Relations or to report a lost -Wen nrd: 1-800-903-3637 Send Payments to: Send inquiua to: Attn: Remittance Processing Capital One S-- Capital One Services P.O. Box 85147 P.O. Box $5015 Richmond, VA 23276 Richmond, VA 23285-5015 PLATINUM VISA ACCOUNT 4862-3622-0275-2625 JAN 08 - FEB 07, 2005 Page 1 of 1 Payments, Credits and Adjustments Transactions 08 JAN OVERLIMIT FEE 07 FEB PAST DUE FEE "lmportant Notice" In order for us to provide you with the most appropriate servicing options, account terms and products, we need to collect additional account information from you. PLEASE CALL US at 1-888-440-5148 and allow us to prompt you through a few simple questions. We need to hear from you by May 15, 2005, and thank you for choosing Capital One. (If you've already taken this questionnaire, there's no need to call again.) "Important Notice" Since your account was past due, your Annual Percentage Rates (A P.Rs) have been increased as previously disclosed. All other terms and conditions remain in full force and effect Please be advised that under the terms of your account, your A.P.Rs are subject to additional increases if you fail to keep your account in good standing. Want to reduce your A.P.R? Uwe receive your minimum monthly payment on time for the next six consecutive billing periods, this account will be reviewed for a possible A.P.R. decrease. You wcre assessed a past due fee of $35.00 on 02/07/2005 because your minimum payment was not received by the due date of 02/07!2005. To avoid this fee in the future, we recommend that you allow at least 7 business days for you payment to reach Capital One. $29.00 35.00 Finance Charges Pleare see reverie ride for important information Bad rate Period" Correspmdmg ME M ? PURCHASES $3,167.98 .05271%P 19.2A96 (51.77 CASH $92.63 A581996 P 21-M $1.67 ANNUAL PERCENTAGE RATE applied this period 19.30% PLEASE RETURN PORTION BELOW WITH PAYMENT Q? 0000000 0 4862362202752625 07 3323280083000323280 New Balance $3,323.28 Minimum Amount Due $32328 Payment Due Date March 07, 2005 Total enclosed E Account Number: 4862-3622-0275-2625 N-eprimt-nhngad rsr-V e-mail hanger belom salnrR orb! kink Sere Apt Y City S- ZIP Home Pf»ne Alta Phone #9003956580575513# MAIL ID NUMBER Capital One Bank PETER ISCARIOT r- 4173 GROUSE CT P.O. Box 85147 1111111141111111111111 Richmond, VA 23276 MECHANICSBURG PA 17050-9116 hrltLtllrrrLllrrrLllr?lltrrllrrJl,trtrrllJtrllrrrllrJll ? Irrrlllrrr111rrtt1,1,IlrrlhltrtrJlrtrlLllrrlrLtlrLrrrLll Me- unite your auaunt number an your check or money miler made payable to Capital One B=i and mail in the enedwed envelope. r tai. trap Period. Vou will =mirimun grace podod of 25 day- without finrnra large an new, purchases, new balance transfers, new special purchases arid new other charges if you pay your total 'New Balancer', in accordance with the Important Notice for payments below, and in time for it m W credited by your nett statement dewing data. Them I. no grace period on cash ad-- and spedal trasfem. In addition, them is no g Z parbd ba arty trarsacden if you do nor pay the mtel 'Now halo a.' b. Aaenbng Finance, Charge. Transactions vdich am not %Meet to a gram period am assessed finance largo 1) from the date of the transaction or 2) from the date the transaction is processed to your Accourit or 3) from the firm calendar day of the rgirh? paced. Addt=IV, if yob dd not pay the N=W ce the "Ass billing period in full, finance herpes continue to arm to your uhpatd balance tall the unpaid balance is paid in full. This meal that you may ria owe fimrea charges, oven if you pay the entire New Balance indicated an the from of your atatenet by to rett aattartet doSinp date, but 6d rot do ae for the prevloue month. (unpaid M=7m roiled to the applicable segment of yon c. k4nknan Flames Charge. For each billing pedod that your account is subject to a finance charge, a mbNrrcm total FINANCE CHARGE of $0.50 ws be Imposed. If the total finance large mrltlnp from the icetlon of your periodic com(a) is leas than 60, we wW subtract that amount from the $0.50 minimum and to difrerohm will be billed to the purchase of yar acceuht. t d. Tahporry Radtotion iI&M fChrW. We reserve the lilt to rpm asaess any or all finance charges for any givah Niarhp pe ord. 2. Ayraga Dopy Balance (Inaiuding Now Puahasaat. a. flnsree charge is ceWArned y multiplying the daily bdance of eadh negnem of your accent (e.g., cash advance, purchase, transfer, and apadai bases) by previously corresponding you. periodic At the dam(s) end m(s) of tat each has o s s been tees bi disclosed to daily ily oddled you. he to y ae? tie bling period, we apply the d padodc eta for each =A=at our m td% be of each ifs and of to birrhp period, we add Lip the results of theree dally rala/etoner to amys at your Periodic finance things for :NP aegnet. We add ep the halts from each segment at the teal periods finance charge for your amount. To gat the daily balance for each regnant of your amount, we take the bepYrhitnp bSiance for each segnort end add eerrryry new trarsacdere end any peodic franhce charge ralalmod on to previas pays balance fur tat ssgrhan ss o.f We tan otlkm"a am payments in, segment- crania T posted given ue the tst day segue r of separate daily ly da balance to t that alance far each xgnot year arrant. He if you Id he d- an your previous & statement In (a New your ne rt if yo n new w balance was ram or or a a cr teel[ amour-), rew trossctio ns which post to yar putlass or apedai purchase, segments am rue adJb to the oily bdancos. We caia/am the evamps daily belanm by aby dding all the oily balances togother aced d'ividrg eta sun the number of the days in the current cling cycle. To calculate your total finance barge, multiply your average dally balance by the patty periodic me and by the ember f, days in the billing period. Due to randng on a oily beSia, there may he a slight valance between this cWuAadm and the amount of fin.- large stoney sssessed. b. 11 the cote Z or N appear on the front of Wa statement mum to 'Balance Rate Applied To,' we multiply tho rflodic rate. To obtain the average daily balance for the billing Pedal revered by this statement, we take the hegimng balance of each segment each day, add any new transactions to each segment, and subtract any payments or credits. (If the code N appears an the from of this statement mxt to'Beft"' Rate Applietl To,' we also subtract any unpaid finance charge induced. in the balance of each segment.) TNe gives Us the dairy balance of each segment. Than, we add up all the daily balances for each segment for the billing period and dvide by the total number of days in the billing pedod. This ghes us the average dally balance of each segment. 3. Annual Proam[pa Rata (APRI. a. The term 'Annual Percentage Rate' may appear as 'APR' on the front of the statement. b. If the code P (Prime), L 43-mo. LIBOR), C (Certificate of Deposit), or S (lankcad Prime) appear m the from of this statement min to the periodic ime(a), the periodic rates and cormapandng ANNUAL PERCENTAGE RATES may vary qusrtedy and may increass or decrease based the steed indices, as food I. D. WaB Street Jaaeal, plus the margin y etiotsly disclosed to you. These tl.2m will be effective an the first day of your billing period mwmd by you periodic matenom erring In the months January, April, Jul and October. c. If the code D (Pdme), F (1-mo. LIBOR) or G (3-mo. LIBOR Rapdeed Monthly) appaam an the team of your statement next to the pemadc rate(s), the Pezi, rates and corresponding ANNUAL PERCENTAGE RAT12S may vary monthly and may i--se or decrease based on the stated indcea, as found in The Wall Street Jownal, plus the margin previously disclosed to you. These changes will be effective m the first day of your billing period each month. 4. Assessma t of Late, Ovrinit and RabnhaA Payment Facts. your accent will be assessed m mom than two of the fees listed hem that occur during any billing period. Under the terms of your customer agreemem, we reserve the right to walve or net to assess any face without prior notification to you without waiving our right to assess the same or Similar fees t a later time. 6. pa the sad of t. If . membership fee appears an an the iron of the autement, you have 30 days from fie date this st statement was mailed to you to avoid payirhp the ire or to have such ice credited to you if you cancel your account. During Chia period, you may mto use your r account without im Unt, Y to pay the tify fee. To mend your account, you must membership tify us no ue by "eMling New Customer ' if Relators Depamnent and payyo urNew Balance' in fill (ezdutdirq the membership fee) prior to the end of the thirty-day period. e. If Yea Class You Aeaonl. You can request to does yy'ouramount by celling our Customer Relatau UBpenmem. You must destroy your credit carols) and accent access decks, camel all preauhodzed billing, and cease uairhQ your accent. If you do not cancel premnliodzed by arrangements, we will consider eceipt of a charge your authorization to reopen your account. Additionally, your accent will not be closed until you pay all amounts you two us including: any trarnaadions you have sudhorized, finnnce charges, past due fees, overlimit face, returned payment fees, cash advance fees and any other fees assessed to your account. You are responsible for these amounts whether they appear on your account at the time you request to close the account or they are Incurred subsequent to your request to dose the account. TNa may result In changes appearing on your account after you have your account if it has already been dosed. Far example, if you authorized a purchase from a merhom and we mcoiw to transaction from the merehsm after your arrant has been timed, your "a"t wNI be mopered, the amoim of the charge will be added to Your amount, and you will be responsible for paymen. If there is a membership foe for your amount, the fee will continue to be carped, m the m¢ox poenitted by law, until to arrant balance lea bean paid In fill mi defirod above. 7. Using You Aaoou t.Vour card or acceuit cannot be used M connection with any Internet gambling 8. Motors Abet Elaatrarlo Clhask Oonvar:kn. Wfvn you provide a deck as payment, you ataterize us either to tae infomhaten from your deck to make a one-time electronic fund transfer from your bank accent or to process the payment as a deck transaction. When we use information from your deck to make an electronic fund transfer, fads may be withdrawn from your bad[ account as seen as the same day we receive your payment, end you will not receive you heck back from your fasnciei institution. BILLING RIGHTS SUMMARY (In Case Of Enom Or Questions Abaft Your BI10 If you think your NII is wrong, or if you reed mare informatics m a transaction or bill, write to is on a eeparate sheet as soon as possible at the address for inquiries shawn on to front of this statement. We must hear from you m later than 00 days after we sent you the firm till an wtich the error or problem appeared. You can call our Customer Relations number, but doing act will not Preserve your darts. M your letter, give us the following mfamatan: your more and account number, the dollar amain of the suspected error, a description of the error and an ehplamtim, if possible, of vlry you believe there is an error; or If you mod more Informat en, a description of the hem you are unsa a about. You do not have to pay any amount In question while we are I e mey'etlgatrg it, doyou r "If obBget?d to pay the parts of cur NII that am rot in question. WHIs we Inveatimto your question, mot report you as delinquent take any action to tolled the emom you Winton. i,t Special Rule For Credit Card Purchases If you have a problem with to quality of property or se - that you purd1T which a credit card and you have tried In good faith to cortect to problem with the merdum, you may hove the right not to pay the remaining amount due an the cry or seMces. You have the protectlen only when the purchase price was mom than 950.00 and the purtlass was made in Your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed You The advettisement for the pr y or "Aces, all purchases are covered regerdess of amoun or location of purchase.) Please remember to sign all correspondence. t Do. rot apply to consumer -art card accounts i Does not apply to business roe-csodft coot occounts One atpports information privacy protection: see our at www.caapptalom.con. One is a faorally rep'atered service mark of Capital andal Conpoutim. All rights reserved. 0 2003 One 01LOLBAK 8 O ? O o5 0 m,6 m O ahN Inrprirt fbton Payments you mail to W will be oedted to your aocant as of the btrairsss day vra receive it, proNtletl (1) you send the banan portbn o Wa cutonent and your pack in the endured renlttance envelope anti (2) your payment Is racelved In our roceaskhg carter by 3 p.m. Er 02 noon PT). Pease allow at least 11- (5) inuaiasa days torn posul ogvery. Payments received by us at any , locatiah or in any otlsr form may chin be credited as of to day we receive them. Our Euaihep eye am Mahday tlhroutglh Saturday, exdtdrq hokoya. Please de th=.=- , ps etc. v/en preparirq your pa ant. When you send ue a deck(s), you aaderiza tr to make some-ome electraac trarsfar debit iron your bank arrann for of tot clack TNa authorizaten applies to all decks reoevtd tiring the dlBnp cycle even if wed by sooeoe else. If we cannot process the transfer, you authorize us to make a large against your bank acco rue Laing the deck, a paper draft or other hon. • Now with FREE Accelerator • for the first 12 months'-a $60 value 197 aF ET a month for first 3 months; $9.95/mo, thereafter SIGN UP TODAYI ' 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplopc.com/go/emerald Capita. Account S Previous Balance $3,323.28 Payments, Credits and Adjustments 5.00 Transactions $35.00 Finance Charges $67.55 New Balance $3,425.83 Minimum Amount Due $425.83 Payment Due Date April 07, 2005 Total Credit Line $3,000 Total Available Credit $.00 Credit Line for Cash $1,500 Available Credit for Cash $.00 At your service To all Customs Relations or to report a lost or stolen cord: 1-800-903-3637 Send Puymwu to: Send inquiries to: Attn: Remir tern Processing Capital One Bank Capital one Seri- P.O. Box 790116 P.O. Box $5015 St. Louis, MO 63179-0216 Richmond, VA 23285-5015 Important Account Information Please review the important information enclosed with your statement and keep a copy for your records. PLATINUM VISA ACCOUNT 4862-3622-0275-2625 003 peoplepu online u A better 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 Symante - ® Pop-Up BlockerTM Spam Controls aw Smarter Smart Dialer Technology ® More Email Addresses - - Internet Call Waiting FEB 08 - MAR 07, 2005 Page 1 of 1 Payments, Credits and Adjustments Transactions 1 07 MAR PAST DUE FEE $35.00 -Important Notice" In order for us to provide you with the most appropriate servicing options, account tams and products, we need to collect additional account information from you. PLEASE CALL US at 1-888-440-5148 and allow us to prompt you through a few simple questions. We need to hew from you by May 15, 2005, and thank you for choosing Capital One. (If you've already taken this questionnaire, there's no need to call again.) Want to reduce your A.P.R? If we receive your minimum monthly payment on time for the next six consecutive billing periods, this account will be reviewed for a possible A.P.R. decrease. -Important Notice- Since your account was past due your Annual Percentage Rates (A.P.Rs) have been increased as previously disclosed. All other terms and conditions remain in full force and effect. You were assessed a past due fee of $35.00 on 03/07/2005 because your minimum payment was not received by the due date of 03/07/2005. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. F'mance Charges Please see reverse ride for important information f Bdaaarate Periods .i ifP.1 Cormsyoaclue g applvdto g ?> PURCHASES $3,261.32 .07189%P 26.24% $65.65 CASH $94.41 .07189%P 26.24% $1.90 ANNUAL PERCENTAGE RATE applied this period 26.24% V PLEASE RETURN PORTION BELOW WITH PAYMENT V 0000000 0 4862362202752625 07 3425830083000425838 New Balance $3,425.83 Minimum Amount Due $425.83 Payment Due Date April 07, 2005 Total enclosed $ Account Number. 4862-3622-0275-2625 Capital One Bank P.O. Box 790216 St. Louis, MO 63179-0216 Please unite yore aemunt number on yore P/easepristmdliegaddrnanda-ifd-trrbel asingbiu -bl.4;i h Street APL i Gey Snte ZIP Home Ph- Aloe-t,Ph- 0 Email Address #9006756580575514# MAIL ID NUMBER PETER ISCARIOT ti 4173 GROUSE CT MECHANICSBURG PA 17050-9116 check or money order made payable to Capital One Bank and mail in the enclosed envelope. r peoplepcra online PETER W-PfRIOTA better way to Internet. 4173 GROUSE CT UVE5 4 K9 fit Pm D INTERNET ACCESS SIGN UP TODAYI 1-888-587-9669 Mention Offer Code: EMERALD Or visit www.peoplepc.com/go/emerald PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks mentioned herein am solely owned by the respectiva entity. All rights reserved. By responding to this oli you may be communicating information about yourself to the company that provides this product - for example, that you are a Capital One customer. 'PeoplePC Online: First 3 months are billed at $4.97 per month; $9.95 per month thereafter. Offer available to new Bali subscribers at least 18 years of age and may not be redeemed with any other offer. Offer subject to change at any brae. Phone technical support available for $1.95 per minute. tAccelerstor is tree for 12 months. Offer good for limited time. Attar the first 12 months, the Acceerated service will a tornaticaly revert to the stytdand PaoplePC Online service. Offer subject to change at anytime. With PeoplePC Online Accelerated, certain Web page text and graphics will bad faster when compared to standard dial-up Internet service. Actual results may vary. PaoplePC Online Accelerated is only compatible with Peo{sePC Online Internet service and specified Windows® browsers. Peopli-PC Online Accelerated is riot compatible with Windoas0 95 with t 5.5 SP2. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Tekptons toll charges may apply, even during trial periods. You are responsible for determining 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-up numbers may be changed at PeoplePC's discretion. Continuous use subject to traced procedures. All use is subject to PeoplePC China's . Services Agreement and Acceptable Use Policy. 56K is file maximum speed of service; actual speed may vary ® 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and Its logos are trademarks of PeoplePC in the U.S. and other countries. ® 2005 Capital One Services, Inc. Captal One is a federally registered service mark All rights reserved. -if you wish to use a diflerant aadt card, to ask questions or to cereel ical 11-000-927-9371. Your Think-Ycu is ninety days of you salactlans hare. AfW your free period, your saNctiaw oil continue at to price indicated for a total of fifteen months. Doing your ce pored. you will twelve a reminder notice. If you do not cal to cereal your account will be dryad mety, days from when you make your selectors. Thereafter you will receive an areal nuke and your w6clias will confirm at tle rate on the ndkv for to text year of ksues. Marv four to tan weeks fen delivery. If a title becomes unavailable, It will be tepleced with one of equal or greater value. Cal to cahcal anytime for a refund for urserved ksu s . Vakd credit card required. 02005 NowSub Magezire Services LLC, Four filth Ridge Park, Stamford, CT 06905 is the vondcr and reserves the right be ink orders. 2005 Capital One Sarvicas, Inc. Capital One is a federally registered service mark. AN rights reserved. Any trademarks mandored herein we solely eanad by the respective entity. NawSSrb Magazine Sources LLC is solely responsible for the offer end is not efNimad with Capitol One. Capital Ore doe not provide, endorse or guarantee and is not affil with arty product or service shown hero. By responding to this offal, you may be communica" Information about yourself to to company that provides link product-for exampb, that you are a Copihtl One customer. 8 CE: O 8? 1. Flow T. Avoid A Fahanoe;Lrga. pe iode rate. To obtain the average daily balance for the your account if it has already been dosed. For example, tar. @eae Period. You will have a mirinmusn grace period of hiking Period covered by this statement, we take the if you authorized a purchase from a merchant and we 25 days without finarre charge on new Purchases, new beprrwg balance of each segment each day, add any new moms. the tro eaaion from the mmeharn after Your batarce transfers, taw special purchases and raw other transctoms to each segment, and subtract any payments accent has been dosed, your accent will be reopened, charges if you pay your total -New Batarne-, in or credits. (if the code N appears en the from of this the amount of the charge will be added to your account, accerdseo with the Important Netice for Payments below, statement next to -Balance Rate Applied To; we else "Z= will be responsible for payment. If them is a and in time for it to be cracked by your nett statement attract any unpaid finance charge included in the balance mship fee for your account, the fee will caninve dosing date. Them is m gace penal on, cash advances of each segment) This gives us the daily balance of each he be charged, to the extax pem i by kw, ual tie and special transfers. In addition, tam is ne grace period segment. The we add up all the daily balances for each rcoor' baleruo hear been paid In, fuA as doRrcd aboyo. on any tmreer,Uon If you do not ploy der [ofd -New and dyide by the teal augment ion the billing period 7. Uaing Yv r Aaaeurt.your card or account cocoa be balahm.- g rusnber of days in the blltr pedod. This gives us the used in oaneelon with any kntemot gambling b. Aorulrg Fburroa Change. Transactions wfikdh are rat r ge daily Instance of each segment. transecmiors. subject to a grace period are assessed finance charge 1) 3. Armand prordgs Rates (Aloft 8. Notice About EFeasWo C hook Lbrnvamden. When you from this date of the transwim or 2) from the data the a. The term 'Annual Percentage Rate- may appear as =c1e a check as payment, you auhi us, tither to tr.lion is processed to Your Accent or 3) frern the APR' on to from of this transitive. use nformadon from your deck to make a onae t n a firm calendar day of the armor billing period. Additionally, b. If the code P (Prime), L (3-trio, LIBOR), C (Certificate of electronic fund tralrMa from you bank accart or to if you rid rot pay to -New Balance- from the previous Deposi0, or S (Bankcard Prime) appears on the from of process the ppaayment as a deck transaction. When we bikig period in full, finance charges camnue to accrue to this statement next to the periodic rate(s), the periodc use intortnetlm flan your deck to make an electronic yout unpaid Dda toe until the unpaid balance is paid in full. rates and corresponding ANNUAL PERCENTAGE RATES fund transfer, fade may be withdrawn from your bark This means that you may act owe fiance: charges, even if may vary quarterly and may tncrease or decrease based accent as soon as the mama day we receive your i d k b k f you pay the "are New Bal=m ndcated m the from of youu statement by the next nscir dosing date, but rid the mated indices, as food in The Wall Street Jaunel, plum the margin previady disclosed to you. t fi d f ff i Par , and you wtl not ri:Ge yo your oc ec rom Your -.I iatiru[ton. not do so for the previous month. Unpaid Mace chi ' f A x dri d th bl kf ve en he lm ay o your These changes will be e ect eriodic statement endin bikin eriod covered b our BILLING RIGHTS SUMMARY e sego" yar ceou . e to i o e apppp t c. MNnun FYunoe Chrge. For each bkkng period that g g p y y p In the months January, April, July and October. 3 F 1 LIBOR G (In Case Of Errors Or Questions About Your BIID hill i eed mom If thi k If your ac ourtt is abject to a flu- charge, a mkimun teal FINANCE CHARGE of $0.50 will to imposed. If the ) or -mo. c. It the code D (Prime), ire. ( ( LIBOR Repriced Monthly) appeau on the tram of your i di d h your s wrong, or you r you n information m a trarnaaim or bill, write to us urn a ibl t th dd f h teal fl- large maidrg firs the apdiratlm of your periodic min(a) k ksa tan 80.50, err will abtrect tlat e per o c rates statement next to the pedo c M t and comespondng ANNUAL PERCENTAGE RATES may eet as soon as poss e a e a ress or separate s includes shown m to front of this statement. We must amour' from the 80.50 mrirmun and the dffem"ee well to vary monthly and may increase or decrease based on the hear flan you ne later than 60 days after we son you the biked to the purchase "' of your -couni stated indices, as found n The Wall Street Joootal, plus first bill orvMch the error or problem appeared. You can td. Temporary Reduction n r.- Charge. We reserve to the margin previously dadoeed to you. These changes call as Customer Rdatima number, but doing so will rat ?rI?d1?L to rot esease any or all finance darpea for any given will be effective en the first day of your billing pedal preserve your rights. In your letter, give us the following brllrnhg pednd each march. information: your fame and account number, the dollar 2. Average Daly Balnoe Ilnakaliro New Pietro:). 4-. Asaeaanrre M Late, Ovnimk and Rabared Payment Fees. amount of the suspected error, a description of to enter a. FMic charge I. calalatetl y mulriplyfrg the daily Your accoua' will be assessed ns more than twe of the fees and an explanation, if possible, of why you Ddieve [here is balance of eat segment of your accent (e.g., rash listed here the' occur dung any billing period. Under the an eFmr; or it you need more infortnet on, a descriptlm of advance, purchase, special transfer, and special purdase) terms of your custaner agreement, we reserve the right to the hem you are unsure about. You do not haw: to pay any by tfa coneapadrhg daily periodic rated tat has been witive or not to aaess any fees without prior nstlfication to amount In queMlen while we are Invvstigetnng it, but you previaraly daiosed to you. At the end of each day during r M without waiving our right to assess the same or similar l il re still obligetied to pay the Parts of your bill that am not i ti t I WNI t ti i l is ram for each the billing period, we apply the daily pe segment of your account to to daily balance of each fees t e ater me. 6.tRrhwvhhg Yar Account. If a membership fee nves ga e your ques on, we carso n quest on. . we report you as delinquent or take any action to edict the segment. Then at the end of the bilag period, we add up appears on the front of this statement, you have 30 amount you question. the rests of tease daily calc latios, to arrive M your days from the date this statement was mailed to you to periodic fire nce large for each mgner'. We add up the avoid paying the fall or to have such tee credited to you l,t Special Rule For Credit Card Purchases results flan each segment to arrive at the total periodic if you cancel your account. During The period, you may finarcee charge for your accent. To got to daily balance continua to use Your account without having to pay the If you have a Problem with the quality of property or for each eepment of you accent, vre take the begirnirg membership fee. To cancel your accent, you must services that you purchased vMh a credit card and you an new, transactions bolarca for each segmeret and add notify us by calling our Customer Relations Department ' ' have tried in good tahh to correct the problem with the linarea t e then attack anravias 'sand nbalance for that se naht da Now Balance in full (excludi and bership fee) prior to the end of the hiny-dahy period ant, you the mer w night mon this ? a y loi? e p g . y paymaus or credta posted re of tat coy that am akocated . & N you Close You Aaaoaki you can request to close seMces V r h ave tJa ount d on th rop e am vdnan the urcJaae I was more than rat" ion ON to that segment. This gives us to separate daily balance f t f ' H a If ou aid the c your accent by calling our Customer Relations nmem You must destro our credit card(s) and p p y 850.00 and tte purdasepwas made in your home Mate a h aegnen your accaa . ovsv , y or ea o p New Bill- shown m You pmvias satement Ii I (or y y . acoant access decks, cancel all preauthorl billing, within 100 mites of your making address. (If we own or operate the merchant, or if we mailed you the = It your raw balamoe wee zero ors credit amen)w and cease usirre your account. If you do not caned advertisement for the property or services, all purchases t_ which pot to Your purchase or special preauhorizod billing arrangements, we will consider arc covered regardless of amont or location of purchase.) purchase -0, am net added to the daily balaaos. We calalham the average daily haknce by addrg all the daily mi of a charge your auhorization to reopen your accent. Additionally, your account will not be dosed pease remanber to sign all conespcindence. he's. together and dividing the sin by the number of until you pay all amounts you owe us inetudirg: any Does not apply to co- ran-crodit card accounts t the days in the current biilag cycle. To calculate Your tad flrane. charge, multiply your average daily balance by the trareaaims You have authorized, finarae cbarges, pam d fees, overiimit fees, returned payment tees, cash i Does rot apply to business non-credit card accounts dady periodic rate and by the hu nber of days in the billing pedouf. Due to rounding m a daky basis, there may boa slight variance between this calc laton and the amount of advance fees and any other fees assessed to your account. You are responsible for there amounts wihMher they appear on your accent at the time you request to One supports information privacy promotion: see our Capital . P I'M or,?, actually assessed. close the accent or they are incurred subsequent to vvebsrte at .captalae.com. Capital Onarms federally Bganed serNce mark of Capital z b. If the code Z or N appear m to tram of this natemem red to -Balance Ram Appled To,- war multiply the avemce call balance of each sement by your -Nv your request to dose the account. This may salt in charges appearing m your acdcount after you have ne tuemed the ace unt 1. be osed or the reopeoino of m Fnanc e] Corporation. All rights reserved. n 2003 Capital One Ol LGLBA.K npartant Notion: Payments you mail to us will be credited to your accent as of the business day vwe receive h, provided (1) you send the human portion of this Matement aM your deck n Uhe endured ramittarnce envelope and (2) your Payment Is received n our processing center by 3 p.m. 1 (12 noon I Please allow at least five (5) buskr_ days for 4 delivery. Payments recall by us at any other location or in any other tam may not bar credited as of ultra dayy we receive than. Our business; days am Macey txougln Saturday, axckhdrg hetdays. Please uric ii o suples, paper dlpa Mc.==F iyyoouur payment. When you send us a deck(a), you autedze us to make a erne-time electronic transfer Mort from your bank accrw' tar to amen[ of rile deck This applras to all checks momyed during the bktrg cycle even if will by saneae rise. If we carrot process the transfer, you authorize us to make a charge against your bank account ueing the check, a paper draft or ouch item. Important Notice: ACCOUNT STATUS FOR: Your account is still suspended and PETER ISCARIOT your credit is at risk. We want to help. To see what you can do to restore your OVER 9 DAY" " PAST ?DUE charging privileges, take action now: • Call us at 1-800-955-66oo for a payment solution that fits your needs. CALL FOR • Use our free Check by Phone service by calling the number above. HELP • If you have online account access, log onto your account and pay now at www.capitatone.com. • If you prefer, simply use the payment coupon below. Cap11al0ne* wheAI$ bs,•ar w.xstr 043 The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose. O 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 043-0434 PLATINUM VISA ACCOUNT 4862-3622-0275-2625 Account Summary Payments, Credits and Adjustments MAR 08 - APR 07, 2005 Page 1 of 1 Previous Balance $3,425.83 Payments, Credits and Adjustments $.00 Transactions Transactions $35.00 Finance Charges $78,66 1 07 APR PAST DUE FEE $35.00 New Balance $3,539.49 "Important Notice * In order for us to provide you with the most appropriate servicing options, Minimum Amount Due $539.49 account terms and products, we need to collect additional account information from you. PLEASE Payment Due Date May 07, 2005 CALL US at 1-888-440-5148 and allow us to prompt you through a few simple questions. Thank you for choosing Capital One. Total Credit Line $3,000 Total Available Credit $.00 You were assessed a past due fee of $35.00 on 04/07/2005 because your minimum payment was not Credit Line for Cash $1,500 received by the due date of 04/0712005. To avoid this fee 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 To call Customer Re atiom or to report a last or stolen card: 1-800-903-3637 Send Payments to: Send inquiries to: Attn: Remittance Promsing Capital One Bank Capital One Services P.O. Box 790116 P.O. B. 85015 St. Louis, MO 63179-0216 Rich-d, VA 23285-5015 Finance Charges Pkxe rK reveriesi*for important inomnation Rd -we Periadir Cmrespnndasg ??AN CE ppliedfo rah AAPPR AI? GE m 'O PURCHASES $3,367.28 .07326%P 26.74% $76.47 CASH 1196.45 .07326%P 26.74% $1.19 ANNUAL PERCENTAGE RATE applied this period 26.74% PLEASE RETURN PORTION BELOW WITH PAYMENT CAW 0000000 0 4862362202752625 07 3539490083000539490 New Balance $3,539.49 Minimum Amount Due $539.49 Payment Due Date May 07, 2005 Total enclosed $ Account Namber: 4862-3622-0275-2625 Capital One Bank P.O. Box 790216 islulutliniriiutii St. Louis, MO 63179-0216 ?tllnn?iuniiisniiriuiiuusirinriiriinuri?siiuiuir Pleare unite your account number on yon. FY-epri,st maif?ngaddrn and/ r-car 1rAmgrs bef unxdb/w-41l kink- Seeet Apt e aq Scam ZIP Home Phone Altnnate Phone #9009856580575519# MAIL ID NUMBER PETER ISCARIOT m 4173 GROUSE CT MECHANICSBURG PA 17050-9116 ° •? intiiiruiiitutiririiarlriaurliaturnniiinirinuirii check m money order made payable to Capital One Bank and moil in the enelared envelope. r 8 O ,MI =NI O mil 1. How TO A-W A Fnawa Charya. pedole rate. To obtain the average daily balance for the your secant if it has already been dosed. For example, to. lisoa Period. You will lave a minimum grace period of billing Period ooyered by this statement, we take the if you authorized a purchase fon a merciam and we 25 days wltiour Naa on. ge m new, ppurchases, new beginwg balance of each segment each day, add any new rewire the transaction from the merchant after your balance transfer, now special puret- and newt other tranesetims to each segment, and subtract any payments account has been dosed, your accent AN be reopened, claugos if you pay your tumal 'New Balarnhx', in or credits. of the code N appear on the From of this the amount of the large will be added to your accent, axortlahce with the knportam Notice for peytnents blow, ad in rime for h to he credited by your men staement statement next to "Role- Rate Applied To,' we also subtract any unpaid Ararce charge included in the b anee and you will be respoaibde for payment. If there is a membership fee for your amount, the fm will continue dosing date. There I. ne grace period on rash advmhces of each segment.) This gives us the daily balance of each to be charged, to the anent pemt. ad by law, until the and special trarafom. In addition, them is ne grace period segment. Than, we add up all the dally balances for each accruu r balance has been pad in full as defined above. on mY transaction if you do not pay the toad 'Now segmen t fa the Wiling period and dNde by the total 7. Using Yor Aoeau rs.Your card or account cannot be balance.' r of da numbeys In the billing period. This glyes us the used h connection with any Intemat gambling b. Aoeeubhg Fghrae Charge. Transactions which am net average daily balance of each segmem. transaction. grace period am assessed finance large 1) =t 3. Annual Prortags Rtes CAPRI. 8. Nodoe Aber Elsahondo Cheek Co wordon. When you %: te of the traneactim or 2) from the date the a. The term 'Annual Percentage Rate' may appear as pmAde a check as payment. you authorize us alther to transaction is processed to your Amount or 3) from the 'APR' on the front of this aaement. use information from your check to make a are-time firat slender day of the current Wing pedod. Addidarally, b. If the code P (Prime), L (3-rno. LIBOR), C (Certificate of electronic fund transfer from your benk account or to if you rid not pay the *Now Balance from the Previous Deposit), OF S (Bankcard Prime) appear on the front of process the payment as a check transaction. When we billing period 'n full, finance charges cordmue to accrue to this statement nen to the periodic rate(s), the periodic use information ion your check to make an electronic your unpaid balance until the unpaid balance is paid in full. rates and atmespooNng ANNUAL PERCENTAGE RATES fad transfer, suds may be withdrawn for your bank This moss that you may still owe fiance c argm, even if he ere New Balance frndcated m tie from of may vary quarterly and may increase or decrease based the stated indices, as fond in The Wall Street acsum as soon as the same day we receive pyment, and you with rot receive your ack back from enment by the men autenem dosing car, bu hid Jawmal, plus the margin ppre AmWy disclosed to you. yor financial wormudon. for the pneNor month. lkpeid tkhenc?e dhayea Them cyour m the segment of yam Atz+oaht. bluing ding BI W NG RIGHTS SUMMARY t e. FFres .For each burg period that am n the months January, April, July and October. (In Case Of Emor Or Guosdoa Aban Your Bill) nt le auhJax m a lkhahce charge, a mlNnxm c. If the code D (Primed, F 11 incr. L BOR) or G 13-mo. Ii you thik yor bill is wrong, or If you reemore 40.50 wIN he knpo®d. H the ANCE CF{ARGE of rce darye rh?auntirq Ton the up Mcation of year LIBOR Repriced Monthly) Ucwm m the from of your statenhaht men to the pedodc rate(s), tfa PModres Infomutim en a transaction or MI, woe to hs en a .to sheet as soon as posai6le at the ddress for te(s) Is lase Ilan 30.50, we N subtrd tlat and coneaporhdirg ANNUAL PFACEHTAGE hA.TES may := irhquides at- on the from of this statement. We mum arrant from the $0.50 miNmum and the difference will be vary monthly and may increase or decrease based on the beer frost you ne later than 80 dayysa after, we amt you the bid to the purdase segment of yam exam. mated irdces, as found in The Well Street Joanwl, plan fiat WN m which the error o problem appeared. you ran t d. Temporary Radution la Florae Ourpa We reserve the the margin PreNauusy, ddisclosed to you. Them changes call au Customer Relaters raanber, but ddrg ao will not ddd to net assess any o all finance charges for my Pym =r- will be effective on the into day of your Wiling period pressure your rights. In your letter, give us the following bikg P eriod. each mash. information: your name and amount number, the dollar 2. Avrap==% Iknakutsg yaw Purdwaal. 4. Assessment of Lab, Ovarink and Roamed PW ent Fns. amount of the sspected error, a description of the error a. kalal. y multiplying the dally Your account will be assessed no more than two of the men and an coo nation, if Possible, ct wsw you believe them is balance of each segment of your cunt: (e.g., rash limed here that occur during any billing period. Under the an error; or If ym need more Iniohm m, a daxriptlen of adverse, purchase, apedel trarsmr, and spatial purchase) terms of your customer agreement, we reserve the right to the hem you ere unsure abort. You do not have to pay any by the cemosponhdng daily pedodic ram(a) that hen been d A h d f ch d dd i l di l alye or not to assess any free withou poor notification to i h lN h il i h i amount in gu0stbn WMhNe we are Inveatigatlng It, but you till 611 d sc ose to you. t t e en o ea ay ng prev ous y the billin eriod we a l the dail erbdc ram fo osch you w t rcl wa rg our r g t to assess t e acme or s m ar fees et a later time are s a gete to pay the pans of your WI that are rot in uestionWhile we Investi te ueatim we carcnt our g p , pp y y p aegnem of your axaam to the dally balance of each . S.tRaawbg YourAoaout. If a membership fee q ga q y , moon you as delim$reht or take any actin to ccllect the segment. Than at the end of the WNrtg period, we add up appear en the from of this statement, you have 30 amount you question. the results of these dally sladatiors to arrive a[ your days from the date the statement was mailed to you to =- change for each s0ghnam We add hp the =I avoid paying the fee or to have such fee cradled to you ;,t Special Rule For Credit Card Purchases each ailment m artWe et the total periodic , if you cancel your account. During this period, you may finance, charge for your axasm. To get the daily balance continue to use your amount wither haying to pay the If you lave a problem with the galhy of property or for eacln segment of your account, we take the beginning membership fee. To canes your account, you must scMces that you purchased with a credit std and you bdace for osch segment end add my dew trereac:m notify us by calling our Customer Relations Department ' ' have tried in good telth to coa the problem with the flrance charge ca lala[ed m and any periodic tine prevWS and pay your New Balance in feu (excluding the merchant, you may have tribe right not to pas the remalNrg days balance for the[ segnerm. We tihen ah6[rect any ors p fee) prior to the end of the thirty-day period. amount dal on the properly are seMces. You have this Pay. OF erects posted ss of that ley that are allocated t TN th t h d il b l 8. N You does Year Aosmad. You can request io dose b R l lli C i protection only when the purdax rice was more than o s glues us t a segment. e separate o y a ance fo c f H If d y ca ng our at your amount ustomer e ons 350.00 and the pure ase was ma in your home state a r ea sagne m o your accent- oweax, you pai ho Department. Vou mace destroy your credit card(s) and within 100 miles of your mailing address. (If we own or yaw Relents shown m your prevlos atatanent in fill (or amount access checks, cancel all pmawhodzed billing, a the merchant, or if we mailed you the If your new balance wee zero a a wadi[ am-), new trasactians which rdaae are your pu special poor to and cease uai your ecceunh. If you do rot cancel d bllirg arrerhgonenta, we will consider e o dvent avertisoneM for the wopeny or seMCOS, all pureness are covered regardese of amount or location of purchase.) purchase aegmnts am rot added to the daily helernces. We calculate the =rags daily bal ance by adding all the daily rec ipt f capt of a large your awMrizaliOn to ?eapm you cant. Additio ally, your amount will rat be dyed Rease remember to sign Cen es{wdence. balances together and dNdro the ann by the -mbar of until you pay all amounts you owe us including: any t (bas not apply to consumer ron-credit card accounzs the days in the ourrem Wiling cycle. To CaloJae your total leans =,=y your verage daily balance by the dail eb the number of da s in the billin transactions You have authorized, finance charges, past due rues, ovedimit fees, mumed payment fees, cash advance fees and an other fora assessed to our i Does rot appty to business ran-crodif call accoants y p y y g period. Due re rounding on a daily basis, there may be a y y a... You are responsible for these amaums whether sight vadarce between this calculation ad the amo nt of they appear m your account at the time you request to Capital One spporte infem,ariah privacy protection; see our Ikherce large actually assessed. close the accent or they are Incurred abeegem [o welesite at www.capWoa.urorn. C it l Q t d sl I i d M k f C i l b. H [The code 2 or N appals m the iron[ of this satemmt nen to 'Bastes Rate Applied To," we multiply the your ngmst to dose the amount. TNa may dealt In chergea appearing on your actoum after you have ap a . a e er y reg a stere ea ca mar o ap ta One Financial Caporatien. All rights reserved. 0 2003 .-mm Y daY balace of each om by your -tN steel the account to be dosed or the_r_e pq of Capital One 01LGLBAK Npatant NuNw: Paymurts you mail to W Will be cnetited to your aocarrt as of the bu tress dry we fecow h, provided (1) you send the 6onrm porden of this station and your deck lo ifs ahdosad remittance envola=12'1 your papnent Is recdvd In our processing carter by 3 p.m. ET (12 roan PT). Please allo w at lean Aye (5) business days for posul delivery. Paymart. recsyed by - at any tien or In any other form may not be crodited as of the day we reiya them. Our buarsas days are Monday thrwyh SaNnley, axdudirg holidays. Reese do not use auplss, paper d?a etc. avian preperinp Your payment. When you send u a deck(s), y tore ou evdhorize us to make a ono-time to make a charge against Your bank amount uuing t alectranlc transfor dealt iron your bank acarm for Use smarm of the check TWa authai-ing the check the check 20 a all paper checks drari t o or other itduringemthe Willing cycle even if sent by aaneone also. If we canna process the transfer, you authorize . Your account is temporarily suspended 042 from future purchases and cash ACCOUNT STATUS FOR: PETER IWARIOT advances due to its past due status. A good credit rating can help you get credit cards, a cell phone or even a job. We may be able to help you restore your charging privileges: • Use our free Check by Phone service by calling 1-800-955-66oo. TEMPORARILY Call our friendly associates for payment options at the number above. • SUSPENDED • If you have online account access, log onto your account and pay now at capilwo , www.capitalone.com. • If you prefer, simply use the payment coupon below. wMCa to your w•eaeT The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose- 0 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 042-0404 cWhaim Account Previous Balance $3,539.49 Payments, Credits and Adjustments $.00 Transactions $35.00 Finance Charges $78.63 New Balance $3,653.12 Minimum Amount Due $653.12 Payment Due Date June 07, 2005 Total Credit Line $3,000 Total Available Credit 0.00 Credit Line for Cash $1,500 Available Credit for Cash $.00 At your service To mil Customer Relatiom or to report a lost or stolen cord: 1-800-903-3637 Send payments to Send inq..i. to: Attn: Remittance Prom-ing Capital One Bank Capital One Service P.O. Box 790116 P.O. Box 85015 St Louis, MO 63179-0216 Richmond, VA 23285-5015 PLATINUM VISA ACCOUNT 4862-3622-0275-2625 APR 08 - MAY 07, 2005 Page 1 of 1 Payments, Credits and Adjustments Transactions 07 MAY PAST DUE FEE "Important Notice- In order for us to provide you with the most appropriate servicing options, account terms and products, we need to collect additional account information from you. PLEASE CALL US at 1-888-440-5148 and allow us to prompt you through a few simple questions. Thank you for choosing Capital One. You were assessed a past due fee of $35.00 on 05/07/2005 because your minimum payment was not received by the due date of 05/07/2005. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. $35.00 Finance Charges Place ree reoerre ride for imyortant information CE Bal ratr Pr,A, C aoxdwg WEE ?liedto rye APR 'o PURCHASES $3,478.71 .07326%P 26.74% $76.46 CASH $98.63 .07326%P 26.74% $217 ANNUAL PERCENTAGE RATE applied this period 26.74% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362202752625 07 3653120083000653126 New Balance $3,653.12 Minimum Amount Due $653.12 Payment Due Date June 07, 2005 Total enclosed $ Account Number: 4862-3622-0275-2625 Plarepri,stmai/'ngadbrs.-dl- r-maiirln-gerbe! -'K- -41mk ink Street Apc J a'y S.. ZIP Home Phone Alt-., Phone #9012856580575514# MAIL ID NUMBER Capital One Bank PETER ISCARIOT P.O. Box 790216 1111111111111111111 1 t 1 m MEW 4173 GROUSE CT St. Louis, MO 63179-0216 MECHANICSBURG PA 17050-9116 ? S loll 1111111111111111111116111111111111111111111111111111111111 ° 1111111...III uuloll 11111111loll 111111loll n11111111loll loll Pleare vniteyouraccotrnt numberonyour Jeci or money order rnadeyayableto Cayital One Bank andmail in the mcrwede Az pe. r 8 O O 005 1 o87 O ton ppee 'odic rare. To obtain the average daily bale nce for the hhYfrq Pa. covered by this oat--, vas take the begirahrg balance of each segment each day, add any new norescrt. to each segment, and subtract any PaYtnem9 or credits. (lf the code N appeals on the had o this statement nee to 'Balance Rate Applied To,' we also subtract my unpaid finance charge included in the balance of each segment.) This give cal the dairy balance of each segrnem. TTan add up all the daily balances for each sognem for the billing period and divide by the total camber of day In the billing period. This gives us the average daily balance of each segment. 3. Arab Paosnttge Raba fAPRI. a. The term 'Annual Percentage Retie' may appear as 'APR' en the (rant of Ma ttatemerd. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of Deposit), or S (Bankcard Prime) appears on the floor of this statement neat to the periodic rate(s), the pedodc Fares and conepomdirg ANNUAL PERCENTAGE PATES Zm y vary gusrtedy and may increase or decrease based on the ateted indices, as frond in The Waff Street Jorurtal, pus the margin ppmvtasly disclosed to you. Thee large Wk be effective on she first day of your billing period covered by your periodic statement noting In the months Jawary, April, JUy and October. c. If the code D (Prime), F 0-mo. LIBOR) or G (3-mo. LIBOR RePdced MontNy) appears, the from of your statement nee to the Palladio r e(s), the pedodc rates end carmspondire ANMIAL PERCENTAGE PATES may vary mantNy ennddmay increase or decrease based on the sated indices, as found in The Wa0 Street Journet, phis =led previously dscbeed to you. Them changes WII be effective on the first day of your billing period each month. 4. Ana.... t Of Lab, 01erimR and Palmed Payment Fars. Your accent WII be assessed no more than two of the fees listed here that occur dung any billing period. Under the terms of your customer agreement, serve the dgM to waive or not to assess any fees Wthout dor no'llica to you Wthmt walving our fight to assess the creme or similar fees at a later time. ee 6. appears als Olt on you the r -.1Ml.sIfataatemmembent, ershipyou f front of thi 30 have days from the date tNa statement was mailed to you to avoid paying the fee or to have such fee credited to you if you cancel your account. During thi. period, you may continue to use Your account Wt hod having to pay the membership ice. To cancel your account, you must notify us by calling our Customer Relations Department end pay Your 'New Balance' in full (excluding the embership fee) prior to the and of the thlr y-day pedal. 0. Ii You C... Your Aoaout. You can request to close your account by calling our Customer Reletlans Department. You must destroy your credit card(s) and oust eccesa checks, cancel ell preahorized billing, end cease using your acent. If you do net cancel preamMrizod brlNng.c mono; vane WII casider receipt of a charge your authorization to reopen your aceoust. Adddorelly, your account WII not be dosed until you pay all amounts you owe us including: any ton"Id ns you have auhorized, firence charges, pet due fees, overlimit fees, returned paymasd fee., all advance fees and any ater tees aesassed to your r-rant. You are responsible for these em- blather they appear on your account at the time you requeat to clam the account or they are Incurred subsequent to your request to dose the accont. This may result in charges on your account after you have your account if it has already been dosed. For example, if you authorized a purchase from a merdrerat and we Ill. trensacli- from the mordant after your acaxar has been dosed, your accent will be reoperwd, the amourx of the large will be added to your acco rs, Ord you will be responsible for payment. If them is a membership fee for your account, the foe will cantkato to be Canrged? to ardent permitted by law, until the a¢oud I Chan e to hthe as been paid in full as definnd above. 7. Using Your Aaarad.Vour card or accent cannot be used in connection with any htemet gambling ten .U-. 8. Nohloe Abet EMabaNo Cheek Carwana6n. When you provide a lack as payrrere, you autlnrize us elther to use hfomedon tram your clack to make a are-limo electroic fad trersfar from your bank accord or to process the payment as a deck trraection. When we use information from your deck to make an dectroic fund transfer, futon may be wiUrlrawn from your bank account as soon as the more day We receive payment, and you will not receive your dl.ck beck from your Rendd institution. BILLING RIGHTS SUMMARY (In Case Of Errors Or OuesdoreF Abort Your Bill) If you think you bill Is wrong, or If you need more information on a transaction or bill, Who to us on a separate sheet as soon as po at the address for hh r ens on the front of tlis statement. We must you ne later than 00 days after we sent you the first NN on which the error or problem appeared. Vcu ran cell Our Custcrner Relations rrmbor, hurt dolrg so WII not Preserve your it". In your letter, give us the following information : your name and accost number, the dollar amount of tfl. suspected error, a d-dpdm of the ..or and an explanation, if possible, of why you believe them is an error, or if you need .=Information, a description of the hem you are issue about. You do not have to pay any amount nt In question while we are inveatigadng it, but you .011 go, 10 pay the parts of your hall that are not in question. Whito we Investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. l,t Special Rule For Credit Card Purchases If you have a problem Wth the "Illy of property OF ssMces that you Purchased with a credit card and you have tried in good faith to correct the problem with the re=nt, you may have the right not to pay the remaining octant due en the property or ssMCes. You have this protection aly vfien the purchase price was more than 360.00 and the purdase was made in your home state or Wthin 100 mile of your mailing address. (if we ovn or Operate the merchant, o; if vane mailed you the advertisement for the property or services, ail Purchases are covered regartiea of octant O locatan of purchase.) Please remember to ago all correspondence. t Does rot apply to consumer non-credit card accounts f DO" rot apply to business non-uadit card accounts One skpports information privacy pmtecdon: sae our at vzww.capptalore.com. One ie a tetlerapy stared service mark of Capital ?al Corporation. All rights reserved. a ? O1LGL&4K 1. How To Awid A Fivwa Change. ta. Grace Period. You will have a mirimum grace period of 26 days without finance charge on nevv purdams, new balance transfers, neve sped purchases and now other charges if yup yyyy our tend 'New Balance', in and in tiro, for it to be Impotara credited by your for next stapaymrrtem below, by your ar closing data, There is In snake period cash advances end special trensTers. addition, tholm I no grace period on any trarsection if you do rot pay ay the total 'New balarhce.' b. Aodruig Fit-. Chage. Tor-da s which are rat subject [o a grace period am assessed Bence large 1) from the date of the tr -d- w 2) from the date do, trasactim is processed to your Accent or 3) from the first calendar day of the current billirjl pecod Additionally, if you rid not pay the 'New Balance hen the previous billing period in full, fire- cage cordnm to accrue ro Mr aped balance until the unpaid balance is paid in full. TNa maerha that you mayy 1 owe fiance large, even if Vol ps the entire New Radars hdiceted F the from of your startment by the nee aaunprt dosing debt, but rid not do an for the pMvkm month. Unpaid finance, Barges am added to the eppYcable segment: of ymr Acxoutt. t c. Mirirsrn Fh- preps. Far each billing period that your auxwht Is to a iin- riarpe, a mbimun told FtNa.NCE atbJertE of $0.60 wN be inpoaad. If the hotel burrs Berge to= from the appYrstlon of your periodic rate(s) I. lam Men 30.50, we w11 subtract that amour from the $0.50 mhhaall and the differance will be billed to the aeF?tenH ofOyrograeocarht. td. dTWaynnyaany pudam assess ebony or ON 1Wrrs charges for any given the 2. Awp D.Ily B.1- (Y?tdna Naw Rrdmul. a. Mane large la calculated 6y mUdplying the daily balance of each segment of your aomutt (e.g., rash adverse, plrcam, special transfer, and special purcas.) by do, ceneep..dhV daily pedodlc rare(.) that has been previously disclosed W you. At the end of each day during the biting period, we apply the daly oarlock rate for each segnen o your accost ro de daily bdanc?e of each .ago -. Than ar the and of the billing period, WB add up the 11e of these defy relalerions to a=- r;.* periodic s carpe for each seOmert. up the resale from ech segment to arrive at the total pedotic flrence uYarpe for your atxxrnd. To go, the daily bad- for each segment of your accost, we take the beginning balance for each sagrom and add on new transactionsand any periodic firers chage rahdxlarod on fileprovia day's be arse for cat segrchod. We thou subtract any Paymenu or credits posed a of the dey that are aNxeted to that aegmon. Tale gives ran the separate daily balance for each mgnem of your sawn. However, if you paid the New Belarhce devwh on yar previas aeternerr h fin (or if your new, balance wen zem or a credit arho ld, new trereactio--== te se w apecid purdam rot added to tie deny belancea. We relalate rho average dally balance by eddinp ail the daily belasas topadl.r and dividrg the sun by tnd nanber of tho days in re the curers, typing cycle. To rahalate yar total daily pedodc, meuland by do number of days in the biitfirg period. Due to roarlnp one defy beds, chars may ha e asig o variance between this cal y b. end the octant of flrorce clhe ecruallY esmed. b. If the code Z or N appear on se Me hold of Ws aatanem sea to 'Bderse Rate "led To,' we multiply the Irrpatant ilopon Pay V you mail to us will be cretlh[ed to your amount as of dl. buarees day we receive it, provided (1) you send the bottan portbn of this su[ement and your deck h the enc?lwad remfnace envelope and (2) your payment is mcelYed In our proceadrg caner by 3 p. m. ET 112 noon PT). Pease allow at leas) five 15) Duaineas days ton postal delivery. Paymulora received by tae at any other bcadon or in any odor tort may nod ba cre6ted as of the do,y we recoiw them. Our business days are Monday Mrauph Sauday, axdutirg holidays. Please do not utse staple, paper dips erc. Wan preparing your payment. When you send us a deck(s), you authorize us to make a ana-none alactrarhic tanafer debit fran your bank account for the W= of the dock This authorization applies to aYY deck. recaved during the biking cycle .-if sent by someone else. If vre camot procoas the transfer, you authorize us to make a large against your bank accost using the deck, a paper draft or other hem. Capltalow, whwn in your waNet7' Your account is about to char-ze 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 119 will limit our ability to offer you financial solutions. • You will still be responsible for repaying the debt. PLATINUM VISA ACCOUNT 4862-3622-0275-2625 The purpose of this letter is to called a debt. Any information obtained will be used for that purpose. 0 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 0454404 Account S Previous Balance $3,653.12 Payments, Credits and Adjustments $.00 Transactions $74.00 Finance Charges $83.91 MAY 08 - JUN 07, 2005 Page 1 of 1 Payments, Credits and Adjustments Transactions 07 JUN CAPITAL ONE MEMBER FEE 07 JUN PAST DUE FEE Good news - it's not too late. • Call 1-900-955-66oo for payment options. • Pay with our free Check by Phone service. • If you have online account access, tog on to your account and pay now at www.capitalone.com. • If you prefer, simply use the remittance coupon below. New Balance $3,811.03 Capital One is proud to support The Heart of America® Foundation, helping children learn to read, Minimum Amount Due $3,811.03 succeed, and make a difference in the world. In 2003, we gathered nearly $1 million worth of books Payment Due Date July 07, 2005 for children in need. To learn more about how you can help a child make reading a lifelong passion, visit www.heartofamerica.org. Total Credit Line $3,000 Total Available Credit $,00 "Important Notice" In order for us to provide you with the most appropriate servicing options, Credit Line for Cash $1,500 account terms and products, we need to collect additional account information from you. PLEASE Available Credit for Cash $,00 CALL US at 1-888-440.5148 and allow us to prompt you through a few simple questions. Thank you for choosing Capital One. At your service You were assessed a ast due fee of $35 00 on 06/07/2005 b i i To call Customer Relations or to report a lost w stolen -1 p . ecause your m n mum payment was not received by the due date of 06/07/2005 To avoid this fee in the futu d h 1-800-903-3637 . re, we recommen t at you allow at least 7 business days for your payment to reach Capital One. Send Payments to: Send inquiria to: Attn: Remitumce Processing Capiw One Bank Capinl One Seniors P.O. Box 790216 P.O. Box 85015 St. Louis, MO 63179-0216 Richmond, VA 21285-S015 $39.00 35.00 Finance Charges Pleaserareverie ridefor important information Bd- swe Perada Con I- w g dt» >? l APR i PURCHASES $3,593.94 .07326%P 26.74% $81 61 CASH $100.86 .07326%P . 26.74% $229 ANNUAL PERCENTAGE RATE applied this period 26,74% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362202752625 07 3811030083003811030 New Balance $3,811.03 Minimum Amount Due $3,811.03 Payment Due Date July 07, 2005 Total enclosed $ Account Number: 4862-3622-0275-2625 Capital One Bank P.O. Box 790216 (r1u1ut111n1r1n1r St. Louis, MO 63179-0216 Please unite your account number on yora Plc-ep;nt-d,'ngaddnnanb -d -grrbel-m-.,rb! orK kink S- Apc 4 City Sme ZIP tiome Ph.. Alternate Phone #9015956580575519# MAIL ID NUMBER Z PETER ISCARIOT 4173 GROUSE CT =L MECHANICSBURG PA 17050-9116 check or money order madepayable to Capital 0 ne Bank and mail in f he enlaced envelope. I- ggggggga gg? gggg? Z 8 O O m o .-N rperiodic rate. To obtain the average daily balance tar the Nllirg period covered by this statemem, we lake ke the balance of each segment each day, add any new trersactions to each segment, and subtract any payments or credits. Of the code N appwm on the from of this statement next to -Balance Rate Applied To,' we else etbtract any unpaid I,-- charge induced in the balance of each aegntent.) TNa gives tae tlne daffy balance o1 each segment. Thn we add up all the cagy belarncea for each aegnem for the Meng period and 1., by the total sambas of days in the bgNng period. This giwe us the averaggee drily balance of each segment. 3. Amoral Proatago Raba. (APRI• a. The term 'Annual percentage Rate' may appear as APR' on the from of IN. statement. b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of this Or S (Ban to the p ppeaelaj on the pffrom of rates and conespandrhg ANNUAL PERCFMAOE R4TFS may veryquertedy and may increase or decrease based the stated irndoae, as hand s The Wan sneer JaazW, plus the mango yreliauty disclosed to you. These tlnerkies wit be ette 1 ort the Iret day of your ..it,. period uxnered by your peda: staternart endrg In the months Jarsry, Apd, _11T, and Omol -. c. If the code D (Prime l, F Gino. LOR) or O (3-mo. LIBOR Repriced Man1Ny) appeere o the tram of your armeman next m the pedodc rte(s), his pMOdic rates and correapadng ANNUAL PERCEWXGE RATES may very momhiY end may increase or decrease based on the sated Indices, as food In The Wen Suecv Journal, phis the mango preNausty dacbaed to you. Thase dnenpes AI be efkctive on the fiat day of Your Nlling period earn month. 4. Assassmam of Labs, Ovtaaali and Rmrrhad P.ymart Fass. Your account will be assessed no more than two of the fees listed hem that occur during any billing period. Under the terms of your customer agreement, vre reserve the to waive or net to eaesa any fees wltleun prier rotiflcatlon to you without waiving our right to assess the same or similar fees at a later time. S.tRrushp Your A.oast. If a membership fee dT from the datenWof this s matementm as mailed to 30 Y. you to if tomayou you carvepayingd theyoufr ee e ccant. Du or w havering t such fhiseeperio cred,dited it you you continue to use your account Wthon hating to pay the n enbership tee. To caned your s=M moat otily us by rolling our Cunaner and pay your 'NI Balance' in fall (exeludrg the meet Ist p fee) pdor to the end of the tNnY-day period. 8. If sou pose war Aa..ut. You can ra{ta:n to close your account by calling our Custmer Relations Depanmem. You nun destroy your credit card(s) and account access checks, cancer all preauhorized Nlling, and cease usirq your account. If you do not cancel preauthorized NRirg arragements, we will coaider receipt of a barge your authorization to reopen your account. Addtianally, your eccam will rat ha dosed until you pay all amounts you owe us irdudng: any transactions you have aurharized, firuroe durges, pan due fees, owdimit tees, returned payment fees, cash advance fees and arty rear assessed to your coalnt. You em reapasihie for these amama whmher they appear o your amount at the time you request to close the account or they am incurred su6wqucmt to your request to dose the accent. This may result in chames apcearino on your account after von have Your a= iefdit has already been dosed. For example, of you aurthodza a purdtax from a merchant and a receive the transaction from the merchant after your canot has been dosed, your account will be mopened, tle amount of the charge will be added m your account, and yyoouu will be ma-able for payment. If there is a rrharnbersh(p fee for your account, the fee will continue m be Cherdd, ro the mdem permitted by law, until the acCartt rce has been paid In full as dafined above. 7. tsig You Aoaart.Your cam or amount cannot be used In connection wW any Internet gambling berreecdurre. S. NMJ- Abort EII.W.A. Ch oak Can en k.h. When you P" a duck payment, you nrhodze us tither to tae infomation froasm your deck to make a ore-time r,c elect. toad varsfar from Yocr bank ae co nt or to proCese the payment as a deck trorsection. When we tstr informstlon inarn Yaw deck dr make ank fuel transfer, flrlda may be vdtidre At from m You, you bank acoartt as soon as the day we retoive your payment, end you All= e your check beck from your financial mathtWOn. BILLING RIGHTS SUMMARY Iln Case 01 Enos Or Questions About Your Big) f you think your NII la wrong, or it you reed more infrtmatio on e transaction OF NII, write to us on e separate sheet as seon asp .r at the address fa leer at- on the tram of tha statement. We mast inew you ro suer than 00 =ft =d nt you the first big on wtich the error or pyran call our Customer Relation number, but citing se wit net rights, =oyour your home :,-,=at, gnumber, the riche e V amountof thesspecmd error,, a deseripdon of o there is an error, or tar If If you the eror and en eh you if reed mom I p o omp you Flat mom I d a oscription of the Item you ere ureum abort. Y. You on es not have la pay any amour In question Mille we are Imveatigatlrg it, but y- am a lltiobNgeted to pay the Pena of your bill that are rat In quotation. he a investigate your question, we cannot report you as ddirpuant or take any action to collect the amount you question. I,t Special Rue For Croat Cam Purchases If Von have a prar==1l1 y of progeny a I . that you credt cam and you have tried In good faith to cones the problem with the amnchant, you may have the rigln rot to pay the remaining eon. due y the Properly or -weal. You have this protection n the purchase price was more than $50.00 and d the purchase yea made in your hone state or within 100 miss of your pun addFew. (If We own or operate the mertlsnt, or if we mailed you the adverfiaemem ion dhe pr sty or services, all Purchases are covered regardesa of amount or location of purchase.) Reese remember to sign all correapordence. t Does tai apply to consume, -,credit card wCo a j, i Does not apply to business roe-credit cord accounts I apPOrta ihtomadon privacy protection: a- our www, ane.c In. is a rally regswwd1 wVAm mark of Capital a Co irpmation. All dghte reserved. s 2003 01 LGLBAK T a. Qaw pried. You will have a minimum grace period of 25 das sew ce tlerge on w purdeee, balance raw apedal purchases and new other dnargae if you pay your total 'New Balance', in amadernce with the knportaw Pbtice for payments balmy, and in time for it to be erected by your next statement dw elem. Them is ro grace period on rash advances end speed trasfere. In edddai, there is no grace pabd any trarsdo if you do net pay the tool 'New halaca.' b. A.auirp Ffnasa Gag., Trareactioa vAtich am rot fran tfne dsmgof the trersectlan w 2) from the dam?dsl ) tmsaction Is processed to you+ Amount or 3) from the first calendar day of the current bit" period. AddtiusNy, if you rid not pay the 'New Balance from the prevleus billing period in full, finance charges continua m agents to your up, balance wall the unpaid balance Is paid in full. Th. mean that you meyy still owe fiance cargos, oven if you pay the aware New Balace indrated on the tout of your statanent by the reed statement tloalrnp data, but rid rot do se for the pmNOUS mawtth. Unpaid finance dawgea are added m the hie aegnam of yaw Account. tc. NNitnarn Finaws ps. far cach In period that your accournt Is m a anarnce cliarge, a r"r M_ tad RNANCE CNA E of 50.50 will be imposed. If the tad finance charge reauttlrgb hum me application of tlysutr ? amout MR be s f . (tithe $0.50 minims t and tt AN A te accost. t d. Trnpasry 11 d isgnern[ of Ffnanw Gyaw rgs. We mire the Fnirgxm rot assess any or all finance charges tar any given bNNng period. 2. Avraga Oagy Balan.a (inoiudsrg Nsw Nuahssaal. a. FAurhce charge is calaaated y multlpl}iwg the daily balance of each segment of yaw awash (e.g., cash dvarrE, purtdsse, apedal trersfer, end apedal pu lase) ==n g daily pedoAe mm(s) that has been ch p y to you. At rithe se and of each day during tha ipadod, we a y periodic ratZ' segment o year accoun to dine elegy balance of segment. Than at the end of the bigirg period, vre add up the realta of ifnB.e daily CalCWtiarna m arrive at your padodc finnrea charge (or each segment. We add cP the Nreaiu from each segment to ardw at the total periodic spa n your account, To get the daily balance tar each sagnent of yaw acoout, a take the bepirvsnp balance for each segment and add menyy trard-tione and any ppeedod , finance charge calnlated on the previous, days belarhce fa that segment. We then abtma any pa ? a credits posted as of the se day diet are allocated _segnat.Tidegive us the separate dilly bald the t Now Balance shown ? pmyloue wmate n i-F in 4-d ull (or If your new bassos was zero or a tract amount), - =.='= poettyopurtlese or =1 d rot added to the dalances. calaJem the average e dolly balance by addrp all the daily y bdacos togedher and dvidnp the sum by the number of the days in his currant Ngkg Lyre. To calculate your tom finaree carps, mltiply Your aveage doily balance by the dial periasc rete and by his nrrhher of days in the billing period. Duly re ranting on a daily basis, there may be e ought yadance betaen rids ralaiathn end tie smart of firorc therge acm,agy axesaed. b. II the code Z o N eppeam on tts feat of Ws amtement set m 'Balance Ram Applied To,- we multiply the I==.; Payments you mail to us will be credited to your account as of the business day a recalva h, prowled 11) you send the bottom ponia)buskan n of tics stet s eman aM your deck Itemtttanco envdnpe end (2our payment la recdved in our processlrg center by 3 p.m. tT (11 noon PT). Psase allow at least Ave I6 day for poatel tleliverryy Payment. recewd by us at any ogee locat) ioyn or m any enter corm may not be credited as of the day we receive them. Our buelrew day. are Monday through e;mumay, exdudnp Ixdidaye. Please rim shat tax staples =. dips c. when preparing your peymot. When you send u. a clack(s), you authorize us to make a one-lime electronic transfer debit ban our bank acearht for the amoxnt o1 k 'this audetization applee to ail checks receuved during the billing cycle even if sent by san.ae else. If we cannot process the tran.fmi you authorize us to make a charge against your bank account using the check, a paper doh or other item. First 3 months half-price 97* nth; $9.05mo. thereafter 4amo SIGN UP TODAY: ' 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.com/go/coral Rim PLATINUM VISA ACCOUNT 4862-3622-0275-2625 Account Summary Payments, Credits and Adjustments JUN 08 - JUL 07, 2005 Page 1 of 1 Previous Balance $3,811.03 Payments, Credits and Adjustments $.00 Transactions Transactions $35.00 Finance Charges $95.46 1 07 JUL PAST DUE FEE $35.00 New Balance $3,931.49 "Notice of Change In Account Terms" If your account is five or more days past due within six Minimum Amount Due $3,931.49 billing periods after being two or more days past due, or if we do not receive your minimum Payment Due Date August 06, 2005 monthly payment for two consecutive billing periods, all rates may increase to the Default APR previously disclosed to you. All other terms and conditions on your account remain in effect. Total Credit Line $3,000 Total Available Credit $.00 You were assessed a past due fee of $35.00 on 07/07/2005 because your minimum payment was not Credit Line for Cash $1,500 received by the due date of 07/07/2005. To avoid this fee 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 To ca11 Customer Relations or to report a lost or stolen w& 1-800-903-3637 Send payments to: Send inquiries to. Attn: Remitmnoe Procexaing Capital One Bank Capital One P.O. Box 790116 P.O. Box 30285 St. Louis, MO 63179-0216 SLC, UT 84130-0285 Finatlee Charges Pleare see reverie tide for important information Rd-ate Perrodr ;11 g C s E ? adto raft 1 .fp E PURCHASES $ CASH $103.15 07395%P 26.E $219 ANNUAL PERCENTAGE RATE applied this period 26.99% PLEASE. RETURN PORTION BELOW WITH PAYMENT 0000000 0 4862362202752625 07 3931490083003931492 New Balance $3,931.49 Minimum Amount Due $3,931.49 Payment Due Date August 06, 2005 Total enclosed $ Account Number: 4862-3622-0275-2625 P1 trmf mad"ngaddnn rn d mF A,1 -T R- -41-kBiel Str«t Apt i C'ry Stste ZIP h- Phone Altanate Phone #9018956580575516# MAIL ID NUMBER Capital One Bank PETER ISCARIOT P.O. Box 790216 114173 GROUSE CT St. Louis, MO 63179-0216 MECHANICSBURG PA 17050-9116 s IIII1111 ?I11IIII'llll lllll'?IllIi III111'I1I I11111IIIIII IIIIIII ? ? Pleare uniteyow account number on your check or -y order modepayable to Capital One Bank and mail in the enckred a 1,pe. peoplepc- online \_/ A better 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 BlockerTM Spam Controls Smart Dialer Phisher Security Internet Call Waiting r peoplepc- online u A better way to Internet. UNLIMITED INTERNET ACCESS SIGN UP TODAY! 1-877-778-1207 Mention Offer Code: CORAL Or visit www.peoplepc.conl/go/coral PeoplePC is solely responsible for this offer, and is not affiliated with Capital One. Capital One does not provide, endorse or guarantee, and is not affiliated with, any product or 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 communicating information about yourself 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 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 offer. Offer subject to change at any time. Phone technical support available for $1.95 per minute. For questions, call toll-free at 1.888-5TRYNOW. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll charges may apply, even during trial periods. You are responsible for determining 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-up numbers may be changed at PeoplePC's discretion. Continuous use subject to timeout procedures. All use is subject to PeoplePC Online's Services Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary. 0 2006 PeoplePC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of PeoplePC in the U.S. and other countries. ® 2006 Capital One Services, Inc, Capital One is a federally registered service mark. All rights reserved. 8 O N I o rid M.d,dic rate. To obtain the average daily balance for the ok rate. To obtain the average daily balance for the I. I period cevered by this statement, we take the beginning balance of each se(rrlem each day, add any new transactions to each segrnet, and attract any payments or credits. 41f The code N .spleens on the haft of thin statement next to -Balance Rate Applied To,' we also attract any unpaid finance charge included in the balance of each ggemee ) This gives us the daily balance of each sagrnenu[hen ' we add up all the daily balances for each segment for the billing Period rest divide by the total ben of days In the billing period. This gives w the average daily balance of sail} segment. 3. Anted Percentage R t. IAPRJ. a. The term 'Annual Percentage Rate' may appear as 'APR' on the from of this stare rem. b. If the code P (Prime), L (3tno. LIBOR), C (Comficam of Deposit), OF S (Banketrd Prime) appeam on the fret of this eatement next to the periodic rate(s), the pafodic rates and corresponding ANNUAL PERCENTAGE RATES may vary qumedy and may increase or decrease based on the stated indices, as toad in The Weft Street J6-1, plus the margin ,revlatty disclosed to you. Than 9==d ba effective on the flrat deY of yar billing months January, April, JJy and October. c. If the code D IPdme), F (t mo. LIBOR) or G (3-mo. LIBOR Repriced Morahly) appears on the '== satenreneta pnoerxhdt w? the pedodc tale), The es end --Z" ANNUAL PERCENTAGE RATES may very or v a may inc?raese or decrease based on the sated indcea, as farad in The Wad Street Jazrnat, plus the margin previously disclosed to M. These changes will be effective on the fine day of your billing period each month. 4. Aaaeaantrlt M Late, Owrfni rd Rabnad Payment Fees. Your account will be assessed no more than two of the fees listed hem that occur during any billing period. Under the terms of your customer agreement, we reserve the right to waive or not to assess any fees without prior -,Ilcathon to you without waiting our right to assess the same or similar fees at a later time. 5.tRerhewig your Aecouit. If a membership fee spear on the fret of this statemant, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee cradled to you if you cancel your account. During this period, you may hor continue to use your account w r M having to pay the membership fee. To caned your accent, you moat notify us by calling our Groaner Relatiens Department and pay your -New Balance' in fill (ettludng the membership fee) prior to the end of the thirty-day period. 6. If Yon Cl.. Yw Arawd. You can request to dose C4account by calling ewe Cusomer Relations rmont. you Q%=-.1711 r credicard(s) and t access preauthodzed billing, and cease uarh9 your account. If you do rot cancel preauthodzed billing attangemonta, we will consider receipt of a charge your eurthnrization to reopen Your accoart. Additionally, your accent will rum be dosed ontfl you pay all r moonta You owe us including: any transaction you have authorized, finance charges, pas due fees, ovedimit fees, resumed payment tees, cash advance fees and any Ober fees assessed to your moat. You am responsible for these amours whether they appear m your accent at the time you request to close the account or they are Incurred aI= noun I your request to dose the accent This may react io charges appearing on your accent after you have your account if it has already been dined. For example, d y oou authetorizedt actlpurosodfromrose front a chawi rs ar aftxerandwwe ac been dosed the count ye account has h reath , your added will be racco nt,, the emeriti of the charge will be your eroogatt, me you wall be responsible for added the the payment- I f them is a membership fee (or your account , fee will certinxte W be Chemed, to the extent tnrmitted by law, until the aaont ballance has been Paid In full as daftnod above. 7. uaitg Yw Aeesad.Yeur cam or amount cannot be Land in conhecten with any Internet gambling transactions. B. Nodes Al-t ELabsse Cheek Cower it n. When you provide a check as payment, you authorize tr eider to use Infortnat)an from you check to make a ore-time dectrmic fund transfer from you bank account or to Process the payment as a deck transaction . When we use Infomadort from your deck to make an electronic ftsd trarsfer, hndt may be W thdrawm from your bank account as soon as the same day we receive you payment, and you will not receive your deck Well from your fiancial untakution. BILLING RIGHTS SUMMARY (In Can Of Emm Or Questions About Your Bile If you think your bill is wort or if you need more nfomation on a trareactim or rill, wine to us on a sepanate sheet as soon as possible at the address for nquidee shorn m the from of this statement. We must fear from you no leer than 80 days after we som you the first bill on wlach the error or problem appeared. You can call mr Customer Relations number, but doing so will rot preserve your rights. M your letter, give us the following lnfamatim: your name and account number, the dollar amain of the suspected error, a description of the error and an explanation, If possible, of why you believe there is an error; or If you reed more informatim, a description of the hem you am unsure abort. You do not have to pay any amount in queetkn vvite we am Mvesdgeting it, but you are still abllgatad to pay the parts of your bill that are not in question. "I vile inventkato r'It -, - cersot report you as delingLraht take anyyou action to collect the amount you question. t,t Special Rule For Credit Card Purchases If you have a problem with the quality of property or services that you purchased w1th a credit card and you have tried In good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the properly or services. You have this proteOlon only when the purchase rice was more than $50.00 and the purchase was made in your home sate or within 100 mass of your mailing addresa. (If we own or operate the merdanT, or if we mailed you the advertisement for the property, or ser Aces, all purchases are covered =,rdesa of amain or location of purchase.) Please rorhenber to sign all correspondence. t Does cwt aPrvY to consu rsr non-credit card cements t Does rot apply to tasinesa roc-credit cam' accowts t supports information privacy protection: a" our www.ceptaione.com. r lie a federally napmeted service mark of Capital iCorporation. All it" reserved. 0 2003 _ OtLGLBAK To- FJm- Prtal. You will haw a mirinwn grace period of 25 days without f rsence charge on new purchases, now balance "traders, now special purchases and new other dnrges if You Pay you total 'New Balance' in ccordmne with the Import- Nod- for pay,mem blow, end ih time for it to be credited by your nett s erement Basing date. Them is no grace period on cash advances aril special twofers. In a"tion, them la no grace period on arty trraecdon if you do nil pay tun told "New balance. b. AeaNn g Fiume Charge. Trarsactio s which are not sub(ect to a grace plan!:! are assessed finance large 1) from da Bete of the trarreL.dorr or 2) from the date the treaactim is Processed to your Account or 3) from the first cal-der day of the current bafinjipaced. Adnitiaapy, if you did not pay the 'Now Balance from the previous being period in full, finance charges cosine to accrue to your unpaid balance until the unpaid lalerco I. paid in full. This meat tfha you -y sdi owe firence charges, eve if You pay rho entire New Balerce indceted on the frost of your statement by the next statement dosing date, but old not do w for the previos math. Unpaid finance charges are added to the e?Yc tc. fAsinaan Hanes dvgs?Fsf?ilNrg pedrtYor smut N apex to a ikhnra t h rga, a mkhFtum total RNANCE CiARGE of $0.60 will be inhpoeed. If the total a- dirge realgrg from the applicadm of your periodic rate( s) is lees then $0.50, we will subtract cat amoure from the $0.50 minimum and the difference wan be blood to the purdase sspnenr of accaurK. td. T-vilrry Recisions. 1. Peones ys. We rosarwe the dysY assess any or all finance charges for my given 2. Averages Drly BaWrw litirdig New Rrelwa I- a. Fiance charge is celaiaed y multiplying the daily balance of each segment of your accost (e.g., cash advance, pudase, special traafer, and special purchase) by the corresponding deny periodic rate(s) that has beer[ previously disclosed to you. At the end of each dey drdng the billing period, we apply tin deny periodic rate fo each segment of year account m the daily balance of each segment. Then ed of the billing period, we add up arrive a your the results of Periodic finance charge for each segment. We rants from each s rile to arrive vo a th e ar the add up the e total pe ala c firtece tlaryo for your yw ac accent. To get the daily belarhce for each segrnem of you amount, we take the beginning balance for each aeghtet and add any new transactions and any pedaic finance carpe calculated on the previous days balance for that segment. We then subtract my payments or credo posed ae of that clay that are allocated to dot segment. This gives us the sepe ate dairy balance for each segment of your aced rt. However, if you paid the Now Balance sh,-n on your prevlas statement in full (or if your new balance was zere or a credit am=- .==. to yw purchase or purdasa added to the daily balances. We calalsm the average daily balance by adding all the deny balances togedar and dvidng the sum by the ember ofe the deye in the arras billing cycle. To calc laa your tal fiance large, mcdply Yon average deny be- by the daily docile rate and by the number of days in the billing Period. Due to rondrg m a daily basis, rhos may be set slight vadace batweet this calodadon end the amaint of "I"s trierge eesty essesaed. Jr. If the code 2 or N apse m on the from of this sanmmt nett re, 'Balance Rate Applied To: we multiply the IM toncloeodPa eyou nail to ua »fll be cradled to your accant ea of the buekhaae ley we receive h, ProNtlao (t) yw aahd the bottom ponion of tNa satemmt and Your deck nMga and l1) your paymem la recolvod in our processing center by 3 p.m. ET (12 noon PT). Plwsa allow at least live 15) buaihess days for pustal tlravery. Paymems recwvad by ue a any otfsr location or m anY other tom may no[ bee crodted as of iho leyy we receive ssm, Our trainees days era MadaY tlhrauph SaturdayY, exdudng holidays. Please o1o tart Lea sleplea, paper ripe etc. vtsn preparing your pa}mem. When you cad w a dtackle), you aurwdze w to make a as-tme dectranic transfer debit from your bank acceuan for the rnoLrrt of the check `TNs autfhorizatlen apptae to aN checks racevad during the billing cycle even if sum by aeneexn else. It wo carynl process the transfer, you aaMrize ce to make a large agalrst your tank aexoat Laing the check a paper dreri or other ham. CERTIFICATE OF SERVICE A true and correct copy of the within Plai ifi's Amended Complaint has been served by U.S. Mail, Postage Pre-Paid, on Aof 2009 upon the following: Goeffrey Biringer, Esquire MIDPENN LEGAL SERVICES 401 East Louther Street Carlisle, PA 17013 I3y• _ Matthew D. Urban, Esquire RLED-i:,F ICE OF 7Nc F; : ;M'-? ,"%" JTAR'Y 2009OCT -6 AM 8: 44 PEI' Wes, ?..?,-•:v? . . • n 02 i - ^?RY 2010 JAN 27 . ,; 3' 22 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. PETER ISCARIOT Defendant(s) No. 07-7701 CIVIL TERM PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt, Esquire PA I.D. #42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#6139665 SJS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. Civil Action No. 07-7701 CIVIL, TERM PETER ISCARIOT Defendant(s) PRAECIPE TO SETTLE DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE TO THE PROTHONOTARY OF Cumberland COUNTY: SIR Kindly settle, discontinue and end without prejudice to refile the above-captioned matter upon the records of the Court and mark the costs paid. WELTMAN, WEINBERG & REIS CO., L.P.A. By: James C. Warm t, Esquire PA I.D. #4252 WELTMAN, y BERG &REIS CO., L.P.A. 1400 Kopper ing 436 Seventh Pittsburgh, 9 (412) 434- 9 SWORN TO AND SUBSCRIBED before me this k3 day of Su^ 2040 '1&4 4e_i e??_ NOTARY PUBLIC' COMMONW&AM OF PENNSYLVANIA Notarial Seal Sheila G. Bevan, Notary Public City Of Pittsburgh, Allegheny County My Commission Expires Nov. 15, 2010 Mamhar. pannsv1v8nie Association of Notaries