HomeMy WebLinkAbout08-10884
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff No: b$- 1088 0 ivt l Ternq
vs.
MANDI MILLER
COMPLAINT IN CIVIL ACTION
Defendant FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
06143806 C N Pit SXA
V
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
VS.
MANDI MILLER
Defendant
Civil Action No Qp' 10,F -T;
Civil
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
t
COMPLAINT
1. Plaintiff, CAPITAL ONE BANK is a corporation with offices at 15000
CAPITAL ONE DRIVE RICHMOND , VA 23238 .
2. Defendant is adult individual(s) residing at the address listed
below:
MANDI MILLER
70 LEBO RD
CARLISLE, PA 17013
3. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXXXXXX3515 .
4. Defendant made use of said credit card and has a current balance
due of $1248.24 , as of January 18, 2008 .
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
19.800% per annum on the unpaid balance from January 18, 2008 . A copy
of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 11111 and
made a part hereof.
7. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the balance due to Plaintiff.
Wherefore, the Plaintiff prays for judgment in its favor and
against Defendant , MANDI MILLER , INDIVIDUALLY , in the amount of
$1248.24 with continuing interest thereon at the rate of 19.800% per
annum from January 18, 2008 plus costs.
James armbrodt,42524
WELT INBERG & REIS CO., L.P.A.
436 S ent Avenue, Suite 1400
Pitt urg PA 15219
(412 434 7955
FAX- 412 38-7130
061 380 C N Pit SXA
This law firm is a debt collector attypt/ng to collect this debt for
our client and any information obtain d ill be used for that purpose.
027
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027-0402
CaprfalOnea PLATINUM VISA ACCOUNT OCT 20 - NOV 19, 2005
4962-3623-2057-3515 Pagel of 1
Account Summary Payments, Credits and Adjustments
Previous Balance $831.41
Payments, Credits and Adjustments $.00 Transactions
Transactions $29.00
Finance Charges $14.10 1 19 NOV PAST DUE FEE $29.00
New Balance $874.51 Take control and pay your Capital One credit tad bill online for free. Eliminate the hassle of
Minimum Amount Due $874.51 writing checks, finding stamps and sealing envelopes. Everything you need to access, review
Payment Due Date December 19, 2005 and pay your bill is available online. Our Web site offers you a convenient, simple and secure way
to manage your account. Visit www.capitalone.min and register your account to start simplifying
Total Credit Line $500 your life today.
Total Available Credit $.00
Credit Line for Cash $500 As a valued Capital One customer, you are eligible to receive a free Yea-End Summary for this
Available Credit for Cash $.00 specific account that reaps your 2005 Cages, provided your account is in good standing and
you have made transactions during the calendar yea. Please all 1-877-794-4487 before December
At your service 31, 2005, to reserve your copy for this account. We will begin processing orders in January 2006.
To call Cu.tomer Rdstiosu or to report a 1-t or stolen card You were assessed a past due fee of $29.00 on 11/19/2005 because your minimum payment was not
1--955-7070 received by the due data of 11/19/2005. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
For free online aarount service and spedd customer offers, log on to:
pcom
EXHIBIT
Send P.
and ym.u erns t to: Send inrryiria to:
S
Attn: Remittance Prong
Capital One Bank Capital One
P.O. Bor 790216 P.O. R. 30285
St Louis, MO 63179-0216 SLC, UT 84130-0285
F'ntance Charges Xwseraresurxndeforimportant in,jormaion
? Balasrrak
app
lirdta Pn. APR rat CuwDwsJesd
n PURCHASES
io CASH 883821
11.00 .05425% 19.80%
.05425% 19.80% x14.10
11.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 19 0874510020000874518
New Balance $874.51
Minimum Amount Due $874.51
Payment Due Date December 19, 2005
Total enclosed $
Amount Number. 4862-3623-2057-3515
Pkaap,m: mailisdaldvrs im&w -ad A.S. hed-wind bi- n bl rk ark
Seeet Apt b
aty St.te 21P
Home Phone Al-- Plane
#9032445608401519# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 790216 itiuinouiriururi o 70 LEBO RD
St. Louis, NO 63179-0216 CARLISLE PA 17013-9326
(suuniiuuiiiutiitiaaansiriasnsiiansiiruaiuisi ° ?
Pleas write yo aremod number on yore cback or money order madrpayable to Capital One Bank and mail in for endwed errvdope.
r
Send us your e-mail address so we can better serve you.
Even if you're already sent us your e-mail address, please fill out the form and return it with your payment.
We want to make sure our records are up to date.
E-mail address:?????????????????????????????????
Ftsese prktdeedy m block or blue ilk Your addressshoufd include an '®"$W and oaanatcomfom ay bbnkspdca A t'shouWhate lti own space.
=7- 4662362320.) 132in
Name: Account #:
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For more information about our privacy policy, please visit http://www.capitalone.com/parent/legal/prWcy.shtmi.
02002 Capital One services, Inc. Capital One is a federally registered service mark. Ali rights reserved.
i
8
N oo
? iaN
Periodic rate. To obtain the average daily balance for the
baling period covered by this statement, we take the
bmgiainp helance of each aevnam each day, add any new
irarwcb«o to each rpneM and ebtracl anY paym ra.
or rnAm. (N the code N sppean m the ft. of this
Stateroom next to 'B.WCe Rate Applied To,' we ale
Subtract any unpaid fierce charge Irhduded In the balance
of each ) This
p/va u the daily balance of each
OWN. 1. Then, add hp as the daMatlyabsencoo f« each
mber "imea for ft days in the boiling period. This st do' divas u the
aver ?y ealarice IT earth Sevttem.
3. Anad asrsays Rata AfMI.
e. Th. term 'Annual Percentage Rne' may appear as
'APR' m the from of this Stetanam.
b. If the code P (Primel, L (3-mo. LIBOR). C (Cerdficate of
Deposit), or S (Bankmd Prime) app.. on the from of
INS Statement hen to the periodic rte(s), the periodic
rain and Conap«dnp ANNUAL PEfICENfAOE RATES
may very quarteriy a may Itcroase or decrease basal
m the steed kdca, as foul n The We# S~
JoerW, Pits me margin preMesly discloead to you.
These mantes wR bs etfectlve m the but Sty 11 you
r khp period covered by your Periodic mtansm wing
the momhe Jamery, Apd, July and October.
c. If the code D (Pdmel. F (1 sea. LIBORI or O (3-ono.
LIBOR Repriced Montl% NPa-e m the fist o/ your
Marmerm ned 10 the pedOdie rate(SI, tie peniOdiC rata
and correspondirq ANNUAL PERCENTAGE RATES may
vary monthly and may Incmaa or decrease based on the
hated kelps, as feud in The Wag Shed Joumsf, plus
enpea
the margin pmwouaiy diadoseddayto ofyour hiainp you. These dpe riod
will be efhtctive
m the fist
each month.
4. Assessment of Lae, Omanb and Reserved Pawa t Feet.
Your account will be easeemed no mom then two of the face
line: hem that occur cluing any hall pedod. Under the
terms of you aetomer agreemen, we reserve the
right fo
waive «n01 to asses arty ten wrdaul priot radscaiion to
you wit= walvhrg our right to areas the acme or similar
fell n a later tlns.
6.1Reswkp Yam Aeault. If a membei it, fee
appeae on the from of this aaemad, you hove 30
days from the date till rtaamerat uses maled to you to
pad p.yktp the fill or to have arh fa ersd ad to you
if you uynoal your attou t. During this pared, you may
continue m use your arsaut taitttou heNnp to pay the
membership lee. To Cancel your ecceeit you must
notify its by caning our Customer Read. Do,:.
and Payyour New Balance' In hA (exdudrp the
memfee) prior to the end of the thirty-day period.
8. N ya Csaa Yea Aeaaus. tau pn ragusa to dose
yyoouur a. by malgrhp our Cunome Raietkrs
Gepanotion. You nut daatmy y«w cedit carols) and
au:e«rt areas ttheeks, carcN alt prautdnrized haling,
and cease WM Your account. H you =not pncai
prexNadzsd haling arraripstriara,_ we will consider
receipt of a verge your nwMrizanon to reopen your
account. Additionally, your acptat Ma rot be dosed
until you pay as amounts you owe us irdudnp: any
transactions you hove nwhedzed, Mcrae dsrga, pen
due fees, ovedirmt tea, returned paymant fora, rush
advarca fees and my ahem fees aseaaed to your
accerN. You am ra.pontlble for these .man".=,
they appeal an yew accelatt at the time yell dose the strove or they am kaxrred atWegltet to
your repast to dam the accourn. TNs may result n
cargom appearing an your accwt after you have
if your account If it has already been closed. For exornple,
receive the traroscdort from lh merclam ahm your
. Ms been dosed, your acc«rrl will he reopened,
is am«n[ of ate dorpe Ma be added to your account,
seed y'ou will ss mspxtMbla er payntann. If there Is a
mambeNip fee for your accent, the fee wN comkue
to be 0=rq.,ed,d,ceha to the shah permitted by law, taro she
.cc«re baisrhs bean paid n hnN as defined above.
7. Lhip Yam Ae..wt.Your can or accent cannot be
teed in connecYim with any internal pending
transactions.
a. Not- About Eesbarnis chalk Cawerslan. When you
pmNda a dock a paymem, you audtodte u sitter to
use inl«medm then your deck to make a one-time
aiec roric fund traneer ham Your bank sccout or to
graces the ppaaymam as a dank transaction. When we
use IMorom on from your check to make an electronic
had transfer, furls may be Wdxko- from your bank
accorn as som as the acme day we mceive your
payment, end you veal not ZN" your dtack back from
yotr finadai irudtuion.
BILLING RIGHTS SUMMARY
Ile Co. Of Ermm Or Q.-dons About Your Bill)
If you think your bill is wrong, or N you need more
ktfomstion on a trarsaNm or bill, write to u e on a
separate most a moon So pas - a the add- for
inquiries, shown on the fiat of this Marren[. We must
hear fmrn you no later then 80 dap alter we sera yell 1M
first rib on Midi Me error or problem appeared. You can
cab our c stunner Ralalione rsenhsr, but it. So
vela net
Preserve your highs. M your taller, give a de foaoMnp
ntometian: your name and acraut numb«, the dagar
and a opts edit ppsWle, =4== 1Mm Is
an mar; or it you need more inf tano m, a deacr{pim of
the hem you em uwre shout. you do rat have to pay anY
amount n que tin aloe we am immsigatlrq it, but you
are IN obligated to pay the ports of your tall that am not
in question While we invsstlgate your question, we carrot
report you as delaquom «take any shim to collect the
annum you inures . .
t,t Special Rule For Credit Card Purchases
If you hew a problem with the quality of property or
'ca the you putlsaed wed a cedit cad and yea
have tried in good pith m poet[ the prabiem wfl/h the
marcher, you my hove the right rid to pay the nemair irtg
armhoun due to
the p theny a mrrMPnpigae. You hews IN.
Prolocutor, only ths? Pddd?msds smore than
M1Nn 100 miles ofIurchoyoxse maling addle . Ill we own or or
operate the merchant, or if ruse malted You the
advenisemant far the pmpeny or amps, as pundesa
PkaSo raanber r oeignfas pr «reaporlocation tdence. of purdaa.)
t Ass nor apply to pany«rrer -,.w card -counts
t Des not apply to bump a , none m ft card acc«nts
Capital One Supports information privacy protection: ass our
website at www.pppiitteene.com.
Capital One is a tooraay registered a"- mark of Caphul
One rwerxial Corporation. All Vast reserved.. 2003
Capital One 01 LOLBAK
fa. Brsoa Par W. You will hove a mkimun grace period of
26 day. without finance me on new purchases, new
balance transfers, new .1 purchases and now other
cerga if you psy Vour tt NZ. Balance', in
eecodrew Nth to Importsm ce for Paymenva below,
and in time for h to he cradled by your next Memerrl
dcskV date. Them is ne grace period on cash adverton
anal special tmrdem. In addition, ft" is no grace period
on arty trsroadion if you CID ram pay the total 'New
hot-.'
b. A-aft Fkuoe clamp. Traneeraloro wddh are nor
fran di ihemtlne the 1rimsa 0onnor 2)dfromm the G het l
tmnaeeton la proosased to yoha Acearn « 3) fun the
first calandar daV of to ourwrt bafirp period. Addtimaily,
if you
sang dipetod h fug, Stroke cherya oo aims m eccnc to
Your unpaid balance uwl the unpaid balance is paid in hll.
This meet that you m Stilt owe fierce clherple3, cyan if
you pay to arum New Balance indicated m Ute from of
your Manned by 1M then MernUr d date, bust dial Joe
not hb a for the prsNar maned. lkpaid Merxe derpes
added m the Icade sepmen of your Ad;wt.
an
t c.
alankehan FYhe' s Oupa. tar a tic baang pmriod that
total your aeeant is 14ARGt to a Bnane charge, a mMmun
FINANCE CHARGresultin E of g from will he imp [fort It ore
total fironce charge s domq from to applicator of Your
periodic r is lea ten 30.60, we met subtract tot
anon from m %; 30.80 mhimum ant the dilerencewill he
based to the purcMa aprnem W your accwrt.
td. Terpaay Radhetise in Firha Qrp. We maerve the
d¢t to nsneotdassea any or ail finance charges for any pwm
2. Ay= DYy B.- finaltaftbymhatplykp the Ir RrdensI.
e. fierce tdargs calgasled dsay
Wlerce of esctasegmem of your account (e.g., koala
adva pumMa, special tads, and apedal purdem)
by dnce, e ceneapordrq dally periodic rai0111 hen hW bean
pmNOUly disclosed to you. At Uhe end of ads day suing
the bafirp period, we apply the dWy periodic ram for esm
seweem a your .ccouw m Uhe d==.d." earn
..Warn. Then at the and of to , e add up
the results of these daily calculations to amve n obi
pedodc finence charts for arh savors. We sod tip the
snenp do each 1;=% to amve at the total periodic
rile for you ersmrt. To got the daily balance
balance /« aim oievnenc? wd!idddamyl maocd ng
end cry iodic srhsrace d=. calculna mract tae pmwtoue
da
y's d? for let red tit Mm subt shy
paymems or eradita paned as of that day tut are allocated
to that avnea. This gives us the ops, dally balance
for each selThett of yon sccoun. However, if you paid de
N. Balance alawn m yea pmvkKn statement in
full for
if your sew belarlCe wa rem or a credit amorrt), new
tranleactora wNch post to your purchase or spade
purchase sationa
the ea am not a Ito the daily balance.
ithe .ho- mW ay npcdhe au?ira b?t?ie number ofy
t:.,Am
ys rig yde. To calculate your tool
fierce daarpe, muhiplyy your average daily balance by the
dally Periodic me and by the rxanher of days n the NMhp
PedOd. Dull to routing on a dolly basis, them may be ¦
Slight variance b mosson INS calculation and ft amour of
finance caZ8 y messed.
b. If to code or N appeam m Me h«n ...
etnemerrt
nee to -Balance Rate Applied To,- we mu t iply [tae
1 lISS I S Netiea: PsYmamf you mesa m us uifi M cradled to your a,oo mn as of the eosins day ea recaiwe It, provided 111 you seed the b«ten portlm a till so tamers end your dock
In the enclosed remittance envelope anal l21 Yaw pavtnsm la roealved n our PropaUq center by 3 p.m. ET (12 roan PT) Plasse above at lean eve (6) dsiress all hw Petal aailwery.
Payments received by us at arty outer locatim or in enV other foen -v rim he credited as of the day we receive them. Our business days am Monday taroudh SamrdsY. exdudrhp hhpldeya.
Please do rim tae naplea, paper ripe sic. Men Preparing hour payrnam. Whnan Tel send us a check(s), you aufmlae us to make a one-time aiectroric tresfer debit from your hank
of txxum for the sm«an of the dhss 7Ns etwherizstm eppkes Io a decks recavetl during the bisng cycle even if sari by sorneore else. If we cantor process the tramper, you authorize
to make a darts against your bank account Loft the dock, a paper draft or other ham.
VERIFICATION
CAPITAL ONE BANK
vs
MILLER, MANDI
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn
falsification to authorities, that he/she is, JAMELA SINGLETARY, Authorized Agent, of CAPITAL ONE BANK,
Plaintiff Herein, that he/she is duly authorized to make this Declaration, and that the facts set forth in the foregoing
Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief.
JAMELA S LETARY
Notary Public
ARYONNE MABSON
NOTARY PUBLIC
DEKALB COUNTY, GEORGIA
MY COMMISSION EXPIRES OCT. 29, 2011
4862362320573515
A049
WELTMAN, WEINBERG & REIS CO., L.P.A.
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2008-01088 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
CAPITAL ONE BANK
VS
MILLER MANDI
R. Thomas Kline Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
MILLER MANDI but was
unable to locate Her in his bailiwick. He therefore returns the
r^Il A-T T TTTT f AT(%T T!=
the within named DEFENDANT
70 LEBO ROAD
, MILLER MANDI
NOT FOUND , as to
CARLISLE, PA 17013
PER EX-BROTHER IN LAW, DEFENDANT MOVED OUT 3 YEARS AGO.
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
3/03jv $ 0J.-
So answers -)
18.00 -'
5.76
5.00 omas ine
10.00 Sheriff of Cumberland County
.00
38.76 WELTMAN WEINBERG REIS
02/21/2008
Sworn and Subscribed to before
me this day of
A. D.
, -% -•
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
Vs.
MANDI MILLER
Defendant
No. 08-1088-CIVfj, TERM
PRAECIPE TO REINSTATE COMPLAINT
i
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan
PA I.D. 447437
WELTMAN. WEINBERG & REIS, CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#06143806
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs. Civil Action No. 08-1088-CIVIL TERM
MANDI MILLER
Defendant
PRAECIPE TO REINSTATE COMPLAINT
Kindly reinstate the Complaint in the above captioned matter.
WELTMAN, WE?NBERG & REIS CO., L.P.A.
i
B [i?? ??
Y:
William T. Molczan
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh. Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR. #06143806
?V ? 3lx
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SHERIFF'S RETURN - REGULAR
CASE NO: 2008-01088 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CAPITAL ONE BANK
VS
MILLER MANDI
WILLIAM CLINE , Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
MILLER MANDI the
DEFENDANT , at 0021:22 HOURS, on the 17th day of June , 2008
at 70 LEBO ROAD
CARLISLE, PA 17013 by handing to
MANDI MILLER DEFENDANT
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
%,y/6f & .,
18.00
11.00
.00
10.00
.00
39.00
Sworn and Subscibed to
before me this
day
So Answers:
r I¦r?,[
R. Thomas Kline
06/18/2008
WELTMAN WEINBERG & REIS
By.
Deputy S eriff
of A. D.
CAPITAL ONE BANK
Plaintiff
V.
MANDI (a/k/a AMANDA) MILLER
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
: No. 08-1088 CIVIL TERM
PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT
AND NOW, comes the Defendant, Amanda Miller, by and through her legal counsel,
Grace D'Alo and MidPenn Legal Services, and files these PRELIMINARY OBJECTIONS TO
PLAINTIFF'S CIVIL ACTION COMPLAINT, and in support thereof avers the following:
1. Plaintiff is CAPITAL ONE BANK, a corporation with its principal place of business at
15000 Capital One Drive, Richmond, VA 23238.
2. Defendant is Amanda Miller (hereafter "Defendant").
3. Plaintiff filed its complaint on February 19, 2008.
4. The complaint was returned unserved on March 3, 2008.
5. The Plaintiff filed a Praecipe to Reinstate Complaint on June 16, 2008. (Complaint
attached hereto as Exhibit A.)
6. Plaintiff claims that it is owed the alleged balance on the account and demands damages
in the amount of $1248.24 plus 19.8% continuing interest plus costs.
PRELIMINARY OBJECTION PURSUANT TO PA. R. CIV. P. 1028(a)(2) (FAILURE
OF A PLEADING TO CONFORM TO LAW OR RULE OF COURT) FOR FAILURE
TO PROPERLY PLEAD ITEMS OF TIME, PLACE AND SPECIAL DAMAGES
PURSUANT TO PA. R. CIV. P. 1019(f)
7. Paragraphs 1 through 6 of Defendant's Preliminary Objections are hereby incorporated as
if fully set herein.
8. Plaintiff claims that it is owed the alleged balance on the account in the amount of
$1248.24 and attaches as sole support thereof an "Account Summary" which does not
show such balance.
9. The "Account Statement" fails to specify the Defendant's request for products, goods and
services or the amount, time, and place of individual credit transactions.
10. Plaintiffs fails to sufficiently specify the type and/or amount of the debt allegedly owed,
including the amounts and dates of the alleged charges, the amounts and dates of any
payments made, the amounts and dates of any interest charges, and the amounts and dates
of any other charges.
11. Pa. R. Civ. P. 1019(f) requires that averments of time, place and special damages shall be
specifically stated.
12. Plaintiffs complaint fails to conform to law or rule of court and violates Pa. R. Civ. P.
1028(a)(2) due to Plaintiff's lack of specificity in its averments of time, place and special
damages.
13. Plaintiff's general assertion of damages therefore is in violation of Pa. R. Civ. P. 1019(f)
and Pa. R. Civ. P. 1028 (a)(2) and renders Defendant unable to properly defend this
action.
WHEREFORE, Defendant respectfully requests that this Honorable Court
dismiss Plaintiff's complaint with prejudice for failure of a pleading to conform to law or
rule of court.
PRELIMINARY OBJECTION PURSUANT TO PA. R. CIV. P 1028(x)(3)
(INSUFFICIENT SPECIFICITY IN A PLEADING) FOR FAILURE TO PROPERLY
PLEAD ITEMS OR TIME, PLACE AND SPECIAL DAMAGES PURSUANT TO PA. R.
CIV. P. 1019(f)
14. Paragraphs 1 through 13 of Defendant's Preliminary Objections are hereby incorporated
as if fully set forth herein.
15. Pa. R. Civ. P. 1019(f) requires that averments of time, place and special damages shall be
specifically stated.
16. Plaintiff's complaint lacks sufficient specificity and therefore violates Pa. R. Civ. P.
1028(a)(3) due to Plaintiff's failure to properly plead items or time, place and special
damages.
17. Plaintiff's general assertion of damages therefore is in violation of Pa. R. Civ. P. 1019(f)
and Pa. R. Civ. P. 1028(a)(3) and renders Defendant unable to properly defend this
action.
WHEREFORE, Defendant respectfully requests that this Honorable Court dismiss
Plaintiff's complaint with prejudice for insufficient specificity in a pleading.
PRELIMINARY OBJECTION PURSUANT TO PA. R. CIV. P. 1028(a)(2)
(FAILURE OF A PLEADING TO CONFORM TO LAW OR RULE OF COURT) FOR
FAILURE TO ATTACH A WRITING PURSUANT TO PA. R. CIV. P. 1019(1)
18. Paragraphs 1 through 17 of Defendant's Preliminary Objections are hereby incorporated
as if fully set forth herein.
19. Plaintiff bases its claim against Defendant on a credit agreement creating the account
between Defendant and CAPITAL ONE.
20. The "Account Summary" attached to Plaintiff's complaint purports to represent
Defendant's Account, but is not a credit agreement and is not signed by the Defendant.
21. Plaintiff has failed to attach any credit agreement or application for a credit agreement
made or signed by the Defendant.
22. Pursuant to Pa. R. Civ. P. 1019(i), when a claim is based upon a writing, the pleader must
attach a copy of that writing or provide explanation for its absence.
23. To the extent that any credit agreement between Defendant and CAPITAL ONE is
written, Plaintiff's complaint fails to comply with Pa. R. Civ. P. 1019(i) in that Plaintiff
has failed to attach to its complaint a copy of any such written agreement or any
explanation for the absence thereof.
24. Plaintiff's complaint fails to comply to Pa. R. Civ. P. 1028(a)(2) through its failure to
attach a writing.
WHEREFORE, Defendant respectfully request that this Honorable Court dismiss
Plaintiff's Complaint with prejudice for failure to conform to a law or rule of court.
PRELIMINARY OBJECTION PURSUANT TO PA. R. CIV. P. 1028(a)(2) (FAILURE OF
PLEADING TO CONFORM TO LAW OR RULE OF COURT) FOR FAILURE TO
PROPERLY VERIFY PLEADING PURSUANT TO PA. R. CIV. P 1024(c)
25. Paragraphs 1 to 24 of Defendant's Preliminary Objections are hereby incorporated as if
fully set herein.
26. Plaintiff's complaint is verified by Jamela Singletary, who is identified as Authorized
Agent for Plaintiff.
27. Under Pa. R. Civ. P. 1024(c), a verification must be made by "one or more of the parties
filing the pleading unless all the parties (1) lack sufficient knowledge or information, or
(2) are outside the jurisdiction of the court and the verification of none of them can be
obtained within the time allowed for filing the pleading."
28. Under Pa. R. Civ. P. 1024(c), when the party is a corporation, the verification may be
made by an officer of the corporation upon the basis of personal knowledge or
information and belief. If not made by an officer, the verification must set forth the
relationship of the affiant to the party and the reason why it is made by him instead of an
officer.
29. The verification of Plaintiff's complaint fails to conform to Pa. R. Civ. P. 1024(c)
because Jamela Singletary does not identify herself as an officer of the corporation or if
not an officer, set forth the relationship between the affiant and the Plaintiff, nor the
reason why it was made by the affiant and not an officer.
30. Plaintiff's complaint fails to conform to law or a rule of court through its failure to
properly verify its pleading.
WHEREFORE, Defendant respectfully requests that this Honorable Court
dismiss Plaintiff's Complaint with prejudice for failure to conform to a law or rule of
court.
Respectfully submitted,
egal
r * 4 Sam*
Tlo
Date: /S/O,? 401 E. Louther Street
Carlisle, PA 17013
(717)243-9400
N.
0
CAPITAL ONE BANK
Plaintiff
V.
MANDI (a.Wa AMANDA) MILLER
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
: No. 08-1088 CIVIL TERM
AFFIDAVIT OF SERVICE BY MAIL
I, Grace D' Alo, of MidPenn Legal Services, attorney for the Defendant, Amanda Miller,
do hereby swear that I served William T. Molczan with Preliminary Objections to Plaintiff's
Complaint on July 3, 2008 by U.S. Mail, to the person and address below:
William T. Molczan
Weltman, Weinberg & Reis, Co., L.P.A.
2718 Koppers Building
436 Seventh Ave.
Pittsburgh, PA 15219
I, Grace D'Alo, verify that the statements made in this Affidavit of Service are true and
correct. I understand that false statements herein are subject to the penalties of 18 Pa.C.S. §4904
relatin to unsworn falsification to authorities.
Date ZCx1JO Signature
?..
?` ?
C°
?x
.? -<
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK,
Plaintiff,
vs.
MANDI MILLER,
Defendant
No. 08-1088
AMENDED COMPLAINT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Patrick Thomas Woodman, Esquire
PA I.D.#34507
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#6143806
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
VS.
MANDI MILLER
Defendant
Civil Action Noce `"0638
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
AMENDED COMPLAINT
Plaintiff CAPITAL ONE BANK is a corporation with offices at 15000 CAPITAL ONE
DRIVE, RICHMOND, VA 23238.
2. Defendant is an adult individual with a last-known address at 70 LEBO ROAD,
CARLISLE, PA 17013.
3. On or about April 29, 2003, Defendant applied for and received a Platinum Visa
credit card account issued by Plaintiff bearing account number ************3515. A copy of the
application is attached hereto marked as Exhibit "A" and made a part hereof.
4. Defendant was provided with a "Customer Agreement" that contained terms and
provisions applicable to Defendant's credit card account. A copy of the Customer Agreement is attached
hereto marked as Exhibit "B" and made a part hereof.
5. Defendant made use of said credit card and such use indicates acceptance of the terms and
provisions of said Agreement and said account had a balance thereon due and owing to Plaintiff as of
January 18, 2008 in the amount of $1248.24.
6. The attached "Customer Agreement" is the agreement that applies to Defendant's account
and is one of the writings on which this action is based.
7. The attached "Customer Agreement" states that the customer agrees to its terms by and
through the use of the credit card.
The attached "Customer Agreement" states that the interest rate to be applied to the
account was disclosed when the account holder applied for the credit card account.
9. Plaintiff states that it disclosed the appropriate interest rates to the Defendant when
Defendant applied for the credit card account.
10. The attached "Customer Agreement" states that the interest rate to be applied to the
account will also be disclosed on the monthly statements to be provided to Defendant.
11. Plaintiff provided monthly statements to Defendant from the time the credit card account
was opened until the time the account was closed because of the failure of Defendant to make required
payments. See: Exhibit "C" attached hereto and incorporated by reference herein.
12. The balance on the account at the time of the last statement forwarded to Defendant was
$874.51.
13. The annual interest rate at that time was 19.80%.
14. Defendant defaulted under the terms and provisions of the account agreement by failing
to make payments when due and owing. The entire balance of the account is due and owing upon default
per the terms and provisions of the account agreement.
15. Since the date of the last account statement, interest has continued to accrue at the annual
percentage rates as stated herein at Paragraph Thirteen (13).
16. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or
refused to pay the balance due to Plaintiff.
WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant Mandi Miller, in
the amount of $1608.96 with interest at the legal rate of 19.80% per annum from January 18, 2008, plus
costs.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED
SHALL BE USED FOR THAT PURPOSE.
WELTMAN, WEINBERG & REIS, CO., L.P.A.
w?-a-?-
Patrick Thomas Woodman, Esquire
PA I.D.#34507
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#6143806
CUSTOMER AG
torte b Capital Cne.m We era pleased to open your credit card account This
tenet rombins information abort your acooul. Please read i and fop it br your
xis In t>*s Agreement the words you,' yowl and yours ram to each person who
eel to appicafoon and b anyone e+se who uses to account in -my way. Each of you
e lividuuely and ,potty obigated under this Agreem_r!. The wards Nm Its' and 'our'
in CapU One Bank and b sus or assigns We can deby enforrdhig our rights
ar this Agreement wtihoul bskV them
ng Your Account. You can make purchases and obtain c mh advances Of we leave
you that cash advances are an option for your accounQ by wft your rani, account
bar. red any account aces dwft [ndudeg Purchase Checks, Corwenhw-e
d:3, S.pecW Transfer Checks and other shit dmb) gnat we may send b you.
M sire prmtle you wish accord aaass checks, we wvul fel you whal1her 2W wfi be
tad as ptrdaes, cwh advances, or speed trausies Ur>tess we fel you off,
:veraence tea w it always be treated as cosh adva cm
r card of account carrot be used in connecfion wM any Ntemed or Boo gambling
sacfions Your card and account may only be used for vaid and fawat purposes. B
use. or WbLy someone else fD use, the card or arsou d for arty anpemissible
am- you wit be responsible for such use and may be rr q*W to rernburse us and
brC.wd Wemafional incorporated or Mesa USA, lnr, as applicable, for al amounts or
-res we or toy pay as S result of such impwnissbb use
agnee fiat we are not responsible if anyone refuses ID honoryour account. ffyDu do
use, your amount. you may cancel I by ca6rng our Cratomer Reams department
destroying yon card(s) and amount access checks whin 30 days aW you recabs
2
h Equivalent Trarsacfrons. I cash advances are an opron for your accord, yDu
use your accamt to purchase ins that are dre cly corrverilnie to cash. These cash
vakaA transactions A be beated as cash advances and will be billed b the rash
snce segment of your a=unt Cash equivalent trarsac5ors Include the purchase of
harsfer money orders, bet, btfery fickefs, raft gaming ctir and other ender
duds orservru7:ss.
r Crate Lent You were bid yon craR"*m you opened your account. You
may have di lejerd credit fn ft that apply b different segments of ymr axmtmt
h as purchases, cash advances, and special irernsiersj. These cratfit finis wil be
fled on your periodic statement You agree b make p mdoses or ablam cash
mow only Up b the relevant credit fill. We may I i - se or decease your out
at any fare, may unit be amour! M is available for cash advances, or may
tie cash advances entirely from your account We may loom bamadios an excess
xtr ccedl lent. even t these transactions resit in an overiorrT be. and tow
actors and fees will be covered by this Agreement.
sng Payments. You promise b pay us all amounts due resuifng from the use of your
cant', indudng any finance charges and other charges cdue under the leans of this
emerd. Payments must be made in U.S. dolam Paymerb made by a negotiable
rrra°..rt such as a check o a money order numt be fn a fonm acceptable to us and be
n on a U.S. finarncW nsitv5xL We may agoeate payments among the various
>..n>s of your account in any way we determine.
must pay at lead the mi irrrun amount due by use date rum on your statement
Ad a Me payir>°nt lee However, you may pay rrrort than the rraFnrmrm paymerd Dr
at balance in fur In any case, finance charges w it confirm b be assessed duui>g
Pmiods gnat you carry a balance regardless of whether ur not your statement
s a rnk*= payment dire.
an adept fate payments or partial payments or checb and money orders marked
iart in full or other similar language without being any of Dhr rights under this
mwx t including our right b reralve payment in fuL
dic Sbtememt Each month you have a balance in your amount we wil send yDu
%Trent sbrwrhg al bansaudiou billed b your arzoest during the billing period. The
Period Is the rune from me statement dosing date hough and bxhidrg the next
nand coding dale. The statement daring date determines the moan of a spemC
period. For example, your January billing peiod is ihhe Ming period w1h the
lent closing date in January.
rn Charge bnfvrmabon.
use Period You A have a minimum gram period of 23 days witwut finance
d
= on churn puicc>asts, new balance bansfers, new special purchases and new am
M T you pay ymur total New Balance as shunm on you periodic statement in furl
firre br I b be credited by your nett statement ding dam There is no grace n
on rash advances and special transfers. In addition, f you did cwt pay the total To
balance from the previous billing statement in full and in lane for R b be aedrted by
-14 staff closing date, there is no grace perW of any transaction. AD
7uirrg Finance Charge. Transactions which are not subject b a grave period are p
red &MM charge as fDODwS:
in
:adons made during the current biffmg period from the kansac5on dam a
bd bransacions and bansacdons made wj1h accunt access cheap from the date ff
nsaclim is processed to your account or
actions made prirx b the currant bnMng period: from the first ralendN day of the a
bftq period.
naly. AT you dal cwt pay the New Balance from the prevbm billing period in ful
charges continue tD accrue b ymur unpaid batance unil the unpaid balance is
To gat: 2L-- daily bal nca for each segment of your account we fake the
begi<nmg bft= far each segment and add any roes barL-e is and any
I ' 11 a fisaahc1 charge dated on the prevrmus days balipm for that
segm W- tlrea subtract any payments or credos palled as of that day tot
are atlo d tD 299 segment This gives us the gate dally balance for each
d
segn>?dyour aeecourt. However, I you Paid the New Balance shunum on your
preumrs in furl for H your New Balance was; zero or a oredot amount),
new, which POdb your purchase or spacdpurdmss segnenis are
tm(addrdmthe d* babWM
To oafs your total finance charge, mulk* your average daily balance by
Am d*l? raft and by tin number of days in the bSeng pe&& Due in
room 5, 9 cc a slaty base, then: may be a sight variance between this
rafr»to? and the amount of finance charge actu assumed.
F. Cm* Fem If a cash advance fee apples fo your accost, you were
told in k9WM you op. ed your account The W YA be charged eadn fire
yon abbb a cash advance and wil be added to the Cash advance segment of
)'w a=mt and WE Mduce yon Mailable M& The amount of the cash
a horn be wit W added b other finance charges on your periodic slawnerd
for the pm m a d salculafng the annual pe=wfte rate dscosad there. This
may - the aamd perter bge rata discoed on your statement to be
greafa tluaa to awned percentage rate that was disclosed b you when you
op?ymrauomnR
S. TwFwwyR?on in Finance Charge We reserve the right to not assess
any arafftnae c haeges for arty given b&V period.
Dffiw Fees and Charges. The b1c& ng fem may be billed led 1D the purchase
segnsmt d your aexrsnt, unless otherwise spaded, in every bring pariod in
whim tley appityc ? payrnent fee if we dD not receive yDur payment in lime for
i b be L>2 d by The filDwig statement dosing dam; mwfi nt fee I your
accamd &ra ny mynerst Of you accounQ gxs or stays above any femporanly
or y assigned amid lend, even I we approved the weriunit amount,
at any Noe dorang to billing cycle (regardless of W wow you went ov&d as
a msidtda hansack6% finance charge, or any other ice or chargag returned
check ? bhpu? every time a check is returned b us for any reason, or if we
carrhoILamoryour accourd access via for any reason; and copyn charges
for copes of trarmadDns or staternehts unless required for brig
nsdi? These fees and charges will not be assessed t your billing
address sm iii Puerto Rico when your account was opened. The fee and
dares a>etrII +rs roe disclosed b you when you Dpented your a?L If any of
t? im or s3oWes am changed subseque?rt b yon account apenlog. you
wff be ahised of tie new amrimt We reserve the right b waive these fetes
wh?mutp>mclsof$cai'io? tin yes.
Aft Fez.. I your account has a membership fee, I was dsdosed tin
you sbm you owed your account The fee wN be billed m t;e pu chase
segmevst of your asxvurrt
Craft Swears hdDnnatiorL You agree That we may obtain your aedd
ihfamefte horn Smelt r WtV agencies at any fine for the purposes of
9 ? =A PNb, n3cagmg your account and considering
you fox nm oars and programs.
Fuhn Offers The teams of any future offer will be dsdosed b you at the firm
the oiler -s made If you accept an offer; the terms A becxne effective
itue j centres oltien&e specified in the offer.
Defend. We my consider you b be in dehA under Isis Agreemet it (a) you
fait b pay to ma>i um payment on fine, (b) you exceed your aedd ka or (c)
yMU pay use VA tracts that are returned for any reason To the extes! pemhitted j...
by fair, you may also be in detaul under fn's Agreement it (f) you violate any dam no
the afierfesrrrs of ft Agreement, or any of fhe terms of any other agreement
ells is cr any of or afflial?s. or m you made any fake or e>iskadigrm
sblemr? on your appeafion, or (3) bankruptcy or other hrsolve??(
proe?ngs ale free d by you or against you. After you are i i > k atlerure ry'ueyon arty notice of or right b an the d=..fad If required lawn may H I yaer acwurd from Herr transactions, or close your account andW
emend' 1111 papwd of the enfre outstanding balanm b, addition, as a
result ou€ Lou d? your mrrun um payment may increase without advance
GL
the radr3dperuobed by law, you agree to pay al court c=ts and cDbcGon
e pesos teamed by us in fie coeeclon of any amount you we us under Ibis
ram ltrym default and we refer your account for cvtfec%n to an attorney
who 1; nd nor saWW empbyee, to the extent permitted by law. you agree a
ay reasor? aftmeys' fees. You also agree to pay any rends we may incur
retracing your cads, including any casts we may incur by haying your
a out pied ore a roestiirled ist
on Cbse Yaw Accousnt You can regUest to dme your ar mw4 by calling
Ctisboer l?rs department YDu must desivy al cards and account
ices ca 'r E 25 praanlhor¢ad billing arrangements, and crease using
yore acmmwL gymr do not cancel preautsorized billing arrangements, we wig
u?nsirer receipt of a charge yam authorf afion b reopen your arxDUnt
Addifmmfff ycwrra=omst will not be closed urd you pay al amounts you owe
w*mm,m any LansacOOM you have adtortzed, finance charges, fate
T?? ,.ten, ?.n?,.m..,.n.o.•.y „a.?, u.e.? ?....• y.e„a ?....,, ,......J ,.?.........,...
S. Acaadng Fr-arrce Charge. Transactions which are not subject b a grace period are
Ba ;S-.-ee Tina charge as follows:
•Trauzsactions made during the current billing period: from the transaction date.
-Undated trarmacfrons and transactions made with account access chi from the date
the tfanSaC!iDn is Progssed to your account_
.Transactions made prior to the current billing period: from the first calendar day of the
current biting period.
Addi5ona5l, t you did not pay ft New Balance from ft previous bilfvrg. period in full,
finance charges continue to accrue to your unpaid balance un9 the unpaid balance is
paid in fuL This means that you may still owe finance charges, even I You pay the entire
h w Balance indicated on the front of your statement by the next statement closing date,
but dal not do sD for the previous monfi. Unpaid finance charges are added to the
applicable segment of your account
C. hYflnlmurn Fr wx;e Charge. For each billing period that your accotvd is m bjed to a
finance charge, a ffk* lum total finance charge of $D.5D wit be imposed If the total
finance charge resulfirg from the application of your periodic rate(s) is less than PM,
we will subtract tiiaf amount from the $D-5D minimum and the difference wig be billed b
the purchase segment of your account.
D. Periodic Rales We determine the daily periodic ride by diuiduV the annual percentage
rate by 365 and rorndmg it to the nearest 1/1 ODADDI h of 1 %. The rate may be ditbrent
for each segment of your account (e.g., cash advance, purcdhase, special purchase, and
special transfer S applicable for your account). You were told the dally periodic rate(s)
when you opened your account and A appears on your statement
E. Cakula& France Charge. Finance charge its cakarl3bd by multiplying the dally
balance of each segment of your account (e g., cash advance, purdiase, special transfer,
and . sped pum base) by the corresponding daily periodic rate(s) that has been
previously disclosed to you. At the and of each day during the billing period, we apply the
defy periodic rate for each segment of your account b the d* balance of each
segment Then at the end of the blMM period, we add up the results of these dally
calculations to arrive at your pe bcfiic finance charge for each segment. We add up the
results from each segment to arrive at the total periodic finance charge for your account
=_ennert and/or terriporariiy or Pemtanentty suspend Your 913dt privileges. This
udes, but is not bTADd to, situations where you have violated this Agreement orwhere
have reason to doubt your creditv+orthirnt s. You obligafmars under this Agreement
fire after Your rights to obtain credit have Wier terminated or suspended. We may
y in enforcirng our rights under the
who is not our satariad employee, to the ext°_rnt permlted by taw, you agree to
pay reasonable attorneys' fees. You also agr a to pay any cysts we may incur
in refrLmm g your cards, including any costs we may incur by having your
account placed on a restricted Fist
ff You Close Your Account You can request ID dose your account by calling
,_Rt1Lf met RelationsJeparbnant You must destroy all cards and account
access cheer, cancel all pre-au6orized buffing arrangemenrs, End curse using
your acw nL If you do not cancel preaullmrizad billing arangamsnts, we wo
uotnsidar racWpt of a charge your aulhoriza5on to reopen your acccunL
Additionally, your account will not be dosed until you pay all amounts you owe
us mududung: any transactions you have authorized, finance charges, late
payrrienf fees, overfrrhti fees, returned chat; fees, cash advance fees and any
ofhur fees assessed to your acumunL You are responsible for them amounts
whether they appear on your amount at the Sane you request to dose the
account or fumy are incurred subsequent b your request to dose the account
This may result in charges appearing on your account after you have requested
the account b be dosed or the reopening of your account 8 d has already been
dosed. For example, S you authorized a purchas=e from a marci and and we
receive f ha transaction from the merchant after your account has bewh dosed,
your accout wig be reopened, the amount of the charge will be added to your
ac=K and you will be responsible for payTrreni If there is a membership be
for your account the fee will continue to be charged, to the extent permitted by
law, until Ere account balance has been paid in full as defined above.
If you want to stop an auBwri ed user's access to your account you must can
our Cusbrnsr Relations department and destroy the users card (t any) and any
account access chenca he or she may have:. II you are unable to destroy that
persmrs card and account access checfs, and you call our Curstoaff Relations
department b dose your account your account will be dosed and both you and
ft joint cardblder. S any, may apply fw a new account. If we dose the
account, you and the joint cardholder, S any, will still be liable, individually and
together, for al amounts charged to your account.
If We Cancel Your Account or Suspend Credit Privileges. We may at any
time, with or without cause and with or withoul advance notice, terminate ft
/ First 3 months half-price
97*
,month;
$9.Wam. thereafter
=FREE Accelerator'
.1 rw atoe ao 0er fal wanes
SIGN UP TODAY!
' 1-877-778-1207
Mention Offer Code: OPAL
Or visit www.peoplopc.com/go/opal
Cap#al oW
Account S
Prevtaus Balance 500
Payments, Credits and Adjustments $376.27
Transactions $76629
Finance Charges S.00
New Balance $390.02
Minimum Amount Due 511.00
Payment Due Date July 15, 2003
Total Creak Line $500
Total Available Credit $109.98
Credit Line for Cash $500
Available Creak for Cash $109.98
At your service
To all Cwtomer Rdatiow or to report a last w stden art:
1-800-955-1070
For free online aeeo wt swig and special owto offers, log on to•.
-eapitalone.eom
Send Payments to:
Attn: Remittance Procesing
Capital One Service
P.O. Box 85147
Richmond, VA 21276
Send letV!ue to:
Capital One Services
P.O. Box $5015
Richmond, VA 23255-5015
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PLATINUM VISA ACCOUNT MAY 16 - JUN 15, 2003
4862-3623-2057-3515 Page 1 of 2
Payments, Credits and Adjustments
1 06 JUN FRAUD ADJUSTMENT - PURCHASE $52.92-
2 06 JUN FRAUD ADJUSTMENT - PURCHASE 27.55-
3 06 JUN FRAUD ADJUSTMENT - PURCHASE 58.17-
4 06 JUN FRAUD ADJUSTMENT - PURCHASE 76.00-
5 06 JUN FRAUD ADJUSTMENT - PURCHASE 14.75-
6 06 JUN FRAUD ADJUSTMENT - PURCHASE 8.94-
7 06 JUN ADJ- PURCHASE - FINANCE CHARGE .16-
8 07 JUN FRAUD ADJUSTMENT - PURCHASE 9.34-
9 07JUN FRAUD ADJUSTMENT -PURCHASE 59.89-
10 07 JUN FRAUD ADJUSTMENT - PURCHASE 36.57-
11 07 JUN FRAUD ADJUSTMENT - PURCHASE 31.98-
Transactions
12 02 JUN CARLISLE STEAKHOUSE CARLISLE PA $5.98
13 03 JUN SUBWAY # 26369 CARLISLE PA 4.65
14 03 JUN REGAL NAILS CARLISLE PA 76.00
15 03 JUN DELI CREATIONS CARLISLE PA 27.55
16 03 JUN TEXACO INC 14151364942 CARLISLE PA 8.94
17 03 JUN EXXONMOBIL75 29674793 CARLISLE PA 58.17
18 03 JUN WALMART #2574 CARLISLE PA 52.92
19 04 JUN DELI CREATIONS CARLISLE PA 14.75
20 04 JUN EB GAMES #2789 CARLISLE PA 31.98
21 04 JUN EXXONMOBIL75 92010214 CARLISLE PA 9.34
22 04 JUN EXXONMOBIL75 29674793 CARLISLE PA 59.89
23 04 JUN CHENS KING BUFFET INC CARLISLE PA 36.57
24 11 JUN FRAUD ADJUSTMENT - PURCHASE 52.92
25 11 JUN FRAUD ADJUSTMENT - PURCHASE 76.00
26 11 JUN FRAUD ADJUSTMENT - PURCHASE 58.17
27 11 JUN FRAUD ADJUSTMENT - PURCHASE 8.94
28 11 JUN FRAUD ADJUSTMENT - PURCHASE 36.57
Finance Charges Please sa reverselddo* Important information
Bdmve- Periods ??as?;,,g
?
?dto iIPR
PURCHASES
CASH 8.00 .05425%
3.00 .05425% 19.80% 8.00
19.80% 8.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
C21piftl ow
0000000 0 4862362320573515 15 0390020000000011003
New Balance $390.02
Minimum Amount Due $11.00
Payment Due Date July 15, 2003
Total enclosed $
Account Number. 4862-3623-2057-3515
Puorep.intmir??rr? .-Maa?,.k?n,><,:yu a.arr6?a?
stmt Apt !
City. S.. ZIP
Ham, Phone Altamate Phone
#9016645608401514# MAIL ID NUMBER
Capital One Bank MANDI MILLER
PO. Box 85147 us11n1 m 177 OAKHILL RD
R . ichmond, VA 23276 N CARLISLE PA 17013-8929
qtr.t.et..tte?t??ttt?t??tt??rn??tte??t?tt tW#'t?IT ° ? ?ttt???tet....eeett..et??t..r.....tete.t..t.e..t.t..era.e...t.
Plea. -4teyo aaoant r dW - money order made payable to Capita One Bank and mail in the endarrd rnve/dOr. I / ??
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a. grass fire. You will have -a minimum grace pedod of
25 days wahor finance, charge on row pudreee, new
balrres trarrkn, row apetlY padraee rd row odor
drapes if Vat psy Your real 'New Balance', In
aocadarm wIM ttr Yrpamrd Notice for payments bebw,
and In taro for It to be cnsdioed by your Ietd stattlmant
closing duos. Them is ro grace perlod on cash advances
and species trmdas. h addiden, them a - trace period
on cry tares tton if you do not pay the local 'Nm
b. Ar,esing FYnerms charge. Trarrwtlar vdilc h are rot
fiom?tlr dam of?yhr, v?arhaacUorl?horru thethine da?tlr1)
3
O I
f
1 N botnalk youu u? balarm uTM ntil tM? ?is paid to s1.
This mere that you rarelyy sag owe arenas charges, even if
you Pay to andm New Bstanhca hdrated as the front of
Ysur auterrurt by the nine slsremat deeI n dem, but did
not do so for tie gte`iers Torah. W%pee orerce charges
are .teed to dray esiFrtera of yar Account.
t G rn*d r Fhmw Otrgs. Far eadn blRq period that
e M1rtm deter • ntYimm
your account Is wiiect to
recd F244NCEdhCeltf?AadrKeisEttlotfkn0gc.6o veal bbeppkYntp?ord. If the
total finance from the Periodic ram(s) Is than eO60, vv a vM subtract tMt
mount flan the 40.50 maimm and the diffore ree vM M
tilted ta eptadnsae se?rw? of yov accent.
td. Traprrthy R any Ran" Wh. We ro r M the
tiyd no net amems n rea atyr" M Arhroe charges for am/ t7vm
PeoplePC is eddy responsible for this offer, and is not alfAaled with Capital One. Capital One does not provide, endorse or
guarantee, and is not alAlsled with, any product or service alwwn here. Any trademarks mentioned herein are eddy owed by
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the company Nret provides this product - for example, that you are a capital One customer.
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commitment required for PwplePC Accelerated Monthto-Month pdcig with no ham commitment is $14.95 for PeoplePC
Accelerated; $9.95 for PeoplePC Onine wilhout accelerator technology. Offer evailable to new dakp subscribes at Imsl 18
years of age and may not be redeemed wrath any other offer. Offer subject to change at any time. Phone technical support
available for $1.95 per minute.
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internal service Actors! rtsub may very. Service net avelsble in all areas. Access fees, taws and other fees ant restrictions
may apply. Phone technical support available for $1.95 per minute. For quedbA call tot-free at 1.888-5TRYNOW.
CM PeopePc Inc. PeoplePC Odes and hie Peo*K Logo are registered badenarks of PeoplePC, Inc. Tradernarks are
propeaes of their respective owners. NI Rob Reserved.
Service not available in al area. Access fees, taxes, and other tees end restrictions may apply Telephone tog charges may
apply, even during trial periods. You are responsible for ddaMning whether a cal to one of our access numbers will result in
telephone tog charges. Access may be limited, especially during fares of peak usage. ad-up members may be charged at
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Agreement and Acceptable Use Policy. 56K is the maximum speed of service; actual speed may vary.
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U.S. and other countries
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hitting pmlotl covered by lints statement, we use Fro
beginning balance of each segnhan each day, add any new
transactions to asdr segment and subtract any pymems
or credits. (if the coda N appa+n m the imm of Ws
statement near to 'BYanco Pam Applied To,' we also
subtract any uwrfdd ananos charge Included in the balance
a
of each -"MGM. lfnan, vile am up.,all the This gives us the dally balance of each
W by the mbsr of dent assns pa. This g st
hma us the
a duly bdan..r of each segment.
3. Ara.sl it"
Raise (APPi.
a. The Form 'Men! Pe1CMltege Pate' may appear as
APP" «h she from of this rtatrment.
b. If the code P (Prime), L 43-mho. UBOR), C (Certificate of
OePod11, « S (Bratcand Prime) appears ah the bad of
tli stat rod to the periods mes(s), the periodic
rates and ANNUAL PERCBRAOE RATES
may wry gArm may increase "deorsase based
on the stated odor, as tared in The Wag Sarmt
.!corral, Ptue tM maaDn =cta ly disclosed to you
These dtrga? vAl be ve - ere sort day of your
bike period covered by yea Peioic KKarem wv*V
c. It the code u tYDmel, v il- LF-M OF V -mw.
UWR Repriced MOW" appeam on the hunt of yea
statement red to yne padodc mt*' the oedodc rat"
ant "oahd? ANaIAL PERCEMAGE TES may
wry mamliy ndmay inerom « dec.- based o t the
sated hdieem, " land h TM Waa Sheaf Jann4 plus
the mebn preMasly die lamed to you. These car gee
VA to effectlw on the amt d+Y of yaw blhhp POW
each month.
4. Afawres of I" Ovarlrhna and Rruenad payment I-.
You seed" via be areeaed no mom then two of the m"
listed hem that oceu during any being period. Under the
dgbt to
teams of you customer pme.ern, - Fees- the
wave or not to arse" any face wlthou Prior -dae"en to
=w- walWg ou light to assess the same or dmNar
ter time.
b. Yrr front of If a membership o tea
u Mw 30
appears an 1M horn this statement,
days horn stem is ht was eared to you to
avoid payhV ne the fee F haw such fee crodited to you
of you cra yam account. to to haw ant weyocent. During W. s period, were. you may
canmam m od ore Yoe account hating to Pay ye
memyus hiby fee. To caned you account, you roust ut
and fwuyboyaW ONew Balance' in full (excluding to
mamDatwp me) prior to the and of the thirty day period.
8. N You came Your Ar,r,eKl. You can mWw to dorm
=account by ca" our Customer Relations
and
-cound em. Ycu must ,annoy your cnediF Fixed d billing,
accent souse checks, u r,cd as You n billing,
cnh
and caarm your accedant. If you 6. i not
corrider
preautirmized
receipt amargemants, we. w(a do
receipt of of a a charge your autlerizatlan to reopen your
account. Addtl eroay, your account veil not be dosed
until Vw pay an amo nm you owe u indudng: any
=7=1t ve zed, charges, peer
roes, rammed DFrMern fees, dash
advance fees and any atlter des aasos ar to you
eccorrs. You are reaporWble for these Far Ounce wiaaher
they appear on your aceaan at the time you recluse, to
duos the attar[ " d" an Incurred subsequent to
your fKrest m doea the accoud. TNs may result In
ehamer anneadro on -, account after you have
acman if it has already been dosed. For example,
if you Mhorizsd a pudnae from a mKdwx and ws
mestve the transaction flan the nnerdhent after Ysur
at couw has been eloaed, ymu aecont veal be neopared,
the sleet of the drrQa_wi be added m your accoua,
and yyowu ve?al be rsgarwe for psyrrwu. If them b e
merreralip fee for your arrant, the fos we cansinae
m be dutbirre Irrmd, m the been MPpanittetl by mw, tad! w.
aocaw Yd in flit as dented above.
7.Ui? Year Ar,ws. sch cad" Account canna be
uedfh rn.hsdlon web any interne[ gemWktg
trarroarctions.
8. NMI. About F7aeYai clralr carwYat When you
u s*k!`k: dm ban your dreeot to make a ahrtkro m
door= ars, ssapda transfer rrar horn V" bw* aamtm «m When -
use Whmnrrtlafrom yyoou . check dMtlt to ms 4 de ctio is
fund trader, soda may be haitldravn from you bank
account as rot se the same day we receive you
anad == mesiw you check back from
BIWNG RIGHTS SUMMARY
(tin case of Emom Or cuesdote About Year Bag
it you dr" your bill te wrap, or If you reed more
a
Infomatlon on a trarreetim or bill, vents to u on
sepemm sheet as soon as l; 11 at the address for
=11" ef. on the tmnt of this Katement. We must
hear from you ro m" =m" 80 days after we From you the
amt ion ca%ch ye problem appeared. You can
call cut, Customer Relations number, but doing so wig net
preserve your right, In you terms, give u the Idlowlrg
fobmatlem you name and account nubs, IM dollar
amount of she suspected arror, a description of the error
and an ngaanation, if pose- , Kwfhy you behave there is
an Favor: or if you teed mom Information. a dreripthon of
the hem you am urea stout. Youvdoogottlhave to pay arry
mourd
vuo
es It
but are etch In tad tout pens khof your Wf that ace not
In gtmdoo. WNb ve ynvenlgsle you wo umet
report yeu ere =:x, m "rotor any l0 cdect the
"oast you qustlon.
4,t Species Rule For Credit Card RachaM
If you haw a pFdA= with the quality of Property or
rmMoes yet you yhh a credit cad and you
Mw tiled h tattle ta coarser. ye problem v4th the
merchant, you may haw the sighs net to pay the mmaltig
amain due on the prapeFly or services. You haw this
pmtaetlenanad M,-== - psipe was more yen OF
se of f rnada
v"in hNn too mim your malfrg oddayour home Kam er. (If vve awn or
spares the merchant, or if we. marled. you the
advetternant for the property or seo sir. al Purchases
are coveted ropeMerm arm or toraym of purcheaeJ
Please rememhar ta elfin al corresponds-
t Does not aONy to mnsrtmar non-cm& wet accounts
t Does rot apply to burl sat ron-credit cord "corons
privacy protection: ave our
red service mark of Capital
ma reserved. s 2003
o1113LBAK
2. Average Way listener, 1 Now Prdw 1.
a, Finance chargo is cstaiKad by KUrlply1rg the daily
balance of each segment of You account (e.g., cash
advance, pucaae, special card", and epedst pudhaae)
p daily peatedic M&W that has been
by 1M cor
pmWo rely Aidor,sdf OF you At to and of each day AaGq
the bMkq peried, we apply the stag pamAa me for each
eeQ,ternr d' yen axaatt m tlr bdmcs Of sKh
Frborno t Than K the end of Ace period we. add w
Use reerior ors:f tlerm daily calculations m arrive K
maim from bach dr sagment m arrive, at tow periodic
thanes drags for your arrant To OK du deny hstence
for each segment of you accost, we take do br,?a?w
balance d for e dpeoadiche ? Ladd wry row n the ey eaam calculated a
days balrra for dot sagr ass. We then subtract any
to Uuse mor - ere. This gjw Fare tiro separate daily belel
for "din ssgrrent of you a..a," Hawawr, If you Daid the
hbw Belehce slhovrn - yar prevfole rrmanrm h aril ("
If you new be enc a wee zero or a credit smmas), raw
trerwYforo vvlich poor ta you purchase or special
purchase ssgnants am not added to the dally b lances. We
caloisoe the & m cep dsly bstanc?e by adding so the duly
bslehces tog alas and tividig the rm by to reenter of
the days h the anal bMV cycle. To calculate you total
enhance drrye, narthpfy Y%awsmge ddy Wlohce, by the
pr tare ma.lkg on a daily bawsf thdays In the em trey bbe e?
eight wcrhr-rqe between this calculation end the amount of
6. If the c c Z scasly a arode la or N appaem iereretl.
ye. from of this statement
_
race ta'Bdroe Raw Applied To: we. multiply the
12951S
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.
saa
Capital0ne
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.
l 9W1101
Capifa1CW PLATINUM VISA ACCOUNT MAY 16 - JUN 15, 2003
4862-3623-2057-3515 Page 2 of 2
Account Summary 29 it JUN FRAUD ADJUSTMENT - PURCHASE 14.75
30 11 JUN FRAUD ADJUSTMENT - PURCHASE 59.89
Balance
Previous Balance ??
31 11JUN FRAUD ADJUSTMENT - PURCHASE
55
redits and Adjustments
Paym f 2 11 JUN FRAUD ADJUSTMENT - PURCHASE 27.
3
Transactions 7?9 33 11 JUN FRAUD ADJUSTMENT - PURCHASE 31.98
Finance Charges 6.pp 34 15 JUN PAYMENT PROTECTION 1-888-527-6904 3.44
New Balance
Minimum Amount Due $390.02
$11.00
Thank you for enrolling to CaSital One's Payment Protection Plan. Your premium will be conveniently billed
d
b
l
If
h
i
Payment Due Date July 15, 2003 ons
ance.
you
ave any quest
ing account
a
to your Capital One credit car based on your month-en
please call the customer service number listed above in the transactions section of your statement
Total Credit Line
Total Available Credit $500
$109.98
As a valued Capital One customer we want you to know that your account number has changed' After you
Credit Line for Cash $500 activate your new card, you will need to give your new account number to those merchants with whom you
Available Credit for Cash $109.99 have set up automatic billing. This will ensure that the payments you have arranged will continue to be billed
directly to your Capital One card, saving you time and money on postage. Once again, thank you for choosing
Capital One.
At your service
To aU Customer Relations or to report a lint or eAm m&-
1-NO-955-7070
For fm online -ant serrta and special outcmer Zen, log on to:
www.npitalona.com
Send pa7mmts to: Smd ingd is t.-
Attn: Remittance P-ening
Capital One Se.. Capital one sa ian
P.O. Boa 15147 P.O. Box 85015
Richmond, VA 13176 Richmond, VA 23285-5015
N
b
N
PLEASE RETURN PORTION BELOW WITH PAYMENT.
C 0-
--I ilwo a 0000000 0 4862362320573515 15 0390020000000011003
New Balance $390.02
Minimum Amount Due $11.00
Payment Due Date July 15, 2003
Total enclosed $
Account Number. 4862-3623-2057-3515
PGauprusea?ndcJdrsr? e-n?r?,e?roa.a?sr ararat*i?
So- Apr. /
City Sure ZIP
Home Pb- Altemsu Phone
Z-dAddme
Capital One Bank
P.O. Box 85147
Richmond, VA 23276
#9016645608401514# MAIL ID NUMBER
MANDI MILLER
177 OAKHILL RD
CARLISLE PA 17013-8929
Pleare writeyo o nt number on your &W a mmmy mdn wade fayab1e to Capital OwB=h and mail in the endared envdom
CapitalCW
what's in your wallet?"
The steps to maintain your good credit am provided by Capital One. In conjunction rdth Consumer Action (www.coraumer dlomorgi.
O soot Captal One Services, Inc Capita( One is n federally registered service mark. NI rights reserved.
aaaaaal
aaata?
aaaaa?
ti
ti
aaaaaar
S
129515
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 l5) 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.
CM ~77w-
• Employers check credit references before hiring new people.
• Banks and leasing companies often base the interest rate they offer you on your credit rating.
• AchieNing life goals such as buying a new car or owning your own home are facilitated by good credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
002
002-1001
CapitalQW
Account S
Previous Balance $390.02
Payments, Credits and Adjustments $.00
Transactions $178.79
Finance Charges $7.46
New Balance $57627
Minimum Amount Due $7627
Payment Due Date August 15, 2003
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
Atyourservice
To tali C,Mama Rehtiona w to report a lw or stolm cad:
1-800-955-7070
For free online -int service and sp6cw customs offem, log on to:
www.npitalone.com
Sind proems to: Sind lnquida to:
Attn: Remittance Prorosing
Capital One S-im CaPiw One Semen
P.O. Box 85147 P.O. Bo: 85015
R16.-d, VA 21276 Richmond, VA 23285-5015
Important Account Information
Did you know that you can pay offyour other cud balances by
using our balance transfer program? You can use our balance
transfer program to transfer credit ruds, department store and
gas cards, student loans, personal toads or even auto loans up
to your available credit limit Just call the number on the back
of your card.
PLATINUM VISA ACCOUNT JUN 16 - JUL 15, 2003
4862-3623-2057-3515 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 01 JUL CARLISLE STEAKHOUSE CARLISLE PA $4.39
2 01 JUL KMART 00077461 CARLISLE PA 16.90
3 01 JUL FASHION BUG #3587 CARLISLE PA 7.48
4 02 JUL CARLISLE STEAKHOUSE CARLISLE PA 2.11
5 02 JUL PIZZA HUT 1006 CARLISLE PA 26.87
6 03 JUL 0263 SHEETZ 00002634 CARLISLE PA 14.28
7 03 JUL HOLIDAY HAIR INC # 315 CARLISLE PA 44.00
8 o4 JUL OVERLIMIT FEE 29.00
9 15 JUL PAST DUE FEE 29.00
10 15 JUL PAYMENT PROTECTION 1-888-527-6904 4.76
You were assessed a past due fee of $29.00 on 07/15/2003 because your minimum payment was not
received by the d ue date of 07115/2003. 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 Pharr tee reverierr
kfir important infffmattr
oonn
Rd-e rink +
.
s
Pena;' Com
?` ?
gopfrdta lilr
AP
rde R
PURCHASES $458.08 .05425% 19.80% $7.46
CASH $.00 .05425% 19.80% $.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
Capita1ow 0000000 0 4862362320573515 15 0576270000000076271
New Balance $57627
Minimum Amount Due $7627
Payment Due Due August 15, 2003
Total enclosed $ l
Account Number. 4862-3623-2057-3515
Pkaap.iat araif daJdeua rma?oSmrarr bd aAgKw K.4i k
skue Apt #
aty S.W ZIP
Home Pyre Alwam Phone
PmsilAdd-
#9019745608401519# MAIL ID NUMBER
Capital One Bank m MANDI MILLER
P.O. Box 85147 irlnlultlult??utll ,., 177 OAKHILL RD
Richmond, VA 23276 CARLISLE PA 17013-8929
LdtltrlLrrLUrttIrlLJLrdlrttlltrrlLnl6ul6rtllIII Lrdlhrrlll...... LLr1r61ttrddLLJrtdLrdJLd
Poore witeym amount number m ymv dmd or money order made payable to Capital One Bank and mail in 11m cnrlwed envelope.
r
aNah?
O i
o t
? I
1. H- To Avoid A Fb-. Charge.
t a. erase Paried. You .111 have a minimum grace pedod of
26 dap vAdau fiance things an new phrdrs w, new
balance tramderseyrow special purchases and rew other
chargea If acconl? witln thee your told 'Nev" Impestam N Bedew a bb.,
sotanars
and in dire for it to be credited by your, rnow
closing s %dew Them Is no ort, cash
el awwra. In = 1. gsce period
on any trara.non if you do not
pay the tarr'New
GWra'
b. Aa..Ang Fblree Chrga. Twn ..dare vvli h am not
dn?Um date of-the trarn.acUornfrorrh awe ;d.-
va saCrlon is procured to you Account or 3) from the
amt cslorda day of the aurora bEw period. AdditlaWly,
IIfiyahup did not pay the 'Nave Sdree from the prevlue P-W balance uifil the u ?pdd ? Is paid In ful
yo your unpaid l.
This wear that you cry tt7 owe finance charges, even if
you pad she amen New adrnn Id-tad on do from of
you steremers by the raw statemem: closing data, but did
not do so ter the previous nmMh. Urlpdd Mw dergas
am added to tl aaprsaa a gist Aorara.
t c. hamhbraas Fimrea car . aacll clang pedod Out
gist account M sue)ect to a finance charge, ¦ wIr&r an
tool FNMCE G14103E of $0.60 Will be Imposed If the
told 1lnarnra Wrpe randdr from Urea of your
amours Imm the 40 dmminlea n?60and the dffe veto, vA be
Weed m tha pudeas of yon account.
t d. Tea parry Raduatirh F? C=: We reserve fie
dgint l hood- any or M fl- capes for ary Oven
2. Average Dag(r Wrw IYwtdng Naw Prdsomal.
a. Finance surge is calWated 6y nnidpt*V the daily
balance of each eapraa of your account (e.., cash
advanco, phadeas, special transfer, and .pedal purchase)
by the p daily periodic rae(d that has been
pmriaaly didosed to you At the and of each day dkalq
de 6M4hN period, we apply the daily pebdc rote or
each
sa0ra. a your accent m the balarnee of each
the rani. of nd sites eduly crs?tlats to r live at yuap ? h-0 for soch We r
==;d'
?ae{je% ad s. rho tad periodic
for gist aloaaa. To got the denyy balanoe
for each sepmem of pv acmurs, we take tha beglriq
balance for each seg era and add ny row rerwedar
and
by t for finance chargae W calculated on the .brad rphayNae
P.Ymrama a credit* hosed as of art by diet .m alorared
m that regatta. This gives u the soparam cony balarmce
j::4 M sapoaa a you aashM. Fhovvever, If you the
Belrnos shown nm Your pmvlaa atatarmen[ In («
It ywr row balance ores zee a a credit mane, now
traarctbro wbl h pea m you prdhase a special
- not added m the doity balances. We
ea oia?te fell
average dsly bYirnmby addinl dV
bslaress together and taNdirnl the am by 1. r.srrber of
Wlkmg covered by this statement, vro take the
behaves of each sewman each day, add my new
traroactiorn to aadh 88ro H and rbU d any ymems
« credits. at the code N appears an tM from of this
s e nom next to 'Balanoe Rate Applied To: we rise
subtract arty ulpsid fmtce charge YrAtlsd in tha balance
of each segnem.l This gives u tha tidy baWloe of each
sepnmt. Then, vas add up all the dslyy Manses for each
sepne n for the MMV pealed and d1Nb by 0. WW
rsmGr of dsp In the bµq period. Thb glw u the
averar dally balce at each sepnert.
3. Amin Baeran (APRI•
a. The ism 'Annual Percemags Rate' may appear as
APR' w the free of ors statemaht
b. If the code P (Pdme), L (3-mo. 1.10010, C (Confiscate of
DeomM. or S Mmkcaid prime) apoeam on the from of
rates and eamaparhare ArafAL YkflttNI Alto M l l3
may vary q.nedy old may Increase or decease Geed
an the saved kdcas, as found in The Walt Street
Jisum( plus the margin ggaWy dhcosed to you
Than hull be ve m the 1111 day of your
'l0 =Downed by V. pedodic au trim[ atdrv
in Ums mambo Jrarsry, Apr1 ,h/y and October.
c. If the code D IPrkne), F (info. UBOW « 0 13-mo.
LIBOR Rwdcod Monthly) appears on the from of you
AAPE;MAOE AER c
c "a' ry
fonrld n` TThl wad deemose bond S &V& JaMeat, plus
any disclosed to you. Than changes
n the first day of your WNing period
4. Awnmra of Low, Ovrtkns and Rbffnd payment Few.
Your account vM be assesrd no more than tvo of the tees
listed haro the occur during any b1QkV period. Under the
tt... or your ..tamer egreanarn, we mrrve the right to
vinive or not to asseae any for vAthout prior notification to
yw without waiving our rightto aeeeas the same or similar
fees at s fetar timo.
6.7RrhwvArq tau AoaaM. If . nnariersnp in
appears an she tram of wa naemari, you ve 30
dap Iron dha date wa ratemem was m'.h o to you to
avoid payirq the fee or to have such too cradled to you
if you cancel your account. During this period, you may
comkate to 090M accarht witleut having m pay tha
membership foe. To cancel you account,
you rout
notify u by calling our Customer Relotiou Departmem
and =r 'New Balace' in full (excludrp the
.m fee) prior to the end of the thi"y pedod.
8. N You Cfeee Your A.-ot. You can request to dwe
yyo«uwr accent by calling our Glrmmer Relalorre
DepaM11%. You mhrt baroy your Credit card(s) and
exam caas daub, cerncal eel preaudertzed blNMg,
sed cease .kq yea axant. If you do not cancel
preauthalzed hilWtN amrmgmmamta, wa A comdder
receipt of a charge you authorization to mapm your
account. Additionally, your acc urn vAd not be closed
uml you pay al amounts you owe u Inducing: any
dugpa, pas
trammed" you have authorized, finance
due fw, ovadkNt tor, retuurhed payment for, rash
advance for and any ode fees arered ==4.
aoeant. Yw are responsible for truce a they appear an you rheum a tG tuna your rapes to
to
dour the
st ! to don the they acaremIncurred M. This In
your sp or dw
charges appearing an you scout oaet may ay result s you have
rr accoM it it has already been dosed For armple,
ou sutlerized a Ptremees fmm s nerdhas and we
reniw the trar.ct)m tram the merdhas after gist
account law been closed, your account Will be mope ed,
the amour of the ChorrrN??tsvA be added to Your accord,
Y? ee for your account, for payme". the fee It them co tin e
mbe=wduroe4P to the Meant psmdtted by law, until the
accourr balrhm hr been paid N full as defined above.
7.l?? Your Aeeaas.VOut cad or account caaet be
haedln corameerim rAth a4 rd gambling
e
8. . proIes . About "pie aChask nt, you ma bn. When either you
to
provide a inffamadm chock than your dmkt to make a ua-Uma
u
skmtxnric fund s n tra o1w from your bade account or to
process se ? Fort h?adon from your check to make an electronic
u
fund awarfer, find. may be vlddmwa from your bark
acoaM as oat as the seine dry" receive gist
Peprem, and you vdl not modw your desk b.ck from
you flrnarncd klMUttiarm.
BIWNO RKl{TS SUMMARY
fin Gee Of Ermm Or Ouestlora About Your 810
If you think your bill Is vvwng, or 11 you need more
Infer-sort on a trim-don or bill, wefe to u on a
=.to steel as roan as pwalne at the address for
irphiba sown on the from of wa stawa an. We mum
hew from you no later than 80 days after vas gem you tha
that bill on vv"ch the error «Pra6lem appeared. Vw can
can cur Gatorner Rdaeoal ntader, but doing so VAN not
preeerve yaw nigilta h your loran, Ova u tha idlovirhg
infoma t your space and ao:auu rumba, the ddmr
smarm of of the suspected error, a doseriptian of the error
and an etparoeon, it possible, avhy you believe thero is
an error; or If you rood mom Inform , a dwcdpdon of
the Gm you are uhsue about You do not have to pay my
mown M cueaNon vAns we am Investigating b, but you
are sad odfgsled to Pay the parts of your bill that am not
In quwdat YNib we knawl to you question, va carom
report You as deMhgrari or take any action to tolled the
seam you Westlon.
S,t special Rule For Credit Card Purdeaee
If you have a problem vith the quality of property or
servkas that you pulydused etdp a umdt cord and you
m have tried M you mfaith to arrted tG praise vdth lie
ry have the right not to pay the hp
mount oust aunl d, w an on the gapeny « services. You have this Wa
va9 more tGn
protection Daly v/ap d T=.
580.00 and the purMw wyour home Bute «
vdtfip 100 mass of Vaur maNbpg sddrasa (if %e own or
opmae Me marMem, or if vte mooedyou the
a for the property « as l ce., ai purchases
am covered m rder of amaM « keatim of purchase.)
Pleer remember to sigh all correspondence.
t Does not apply to cmuama con-credit card accounts
S Does mt •AAN m busiaaar mar-caeca cad accoums
One app onv infannation privacy protection: we our
at www. can.
One is a afy reOnsred *"ce mark of Capital
arldal OxImadon. NI done roved. a 2003
Orm 01LOLBAK
penod. cue m ranmp an a diary haw, mere rosy tm a
Oft ?verdlarlrpme Datvean and the atnomn of
h. If ee cob 7 a Nappeam an tG cant of Ws statement
now to •Boke Rae Applied To: we multiply the
2636S
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.
Ca?ft
• Employers check credit references before hiring new people.
• Banks and leasing companies often base the interest rate they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
002
002.1001
CapitalQW°
Account S
Previous Balance $57627
Payments, Credits and Adjustments $106.00
Transactions $33.44
Finance Charges $9.97
New Balance $513.68
Minimum Amount Due $15.00
Payment Due Date September 15, 2003
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
JUL 16 - AUG 15, 2003
Page 1 of 1
Payments, Credits and Adjustments
1 H AUG PAYMENT RECEIVED -THANK YOU $106.00-
Transactions
2 16 JUL OVERLIMIT FEE
3 15 AUG PAYMENT PROTECTION 1-888-527-6904
$29.00
4.44
At your service
To nB Customer Reladom or to report a lost or stoles cud:
1-800-955-7070
For free online account setvioe and pedal cwornes offer, log on to
v--pitalone.aom
Send pryrnesr to. Send inquiries to-
Am: Remitrnce Processing
Capital One Services Capital One Setvim
P.O. Box 85147 P.O. Box 85015
Rkh.ond, VA 23276 Riehmond, VA 23155-5015
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.
Finance Charges Pkxe ree reverie rids jn important information
F Balance. rah Pernda Cerr.»oadwg &A
+ ,yPtirdh ? R
fO PURCHASES $593.10 .05425% 19.8096 $9.97
CASH $.00 .05425% 19.80% $.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
?pjQa 0000000 0 4862362320573515 15 0513680106000015005
New Balance $513.68
Minimum Amount Due $15.00
Payment Due Date September 15, 2003
Total enclosed $ 1 -1
Account Number. 4862-3623-1057-3515
Pt.as.PrGat er'ir.z A6-a-A klow ra;V M.,.stark-k
sft et Apt R
cily Srace ZIP
Home Phone Altamte Phone
#9022845608401512# MAIL ID NUMBER
Capital One Bank ° . MANDI MILLER
P.O. Box 85147 It'ululrlr'rltlu'tf ,., 177 OAKHILL RD
Richmond, VA 23276 CARLISLE PA 17013-8929
iulslnl'sultllnrls?luilnr?lnrllusl'utllurl'nr'Isu' ° s ?nr???utl??nnn??u??t?u?s?s?uu?t??r?u?ut??ut?t??ul
Pleare witeyo atrount namber on yore dwi of money order mode payable to CapfalOne Bank and mail in the endured envelope.
F
r
O
n
b
will hew a mWmun grace period of
rwroe Mops m row puaWrs, row
row epotld purhaaas and rrw oAbr
year totY 'Now Balance', in
U Ntportao[ Notice for psymaus below,
??eg dal tmcetns. h adddone a gram period
m mY vareeafm if you do rot pay the mrsl 'Nave
ppeerode rate. To obtain the awra" daily belance for the
d7Np Period cewred by ti ==,Z uke the
beprwq balance of each sad. add and new
vanreetar m oast satiwrt and subtract arty ymttM
or credo. (N the code N appurs on the trait o1?tHe
statement next m'fidana Rate Appled To: we also
subtract arty tsvdd Schnee Marge iduded l fhb balace
of each ) This ghee u th Wcs o1 each
?MWq pswaod?at the deNdeyify b dNde amid the samba of days N 1M hWrrg period The elves u the
average ddly belerce of each eepnmht.
asst vaeaier0a Rdae (APRL
The term APR' ' the ot afar eornt of die start e Rate' may appear as
on amem.
If the code P IPriroH, L (3-mo. LIBOR), C (Cartlacate of
Depose), a S dWrheend Prime) appears on the from of
ifle atateltlerlt and to the periodic eamW, the pedafC
rata and arrayon:2 Al1AlAL PIT011AOE RATES
may yard gusnedy may kcrem or decreer based
or trs sated Ndoea, as land in TM Wall Scat
?anW, pus She maryN wsNanly dstloaed m you
Thar yip W w m the Anst day of your
b(Ainp cowrod by.ypr pModc_autanram ending
rata
are marpn DeetfateN dadoeed to you. Thar dranpes
will be elective m the Arm day of your bieNp period
each month.
4. Araanet of Leta, Overlaid and Rshsned Patmtet Far.
Your account will be armed no mom thin two of the taus
listed here that occur dung rimy baling period Under the
mums of your cunomer aproamem, we reserve the dpM to
wdw or rrat to oam arty fees Wtau arias rhotlflcatbn m
Wthau walylnp err right to erase the scree or smiler
you at s later Ume.
6. Your Aooerat If a membersip M
appam m the imn of tis aatamem, you haw 30
days from the time Ws statement was mailed to you to
avoid =the tee or to he" such %e cmdtad to you
if you arrcd Your accent. Durirp dis period, you may
cmlNue to use you scmutt without haNrrp to pay the
membemhip fee. To eared you atcorat, ycu must
notify u by clang our tLnamer Helat[ae Oepertmmt
and pay r'New Bderce• N fuss (aedudrq tee
me teea) prier to to and of the wtya.y period.
e. N you = Your Aoaorat. =,=
uartt atsatust by ceBNg err e
otpanntem. Ycu rout tlealroy you credt ard(s) and
SKE axm decks, anc?s all pmc ugedzed baling,
and cams your acmurt. It ycu do not mncd
pnauthorized amnpemots, we WI, corWdu
retest of a dares your auterizatim to reopen your
sawed. Addtlmapy, you account will rot be deed
u61 st amours acne. shy
tea e?tlm yyau Mw aWq zeod Merh?m duress, pest
due fees, owtFna fm, ntumed paymam ten, wh
advance tea and any Weer rea amend to You
aeeatrrt. You am reepaWhfe for then amosns wteter
flay a r m your accoun at the time you mWeer to
nor the accent a they am Incurred subsequent to
war ram" to dos the account. TNs may result in
Yov so -nl if k hr ekeedy been tloaed. For emnpb.
If you auMAxed a rr, fruits a n .F rd we
yerr
modve tie transaction from the madam aemnsapened,
arrant lea been dosed, yar srcaar[ wi be
the amount of she Z m added to your exert,
and 1y'?cuvAn be to= to payawt. ff awe e a
memberrip fa for yor atasaat, the fns wi xrttae
m be duped, m the ermsd pormitted by eve, urea the
axaat balarrs has bean paid N Ai r cleaned above
.
7. Using You Aamut.Yenr east or amour carrot be
used in connection with any NteahM grnbprp
trarraetiorha.
8. IiAiss llhert ElaaeartN Cheek Cerwersiet. When you
prodda a dent a payment, you aWroAZS u dtler ro
use Nfortnad. hen yor break m tceMs a an *-
dedmic fund traveler rrem yar balk acceu ernm
prxeea the peymem w a deck traheraen Whhe we
lee inmrmaam frerdl ypr dMek m maim art eeetfdhle
rust tnaterar, bade maybe Wtdraww fran your bank
arsou t r sore a are same My we taedw yar
yaM rsedva You aback back rrom
BIWNG RIGHTS SUMMARY
IN Car Of Event Or Ghsdoce About Your 810
If you thkrkmyour bill Is wrorp, or it wa ycust neoed mare
Infamatlon a v aresdlm a hip, u on
a
hear seperata sheet a eoorh a goals at tM addroa iar
tram y
=:O ou roes Umadays after we sour you the
ant bill m Wish Papparod. Y rare
peprmre rorurwr cu tams Rdaaa a unless, hu dung r z nor
intamatlerc pur?rume a?M accamdtlm
annum of the auyecmd error, a descapam of ere error
and an npfaceam, 11 Pmihle, ofWry you bopave there la
an error; or if you need muse Nemutlan, a description of
the item you aro moue abets. You do not have ro pay any
amount N queetim Wile we aro Nwstlgrlq k, but you
ere ON obit red to pay ere pans of you NNlff that ere not
In question, a we Invatipsu your grratlm, we asset
Zoe you as delrquwt or mite any anion to cdtscs the
amour You quespm.
1,t Special Rule For Credit Card Purchases
It You hew • prdiem whh tie quWty of property or
soMcea that Ycu ptsdtseed vMh a sect urn and you
haw tiled =,I,
rect The preblan Wth the
memham, hew the ript nn m pay the remaWng
arrant rite m Ube progeny a rMma. You tie
pmadlan elan the pashas price was how man thin
860.00 and purtlese was mole in your home state or
whin 100 miles of your mag Z. if we own or
operate the merdem, or if we
mailed you the
advertlssnsem Ta the property o rMces, a1 Wrcescs
an cowed regadm of arrant o loratim of purchase.)
Plar ranmiber to sigh all mmapadence.
t Doan ref apply to oatattrox ttorterodb card accounts
i Does rot apply to b.W-as nm,cradit card --ft
Om atpporta Nlamatim Privacy promWan: m ou
at www. ene.ean.
Om Is a aAY repatered aervfm mark of Cadtal
b. Aasrrip Fkteea tluga. Trareactlerr whkh aro mt
¦blect m a V+ce period am arrrd Mwtm charge 11
from err Moe of tlr trarrsctiat o 2) hem tr Mat dr
=action Is processed to yar Account or 3) from the
Amt nWtdsr My of the tarnert balky psrfod AtldtaWly,
if you rib rot pay tie 'New Balace =6%W=.
bring period N fry, Anames damps yar apsW balres IrtY the uhpdd bdarce Is
pad N M.
This maro that you rosyY atAl owe lkwcs tlerpa, even if
you p.y rho ertiro lbw Reface Ndeated m the trot of
Yoe sremmerit by to mop surer tent ofoakq dare, bus did
that dD r for to growers rHO11Uc lkhpdd Arwcs degas
am added m the sayrtert of yor Amused.
t c. kiitaat Fitaes .Far each hArnp period thst
yew scoaau a to a anece carpe, a ntNNaart
total arwtm Chem. re EE of $0.50 h? be lrr otlac?d It she
petlodc Islam t 10.60, ub1r x will arrasent ? 00.60 minlrourn and the ?i be
hied m to rwrdrse ae?wrt of aextnc
t d.
d9tt to to not RssM{ erer r any N or Hassan all finance ncne da.rsWergea ro forr sn:7Vd` them
rqr rndL
2. s v= = iahame I aNakrdrsz fMw Paahaa). Finance Cho is _ Nil y mdtipying the
? of 9 of your tazoount (spen daily
d puler)
by the rarapahdrq dWy,etude dof that has been
pmNOnely dadoasd ro you. At the and of act day dwlnp
der help mr , we eppfy the chilly Period. rate er ach
fegaent of yar acquit m th kdarae of sect
saom *M add
e W a?f Oat and-of
the Astbro m? at Your ?
th
rsalrs fran esdt-aep alit tto a ard?tlie LoW pat Aetla
&wrce delve for Votr sorant. To pet the day bdarce
=.-h or each yerr apavr, we take the bepmwp
fpaeAsoadseh &seYrwtt arty know. transactions
Myer balarrs for diet sphere. ceWeeoris a
payments or endrs posted a of that day dart ..%-.d
m trt sepnert. This pws u disc aaparom neey bolrce
51:= otof m arrant. Flovmver, If you pad rho
your pevo r wtmtatt N fiI (a
It your new belrtm was zoo or • oedt artouW, now
varrsnctose w eWicklest to your=m pnadhre a spend 11.
-101dsaoea d. twerage d__ yy om a=by thesill " daily
. balances tapdfw std rFndrrp the sun number of
to Mys N the ortanrt bahp. oyde. To calculate
yar meal
Areatooo!deraarrgs, muldiol, yo? average dally beloce by
nos she
ua m mMrp m?i clad 4.4 Ut sbimy lo g
sApt wdonce beuaem this calculation and the snout of
Arwce Ursrpe aeaWV seemed
b. Ii tr cods Z o N appam m Are from
multiply anert
rw¢ m •Balsrhm Rae Appaed To: we the
6130T
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.
• Employers check credit references before hiring new people.
• Banks and leasing companies often base the interest rate they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by goad credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
002
002-1001
CapHaIGW
Account
Previous Balance $513.68
Payments, Credits and Adjustments $AO
Transactions $62.83
Finance Charges $8.73
New Balance $585.24
Minimum Amount Due $85.24
Payment Due Date October 15, 2003
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
AUG 16 - SEP 15, 2003
Page 1 of 1
Payments, Credits and Adjustments
Your scheduled payment has not been received. Please remit the amount due appearing on this statement If
you have already made your payment, please accept our thanks.
Transactions
1 1S SEP OVERLIMIT FEE
2 1$ SEP PAST DUE FEE
3 IS SEP PAYMENT PROTECTION 1-888-527-6904
Total Credit Line $500
Total Available Credit $.00 Families EARNING INCOMES UP TO $36,000 per year or more may be eligible for low-cost or free
Credit Line for Cash $500 health care coverage FOR THEIR UNINSURED CHILDREN. If you or someone you know has a
Available Credit for Cash $.00 child without health insurance, call toll free 1-877-KIDS-NOW for information about the low-cost
or free health care coverage programs in your state.
At your service
To nIl Customer Rdatiow or to report a tat or it" and
1-800-955-7070
For free online a aat>e<vim and special automer offer, log on to:
v .Mpnalone.com
Send paymenb I. Send 1.qlkia W.
Attn: Rem&tanee Ping
Capital One Semen C*W One Serriea
P.O. Box 85147 P.O. Box SSOIS
Richmond, VA 23276 Richmond, VA 23285-5015
Save money on interest, every day! Transfer your higher-interest-rate credit card and loan
balances to your Capital One card. You can save more money, spend leas time paying all those
separate bills and enjoy seeing one payment actually make a difference on the balances you
transfer. You can transfer almost an of credit card or loan balance - as long as it has an
account number. So all our TraosEer Specialists anytime, toll free, at 1-800-955-7070 to start saving!
You were assessed a past due fee of $29.00 on 09/15/2003 because your minimum payment was not
received by the due date of 09/15/2003. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
$29.00
29.00
4.83
Important Account Informirton
Did You Know? Capital One offers more than just credit card
products. With more than 45 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.
Finance Charges Pleatetee reverierick for important information
Bd-d' P";.z. C-1511111
m #W& rah
m PURCHASES $518.81 .05425% 19.80% $8.73
CASH 8.00 .05425% 19.80% 8.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
Qwlta/G?we 0000000 0 4862362320573515 15 0585240106000085248
New Balance $585.24
Minimum Amount Due $85.24
Payment Due Date October 15, 2003
Total enclosed $
Account Number: 4862-3623-2057-3515
Ptearcprira-nh'agaa-a d c+a d9 ger k,&. .C;f orR kn.k
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Cary Sure ZIP
Home Phone Alta to Phone
F dAddr-
#9025945608401517# MAIL ID NUMBER
Capital One Bank MANDI MILLER
PO. Box 85147 177 OAKHILL RD
r n u r u n i t a
R . ichmond, VA 23276 m CARLISLE PA 17013-8929
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Financial difficulties?
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3o days past due.
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what's in your wa/190-
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O 2003 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. 041-0303
Capital QWa
Account S
Previous Balance $585.24
Payments, Credits and Adjustments S.00
Transactions ;63.47
Finance Charges ;10.08
New Balance $658.79
Minimum Amount Due ;158.79
Payment Due Date November 15, 2003
Total Credit Line ;500
Total Available Credit $.00
Credit Line for Cash ;500
Available Credit for Cash $.00
At your service
To can Cwtomer R&dotn oc to report a last or stolen estd:
1-800-955-7070
For free online ecovant srrm and special automer offers, log on to:
w .npiwonecom
Send partnents m: Send i.qurie to:
Attn: Remittartce Proeasing
Capital One Services Capital One sevian
P.O. Box 85147 P.O. Box 85015
Richmond, VA 21276 Richmond, VA 23285-5015
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
SEP 16 - OCT 15, 2003
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 16 SEP OVERLIMIT FEE ;29.00
2 15 OCT PAST DUE FEE 29.00
3 15 OCT PAYMENT PROTECTION 1-888-527-6904 5.47
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
orders will be processed between January 15 and February 29, 2004.
Families in PA EARNING INCOMES UP TO $43,240 per year maybe eligible for low-cost or free
health tare coverage FOR THEIR UNINSURED CHILDREN. If you or someone you know has a
child without health insurance, tall toll free 1-877-KIDS-NOW for information about the low-cost
or Gee health care coverage programs in PA.
You were assessed a past due fee of $29.00 on 10/1512003 because your minimum payment was not
received by the due slate of 10/15/2003. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Important Account Information
Cast your vote on capitalonebowl.com to help select the
National Mascot of the Year from the 12 finalists, and be sure
to tune in to ABC college football, ESPN, and ESPN2 to see
this year's mascot commercials! This pars winner will be
announced during the Capital One Bowl, which airs on ABC
at 1:00p.m. ET on January 1st.
Finance Charges Pkare av rmermsiddee fir important information
Balantr Me Perisdir CariAP ?` ???
afff dro rmr R
n
fD PURCHASES $619.09 .05425% 19 80
.% $10.08
CASH - $.00 .05425% 19.80% 11.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
Qw"Owl 0000000 0 4862362320573515 15 0658790106000158790
New Balance $658.79
Minimum Amount Due ;158.79
Payment Due Date November 15, 2003
Total enclosed ; 1 :1
Account Number. 4862-3623-2057-3515
9o-
City a.. ZIP
H- ?I- Alternate Phone
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FmdAddrca
#9028945608401514# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 Islululluulllslt,? 177 OAKHILL RD
Richmond, VA 23276 t` !!? CARLISLE PA 17013-8929
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maLW
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Joumr, plus the marghsmetlw on provnWy disclosed to you.
These tlwge? wi be tae day of your
hlllkq pwlol "erred by yar pwlodk nnenrnt erring
In t momtr Janrry, Apll, Joyy and October.
c. If the code D (Pdme), F 11 -mm. L1BOR) .0(3-m0.
LIBOR RepricedtMwnNy) eppeiro e t hors of nor
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and comspa,dm ANNUAL PFRCENI`AGE RATES may
wry monWy may k,ereaso or decrease based m to
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t meryln pre y dscbsed to you. These changes
wW ba efnctiw m t A. day n your blakng period
each month.
4. Aam sent of Lat., Overamk and Rseanad ==Fe=
Your account will be aseessed no more am listed hero
tends of your t occur t[ acau duriring any blgN,g period. Under the
r during army bi Was ,stir" t sigh t0
wdw a rrt to "moss arry team
Nl Nitl,on pprior rmsdacatlen to
thout wal;kq our right to asa.e1he samewdmllar
., • rater Ums.
6. swing Y-Aasrat. . If ? membsrdip fa.
appamro on t irom of this natanmernt, you he" 30
days from the data iNa atatement was :aped to you to
avid Payk,g that fee or to low such is credted m you
if You comaeI Y+t+ aeeant. Oudrq 1Na period, you may
comae to ire now eccanat whih10111 hMo t pay t
msmbanMlp tee. To a, your accent, you mum
notify us by ,:sigma ourcom(astern" Relatlaro DePartmem
and
Trig, Balance' N 11a (exdtdrq t
memberdip nor) Prior [o t end of the tNnyday pedod.
S. N Yau CI.N Yw Aaaaat. You cm requmt to done
yyoauurr aocwnt by caukq our t'artwnar lbladon
Dep+rtmem. You mum d.troy your credit cordial and
accwnt -coati Medu, oamCd all pmauawdzed billing,
=1"'= ecosm. N you M not unnoel
ad mr,pemsnn, era will eoruidar
receipt of a charge your authorization toreopen your
eccsant. Adrlldamn You secant vi9 nol be cl.ed
isms you par as Nnorru you awe us knMldng: any
tre?W 7 yol hew atdbdzed, hnernce dmarg., pan
due 1.s, wd.I ram, ronrmad Payment net, .eh
advance nea and arty "her team assessed to your
eeeaan. You :re resprWble ter use amonta whether
they appear on your accent at the time you roweat to
dose the eccoom or they am knarred st"egusrnt to
wu roam to dose the avant. This may result In
yar account If k Ire eAeady
roWw the has tbeen been rdased. For example,
if you the tea d a plunders from a nrrdrrc rd we
nsaction Imm do matchore will after be your
amen rat: been doesd, your account ccotat wi be laoPer,ad,
00 amount: of trospWn?reppsl.wgl be added to your account,
membsiahlt ip fee for your eouflat u t,hies , ? will conIs a
tinue
to be draped, t t extant permitted by leer, u d! t
aocotes tierce ter been In AN N dented abDVa.
7. (byte Yw A°e es.Vaur Ntd or evert cannot be
N connection with any Internet gembikte
S. fktlN Abort FLsbaN° Clrsk lsrwaskr. When you
provide ¦ d'll. a p 1= ch cheyou a on ah)br to
are bdonn,ck to nuke a on t Or t
electrordC fund from your find transfer from your omit account w to
= -.tpa= N a drdt trruecibn. When we
we inlmaUO, hen your tlrek t make » ebevoric
had transfer, hnda may be vAMtrawo from your bw*
aeaotat N aeon, N t same day we read" ar
= and Iftatl tlm recd" your chock ybock from
WILLING RIGHTS SUMMARY
Ikon Case Of Eaton Or Oueadone About Your 841)
If you think your bW Is vaormg, or 11 you need more
Ini=sdon en s varoectlan w bill write to us on a
aeparan ahNt as amen as possible at the address for
inpttidam Irwn on She front of IN. out... We :rust
tear from you no later to 80 N1yaa after was emu you the
Am bill en which as error w problwn `t=.d. You neat
'At air Qacor e, Rdaiarr laallbal, bill ddrq a0 Nis not
ppe8eYfVO you ridrta. h your mats,, der us t fdbWng
nI fonr to I your mane and accent aanbn, t ddtar
amount oft error, a deec lido n at the amr
and an etplanatlon, ihla, of vhy you =hem u
an emr; w If you more Inform+UO,, a dNCdptlOn of
the tam you aro narue =.Y au do not hew n pay any
a dM etesdm NHb NNestigeirp It, but you
i e adq on. toP y the Pam o1 you hql that aro not
you or,, we cent
report You N delingnsn or V.4 ee n caaect the
Amount you question.
S.t Special Rue For Credit Card Purchases;
=Z: problem with t qudity n Property w
you whh a eredit eerd ant you
lrve tried - ,slim n corraa t p1o-- with the
merchant,
you may hew t r?,t rot to pry t remaldrp
amount due an the rly or .Me.. You low W as
gaanim mry when Ur plunders pI. was morn to
x60.00 ant Ur ptedrN wve made in your Imr mate w
operatvNdine100 tmhos n your mZ=-Y. own w
a nd 0 t, poror pi1s rtyso the
are covered for fort or senhcea, ore ptrdeaos
Please remember to oT signoras all oor eepwnde ice. at purchase.)
t foes raw apply to consumer ean-aadb emd aeewata
Y DNS roc apply to budaan ran-credo card acciumts
I On peors i tiprivacy protection: see u
es,cam.
Ora 1 I.s . a say radiated service wrv4 mark of Capital
IOn. CorParotian All We reserved, ° O2003
ILLOLBAK
anoint fiorr, t ?0.50 mklimm rW t difersto wal be
baled to the
purd,aee ae?nw?t of aoroutt.
td. Tarm sry RsAMfen In FL,arwa sores. Wo ra - the
right tp endot astir any w all III drryN for my oven
2. A?+Oa Daay Blobs 1~ New PuMNamI.
a. Rr,n,ca Marge b edw atad 6V mUtlPlNno t d+ih'
bdrne of stM aeymarc of your secatrt (e.p., rJeeh,
con.padrp din Pslodc nte(N?dttrt (w?bean?i )
previously disclosed to you. At sib std of eaM day dalnd
Z==,= y Ub dNy PaeaM
m the d+ay bdr,ce of NM
r"ww Than aat the and tt dean of th*!2pt ? n yadrd W
h esdl?sag ant to ardwaagn at the WA period odic the
==.- -,=-T eat t bdmca
ice for w each each segment and nd add Mid wo nko t rap
bdenoe MW now tlrractlorr
"M ppee?ode Awre d,n'ge uluxaated m to previous
day'lance fir that aegrnrt. We der, rbtrow ey
Paymrrm w credo posted am of dirt day tint aro a "ad
to tt asQnert. TN. Ow s us the seParne day bdmce
New d oh your accut ol' wwr, If yh peidot Statement If your now balree was zero or a credit amount), full
trrrectloro "lid, pen n ytmr pumirse er apedd
? amderabyt to tt ahoy ? e
balances topetl,s rd dvidrlg t arm by t ember of
to days In the cvnmt o Masan h,slnee singe, ===
sissy balrte by t
deav pedodc Is t tsmbw of d.ya in t WBng
Ps(nd Gus n mMrp th e idly baba, and g t may u a
?e tlarm e?eowiN . this nlwhetlm end amount of
b. If t Dods Z w N app aro m t front of this statement
nett m "ada,ce Ran Appbd To, was multiply the
87185
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. Phase allow at bast 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.
CapitalOne
• Employers check credit references before hiring new people.
• Banks and leasing companies often base the interest rate they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
O 2003 Capital One Services, Inc. Capital One Is a federally registered service mark. All rights reserved.
002
002.0803
Cap?talOwn
Account S
Previous Balance $658.79
Payments, Credits and Adjustments $85.2S
Tmnsa d.. $34.36
Finance Charges $10.22
New Balance $618.12
Minimum Amount Due $119.12
Payment Due Date December 15, 2003
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To nB Curtomu Relations of to report a lost or stolen cud:
1-800-955-7070
For free online aoeount cervix and speeul eutomer offer, log on to:
www.nphdone.xm
Send paymem s to. send inquiries to
Attn: Remidenx Processing
Capital One Services Capital One Senim
P.O. Box SS147 P.O. Box aso15
Rkhmond, VA 23276 Richmond, VA 232;5-5015
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
OCT 16 - NOV 15, 2003
Page 1 of 1
Payments, Credits and Adjustments
1 16 OCT PAYMENT RECEIVED - THANK YOU $85.25-
Transactions
2 %OCT OVERLIMIT FEE $29.00
3 15 NOV PAYMENT PROTECTION 1-888-527-6904 5.36
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 reaave your copy. All
orders will be processed between January 15 and February 29, 2004.
Finance Charge; Please ter rewiengdeafor important iaforraation
P
dre 1W,
PURCHASES $607.46 .05425% 19.80% $10.22
CASH $.00 .05425% 19.8096 i.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
One• 0000000 0 4862362320573515 15 0618120085250118124
New Balance $615.12
Minimum Amount Due $11&12
Payment Due Date December 15, 2003
Total enclosed $
Account Number. 4862-3623-2057-3515
Capital One Bank
P.O. Box 85147
Richmond, VA 23276
?IIII I11II111'1IIIIIII"III?III IIIIIIIIII'?1111?111'llllll llll
Pre?epi•tma;rar?r„?a,-m•ir?.,a?,?u oruar?i•t
Strat Apt M
Gy S.. ZIP
Home Phone Alwa aft Ph-
E.111 AdGm
#9032045608401517# MAIL ID NUMBER
MANDI MILLER
° 177 OAKHILL RD
® CARLISLE PA 17013-8929
o ? (lll?l'lll lull ll ll l'11IIIIIII I'Illillll'll'II II II II II IIIIIII'
Please wrifeyora• auount number oa yorv cloak or money order madepayable to Capitd One Bard andmail in !Jx enrlared envelope.
S
T
aaa?
O
N
ta. Ozaaa Period. You will haw -a mWrman grace period of
26 dM Mhho t Murry Barge m row puclaaa, row
halanoo Veneers, now special puduaea and now odor
dtaMM If you pry your tool -New Balance-, in
"" Importsm Notice 1- W tune foforr It m be ormiked by ynr wasmant
. , dam. Thereh ro grace period on rah a t-
W apedal transfers. In addict-' them 1. - grace perod
m cry trornasetim if you m not pay the total 'N-
belesr.'
pa. Transactions awassed
b. Aaambq Firrarnsa puperiod " 11riance charge 1)
=041F which are not
fogto rear -.- or 2) front the data the
trrrwillon Is processed to your Accours or 3) tram t
first calantsr my oft arrant bYYrp pa{od Adddarrly,
if__yywou 6d not pay t 'New Balrre from the
pmdotu
brsaq pmbd in AOI, firarn.o Wryer caakau M seance to
Your ushpald baleco until the uatpeid balance Is paid N full:
TNa mnearna that you may .0 ewe Menge Barges, even if
you pay t aMrs flew Bdenca kvilcomd m to from of
your statement by the rums otaterr o t closing mm, but did
not m - fort previous month. Unpold fin.rna one
are added te t aegrut of yam Accart.
to. human Flmm!mo Fa ach hkkq period that
pamdc .- h lea dart M. BO, we vtl elxreet t oh t
amour fart t 00.60 nnWrmm W t dfforents will ho
?f the doom N appppean an On frmrof hMt ? ?
aatemem rote m'Balarce Rate Applied To,' we also
sutra"' arty urpald finance Burge kduded in to balance
of each wgr? ) This gives a the daily balance of -on
segment. Than. we aM up A the doll balances tar each
mssmbarr of for d to In billing the baling peddoa TTNN. dvs w sihe
average dairy balance of each wgreen.
3. Amusl P.Mareags Rates CAPRI.
a. The term 'Annul Percentage Ile[" may appear as
APR' m the front of the aummem.
b. If the cods P (Prim), L (3ino. LIBOR), C Mardflcate of
Deposit), a B Mankmid Pau) appears m the front of
dhh ftaleme' next to the partook reteW, t pMo6C
rates W ?orteapordrq ANNUAL PERCENTAGE MTES
may vary prnady andmay "'ohms" a dMmo a used
m the sterad I d., as farad In
TM Win SVeet
jou/7, L plus the margin pproroNatty dmrtlssad to you.
Theme tlrrgse will be sfbctlve m t fist day of your
bilkq IM "red by yaur pedodc statement a.dg
stalamant next to t pesoae reap) t c rata
W oaresppxNq AWl1AL Pt3iCEN1'AGE TES Y ft
mamNy mdrtuy increase or decrease bead o t
eared index, as fond In The Will Surest Journal, plus
the maryin pmNaWy dedowd to you. These drupes
Wil be et%cdw ant Asst dry of your baling period
ad, month.
4. Awomma t of Lae, Ovmgmt and Returned Payment Fax.
You account will be aaeaad no mans than two oft fees
lined hem that ocau dxkq my being peed Under the
terms of your customer agreement we rearve the right to
waive or rot to aa-as any fees v;= Vriot notillestion to
II10n11 "I*q out right to asses the .ante or similar
r=: er time.
6. lieu AaaaunL it & manbenNp The
appears m "=.I Ws statmrreM, you how 30
avoid pm*Q the lee oto h"B11suchn fee a Imddted you yoou
If you cancel your account. Duda this period, you may
continua to use your account without having to pay the
mambereltip fee. To cancel your accent, you tout
notify us by tailing our Qrteraer Raletiaro Depmtmern
and psy Wu 'Now Balerce' In fW (exedtdrq the
membersmp fa) prior m the W of to W "y period.
& N You Class You saw*; Ym can rmiua[ to Boa
y?W accan[ by ealMq ear Customer Rsiatlaro
Itepennlenl. You tart destroy your cradl carcilal and
account access decks, cancel all preauthorizeh baling,
and ma- uda ymr acaunt. If yea o not carcsi
preaudrorlmd kq anage? . ws win wdmr
receipt of a Burge your audrritatbn to aeeeuan. AddltlaWly, Youo eeeoum win not be tlo-d
until yea wV all mrounts you owe um irckrdnp: my
trersae9iors you Mw auttdzed, Mona c aoips, pea
Otte fees, owd)mit teas, reMUd payment tea, cash
advance fees and any other fees assessed to you
account. You are moprombe for theme ammsni whether
ty appssr m your atxwunt at t dma you request to
da- the .ccoun or ty re Ircu Md steaequunt to
your request to Boa t secant. This may rear In
Barges appearkmp on your aeam? after yea Mw
ro r acoant if it has akesdy been dosed. for example,
if you aWndzad a pause from a msrchora W wa
receive t turscilon ften to merciara afar yam
acorn[ has been dorryds, your oecaae wail be reoperd,
re?toWrrtyaamount oaurslwapN betiasporas br pbe Added aWtercmlf tthom is as Vow account,
fee Jor your acmunt the fee m he rrilgeedd,, m spent will continue
psmdrtad by Is., until the
ecccumWhalares Ira been psW N All as dented ahow.
7. Your A.aant.Your card or account evert be
kt carsnectiorn with any knemet garnb ft
bms-dons.
S. Made* Abort Boolvards Chsak Ca mmion, When you
pmvMa a Back. - payment, you auhodze u sitter to
use h1borution from year check to mks a o &4ka
electrode find transfer from ye+ bade accam or m
proxy t payment as a deeck trarractlort. When wre
tar inlomutbn from your chock m make an alectrodc
And trader Moe may be wMhd.- from your bate
account Am axn as to some day we receive your
psynhen, end you wN tars romi you deck back fan
your fiurJd YMnrdarn.
BIWNG RIGHTS SUMMARY
(In Came Of Errors Or Gaatiora About Your IN)
11 ysu tahkle you 6k Is weerng, a N you need more
Information on¦ trarrsotion or his, write to so m e
aparero shat as moon as possible at the arklmes for
knquims shown on the tram of this stateroom. We mast
hear Man you ro term than SO mW afar we rem you the
flea foiil en vdlch to scam m pra6lem apparod. YoU can
cell as Cutmsr Rdadmr number, but doing so will not
preserve your dgrq. h V. beam, give us the following
Infmmaten: your rune ant! account number, the dollar
amount oft atrpected error, a description oft error
W an mplarodon, 11 possible, of wfnY V,! u bellow them le
an error, or If you reed morns Informatioa description of
the hem you aro uuae abort. You m not he- m pay any
errant k question whole we are hnwetlgaYrq b, but you
arc 00 obligated to pay the pant of yea w that am not
in question. Mile we In atioete your mpteadon, we cannot
repot you a==M or take any action W collect the
amour you
i,t Special RNs For Credt Card Purchases
If you haw a prdbem with the quality of property or
serAm that you purchased with a crack card W you
lave trod In good taith to correct the problem vdth the
merchant, you may hew the Fight not to pay the rrmeldng
amount due on the p y or -Moss. You haw this
golsetlm oNy wirer air pudur- Arica was morns to
060.00
within 100 0 mIllike of o your your p ma roam in yow fu- mate ar
aWq adder St we own or
spasm t merdrm,orrIff we maled your the
are covered =%M"." in t?m of -.I
PI-- renunber to sigh all comesponda ce.
t Does not apply to momurter nos-credit card accounts
d Does not apply to tauhress roe-or W tend aceormta
pdwcy protection: we out
red eorNce mad of Capital
to reserved. 0 2003
01LOLBAK
hilal m t purdur spnerc o moeant.
td. Terpery Radualien fsn Finrue wry". We reserve the
opt to dodss? eery or all finance singes for any given
2. A blw?lrq pew Belrra ( Nsw Wahaal.
a. FMance Burge h calWated multlplying t daily
balance of each segment of you amours lag., ash
advance, purchase, special transfer, ant! special purchase)
by to armopordrp daily perbdc ram(s) tat has been
pr-UWy dhdaed m you. At t W of each m
t bWM psrkd, we apply t dNy Perlode rats for each
magnums M your accou s to he daly bdma of each
magnuarmt. t imdnTM thaas a the antl of the only calculations no er ?rhm a yo W u4
w
parted. Munch c hare, for each sepnmt. We add hp t
results from each sogn to t ciharps for ya,aseaou?To ? total dailyb V
Mar ance
ear secla h eagnas of yea aoount, we eke t bsplnNrq
balance fir eeh segment ant add mmyy row tterscdas
W any?erfede flrharna cirrgs alaaated m to pmt lore
day's for tt ssgrut. We then subtract arty
imyrnents w credits sof that day that am allocated
mw thatsegnes. This pvsse h as i the separate daily balers
for aadn asgruh[ of yam axxaas. Novuevar, N you geld the
ew Balance alrwh en your pmvku statement In fuY (or
=:-
If your raw balance wes zee or a ant[ smout), now,
trerascdons wlidn pat m your purchase or spedd
pudrse -gmass am not added to t dally balances. We
calculate 9&=`=d drq sl t daily
bderee d tam by t comber of
t days in t anent bukq cycle. To ctlalsm your mad
firanes tlrgp, mltiply your aYemQe duly belaco by t
desy
odc mu murvft on o t mormlear of daily basis, days k my ° be a
Rue
m ?g
slight vasoce between title celalatim W the anent of
flames Ba early as-seed.
b. If t am l rgem N a Apo m t from of
rhea to aBtl ena? Pat* t* ro ?gAed 70____we multiply t LL,..
116405
kpa7at Notice: You payment will be cradled to your accous a oft data we receive h, proAded your sand t bottom portion of ails aatemrm and your chock In the enclosed
remittance envelope, and yourpayment Is received raw prong corner by 3 pm. Palmant addressed to our NryHa or Georgia processing ocher must be received m a Makuses my
by 3:00 p.m. LT. Payrrwm9 addressed to out Washington Prows-q Cana mum bs teosiwd m a budnaw my by 3:00 p.m. PT. Please "'lbw at lean 9w (6) DWrses toys for poael
deswry. PaWuns recaiwd by u at my osier location m in *.other font may not be aredmo t same my we reatw them. Our business dove am Monday tfamgh Serurdsv, exoiurdrnq
Mdays. Plse- m not use to Ism, pan cape, am vlr' preparing your Payment.
CapitalOne
002
• Employers check credit references before hiring new people.
- Banks and leasing companies often base the interest rate they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
® 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved.
002.0803
CapitalQw-
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
Account Summary Payments, Credits and Adjustments
NOV 16 - DEC 15, 2003
Page 1 of 1
Previous Balance $618.12
Payments, Credits and Adjustments $.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If
Transactions $63.76 you have already made your payment, please accept our thanks.
Finance Charges 510.16
Transactions
New Balance $692.04
Minimum Amount Due $192.04 1 15 DEC OVERLIMIT FEE $29.00
Payment Due Date January 15, 2004 2 1S DEC PAST DUE FEE 29.00
3 15 DEC PAYMENT PROTECTION 1-888-527-6904 5.76
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To all Oudomer Relations or to report a lest w stolen m&-
1-800-955-7070
For free online aceount service and spedal automer elfee, log on to
www.apwone.oom
Send payments to:
Attn: Remittance Praes S
Capital One services
P.O. Box 85147
Richmond, VA 23276
Send inquiries I.
Capiml One servien
P.O. Box 85015
Richmond, VA 29285-5015
Save money on interest, every days Transfer your higher-interest-rate credit card and loan
balances to your Capital One end. You can am more money, ssppeend leas time paying all those
separate bills and enjoy seeing one payment actually make a difference on the balances you
transfer. You can transfer almost any type of credit card or loan balance - as long as it has an
account number. So call our Transfer Specialists anytime, toll free, at 1-800-955-7070 to start saving!
You were assessed a past due fee of $29.00 on 12/1512003 because your minimum payment was not
received by the due date of 12/1512003. 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 Pleare Jee reverse afdef0r ixjwtant info nWien
q)
Bdauerah
'
Penely
Care,g11-,g
?' 9ylA
eJro ra APR CHARGE
r• PURCHASES $623.97
- .05425% 19.80% $10.16
CASH
$.00 .05425% 19.8096 6.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
? PLEASE RETURN PORTION BELOW WITH PAYMENT.
Capiftl()ne' 0000000 0 4862362320573515 15 0692040085250192042
Pleanprimt-rr? -h$re-rnadeb-ZerktaurrriWR -R kmk
New Balance $692.04
Minimum Amount Due $192.04 serest Ape i
Payment Due Due January 15, 2004
Ciq Ss.,e ZIP
Total enclosed $ Home Phone Altemste Phone
AeeoantNumber. 4862-3623-2057-3515 0
E..aAddr-
#9035045608401514# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 11111 111111111 11111 11 1 m 177 OAKHILL RD
Richmond, VA 23276 0 - CARLISLE PA 17013-8929
ri
1gill 1III III II 11111111IL111111111III 111111111111111111111111 ° !-- 111111111111111111111111111[11ll]11111111111111111 11 1111111 111
Plewe write yaw aaount number on your cheek or money order madepayable to Capital One Bank and mail in the emclWed envelope.
S
NC
t•
j
?X
o
1'a. emos MMd. You wW love i mHrnan times period of
26 dap vvWa x fiyencs efrrpe Orb rew pumJtas"., new
haloes 'nor' lpstlal purdwes and new O&W
dterum if you pay War total 'New Balance, In
amordanc?e with the katpamrtt Noues fit paymata below,
and In tine fit, Itm W axedted by y-fro' nod e"as am no on
aid papedel trrrNn. In addldor4 them Is 9mOS period
on arty trarrsctlorh If you do rot pay the taaW 'New
balance.'
b. =j=1=. Ttarauctlar t
ere
asssasetl ikhrhes dhartio t)
from the clam of the transaction or 2) from the date the
vrracden 1. Woressed m your A..." or 3) from the
first calendar day of the earram bNYp perlod. Additionally,
i?f? yyaouu did not pay the 'New Balreo hrn the prm?iar
rlmrhti period h hY, three dsrtiss txrokas m exne to
yrr uhpeld belrioa wall the unpaid balance Is psi in fial.
? pay sine tentire New hat y y Boaril owe finance tlrrpss, evon hf
W. Indicated on de from of
notes c:su for the previous rr tkpaW?Mrro rram by d* moo: dam, but did
M added In
t thin appira6le ;=_X n Ansuntc. Winston Fk" (risrpa. Fperiod that
tar tkhaaeea drrqpbae". into Ube of your
frm dee00.60 rriism erhd the dlfsraeo wY be
bmisd m the prdsse septsm of aocouht
I'd, T".pmry in Pleurae G7rpe. Ws reserve As
! _ _ arty Mess fa arhy QKen
Bohm
Icalnlat mt/tlplNnti the dilly
balsrtoe of eachssptwt of your account (s.q. malt
river , Pu iums, special transfer, and =.,I purclsse)
by the ==P= Psvfredy rd of mdu desy rd=
Prlomc rats for es
t(s biMrg ooyouraoeank m rsod, we apply tlsdrdbalMfyigbdsrres of saM
saprwt of
tin main ofnihw doip. ofnlatadars m a?M at aaudr -P
periodic fihsrre dsrye for each seprsm. We add p ds
nrutn fforah each sep w to anive at t. total periodic
flrhencs daarie fit your sarourt. To get the hW holarhra
for same aeprtem of your account, vre tales the WoiWrp
balance for each sspnrt and add any raw trarrsW"
and aeyper1odc /twee Wage _10md on de promo-
dads babes for t.l salpsnc. We den atltraet arty
ttoo din aepsem?TNs?dvesd u dta separate dt b pond inns".
"he
brw nc?o
8d d t". pmvla?r?raaunxt iiu firm (or
If your now =P::..- a a credit amohaW, now
apedal
ealimeres trswedrr o ywr pudwe or
Putase rho amdMroyL bd?dinoamby War amthe Wo
haleness Z:.W:and ON t. sun by ds nmier of
the days in the currant total
n
y.noa decoyy Whirs in ribs the
y tlsrpa, and vmrs of
airy rw rd uhe nniar 4• WNnp
Due W roustmnti on • cry heel., there hey b e&
amdat wrirtas actually dales eslatstian rd the smart of
firtnc?e aiesree actually
est. each day, &W my nevv
netmm
rrractlas tom ladl each nand atbtraa arty Wyelltllb
or cram.. Ih the code N appear m tbs tmn of iNa
auteman next to'etlanee =Applied To; vve also
subtract arty unpaid 9nhenc?s charge haNUded h the balance
of each aspne *.I Tale t tae the dWy WbNrnefa
of each
aagnm. Then, uses add up r t. GI Weer esch
i dap i dine l M ti p riod d es us low
iha
average dally hoarse m each aopnest.
3. AraaW Pioaiseye RYw IAPRI.
a. The term 'A-I Percentage, Rate' may appear ore
APR' on the from of Wes awmm.
b. If the code P IPrime). L 13-mo. UDORI, C (Cerdficem of
Oelaoalq In IDonkurd?Whx appn N), the -M of
rates rd mrresponmrq ANAL PERCENTAGE RATES
may vary quonady may ineroase or decrease based
on rite stated indices, as food in rho Wall Snaef
Jorrne4 plea the margin VnMOhrely msdossd m you.
T td+a+aes vMI be atfactlve on the 11rr day of your
:orlad covarod by_yw pedodc aatement andnti
c. It the code O (Pdm), F (1- a. UBOR) or O (3-mo.
USOR Repriced Man )dome a?sen on the frarrt of
and year
rtataflr e reed m ds ps RC N ?domc rates
to mse pahdre ANt11AL PEiICEdecAGE Mass may
vary mmdNY anal!food In h Tf Tin, a a drmtass .sari on the
awes irhdces, as Wei Sliest Jaana4 plus
the nutigh previously disclosed to you. The". tltanties
,Al be efw:tlve on the first day of your NOV period
".dr month.
4. Araertsnc of Lag, Owiri rd Rabaread Paynrrlt Fs"..
your accounn WU be assessed no more Ow two of the face
Bated here that occur dudrati cry bNbp period. Under de
terms 11 =::.-I n, yr reserve the o
right t
.elves or ss arty foss widnu prior retlficatlort to
walvkq Our don to assess the setae or almiar
yyoauu Mlthaltur rims.
fRaat a c
6.tRswsq your Aaaeut. If .... berWp f".
==go, had of tale awe mm, yon he ve 30
alma t of at t was galled VT,:
avoid paylrhti the fee or to t w nth fee creditIf you cereal your stxant. Duihti fNS period, you may
Caltlrare to U". yarn accoun V•idaall hs i to pay de
mmbero by ale. To careel your eeea. you must
notify taeyoyureMWrq our grlomer ReNdem Department
man al
hwayrwp e) prlorWto uie end of lthe tN uy period .
S. N YOU Class Your Aearrt. you sere raqueat to done
yYoouur account by _WV our Cuatemar Relnlau
0epanmm. you marl damroy your pelt cardlsl red
account Maass dscke• CarhMl r Ilraaurherized bNMg,
sM cease your aewhatt. N you orb not esnoal
preauthalzad Nino amrhpamems, vve vdm earidar
?tof a??myyo?au>at ?u?open your
arrhorahta You ovve w 4tdtMnhp: MY
.hill Yota pa" 4
trarssctlan you Mve strtlerixad, flrearhee dtertiea, Pam
due foes. owrikdt fees, retUmsd paymm feesell
nce foes and arty otlst foes assessed to ,;:a
arxan6 You are roaparWa tar Ilasae amcunO whsdher
they appear On
yaw scram n dta ta:==to
dose the account or they ere hprred to
Your request to done ft account. TNs may result In
Fr*,
your eomux if haMs already beanarrerd dosedwt rd we
it your rr.dzed gaalsss from
receive the trmractlan horns the msrchertt after your
aeeourt Iw been dosed, your sceaurt veil . reopahrl,
the secant of ohs dhsrtis veal . added m your teernuru,
Wyou vtfi W mromMo for pa_ 4 h these N e
nhembeasHp foe for ymr arxehrt, des fee veal eanunae
to W dwued, m the auaenc panritted by law, udl de
eecaurlt bslrros Iw beat Wld h tuR as dented shove.
7. Uaits Your Aooant.Vaa rd a account can of be
h coramdlon with ray hmmm pamdkp
trrractlar.
8. Notles Abort Nsebal le Cheek Convaakn. Wren you
paovlde a deck ". paymwt,ecyou rr.dze us cuter ro
use hfisrtatlon Iranrh your dk re make afife-times
eladraNc find trrrfer ! you bank axone a to
procw the psymen as s dtedc transaction. When uses
om en eleotroNo
we ht from yourbe dewck to makefr Your bark
fwd
scoaraskr, to a s may day at se ran a the acne day " n ws rxdw our
Pa:wKr end you veal nor meeive your dhxk ybeck (ram
your finendal krtitutlon.
BIWNG RIONTS SUMMARY
(h Ca". Ot Enors Or O-Wors About Your BmD
Ii yw tlii your h11 la rv= a If you need more
iniam
"On on o trarradlOn or hW, vol. to us on a
separate sheet ore soon as poW61e at the address fa
irhquidw shove on the from of Wes atatanan. We trout
hear Iran you nc alter titan 80 deya after we earn you the
fin hfil m vMch 1. error a p diem appeared. You Can
tau os Qstaner Relations rani er, but dokq ". will nor
reserve Your dyrta, h You titer, give u the iro`airhp
Pntamadam yarn nrm. and account r tuber, ,ins dales
amour el the atrReeted anon, a deserip0on 01 t. arms
and an mplanetlon, h Pad "of Ww you beBave Asm la
an error; or If you need more Inioma a aeseription of
the hem you am tar". about. You do not have m PeY cry
amour In wntlm vtie we an brvaallpaiq h, but
a. dl ftuestlobat?oetad t?yin the pparts of you W(tlst areyoustet
In
lN1Yk vorikyete y?etal sedan, uses eamot
repot yea n drnpwn a to any a onto snap tins
moon you ghtasbon.
x,t Spedal Rule For Crean Card Purchases
If you have a problem with tie quality of property or
".rvioes tam youta with a credit care and you
have t".d h lth to corrern ale pobem with the
merchant, you may how ds right rot to pay the remairing
amount due ayyn the ny a serNeas. You have tale
b6000and them pure.".ade pales s mesa than
Wdin 100 Mlin off aftV add It ( waN wa eowti or or
Operate t. mardsm, or If urn rrhamed you the
adveheemm tat. goperty a eervkes, au qudueea
are cowarod rotierdess of rrhant a loation of puchsse.)
pse". renem.r to el(n all corrrerporhdaatce.
t Does rot SPPN ro onnsum, men ,eaff card accaMs
S Does star apply ro bushreas zwn-cis W each aceowts
privacy protection: sea our
red service mark of Capital
ion reserved. • 2003
OILOLBAK
b. If the c
noR to
110bbb
krpor.m IlmNs: Vow' psymm wlfi W credtstl to your aaxaurt ". of ds Wu vn roealw h, provited you sad t. bottom portion of iris Mtamam and your deck In mina andosetl
radttree emMOpe, rd your ppaayymmam Is racelved In w procaWq ornsr by 3 pm. PaNnems addrewd m our Vlr?ria a Osoryla prouaskq oemar gun W roplved an a daaksse dry
by 3:00 p m. ET. Payton". a0aeased m au WaaNrhprorh proossekhp caner rrart Ds moalwd an a ausksn tlaY Dy 3:00 pm. Pi. Pbas albw m Iesr 11w (5) busksw dap .r postY
drvsry. Paymsms ntatvad by us rt cry odw Ixatlan a h oration tam may not W pedal the Mons daY we roesive finernt. Qr buWses Gys an Macey thatch SatUrdaY, slodurdrp
hdlMya Passe do not ws m?Ies, paps di eta wMn WeMrkq Your MYmonc When sand us a dteckW, You atMalxe us . teaks a onstkm alsctrONe uaarM tloblt flan }vest
Wttlk ancohsrt for ds amwn of t. deck TNa rNedzatlon appMs u d dackt realwtl dudrhU ds hilNq eyrie stare if cart by emaas mss. If we .mot Pmoses 7. tmraNr, you
aulheriza us u make a dtartie agalnn ywr bard( aawrt ukq the dhecR a paper Aari a crier ban.
041
Capitalow
whites In your waI140-
We can help!
Your account is over
3o days past due.
Financial difficulties?
Good credit is 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
by Phone service.
If you prefer, simply use the remittance
coupon below.
• If you have online access, log on to your account
and pay now at www.capitalone.com.
O 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 041-0303
Capita(QWa
Account S
Previous Balance $692.04
Payments Credits and Adjustments $.00
Transactions $64.42
Finance Charges $12.23
New Balance $768.69
Minimum Amount Due $26&69
Payment Due Date Febnlary 14, 2004
Total Credit Line ;500
Total Available Credit $.00
Credit Line for Cash ;500
Available Credit for Cash $.00
At your service
To all Customer Rdstioro or to report a toss or stolen w&-
1-800-955-7070
For free online aooount aervioe and special cwtomer offers, log on to:
amvnPitalone.eom
Send P.Ymmu to:
Attn: Remitnna Processing
Caphd One Service
P.O. Box 95147
Richmond, VA 23276
Send ingd6a to:
Capitil One Senior
P.O. B. 95015
Richmond, VA 23295-5015
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
DEC 16, 2003 -JAN 15, 2004
Page 1 of 1
Payments, Credits and Adjustments
Ttaneactions
1 16 DEC OVERLIMIT FEE $29,00
2 15 JAN PAST DUE FEE 29,00
3 I5 JAN PAYMENT PROTECTION 1-888-527-6904 6.42
You were mewd a past due fee of $29.00 on 01/15/2004 because your minimum payment was not
received by the due date of 01/15/2004. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Fumce Charges Plewe ise reewferide for important information
m Balanerrah PTermalelr
CV aeffudM C,IIYK d ?IJG
r PURCHASES ;726.93 .05415% 19.80% sum
CASH S.00 .05425% 19.90% $.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
?pIg' 0000000 0 4862362320573515 15 0768690085250268694
New Balance ;768.69
Minimum Amount Due $26&69
Payment Due Date February 14, 2004
Total enclosed ;
Account Number. 4862-3623-2057-3515
Pkmrpn.tmW.raa-_41r emaildi.epr bek.rariseblar orMk -L
a.eet Apt J
Gry S.w ZIP
Home Ptnne Alre a Phone
EmsilAddrae
#9001645608401511# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 Irlulllunlnlrlrlri N 177 OAKHILL RD
Richmond, VA 23276 ro CARLISLE PA 17013-8929
Ir,peltsllnrlrllurirllullurllrtrllurilurllurllnrllnrl InrIII urIII rtnnllu11thnlrlrluulrll,I..1,lllltttlrllul
Plewe varite your aaount number myour cherl or money order madepayahk to Capital One B=h and mail in the earlmed envelope.
r
t?
fl'
e4
M
r N
e. draw Period. Yee wAl law i mWmum coact period of
25 days wawa f rwtm tlterpe on row ptstYheses, new
bWwcs trwbrs, mtv rpedd praciwaa rd row Orin
darpes if you Y Vote anal 'New Baleaee', h
aoardertm tWN the Mponam floUes for payments below,
and h tkns for k m be credted by Vow roM atrimen
e?gepelel trrrun. h sdr•?tlortpedn b ro parsec period
m arty traroedm If you do rot pay the total 'New
6. Aeanreg Fkaraa t7wge. TraraacUam wNch are rMt
trmtwihe d?uao?t ?trar?ctionaww 21dt?the d?ste?tltet)
trarreNon is
if daV of tla carom 6Witp period Adctloml preesrad m Yarr Acautt o 31 Iran tlto
first eolerdsr ly,
vw ad not pev the 'New Belors fan the oaNaa
blamg Pmlod h TW, flltarhCe dagr tMtnWaf m aeena to
Vert utpafd fWantm rnA Ace ratpaW belenee b paid h kN:
THa mars, that you msYY aY Dune fiusab cages, evm of
ated m the fora of
=Ply. Cans Nwr Bal=in
he "Iby Are rata oaing dart, bte rid
not do so for the pmNam merit. lMpeW iharce carper
=== For rrn of your
t c. dt NWq period that
Vote aranett I. ??bb{?eeecct m s fl- thup, a minkraan
tool RNANCE Oi4iHOE of •0.60 wW be Imposed. It the
Psrioaerauw h"k..?then"MYo 60, t?vs wM aahW C thstr
6flled m the pnatlhese of aceoun.
ttv-z (orrtoaatlrof swec?ht s?ePOernabtract:y paVmeme
OF create. Ill Abe erode N appaan on he from of lNe
etmemem roM to 'Bdartce (late Appbd To;
eubtraat arty tashdd #rortos stage W dad hweAceYw
so
balance
of eatlt wTpha?nnt.) Tile giws us the daily bdaoe of "on
ere em.for tlr bbMg add ?imdalaM dlt1a by the total w1h
rsanber of deyo h the Amp plod. This rives . the
avmege daily balance of each ortpnent.
3. Anal Virerrga Rabae fAPRI.
a. The term 'Annual Percentage Rati may appear ea
APR' on tier fire of rile netennett.
b. If the code P (Pdm), L (3-mo. LIBOR), C ICedfiate of
oepoel0, or S IBsnkeam Prime) appan on the from of
this eatemertt roM m tla parbdc rnebI, it. rlodc
rates and wpor?q ANNUAL PBK:EWAOE RATES
.8 vary qusrtady od tnay hcraaee or dserww beeed
m the autd hdas, ere land in
TM WaF Street
./orrnW, paler tM mapn prov?iardY dbebaed to you
Tfrw tltrgn wW he sir won Abe #rot daY of yea
hWhp period oownd by Vert pedodcautsmern atdrrg
"ch day, &W motet ram the W.SO ntitinc a end rise dffmnoa wN be
and
Vona
c ratan
yar acmae if it has akoady been dosed. For example,
If you arahakd a phrdws fart a naudwtt od we
reaiw the trarscbn flan the memJtatt afar Ya?
accorn has been dosed, yaw eoaratt Will be reaper d,
the amtak of tla tlrryrypp?wW Ib atkbd to Vert ac oun,
and yyootun wW be reaprMatee for peynam. P there b a
menhberag fee fer W. scoarP! the fee If Mrs ato
to be duped, m the exrem pemYtrad by low, wY Ur
emasn Delartes has been paid M toil as dented ab-.
7. Udnp Your Aeaohmt.Yote Card or .-Lint Cannot bo
used In connection with any Internet gambkV
menwatlmts.
S. perks Ahar Ebatrertis Clnaal[ Carrvrdon. When you
pmWds r deck ro pymni, you to mkb a on dm [o
use Mbmurdon from Yatr dtodt m melee • orho-tlme
electronic Rand trorfer from Vour bank aceant err u
grocer the ppeeymon a ¦ dock tratascUai Whan we
ur hramrilon tram your cmdk to maw on electronic
kstd roomier, loch may byote bank
amamt as awn p the um=--1=
pay % and you wW toot receive V, check beck from
Vert fkovhcal Ytdaaioro.
BILLING RIGHTS SUMMARY
(h Case Of Enos Or Ouatiets Abm Yate Bill)
li you 1Nnit Votr bill b wrong, a If Von road more
Infametlon on e Veraaetlon err bW, wrier to us m a
In?ghlrrin sellweth m Abe from M?tlbe asut?emaedM?W [?mrt
hear Iran wat no later then 80 derp after wo sort you the
flat bill m vdich Ins error %prdYen appeared You cot
call o[r Custmw Relatiar ntarbar, dart ddrg se win not
ppreeaaeerw Vora dphn. h lour loner, dw us riser itlb7Wg
infsnrotion: Your nma and accare mrrto, the hailer
amoun =-= error, a dreripUm of the enor
and M poaaw O Wry yon bellow there le
p smoC er 1} lath need Moro Unr4 a dpdm
the ham Vm are [rmam about You do not ldwcaw to pay of any
menrn h gusrilon w" ws are hvwtlgstlrq It, Irrt you
are spa abApend to pay tier pent of Vw hill tlat are not
in gnrrtlan.. "le ws Invwrigete Vour 4uwdm, we snot
repot you as delln;:m or take any anion m Calleet the
mourn you queatlon.
i,t Special We For Crest Card Purchases
If you haw a problem wfth =ft
y of =I-Yu
ct you rest ohaw 1rid M faltlh m oarem the T=I_ h tM
.ardent, You maY Mw the ridtt rot aining
mart tlueaNmy 1hs prapsmy a wrNpciesu. Yau haw Wa
4iS0 Od M#*rxrdtubse wow made in ym homer i e or
=.1" 00 Mlas of Vow maRg addr Of %W own or
merWm, or U w mated you the
adwrtisanm tof Ace propartV er seMOr, afl purclaea
Aft .1 4rd% of amoan o location of purchase.)
Rase ranenber to sign all correspondence.
t Doers not apply to comano aon-Ctadk raid accounts
t Does rot apply to MWiass non-M cant accounts
rt privacy promotion: we our
m.
toted seMa mark of Capital
We reserved. s 010?
.Ll1LBa.K
td. Towimay R dwfl n in Firae arya. We reserve Na the merin pnNoWy as I to you TMas doerhpw
dght to not seam any or all flrwta Barges for any yvm vWl be afleadw m the that dry of your bNMp period
MAng period.
BYr
Mrdaeael
2
A
D
F
N
11
A
? eWt manh.
4
Owbdt a i Reload Pa
nwd Fwe
Assessment of Lab
.
venger
e
y
aa
ew
ne
r
q
-
o. Fioetea eherpa b ealaleted by mddplying the daily .
y
.
,
Your acco t wW be aawaed ro Moro Van two of the few
bslroce of estlt sePfarc of =
& cast listed hero that acarr dudg any hlWng period. district the
=
advraa, purchase, apdal tpurdaseI teats of Vote Ceatmar egreemort, we nserw the .0 to
by ft co separu" daily pedodle rateW that Itp been
A
Y
c
d welw or not to area Dry far wllhout a notification
to
i
ll
i
h
iti
h
l
a
q
h
ay
PMVIDWy dsdceed to you. At the eel of ea
e[IOdC roM fix Ceti
the bggr
alod
we a
l
do dN g
t to erer Bane or e
m
ar
you w
t
out wa
ng err r
feea eta titer Ume
g o
,
pp
y
p
rphxm of ymr ecown m tlr Wav of sad(
w
add h
n
Th
t t
d
f th
i
d .
6.tRanwMtg Yaur Aaaour. If a rtanhbsrsap fee
ars on the iroM of file animan
ou hew 30
aepna
.
an s
he a
o
e per
,
e
p
o
rd
the redo of tlor cagy raiaLtlar m emus o appe
, y
days flan rho dam W a satmrnt wan mailed m you to
psrioae Mfefee carpe (or eadt ae.=
twK. We add rp the ewid pyMp disc fee o m (taus artri lea erected m you
malts fron aseh segment m amw at the toW prioac if you noel your aeo nt. During db period, you may
finr,a tlwge for Vow soeern. To get the elegyy 6elartce con8rao to are your aeeatnt wisher MNnp m boy 'no
:
fo weer aepnan of Your accent, we take the bepavrq maaa M
tee. To cancel Yea aceaad, Veu mbar
Ualartoe /or eedf eepnatt and add any nrvr trrracdata
l
N roUty us by esilnp ote Qrlamar Raletiar Deprtmm
" h hp f
y
d
t1
d
N
Be
and sty per
ode flroarta etupe a .Aa w m pre
Otre
mY belrea for tw asprorn
we dtm sW[net any ew
ata
ate
t
rg
a
an
pay y?ta
m into, tap fro) prier m the end of Use 1Nny-deV pedod.
.
pymana er merlin pad p of too[ ley Arm ere
aflorated 8. N Van CID" Y.
Aeawml. Yw can regrari to case
:
m Art egsatt. Tss III- rr Are sarrran doily b
rim=
sa
If
Id the
d
n
f
tt
H
fo o, Relatiar
yywate aawm W aW . our.,
oe
annm
Yw must drriro
our treat camie) and
T
ow
( sepno
o
.
or,
r sa
Yarr suaka
New 8eleoe elrotwt an Yar p _,v rsatament h I'll (o p
.
y y
aceahnt scar dmclu
-noel ail praaulhotlzed bigkg
If Your new balance was wm or a crock awn), new
vartaeCUar wNd
r o s
dd
k m
c ,
,
and maw w g_ycur eccant. Ii you do not cencd
ws vdN aroider
reateMAzd aFlir
amn
aneMa
p
your Pte
a
h Pa
puuchase sepmertta are not acrid m the deny hdrvm. We
W the d
il
k
6m ris
d
n
bel
b
d# P
g
p
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receipt of a drape Your autlorizaUon to ?sapen yax
cco
nt
Additlonall
wig not be tlaed
arr stxotr
y
a
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er awxslp
e
y
aros
y a
nfp
a
belanfesa tapstlar ant aMdrg the sun by the nnAw of u
.
q
a
Y, V
and You WY eN moans you owo us IMudlrnO Dry
the do" In Ace carat bWkg cycle. To tniosate yote tad traraaNam you low aWorixd, lkoeroa charge, pert
e
ihrtce dergs, no' Vert swoops domy balance bhygtg
dd
oclodlic t
tl dos fees, owdrnit new, mumm l = faw, ash
art
g
y t
o One rotanAnop an
? tbgn y borais' non ansy be a eccam. Ya ra rwpaWd
a fo Uoee an. wfiethe,
e
vs?
die caaAwen ant the a-,rm of to
ecarn at the d you
g
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a
rpe a?
b
flan of two matanmt
If the code Z .11,111, N e
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mrt to cow the amwt[
TNa ma
our ra
mutt in
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ppen m
ce
roM to "Bdaros Rau AppAd To,. user n.,twv the .
y
g
y
chsrmes appearing on your arrant after you haw
121285
Yrpotart NoLOS: Your pltnm w1 tier created to Vert axwtt w of Ar ate we recdw n, proNOd you send the bonan Amon of AYS antaman ant ywr dock In Ace atdwsd
ranittaraos atvdap, am Vero ppaaymm Is reoalwtl in w proaseirtp Amer by 3 P m. PaVmmtt addrawd to ote Vlr?da o 6wrgla prooswkg cane mum be raoswd m a buekase Gy
by 3:00 m. Ei. Payments ademad m our Waalig[m procepbq tatter must be roalwd on a Wdraw day by 3:00 p.m. PT. Pbass elbw m loam flw (6) lawiraw days for pwul
dWvary. ?aymeMS tealvd by us ri terry otfar locatlan er h another tam may not loo merited tM Cam by We rsoalw Ahem. Our bushew days an Monday throtr(/t Sattrday, srdueng
Iolldeys. Plops rb not race stadp, Paper dba, ma avian ge{rNop ywr Wymam• WMn you sand w e doxkW, Yw aWod:a w to male a ara-Um abc[raic tramNr debit flan Yarr
bank acoarn for iM enwtt o tM decd Thb aOUgdzetian eppiba to eA decks roceived codryaq 1M bYlkg cYde even n rem by aansaa sse• If we amot proosas 1M tramhr, yw
autlori
ze w m make a drrge agalmt Vow bsrri[ aoakan tnkg Ace deck, a paper draft err otfarltem.
Cap" One
• Employers check credit references before hiring new people.
• Banks and leasing companies often base the interest rate they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
O 2003 Capital One Services. Inc. Capital One is a federally registered service mark. All rights reserved.
D02
002.0803
Capital aW PLATINUM VISA ACCOUNT JAN 16 - FEB 15, 2004
4862-3623-2057-3515 Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance $768.69 1 31 JAN DIRECT DEBIT PAYMENT $150
00-
Payments, Credits and Adjustments $1S0.00 .
Transactions $34.76
Finance Charges $12.22
Transactions
New Balance $665.67 2 16 JAN OVERLIMIT FEE $29,00
3 15 FEB PAYMENT PROTECTION 1-888-527-6904 5
76
Minimum Amount Due $165.67 .
Payment Due Date March 15, 2004 "Important Notice" You were mailed an Important Notice Of A Change In Terms in your
Tot
l C
di
Li February 2004 statement or were sent one in a letter from Capital One in February. If you have any
a
re
t
ne $500
Total Available Credit $.00 questions, please call the customer service number on the back of your cud.
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To nB Customa Relstions or to report a lost or stolen osrd:
1-800-955-7070
For free online account service and special aatomer offer, log on to:
-capiw.necom
Send pgments to Send inquiries to
Attn: Remittance Processing
Capital Ono Servim Gpin1 One sermon
P.O. Box 85147 P.O. Box 85015
Richmond, VA 23,276 Richmond, VA 23285-SO15
Important Account Information
This February Capital One is in the movies! Watch Ebert &
Roeper to we thew top movie picks and visit
EbertandRoeper.ty to we how you can get involved and learn
more about Roger Ebert's 6th Annual Overlooked Film
Festival.
Finance Charges Pkweierrevertsride for important information
N
Me Prri.& Cl-
iW
g
Kdto ran R (x'Il
,
i
^ PURCHASES 8726.48 .05425% 19.8091 $1212
CASH
11.00 .05425% 19.8096 S.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
?JJai1????•
0000000 0 4862362320573515 15 0665670150000165675
Pt
A
dd
lm
New Balance $665.67 rmrpnw-
;e
ylr an
N•rTtelA•r(rrktomrrratb! erbtwk sE
Minimum Amount Due $165.67 strw Apt r
Payment Due Date March 15, 2004
Gq Snre ZIP
Total enclosed $
AccountNamber. 4862-3623-2057-3515 Home Phone Altercate Phone
PmeaAddrea
Capital One Bank as- #9004645608401518# MAIL ID NUMBER
MANDI MILLER
PO. Box 85147 1r1rtll1ttrltrt1i1i1r1 c°o 177 OAKHILL RD r
Richmond, VA 23276 CARLISLE PA 17013-8929
?nli?u??ur?rllnt?t??nlltu??ru??ut??nt??nr??url?itr? ° ? ?udl?uJ?ltnnr??n??rlu?r?tluu?rl?r?u?ur??ur?rllu?
Pleme write yore exemnt aamber m yow dick or money ordo madepayable to Capital One Bark and mail in for mckred a lope.
f?
s
Sa?N
aas?
asaasaam
asap
a?
M
en
Ta. Matt Paled. You wall haw a minimum or" period of 6iNYq pe nowrod W n
1
W
2w61 h1+r??
? dupe on Mw purchases, new
e
ea?N
urtltesea end
ch beQimnp
bdence of =
,
P
p
Mw
ar
Nrerpme if you pay your toW 'New BalrrG', h turt"O" to esdt seen
or Credo. (It the code N
scoordrra vridr the hgortsrt tbUce for Paymem below,
C statemem nod to
'BWnc
and h tine
hit to ba rvedted by yam Mm astennenO abtrao any tspNd 11"
doalno date. Ttmro b ro Qrwro period on G1I1 sdvrhees
and epetld tnrmfe In additi
th
I
W of each eagn?t.) TFm pi,
if
on,
ere
e ro grace PW
on arty trarmaCrlon If you m rot pay the tout •New moment
. T1mn, we add y
segnam fo the Igo
rrhmbar of dap h the 6NY
b. Aesreyp FkmsMe Charge. Traraactlan wNdt aro rot
auhlect n • gave parted are aasesaed tTrarce drorpe t l average dally bNaoe of e
3. Arwrl Pareripiye Rabae IAI
from the date of the transaction or 2) from the data the a. TW term •AmuN P•roant
trarrmdiar g prommed to your ACrnWr[ or 3) from the APR' on the front of this
Nrn did r day of the entrant billing =
If you did rot
e
th
'N
Bd
f b. If the code P O+dme), L f7
y
e
ow
arroe
the
P
rom the previous
bftq period In till. ifrarhhe wmpes eatkam m
rue to Deposit), or 3 (Bmkaam F
1Ne Natrlnan Mm 10 iW
=
Vo+ Wgeid bNarG tall tta WpaM belrtoe {e pNd h full. rates and corteapodrq A
Tale meta tlat you meyy dl mw ryurce damps, even if
you pay the aide New BWrre indl on tla fros of may vary pmttedy andm?
on LV sated kdees, -n
your ataremom W the net atetemem coakto ride, but did
not dose for the p vlom month U no,, Ihrne datum Jour
W, Plus the meph p
Those WN W eta
are added te the
aegnaro of yon Aomurt.
't c. ktkir.sn Ferree Eon caw tithing pedal that
t u a harce da
a
W
in oovstad by
Y
in month
the
If
d
h
=
7'
1
ry
, a m
rrOm
tool FlNANCE E of OO.fiO will ba hhpoaed. If dhe c.
e co
t
e D (
)
F
(
UBOR Repriced Monthly),
= day, addpeMY new
peon on the 1Trtaht of this
change Included In the WtarhG
me) appeas on the from of
medic na "the pedod
NUAL F&1E.TAOE MTES
Increase W dacmmmmr based
nil In The Will Street
vleuly dadoaad to you
rive on the 1nt day of you
x palodic ,T"dTem arrding
e Applied! To,* vve else
e W the dwy balance of each
ell the dWyy banrmsea for each
d and dvWa by Um tow
l period This gives us the
Iba segnas.
p Rate' may appear as
?tatemtatt.
no. LIBOR), C ICertlflG,e of
statement Mxt W thepa Aodc rata(f) Ur ppeerri{ooddic ntme
and re?ordrq ANWAL PBICENIxACIE TtATE^s may
'sty?T-VY andmay increem or decrease based on the
need Ind., as found In The wag Street .lorrmL Pi -
the marlin previously dedoaed io you. These darpes
vAl be effective on the Ern day of Yots bill period
each month.
4. Aaamemant of Laae. OVSrgntit altd lUblMd paynrrtt Fes.
Your atxmont wq ba assessed no more than two of tW 1aes
listed here that oMurdmxhg try f t pedal. Under the
terms of you cusumep agreement, we rosetw the right to
waiw or nor to assees my fame Wtho t prior =1 1M to
withari walvtrq our right to aesem the same or similar
eme at a later t
6. Your Aaeaalt If a membership fm
==he trf his sutemern, you baw 30
dine Wa etnemem was mailed to You to
evdd payaq the tae or to bave arch fm c added to you
If you Gncal your arxoont. Dudrmo tlla period, you may
commue to use your accamn vdUhoW WvNhp te pay the
memMmWp fee. To Gneel your aotwtan you mull
:"IV us by rgNrq our Umtomer Fbl:=;p
rtmen[
and pay your Nsw Balaroe' m fay uNp /ee) txla to the end of the tNny-deY pedal
S. N You Cbaa Yam Aesaut. You can raghmN to dam
yac'ambV Wkhp our Ctrataner Relations
rumors. You att dsnroy yyour credit cad(s) end
cactus aeces, works, eared sal preaWlo, dlong,
and ceaN tahq yew a«ant, if you do rah Gnc?d
prmutMAz 6Mrq amrmpemnmu, we vyl caWdo
receipt of a eW/pe your aut horization to reoMn your
atxemss. AddMoMNY. Yon accotnt vyl not be tlosed
until you pay all amount yet owe us Including: any
transactions you Ww auttad:ed, f rtmi dupes, pen
due fees, ovelimit fees, maned Psvman fame, Gsh
advance foam and my other foes assessed to your
,=.M You ere royrWMe for tl ese am
you rsghmn ount wfatWr
tppesr on you aMaont n the Uma to
dose the account or they are Incurred amMegmmrht to
your ropmn to dose the acMrrm. Thh may resdit In
durpme appR edrrp on you accent then you Ww
IBO,Mmled tit Man, le be ninrM nr tM re,wNm ,.i
yam acrout if h tam akesdy from elmead. fbr example.
if you amNhorizsd ¦ purdaae from a nmtdwO end wa
reoalw the trareclon from the =after your
account has been dosed, Y1 account vdN be renamed,
the rrroutt of the dreMe_aNl be added mifthen yam ocmtNa nt,
end yyoouu vti be raporrDle /or payrnertt,
rrtan6aMiP fee for ypr aaart, Ua fee wN Gnkam
to be dmr0ed, to the extent pemYtted by law, WON the
aceoum hNarxm hM betll PNd in W
M deNmd abuse.
used In O eoonroal"'?`an with My i a "CO 1 carx at bo
trarwofoha. °0rt1w"N
S. Netlee Abort E7eaba I Clwk Carrvaabn. What you
previde • dads as Par mK, you aWMdza tar aid- to
electronic d =-y"-====
Pro G t„se. Ua pey? r e deck tnrasafon When wo
amatlan ynr tlm
full ek to ma=ke an eledmdc
trerafon, hrrW Zl be vvltir4a from yon berth
aecarO m soon m the seat day we reodve your
hstlndont, hdal anti you wW tar mcalve your deck back from
=m r lkhen ==m
BIWNO RI0M SUMMARY
On Cam Of Emus Or Cuesdorm About Your BBC
Ii Vou tlsnk Yar bit n wrap, or if you Mad morn
hfomad- on e varxnlen or him, vNte to u on a
sepanta can me anon as possible at the add- to
kalWries shown on the from of this statanem. We rant
her from you ne Ina than OD d after wa farm you the
lrn till on which the error p problem appeared. you Gtr
pcralll orvur Custanar RWtioM mamba= bus doing se vA net
the
ni tamatlor dphn. In :M=t-.0-.=
anasn . smrapsned error, a description of the error
and on etplaMUan, if Pawl "of Wwhryy you =4:1,111
ar error or If you need more InfomuUorr, a the item You am uhlmse about. You do not Ww to pay my
a pay Ua hile vropen amsof rrveyou hll ba! btt th, I are you not
anara fed t re ads to w abut
in gmmmlorm. wa krwetltete Your =d m, Griot
repot you as deingianO or takkse any ato collect the
amount you question.
S,-r Special Rule For Credit Card Purchases
11 you Ww • problem vdth tbe qualhy of property a
servkm Uat you puroWsed with a credit Gm end you
hew tilmed h good Wth to nxxract the pre6nm whh the
merdra, you they baw tlhs ddn rot te pay =: aNrq
amount due on hie Pro
Of serNus. You this
posetlonoNVUum purdarr pia was mere than
060.00 and Ure made in your trans sure or
vv11Nn f 00 males oT you maNbq sddroes. Of we own w
aperna the merdum, p if we maned you the
edvatisentem for tW prepsny Cr servkes, all purdueee
are covered roProf off arrant or WcaUdh e/ purchase.)
Please remember to sign all MrreeaporhdenG.
.t Does not apply to oonwmw men-credit cad account.
i Does rat apply W busbxeav rm adff cool ore cr
CadtN OM wppan bhlamatlon PdvacY protection: em our
eat www. oM.oom.
Capital Ors is a ragy rplsterod earviG mark of Capital
tool Murree warps
amount fmrom aw?U? fan tM a?lkatkn of your
periodic m 0 the h lam 40.50 rrrirlnam e the irman and wIN aWCrect rust
nd tla dfferaoe will be
td. Tart hNNd theRPrxdwe aepInnont ofnn ootln.
emarml n yousrye,soWe reserve the
right W to m not emem MY or ON m finance, charges M My given
burp ppeori_od
2. Avaye DYy Bal.- IlnakrdM New nrdwml.
a. Rrunco large )a eekWated y mdUplyino Ua dally
halms o} sew eepnem o} yon acoout Is.p., Gal.
by the , purchases, apecW tranhsbr, errd apetlN pWdasel
by tmrrd close q deny andof that Iron been
prevlobmdy disclosed sdosed to You. . At At the the and of each day drbrp
the WIWtg paipp, we apply the rill pdodic rte ion esw
seZ===d-
ev wt arxant m the
o WarrG of mw
nor aeulte of them deny r?ladeUaa°'p ?paa?fowd, " add t4
Palmfromfrtm saw?asgrmer total p -P If.
I to mrl
lkhanG tlwpe for your aeoant, To pet the dally bdarhG
for esdr segnas of yon talent, ws take the bsynYrq
balerres for each seotnat ?md my Mw
odi? e W cthen= m
=b try
P-pr p Credo pasted m of that day that aro allocated
to
tlr segnat This dyes u Um •apsrste deny bNarhrum,
BNrm of m emnst. Ffovvevar, If you Y? PreMomm autenrent h by If Yax new bNaoa won zee a • credit amouh0, raw
trsnrsdkM tthldr past to Yam prdase p epedd
pttmdase segmtam amd Wnoyt?added ro the daily bloom. We
b ro;gedmr Owdirptu?it rN our
the day h the current bNhp cycle. To calculate yon usel
hlnerrs carpe, rrO1dWV blur avenge rimy :Imtoe th Ua
?e emmW aril by tlr nnmbor of dap h the NFrp
ort, . daily basis, them may be
this tldaanc?gae calculation and the amount of
b. If the codeZ or N +py
pead on the from of this statement
ram to "Balance Ras AppNed To; wa mWtbly Um
awrem dMV balance } eedr set bV wmrrJmmWV
rndt?N.N.., vat paymas wfa be credtsd to ?ottr •Mam m of tW ens vw reoNw h, proNdsd you ea,d th. fathom pptlan of ws natanan and ywr Nock In the enclosed
ppmmnwwe, ahd war paytnem q received Grate n?mu3t m. P• anon addressed te our Virgkia a OserO+ pocsltWq Grser out be recNved on a bttmkmsm day
d?elivay. P•Ymema roalved by w R my otMr IocaUm N in •MIWr Corm may b crsdud? throe armd,y awyo t?s 3alr?i tl m. OWbtwiaas dap arenMaNatY Uhragh Sahsd yadNWrq
h nk ye. Please do not use ttadu W Wr rive, scc. wham Prepadrp Your papnmL Wlan You aerkt W a dmckW, You wshalzs W to make a one4ime Nectraie vanrfsr Habit flan you
tank atxxaart br tfa arrtasn of the Neck TNa autfartratbn •ppNm m all checks raeeiwd durrikncq the bYNq eyda even If sea by aaneaM Nse. If we Grant proGas tW uamhtor, you
avtMrize W m make a large •palrat yw bank aMOUrt Wring the Neck a paper drab a otlmrhan.
027
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CapitalQW
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
Account Summary Payments, Credits and Adjustments
027-0402
FEB 16 - MAR 15, 2004
Page 1 of 1
Previous Balance $665.67 1 23M DIRECT DEBIT PAYMENT $150.00-
Payments, Credits and Adjustments $208.00 2 23 FEB PAST DUE FEE CREDIT 29.00-
Transactions $8.34 3 23 FEB OVERLIMIT FEE CREDIT 29.00-
Finance charges $8.09
New Balance $474.10
Minimum Amount Due $14.00
Payment Due Date April 15, 2004
Transactions
4 0l MAR BLOCKBUSTER VIDEO #902 CARLISLE PA
5 15 MAR PAYMENT PROTECTION 1-888-527-6904
$4.23
4.11
Total Credit Line $500 Families in PA EARNING INCOMES UP TO $43,240 per year maybe eligible for low-cost or free
Total Available Credit $25.90 health care coverage FOR THEIR UNINSURED CHILDREN. If you or someone you know has a
Credit Line for Cash $500 child without health insurance, call toll free 1-877-KIDS-NOW for information about the low-cost
Available Credit for Cash $25.90 or free health care coverage programs in PA.
At your service
To an Cumnia Rekdom or to report a lot or stohm ald:
1-800-955-7070
For fro online soooum setvim and speeul astomer offer, log on m:
w-capiffione.eom
Smd payment to: Send 1I.P tin m:
Attn: Remittnce Processing
Capital One Senior Capitl oft Senior
P.O. Box 85147 P.O. Boz 85015
Richmond, VA 2=6 Ridmond,VA23n5-5015
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
is
?i
Finance Charges Please fee ravnfoer+fvisddeonfw important information
"&Jre rae rmdr C -
"&J& PURCHASES $514.15 .05425% 19.80% $8.09
CASH $.00 .05425% 19.80% S.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
T PLEASE RETURN PORTION BELOW WITH PAYMENT. T
Ca12"Ow 0000000 0 4862362320573515 15 0474100150000014007
New Balance $474.10
Minimum Amount Due $14.00
Payment Due Date April 15, 2004
Total enclosed $
Account Number: 4862-3623-2057-3515
P&artp W-h., M,..& rma/A.Ver6r1amsaingN erU kia.E
Strew Apt 4
City S.. ZIP
Home Phone Altemat, Plane
0
Pmdl Add-
#9007645608401515# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 l?lnunjllluulllll N 177 OAKHILL RD
Richmond, VA 23276 CARLISLE PA 17013-8929
N
lllllll lllil ill lllllllljl lj1111Ij1111111i111llllllljlll ljlll 11 ? ? 111 lllll lljljllllli ll llllljlllljllllllllllll 11 llllllllllllllll
Pleare writeyoso, amount number on your rbak or money order nadepayablc to Capitol OwBan.4 and mail in the endured cnvclrpe.
r
Send us your e-mail address so we can better serve you.
Even if you've already sent us your e-mail address, please fill out the form and return it with your payment.
We want to make sure our records are up to date.
... a ...
E-mailaddress:?????????????????????????????????
Horse pifnt dearly In black «blue ink Youraddress should include an "®'slgn and cannotcontain any blonkspacet. A'.'should hate fts own spare.
DI 486:136232U573ST5-
Name: Account #:
Your privacy is protected at Capital One. You can feel secure knowing your e-mail address will never be sold or distributed without your consent.
For more information about our privacy policy, please visit http://www.capitalone.com/parent/legal/privacy.shtml.
®2002 Capital One Services, Inc. Capital One is a federally registered service mane All fights reserved.
ti
a?
aa?
O I
M
begkreq baterhm Of each SOWT each day, add any new
transactions to each Bagmen, and! sulatraict any ants
or credits. (li the orris N appears en the from of 1Ns
rtetomem roxt m'Bderoe Rate Applied To,' we aM
subtract arty tspdd lrorhm ri=pe budtded n the helarhCe
of each segmem.) This give s w the deyilY he larae o/ each Then we add up A the da s-ep am.br the anddNkou each
IMZ=
nmbr of days in the Irq pedal. Tdehisbgiy?ves to W the
averagqee drily bdaraa of wdh segnt.
3. Amur Prerttaga RagasIAPRI.
a. The term 'Amid Percentage Raw may appear as
APR' on the front of this statement.
b. If the coda P (rune), L (3-ma. LIBOR), C (Certificate of
DepoW), « S (Benkpatd Prbne) lip m w the from of
1Na atstamend roxl m the periodic rate(s), the C
mow and mrasp 22 ANNUAL PERCHdrAO RATES
may vary quanatiY may ith«wse or decrease hesed
on the surfed lidos, as farad in TM Wile Shaer
.Jo riwf, phis the margl pmvlaaly dadord to your
Thew dtrgn wa b eftectlw on hero firm day of your
IiIIMp pMad oowrod by Yov periods. sutmtmt endrp
WA
BON) or O (3-
m tto from of you
a(ei, to t»dodt mow
the margin preNOtwy dsrsesw to you. t ewe awrhgea
will be ef(eetlw m to fire ley M your bBkhg period
each month.
a Asse wt of late, Mint MW "W"W P•lemart Fw.
You steam will be assessed ro more ton two of the tsw
Ilrtsd here that over dudrp any WIN perod. Under the
tams of your curstorrwr apreemem, we reserve the right to
waNa « not m assess any iw a thous pdos notlflmtim to
yyoauu wdthaut welvkq au tight to wwe the sema or eimlW
1w at a later time.
5.tRrtewk0 You Aesout. If ¦ nwhthar.Np fr
appwro on the from of this nrternem, you hew 30
days from tiw drta w• rtaterrrrm wee rolled to vets to
If you pa cancel nnenoel tVa Vater /ee e or toxam. w Owing lit taee riod, cradled mmay
Cantnue to we you
If you e yvew ax.atrt iMlhoul Wth n having p pa vlrq to pay the
membwhip fite
notify we by ull . To cance 0 =l your,Ralatlm aecam, you mmts Dep =
bq ow .
and pay your'fMw Balance' in ftel (exdudng the
membarrap fee) pmr maw a of to wnYdeY period.
S. N You tense Yete AwoN. Ynd w can request to des
gyout axarht by calMhg our Cunanm Rate Owe
Depenmem. You mWt dsstroy your cndt um(d and
aaan arses desks, cancel all pore shodzed biding,
end cuss winQymr ea:ouatt. If you do rot wxd
proaurtlnri:ed alNq anarganema, we wfll xrwidar
receipt of • c heMe yop aurtlatizaton to reopen your
ecmum. AdAdera lour •CCOUm iris not be tlssed
onW you ay al anronts you mw us Including: any
narwctl. YOU ow •utirorized, r clhergw, pan
rive tees, owrikalt fw, rammed W= feet, OX
adwrae iw =arty other mw toassessed to your
accouxt. You aro roappWde for es emourw wdwaher
toy appesr on your axoute m the tore yes request to
class the accent «they aro paurred aubsequw to the a yhWapaa?appe.dngwarah your axcaniT hflt umWu he v - In
your exotin if It has absedy been dosad. For example,
if You sutlnrtred a purdws from a memMm rd we
remive the trrhwctm frorrt the merclwa after your
swear has
of heldohsrpda , wWW ar b ecarnddrert dwb eopead,
the sorest bn
year occ-ft,
rd yyoour wNl be responsible for payment. It them Is a
nhanbeeihip fee for your account, the fee well c«xban
to be darted m the aaere psmYnod by low, wA the
boost" bk rxx has been paid In hN as doMad above.
7. Year Aeaarm.Yau nerd « exam carrot be
u2V In correalon with any Intaintet gambling
transactions.
S. Ndlee Almat Elaabertia Olwak Canwindart. When you
provide • drek as perWrtatt, you authorize W ddwr to
we ktfitrmratan !sere yerr dhsek to make a or-dnw
almrodc kad trwfsr from yar benk acmteht « to
prover the pps?vetarr r a tlheclt transaction. When we
see intorrrletion form Your dhetk m mike en deenortic
we lrarrr your born
field trrwmr, fields may b whtldr
eccout r sage r the wrotromNe ens ley we re check yar
Whiners, orhd you will War dck back from
year hherhdei Mtetluttlon.
BILLING RIGHTS SUMMARY
(In Gr Of Erwas Or Owmal" Abm Y«r BRO
If you Ifhbdl yar bill Is wrap,« I l I you noel
=.don an a Orhwalon «bel whiw m ttmon a
saw dwel sham m tide from possible of this statemadd- ent. We mist
hear iron you ro lams ton f10 d•N alter we •em You the
flM hie m wHth to =nor « problem appX.d. You can
call ate Customer Relations number, but doing so Wit not
ppfe•eM yew riglxt In your lout«, give W the following
int«madom vats roroe and accotem number, tw dollar
smoum of the auspeeted amnr, a deseriptian of tw error
and m eeplarutlan, If faadtle, of Wv.fesw you bellow there is
an error, or If you need more infametim a dssctlpdm of
the here you am tenure about. You do not ow to pay any
amoum In qurstlon while we am Nwatl9v IF, but vats
am still obtl N to pay the Wna of -het that am not
lo qusstbn. we ktvemlome your quwtlan, we r?mot
report you r deerrgsr v «taka any
action to tetlect to
emoted yes tiWStlm.
i,t Spatial We For credit Gm Purchases
property «
If =;;i: a problern with the quality o1
how tried In good faith to c xt the problem Wes the
mercham, You may hew the tight not to pay the romaWng
emoted due an the pro
rN «rrdow you hew the
protacgm ody vAwn 1o pwdwww plus was mare than
060.00 and tlw pttrotta•e ww made in year hams state or
within 100 tt0w of yourif Wa metled maYing address. (If we own or
operate the mafChem, « you the
advertisement for the progeny Or servioss, ere purchases
are mverod rogenlan of amps or locatm of purchase.)
Hose romembr to alga all xrreVandence.
t Does rot apply to oorouaor rwraodb card accoum
3 Doae rot SAPPY to bratbwss roe-aedt cad acaoads
One supports Information privacy protection: we out
at wow. ens.xrru.
One lo a ISCIDUNY ered Semite mark of Capital
dal Corporation I done reserved. a 2003 BAK
to. ftsw PatsA. You will eve a mW- prate period of
26 days withan firorm ch. on new purchases, new
balance tra elm, new, spedd ptadmm rd new other
dwrgae if yeas pay yar told 'New Beiarrs', in
aa«dsrrs with tla brportant Notice for psym«ks below,
and in time for it to be credited W yar nma statement
dam. There lo ro grace period m cash advarm
tlei trarofera. h addition, them bro grata Period
52 ansaction If you do rot pay the told -New
b. Aea do Fivma Charge. Tw1e4ama- which are not
a6jax m a gram period ere as--ed firhrhm dwrge 11
from tr date of the trsroaetlon « 2) ban the date the
transaction is ptoceaseA to your Arrant " 3) from the
first cdrdor day of the aermr baliry peclod. Additionally.
ifYyoouurr rid rot play the 'NSw Balarrs from the previor
bitlkte Pd h fit, Ikrortm = xrrkara m aid in to
Tyhious teytd balance u the utpold bane charges, geld m n .
This mama ohs[ you may aW owe finance even f
you pay the amiro Now Balrtm kWr?md an the =111d
your atatemam by the shore BrotentI,p oWfirhrae la cloaBq datrat do se f« the pmhriow atprft tlrpse
re sddm m Ea appaca ===
t c. elYirhsoc ?s C act to .flr? Chr"=.- will y«r exam Is aWmt to e 0.50 WFNWNCE CHA E of b fro the meal . nee rise roof form the of
gran ate $0.50 mini meet and ea uffamtm will be
btllod
Temparory m tw pwch-HFlintrue ssonterteCZ: We rewrve the
t d. Rtlrd6n
ddtt to rot as•w any or es flrorae charges f« my given
bMV
2. Average pwDally kxLBaNrwe lbmkrita Naw Pw4h-1.
a. Nnarhm =Is c•laiatad by mtMfpty" the daily
ad-- paduss, speddit s safer, «d (W.. PtWtre)
by to come= daily needed, dot has been
prstforty to you At the and of emit day dakq
the being mdod we apply to doll P«bdc new for asdt
asphtrr of yar aaaat m the bdarce of writ
setsrwt. Then at tw eM of tw pabd, we avid up
tw reerlte of theca ddN aiadstlaw m artM et yarthe
periods
ro Mmes cope f« at t. the mofd add ka
wtits from each segment to m arrive us at u periodic
finisto, doge for yon acmtn. To get tw doey belabor
for eadh ssgirre of you exam, ive teka the begavwq trareactiord heteroe ter rpmrosspnem and add any new, ,t to
::.d
(:W
far tl = We Uhen suntrott any
payments or credits pleated as of the day two am allocats,
to that .adman. This gives we the sepsraea daily bdrae
for writ sspnero of you rtt. Flotvev«, If you the
Now Balsam dawn m Y=:,
ous wmrwr N («
If you now blond was zed or s credit amouarc), new
trerractlera wNdt prat to ==X=
M W.
ralotiats ="M veuldlyy??bdp the tW addrq all to deity
Imbar os t dwarq Use rum by t the mnrher of
the days In the arrant billing cycle. To c&Wm you total
=r== financ , Barge, rmldptyDyye? average dtly bderas by the
orb s deify aeis, d e dry asap
slight velfeilm between this calmledm and the amour of
firtrtm rile?- arnrey assessed.
b. N to Code la « N a App ie to front of we amtemmt
nmd to "Balance Raw m Applied To: vua mueddv the
126325
Ittpartart Notes: You paymam witl b credited to r account ss of tiw hte we reoeiw b, provided you send Use boners portlm of ttl• rtrtamem and your dwck n rte artdiossd
rermtterhm rtwlope, •M your WMymam lo retwlwtl h our procwMtg carter by 3 pm. Pa1m•rw •mres•ad m ow vlrgwa or owrp. prxwskq mm« mWt b rewiwd m a Wakes ay
by 3:00 0.m. Er. Paytttrra adtlrosssd ts our Wahbgp«t pracrWq termer myst bs roulwd m • Mwkws Gy by 3:00 P m. Pi. Pls•/1 •Ibw •t N•rt iw (6) bwkwss date for pwtei
wQderyPePlesdo ref use rtidw PWr d e?oc?wfst PrlMdrq /err P•WrwtL When drwt?pitdeu ap ec?a), w? erRt?wf2. Berta m?rwlw-ter aaWw-?wtw?yrauenster dabltY•t am y?arr
authorise a m melee • corgsotgdrwt yar 6mks aomtea Wkq?tw cock, a paper M?ift or otlwwr item. ? even H •wt by saneane low. If vre umot process the tmrwtar, you
Capital
• Employers check credit references before hiring new people.
• Banks and leasing companies often base the interest rate they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
O 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved.
002
002.0803
Aooount S
Previous Bala= $474.10
Payment; Credits and Adjustments $.00
Transactions $57.68
Finance Charges $8.21
New Balance $539.99
Minimum Amount Due $39.99
Payment Due Date May 15, 2004
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $-00
At your service
To nB Customer Relations or to report a feet or stolen std:
1-800-955-7070
For free online account service and spedd customer offer, log on to:
w .apmonecom
Send paymenu to: Send inquria to
Attn: Remittance Procnaing
Capital One S&vi- Capital One Service
P.O. Box 85147 P.O. Box 85015
Richmond, VA 23276 Richmond, VA 23285-SOTS
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
MAR 16 - APR 15, 2004
Page 1 of 1
Payments, Credits and Adjustments
Your scheduled payment has not been received. Please remit the amount due appearing on this statemem. If
you have already made your payment, please accept our thanks.
Transactions
1 03 APR BLOCKBUSTER VIDEO #902 CARLISLE PA $24.24
2 15 APR PAST DUE FEE 29,00
3 15 APR PAYMENT PROTECTION 1-888-527-6904 4.44
You were assessed a past due fee of $29.00 on 04/15/2004 because your minimum payment was not
received by the due date of 04/15/2004. To avoid this fee in the future, we recommend that you
allow at least 7 businew days for your payment to reach Capital One.
Finance Charges Pleaereereverie AdeforfmtortaAtlnfo wtion
Bd-. * Perbda Cp1Y oS 1`
yylirdte .dr R
N PURCHASES $489.17 .05425% 19.80% $811
CASH 11.00 .05425% 19.80% 3.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT
caoft
' 0000000 0 4862362320573515 15 0539990150000039997
Plimrpri•t nwilwdrJ?rrrmrd?orrmailshme?.rAr/ rwm?NworL/snk hi.k
New Balance $539.99
Minimum Amount Due $39.99 S ret Apt, s
Payment Due Due May 15, 2004
City $nx ZIP
Total enclosed $ H-Phono Ntetnst,Ph-
AccountNumber. 4862-3623-2057-3515
L-- #9010745608401518# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 ?I?nlulllu??n??n? 177 OAKHILL RD
Richmond, VA 23276 r !? CARLISLE PA 17013-8929
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Please toriteyov oaottnt number on your dxrk or money order ma jp,"ble to C4itd One Beek and mail in the enrlatd emrlofe.
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ta. Oraea Parted. You WN haw a rNnim[m grace periad of
26 days Wthou[ firorre ca m nave ptacnases, new
balance traronro, rave apadal gadww and new Odmr
charges if you pay your mtal 'Now Dolores', in
and to be cM?r d by your kern Notice for
in d-
wd dd°Y tO trrefen. I. xH[Wh, dmm Is peas gated
m any rn[rscdon If you do not pay the total 'Now
rasp causes =L=:',h welase tro
transactions to each segment, and subir
or credits. Of the rode fl appeem m tlm hen of h4tb
xetenham rots m'Oalanm Rate Apptlad To; wo also
subtrapwarptymumpttl'This /rerhoe carpe hhduded N the belerne balance ?eepnarht. Thal, we adduce an the delyypWlarcea for wetlh
aopnem for the bill ppaaced and divide by the toad
member o1 dsya In the NRng period. This dives W the
sweep. dally . of each aepnmt.
3.:t xd Paoadpa Robes IAPR1.
a. The tam 'Nasal Percentage Rate' may appear as
'APR' m to from of INS statement.
b. If the code P 1Prime1, L l3ino. USORI, C ICOrtlflranof
two ter ent nod to theppsdudc Feiw(s) the poolodic
rates and oonespahMg ANNUAL PERCEWAOE RATES
may vary qusneriy led may inoteaw or deoeaw blood
an the stated bdcea, ea fasd In TM Wag Street
Jamaal, plus he .,On ooroviaaly disclosed n you.
These pdsdwogda Wit be etMCtlw m thesnte La day of Y%
In tl?s nor de Jam s? by Yea Pedodc mam ending
ry, Apd, JdMR) October.
c. Ii the code D IPrirre), F (tyre. o( O 13-
USOR ::);=j= y) pps?to an the from of you
stnempsdode nts(>) tb ppeemrio?dc rata
and rowadrq ANNUAL PB)CENfAOE 7hATE8 may
wNcethlY and mail increase or decrease based on the
stated Indices, as fond M The will Street Jorrr(, Pks
the merlin proNaualy, ddisclosed to you. These eharhgea
Wit be oflecdw an the Start day of your tlllbq gated
each month.
4. Awwtutard of I eta Oval it and Returned Paynwt Few.
Your account WII be assessed no more than twa of the feet
lived hem that occur during any tllllllg =U nder the
terns of your aatamar agreement, we the It to
valve or rot 1 aasew A face Wthout ceder rodflcatlm to
W thho w tij,.A our right to visas tine same or similar
n • later time.
6. lieu Aware. If a manbralJp fee
a- m the ban of 1Ns xatsroam, you hew 30
do, from Ile can No xatanem was malted to you to
avoid paying the fee arm haw such fee credited to you
it you c= you accoun. DurMg We psdod, you may
eentirare to tee yam aoGtrnl wlthaU h9, m pay the
manbanNp ke. ToourC rCWUd yam secant, you taut
nhno w by eMtlng atoms, Relstkro DaPartmem
end pay Y ur'Naw Balance' in fill (emdudng tb
m=X; tee) prior to tb and a1 the 1Nn, y period.
6 R You Clow You Aewnt. Vou Gn request to dose
Y?oauMr secant by a osr Ctrtomsr RNadar
DeparlrtlsM. You taut dwmy Yall proen credit cam(s) and
as dada, Gllael auttortr Mlling,
and wo
d cease you vacant. I1 you do na Geed
of opt f a tluryp your?Mdzstlm to rclaepawWydaeurr
account. AdditiamMy, your acenum Wtl rho he deed
mdi you pay erg _K. yea owe W kdut arty
traroacgae you how oulhaizod, fkunce curgoa, pert
due face, owdimit less, returned payment nee, rash
advance tow arts =hl. rear areesed to your
eccaua. Yau are far thaw amounts whether
that' appear m ywr accour i at the time you rogtuen to
clove tie accent or they are Inarrad siawquaht to
your .quest to dose the arxant. This may mount In
dupes appearing m your accent after you haw
your account If It has already been desod, far exorm lo,
if you auModzed a pladrw from a merchant and m
recdw the tfareaLTMn from the merchant after your
acra[rd 1108 bean dated, Your ecCOhrlt will be
r0opefed,
tle am. of tha tlrrpe vdit b added to your uuocon,
and you Will be rwpnri I. for paymeru. If item is o
maNOMip no far V. axant, tle fw will.tonal-
m b d r to tha eMOM pemdt[ed by Iow, uhdl the
eccoum balarnee Iw been Pas N All as defked shove.
7. Uito Yar Aeeeud.You card or accent carrot be
used .4th any Internet gambling
S. Nodes Mad flsobade Cheek Conversion. When you
p-1d, a rhsk w p.ytrhem, you auderixa W alder to
electrrork fits transfer from year MN[?iccount?w or
process the payment as a check transaction. When we
use klM "n art flan yar aleck m ::kit
e en bctmNc
And tmstar, Ytade may b Wtlhdraprrt you berac
account as seta r Un was day we w yew
MYnsnm, ad you wi rot mcaw -moo, ck bock from
your tbharhdal Institution,
SILUNO RMHTS SUMMARY
(in Caw Of Errors Or Ouesdae Abe Your EN)
If you Bart yar dk la wing, errhilltt your need more
Miomatim m a trarraeUrh w , wrin to dr m
seporan alhwt as seen w poasitis at the address ibF
inhgtririw alewn on the tram or Ada statement. We roust
hear tree You ro Ina Uun SO derys attar vac wtt you tha
flex tl1 m Witlh tb error err problem appeared Ycu Gat
GpreIIa eo?eCwtamer Relations comber, but doing w Wit not
ni Mrlnatian: r rights h Your better, give W the fdloWng
i fama8 your name, and eeeaaht number, the dicier
amohrtt of the sepscnd ono, a dewdptlen of ertor
and an a?lanetim, if poW61e, of WWryry ya, haliewUu chore is
w error, a if you mead =1,1 otlon, a dowrifmm of
the hem you sro wore . Vou do not hew to pail a,y
amount in u}esam WYIe who sro W-91payrq it, but you
a%abitWlOd to Pay 11110 pans o} yam hg(that are rev While Int a you . bit we investlIppnata lwy ar?w?m, we Garet
mluwt or take an actlol to cal I tb
amoht you queadm.
i,t Special Idle For Credit Card Purchases
If you haw a pratlem Wth =W% progenylcand a
how that yea ta
haw tried M tafth to cenect the problem Wth the
the
merdunt, you may hew the right not to pay the remaining
sestet dad an de rN a wMcaa` You hew this
Z-don oNy whw the ==n n
060.00 and Uo ptur.hsw yam home eats or
WUYn tOO 0 of your maitbhg add- (If vre own or
apenn Ube merdurht, or If we mailed V. the
adwniwnem is tha property a wMcea, ell puMaaes
Pro soured r
laeaim of purtluwJ
Please rdm of correspondence.
romances to sign ON ll carespadance.
t Doss not apply to consumer r;att-craO cad accounts
3 Does sot apply to business ruon-etc& cod accounts
One OF no information privacy protection: ses our
at www.C oro.can.
One is a federally registered service mark of Capital
Via) Corporation. All rights reserved. Q 200LOLBAK
b. Asaubg T- quy. Trareactiaro wNrh are rot
fmotfe data of the transaction ar 2) from the date the
trsroection Is processed to yo Account or 3) from the
Rho [slender daY of tb errant biNirhp psdod AddUahatly,
If you lid let psV Uo 'td'w Belsree ffom the D[sviar
btlirg period In hall, fbencs charges carsbus to area to
yar upeid balance until the upsp baanw Is paid in full.
THa ewer that you may arc owe Rrhahae dsryse, awn if
you pay the erdro New Balance irhdosmd m the front of
yo statement by the next aounmM doakg doe, but did
finance charges
. so far the ap-p?da amcmj? o{yhhaoare added to b m of
tc. itYYnwa Fbr[ea tl[aga. Fa each billing period that
Your account to
mad F*4kW E of 00.60 vA. b Nhposed. If the
total Mahcs he from d. application of you
periodic ret" amoune: from the 1*7*O..SO and the difference will . deem M).50 tt1N Rhat be
hWad m tlhs purdhra
t d. w?[narofyoura arW.-.serve t
t paduNhn b[
right to notdeasese any or r &I finance
clad[ parolo Y Ibence c charges for any g gihven
2. A= belly Balnaa 1:7,k, tr Ardwaal.
a. Rrheroe dory is ulad multlplying the daily
belahm of oath 8epheM of your account (e.g., cosh
sdvwn, pudhew, .pedal trarhater, and [pedal pudeae)
pro pr tb oorreaporhdrg d to you. o you. periodic he the and tam(e) of each has day he dw
vhouly dladoseung
tie bMbhg paced, we apply ton FerIOAC roe for eadn
wpmars of ycr aceon m b balrhee of oaa
up
themaitait-hr?deg?y dbalc+l?itiona m a?M chi yam
parodic Rrwf t .ergs for soh rgmeM. wa odd up tlhe
rosin from each septets m eMw o tie toad padodc
== for yotr armuget 0* deity belches
rm of yon erra. ata,T ws take tlr bepkaWg
balance for each ssyacn and add any row trareacmon
ad rnY 16hahoa ryhsrgs calclasd m tb nMOW
[Myer for UnK r+W+nak Ws Uwe atbtrect any
paynhsaa or ctadM pasted r of Uet by tlet sm atlorated
m tihrt eeynam. This we W Uhe sePa. dally bdpadrne
Belencebalanwn an your s oaoawnit M fuN Rothe
It your chow balance
sees zeta o a trod[ rears), now
trarhssnUao Wddn pox n your purdhne or special
cal de averages tfaRY balerhce by adding sit the daily
6alrhces togetler sad dvridrg the sun by tle number of
tle days
In tb etrraM brig =T=,=d ycr teal
n tha rrnctlply War by the
[MNy periodic ram end by the ==I, UBys 11 rho biBrg
Pniod lice m muting on a there maY be
e
agdm wdrnee between this Glouladonrd the amount of
tkhrhce.urge acoaity as saw
b. If the code h"? or N appeem m thu Aont of t hl.
smtamont
eau to 'Balance Ram Applied To; wo multiply
tha
2734M
Irrportrht sloaloa Payrrems You mall to W will be aodtsd m your aoroWt as of tha buNrose day we recalw 2 proNdad
(t) You send tha Dxtan potion of this atatamrn and yrrw deck
InIha erhclosed remhtsMe envelope and (2) your payment n tharecelwtl In err pxceske crnar by 3 p.m. ET (i2 nom Pat. PMaas allow at Iwst tw (6) Dw4ew days tar posW dadvery
Paymams received by W at any odor lotaflan a in arN or Corm mdte as of t o day rva nedw them. Out burner ails an MadaY Uscug)r Scudsy, cadtdnp hoitdaya
Pleaw do not tart staples paper dMs sta. === pa yw wed W a deckW, You outledzs W to malts a are-1Mne aMctrotte vcMM Mhit rran Your boa
accent for iha amwn o1 the dock'7tls to OR-:E Nwd d[drg tb hilig ryde even it amt by amreao also. It we Gmot
u to make a dory against your bat atxouad using the dock a paper draft or odor ben. Process the transfer, you authorize
Financial difficutties? Ca 041
We can help! v&%a sM"urm&t7•
Your account is over
3o days past due.
Good credit can be important for getting an
apartment, a cell phone or even a job.
To avoid risk to your credit rating, call
s-8oo-955-66oo to use our free Check
by Phone service.
If you prefer, simply use the payment
coupon below.
If you have online account access, log on to your
account and pay now at www.capitaione.com.
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. o4t-04oa
Account S
Previous Balance $539.99
Payments, Credits and Adjustments 3.00
Tnnsactioon $106.84
Finance Charges $10.02
New Balance $656.85
Minimum Amount Due $156.85
Payment Due Date June 15, 2004
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To nil CLatomer ReLtioru or to ropon a 1w or atolm .and:
1-800-955-7070
For free online amount senior and special astomer offers, log on to,
-mpitdonomm
Send Pgrneatx to Send ingairin to:
Aft: Remittance Procnsing
Capital One Services Capinl One Servioa
P.O. Box 95147 P.O. R. 95015
Richmond, VA M276 Richmond, VA 23285-5015
PLATINUM VISA ACCOUNT APR 16 - MAY 15, 2004
4862-3623-2057-3515 Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 16 APR OVERLIMIT FEE $29.00
2 17 APR BLOCKBUSTER VIDEO #902 CARLISLE PA 43.39
3 15 MAY PAST DUE FEE 29.00
4 15 MAY PAYMENT PROTECTION 1-988-527-6904 5.45
You were assessed a past due fee of $29.00 on 05/15/2004 because your minimum payment was not
received by the due date of 05/15/2004. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Fnlance Charges Pleamtee rovertsride for implant isfonxwtion
Bdaxortate P-dir Conayax!e, ME
olio raps APP Al(
PURCHASES $615.75 .05425% 19.80% $10.02
CASH S.00 .05425% 19.80% S.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT V
G? 0000000 0 4862362320573515 15 0656850150000156853
P4-pei,rt ma?&r addax te
med?or r,aair rb?r rw -.,;r K- arb@nE i ,L
New Balance $656.85
Minimum Amount Due $156.85 sne t Apt r
Payment Due Date June 15, 2004
City Sr.re ZIP
Total enclosed $ Home Phw Ahe nm Phone
AceountNumber. 4862-3623-2057-3515
Eotsa Adore.
mom #9013745608401515# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 Itlulu1 ll1 ll11 1 111 e 177 OAXHILL RD
Richmond, VA 23276 CARLISLE PA 17013-8929
Iulrlullntltilutltllnllmllutllnrllutllutllutliutl n 11 I'll hill 111111111111111111 111111111 11111111111
Platte uwitr j-armant aaaabar on yob rh J m tummy mdn made fayeble to Capital One Bank and mail in the rndasd envelope.
a?
Z
ytt?
8
O
N
WA Mw a minimum grace period of
-rice dam m new purchases. new
partm tnrrrero, new epedd purdtmee and new other
tlurpea if You P+Y You tow "Mew Behrtce', h AI, 14otles for payments below,
ardtlm for it to ba «edrsd
rid pgeddutrarrfen. N a?Mtlon Is pace period
marry trsrrectlon If you do not pay the tool •aew
halerce.'
b-
ftOm the date of?dreiariewdono , or 2) from the data thet )
transaction h proeosed m Youu Aexaatt or 3) from the
first celadar daV of tha crarerc hWY mrfod, Arldtiorwyy,
if you rid rot pay the 'New BWroe?from the pmn imm
bUlnp period in fie, finance charm c«dne to accrue to
Vac tapaid belarws trMB tl- updd betartos h paid N fill i
TMs macro dot you mayy spa owe firrttce dtargo, even if
you pay the entire New Bderwo Mceted m tlr Trent of
you sutamero by the mac tutor- clcekp date, Ian rid
rot do ero fix the proNor mach llrpsid 1Nartce d-ryss
ero added to the
apptgb sepureru Aacautt c. Mkiean Fka!Foa rGY age bfw ant ,::r edal that
tow iktsrtu wogs roan f.- tha tlaft of yar
perlodc .(.) b ba than 60, we nbtroct that
anroutt flan tlr W.6s0empfkniirnmtm Wd the cliff. .0 be
td Tempera= RWMhn N FMaeMOkage. We mauve the
g w rot assess any « ell flrsnce Mapes for any glum
2. Awyakq D% rm INskdYq Now Brows).
a. Filar-s charm la ulalsud v mutdnhino the daily
tro brMrp Dedod, we apply tlr psdodo rote for eafi
ssputem of you aeeont m tlr Wsnee of ant
tepnsm. Then a the and of do bOb period, wa ant tp
the carotin of than rrddp11?a.elvvif««katlatlorr to srriw M
periodic
ro f. eaceaM?ieprra>t m mlssw?at Us told ib?de?
firuatce drerye f« yotr sceerrri. To gat the dWy 6alartee
for eeM seprrK of your aocauatt, wnnstake tlr be{faukp
balms forstir aepoat ant addedaaaW ne m 1M peMas
da s ppssdo fo thatce duatgs
Jaya halaree for that sepnax. We titan abtnet aW
psynross « aeon posted o M that deV tfrt ero Yhuud
m that sepnan. This duo u the oprms tMly bdpmdm
Be sl
kownof pievlour aatarnm[ inn hat (ore
trarredierts whits m your purl-es « special
6daws of sad- aeuman, we use coo
segment each day, add any new
trerlNNorq to each ae?aM ad stribl" arly Mtpnmt(s
or crecta. (if the code N eppe?n an the iron of inter
daemera nextu'Bda ce Bete ApplbdTo; we deo
abtmet any updd Munq ehergs ktduded N the b i-ea
Of eeeh eepnah) This pros us the dopy halawe of ant
aepnaft. Tenn, we old tp M the d;Eby mtlr
sapnatt 1« the dlktp period and ellthe told
ntaribet of caw h tha no padad. doss us the
com If You new hot- we zero « a erect antoun0, new
awrsye wit hatartce of each segment.
3. Annual vawreq. Robot (hart).
a. The tam 'Arrarsl Parcenta(p Rats' may appear as
APR' m the fian of this rwanam.
(Certificate of
b. Itapalt), «8 fBeKcem Piktro the code P (Priced, L (3yrto. UBORI, C the from of
D) appssro m
tier statement next to the pariode rne(t), the pedoAc
rata and oaraap.1 ANM)AL PERCBITAOE RATES
may vary quarterly and may irtcreeTso «eleraeasa based
on the stated ktdces, es i0tad n he Watt Sbeet
Janet, plus the mero pp %v s y dhdaed to you
t= Bargee wH be efbctlw m the Ira day of yae
Nplnp period covered by you periods ero. ardng
Jemery, Aqq Juay end Goober.
N the "n"
c. if the code D IPrims), F (i trio. LIBOR) or a 13yrw.
L1 Repriced ManNy) appaan m the from of Vera
natemaut next m tha pedadc fau($), the period. rata
rpm pramerssy seooso m you r rsss auertpes
wW W onth. w m tha fine day 111 your altrtg period
ant march.
Your
4. ac ounM Late, assesmt In! o. than n paymank Foss.
Ilmr 1:10 that wig be assessed w moro two of tM tea
hated ham that occur dulllq arty billing period Under the
terms of You aretanor aproernem, E7 the right m
or net m saw any tae witrotllk aUan to
wltlwt weiyfrry mr right to assme or similar
a a later timer.
6. You Aeostunt. If a rrrerrubsrdrip fie
appssn m the from of
ram of this statamam, you haw 30
deya from the date Ws nataom was mailed m you to
evdd p.yirtg the fa or to haw such to c.%d to you
If you cenoel yarn aca:ouan. DuMtp this pstied, you may
===. your aemnt whhoa hays to wV the
nollf cetgnp Wmamar Rala orotl Depsnment
and pay ya New Balance' N A. leudutdrtp the
mi"PR Pfo) p Arier m d. Vass ero of the tNrtyEeV period.
S. M You Gsse Yau
eraeratt tken regent doss
axoattby CM, our Crammer .Ik-to
aronmt. You must dummy you .refit cemla) and
account access dross, cued ay pcrock zetl bfllrV,
e=. tadecant, If yen do rot cancel
pd billkq amrylemema, we Wil consider
receipt of a Mary. you aNwri:atbn to teopm yax
a.cant. Addtlarolly, yeru arrant wiy cwt bs coed
until yar fay all amounts you owe w including: any
trarraNoro you haw aulwdzed, Marto charm, pea
drid fro,facerowriimit test, returned payment fees, cash
avawe and my other lees asseaaed to yew
acceuan. You an reeporolhie for tltw amartts whetl-r
they appear m your arrant at tha tkne you requem to
doss the accent «thay en kwurFred subsequent to
you request to dose the account. The may react N
royaroeiw the he Inns roacewx If k Ir. drotdy beat claeed. For ewurtae,
if you a tr a purcMee fmm • mmdwr and we
sdon from tha merchant after your
account has been dosed, Your ecooan wM be reopen-d,
the amouu of the dupe wig be sddee to your account,
ad you w? be reaporrWle for payment. If them Is s
V be for Wrr a can, the too Will cominuo
1111 charrgpe0dd,, m tha .Men peIF [f a by bus, uu9 the
errant halato. hr heart PaW N hai oa dented drove.
7. UaYq You Aersusi.VOr card or Account cannot be
need N cerrtectlon vvhh ary Ntemet gernbling
traroe About
8. NaWa About FlaebeNs Clresk Cbrrvarslon. What you
Pub famsthn from M?a• I'm u&.&* is odor to
dectraric find trarofer?from check to mks a you bank acmurt w o
process the pap?yment as a duck timamcdon. When vw
fiusat rA Information ka? you' de.k b make an electraric
smut as spat as the wn hen yo r
coy we ra>siw ywr
paymat[, and you vAN rot. receive your cheek beck from
you Mrai
d kanNalon
BIWNG RIGHTS SUMMARY
(N Case Of Effm Or Questions About Your BID
It you twtk you bill Is wyoq, « if you need more
oftent Infaematlon m a tnrrsdlm « WI, write to us m a
Ins ptJdes slmvnam the fran oPo f Wi astatanmL We nest
her fiom you ro later than BO d.1s afro we son your the
coat 6W Cu whits the ero« =b."==In You tell ou OYtorurr RNatlera es wfp not
re
mount of the serve your suspected you lamer, ghee tee tha totlowetp
Prtbnnatlarc and accauad number, the suspected error, a =dpden of the error
and an aplenatlon, h passihh, of vWryry you bolero them la
th error, or I1 you creed muse n, a to pa111
the hem 4.=:. about You do do rot haw w to pay any
amount t are Inv
tipsMq h, Gat yep
Netll dtfimtedhm y to e pens of ytau Nff that ero rat
l1NNNN krwdloeu yar qussdon, we cannot
report You a daBnprrtt «u arty aetlm to collect the
amosn you qualm.
S,t Special Rue For Crock Cam Purchases
If =haw a problem with tha qq lhy of progeny «
aerNoee that you Wmissed whh a crodt card sod you
haw tried N pad tahh to rated the prdiam vith the
meroharn, you may haw the ft ft not to pay the remaining
Amount Bus m the =Fly or esnices. You haw this
protestlm oilyy wM pwduo ceder was mero thin
>60.00 and tha pulydres Wq made N your home Hate «
vdWn 100 miles of year nitnit addreaa. (Ii - own or
eperata tha merchant, or if ve merged you iha
Heradvatleernemo romanbe, ber to f« theo oproperty « esnicea, all puxMaese
au covered si amont or brac of pucMae.)
pn t di oarespadotce.
t Does not apply to mnauner nos-we=ft card accounts
i Does net sppty to b"Whass ---W cold ec..Ws
priwcY protection, w ou
rod service mark of Capital
purchase slpneroaPoasue not added to the deity beiances. We
cak:kriou fir avsn(p dayy bahrtce by addttp AN the dory
bshrtca mpetlrr ad dWidrtp the wen by the -.bar of
sir dev¦ N the current biWg cycle. To calculate You tad
Iktertce 10-1110, muaday year ev.n0e dolly balmce by tfw
dMy' poriode 1ao rd by d. number of d0y0 N the blp
Penod Oue w ras==p m e drily 6ai0, there Huy be a
this
aaeooL ad tit. anoux of
ktrice dorp0 ecttrocy as
b. if tlr code Z or N y PM. m tha ha= of M0 smtanom
row m'Bdanee Rsro Apahd To; w. multiply d-
pp67M
Ittparlarl f1e0o: Paymama you mall to us will b. crodto to your aexount as of tha btnktat day ore rocelw h proNdetl I1) you send tM Dottan portico of thh aatanan eta your dlesk
N the ertdoastl remittance mvdops and (3) your pitman h racdvad N ou procaWrq e-rrta by 3 p.m. ET (1? croon Fun. Phase dbw at loo fro (S) hraitsts days for facto deywry.
Payrnems teceiwtl hY us a any odor kwatlm or in ary other ka may rlor bs erodtod o of 1M dayy yw recdw them. Our Grkret dsya ero Monday Utrourplr Sa[uNay, aociudrlp hoyGye.
fieass do rust ass ltalria paper die etc. wt-n gapahq your payment Wllm you fad us • drekW, Yokt autlwrize u to rinks a ate-rims aheuonic traMa debit tram Your D.Nk
atxeran for tha amersn o? tha dlxk YNS aulwdxaacn appNt m ail docks raoeived audrq the MIWq cych even if salt by saneane ebs. If we umot ProcoF tM tramfer, you auNoa:e
tee to make a d-rpe apdrat your bWk auwwn uainp tM dteek a paper Wah «otMr ham.
Capital0ne
• Employers check credit references before hiring new people.
• Banks and leasing companies often base the interest late they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
® 2003 Capital One Services. Inc. Capital One Is a federally registered service mark. All rights reserved.
002
002.0803
chphf
Account S
Previous Balance $656.85
Payments, Credits and Adjustments $60.00
Transactions 234.57
Finance Charges $11.22
New Balance $612.64
Minimum Amount Due $142.64
Payment Due Date July 15, 2004
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To call Customer R&dom or to report a lost or stolen cud:
1-800-955-7070
For free online amount whim and sp6ew outoma lot on to:
-.ftpitalonecom
Send payments tm Send inq rift to:
Attn: Remittanca Pmce S
capital Oneservim Capital OnsServiar
P.O. Box 85147 P.O. Box 85015
Ridtmond, VA 23276 Richmond, VA 23295-5015
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
MAY 16 -JUN 15, 2004
Page 1 of 1
Payments, Credits and Adjustments
1 04 JUN DIRECT DEBIT PAYMENT $60.00-
Transactions
2 17 MAY OVERLIMIT FEE $29.00
3 15 JUN PAYMENT PROTECTION 1-888-527-6904 5.57
Finance Charges Please ree reuffie rhk* impwast infowwion
Bdanardr Periods Carrgardind MEN
BdrdM rare R
PURCHASES $667.21 .05425% 19.80% slim
CASH 5.00 .05425% 19.80% S.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 15 0642640060000142646
Plrarp,;•t.taMg?sr.?arr?r.,trmrr.?r?„•aYb?.a.u?b Ms
New Balance $642.64
Minimum Amount Due $142.64 Scat Apt 4
Payment Due Date July 15, 2004
GrY Snu ZIP
Total enclosed $ Home Phone Alternate Phone
Account Number. 4862-3623-2057-3515
PmallAdd-
#9016845608401510# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 177 OAKHILL RD r
Richmond, VA 23276 r ¦• CARLISLE PA 17013-8929
lu?du?luJrl?urld?u?lud?nrl?ml?url?udlur?lrrd ?nt?l?utll?uun??nl?rlu?rlrlunI I11rlu1.. aIIurlrllul
Please vnitey-, arro mt member m y= r ched ar money mdw madepayable m Cop td 0-B..h and mail in the emdared entulope.
p?
8
o 1
b
N
t a. Grams Parbd. You vAl taw a minimum grata period of
25 do" wlNar Snaae chad balance transfers, noor sped
puadaaea aM new otfar
row you pay t
?errardatna VAth dlsyour krpertarr Nodd for p. area below,
and In time for it to be aedrod by your rlae antemont
a W pyod Im[reMmms Ymi s a Wn, Uam Ia no pmtsfawperiod
raraoalm if you do rot pay the met 'N
b. Aaarukq Fbhsas dnsrgs. Tnneechlma wlich era rot
fmri rM data fo?dr?trus?cdonfmm ilr die et?drt )
traremation Is processed to your Account or 3) from the
fiK = day of da tarrom
Bdernce bpNrnp period. Additionally,
ify?oouu rid not MY" he 'ow tsProdos
bssq period Wants tlnam. mnikatealm emnp m In full.
Thera ?sbeln mayy sdp w?ieDal Wryabal? I,= i, even if
you pay the andre New Belaae kvgwted on the from of
yar suterrnert byte next OtenrnerK doWnp date, but rid
not do --for the provknus mach. lMp- *husnoe dnpea
tc. mi inun Finerwsanr6y{{emct? . fareach bNpng Zed % t
rotal =aE d1 E of W ? bhe, .
e ino sad If tho
total Mnc?s rings nsadrYn? hem dr of Wl+r
psriodm rotdsl b Isa tllan 70 60, tw attract bust
smart hen the w.6s0empnFtan?amyanndrthe dffanree will 6e
Tsegwmw F bn FYUasoOrsrga
We row the
td. riytr m net stet my er Y finnsrnro charges for any given
2. Av= Odly oak" 1 New Pardnusal•
a. fiance daps 1 alalatad muMount (the drily
balance O valcempurdrr, spodalfteriinrmr, anal apadal Purim)
ad
by ds oorrespon3q dally psrmdc rsrW shot Inea been
pro qty da0red Von the and of doy d?mq
ssgnem of yon accost m tlr balms of mdtM
:Tmor .Than at the and of tha period, we add up
the radro of dm alulevas m aMw at you
=1= odd tithe
Your thmoux. To get tins dally balance
for each aspnar of your acoarr, ws take tha bsghsing
balance for each se(Nnor and said mmyy taw trerwcdms
eM any Annsnnra tlsgp akubnd m the pmvias
days ma for thst ae0ltar. We then sWtrorx my
Paynems a credit pored r of that day that aro apneatad
to da[ segrnYlL The giros u rho separate doll y balance
for each aspnai of your accousu. )(owsvx. If you rho
Now Be4ras alhown m you geNas satement in (or
If your taw bantams won zoo a a Credit maven), now
trorractmrr when Pmt m %==d.
sot Wo
ralalns nor ewnep dally by wing ell tha dolly
balarnoes taoolsr end 44==. by the
mrrhbar of
bepmkq bdanoe of eadl aeQnart eatln dcy, add any
now
tnroaetias m saM aaOmmL and adrtract any paa
st amen. (li tha code N appearo on the vac o1 ttJa
natarheM next to
'BYOae Bete Applmd To;bursdr
abtraot arty upald frames chsrge IMtdT kn the ao
of eaM segment ) T. gives u the
dopy Wanm of mall
eogrnent. Then, we add W tip the dopyy bekrcm for each
aepnmt for the tlpirq period and dNda by the total
raanber of eari ti the bppng period TNe gives us the
ever+ge dWy balR of malt aepnmt.
3. Armed wrsrfpa Rat atan IAPitI.
a. The arm 'Annual Percentage Rata' may appear as
APR' on the tram c this rtrternont.
b. Ii the code P (Prime), L (3-ma. LIBOR), C (Certificate of
n)emeratl I AaPpomI *% Nor) the from ef
rates and conaspo lbq ANNUAL PERC
ma EMA(i RATES
y vary quartedy aernldd may Ineream er deerasm hasad
m tha rtrtad Indoes, as found In The Wall Shed
Jams=, piu tM V ppn?wY dstlwed m you.
These dwgsa n11(M a effaetlw m the first day of yaw
tllfnp fated cawrod 6y yc , palodi daemon ending
in the to Jmwry, Apd, Julyy and October.
c. If the code D (Primal, F (ia-pmpoa.? Will or 0 (3-mo.
USOR m on the, Sat" nsn m pedodc nmfs) ysiragmtlaofl y?
and ooneeoorn6n ANNUAL Pil:n AOE RATES may
V1 trontiiY may Nees or dxroase wssd m the
::Z!;:=.rd= m you T dharhpas
will be effeedw at the first day of your bNNrq period
each month,
0. Asseeatnnt of Lab, Overirdt and Rshantl ?aynrt Far.
Your accent [till be amemed no men than two M ds tots
lined harm that occur dudng any bIWM period Under the
terra of you astemer agnenhalL las remrw the right to
wdw or not io stem my mea wldaut a notlflatim to
Nililout w.Ivkq err dint to eaaem same or similar
eea at • late ilma.
6. You Aaoant. If • membsraltip fee
opean m iha trod of this atatanas you haw 30
deri from tha date tNa natemmt was moped to you to
avoid paykq the tot er Io haw such lee d to
you
H you arced aunt secant. Dudrq fhb period, you may
continue to use you aemmt without he*q to pay the
membership tot. To cancel your aoeoue, you must
.,ty u by ealptq our Customer Ralabro Deprtmem
and pay ypu -Now BYerlee' N by (exoludng the
memberrhip men A. to the and of the tNnydoy period.
8. N You dam Yar Asmant. You cm replan to don
yyaarr atcant by calNrp our Curtaner Ralatlar
rspammem. you mot deal r Cu Your erect ardlsl end
oceant amen dsekf, eared ell preauhalzed tilling,
erW mart yam account. N you m nor maned
preauthafied amrgemenb, v?e wIN caWder
reotipt of a dupe your auttedzailm to reopen Your
accaart. Addtlaspy, your amour wip not be doted
tannrssed d you Payyallou -.r=d ed, duowe uflnanncaInd=ryps,Y
aro pea
due mm, owdkolt mea, rammed payment tees, ash
advance fees and cry other ear aermed to your
acmlm. You ero responsible for dm mown u1nother
they appear m yam "h y`sro time you f M1. to
mul to
your your the roqum to close thda y account. TNunt.n daTNa may reap in
m
charges appearing on your account after you haw
your symusht if it hr already boon dosed. For exampb,
It yco euhorkad a pudraee fmm a mamMm and wo
mcsiw the trarsstrtion from the tnerohant after yar
eocaarc tea been dord, you arcazd to ou reopaa ,,
1+afrMad Vmyoouuaao of tlr chsrye w18 6o added to your .,
for
ntarrberYilp f erespone"o for
tltsen• If them IaruxR tUrwn
to be darned, m tfa eldad pemdttad by law, tta
acmuar Da 1 has boon Psld N fill as defined above.
7. tKq Yea Aeaeui.Yar and a accent cannot be
uead h mrnoalon wNh any kxemet ii-blkq
varosotbr.
8. Nslbs Abort Eleabarie Otnsok (.LrnsrsDrn. Whop you
provide a deck u paynherr, you aafnrizs ue eld m
use knfo metion fmrm You dads m make a one-Ikra
al-writ turd transfer hen your bait account or to
ptoeeea the pWslamrr r a d*& trtlltlpden. When tine
ILa (nfoarotlon from your NlerJt m make an electtoric
foal trrrfsr, furn6 may ha wtdndrawrl from your bads
aCOd re m somas the same day 'war your
. =your desk bock from
Ine
BILLING RIGHTS SUMMARY
(In Case Of Flrom Or Ousada About You BNB
it you think your 6Yt Is wrap, or If you+ rased more
Infarmatlon an a trarsacilm a bill, write to u m a
==- soot as potpie at 1M adulrsr ear
on de tram of this statement. We must
beer from you no later then BG days afex we amt you the
Ant 61A on tMieh tha error a am appeam r earn
can our Custmmr Rdatbro ro.-be,, but dokq so wW not
ppreesseerve Nett rkh'r M Yon letter, Qiw u the fdbwirq
imm?rnailory your naps end amousn norther, the dear
and M sxplatlstl ?poWhbr, of Wv.Aryy kw there is
m error, or If you road mom Infoartan a derriptlm of
tla ham you an lruure abort. You do not haw m pay any
amarrc Vt question v,*- we ero in- h, but you
am still abko to pay the pans of you bN that are not
In question. m the Inwdrn yar question, moot
report you ea deNnq%Mk or aka my scrim to collect the
amain you question.
i,t Special Rub For Credt Card Purchases;
haw a problem with the gtWhy of property «
vat you prrrtllmed whh a credit ant and yvu
haw tried In geed fllh to cared the problem with iha
ng
merdum, you may haw tha drill std topay =V
amount due an thepropesty or rMrea. Ym 6e 0.00 nnodNy Phan ribs Pj% m=== m sgunon a
va purtlaea was
=.I 0 m of your In sddrasw fit wa own or
the msroham, or it we mailed you the
adwrUsana t for
the property a rMees, atl Wrcasm
are mwred ropardem of amoum a Ioatiorh of purduao.)
Pleat rmtanber to doh dl correaporldenc?e.
t Does not apply to consumer non-cmdit card accounts
i Doss not apply to business ao *& tarty acmmts
One atppons Information privacy protection: sea our
at www. ae.can.
Ons is a Jeclorally registered eaMa mark of Capital
andal Corporation. All dghta reserved. s 2003
Ora 01LOLBAK
aeaV odic rote atl Dy Uns nnnDOr of eari n fro btq
Due m rondkq m o mNy Dods, filers may be a
apght wrianes be w an die, akxbtlan and the amount of
Ikhatae em+pY aaserod
h, If de code or N appears ie the'ran of side gnaternorn
roam 'Bderrs Rea Applied To: we mlaupy tha
13779M
N?dls?eroloNwE ronltWwe mwlepalatiW (2) Wubeparadtedl`o??o ?un a?sroofcevsadraM ?m DYy3 o recE w12 Piaroan PSI') (1Plm?is d?bw?at Nbottawpo(6?bWrw?sa a?ys Pm?ld d?eN draydt
Paymmte raaivsd by u rt arty odor maven or in arty odsr term may not 6s cYroodutaA m of 1M day we rouiw them. Our bualrsw deya an MaMaY Uratf?t 8rrWay, sxdudrq haNtlay?.
Plasm m tat um itaplm paper rip, etc. wfnm preparing r fa?^daclq roalwd d?it yadsekW, You +u8adza u m make a era-fkne akctrorde trrs/a debit van Your bnk
accourt to iha amain o? da claclL Tlis atnladzatlan appl? to rkq bWrlp cycle even if Bart DY senses riot, It we carrot promsa tM vano/sr, you aWwd:e
ua to teaks a dope egalral your boil auxaurrt uabng iha cheek, a paper drab or odor hon.
027
With Capital One" online account servicing, getting account information and
Access your making payments is easy. Check out just a few of the things you can do:
D Pay your bill online
account online... -4 Checkyour balance and available credit
--)View your statement
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CapHa/Qne*
vAmft In your wanet7'
see reverse for details >
Ceplta---I
Account S
Previous Balance $642.64
Paymems, Credits and Adjustments $50.00
Transactions $5.27
Finance Charges $1038
New Balance $60829
Minimum Amount Due $10829
Payment Due Date August 14, 2004
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
Atyoursesvice
To all Customer Relations or to report a lat a stolen ard:
1-800-955-7070
For free online mmunt aria and special automer offer, log on to:
vvnw.apiulonaeom
Send paymenu to: Send inqu'uia to:
Attn: Remiteanee Pmcesaing
Capital One Services Capital One Semen
P.O. B" 85147 P.O. Bas 85015
Richmond, VA 21276 Richmond, VA 23285-5015
0270402
PLATINUM VISA ACCOUNT JUN 16 - JUL 15, 2004
4862-3623-2057-3515 Page 1 of 1
Payments, Credits and Adjustments
1 1o JUL DIRECT DEBIT PAYMENT $50.00-
Transactions
2 15 JUL PAYMENT PROTECTION 1-888-527-6904 $5.27
Frnallce Charges Pkaneme revtfxJidtfor important information
Rd- a, Perielir
a
.#&Jte rde PR
PURCHASES $637.70 .05425% 19.80% $10.38
CASH $.00 .05425% 19.80% $.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
V PLEASE RETURN PORTION BELOW WITH PAYMENT
1F??ne 0000000 0 4862362320573515 15 0608290050000108290
New Balance $60829
Minimum Amount Due $10829
Payment Due Date August 14, 2004
Total enclosed $
Account Number: 4862-3629-2057-3515
b -tmef.1 r Ai--& --trbmgrrbe6mw,adbl' ,klankiak
Scat Apt M
City sun ZIP
Home Ph- Alnmw Ph..
#9019845608401517# MAIL ID NUMBER
Capital One Bank >?s MANDI MILLER
P.O. Box 85147 iiinntitir,ltiiutli a 177 OAKHILL RD
,°.,
Richmond, VA 23276 CARLISLE PA 17013-8929
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LtLLJInddLttltlhtlhtdhtdlttttttlldttlhnlLdtl ? LnIILtdlhnttdlttlLLdt6ltttdJLLtltttlltttLllttl
Please uriteyorn aaoant number m yore check m money older madepayabk to Capital One Bonk and mail in the enlaced a Lope.
r
Send us your e-mail address so we can better serve you.
Even if you've already sent us your e-mail address, please fill out the form and return it with your payment.
We want to make sure our records are up to date.
E-mail address:?????????????????a???????????????
Pleasepdatdeadyin blarkorblue ink Youraddressshouldincludean *"slgnandmnnotroMoinanybiankspaces.A t"shouldha` hFownspace.
Name: Account #:
Your privacy is protected at Capital One. You can feel secure knowing your e-mail address will never be sold or distributed without your consent.
For more information about our privacy policy, please visit http://www.capitalone.com/parent/legal/privacy.shtml.
®2002 Capital One Services, Inc. Capital One is a federally registered service merle All rights reserved.
ltttNt?
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a?
8
O n
To- ihrase Paned, you Min haw a minimum grace period of
26 days with I fiance ca m now purchases, now
balance I=, now special purchases and new other
We if you pay your total 'New Bence', In
emomsrneo with the Important Notice for payonents below,
and h tiro for it in be crod[ed by your new statement
[ioWhg dam. TMm Is he grace period on rash ad-
and specs trarufere. In sddtlom it- M ro gears Period
en arty traroesnion If You do not pay the total 'ilew
b. Aesuig Fb- Charge. Trarsactlra which are not
stblemt [o a grace poled am arosod tkanca cwr9e 1)
from tiw dam of the vsa.mden er 2) from tip date tle
trsaactim Is prorated to your Amara or 3) from the
floor calendar day of the curem bN_" period Additionally,
ify_oyuouu rid rot psi tM 'Now set- from the previous
aiNng period h fW, fnsnce Wrgn eaakse m secrue to
your trnpaN balance, ud th tepsid bSiance M pad in full.
ThM near that you my will ow- fnrhca charges, awn if
you pay the ends Haw Balance Indented on the from of
your atatelnere by tM non statement eloalrg data, but did
not do an for the provlaw moan Unpdd tkehce charges
am added to rho epyratle soOront of your Armure.
tc. Mail. n Flhsws CPigs. FoE each bI. period that
total Rr1ANCE CHARGE of 1.0.60 wfi Ds imposed. If tin
bOW total Ilnsmnra tM reNl,a-,y. ?frmn [hs atbn o} yW
amritayt Horn the Mt fleaptnaimV.60? MIB wbt mlfat ? purchome
t d T :."yaR.s ie fir 0thrg.. We ra',mw he
right m rat steps any or all Ranee charges for any given
2. A
a.
regmrg ssaruce of earn aW1_1 each aY, add any naw
trentCdoM to each aeprhOM, and subtract any Payments
w media. Of the cods N appears on the tern of INS
Statement men I* Balancer Rate Applied To; wm else
sdmract my updd frame" cargo Idudad N the bsianw
of each aaeeppnnem.) Thbgiven u the dally bala m of eaM
e.g.
I. SO .'Rhen, q ,farm ?ad T?hlc Wances for each
raonher oil dell Ih 1M
the
3. Amoral Refer aver oty aunt- W1IAPexm.n segment.
•. The hem 'Annual INS se Rata' may appear as
'APR' on the from of I LIBOR),
b. If the code P (Prima)t, e L L 1Prime Uppear C IChNflwte of
Deposit), a 3 (Bankcad Prime) appears on the from of
INS atammrtt next mrnpthe pedudc rate(f), the poriodC
rotes and mrrwprWng ANNUAL PERCENTAGE RATES
Me vary querunty an==n se a domroat based
on tM stated Ind., The Wag Street
Jam,* Pus to margin p=Zy disclosed to you
d?shp? MIN of your
hTfiNlgase PMOd mt'erod t1-ftectlw on the #rs by Yo+r P. stmt t day day ending
in the mmlM January, Apd, Jha and Octal-.
c. If the code 0 (Prkne), r If jIg 0 or O 13-dno.
UBOR Repriced MmV eppeam on the trot of your
riatamerm own to the padodc n"U) tla ppeedriadc rates
and co
ANNUAL PFACENidAOE AAT6 may
wry
munNro Y +rhdmay increase w decrease based on the
stated Indoors, as found an TM Wag Street JourjW, plus
the margin Pm,4 disclosed to you. These CIA
will be effwdw on 1M fast day a your tlNFg Period
each month.
b. As..so nerd: of I." ov~ and Resumed Payrt[ss Fans,
Your acootan WN be aseeseed no more than tote e,1 tip fees
Need ham that owe during any bet period Underir 1M
terns of your customer sgreema t, we reserve the ght to
waive or not to assess any fat with out qIw nod#cadon to
wlthoul wsivtrg our right to assess the some or Similar
at a later sae.
6. Your Aaeree. if a membersdp fee
a- on the from of INa rtnemem, you have 30
day from tM dam it" ateement was maded to you to
avoid paying the he or to haw such tee eredtad to You
If you caned you amount. Dung this period, you may
centkxre to use y'aur auxew without having to pay the
mamhedip fee. To eeneel your ecorrm, you moat
Ustemsr Ralatiaa Department
notify us by calling our
and pay you"'New Balance' M tug (excluding the
memheraNp fast pdor to tM end of the thl"y pedod.
a. N You Gera your Aeessrt. Vou cm roqusrt to cote
Zacwunt by calling our Customer Rd"rbnent. You must deslroY Your coact c.rdt.) and
account access camks, cancel all Preaudadzed l g,
and cease wing your amount. If you do not cancel
prosModzed billing arrangements, we will consider
rocdpt of a cargo your euMrizetien to reopen your
ewrnt. Ad's NY. Your account will not be, closed
until you pay all amanita you owe w Including: any
tramectione you haw mMd=ed, finance cargos, peat
due lace, owdmit toes, returned payment isas, walh
aaaance fee" and my other fsea a--s-d to your
accent. You pro roapruitle lot that emums wMther
==r= ah y itr ncurred sM tM time you request to
to
r roQuaet to close that' core I tl yo gm. This may how
you suit in
chamea appearine on en you, ammaahl user VOa how
your account if K has dmady been closed. For -YvI6,
If you su dwized a purchase from a mordant and wm
mcdw the transaction from the mere am after your
account has been closed, your amount will be reopened,
tln emus of the carps will be added to your arnua,
endyou veal be responsible for payment. If them is a
manbenNp fee for your amount, the fee will comta[e
=b=has the s>s . pandtted by kw, u[dl the
been Wid in had as defined above.
7. Using Your A.aeunt.Yeur card or .moue cannot be
used In oeahectim with my Internet gambling
tra sectlo e.
8. Ilotlst About EMobwds Grsek Crerssbn. When you
provide ¦ tack t paynam, you auhorizs us Ntlar to
use Wfwnnatipl Lem Wr chock m make a one-rimer
electmNe hod trsaM! fro=t bed[ amaure or m
p"oe"t the ppaaymere t o aleaction, When we
use ktfamnlon 110111 yur check m oaks an electronic
fund transfer, hods may be withdrawn from your bank
sccc ra ss soup se tM same day my mceiwk be yewck from
payment, sal you wig not reeeiw yrr chec
your Randal Iladtulon.
BILLING RKNITS SUMMARY
On Cat Of Flare Or Ouestisa About Your BNO
If 1'au tNrd: your bill h vuramhp, w If youneed more
inirma#- on a trarrectian q his, write to us on a
separate duet ss soon as pt?Nie at the address for
Erato
InQulrit sMwn an the hero of this atatanem. We motet
you no later than BO days after we, sun Yatr the
1M tlN en MfIiCA the ertar or prrihlan appeared. You can
call our Gratenler Rdatioa narttWr, tln ddlg t will not
preeervev r data. h yrr, letter, give us the following norms Ianhourht e,1 #heousruspeead ertaccount
descnumber, the ription of the error
and mo
an error . w If if you u need possible mere , of vfrv you b e e dp there an ie
u o not p of
the Kamyou pro unsure about. . You do not he" aw to to pet any
amore M Question while we pro Inwe # It, but you
are SON oWgsted to pay tM pans of yea bid that are amt
jn qurtdon. b we a your auespon, urea carrot
repot you t deNn¢ant or uke arty action to cellos seta
amount you question.
4,1' Special Rule For Crap Card Purchases
If you haw a problem with the quality of property or
eeMms that to Myoupu rchssed yvith a erect wed and you
Mw tiled you may how tins wmxt right 1M not t too pay taw g
amount d us t oM
meourd dymr m pay r ue on the po=ny or servitors. You haw this Ws
protaetlan ritdV w/an the paschal erica waa more than
x60.00 and 1M purchase waa made in yur home "toe or
wf Woo 100 miles of you maNkg address. Of we own or
operate the merchant, t. r If we milled you tM
are covered aTem' er levier, ell purcasae
Pleat remrn6e rdass sign o amrrrc or location of purchase.)
all correspondence.
t Doe. roe apph' to consumsr nonoroda cad accounts
t Does nor apply to busawss non-credn card accounts
privacy promotion: Sao rot
ad Service mark of Capital
his reserved a 2003
OI LOLBAK
the = , we apply the pedodt rot fw ton
sapnam Yoe axrre m da Wears of tddn
sapnra. Tian st 1M end of 1M Period, v[e add up
iM ream of that tdpaoilyfwceluasdorhs m arrive n
UP "
me?il?n f[onR ;:ch stFhiara m aM-w et [M mod patioodee
Rnsrhro uiarge for yC emrrlt. To get 1M dillyy ba?la?nce
mat earn seprnere of your aomure, swery take "d beprwnp
balrhce fppossrdeeach
dk Anonce tharye?aalnaamd on rho proviso
days W Woos rot that tgmenL we, can sW[rsot eny
poymenr or credits ported ss of last day that Sine elNxared
m tlat segtem. TAM give W tM saPa. dolly Imlmw
Now Si?of ecwn[. lbw., if you ppeeld Lt. orr your prsvlus sutemem In fun (or
If yon now bWnce waa zero a e mead[ amours), new
tremrscdora wtidn port m yar pw[iat a apec(d
cabals o tM-gawregoa v bsl.-eun by tM r e d p all tlhe-d:
b e day coy . In the cr .rent bali bNkng g tM cycle. s To ealnlate your of
tip kn tM om e b tonal
flrwra Unrgo, ["aldply Vour swngo deny halo"nco by 1M
daily podod c mm and by the n m er of doy h the billing
Dodos Due m rrMrg one daily basis, thare nay be a
Slight wdathce hetwoen the eskadetion and the amore of
flwnoe uarpp amnsily atetotl.
b. If the code 1 w N eppoor on tM from of this amtenem
rota. m 'Bdrro- Rate Aplied To; we multiply da
14306M
Ih??enc?ledis?:: P?? you mall ro us vviN W credtotl m your amun ss of tM buWwts Gy rro redelw K providW (1) you sand tM bottom pardon of this staamumt one your chsek
anvsiops Sid 12) yrr p+ymam Is recdvad let our uxtert by 3 p.m. ET 11 f "won PT). Pltse sibw at hurt fw (6) buwknte day for ptW dsNwry.
Paymrttts rsesivad by us at mY otlMpr beaten w M mY other faro mat cwt bs eyroodutad as or 1M day ws motive tMm. Qr bWnts Gy pro MardaY Nrrdh BanuGy, aakzdnp IwNday.
aacoure tM meoi tltsclwek RNs wtltoriz Ywrmpaaytndmwteb isesiwtlssnd u a crckW, yu autladzs u m make a one-tkna sMetmde trrthSNr dNtlt flan yea brdu
n?bn?appNS N dahg 1M MIWg eyrie svm if serrl by sameana rise. If we wool procen tM transfer, you audadze
us m make a clsrge agabat your Wei[ aoorre usitg #1e tdlsclt, a paper draft w other Kem.
027
With Capital One® online account servicing, getting account information and
Access your making payments is easy. Check out just a few of the things you can do:
Pay your bill online
account online ... -? Check your balance and available credit
-? View your statement
Register today at
www.capitalone.com.
Plus, take advantage of other special offers developed especially for you!
C:apiftlo .
aAaCS In y.ur watht7-
see reverse for dedaRs )I-
027-G402
CAPHN11 PLATINUM VISA ACCOUNT JUL 16 - AUG 15, 2004
4862-3623-2057-3515 Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance 160829 1 12 AUG DIRECT DEBIT PAYMENT $216.29-
Payments, Credits and Adjustme nts $21629
Transactions 3112.45 Transactions
Finance Charges $11.5g
2 16 JUL RETURNED CHECK $50.00
New Balance $516.03 3 19 JUL RETURN CHECK FEE 29.00
Minimum Amount Due $16.03 4 19 JUL PAST DUE FEE 29.00
Payment Due Date September 15, 2004 5 15 AUG PAYMENT PROTECTION 1-888-527-6904 4.45
Total Credit Line $500
Total Available Credit 3.00
Credit Line for Cash $500
Available Credit for Cash $.00
Atyot --ice
To can Cwtomer Relations or to report a bat or smla, card:
1-800-955-7070
For free online account aerviae and special autemer offers, log on to,
ww -puhlonemm
Send Payment. to Send inquiries tc
Attn: Remittance Prorating
Capital One Services C.Piul One Seniors
P.O. Box 95147 P.O. Box $5015
Richmond, VA 21276 Richmond, VA 24295-5015
Finance Charges Pkxe reereve/retid
rimpmtant information
r
fo
B
d ?
o
?
Ar;.&
bd
ud APR
AR
PURCHASES $699.51 .05425% 19.90% $31.59
CASH $.00 .05425% 19.90% 00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT V
Cape 0000000 0 4862362320573515 15 0516030216290016030
New Balance $516.03
Minimum Amount Due $16.03
Payment Due Date September 15, 2004
Total enclosed $
Account Number. 4862-3623-2057-3515
>Harp.---;rar-U--dwevrar r,t4ad-Vk1 -R.4-L
Sawt ApL 0
(airy S.. ZIP
Home Ph.. Alamsu Phone
Q #9022845608401512# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 111 111111111111111111 1 177 OAKHILL RD
Richmond, VA 23276 CARLISLE PA 17013-8929
n e?
11111111111111111111111111111111111111111lilllllllllllllllllll 11111111111111111111111111111111illllllll1111llllilllll11111I1
Plewe write your account number on your &W ar -y order madepayobk to C4italOnc Ban4 and mail in the endared mvdope.
r
Send us your e-mail address so we can better serve you.
Even ifyou ve already sent us your e-mail address, please fill out the form and return it with your payment.
We want to make sure our records are up to date.
..... *.%, [? ji,
sS ....
E-mail address:??[]???FIR[1[1[1[1[1???[1a?[I???[]EI??[1???[1?
?Imseprintckcrlyinbkckabluelnklburaddressslrouldincludeen 'lill"sign own span.
ILLhK 4862J623202*5 /J.) 15
Name: Account #:
Your privacy is protected at Capital One. You can feel secure knowing your e-mail address will never be sold or distributed without your consent.
For more information about our privacy policy, please visit hftp://www.capltalone.com/parent/legal/privacy.shtmi.
CeM Capital One Services, Inc. Capital One Is a iedere9y registered service mark All rights reserved.
aaaa?g
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saw
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N
le Ayaio A tatalea 4Tag..
tars Rnaes Period. Yon tall have a mhltraan grsoe poriod of
26 days whhout 11
stance dr!ps m row purdam, new
bohrhca tra e"e., now apadel pwdwea rd new oenr
dergas tf You y Your total -Now BYatce', in
aeromrhca wish the Yrpomrm No I for payntaha bolow,
and In time for it to be crooked by your row aeterrtem
doebtg date. Them Is - grace pod d on cash adva ots
std spode trrrb.. In addition, them Is no gram period
m any t.no-dot If you do not pay the total 'New
balarta
.'
b. A-.ft Fataee Chaps. Tunia-dons which are not
=u dam fof O t=_.dan-o-V= = )
transaction is processed to your Account ot 3) from the
era calendar day of the carer btlhp period Additionally,
if you cad rot pay the 'New Balance from the Ore+rious
hiWrq perod in I Rushee tlergea rarW- to -
m
M unpaid balance und! to unpaid balance Is m In luil.
nx that you may salt w.e Mwtce charges, wen if
you pry de adte New BWrtca =in and m de front of
yaw aetenronK bV the nnad Materrtenm doing date, but cad
not do so for the previous malt Unpaid lktmoa charges
e. added mthe %===W=
hers Mkinae Fitara?bia,?
account I. to a finance charge, . n**mxn
mud RNANCE CtNpAsROmEudotff $0.60 win be Inposed. It tahuer
t
arnotant from ttsh le-6 as and the iflartatasifeYA be
baled to the purchase aept?ak of your accotm
td. 4;%W ReAWien in Fksnae tlvge. We reserve The
rot seam arty or as finance chapas for arty given
2. a. R u?ios%Bslsn
me is
by
we aril to
beginning balance of each segrnem each day, add my new
insects, m eadt aepnam, and subtract airypeymmte
a credte. (It the code N appeam on the from of this
aatereent new "'Balance Rae Applied To,- war also
subtract my uryWd iru nro daps Included h the bahrne
of each sapmam.) Tlda given ve the daily balarae of each
ae7nmt. Twt, we add up all the dW baWtoea for molt Pdod .4 by the lots!
nunbber of days thine bNWV period. TN. gives inn the
aver nary ea-oe of cam sepnern.
3. Arr.W aai9a Rats IAPRI•
a. The term 'Annual Percentage Rata' may appear as
'APR' on the iron o1 this staanent.
b. If the code P (Prime), L (3-mo. LIBOR), C (Ceniscam of
Depoat0, or S (Batkead Pilots) appears on the from of
tNs sutenent rote to the periodic fatale), the pedodc
rotas and ce ANNUAL PERCFMAOE RATES
may vary 'ad and may hcreaas a decreue based
m the stated hdurs, apfro?d h TM Wap Sreat to you.
T & plus the m lore naHecdverm t «M?st Y Yow *ae tlahg pMod aowrod by Y.-
ar pedodc aatanan ardrq
In the the Jawary, JJ and October.
c. If the code D (Pdme), F ( aro. LIBOR) err 0 (3-mo.
LIBOR Repriced Meat lv) anoeare m the iron of vas
the merdn previously disclosed to you These changes
will be afbctive on the sort day of your being pedod
each month.
C Aswa iand of Leas, OveriNt std Rahanad Paymant Fm.
Yo Your accent will be assessed no more than two of the fees
listed hero that occur during any billing period. Under the
terms of your ostaner agretmem, war reserve the tight to
waive or not m amea arty fete wlthaut prior nntmcate to
you whhaut waitNg ow rigs to assess the sans or simper
en at a later ti me.
6. Yew Aaomsf. If a mambsraldp fee
appears m rho from d =m you have 30
days hen tins date 1N. t was mated to you to
avoid venal the fee or to viva such fee cradled to you
ol mh
eontbwe io uae?r account. accnnt?wi?t outitle t haMhat you
momba.Np too a cancol yell" accent, yW must the
--W=P tea) Pna to the ad of the tNny-day pedod.
6. N Yw yw Aesead. Vou ten roquea to dm
yyour eccant by ulWg ter Gstmer Balaban,
oepanmml. Vou mist dearoy yaw cadt card(s) and
accent aeeoeregdreks, carnal aN proauthorized billing,
proaWw od b1WV arangemema we win conaidd.,
receipt of • carpe your auterizatim :==
aoecnl. Addterolly, your seen 0 wuntil amyw y dl ammnts you owe us Indwanq: amt
you ha=:=-j dzedflrtarta ctarpos, pea
due toes, ovedmlt paymom fen, cash
advatta lase and any othar bee assessed to Ww
account. You are respasihie for tees amemro vdethar
tley appear on yen secant n the tlma you replan to
dm tha eecartt or they are Incurred alWSquam to
your requspapteto doso the aaant. TNs maV reap In
rmeA theeeanm..hi.,a. alt art rotr.,w?N .r
rte accent if it has already been dosed. For emnple,
If yeY 011MdSed a pwdNaB from a nMRl WY Yd we
receive Uts trasacbrt from the merchant after year
;taunt Your
Itas heat dosed. acaaam wW be mapared,
tWie ayynoaxuuant of the cage vdB be added m your account,
WIN be responsible for nhanbaWdp fee for yout aceaam, the fee l will l continue
to be ctsroeJ?m the .sent pemdmed by low, adN the
accou t bbodlaa has beat Psis in fib as deMod above.
7. Bang Io r Aaaant.Vaw card or acmnt cannot be
used In connection with any kmema gamhihg
tra i mcWe.
e. Nauss Aber Ehaereni trek Oerhverebnh. When you
pro" • deck as
paymsm, Vou aurlerizs a althher te
use Inform= from your deck to make a me-timo
alactroNe find trader from your bank account or to
process the ppsaNnan a • Beek trato dian When via
use hfomtation tram 1'oV cheek m make an aleetionic
fund trader, fuvY may be vdtdrewm from yaw bank
account as dealt as tine sane day the roCBiya yar
psymem, ad you sous rot feaive yaw deck beds from
Ww tkwohl Ytath ltarl.
BILLING Rk1NT3 SUMMARY
(h Case Of Emom Or Ouesdarr About Yar Ban
ill you 11"Wyour hsl h wrap, a N you .sod more
inimnatlm m a trrrsclon a hW, wale b u ona
In-wgtddes showman to ahan . a staemerm. We ,,east
hear tram you tto lour Men 90 dd!a}y?? after vve salt you the
trot hip a wHtln tha arts err Prcderht appeared. You can
pcall FFas, Customer Pandas raanI r, but doing so will not
your Fights. In your letter, give us the following
niamatare your.seta end aceaatt neater, the dams
amour of tha atrpsesd array, a dmdpdm of the armr
and an toplaretion, if poW6le, of why you believe taro is
an error or 11 you need mom In a descripdan of
due hen you are ochre cart. You do not have to pay any
amount In glselon vNie hurt are lrrw t stlnq h, but you
are vide oWOStad to Pay the pens of yau_ asf that am not
In IyNM we lnwa{psts ywr possum, we carant
repeat you as deanprru a uric my actin to eased 1M
amour vw question.
i,t Special Rule For Credit Card Purchases
II?.aw pmblan with the quality of property or that you purchased with a crodt card ad yam
have tided In good faith to correct rho prahlmt Vin the
metchem, you may hove the Fight net to pay the remaining
amour due on the p.Crty or 9"cee. You have die
protacden ONy value. tM purdrse pdee s = pan
360.00 and tls purchase was made in your home nee or
vkiNn 1,00 "Nee of your m=k
ddrese. gf we own or
operate the msroham, w It d you the
advamesttem for the proton a as aN purdasas
am cow and mg.= of arrant or bcatim of purdwae.)
Ploase ranember to sign all corroepondonce.
t Door not apply to contuaa ran-crack cam oc-$,
1 Data set apply to buxh a nan-Ued/t ram actors.
Capital Ore supports Imamate PdvacY Protection: m our
wabalte a www.ccaapp can.
Capita Ors is a bQeral?lypeeasred service mark of Capital
.tears charge lerofVol, sooaant. To ga the dMI
balance ntce ca for balartca
for or each eatlt rant accalrtt, NO take U1D begeeYng
segntarm and add any raw transactions
aid erry I=- charge rsledsted m the prevlao
days once tor that septwtt, we ten aubtrsot any
paymara or cede pored as of that day that s. eNOratod
to that segment. TN. gvea us to soparae dally balaslndce
Basrne tot m Wurptwlouw aitaitmt you
hll (a
If yar new bes.:e was zero a a or", annoum), now
traesctkats tyinidt pail m your Dlnrdnaae ot tpodel
pureose sepnerms am rot bbaly balahcas. We the dal
bebnoas t poUer? awoy eling balance ro the id Mao sea de as y ntbor of
and y
the coy In the current bWkp Cycle. To calculate your total
flntanca charge, rtadtldy your sucrose daffy bslorno by to
dopy rat and y the nurhber of days h the bump
. Dual m roatdng me daNy bad., there may be a
an
therye arnteay sase.ead d the annoustt of
Ims b. If iha cads Z or N appoaor on the trap of W. a ttemern
re teM'Bd„
w.sonce Rau Appaed Tovre roadply
r..r.,..,....r ..,v..?.....,,, w., .... u.,
7143M
Inportad NWn: Payrrema you maN m us wgl De cradled xo your auacrnt n n 1M Ounitses soy vro realty h Provided (1) Ycn sad to bats. poem o1 tss aatanan anal your dunk
htha ahda.ed rutddttance
atvelge anal (2) your paymem h recalled h our woaaalrg caner by 3 p.m. Ef (t f rem Pr). Phase alknv n Ieaa }ve (6) busknsn days fa poaal dMvery
pi ds rscalvad W w a anY otler locatlon w Inn arw other romp may rwx 6bse credtad as of tle dayy vas.also them. Qr bukoss days aro MondeY turoWt Sswrday, nadudnp hrNdaya.
Rase do nil ltae staple peps, dm. aro. vdtari rkg pa ernL yNan you and ve a dscMN yw nrterise v to make a atatkns electrode uaela debit iron your bait
a io ?tmaia. aa? e nut ya,r ter h .sou 1. lint i t :aPspe`ha`r a xt waloveMdor?itan g awn h ram by sameans Nse. If we a.rt groan xM lrarabr, You authorize
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Calalta
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
Account S
Previous Balance $516.03
Payments, Credits and Adjustments $.00
Transactions S62.8S
Finance Charges $8.77
0270402
AUG 16 - SEP 15, 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.
New Balance $587.65 Transactions
Minimum Amount Due $87.65 1 15 SEP OVERLIMIT FEE $29
00
Payment Due Date October 15, 2004 .
2 15 SEP PAST DUE FEE 29.00
Total Credit Li 3 15 SEP PAYMENT PROTECTION 1-888-527-6904 4.85
ne
Total Available Credit $500
$.00 As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps
Credit Line for Cash $500 your 2004 charges. Please call 1-877-794-4487 before December 12, 2004
to reserve your
Available Credit for Cash $.00 ,
copy. All orders will be processed between January 15 and February 28, 2005.
At your service You were assessed a past due fee of $29.00 on 09/15/2004 because your nummum payment was not
i
d b
h
d
T
B Cu rece
ve
y t
e
ue date of 09/15/2004. To avoid this fee in the future, we recommend that you
o c.
stomer ReLtions or to report a imt or stolen urd allow at least 7 business days for your payment to reach Capital One.
1-800-955-7070
For free online aacout s Ift and spedal customer offer, log on to:
vow -pitalone.oom
Send parn.u to. Send inquires to:
Aft: Remitmnoe Pm-ing
Capital One Se 1i Capital One Service
P.O. B. 85147. P.O. Box 85015
Richmond, VA 23276 Richmond, VA 21285-5015
Important Account Information
Are you registered to vote in this years 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
wwwxveryvotecounta2004.com to make sure your voice is
heard. Every vote coums!
FrnanceChatges Pkawmenroerferide imforfastirja»sation
f
or
?
a & e
?.r Ce? ?JJnl
l
d
A
.YT.
PURCHASES $521.18
CASH r
r
PR
.05425% 19A0% $8.77
S.00 .05425% 19.80% $.00
ANNUAL PERCENTAGE RATE applied this period 19,90%
V PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 15 0587650216290087658
New Balance $58765
Minimum Amount Due $97.65
Payment Due Date October 15, 2004
Total enclosed $
AccountNamber. 4862-3623-2057-3515
Pl-eprurt ,rradafrna a-nmJ arr brbmvriurb/w _blank iwk.
st Apt b
Home PMae
Sun
#9026045608401515# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 hinlultlinltltlni .+ 177 OAKHILL RD
Richmond, VA 23276 CARLISLE PA 17013-8929
n
lult?niiutitiluti?llullutilutlinnniitinlltttlittltl ? lutliln?lllunulluiltlnltltluultiltiulu?ilutitiltil
Pleare writeyarer--wt nrnaber on yora rbec4 or money ordn raadepayabk to Capital Orre Bank and mail in the m1wedenrod4e.
r
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Name: Account #:
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For more information about our privacy policy, please visit h"p://www.capitalone.com/parent/legai/privacy.shtml.
®2002 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved.
T
aar_
a?
?s
O a
p ra\b
o m
N
t a. Games Paled. You IN how a a "man grace pried roof
26 days wMnut firence Marys an new pu red'
w
Dalarnce transfers, row special prdreos and now, other
charge if you Pay Your total .11 I'll., M
oo.ondaica with do Important Notice for paymems below,
arnd in tine for it m be ayadted by your raha atstmtau
closing data. Dram 1. 0, on cash
and spedd tra ideas. In adddon, titiora Is Far pees period
m arty tray cd- If you do not pay it. met
'!bur
b. Asaning Fb- . charge. Transactions Witch am net
it 1e1
ab(eet mdam pr the o gram pabd am :sewed Brnsnhem tl m =it.,
than tl el to to your Account 2) ) diem himtracdbn Is processed ed yam Aecant a 31 flan the
first ralsndmr day of tla eared bNirnp Additiaefiy,
if you a9d rlU py the 'New Balarm the prsviar
biting pared In fW, fincce charges mmksm to accrue to
yam typed balmee use the unpaid bolmte Is paid in 6A
This mot r that you may art owe hmtcs charges, oven rt
you pay Una aMm an Brian itdeeted an the from of
your smmrhnent by the next statement doWp date, but did
not do so for the pmvbla martin. Unpaid 1YW1ce Merges
am added to the segnerd of ya. Amard.
e atrdman FYraa . ref ash
your :.Leta[ 1. abf 0C[ m a firm drige, . Timm
teal FIt1AFICE CNAROE of 00.60 .0 be krhPOmad. If the
total Muoce tltarya -A hum the of
ad from the W0.60 ?m ride:adthe di ?will be
bvsd te tfe psdress seprwt or water ammo.
td. Tarrparay FlsskMlen In Pintas Charge, We reserve the
did to rot seer my a al finance charges for my riven
begmrhg bill-CM, of each egrnan each day, add my now
transections to each aoph?eM, and scoured arty peymeMs
or credits. of the code N appears an the had of it"
staternem next to'Balanc , Rate Applbd To: we also
subtract my unpaid Lune Burge krltded In the balance
of each sephham.l TN. gives - the daily balance of each
sego::. Than, we add up erg tM daily balartaes fa sea
a0gnertt bf the beg' ppeedod and divide by the total
man., o, days In the blbV period TN. gives -IM
average daily balance of each segment.
Aural Moatsga Rags (APRI.
The Lean 'Annual Permirtage Rata' may appear as
'APR' an fie front at this statanera.
If the cede P (Prime), L 13-ma. UBORI, C (Certificate of
Deposit), a S (Bankurd Prim) appears an the from of
this statement next to the pedodc ram(s), the
Fewer and corempmV ANNUAL PERCENTAG RATES
maL,8=" nedy am I may inereae or deeroass based
on .. as foal h Tla Wag Sheet
.larnW, plus the maryln pproroNOUsiy disclosed to you.
Theca awe. =VAN be efle.tw an the fin day of you
hlung IF mamma by your pedodla .t.tmtan marlg
3.
b.
if you eudni: a purtlrsee from a rtemJem and m
.... the traraodon ironrh the mercirm efw your
account has been cited, your amen will be reopened,
two amount of the ciharyp will ba eddied to your orreun,
end yyoauu.r hnAll be r;= I. PWrnmt- If lone la a
mertlberasp fee enam, dhe fee, wW mmime
m be durmd, m the sown permitted by law, until the
errand Wlahm has been paid in M p delked above.
7. Using Your Aaart.Your card or arcarht ca oat be
used In contraction with any int-writ gambling
transactions.
8. Fes I Abet Eimburds Clhssk llrrzsntarh. When you
provide a lock as payment, you auMms - aidrr m
use hfomsdon from your deck m make • oreWre
elee[mte AM trarbr from your bank accoud a m
purse the payment r a Mo.k traimactkn. what von
use infomradon fresh you Medk m make an
aledrordc
iced tra ew, frnri may he witldawn from your bank
aoroud as rah as the acne day we roedve Vera
pymad, anti you wW not receive your dadk beck from
your ftnaridal irnsdtuUOrh.
BILLING RIGHTS SUMMARY
IM Case Of I.- Or Ouestlas About Your BIB)
I mire tW as t? InmacaorMa r bill, valwo i you two umm a as som {r W n an the foram possible asttattemeamM.reWa a maim of this hear
hen you ne
fire later tiara BO Nys afar we aeon You tlo
tlfi an vWeh tiro error c prahlenappeared. Ycu can
roll our Custanar Rdatlae ;amber,dive u tie I% ddtry a vvi1 not
pprreesssseve oa=b. vas Iota.. ,,;!ng
infemmtlan: and accent number, the dollar
amoral of the suspected actor, a description of the euor
and anmplansden If poritle, of Wry you begeva Dare la
an error; a If you need moro Mfoma a deacdpUm of-
the hem yam an arse about. You do not haw to pay any
amount am e1R Obligated to ppaayelh pens ofn Hl 1f it arc of
in quesdart.l+Atla ws itnveetlgsta you aastlon, we crsat
rga. I as definghant a takkee mY • to coped tha
amain you question.
$,t Special vide For Credit Cam Purchases
It you have a prohlan with 1ha gWhy of property a
:ch_14. that you pudwed vari a erect cam anti you
have d h good faith to correct to problem with the
merchant, you my howl to ddd net to pay His remaining
amain due an the properly a rAcm. You have Me
pmaetlan W vvinen the pumice: pdca was Han ten
4160.00 and the purclrsa was made M yea Fame auto a
whhin 100 mile of year mafiing address. (If we own or
==.M :radium, a If we maned you to
fa 11116 P7.6 a HeMtaa, eg purcieeos
tie covered regard en of mainn a loratiah of purMaac.)
Please remanber to sign all conespo donce.
2. Avarags DaW tiairaa IkhMti j Nary
e. Fiance cnarye m calalated y rmf
baiarnce o} esdn aegnen[ of your tie
adorns, pudae, special transfer'
prsvbuely disclosed to you. At dos end of each
dev Asia
to bMhV period, we apply the dal periodic rate for :edit
ephhetx of you arrant m dos Were of each
seghherd. Then ar dos anti of de period, we add up
dos nabs of car daily mlnMdar to amve et yaw
period[. finance charge fbr We
results from each milimma, five: Merge for your . got the
a it. tow ter each segnas of your accoud, we take the bsdmkhp
balance for each moment and add my now, tramsectione
t Does nos epWy to consumer noa- ra& card accounts
d Does not apply to business nor arch eard accounts
Ono supports Mformatan privacy protection* see our
at www.capulane.com.
One is a federally leglat?s service mark of Caphal
wxdal Corporation. AN a 2003
one OILOLBAK
nth
sum"Ma next to ire
and ANUpaaALttePERCQG' rimWAGE Uie TESmay
wry M=V =my h msem a decrease based an the
anted hdiom, as loud in The Wag Sbeet J..4 plus
the mardn previously daelaaed to you. These durhges
wR be atisedve an the prat day o, your tlaitp Penal
each month.
4. Aasasrrru W Late, OM%* and RMnntl ==F,=
your accent wR its assessed no more than Haw =art
cover dusrip arty tlWng period Under the
term. of your customer agmemad, Yee reserve the right to
waive OF tat to asaee eery ter vAthod prior notlllcation to
without vwivkp etc doh to assen the sane or similar
at a later time.
6. Your Aaaamd. If a msmbaNtp fee
appesn an the from of Ws warammt, you have 30
deya from iha dwa Ws aratemmt was maBed to you to
avoid psybhp the fee or to have ash tee .-died to you
if you cancel you account. During Ws priod, you may
continue to use you acceun vdNout hawing to pay the
membership fee. To coned your account, you must
notify us by railing our Cuatemer Relations Daprtment
and try psdode firioe dnargs Z="- he gravies
day's bdaros for Uot aeprrd. rx my and PaV u'New Bsianee• "M"==' e
mamborahlp tool prior m Ua end tperiod.
t
t am
M eel 8.
N
Y
R to dose
o
P.
oa Ch- Yea Aeaaun.
? an
r
c
e
b
us
c
ove
ho
ThThis r t
y
y?a
uu
os
fa each egnent of your acteuht. NowsvwI if you ppssld the
i
Now Bela ce sho
vi
a
t
hsl ( Department. Y
t must destroy ==
d m(s) and
t
d
k
si owi
n
wn an war pm
ehrhad
or
ou
o
if you nowt balers was zom or e ctad, -mount), now ze
secan
access
uc
s, une
ng,
and came tatirhg your accen,. If you
o net cared
transactions winch post to your purdee or spocid v
preauFadzed kllBng anergementm, von vdlI oadder
perdue aegnenm em not added to the daily balancers. Wo
We latr, the svere
b
dais b
l
dinin
g th
c
g mcsip of • duryp You autMrizaUm toreopen your
e
canl
Adrild
[ vAN
t b
d
d
{p
y:
a
ance
g s
e
a
y
baler:: tagerlar and cav&V to sun by the amber of c
.
y, your :man
no
e
ose
anal you pew all amounts you owe us includeha my
the rays In the anent baling cycle. To ralctaate yam tad transadions yore have authorized, finance chartist, paw
finance charge, mddpl yam average elegy Dolour by th
dW
eriodc ram and b
h
f d
bI
t
M th due tees, ovemmlt tees, retuned payment tees, cash
adv
n
f
nt
d
b
d t
y
V
y p
e nm
sr o
ays
e
palm. Dee to madnig an a daily basis, .hers .nay boa
ca or
a
ce
ee a
my o
ee ::ree
o yaw
oeco nt. You are responsible ter dheea amainn waathar
atgm varianee between this
ution end tie :mount of .fay appear on your eccoum at the Ume you regrew ,o
' You
finance dwa?. scauaty trammed. dose the teen or they em M r d a
rat ,o
b. If the code Z a N appeam m the fian of IN, staanml your roqueat to dime the eccoun. TNm may roaJt in
raved mBelerm Ras Appfied To: we multiply tin ?., durpoa ap?oadrq m you`acmaan aha` you hew _ .
7211M
h rht?? : Pr?? you real to us vdg be crWtod to your amwn as of tM buwkaas 4y ws receive w provided (l) You send 1M bottom portion of .ten sutanan era you deck
envsiape and l21 Your pa}sham la recalved h err proopslrhg candar by 3 p.m. ET (1 f ram Pn. PNae Your at leave fur (6) buskess aye /m pwtsi bllwry
Paymanm teoalvsd bl' us rt mY other loeallern or M my our tom maY rat 6a .reduced n of tM cosy vw ncdw dam. Our bukaw drays tiro ManGY tlrardh SatadaY, sxdudng FaFGyn.
Pleas do not cans staple pap. q?s ate. veil: pnp?rkq yeti p rn. Whwi ya std us a eheeT:W, you audadzs w to teaks a aw-titna sieclradc trarafer debit hen You Bantu
accaad for iM amaan o/ tits daek `fhM aWnodxaUan appal to a1 decks received Adrp tM NIWq cycle even if son by manoone vim. If wa cannot prcaess 1M trarstsr, ya auhodzo
us to make a dregs agehw Wur brut accoun using iM Hack, a paps draw a chit ware.
Financial difficulties? ca,,
We can help! a lisaftMyotirmism?,
Your account is over
3o days past due.
• Good credit can be important for getting an
apartment, a cell phone or even a job.
To avoid risk to your credit rating, call
1-800-955-66oo to use our free Check
by Phone service.
• If you prefer, simply use the payment
coupon below.
If you have online account access, log on to your
account and pay now at www.capitalone.com.
The purpose of this letter Is to collect a 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 $587.65
Payments, Credits and Adjustments $.00
Transactions $63.49
Finance Charges $10.12
New Balance $66126
Minimum Amount Due $16126
Payment Due Date November 15, 2004
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To oaB Customer Relations or to report a list or stolen rack
1-800-955-7070
For free online sceoum service and spocW outon- offers, log on to:
uww.npinlone.com
Send Payments to: Send inquiries to:
Attn: Remittance Prooeuing
Capital One Services Capiral One Services
P.O. Box 85147 P.O. Box $5015
Richmond, VA 23276 R16mond,VA23285-S015
Important Account Information
Want to make a diffarnce 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
4862-3623-2057-3515
SEP 16 - OCT 15, 2004
Page 1 of 1
Payments, Credits and Adjustments
Transactions
16 SEP OVERLIMIT FEE $29.00
15 OCT PAST DUE FEE 29.00
15 OCT PAYMENT PROTECTION 1-888-527-6904 5.49
Capital One is proud to support The Heart of America* Foundation, helping children learn to read,
succeed, and make a difference in the world. In 2003, we gathered nearly $1 million worth of books
for children in need. To lean more about how you can help a child make reading a lifelong passion,
visit www.heartofamerica.org.
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.
You were assessed it past due fee of $29.00 on 10/15/2004 because your minimum payment was not
received by the due date of 10/15/2004. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
1'llmce Charges Plexe fee rmQJQ jhk* 1mtertant infamatfon
Adewnrr & Pamir 0-M-11-1 WE
gppfudro ras, R
PURCHASES 862152 .05425% 19.80% $10.12
CASH 8.00 .05425% 19A% 8.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT
CX 0000000 0 4862362320573515 15 0661260216290161262
New Balance $661.26
Minimum Amount Due $161.26
Payment Due Date November 15, 2004
Total enclosed $
Account Number: 4862-3623-2057-3515
Street Apt. f
ory Suu ZIP
Home Phone Altamte Phone
#9029045608401512# MAIL ID NUMBER
Capital One Bank 1177D MILLER
OARHILLRD
PO. Box 85147 Isininllu9?rlllurl ,?„
R . ichmond, VA 23276 w CARLISLE PA 17013-8929
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PTeme wite yore aaount nianber om your rheel or money order modepayable to Capitol OneBank and mail in the emrlared enaelope.
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to. Grow Period. You will haw i minimum grace period of
26 days without finance doge an now purchases, new,
balance fosters, new, special putloses, and now other
dnarow if you pay ytr told 'New Baler % in
and In thine to beocnd Nodce for Payments below,
far it d
There by ssaremnens,
I no . In daln, tere h grace period
sped 1 trasfers
an my trarrectbn If you do rot pay the total Now
Wants,
b. Aaenalg Flames Charge. Trarrectia s which am not
adb)eet m e gnuo period n assered finesr dor{p
from the
tran der claw of tlo fed to to your m 21 unto the
transaction pr tl
r y of the Vent bill or 31 from the
fits calendar day of the w Sal b c- period Adddaoly,
I?f? rid not pay tlr'New Balarre: flan the previous
iyyoouu g period in Ad, finermn dergs rondrxs to accrue to
year unpaid balance ud1 fro upaid balance h paid in full
Th e mesa dial you -y eW owe Marmes charges, aver if
you pay the enxiro New Balacee indn[ed m to from of
your stationers by the nog atatermennt cloWg date, but rid
nor do w lm tes preNts madm. Unpaid lhsroe charges
tc. ell added m the apptctlNS segment of Your Mean.
IlYrbraedr Fk- iyrargs. Far each bNng pedod that
Your account I. wWokt to
s lkwmce doge, s mWnasn
toW FINANCE OfA E of $0.60 will be knpoad If the
total Mao Marge Fossil a from the appBeatlan of your
pedode reels) Is ka then }060, we wV stbtrsd tlot
amart from tits $0.6s0gnmiatkrrram andrthe dffermos Will be
t d. ?w purchase
Roohd- fin Flruaoourgw Wa reserve to
Fight m alopttdaaees any or all fkerwa charges for my iiwn
2. Avenge DsBy B- I- - - New P...l.
a. Rrwce chame is calculated By muldcMm the dally
by d.
ppeeriodc raw. To obtain the average daily balance for the
Ming penod cevaed by this stem seem, we take the
bedmkq balance of each == Y, add any row
immeacti" w eadl sa?my Payments
or credits. (Ii the rode N eppesm m the frail of tin.
natemmt next to 'Balance Rate Applied To,' we alts
slttract arty updd Jicmce Merge Included In the bolaxe
01 each .) TNs gives us One doily balance of each
sopnant, up all the dal balances for each
am for and 1vIFIa by ft lold
number of days htl 1M bilpno petted. Tats gives us the
average awry fount. of aM segnmt.
3. AneH *A ge Ron. Percentage
Too term t 'Annual
a. Rate' may appear as
'APR' an the from of of ( Ins statement.
UBO.
b. If P Film), L
(Bonlu L CPrima pear C IChmte
two amas S CBmium Prime) o appear the Mom of
f
Deposit),
two smammt act m the pedocie , ANNUAL N to pnA
row and q ANNUAL res OWA RATES
maY vary quart red may heroan or m decrea crww bread
on the entail Mcee, a tared In TM Wig Short
Jaa.al, plus to mrgh c .oudy dedoad m Wu
TMa W1 beby a w an to Jim day of Your
N1hp eD=md your pedodc statement ending
in ate mande January, April, Mil and October.
c. If the code D IPdroel, F 11 ? .LIBOR) or 0 (3iro.
LIBOR Reproved Madly) cep m an the foam of Year
.Foramens preomrndwr?the patt.dc me(p tlme ppeedriooddC rata
and eorrapandre ANNUAL PERCQi A E RATP3 may
wry montNy aSf meal him= m decrees based m to
erred indices, as laud h The Waal Sheet Jbir plus
the margin presiaudy dsciceed to tau. sa dnangas
will be efecrive an to Jim day of wmcrTh=", g period
each mach.
0. Aaessarant of dote, Overank and Round Paywst Fee.
Your account will be aasseM no mom then two of to fees
listed hero that own drkp any bgling period. Under the
tame of Your customer agreement, we ass- the dqM to
waive or not to assess my ass without dot nedAatim m
vA walying ow right to eaeaw the amt m .1 liar
at a Ina tae.
Si Your i;nunt. If a moonberdlp fee
appan m fns from of dale statement, you hew 30
days from tna dote 1Na statement was mated to you to
avoid psyirp the ea or to haw such fee cmdted to you
if you cancel year acwmt. During ilia period, you may
continue to use you acrotrd wither M to pay the
membership lea. To caved your aeemrm, you rood
notly us by calgnii our Custanor Relations Department
and pay your New Balance' in full (excluding the
memboreNp lee) Prior to the and of the Wily-day period.
S. R You Claim Year Aaesus. Vou can is wit to dew
yyoouu recount by uokp our Customer Roied.
oepono-. You run destroy your credit cerd(sl and
accent see- doclu, annrol eat proauthadzed dlllhp,
and craw uekg your octant. If you do not coned
proauthorized bblrg ananpontents, we will consider
receipt of s charge yea auhorizatlonto re
open your
aceaud. Addriauly, year secant will ., be dowel
will you peal all amomte you owe w inducing any
transactions you he" audiorized, Twnro durga, Paa
due fees, ovedmit ass, resumed paymem loo, ash
advance lea and early other lea asoeseed to your
account. you am mpmatLe for dose amours whether
they eager m Your account at the time you request to
close the ecoanl or they aro hwrred sbeeguem to
your request to dose the account. TNe may result in
charges mPeedmg m your .-t .her you hew
your account If it has already boon dowd For exsmplo,
if you ssfodzed a predoae from . rawc art and we
Food. the [raWttlell 1ren11 is mardia t after your
access, has been dosed, your account will be reopened,
to Swoons of the alma will be added to your access,
and you will be respeW le for payment. If than Is a
membership fee for year swan, the fee will caudnw
m be dmarged, to 1M oxmm pmakmd by low, until to
swan Wlsrce hn been Paid In fill as defired above.
7. Uahg Your Aeaeut.Yer cad or account carol be
used In connection, with my Hemet gambling
S. Nod- Abort Fgeabards Chock 0mvae6n. When you
provide a dock as parent, you auhorb. us althn to
use Information from year discit to rake a aro-tkne
doomonie find uwwfw from you bank ocrout or to
process the payment n s dock traroad- When we
use Iriftimstiort from yam dock to make an slactranic
herd transfer, pads may be wmndno" from your bank
saw" n soot as Five awe day w0 receive
youf
WMor's, oral you veto rot receive Your deck back from
yam Jiarndal knNnrdon
BILLING RIOWS SUMMARY
(h Case Of Enore Or Qussdcrro About Your BPI)
If you think Your 611 is wrap, or if you need more
hemutm m. tra m d on a bill, write to us an a
sepanu sheet as scan as possible at the addrea for
inplria shown an to tram of this statamers. We must
hum from you no lour than BO d•r attar War stem you the
fir bill an wNch the error or prodo m appeared You ran
call our Customer Relations ranker, but doing w will not
pprrseaesrrww your dgtss. In Your former, ghw us the fdkFivi p
6nsam ilarc your awe and aewun nu bet, the dollar
amourn of 1M ampect6d
an an asp flaatlen possible, of Wivdryry yuku be1°fmww them is
m error, a If you need mom inmmmatlan, a description of
the ham you aro dude abort. You ddonoottyhe- to pay any
arc sstiY obligated H ln sy
payy the parts o1 - ?61f Ithit am not
in gusadorn. WNe war I mmen m iota tsaallon we cemot
r.POn you a deWuqusrmt or take my adten to rwgea the
amen yen quearim.
1,t Special Rule For Credit Cord Purchases
If you haw a problem with the quality of property or
you nd you
heed loons taiga toMcomect the 1 and a
merchant, you ma the ftN not to pay Mth do
pay the rmtaiNrp
amend due an the ny or echoes. You hew 1Na
prolftilm
60.00 end the purdsse tau armada„um your hero state or
v"in 100 miles of your mall" oWmsg. (if we own or
oporate the merchant, or if we nailed you the
advert eemaw sea the property or services, ail purchases
am rowred mgndea o1 anent or location of purchase.)
Rao remain r to sign all comespornderce.
t Does rot spPfy to consumer ron-aed3 cad -CMWs
3 Does not eppty to butboss --ft card accounts
pdv4cy promotion: see our
rod service mark of Caphal
his reserved a 2003
01LOLBAK
-9 ss of your accent to tow balance of sech
os Than at the and of the paled, vs add up
co t
to
periods f.. W FD. fm each .Oam aid aerial up the
molts from "ch seQnart to arrive at too tool pedodc
tkwnce charge for your amass,. To got t ho deli balace
for each angrom of year aceous,, we take the bep1rbg
balance for oad'r Ma ?rymentea w " try X X ?s
days balameo rte tMt sa{Ftws. We dill bri Wb raa my
Psymaw or credits ported a of tot day that am allocated
to that seg nom. Tats yws us the separate doly balance
!bus 8denceu Aownof
Your "c'urs. you Previous auterro you hlli(a,
If Your row balance was zero or e credit amass,), now
trmmctiona which pass to you purdoae or spacial
purdiess eogmats am not added to the doily balmmoes We
rakalato tlo avorooe dMyy__Wanee by addng as do Loy
bsaces togBter and di, the sun by the rarnbw of
the days in do CLFMM b16g cycle. To calculate your total
dor0e, M.W yourtoaveraoo deli belamco bV the
rbdc ram am by o raanbar of day h tM dlWmg
r
Dus m rtndrp m • deny bads, tlcre may be a
finance Choy, between die ed ftsion teal the am be of
b. It the code Z o =T fray of We stelow s
meet to 'BSlace Raw ApPUM To: were muliksy the
13634M
Impatart fiotlae: Paymuc Ycu mall to us will M cradled m your arooumt a o1 the btsaksss ay eve rsxriw h, provided l1) you send throe bottom podm of this satemem and yam duck
h tM erndooed remittance mvalapo and 12) year peysmras le reoelved In out proassbno Amer by 3 p.m. Ef (72 mm Pre. Plaaw Wow n Iwo tw (6) bwkon dsya ter penal Mtlwry.
Paytcme ssttslvW W us a teal oqql iMIppsr locator or InWprapmpesY Minya tan ymmY rmot be cyndted_ a of 7M day we recNw tam. Out bkwkmsse deH aro MadeY turoudm Satwday, esogWrg hoodeN.
?ixossurtmta tlts?ama?nssof uts?dreek rT N a nto izagai a?pplle?e to II d?eelk?i ieeMOUwdaMrdri us?deckW, tau awwdz. kt m make . anatkn. eearait tra,eer aeblt Tani yam bmk
us to make s doge agalcl your Writ at00tsm trakp fro dock, a paper Main a cheer Item W1rmp side awn if Sam 6Y aomecns ale. It ka. coma prooew is tracer, you authorize
Financial difficulties? "I
cap?ita?Qne-
We can help! vvlsan In your wA1,111*01
Your account is over
3o days past due.
Good credit can be important for getting an
apartment, a cell phone or even a job.
To avoid risk to your credit rating, call
1-800-955-66oo to use our free Check
by Phone service.
If you prefer, simply use the payment
coupon below.
as 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
0 2004 Capital One Services. Inc. Capital One is a federally registered service mark. All rights reserved.
Account S
Previous Balance $66116
Payments, Credits and Adjustments $20.00
Transactions 334.71
Finance Charges $11.12
New Balance $687.09
Minimum Amount Due $187.09
Payment Due Date December 15, 2004
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To all Customs ReLtiom or to report a leer or nolen --&
1-800-955-7070
I" free online aeeoum orris and Special. customer off-, log oa to:
www.npitalone.mm
Send Payment. I. Send inquiries to:
Atm: Remimnoe Proeft
Capital One Swim Capital One Services
P.O. Boa 85147 P.O. B. 65015
Ridrmond, 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. Lau payments,
missed payments or other defaults on your account may also be
reflected in your credit report.
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
Payments, Credits and Adjustments
OCT 16 - NOV 15, 2004
Page 1 of 1
1 08 NOV PAYMENT RECEIVED - THANKYOU 320.00-
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
2 15 NOV PAST DUE FEE $29.00
3 15 NOV PAYMENT PROTECTION 1-888-527-6904 5.71
-C ital One proudly rts the National Youth Anti-Drug Media Campaign.
PARENTS. THE ANTIRUG.
Stay Involved - Ask Questions. To get the FREE booklet, "Keeping
Your Kids Drug-Free," call 1-800-788-2800 or visit www.TheAntiDnig.com-
As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps
your 2004 charges. Pleam 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 all 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.
You were assessed a past due fee of $29.00 on 1VI512004 because your minimum payment was not
received by the due date of 11/15/2004. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
F'manee Charges P/earene revnn ride* important infmrnation
Bdmuerde Po+olr 0--re, CHARGE
ye:114ei o rdr
PURCHASES Sti61.49 .05425% 19.8096 S1L12
CASH S.00 .05425% 19.8096 S.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 15 0687090020000187093
New Balance $687.09
Minimum Amount Due $187.09
Payment Due Date December 15, 2004
Total enclosed $
Account Number 4862-3623-2057-3515
PI-P-t-der e&.- -r--dd-ge.kln,ar,VW. -R ka&
Steet APL e
Gry Sure ZIP
Home Phone Alternate Phone
ft-- #9032145608401515# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147. itlulnllnltltllutl N ®! 177 OAKHILL RD
Richmond, VA 23276 CARLISLE PA 17013-5929
lnlalullutltllurltllullutllstill III ulltlnllutllnlrl M Ituiliurllluunllulltlultltluulrllrlnlutllurltllul
Plexe vniteyo amount number ea your dh k or-my order ma&payable to Capital One Bm,1 and mail in Nx mdxed rnvelope.
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SIMMONS
fooloolooso
8
O `
O ulna
,i7Vl
1' a.?lrsa Period. Vm wi lave i mrYmm prat period of
25 dove without chance the on now purchases, now
balance transfers, row epedY Purc aam and row other
Barges if you pay your total 'New Bales, h
secendenhce vault Aa hpotum Notice for psymonce below,
and In time for it to be credited by your next aaternunt
=11 dots. There is no gram period m cash advances,
edal tmwfem. In edition, there is no grace period
on sty trarraWon If you do rot pay the total 'Now
hrra'
h. Aaceemihy Finance /Tarps. Transactions which are not
eLJxt mda ste of tl gheesPef ril sre a-:VMane dwpo t)
tran Utti
an
to vent A21 hen the data the
first calendar Is processed d cuffent Account or 31 hen the
fir Glades day of the ow, Balance oslly,
if you rid not pay the 'lbw horges from mm the previous
soot
billing period In NI, Moms dapped ?e to amnn to
Vaud utPekl balance u"rd the tnpakl balance Is paid in full.
TNd meats that you may all owe titan dtotga, even if
you pay the entlm New 8alan Indicated m the tench of
yap ante .m by the none sutanren t dositng dam, law rid
rot do so for the previous malt. Unpaid finance charges
am added =%=. sag ex of your Amour.
t c. Miirsda wsY?pt?se?ctFor each Willing Perod that IN 8 a.,
r d Flll4Nf:E CFMROE of AO.60 will be?knpord. the
t.W Sr- Wigs naJtrw from the ad
It from to $0. dm o ctr
?e M.FA is than nikhkmnm inhd wor the dfferare will be
hied to the Pudws o--I-
td ay Roolue en i==:: We reserve the
dgi_- m tat r rse any" aA Amrne tderpe for any given
ElYirq Pel{od covered by the natemen, 'we Uke the
begimrhg 6alarhce of each segment each day, add any now
traraeWas U each segment, crud subtract any Mymau
or crod s. Of the code N opposes an the from of this
autemam no# to 'Balare Fine Aotlied To,' wo rive
subtram any upold Ararrce durpe urisd h the balance
of each segment) This gives u the dally balance of each
eognad. Then, we add up all IN daily balrme for each
segment for tba boring sealed and divide by the total
number el days in the np pedal. Tine gives u the
average deity baisnee of each segnem.
3. Nasal presntge Rohs (APRI•
a. The tern harm al percentage Rate' may appear as
APR' an the imm of the statement.
b. If the code P (Prime), L (3-rno. LIBOR), C (Certificate of
Deposit), a S Mankeod Primal appears on the from of
this statement next to the Pedodc M ' the pedals
rates and cortaapatiq ANNUAL PERCENfAOE MTES
may vary quarterly anndd may Yatase or darasee bleed
on da doted Mcm, p fam In The W.0 street
J..* pins is msrom wen ry da9osed to you.
Thos do n veil be efkctw on the AM day of your
Mira pedal cove d by your polodc statanmt adng
In the m.b. January, App, and October.
c. If the code D (Puns), F 11-roo. LIBOR) or O (3-mc.
LIBOR RapricW ManMy) appe?n on the from of you
atatarn nhext a the psdadc ntaW 1M wdode rata
and oarerpm6q AMiIAL PBICFdeer,, bblocmay
s
ern mamiy an?m.r ktc rerea Scrawl assi on uthe
stated the Margin p r"joly disclosed to
charges
will be eflecdve an the trot day of Your Mlk g Period
4. Aaspantant N lab, OV~ and RaanUd PrAhwhk Fap.
Your account will be "paned no more then rho of the tea
Tined here that era during any bg" pared. Under the
term" of Vosu aMana agrearhart, we reserve the fight to
waive or not m asaep ary rep w/Maa paler notification to
without waiving our dght to asesaa the am. or crimp.,
"t ¦ Ines time.
5. Yeu AesanL If a mambsnaltip fse
appears m tie front of this Matamem, you hew 30
days Fran to date this natemam was mailed to you to
avoid paying the The or to hew such fa credited to you
if you Gruel your AmWlt. Dudrp this period, you may
cortffias totea.tae Vcor Account without having to pay the
mambo To eeneal van aecam, you rut
notify es by GIYng our gataner Rslatiam D.Mumem
and pay yap New Balance' In full (excluding the
-day period.
mombentvp fa) prior to the end of the thirty
8. H You pea Your Aeaant. You G regaeat t: o dose
yyoouhr acceaht by GW11g ar CL.-:r RNadoa
Oepamm. Vou rnunat dsstroy your credit cam(s) and
atxoux access checia, renoei all preautlafized hYlirq,
and cease win your accent. I1 you do rat csncei
preautierizaed 6111rq arterhgernams, we.11 consider
m:alpt o1 chat. your eutiafization to reopen giver
account. Addtlora You amain At rat be ciped
udl you DaY NI emoums you owe =1 ludha arty
Immaalar you how sutheriza, charges, past
dins fop, owdimit tees, rerhnnrhed payment fop, cash
advance fee" and ay War fees append to your
account. You am respahalMo for these "mains whether
they appear m your acoam at the tree yen requn to
cop the "seam or they see T .- n
you ragtnn to dose the account. un. This may may rosdt I
In
chames apeadng on your accent after you have
your account if it has already been dosed. For example,
if you ntCndzed a purchase from a mercMM and wo
receive the transaction from the merchant after your
amount has been dosed, your ec scum veil be reopened,
the ante utt of to charge will be added to you account,
ady wi be responsible for payment. If there is a
tnerrtbeslttp fm for your mcoUH, the fee wor continue
m ba ChBX, to the eamr pertrtitUd by 4w, cavil the
M es de8rad show.
aocou- bdertee has been PNd In
7.leeg Yar Amout.You card or amount cannot be
uedln connection with any Intarnat gambling
transactions.
8. Netles Abaft Ilasdads CMrk Cartarelan. When you
use knfoa M kfrom ? died to ze uanrtk?te m
el
proome the ecnordc fund a transfer iron your, errant a m
use Information from yaw drek mff? an electronic
bard trwfer, find. may be wordrewn from your bank
sates- as soon p the some day we modVe your
y ?r receive your check back from
RIWMO RKMTS SUMMARY
(In Case Of Frron Or Questions About Your NO
If you t1Ynk yap bi is wrap, a H you need mac
Iniom d. m a trars"ctian a 611, wale to u re a
sgstau else p soon as posa6is at to address fa
IngWda eleven m the front of this statement. We must
has faun you no ister then p0 dsys ifta we sent you the
Am MI m which the amen a Prahlero appeared. You can
cp?laelseoeruNrveeCustmra Rdetlar Manber, but ding a)will rat
I ME right& in jeurr home M exam nQjva u ber, the the odMMr°
niamatlaM
amount of the st_, If d erne, a description of to error
and W erplerutl H poWhM, of vvAAryry you hdbve Hero le
m ertor; or If you steed more Inbmatlen, a desedptim of
the item yttu are unsure about. You do not hew to pay any
amain In quenlan ,v;t a vss are it, but you
are still oblgV to pay the pans of your that are not
In question. NM Is we invoodgte your µrestim, we cannot
tenon you p dWMPsshI or U any salon to edee[ the
amours y'ou quneWm.
i,t Spo" Rule For Credit Card Purchases
It you taw a problem with to quality of property or
heave riedd it, = hh to mrtect pioblam wish the
merchant, you may taw the right not to pay the remaking
enrho nt due m the for sty or services. You hew Ihis
poteWm eNy wlrrh the purcJasa price was more than
460.00 and the purchase was made a your tame nano a
within 100 miles of your mailing address. Of we own or
operate the merchant, or If we
if we msYad you the
advertisement for the praparry a seMcea, all purchases
are covered regsrdese of smaut or location of puniness.)
Please romember to sigh all correspondence.
t Does sot apply to consumer sea-cradle cad accounts
Y Does not apply to business -ten mdit card secoun
privacy protection: see our
red service mark of Capital
Ms reserved. a 2003
01LOLBAK
AVayi Daly Mein- 1YWaM? Mr.=_ l.
a. Finance charge Is caialated by the daily
your account Wil, advance, tpurdrse, aPmelttnarsler special part-)
by the corresponding dally periods -WW that ha been
Provlody dadesed to you. At the end of each day
the, bll&hp ceased, vue apph da dub Paladc rsU for
aegnant of your aoeant m the dbMxystgWahea of each
segment. Than at to and of the period, w a anti up
the malts of tea ddoei calculations to amve at your
roslU fran eadndpgnant m:_r mule We add Lipodca total }sumo tierye for yap stxeut. To Oa thedayy ri? di?c
for each septa- of yap "mast, we arks tla begnwtg
balance fa each sagrm- end add aaWW row transactions
and Anypanbde Arwao Bergs eslal"tsd m tla prevbu
dry s bafatce tot tst sagme t. We titer subtrua any
m t?segmen?This d? vse of that e the sope setsU that bd?es
fa each segrmx of your amour. However, If you the
lbw Balance .lawn m your Previous atarema- h I (or
if yae - balance was zero or e aadt amount), now,
tmatscliom which pat m yap purchase or special
Writaft mgmentri not added to the daily bd-
Were the am average dallyy bdahm adding r the daily We
ea
balances together ad dvldng the sun by the number of
the days In the armt billing aide. To calculate your total
daily balance by to
finance chortle, muchply cur avd, falls
defy peduo t sae -1 by the
narr6e of days I. the billing
pedal Duo to ma hV on e dolly bale, there may ba e
dig- vadaae be. the a I- Wtsend da errant of
panne rMrpe ecnsly asessead.
b. It the code Z a N appaem m to from .1 Wa eatemem
no# m'Baiaae Ram Aodbd To.' wa mhatWV the
13752M
trhpwtat Notes,: Paymans you mall to u wAl ba credte0 to your acoaan as o1 the bualnm dell h++ receive h, proNdse (1) you send the bottom poman at his statement and your check
h the enc?lesed ramktanoe mvalaps and (2) your payment Is, received h our cents Dy 3 p.m. ET (12 noon PT). Pease Blow at last 1w 15) bhnaksss toys for poaW deYwry.
Paymam recalvW by u at arty other location or in anY odes tam mall no w created as of 1M MY rve roaster 7Mm. Qr budmw days are MaWY tmotgA 5atudAY• ezdudng lrolidaH•
Phase do not use 6lalip paper rips au vtherh praparktg yotn W ant. When you send a a dacYtisl, You attdtorize ten to make a arhatkna OIACIrarYC vamhr debit from your Whit
accent for the amount of the deck `thin atrYhaizatim applies to a1 decks roeaived dudrq the Mdkq cycle even h eem Dy aomeam ales. It we tamer procees the tnmter, you audadze
u m make a large agelmt your bank aocam uirq the deck, a paper draft a other ham.
027
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PLATINUM VISA ACCOUNT
4862-3623-2057-3515
Account S
Previous Balance $687.09
Payments, Credits and Adjustments $.00
Transactions $35.12
Finance Charges $11.27
New Balance $733A6
Minimum Amount Due $233.48
Payment Due Date January 15, 2005
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
Atyourservice
To esB Customes R&tiom or to report a It or tolen card
1-800-955-7070
For free online w um service and special antomer offeo, log on to:
www.npitalonncom
Send paymenu to: Send inquiries to:
Attn: Rcnitt n Proaning
Capital One Semm Capital One Stnim
P.O. Box 85147 P.O. B. 8501S
Riebmond, VA 23276 R16mond,VA231854015
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 rune in to ABC to watch the
Capital One Bowl and see which mascot is crowned the
Cap"rtal One National Mascot of the Year!
027-0402
NOV 16 - DEC 15, 2004
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 15 DEC PAST DUE FEE $29.00
2 15 DEC PAYMENT PROTECTION 1-888-527-6904 6.12
'You are a valued Payment Protection customer and may be eligible for benefits to be paid to your account in
cases of disability, unemployment, and death. If you have experienced one of these events, please all
Consumer Membership services at 1-888-527-6904 to we if your situation qualifies for a claim. Your account
is 60 days past due and your coverage will be suspended if it reaches 90 days past due, as stated in your
Payment Protection agreement
You were amessed a past due fee of $29.00 on lV15/2004 because your minimum payment was not
received by the due date of 12/15/2004. 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 Pkxesee ravers ridsfar important infwmation
]tdsan rote i'9riolie d
PURCHASES $69252 .05425% 19.8096 s11.27
CASH $.00 .05425% 19.8096 $.00
ANNUAL PERCENTAGE RATE applied this period
19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT V
C? 0000000 0 4862362320573515 15 0733480020000233487
New Balance $733.48
Minimum Amount Due $233.48
Payment Due Date January 15, 2005
Total enclosed $
Account Number. 4862-3623-2057-3515
Capital One Bank
P.O. Box 85147 lrlr,illuuullrl?lrl
Richmond, VA 23276
IrrL6tllndrlLnlrllrtlLnlhrtllrrrrrrllJrdLr?lhdd
P/rmrpnRt>?gaJdrna? r-tai/rAwr;rr br! unngb! orbtark ark
Seat Apt /
My Sna ZIP
Home Phone Almaate Plant
a
F.,U Add-
#9035145608401512# MAIL ID NUMBER
MANDI MILLER
n 177 OAKHILL RD
m CARLISLE PA 17013-8929
a
? LnIllrrdllnnrrllnlLlolrldtrrrlJlrLrLrdLrrLILJ
Pleat uriteyour aaaant nuwh& on yo dbsck or money order nradepayabk to Capital One Bank and mail in the rndatd envekp,
Send us your eeamail address so we can better serve you.
Even if you've already sent us your e-mail address, please fill out the form and return it with your payment.
We want to make sure our records are up to date.
E-mail address:??[I??????000000000000000000000000
Please p
ILLEX 402352320513:0.5
Name: Account #:
Your privacy is protected at Capital One. You can feel secure knowing your e-mail address will never be sold or distributed Without your consent.
For more information about our privacy policy, please visit http://www.capitalone.com/parent/legal/privacy.shtml.
®2002 Capital One Services. Inc. Capital One Is a federally registered service merit. All rights reserved.
1
a?
tag
aL?
Z
OR!
Nub
N
1. Hove To Avtt(d A Fkree Chap.
i'a. f)roos Prod. You veal hews mkimun grace period of
26 dsys without flrronee i Me on row purdrse s, new
6elernce trawlers, row special prrtlneee and new aMr
dents. If Vou y your total 'New Balance', In
OW h time pr It m be kniportom Notice for paymarw bar-, crodked by your rune aatenet
doakng Mp. Thare M no grace period on cash advances
ad spetlai tnnefers. In, addition, them Is no grace period
on any trorecUan if you do not pay the total 'New
b. Amwub g Fbnes Charge. Traneactlare which are not
h ?tlr dsm fo?ttr t?isnaaetlmafran the dats?thel )
transaction is ptoaeased to Y" Armutt or 3) from the
first Wader day of the carat haWr? period AddlkneNY,
If did not pay tine 'lbw Bslarnes from the previtos
being period In fW, firnarnce Wrees cortktre to scone to
C., unpaid balance nth the r pshd balance 1. paid N full:
This chase that you Meyy MM owe firers denges, even If
y- WY the asin New Balance kndinted on the from of
your ameasseert by the now matennsed doairno date, but rid
not m
ate o pmvtnar march. Unpaid finance cl ges
added
Yo A?ut. Fb- each Part
c dd e to the theaa?bleecctt rvr t of
t petal MANGE mosount 1. to chortle
total lkonee W from line applrrden of
periodic from the Iwo 30.6 wAa abr?ett tlMt
the diffce, win be
baled nt ro phe s se?nernt of s ass
exas?
t I. Tospasy Ralrtion in FYnanaa ararge. We resew the
41t to rna assess any or ON stance charges for any given
2. Ayrayi belly Bslana
a. Rn c' W rp b u
balane of tam Sag
ad-, perch-,
mars! "a'" I" parka, we add tp
pacdriocic rate. To obtain the average deity balance for the
h?ifit? pe clad awred by this statement, we take the
=X balance of each segment esch day, slid any new
tnmaedms to each sogment, and a."FM any pa/ments
or eredite. (If the code N appear m the teem of War
at. ned to'Bdanee Rate Appaed To; we stag
subtract any upaid frnance charge 1, uded N tha Wlarta
of each .) 7NS Biwa w the deny ba4rnce of each
a wkq ai-4 awx°ibyl ? ? each for 1ha rtarder of days N the period Thin awe is the
average daily balance of each ssig ern.
3. Nntr Paeruapa Rase IAPRI.
s. The term 'petrol t at ate this Rate' may appear ere
APR' on the front s statement.
b. If the code P (Prime), L mo. LIBOR), r C (Che fkem of
tlapWU, or S andac n1nd t m titPperio appears an the front of
this satanond ned the peubdc rap(s). the perkdc
rata and rre.orndirp ANNUAL PERCENTAGE RATES
may wry qus? rledy and may hteroass or deassse based
on the acted btdicss, as laical In TM Wa3 Street
Journal, pka the margin yVraviotedy disclosed to
you.
These nuW be Nbctlw c the dint My of yo
Main, period co= by yea pedodk asement andI ng
M the made Jatery, Apa, Jdy and Oaaber.
e. If the code D game), F (1?rrro. LIBOR) a 0 (3-(3LIBOR =I=d=m the from of yoter
smutty up(s) 1M pedodc muse
and ANNUAL P13iCEtr/A0E AAT6 may
wrv."+ndmey in . or depressor based an the
me rruepgrn preweury amassm to you. 1 Hess tlnernges
Will be efkeave on the fins day r Your bWtng period
each marsh
4. Aaaaaa-* of beta, Ovratrtk arl RaaarW Payrsnart Foes.
Yo account Will be assessed no mom then twtl of the fees
limed ham that occur dumng any baling period. Under the
lama of your customer agreement, we reserve the dyn m
w I- Of not to asseae any face Whitton prior nOti a m
you vWthwt waiving our dot to assess the Same or almaar
fees at a later 11
me.
6.tasowkng Yo Aaeeut. If a memWrNip fee
appean an the from of this statement, you haw 30
Myer ban the date this statemom was maned to to
if you c. yythe oou:'eoewmtml r pmW: PoeM"dd tyheontoyouoyaayu
catrnue to use Yout arooun witleul having to pay rime
mtonbersh(p tee. 7o caned your sa¢ant, you wt
rp8ty toWWby allirq our Customer Relaama Depmanman
memb?'mNp fee) pric, two as (end of tthe Wny-day period.
8. N Yau Clsee Yw Aaeeut. you
tan request to class
==' by calling wr Qraner ReiadaM
Ya must dalroy Vow credit card(s) and
account access checks, carnal ell prooutlsrized sal.
And cease Let yaw actxtim. If you tk not canal
praudodzed Hering anergemonb, we will consider
receipt of a change Wx alttherizatim to reopen your
scooted. Atlddaally, your accoten vale not be tlwad
unB ya pay all amount you owe to any
tranmctlar you haw aWhorizee, 1_==., pea
due fees, over unit fees, retuned payment fees, ash
ad- face and any oiler pee assessed to you
account. Ym are responsible for these arnosm wMhar
doethey alpser onoetomyour aeeout m the d redoneam r 1o to
your request does the that' ac ccc Incuryoursul to
cc To may rates In
dungSa appea rkq on vote accounamt sitar vac hew
if you authorized a purchase from a mmcham and we
receive the transaction from the Memlwtt after yo
account has been dosed, smtont veal be mapared,
the antont of the .==be eddd to Yo account,
and you vets be rot psyches. R there b a
maneerYip fee fa Your acotont, the fee wM canNate
m be Welled, m the stmant by have, until the
:=d be7rna h: beat In aN as cleaned above.
7. Uakng Y- Aeasart.Yaur c d or account cannot be
used N connection with any ktemat gsmb&V
transactions.
S... . Abort Flaeber" Cheek Oonvtrskn. When you
proede • deck ss payment, you auinr@e u eider p
tae kdormetlen from Vote check to mks a onetime
elecbatie ==r from Yw bank sco nt or to
process ta dndc tmrrmolort. When we
use infammon from Vote check to make an alectratc
AM transfer, fade my be =: nFfromy= bank
seeout a. aeon.. the otmy drool your
ww k Notdotn. teoeive yo deck back from
BIWNO RMM SUMMARY
(In coast Of E- 0, Questions About Your SIR)
If yw ttnkdc yw bar In vworaa If you need mom
Infamadon on e uarnac ion bit, wdu to w on a
separate shoat as soon as poaiie at the addross for
:role
irngddse down on the irotnt c Ws smoment. We met
you re I= than a0 M after we earn you the
first der on wWch to error a problem cep ie You eon
call o Customer Relations; number, but doing so will not
?^esamw Your dyne. In your letter, give us the foaowwng
moue of t ? twne and account number, the dollar
and an ammnpected error, a description of the error
It Pte, at Ww you bOwWZ them Is
an error, or you need more mkm • deaeriptlan of
the hem you are urge about. You do not haw oo pay any
amount are ells oha?ted vMe w am ImwosHosdrq a, bW you
gar pay the path of ystr WR tal am not
in gtesdaL Y=.m' wsn, we anwt
report you as or take any aetlan to cosecs the
amour you question.
i,t Special Rude For Credit Cad PwdeSaa
If you haw a problem with the quality of properly or
services that you ptrdesed Nth 44W
t seal and you
haw tried in good faith to anect problem Withthe
merchant, you troy hew the right not to pay the romalri ng
amount dar on the paperly a services. You haw the
prouc0on oNy upon the punMsas pky was roam than
360.00 and tha purcMae was math in your twne state or
within 100 stubs of Your mating address. (if wo own or
apenp to merchant, a if we mailed you the
advemsamatt for the progeny or servioa V. purde.
are avared tegudesa M amour a kcation of purchase.)
Pleme remember to don all correspondence.
t Does mat apply to oonsamr /uD/IMredll -d acL'aaM9
I Does rat apply to baMpmas ron-rmdF aN occoums
s supports information privacy protection: sear Our
vwrw. wonexont.
it is a say aq stored service mark of Capital
i.l Corporeaar.`Ali rghs reserved a 2003
s OILOLBAK
? finance chosochan0 e?s m aOrrd- noti M the wmW ppeed? odcp
fManco =;:C
orge for Vo account. To gar the a'b opnce
fa each seamen of yo saws, we mks the begkrinp
balance for each segment and add rave trsrpacdaro
and m e fkerse W pmNas
MV pr that secon X. it we tfer?e btru a y
Paysrsans a oradita pained as of that day that am sanese
m teat .opnam. T1ta yvse not the sepsra[e May bd.nm
sagn'm not , aoooot. Nowsva, s you M tit
If Vo row balance wss Zero a e? credit smut), on (a
trawctbrr vvtich gam m Vo purluse a apouiN
puttl? e s hem roayttoby sdr7ng Wbelsrnas.BW
bsWnw mpther admdV. the sun by the nanbor of
the myt k the Ceram being Cycle. TO altosste your tote
finance dirge. nt*0 Vote average daily balance by the
dally two and by ad nnnbor of dsya in the baling
period. Duo m roaring on a dally, basis, there maybe a
says wdatx between tfis altosatlon
roe and tlne amount of
iknerce otprpe acnaly esseased
b. If the code 2 or N appan on ere Pam of this
=am
m'B.1- Rem Addled To.' we r dd.& the
Mpatat NoWa Payments Yto+ mall to w War bepcsrremdtad to your acotoam ass oofcathe babnn comm day by y vn recd" h etrProvided (1) you nand the botum portkn M Ws atapman and your chock
P
In In. -- aymeme nWVreU by r at ?at1 lbaCanWOr m anyWaUtaa iom m Y moot le credpA ai o the 3 p.m. ET day ws rxNw lad Our makenkdrye ,m Oteatt" S tWiad,iybre:adudrp hdideya.
Phase Ike t Is magss paper des aro. wtetprsparktg yo M an. When yyoauu sand w a deckW, you lhal=e w to o make s artrtkns electrar[c trash dabs Pan bank
accwn for the ansun of tM deck Yfis rmtnodzadan apps m ail docks redwd fixing the bNNrng cYde awn If sent by someone rise. If war armed
w to make a merge again Your bate aoeant Willa the chock, a paper rich or other hem. process the bon"". atrdsdze
Your account is temporarily suspended ACCOUNT STATUS FOR: oat
from future purchases and cash MANDI MILLER
advances due to its past due status. 11 1
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: TEMPORARILY
• Use our free Check by Phone service by calling 1-800-955-66oo. SUSPENDED
• Call our friendly associates for payment options at the number above.
• If you have online account access, log onto your account and pay now at
www.capitalone.com. CapltalOW
• If you prefer, simply use the payment coupon below. avh,rY In your srall tT
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
C-Spift
Account
Previous Balance $733.48
Payments, Credits and Adjustments $20.00
Transactions $3535
Finance Charges $1219
New Balance $761.12
Minimum Amount Due $261.12
Payment Due Date February 15, 2005
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To all C%woma Relations w to report • lost w stolen w&-
1-800-955-7070
For free online aerount senia and special customer offer, log on to:
w--pitalone.com
Send Parmenta to: Send inquirin to:
Attn: Remittance Pmeerins
Capital One Sw i- Capital One SWAM
P.O. Bo: 85147 P.O, Box 85015
1116mond, VA 23276 Richmond, VA 23285-SOTS
Important Account Information
We would like to take this opportunity to inform you that we
Rey report information about your account to credit bureaus,
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
4862-3623-2057-3515
DEC 16, 2004 -JAN 15, 2005
Page 1 of 1
Payments, Credits and Adjustments
1 03 JAN PAYMENT RECEIVED - T14ANKYOU $20.00-
Transactions
I5 JAN PAST DUE FEE
15 JAN PAYMENT PROTECTION 1-888-527-6904
$29.00
6.35
'You are a valued Payment Protection customer and may be eligible for benefits to be paid to your account in
cases of disability, unemployment, and death. If you have experienced one of these events, please call
Consumer Membership Services at 1-888-527-6904 to we if your situation qualifies for a claim. Your account
is 60 days past due and your coverage will be suspended if it reaches 90 days put due, as stated in your
Payment Protection agreement
You were assessed a past due fee of $29.00 on 01/15/2005 because your minimum payment was not
received by the due date of 01/15/2005. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges Pkwereereeernriik*irmfortant information
Batamrratr PerioJir Corrryamlm` ?I
ajplirdte ra6r dfPP1R2
PURCHASES $731.06 .05425% 19.80% $1239
CASH $.00 ,05425% 19.80% 5.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT
Gap?fft 0000000 0 4862362320573515 15 0761120020000261121
New Balance $761.12
Minimum Amount Due $261.12
Payment Due Date February 15, 2005
Total enclosed $ r - I
Account Number: 4862-3623-2057-3515
N-preo nre7r nredarrr? c-,xaircAmgrriekruv yW wblmk mk
Street Apr. y
City Stare ZIP
t-Iome Ph.. Alonno Phone
EmsilAddr-
#9001645608401511# MAIL ID NUMBER
Capital One Bank 147 DI MIL L RD
ER
P.0. Bolt 85147 177 dllrorLtl,llrrl
Richmond, VA 23276 u, CARLISLE PA 17013-8929
Irtltlrrllrrrllllrttlrlltrlltttlltrrlltrtrtrllrlrtllrrrllrtlrl ? ? IrrtllltrtIIItrtrttllrtllrlttlrltlrrrtlrlltlrtltrtlirtrlrllttl
Pkwe vriteymn aaommt number om yoar rher.F or money order madepayable to Capital Owlim 1 mud retail in the eulmed emvebpe
r
aI?
a
O
son
a. (bee. Prod. you wN Irvew mkinsan grace period Of
26 days without finahoe charge on new purchases. new.
balance treafero, row spatial purchases sod row otlar
we if you pay yrxr told 'flow BeletW. N
m be credited lbUca for Myments below,
and In trite for it
daakg tine. Thee b by your not statement
and epeebl traat.ro. Im o ?tcelory Udine is ro?gnoe perked
rn any mn.ecUrn If you a not pay the tow 'Now
b. Aeaitrkg Fkrew Chess. Troraactar tviirb are ant
sh8)act to a prsre period Oro creased Narhce tlarye 1)
ham the dam of tla trrractlon a 2) from the can the
trorascUon b phnumod m yar Atx:ast a 3) f'a'rm the
I Ion 'pres's gat you rosy affil Owe tYMICe
you pay tlalpea, Oven if
the arrive New Belrre Mmred m tl from of
ya? st.tarnert by tr rune st.reIF drkg hen. but did
accourI !. rro[ a p hr ifh0 prevlOta rrnadn. UOPeId lrnem ohrrge
eve sdded m the asprhet of your Amour.
t c. lNih.m Fkreroawblect .For each hirg period that cha
rts
w a RNCNCE C{14AOE of #0 6O?wltl be?Ngord. H the
octal Nance Crag nrddrr? from tits tlan of your
parioule rxel.) b Imo d+n 10.60, we wN wbtract riot
.nnohnt front the w.6soemptM?Jarmm aynadrthe differorrm will be
t d. Tarapsrey Redhrdrel N FNansaoviepa. We rerrve the
Fight to nottdee.sr erry a M Nuroe c arpn for arty gWrn
2. Avesas DW ¦daa. fNak? N.w w?wmsul.
a. Hrurnce carpe b calalatad by mtfdplWg t. deny
balrhce of salt seprnat of your secohat (e.p., cash
advame, pudwe, ms=s transfer, anti apetlai pudme)
rpnex m you amant n Ua ddrom of each
se(lnat. Then n Ube and of rho perked, we am up
dor mein of these mlaLUaa m ammo at your
porlodc Nana ch.. fo astir vog= We add . t.
c=arpe h epnent to ardor at tho tow poriodfc
you at cotr To pet theaeginei t ally balance,
for each fa writ of yar aaxtat, vvnko rho beQfrrrkg
Mil a erbdc 1k darye ? Calo1#arod o the ors *u
a Y's fa tat ram; f tinerh sWtraa try
peymam a crodin postod a of tun ay tat aro dl .
m that septam. Ties give u the seper.te aly baianca
egrnaar... - our p""Was If yM gait
if you raw War... cur zare a . aedt anhastl, rave(s
treraattaa wviiM Pmt m your pueolar a spertiai
ewnla a Z=10 d?olly?Ydertcembyaartl 84 W drably
babrhees and dividing t. sum by dor 'sonar of
the ays In do t rement biig cycle. To caWls[e Wtbry ton
dell y pedode rate aitd by the .n"um"ber of ldaysIn the blip
=nF oraneeof each
sapper earn day, am any new
trarwNOn m each ae?t?errt and ehbtraa arty paYmonp
or credits. Of the aerie N eppean m 1M 1mm of hbth
patented next to ' Balance Hate Applied To; we aim
subtract arty upsd finance charge ktduded N the balance
at each sgzt.) Thb ores us thesaddilbalerces far .fierce of each
segment Then, we add op rl tla p each for
bIN numbs of day. N Uie 6111?kq period This ewthe Foud
the
e w the
averaya dopy balenca of each segment.
3. Annual! Preetaga Hall. IAPRI.
A. The tern 'Amin Percentage Rate' may appear as
APR' an to from of IN. atatanent.
of
b. =M.114=4 V==11
omed roxl m the peFiafc ntabl, Ua pedode
ones and aaper?drq ANNUAL. PERCFNTAOE .TES
may wry quart .dy andmry Yreroa.e or deaea.e based
tns sutad ideas, m total In TM WiC Srraai
on
Jarnay pis the maryYh pznbWy d.do.al m you
Haas v/l b* w o the fi1p ay o1 your
tllk I pa.oa mwrad b; bx
Your +doufc opener ehdnp
in the read. Janary, April, Julyy and Ocaber.
c. If to code D (Prime), F (lfrha. LIBOPo or O 13.rno.
the
LIBOR Repriced ===()
stnenant ea , Ua p.dode me.
to me
vt0 be hpn%CWdw rn the previary disafirstr aeayf you too you.rt1h4Measevcnerhpea
period
each moth.
4. AasrrnrR of lour Owfirot And Rork n d Pgenet ma:.
You aCCOUM will be assessed no move than two of the fees
listed hero that occur durkg any b!t period. Wrier the
tams of You cwmme agreeent, mow rose'" the right to
wdw or net to amen any fees Wthoul prior nolifl= to
wNtlaut waivkg ou do, to amen the demo or dollar
ee al • bra Ume.
6. you Aaaaar. If ¦ membenlip fee
appen m the trot of IHs statomem, Wu." 30
days hap t. ate tlis atnemant was mailed to you to
,Vold peyNg the tee to.w shah fee crodtod to you
It you dined Wu a or .. Omrirg t is period, You may
cotk.e to use yoursecant witlou ha o o pay to
momborWp tea. To caned your ocean=, t
noely hio ou Customer Reletiaa Depanmot
and 11W, 'New Balance' 1rM lextludirg the
rno fee) prior to the end of the thirty-day podod.
Q N You tUrs Von' Amount. You can roghhest to dom
yyour aOCwm by upNp our Clatomer time
Oepanmot. Vm must destroy ywr credit card(s) end
accent xeer daake, eancM al preautlorizad blllkg,
and came uka your amwht. If you do not cancel
prmulhorized Mg A minpemanb, vent! will colder
roeept of a Merge vow authorization to mega Ywr
account. Additi?Wly, your account will not he domed
undl you pay all amount. you owe w Ynehndrha any
tranaeetion you Mw audnoFized, flnence Maq)es, pest
due fee, owriknit fee, mturtad pmyment fees, cash
advance mm and arty otlar fee aasssssd to you
amont. You aro rospadhle for roar amounts whether
troy appmr an your eccare At tine Urea you request to
dose t. account or they am Incurred subsequent to
your -Mm to doe the Account. This may result In
cMmum, ring rn =La- '!t yon hew
im,nwe ,rrn .......N.... ..f
your amaar if it has already been closed For emnplo,
if you AWtorized a purchase from a martian ad wo
recd" the transaction fen the nwa at after your
acca nt .s been dosed, you aocatnt will be reopornd,
the amount of the charge will be added to your account,
And you will be roaporobbb for psWom. If there b a
membm P fee for you acoant, the foe will cardnn
by low, upon the
m be carped, m the ahem pemtitmdas deMad above.
account balarce Imo boon Pdd In ftl
7. lliq Yerr Aeoahnt.V h did or accam carrot be
hand N mrnealorn who cry kaemn gambling
S. NNios Abort Elmore" Gwk Wrwra6n. NRan you
provide • dads r payment, voce aWedzs u aidrr to
use kdonneriorn flan yes dock to make a arc-tNa
elearoric find manner from you bark account or to
process tlrtlpoanwtaar m a dock transectiam When wo
from
V- check to =it& an lori.
lu d„transfer, hoods yma be withdram ion your bank
wocu t As soon r to same day we " ve your
PaVt, anti you wNl rot rscdw your cock Wei fen
yarn llharrdai YraUUrtlan
BIWNO RIL" SUMMARY
IN Car Of Errors Or Owatiora About Your Bill)
If you ==r Is wsonp, a If you need more
Iniam-d- a hN, write to r an a
separam dart a soon a ponds at 1M addms mr
irhgdrie dawn rn to front of tNsyyaaatatanem. T. rmrt the
firstrbiNrn "Mich Ira error a pr?o6larhh after we som gpearad YYw can
awl our Cua
dner R1118114111,11 tnunbef, but ddnp a veil rot
}frorrwYon doom. In Wks loner, give a Ua sdlowMrg
Amauroonrt at and ar,a nanber, the damn
t of the e suspected! name
aysmod sonar, a description at the ertor
all an nparaUon, If PaW W, m why yes bdiow t rofIa
an error; or if You rWd move Inlorrna • deeriptrn
the hem you aro uhvoo shop. You a not .w to pay any
amount: N questlan wh. wa aro Invmtlpstlnp IL but yon
are still Obl red to pay the pons of you bSl tfut are ant
in quemtrn. WNIe wC khwetipaa yar yJeatlo, Wo unai
'spat Vou m delrrpant or 1a any action to collect the
amount you quedim.
i,t Special Rule For Credit Card Purchases
If I a PMM- I" Ua hCY'ect did and of Progeny ayea
re that yAU see vlth a er
he
.w tiled N Q W?tlu to mneet the problem Wth the
morMenl, you mey how the Fight net to pay the ranelnng
amain due o the Property a services. Yo." this
Proteedo when Ua pkada?se pike Zr
ore than
#60.00 and puWaae was made in youhome stone a
within 100 pups of yon maig address. (If we own or
astd to tib? orpof nalWead, the
prmheae
aro covered repaNem of amour[ or lout?at of puW e.)
Plee renenba m doh ore oarespadeoe.
t Does not apply to consumer non-credit card mcrxwrda
1 Dom 1.1 apply m business -e Atilt cad -count,
Cedes One ahrppona Nlonradon PdwCy Pratecllo: se uwr
e at verve. aa.com.
Capital Ors is a loderally rgetered seMu mark of Capital
al Caporatbn.A)1 rights reserved a 200
Capitol One . 3Lp.4K
tluao m rouharg on ¦ duly bads, tlare maybe e
algm wdanoe between tle calc latlah and the amour Of
Nannce tlnryO amaly aeaa W
b. If the code Z o N spoon o to from at this stateroom
r Ba?m'Balance Rem ApPlbd T moo,' we Imo vnr mm ntetiply the
dal k, hdvra of esC, ment rNv
Mnperent Noble: Paymems you mail to ua veil a credited to your aocoud s of the Duekem ay ve oelw h a
y. , Pmvldod (1) you avid the bottom po(6)buokeas mp of Ws stammer and your deck
h the erhtiOesd ranlttarhce ewlape arq l2) you Wheal b reseved in ou apncaa?np urea by 3 p.rom. ET (12 noon PT). Please allow at Ion five for postN del"ry.
Paymema teals= by die An any o11ar (2)on or In any other bran maY nn ao awtad as of =IX* recdve them. Our buakaaa aW are Malay through Saturday, exckdrg hopaya.
Plaar a rat hoe etaplm paper dips ate. "Mho ppaappaaaq vow W em. Wlan voce surd uw , you authorize u to make • me-tins dectronc t'rots' deEit iron ycur .Nt
accarri lour the anhourrt o? the check 41ia arrtlwrizaUm appee to erg checks recswd durkg the bpprg cycle eve if sent by sanacne see. If we camel process the tarafsr, you aWw=ze
us to make a carpe against your bank Account using the deck a paper draft or other Item.
COWtalQne
• Employers check credit references before hiring new people.
• Banks and leasing companies often base the interest rate they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
® 2003 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved.
002
002-0803
capiffin
Account S
Previous Balance $761.12
Payments, Credits and Adjustments $53.00
Transactions $35.30
Finance Charges $12.59
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
JAN 16 - FEB 15, 2005
Page i of 1
Payments, Credits and Adjustments
1 05 FEB DIRECT DEBIT PAYMENT $53.00-
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.
New Balance $756.01 Transactions
Minimum Amount Due $256.01
Payment Due Date March 17, 2005 2 15 FEB PAST DUE FEE $29,00
3 15 FEB PAYMENT PROTECTION 1-888-527-6904 6.30
Total Credit Line $500
Total Available Credit $.00 You were assessed a past due fee of $29.00 on 02/1512005 because your minimum payment W" not
Credit Line for Cash $500 received by the due date of 02/1512005. 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 all Customer PAstiom or to report a loll of stolen aril
1-800-955-7070
For fia online aeooum lavia and 1Pe64 olstomer offer, log on to:
www.aplnloneeom
Send Payment. I.: Send lnqulria to:
Attn: Remittance Prowling
Capital One Senicn Capital One S-im
P.O. Box 85147 P.O. Box 85015
Richmond, VA 23276 Richmond, VA 24285-5015
Fillance Chatgcs i
t
PA we tee rmffio
deefir important isfmmatioa
ro rr
e
?
C
?r ??
! wr
APR
PURCHASES $748.48 45425% 19.80% $12.59
CASH $.00 .05425% 19.80% $.00
ANNUAL PERCENTAGE RATE applied this petiod 19.80%
? PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 15 0756010053000256011
New Balance $756.01
Minimum Amount Due $256.01
Payment Due Date March 17, 2005
Total enclosed $ 1
Account Number. 4862-3623-2057-3515
Plrarepi.tmaicaraddra mldorrnr 1 dei bet--WW wblmkkk
btrwt Apt R
City st,. ZIP
Home Phone Ahemlte Phone
Em1iLAddrew
R21=1111! #9004745608401516# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 111n1111n1n11111111 N CME LOT 189
Richmond, VA 23276 N MEWVILLE PA 17241
N _
11111II1111111111111111111111191111111111111111111111111111111 i
Pkwe a teyour acaciat number on your dirk m money miler madePayable to Capital One Bank and mail in the endured snvekfe.
r
a?
a?
t?
T
aa?
a?
8
o t
O
om?i
C !
rots
beginning balance of each segment each ay, add arty new
transaction a each segment, and sLLrirec any
or ta ads
statement ne(if xt the ? BalanN appears ce Hate Apptl d'? T ofNsi ~
Sbtract any uhpsid finance charge I ckaded In the balance
of each set?rsntI This giros u Us ally balance of each
ae9.m Then we addpta;.1 the all bslrraa for each
of days In tie ufi1 q pOoa T?Ns y- us the
average ally baleres of each .epnart.
3. Annual % Rees fAMq.
a. The term 'Annual Percent Rats' may appear as
APR' on the from of 114 stttennan.
b. If the rode P (Prim), L (3-mo. LIBOR), C (Certificate of
is sttatehorient ?ththe p ?ed)o appeals me) f pferroot doc
this rates and =.-M may PEACIMAOE RATES
may wry queand may Icresse or decrease based
on the stated Indices as faded In TM Wilt Sheer
Jorrral, pits to maprh pratiaaly disclosed a you.
Those dh - vi be ef=: tls irat ay of u
blukg pe covered by dc. statement erdnp
and oorreaoandI2 ANNUAL PERCENTAGE RATES mey
wrv rlhonMy ennddmay Ihaesse « deeroass based on ore
ttarod indees, se Land In TM Lff Strad J naf, plus
the margin previasl dada.:: a you. These durvpes
will be efoetlw on the inn day of your hlibg padod
each month.
b. Assessment of Leh, Owriunt and Rsesread P.ym st Fess.
You account will be assessed no mom than two of the fen
listed here that occur duing any billing period. Under the
terms of your customer agreement we reserve the right to
wales or not to assess any fee. Qthouttheprior notification to
You without waiving our dgtt to cam same or similar
Ica. at a later time.
6.18aeweg You Accost. If a me nberWp fee
appeare on the front of this statement, you hew 30
day from the time this statement was mailed to you a
avoid paying the fee or to haw such fee credited to you
if you cancel your account. During this period, you my
centime to ass your account without having to pay the
membarsiiP fes• To cancel your secant, you mtrt
notify u by "long our Watomar Ralatlou Deporun
and pay r'Now Balance' in fug (exmudrg to
mom fee) pdor a the and of the ihl"y period.
8. N You Gssc you. Accent. you "n regnm to dose
yyoauur =.,"Ybyoumtrt = our Cumamar Ralatlan
Deparunam. dostroy your credit card(s) and
account access chow, caned en preeu8adted blllirg,
and "acre utrg yaw accent. If you d =t
"ncd
preautlerited tilling erranoememt, we will ocmilderr
eccotmt. Add la Nlyruyour srcoutt wit rot M cased
until you pay all amarde gat owe u IndudnQ arty
traWNons you haw adherited, flmanca c or Pam
due fees, owdmit fee., resumed peymerd lie", cash
advance foes ad any other Lass assosssd to your
account. You am responsible for these amounts wdhother
they appear on your axonerett the time Von roquest to
class tha avxxturm or they Incurred eclasgnont to
your request to does to account. This my result In
your account It It has already been domed For nmmple,
of you authorized a purchase from a merchant and wo
mcelve the transaction from do mordant afar your
areas lhss been dosed, your acx:ws YA be reopened,
the 'mount of the char, will be added to your mount,
fee forraryyourr sicmfor ui theeffeei will cocaxkme
a ba to the meant pemitad by New, uxI tits
acxtrs enc?e ,Z=m,
hss bssn Psld In fill a aMad above.
7. ?iierlIh?y You Aaceut.Yor card or accept cannot be
connection with any Internet gw*&V
trarhssttt
8. NarI Abort Fdsremale Gmmk Cawwafon. When you
provide a deck as pays Vsu auhoae ua either to
use Information from your deeck to make a ore time
electronic find VWWW from your bait axart or to
process the payment a deck transaction. When we
roe Namtatlm from as your dock to make an electronic
find traneW, fine may be witfndrawm from your bent
aeearn as soon as the some ay we receive, gar
==,, and ==rot reealw gar dk bode from
u .
BILLING RIGHTS SUMMARY
(In Cass Of Errors Or Ous.tlw About Your BIN)
If gat tlik gar hN le worg. «If Yco need mare
Intamatlon on e eanwmlon a bm, wide to os on a
Emil shoat as soon as paasibls at the address for
khgddee dawn on to from of ti. statement. We must
loan from you no I=,.=Z= a oZ. wo sum you the
first , you can
can der Ctamomer Hdatae amberdoing so will not
preserve your right. In your letter, give u the following
nlamatlorc You tome and scooted number, 'the dollar
mom of the supected error, a description of the error
and an soplaneton, H possible, of == tare is
an emor, or If you rood more intomedon of
the Item you are vea* abort. You de nod haw to pay any
mount In rFramfan vsie we are Invadi h. It, but you
aro still obllps?ed to pay the pans of your hill that are not
In question. WNIe we Invoodge a your question, we cannot
report you as dalinqu x or take any action to collect the
amen you question.
3,t Special Rds For Credo Card Purchases
If you haw a problem with to quality of property or
acnvioea that you ptrocused with a credit card and gat
haw trial In qom filth to correct tha problem with the
merchant, you my haw the tight not to pay the remaining
amour due on the prapeny a services. You haw this
protecion eNy wMn 1M pantihosU was roam tun
860.00 and the putduse row .X1 n War hone swo or
within 100 nitrds of ga,« if war mr maNnp sddras. 111 war owe or
operate the meamulled you the
advertisement for ore prop?y sarvicss, Wpurtlases
am covered naperdess of moo or location of purchase.)
please remember to sign all comospondoce.
t Does not apply to consume non '*& carts accounts
i Does not apply to bueoess x-cra f t card accounts
One supports Intonation privacy pmtectim seo our
at yvww. talae.com.
One is a federally registered service mark of Capital
t a. Ones Parried. You will law a minimum grace pedod of
25 days without Ill =4.= pudases, now
bola ce trenfere, now and now of ar
Wrgos if you pay your total 'Now BWnce', In
acoaarce with the Important Notice for psymema below,
erhd In time for h to ba tsadud by gar tea atstarnont
doWg dom. Then IS no prose Won
"sit advrrea
anal sPecal traafere. In addden, them Is no
grew period
on arty tranacon if you do net pay the caul 'New
b. Accruing Fla- Gags. T which am not
to fthe aa of #"w ranssetlmanor 2) from the data the
transaction is processed to gar Account or 3) from the
first rwlender day of the arrantbNltp period Addtonoiy,
If dal rot Pay Vo 'New Bahrnpe fi'an the prsMar fireance chergest continue to accrue V,
your upsW bale e, un l the upeid balance le paid In kd:
THS sneers that you my so owe fbnence charges, even rf
you pay do endrs Now Balance In3r"ud m the front of
your WKWO s by the mad etttonws dealing alma, itch did
not do so for the Previous i?mash, tkKaid finance cellos
added
Account.
t c. sMtbuvn Fk the rtl gc. F:="ch of per
gar account b a a X-0.0 cargo, a ni
toW FINANCE aikctE of ba Inpossu Ifinwnthe
told flhace c ho from the ?pp?ston of you
periodic mtow h br the 70 60, we wp mitred tfut
ametax from the 00.60 mklmum and the dfferen a will be
bYed to the purchase sepnac of your atcous.
td. Turparay Rsitslion In Fihan» Charge. We reserve the
"t to not ssesses ary or all Sno ce charges for any (Own
2. Avarags Deily. (make" New Rrdwal.
a. Fierce Burge is calculated by multiplying the daily
balance of each am us of your atcnus (e.g., cash
advam, purchase, specs transfer, and specs purdass)
by the corresponding doily periodic ram(s) that has been
previously disclosed to you At the end of each dodeInp
the NIWg period, we apply the dab perbde nro
for mtlh
smpnat of gar arrant to the a balarce of each
aeprhsm. Then tt the end of the Winii perod, we, add np
the resuM of these "Ia6tlar fo crow st Your
results here each segment to arrive, at the tow periodic
fiance carpe for your axon. To pet the dollyy bal?ac?e
for ern seprhent of gar arxetst, wo tske tho beprewhp
and the Prowl"
balance fpore east se(Fnat end adcdNaalW now traesedons
day'?frsrco that sa{FnM We tlan suitnet
P.W ents or credits posed ss of that aV cut en teal
ro that aepvmors. Thhle gvos u tits sopents deny belch l
for sash sspnen of gar etxout. However, If you psld the
Flew Balanco sihoven en ya+ preNas autement M fiii (or
if your row bsWhos woe ton or a rued[ anouh0, now
trerueWoro wnidh pea fo ==x=es.
calculate the awrspee daily balance by adding d the doily c
balmras together and dvNng the sun by to amber of
the days In to arras bftq cycle. To calculate your total
flrnsrnos tlarpe, y gar swrspe dMy baleen" bV oho
:soy psdock rote dal by tie nmbor of ays M the hilFxhp
pod - Due a randeg on a doily baals, tan my be e
slight varlarce batwveen tNs ralalotlen end the amam of
finance calla scosny asmed.
b. -he code 2 or N gpmn m tha fian of this Menem
sou a'Belenoe Raro Added To.' we Iddcty the
hrrpore.nrt Natlw: Payments you mail ro us will to credited to your account as of the business ay we receive It, provided (1) you sold the bantam portlan oT des ststanem and youk
M is :roused mminace onvsiope and (2) you oymem Is received In w pr-asi g canter by 3 p.m. ET (12 noon PT). Please, blow at least fw (6) bhwhex aye der pottd .41.-
P Nnd a)tnan moolved by us at any odor o"tion w arty othaar am may not be credited as of the a the biNiry we moaiw them. Our business days am Monday through Sattade , sxtV holidays.
Poeass de snot aim stapiss « atntpdzNan ippliw to atl clon'iecb rsctl Wwd deg
account der tie amount o{ the cMdip ck s
pap oyclona e? U dzam by smamnhaeanae chm.mt aura e cannot tprxas the ot tralnai osyou i t horize
a?
w 10 make a charge against your bark account wing to check, a paper draft a other hem.
027
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Access your making payments is easy. Check out just a few of the things you can do:
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Ceap3faloW
IadlsfY M yore waubt7'
see reverse for detaft )s-
027-0402
PLATINUM VISA ACCOUNT FEB 16 - MAR 17, 2005
4862-3623-2057-3515 Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance $756.01 1 25 FEB DIRECT DEBIT PAYMENT $257.00-
Payments, Credits and Adjustments $257.00
Transactions $4.44 Transactions
Finance Charges $9.46
2 17 MAR PAYMENT PROTECTION 1-888-527-6904 $4.44
New Balance $512.91
Minimum Amount Due $15.00 We will be changing how we allocate payments and credits to your account no sooner than your
Payment Due Date April 16, 2005 June 2005 billing period. As stated in your Customer Agreement, this may include allocation to
balances with lower annual percentage rates (A:P.Rs) before balances with higher A.P.Rs. Please
Total Credit Line $500 call the number on the back of your credit card if you have questions about the specific changes
Total Available Credit $.00 to your account.
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To call Canomer Relations or to report a loot or stolen card:
1-800-955-7070
For free online aoeounlt sepia and special cartomer offer, log on to.
-.Pitolo..com
Send payment to: Send inquiries to:
Attn: Remittance Pmce,siag
Capital One Service, Capital One Servim
P.O. Box 95147 P.O. Box 95015
Richmond, VA 23276 Riebmond, VA 732854015
Important Account Information
Please review the important information enclosed with your
statement and keep a copy for your records
Finance Charges Pkarer[e reoerresi&e l important information
? BafawrrMr Penelr por?v?po?Jag
??
? ,rpp!erdw .dr rfPR
PURCHASES $581.10 .05425% 19.8096
CASH S.00 .05425% 19.80% $9.46
$.00
ANNUAL PERCENTAGE RATE applied this period 19.8096
PLEASE RETURN PORTION BELOW WITH PAYMENT
?a 0000000 0 4862362320573515 17 0512910257000015004
New Balance $512.91
Minimum Amount Due $15.00
Payment Due Date April 16, 2005
Total enclosed $ 1
Account Number. 4862-3623.2057-3515
Pleooepnwrwed,'w`addrer-Porn- 1ehmlgwbelowronyH eeblahiwk
See t Apt Y
Chy State 9P
Home Phone Alwum Phone
#9007745608401513# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 Illuuullllnullnl m CME LOT 189
Richmond, VA 23276 MEWVILLE PA 17241
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I1111111111111111111111111111111111111111111111111111111111111 O -
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02002 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved.
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III- period. You will raw a mWmnm grace pealed of 6"pal
26 days without Scenes darga m new pumhases, chew .0. 9
balance trarrfen, new spedeI purchases and raw other traroecde
charges if Yau pe yon tow -Now Ba aroe-, in
acoordarse with Important Notice for psym nsi blow or credits.
statemern
?
,
dous for it to be credited
by your nerd staronom
and in subtract a
d
am. Them taro
piece laded on cash advances of eaM ere
end aPeNsl trsnfere. h rkfldnn, dam 1. ro grace period segrnont.'
m any traeacdon if you do not pay the tow 'Nees
bderoe•' segrnent i
camber of
a to Innams, Charge. Transactions which a grace period ere asseaed Rrwoeerhartp 1)
the data of the transaction or 2) from the date the
action Is processed to your Account or 3) from the
calendar clay of the anent bMy psrkd Addidawly,
aid not pay dire 'New Belches ="%=W
u paid balance u d! the unpaid balance NO paid In U.
mart that you may atY owe Methoe drupe., even it
aay the eMtiy Neer Beiahw i Xm 61
ststerrretd de rha¢ steterrhent
b ° forihe pmvptr hoorah L"W fbhroe darges
dki
to.
hesk9on tram tro mstcard cute your
on dosed, gar acoonm wip m reapared,
de Ma win be added ts your accent,
r
for for Y a for payment. If dmm b a
e gran accond, the fee wW cordthue
m be dNlged, t0 dM e1a911[ DOm?Red by bW, amts the
acoeam b?anoe 1MS been pe)d to aei p an
d10VO.
7. Using Your a? Yo card or account caeot be
Lead In coy hmmet gambling
end I k o an
8. bkdoe About I].abatle Chest Orwraisn. When you
pr
war, ovide . of fes?ymsn,youaWhalza u dither m
dectrraritldcoeluppdss transfer from ydrmbr* secant:oar w
use, Monasdan fiert Your d?wtotrMxtmr to
fund trw/er, as may be withdrawn from your bank
axasd es soon r the acne day we race"V
psymrd, and yen will ate meal.. your check pbac?t from
yon. Mrhtlal kWtWOnh.
BIWNO RIONTS SUMMARY
(h Gas Of Foos Or Ouesdaa About Your BBB
tlhkt your bll b wrap, err If you reed more
If you
information on a trarraction err dill, write to us on a
aeparata srael a noon as possible at the address for
irhquritbs sow. m the front of tdhsisy statement. We must
mtbll on Wicroh Itintaror o?prahlern flan vie serrl Yauu
aptoarad. Yau can
cell our Ctrtomer Relation number, but doing se will rot
PraaMw your dgas, in your Witter, give ve the fdlovang
infamatiae your rests and account number, the dollar
amount of the suspected error, a description of the error
and an arObnetlon, If possible, of wv.AAyy yon bdlew thane la
an error, or It you need mom hfomvdan, a d wriptlon of
the hem you are truwre about. You do not law to pay my
amaum h quanlan wale wa ore 1 it, but yin
are aril
oNpared to pay the peM of your d at are not
r
in gtrdel- 41. we Inwaadgea your question, we tarot
pan you as deflnquuerm or lake any action to collect the
amour you QllOation.
l,t Spedal We For Credit Card Purchases
11 you hew a problem with titer 1.1y o1 property or
serNoas that you purchased with a mdt card and you
raw tried in good faith to correct the problem with the
merchant, You may have the right not to pay the remaining
amaum der on the praposty or saMws. YW have 1Ns
protection ally wMn Ra pumlaes pies was more Iran
460.00 and 16e pwiaes was made In you bane Stara or
within 100 7 of yaw mailkg address. (If we own or
operet0 fie nardheM, or Ii we malted the
adwrdsonm for the prapaty or orrvIyou, al purchases
are covered tegerdep of mud m a location of purduae.)
Please remember to aigru all oweepo lends.
t Does rot apply to ooasuma, nori dk crud weduairto
i Doss rot apply to basium neat-cremes cad "counts
privacy protection: sae our
ed service mad of Capital
o amain ira average daly balm`s far the yaw acr
rvered by die stateruherm, ve Oka the if you r
m of each se.nant each deY, adpdaYanny new
M rmdw
aa sepnont, and aubtnM any} hint Y OMs g
e code N appears on the tram[ o the a
to -Branca Role Applied To; we also and you
hpald Rnaruce charge Yrluuded in the W Wince marWea
total
us the
r earn aepnent.
3. AnwW Ilames asey o =. ofAPR1-
a. The term •Aroual Pereantaps Rau' may appear as
'APR' on tra lead 01 this sutser
b. If the code P (Prime), L (3-mo. LIBOR), C (Ceniflcats of
kcaird tN t)itemanr SS (? nood 10 IM Ped)tbdlaem, the psdooff
rates and coneapandrq AMMJAL PMCENTAOE RATES
may wry quettedy and may thereese err deueasa based
on the sated hAces, as %b in T" Wati Sneer
jounw
These Npwtq'ads v,Rl b e1t«dm disclosed a.v?pr
diltg patod covered by gar parade sutamert corn p
h the mnanlr January, April, July ad October.
c. If the code D Iodine), F (1-mo. LIaOR) a O (3-ono.
LIBOR Repriced Makr~ appeam m the from of your
psrkdic ram(s) bees dwt0.60, t4.rbtract ma statement
and
carasp?q ANM?)AL PHiCENTAOE AATERcmayes
ward from the 00.60 mHrmm and the dlttsreroe will be wry monthly and may Increase or decease based m the
hNed m the prrdwe sep?wd of? your secant.
td. Terrparry RatWtlan in fLunw aw
a
We reserve the stated indices, as fond In TAs Wa# Srest .Mmrwl, Oka
th
i
l
di
l
g
.
right to rot aeseas my or d Mire charges for any givon e macro prev
ous
y
sc
osed
to you. Terse dwgoa
will be effective m the Am day of Your piling period
2. Ave Wawa Itoku" Naw f4aMsesl.
a.
cargo Is calculated b
Modd
l
tr
the dall such month.
4. Aaeesrnrrd of Late, OvaTiNt and Reamed prynrrd Fasts.
Yo
ill b
t
d
=
p
y
g
y
y
hdanh of each tragmend of your account ft, cash ur accoun
w
e assesse
no more than two of the tees
listed here that ocan during any billing period. Under the
adsaa e, purchase, special trrefer, and sped al puroase) tams of you customer agroemem, we reserve the right to
by der corresponding daily parodic mm(si that has bent
previously disclosed to you. At the road of each day during
tla bidin
i
d
l wales or nil to ems any tees wAthan prior nodflcatlon to
you without waiving ow right to o_ rho same on slmilar
g per
o
, we app
y the daily pomade rote for each
aepnen[ o your second m the dMly bWrhw of aaM
:=m ices at a later time.
6.tltrewirhg Yar Aaaassl. If a m untarshlp fee
saQnterd. Tlon .
f tin end of rho biilkg priori, wo add tp
the results of these doily Wadotlon to arrive a appears on the from of this statement, you how 30
day from the date this alaterrlmt was coaled to You to
periodic Monte udorgo (a each aopnent. We edi up tfn
ct avoid paying the fee or to haw such fee credited to you
reacts from eadh segrnent to arrive at rho tow porbclc if you cancel Your asam. Wring this pedod, you may
Rrhnc?e dhotgo for your aomtnt. To pot the daily bolahco continue to hue gar account vMhour laving to pay the
for eah sel/rhent of gar acoant, we coke the begkning mnm6oraND toe, Ta coned your eccoutt, you ratan
ard
balaoa for asrn aegnent rd add any now transactions
dad: by pedodc? findrikoo that charge calculated m the previar
segrrent. We than subtract shy notify w by calling our Customer Ralattaas Departmum
and pay yaw -New Balance' In hall Ieztludirg t
room borWa fee) pdo to the end of the thiny-day ceded
peytnrde or coedits
posted as of dust day that am allocated .
8. N You Closer Your. Mseresl. You cm request to dome
to that segrnard. This Gives us the separate doily balance gar aocouht by eaWg our Cunanar Relad.
=o
fa eaM aspnent of gar atotmun. ilaueeer If you pmld the
lbw Wince aMwh m gar
atellar atamr;ts t h I I. Uapanmmt. you mesh .,
alroy your credit card(s) and
acc
M
k
l
l
p
If your, now balance was zero a e credit amour), now
trereedlea hMidh pest m
ar
1 ount access
se
a, cance
a
l lomauarerized blflhg,
and woe till!g_gar accost. II Z%
do not cannel
W
d
ed
g
punrhase ssgrnads sin ==z7=
- We
calculate the swrege Mi1r balance by auldng ail the da?y
balances taperer and divift de sun b
the
aMo
f ,
prea
g
z
dedg amnporhmmwN carider
rpt of a chortle your authorization to reopen your
acoent. Additionally, Your accent will not be closed
ma
ll
y
m
r o
the days in the current bWg Cycle. To calalam your tow t
you pay a
rn o nts you owe w inducing: any
="1 raw aunMdzad, Manca Mapes, pad
Brice charge, multiply gar aver. daily belnc?e by the
daily pededic rote and by tla camber of da
s in the .=7t has, uetuxthed payment fen, cash
adv
-
d
ae
l
y
V
Is m rosdinp ora daily bomb, diners may bee mw
a st
my a
er
ess essaaed to your
ecoont. You are tsspntaPob for those amauss vleder
Ygr vedahoe between this tWtaledm and the amour of
e-rm
ss
d
finance Mar tray appear on your accent n tra time yin rogtrest to
g
u
y aesesse
b. If the ode 2 or N appmn on the from of this atatanem close the accarm a tray are bheturred atubssgtrrrc to
our re
uest to ro
th
Thi
l
nil to •Belance (tam Applied To: we multiply der y
q
w
e account.
s may resu
t In
chmoe. sppeariro on cur oc omt after veu he-
it
4atad NsWS: PaYmrms you mail to w will bepcrsdted to your accent as of tphae?boudruss day we receive It provided (1) you std he batten potion of this Stateman and your check
your
mcW A' lanems raoslvad by tar a aonny?otlhe kcatl In any Oder Mm meY chat be cro6teA ai olrtha b 3 p.m. Er I raider PT). Please allow at
day we Fecal" them. Ox business days am Monday ltdouprssSaturGy?r rg haldeys.
ase da rot le"=74 c, whenpnpa rinp your M ant. 4VIen yes asnd w a dock(s), you audedze ve to make a one-time dectrvdc trarater debit iron your bank
accarm lot 1M the dock tiltis audorizadon applies to a1 doclu rooeiwd du
w to make a charge "Wrist your bank accent using the deck, a paper daft or other dr hamg the being cyder awn if stem by awneoro abe. If we camel process; the transfer, you authorize
.
UM742
ARE YOU GETTING ENOUGH CALCIUM IN YOUR DIET?
FREE GIFT*
7
Especially for.
MANDI Mil 101 %k
u
I
Ys a $13.30 value and lt's yours free with -
enrollment in General Vitamin's Vitamin Program. •
Today's Essentials
See details on reverse. Coral Calcium
For Fast Delivery of your 30-day Supply
Call 1-877-602-5550
or complete the back of tr$a certificate today.
'Nth aroanent In 3D-day trial memlia" In t wwW Vfilanan's Vitamin Pmarem
Do I Need a Calcium Supplement?
Calcium is important to help slow down bone loss later
in life. Ws often difficult to meet calcium requirements
through diet alone.
Why is Coral Calcium Special?
Coral Calcium contains a natural 2:1 ratio of calcium to
magnesium. Ws made using only 100% Coral Calcium
harvested from deep water basins off the coast of Japan.
Try it for yourself, FREE.* It's easy!
Just sign and mail the certificate on the other side today!
' With enrollment In 30-day trial m emberaitip In General Vitamin's
Vitamin Program.
Tlwe amtenrnts new not loran aueMrtad bytlw Footl and Onq Admtdetratlan.
7HS proda:t N not fnterrded td dlegrwe, oeet, cue a pewr,t arty tlmew.
Account S
Previous Balance 11:512.91
Payments, Credits and Adjustments $20.00
Transactions $8.10
Finance Charges $8.56
New Balance $509.57
Minimum Amount Due $15.00
Payment Due Date May 19, 2005
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To nil Customa R&b- or to relrort a lost of stolen na.
1-800-955-7070
For fra online account Service and tpaid aroma offers, log on to:
www.npimlonnmm
send payments to: Send inquirin to:
Attn: Remittance Prorating
Capital One Bank Capin] One Savira
P.O. Sox 790216 P.O. Box 85015
St Louis, MO 63179-0216 Richmond, VA 25285-5015
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
MAR lg - APR 17, 2005
Page 1 of 1
Payments, Credits and Adjustments
1 o4 APR PAYMENT RECEIVED - THANK YOU $20.00-
Transactions
2 08 APR KMART 00077461 CARLISLE PA
3 17 APR PAYMENT PROTECTION 1-888-527-6904
$3.68
4.42
Finance Charges Pkaeme revrrn A*for imtortma reformation
u
a
?
3
j1P&dM lw ? lrr.
m PURCHASES $509.33 .05415% 19.8096 $8.56
CASH S.00 .05425% 19.80% $.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
? PLEASE RETURN PORTION BELOW WITH PAYMENT
capfta
1 0000000 0 4862362320573515 17 0509570020000015007
Pkarrpwera?ra`Qu?r,.aad?r?r,a„,rn.kroaara?w ?rua?t rna:
New Balance $509.57
Minimum Amount Due $15.00 sneer Apt r
Payment Due Date May 19, 2005
City Snte ZIP
Total enclosed $ Home Phone Altt ft Phone
Account Number. 4862-3623-2057-3515
FmtilAddras
#9010745608401518# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 790216 1111111111111111111611 70 LEBO RD
°
St. Louis, MO 63179-0216 CARLISLE PA 17013
m ?
Irllunlinrtlllutlltlnllnukltlutlltllunrllkllninltl ° -
Pkare writs yore avount samba oa yorn rbac.E or mosey ordn made Payable to CopitalOacBank and mail in floe sndared mvelopr.
YOU ARE INVITED TO TRY
A FREE 30-DAY SUPPLY of CORAL CALCIUM (a $13.30 value)
Yes, please enroll me as a 30-day trial member in General Vdaminh Vltamrl Program acid send me, at no charge or obligation, my free 30-day
supply of Coral Calcium, I understand that unless I cancel during the 3D<* trial period, I will automatically receive a 90-day supply of the
same product every three months for $39.95 plus $4.05 shipping and handling. This amount will be Ullod to the purchase segment of my
Capital One credit card account. I understand that accepting my gift does not obligate me to Continue and I may cancel my membership at any
time by calling General Vitamin at 1-800-323-84112. In any case, I may keep the 30-day supply as a gift (please allow 4-6 weeks for delivery).
Redeemable exclusively by: MANDI MILLER
70 LEBO RD
CARLISLE PA 17013
Account No. 4862362320573515 Credit Card Expiration Date_/_
(Ep7k UM data and signature required for processing.)
Cardholder Signature X
(Valid only with hill Sgnature). I %AhonzO Capital One to forward this coupon, which Includes my account Mnmsr for MV Wipatiae, on my ballad to Gan" v m n, rec., which
provides this product. General vtrrrn, Inc. is not affiliated wire Caplal One and Capital One does not provide a gtwwtm any product or service shown hrs. Any hadartwks
mentioned herein are solely owned by the respective entity. M rights reserved. By responding to this offer, you may be canmaiceig information about yourself to the comparly
the proven this product-for example, that you are a Capital One customer. O 2005 Capital One Services, Inc. Capital one is a federally registered service mark, all right- reserved.
To Order using a credit card oUNr train your Capital One card, Pisses cal 1.677.902-5550.
For fast delivery, sign and enclose this certificate in your Capital One card remittance envelope.
DFB7
%-k?
Today's Essentials"
Coral Ca1Cium
Amid m
.i -ys-ppknenr
aaaa?
OIO
8
O d5
n IA
UaOR Repriced ManNyl appmm o the from of you
statement next to the P. Metal, Go periodic rat
the margin PwAoudy disclosed 1o you. Than dafgea
will be aflectlw an the flan day of your bllikg pedOdI
each month.
4. Assrnnmt of Isla, owrimit rd Returned Paymrd I-.
Yot account wit be aaaaad no more than two of the tea
listed lore that oo cur during any billing period. Under the
tome of yaw cuttome agreement, we raerw the right to
wale or not m ae.ee. any fees wltlhaun tie netifleailo to
yyoouu without wahhng scar right to ae.ses tie same or similar
fees at a afro Urea.
6.taanswee Yaw Aeeeu , if a mrnb-* jeer
appall an the from of this statement, you how 30
days from the date this natemevt was mailed to you to
avoid paying the fee or to law such tee credited to you
it you cancel your attach. During this period, you may
centlnne to tae Your account without having to pay the
membership ere. To cancel your arcaatt, you nun
entity he by calling ow Cuts Rcatioa DaMrtinerrt
end pay cowlea New Bolarce' in full (swiudirg be
memial ) Prior to the end of the thirty-day period.
S. N Y. Clore Y. Acs um. You can regret m clam
yyoouurr account by antler our Qslaner Raistlrr
tleparunem. You mart destroy your credit card(s) and
account accasest checks, anal all pmauthodzed billing,
and seam your nCCan1. If you do not canal
pmautiadzad ing amargensnto, m will consider
receipt of a ofierge your aWadzatlm to rmopen your
ocatn. Additional! Your secant wit not be o=
Leda you pay tai amours you owe a Including: any
your reci an to clan the accent. This may matt In mers
transactions you haw authorized, thence charges, pan
due fees, owrikolt M ::;%m
tumed Myment tors, cash
adwnce fees and aer bas asaesaed to your
account. You am responsible for theme Amara whether
they appesr en yar emaum n tie time YOU request to
cot the acmun or thoy am In and subsequent to
the
bbd- of sac ittle seg n eachdy add mny new
tins ens
or credm.. (if the code N apea? an the front .
statesmen next m'Balanee Rate Applied To; we also
subtract arty updd Samoa charge included In the balance
of each aeatem.) Tina giwei us the deity balance, of each
segment. Ttw1 we add up dl the day bel of a fa each
se
number gment of Jor the days 1 k poleW o and divide b do
awrye doll balance of each segment. Q
3. Arend Prwrtaaa Rate. IAPRI.
a. The term 'Amid Percentage Rate' may appear as
APR' on tie from of this statement.
b. If the code P Aims), L 13-rho. LIBOR), C (Cedficne of
tarme rtl (Benkeord Prime) appam an the fran of
raw to petlodic retell), to oedode
rate. and oorta ry= ANNUAL PERCENTAGE RATES
may wry operbd may Intense or dsrtwe based
an the stated Moe., m face in TM War Sheet
JourW, pus tho -:f.
pprr y dstle.ed to you.
Them tlwgs? WI lm sileedwdan the that day of your
Mt month. Period r m Jrwtma d by your Mdodic statement ardrg
in
tie 4pg, JJy edit October.
c. If the rode D (Primery, ), F (1•mo. LIBOR) t O (3•mo.
your account if It has already been dosed. For example.
i( Voce auMdted a Purtlnne from a merchant and we
mce(w the transaction from the macho[ after your
account him been closed, your scars will be reopened,
the amsatt of the corps WIN be added to your amount,
and yyoouu ova be responsible for payment. If them Is a
nhrnbsnolrip fee for your account, the fee will caskae
to be verged, to the edet ":In by kw, usg the
account Mlarce him been Paid In hi u defined shower.
7. Uip Yaw Aseuuas.You card or accent cannot be
used in connection, with any Internet gambling
tne1mcllere.
S. IMNs Abort aest .. A. Chaask Co wrelrh, When you
provide a check as payment, you aWnothe car alder to
use ineematlnn from yow deck to nuke a or*-dm
eMamNc fund transfer from your bank sccous a to
proew the payment as a attack transaction. When we
use ksormsgm your clack to make an dectmNc
AM tinder, funds may be withdrawn from year be*
account " sam as to erns day we meow yya01YP
payment, and you wa not maitre you sack back from
your lnsmvN krtlorlon.
BILLING RKWTS SUMMARY
(n Can Of Enoe Or Ouesdami About You BIND
If you think you bill Is wag, a N you need more
Infor-dm an a trarrac ion or bin, -he to tr en a
inqurld possible a shown en the fns at No area the address bra
hear from you no leer than 90 ddsa?ya star we rem Yo the
im bill o which the error, a pmhirn appeared. You can
call ou Ciar mr Retailers number, but doing n will rat
ppemrva Z. ridmt.. In your tatter, giw, u the following
infematlo . your nrne and account rxmbe, So dollar
amour of the suspected error, a descdptien of the enar
and an elphanation, If possible, of Whvirtyy you bell- there la
en error, or If you need mom Infomutlert, a description of
the hem you am uwre about. You do not hew to pay my
amount In question whine we am nveedgaW it, but you
are still obNgeted m My the pent of ycur dl that am not
In question While we Meatioete yar tpoadm. ova caner
yuou - dZ wrt a take any action to collect the
ount you question.
i,t Special Rule For Credit Card Purchaew
Ii you haw a problem with the quality of property or
services tMt you wMh a credit cam and you
hew trill n tolb to mrroet the problem with the
merchant, you may low the dill not to pay the remaining
amour due an the prapo?y a seMUS. You haw this
$0?g0 tY wren 1hs puncher pia wva miss tMn and whhn 100 miles of your matt Address. tt we mum e a
operate the mamhant, a if ova mailed you the
adnwthemern for the pft try or aervleea all purchases
are covered regardae. of alarm t bcati m of pwchaae.)
Plash rrnenber to - NI correspondence.
t Dan act apply to aaraaimm, non-cradb card aCCOrms
z Door nor apply m bowl-w noet.credlt card -whirs
an privacy promotion: sam out
imed mMce mark at Capital
rights reserved. O 2003 OILOLBAK
Ta. Gn a Prod. You will law a mirimum grace period of
26 days wfd w 5nence do on new, ppurchases, new
bahrhce trarefen, new special purchases aM new Other
charges if you y you total 'New Balance', in
aceorderroe wAtln fro Important Notice for payments below,
and in dine for it to be credited by your rend watamest
=V
In addition, them Is no grew Pmbd
on arty tra madden If you do not pay the teal 'New
balance.'
b. Aaonie Flamm charge. Trarractien whrieh am not
vtlr vita of?tir d?rarrs?ptlaha?dimm tier dt?drll
transaction Is processed to your Account a 3) from the
Bon calendar day of the curare blirhp period, AdAtlasty,
ify_oyuouu did rot dre 'New 6elrca fion the Previous
bwne period IM, Rance charges condreas to mccru s to
Iv r unpaid bdaea LM the unpaid belches is Mid M full.
This mere dhn YOU m.y art awe Nacre charges, Own if
you My the emit- New Balance Muted an the from of
your setruert by the rrxt surtamem cote data, but did
not do ao far the pueviatee memb, Urpald finance verges
t em added m the appMshls seyrhers O? MdAcoas.
c. Mirinuanh FYtanhaew bCihieesccrtWt For sadh W
mortise to . charge, is minineen
t Y RN"CEisp1AAGE of $0.660?wY be k p.-& If the
=r ce vsrys raW*1:.- tM ?pYca Of thayar
rote(s) is bas tfwh 60, ws wiM iLtract t
amaat from the $0.50 mWrmand the differs co WIN be
bad to the purchase se?rhrht of your scant
td. Tal pray RedueWn In FYtrtee Ch rga. We reserve the
right to not as sma any or M finance ewgm for my Own
2. A b= ayrsa fnekaft New P rdume.j. I'milhatce roe is .alalated by muldplying the daily
balance of each segment of your arcaat (ash
advwre, purchases, tpOdd transfer, and apel puchao)
by the daily periodic MOW that has bean
pawarly m you At its and of each day drive
the bl" period, we apply, the dog prod. Mre to atlh
sphere d yar account m the IWrhu of sadh
mgmam. Then a the edit of the period, we odd up
the re.tan of rise. alctlatiore a anew eat results f each mg e t to peri
up the
odic
fierha charge for you accou t. To get rho dally bYrha
for each _ill_ of you scant, we tt the beynie
balance Toorera A- rih drrye?alnasol an the tmanottkna
days balrre for thin segment, we then rbtmct imwita.
P-V- a Credit- Posted m of that day tint ..%-.d
m thin mormem. Tins givws us tie mpame diy balrhce
Z g,
e.gnentole
scout. However, If you Geld the
yow pmviaca sutenert n fuhl (a
If Your dew balance we. zero a • Credit smout), dew
transactions which post to your purchase Or Vww
p
pudhen senets am nor added to rho dolly baineas. We
.Natee rho av nbllyy??Islarha by addire all the daily
balarees togotler edit dl the sun by the number of
the days In the errors bang cycle. To calculate vouur total
anancs cc imm muldlotpouir awMge, diy hslrce by the
cidyonl, cue mmm and the number of days In the bNNre
casting an a daily bads, there may be a
Plight wris oe bewen dim calculation and the amour of
fnanee sanafly nee.aad.
b. If the code t N appears o the from Of this aummem
next m'Balanee Rate Applied To,' we nubbly the
Nogest P
in the aymans you mail to uN will be credited to your account as of the busman coy we recelw it, provided (1) you send ON bottom porn of this summem and your check
in the xrlessd ,emltta oe envelope and (2) your paymen Ia recited In err processing o wee by 3 p.m. ET (12 roan Pt). Rasm allow at lean five (6) bulkgp days tot postal di
Palmema mesived ley a atrryof er locationor IIn1 any odor form may not be credited ore of tM dsv we came finch. Our ndass deye am Mooky 1hroWn Satudey, ezchrdire holy,.
Plasm de not cane suWa, paper cNp eta wtan lrpadg r pa ermi. Wfan you send ,A a caek(a), you aurnhaize us to make sera-time abcnaie transfer debit bran your brtu
.. for tine smash o'rho oiteck fhb au6adzatlarh applias to all cMc a mcdved Aurkg to bake cycle awn If ant by someos elm. If we cannot
us to make a charge against your bunk acowrt using the cock, a paper daft or crier sere. Proem the veneer, you suderize
027
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027-0402
Caplfaa
PLATINUM VISA ACCOUNT APR 18 - MAY 19, 2005
4862-3623-2057-3515 Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance $509.57
Payments, Credits and Adjustments $.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement If
Transactions $62.79 you have already made your payment, please accept our thanks.
Finance Charges $8.94
New Balance $581.30 Transactions
Minimum Amount Due $81.30 1 19 MAY OVERLIMIT FEE $29,00
Payment Due Date June 18, 2005 2 19 MAY PAST DUE FEE 29,00
3 19 MAY PAYMENT PROTECTION 1-888-527-6904 4
79
Total Credit Line $500 .
Total Available Credit $.00 You were amassed a past due fee of $29.00 on 05/19/2005 because your minimum payment was not
Credit Line for Cash $500 received by the due date of 05/19/2005. 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 call Customer Relations or to report a lost or stolen m&-
1-800-955-7070
For free online account swim and speeid customer offers, log on tee
--p halona.com
Sand Payment. to Send ingiuatt W.
Attn: Remittance Proensing
Capital One Bank Capital One Sorties*
P.O. Box 790216 P.O. Box 95015
St Law, MO 65179-0216 Richmond, VA 23295-5015
Finance Charges Plsru[rse leverre ndejor lmpartasl SnfO
IAf
Cr10A
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Pr4
(
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RAVE
to
fe
rd
PURCHASES $514.79 .0542S46 19.90% $8.94
CASH
S.00 .05425% 19.80% 3.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 19 0581300020000081303
M
n
Il
dd
New Balance $581.30 ewrp
wro
nda
ea-VY e- dda grriri6o,w,g•bbre wJ41wk ink
Minimum Amount Due $81.30 Street Apt s
Payment Due Date June 18, 2005
City State ZIP
Total enclosed $
Account Number. 4862-3623-2057-3515 Home Phone Altenate Phone
Ems9Addras
Capital One Bank #9014045608401519# MAIL ID NUMBER
MANDI MILLER
P.O. Box 790216 IJulorllriiulslni a 70 LEBO RD
St. Louis, MO 63179-0216 0 CARLISLE PA 17013-9326
IJInnILmlllrrdLLrlLmd1111t1LILrrrrlldLJrrld I11dIL1dllrrtltJlrllLLLnrIIrldJJlidrldlLrrrrrlll
Please vniteyonr arroant namberon yofo-dxcf or money order madepayable to Capita! One Rani and mail in the exelxeden aekpe
Send us your ermall address so we can beffer serve you.
Even if you've already sent us your e-mail address, please fill out the form and return it with your payment.
We want to make sure our records are up to date.
E-mail address:000000000000000000000000000000000
please print dmr(Y In bPockm bltx ink Youraddress shouldlndlde an "sign and cannot contain any blank spaces. A ".'should hats Its own epee.
Name: Account #:
Your privacy is protected at Capital One. You can feel secure knowing your e-mail address will never be sold or distributed without your consent.
For more information about our privacy policy, please visit http://www.rapitalone.com/parent/legal/privacy.shtmi.
CM2 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved.
arm
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1
a. Gran Parind. You will lute i mWimnm {pace pealed of HYingpedod cows
26 day. without flrhnc?e du on row purchaser, row
balance erwfan, new special purchaser and raw other ha?rrdrhg IWaroe o
inreactlon to ead
tlrgps if you Pay Naar taal 'New Bdanhos•, in or credits. (H the
a
eomManhes whh the fntportarmt Motke fm paymem a blow, maeenem neon to
rd In time for It to be credited by Van nerd matenem subtract try unpaid
dodrp dace. Tharo le no grace period an eseh edverhoea of each sepnetut.) 1
and special tranrbn. In atkttlorh, derv la no {pace Pmlod -69n .Ten, we
an emry vaesectlon it you do tot pay the total -New segment tar the low
balance.' number of day. In I
b. Aeanuing FYrrra Charge. Tranacliom wNdh am not average dally balm
s.aeerd elrr(p i)
m 3. Mn
d
PiwMays MI
firm the
dets fo tlrs tranasnion w
Th.
transaction Is poesased to yar Account or 3) from the 'APR' milk from
test talerdsr day of the erect bWfnp period, AdditahaYY. b. If the code P (Pdmt
if you did rot pay the -view Bdrka from ins peNar Deposit), or S (aenl
Wiling Period In fl/, finance charges Wntnre to accrue W this statement rod
Your unpaid balance wall the unpaid beleoe Is paid In fib. rata and conespm
THS mart that you nuyy stlt ate itrhra tlergr, even if
you pay the ardn Now Baleen kwila dm 'the from of may vary gwnsly
the mated Inds
an
your wtemanut by the and st rsanan t closing den, but did Iaurk plus the no
net do an for to previous menh Unpaid lkhance drrgea
aa
mhantt of
our Than cl, Mes wiY
s coven
NNr
g
y
.
t c. Pon eedh NNng period {hurt
=== q p
In 1hs he Jame
privacy protection: see our
ad 9"ce mark of Caphal
y Myreems accent the been Claaad, Your
of tide the arrant of tie tlrrgn?w11
we alt rd Wywu vAY be rasRharbr for
to balance metrbanallp fee for your stank
rd divide by the total
adod TN. gives us the
sgreen.
Rata- may apprr u
m-at.
. LIBOR), C (Certificate of
o) appears an the from of
odic rate W, the
e
IIAL PERCENTAO RATES
[crease or daemon based
d in The Wag Sam
oWy d8d d to you
ro m the fret day of yar
periodc statement ending
Ya+ accent b anblect to a Amence charge, a minimum r
c. If the code D (prime), F (l
+
r
. LIBOR) or G (3-mo.
F
i
h
pt
ff
t
he
C
4RO
E
of> b
e
h a
p
p
r
n
of
? Repriced
ycul
p
'
a`
o
toW firrre d
u
r
m
a
op
M
n
?
V
a
r
peri
b7er 0 anti nbt ?th
et
=V h
pa
statement mot W the
edadc ranW, 1
da
d
r
and mpoh 2 ANNUAL PERCENTAGE RATES may
a
?Al be
smart ft. the 00.50 mirimum he doome. band
I
baled to the grdrr r pnaht of ydr account. ln The Win Sweat Jo-A plus
stated Wrier, as f
td. T_.-.y Radudian (n Firm tinge. We reaorva the the margin PraNaualV dadoead to you. These dhenpoa
right to not sense any or all Brwrn charges fan arty given ., be elbeYVe m the flM alai of Your NYing Period
each month.
2. Awaga = Wras fk kdfna New Ylrdreael. 4. Arronwt of late, OwiNt rd Nasnld Payrnrt F-
a. Rrroe charge Is calculated by mtedptyeq the daily Your nxeam wis be aressed no more than two m the nee
balenhes of eadh aepnmx or yet seeeaat (a.g., cash
= listed hate that oar during my NIYng period. Uedan the
sdverh@, purcians, ,pedal ,
and epochal purchase)
by iha eonrpondrq daily periodic nu(.) that has been toms of Your cunaner egromnent, we nerve air dght to
Ian or that to earn arty tees win,ow odor rotiflcatm to
previously disclosed to you. At the and of each day dur4ro you without waiving our right to aarr the roe or dMlot
the billing period, we apply the daily pmleda rate M rd
segrhsnt of7 Your acrnrt m tlr dsMy ialaroe of -on
ae
nenht Th
n at the
bili
led
we
dd ni
d
f th Mr at a later ame.
6.tRanaeving Yeur Aeeeut. If a -robsNdp fee
e
ou have 30
r"ant he trot of Wa summem
,
p
{a
a
en
o
o
q Pa
a
the results of tier doily calabdon s to arrive at pp
, y
t wee tooled to yeas to
der tram the date IT at =an
1
finance
chaor each
w
?
ero
I. r 1.
a
?
t
a
u
t m sto
, at d. tad po
d
from 6Kh
mKft if you
n
cel your
aemuht. During thiperiod,
you m
y
Mhanhee tlmgp fa your arrant. To got the idly beleroo co tar to care aeeaat without having to pay the
your
g
for esdh ea(phhem of yor.mout, we take the bagim.z - rs
p fes.
To cerod your =12
1=
balance fm eedh WAm V add n now transactions
natty w by calling our Customer
=
1
:y, ery oedod Ikhsroe cage col rod an the pevlo s
b
l
am
h
W
h
b
. and pay your New Balance' in tuA (exchuing tha
b
N
I
al
ci
M
f
N
d
al
h
d
s
a
srhm
t t
at seQrhat.
s t
an r
tract ashy
Paymara a uodu prod r of that day that sat a
d mem
eu
.
m to
s e
t
e t
e
se) P
o
ny-
.
aY pe
8. H Yau Obaa Your A.aanas. You can cequen to dire
lone
m Uhot eogmam. TNs giros w the aghareu if balance
for eechh eegnerc of year aomuhc )lewever, If you geld the by cdWV our Cwtomm Rdatiae
m mwt destroy Ynur coedit cad(s) end
SEE'
New Balerrn alhovrrh an liar 'A. statannrrt in hL (or c)scb, csnrxl eY proauthodzad hilliq,
.
If your now balance wee zeta or a credit amend, row an0 tear yet smourht. If you do rot aancd
2== to petlcl Prendodzed arrarhpemams, we v careider
rot added m the dally bderheeA We
=
h
l
l
d
il
b
d3
il
h
d
il
b
l
tlurps yourtedutlmm reopen r
au
modal a' s
all
Additl
AY
le
=d
ate t
e average
ca
cu
a
y
y s
hg a
t
e
a
y
a
ance
belanras togeter arch d the sun by to number of y, ya
accent.
an
w eeeatn v
not
a c
until you pay all amounts you two
w ktdudrhp: am
the days M the arrest hiuehp cycle. To calculate yar total treranctaar lieu have aWSrized, I= durgr, pen
ft.. dul a., multiplyy Vann everspe defy balance by the due ter, ovedimlt far,
returned paynhed lees, cash
deli dada rate std Dy the ember of days In the biting her tees asaared
advance fees and any o to Your
pedoQ Ous to rounding an a tally bonds, thou m.y be ¦ eccaat. you eta re.penrPola bee than enhotma weather
aWK vedence between tNs calculation and the amou t of teV appeer on your aeceunt at the time yW request to
tnsnhm Uhsrg. etnely scratch
11 tine node Z or N a
b
ee
th
I
f IN
tatement
n nor the account or they aro lewrred suWequerht m
TN
r r
t t
di
th
tt
lt i
.
pp
ro
n on
e
o
$ s
rhma m -Balance Rau Appbd To; we maatply the you
o
re
e emaa
.
. may ma
n
eques
chergea ap !`"e, on your ocean{ afro your h°va
we afar your
wit be reopened,
W year amount,
W be:0 m
ans
[ by Ietw, carer the
to me
amour has been in fill r esNed ebovo.
7. =Y:=;.Y._ card a arrant cannot be
hh any Intemet genbing
transactions.
8. Iestie. Aiat Flaoaada Clh.oit Conwardsn. Wien you
provide a deck as payment, you suaeke w elthar o
use kdomntkn from your duck to make a one-dm
electrode had transfer from Your bent account or to
process the ppe?ymet as a deck transaction. When we
care Infihntnretorh fitan yar deck to make an electronic
had trarhsfer, hands meY ba winrrwm from your bank
wean as aocn r tha wne day wa moolve yar
patmaa, red you vAY roe neWve your check bad{ hen
your lihaeh00 kutibmon.
RIWNG RIGHTS SUMMARY
(In Gr Of Enna Or Questions About Your BUI)
If you think your bill le tvsong, a If =T d more
Infamatlm an a transaction or bill, w an a
71.1. slant as soon as poaamle at the address far
inqudrles alovuh m the front of this statement. We must
her from You ch lane then or cisy airor we seal you the
ham tip wnar the snot a problem but doing d. You nn
call or C wtaner Relations number, but doing r win not
prerrve your tldna.. Yea letter, give w the idlovdrhp
Mamatlom Year name and accarrt currlber, the ddur
amoum of the suspected error, a description of the error
and a mpardm, Ii pealhio, m you bdlete them is
therror; or If you need moro o a d of
the hem you am urge about. . You u do not low ve to to pay any
amour In =,=,, videthe g hZ aene ro Inwatiaetlno It, but you eth! are - ohYyytteetlt1 to pay o yau_ stf that am tot
in gtm. WNIe vte inwnlrn any action 10 question, wa nma
report your delinquent or cake arty action to cdlect the
amain You question.
S,t Special Rule For Credit Card Purchases
If you have a problern with the quality of property or
seances that Va+Purcihesed with a credit card and you
have tied in
gootl U to carat the problem with the
mordent, you may have the right not to pay the remaining
amour des an the property or wrAcm. You hove this
protection env wtsn iM pura)ur pia was moro than
860.00 and cis phrdur wee made in your home state or
witl„ 700 nhilr of Yore,, address. (If we own or
operate the msreham, m if we mailed you the
adwrtlartem for the property a 2 r=V; urdueea
aro mverod naperdan of arrant or se.)
Meer mmer"n= to sj all correspondence.
t Does not apply to mruama non-cmdll caid accounfe
t Doan act apply to busbess n ode tad accounts
In ar> ermPrnalt wh you mail to r wW be credited to your account as or tM nsrmm My wa receive h provided (1) you sad the bottan panto of this statement and your deck
valapa arch (2) yar Mymern is raealved h our procrekho arntar by 3 p.m. ET (t I roan Pat. Phan allow at Irst tan (6) banker day. for postal tieiwry.
Preceived by us at any othar lecatla or In:,* oter fawn maY and be credted_ at of the del van receive M.m. Our bump days am Monday through Saturd.y, axcl dng hdiday.
M=-d. not car maple paper ohs roc. who ppaeWWring your p?mam. When
you reed tae a checkW, you authorize us to make a onetime electrons immler debit from Vour bank
account car tha emam of 1 cheek trhN aubaizatlm apples to ai checks remand during the lolling cycle own it sat by sameone des. If we cannot process On trader, you authorize
w to make a charge against your bank among wing the dock, a paper draft or other hen,
Financial difficulties? (?,? 04t
Capftal
We can help! wMftin3rou wW )•
• Good credit can be important for getting an
apartment, a cell phone or even a job.
• 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. at-0404
0 2004 Capital One Services. Inc, Capital One is a federaly registered service mark. All rights reserved.
• To avoid risk to your credit rating, call
Your account is over s-Boo-955-6600 to use our free Check
by Phone service.
3o days past due. • If you prefer, simply use the payment
coupon below.
PLATINUM VISA ACCOUNT MAY20 -JUN 19, 2005
4862-3623-2057-3515 Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance $581.30
Payments, Credits and Adjustments t.00 Transactions
Transactions $63.43
Finance Charges $10.35 1 20 MAY OVERLIMIT FEE $29.00
2 19 JUN PAST DUE FEE 29.00
New Balance $655.08 3 19 JUN PAYMENT PROTECTION 1-888-527-6904 5.43
Minimum Amount Due $155.08
Payment Due Date July 19, 2005 You were assessed a past due fee of $29.00 on 06119/2005 because your minimum payment was not
received by the due date of 06/18/2005. To avoid this fee in the future, we recommend that you
Total Credit Line $500 allow at least 7 business days for your payment to reach Capital One.
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To an Customer RtUtions or to report a lost or stolm -&
1-800-955-7070
For free online smount xrvia and special mnorner offer, log on to
www.apnalone.am
Send Payments to: Smd itquiria to.
Attn: Remiuanee Proensing
Capital One Bank Capital One Se lw
P.O. Boa 790216 P.O. B. $5015
St Louis, MO 63179-0216 Richmond, VA 23285-5015
Finance Charges Pkue ra rrnru rid
e
* important infffmation
p
??
a C?
d ?
4#idr
i ,
1i1!: .Ie
n PURCHASES $615.29 .05425% 19.80% $10.35
CASH S.00 .05425% 19.80% 6.00
ANNUAL PERCENTAGE RATE applied this period 19.8096
PLEASE RETURN PORTION BELOW WITH PAYMENT
C_V 0000000 0 4862362320573515 19 0655080020000155081
New Balance $655.08
Minimum Amount Due $155.08
Payment Due Date July 19, 2005
Total enclosed $
Account Number: 4862-3623-2057-3515
PI ar t-d-W.'arddrr-& -d d-Zrrbr! -,rkfvrerbla k k
seen Apt e
Gry sus ZIP
Horns Phone Alamste Ph..
PatdAddres.
#9017045608401516# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 790216 Irlrrlnlrlllmrrllrmri m 70 LEBO RD 17013-9326
= PA
St. Louis, MO 63179-0216
Idluul?rnrlllurllrlullnudrinrllJluuJlrllulrrlrl n Iurlllurllluurtllnllrlrinullnrlrl,Ilnlurlllunulll
Please writeyaro aewant naaber on ymv rheaE or raoaty ordn made payable to Capital One9ank and mail in t!x endured esaxlope.
r
s
t?
g
H
n
t . now re wvap w Firaneq (itarpa.
j'a. true Period. Yau w11 IuYe a mfninrm graca period of
26 days whhar here ch f
nee pe C ram. To obtain the average daily belanc a for the -
? period =:,d by Ws tummen, we eke the
?
b -. rxaud if h Ira akeady been tlaeed For emnpb,
if you autlndzed a purWae fmm a merdtrx rd wa
W p?
balms tisrrNm, row spsdd
otl er
tAetpee if
w
a
ar eel N
Bal
'
I ro e acct my
lrauer
diWar
ssjum ps)nt each
and
Arbo
d receive t?trrutd?d md ?e?r .
from dv
y
p
y y
ew
ree
,
n
acooridsnes veil the krponrd NoWa far peynrseta hebw,
and In thro for h m be dedted by yar rwt waterrerrt or cre
its. IN the code N appears an the hart of tide
aaternterd iext m'Dalwws Ram ApplNd To: we also
ut
ald fneree tlu
subtract An
e k
lu
d
d h th
b
l the amen of the NaI? wNl bs Wrbd to your
exwrk,
and yyoouu w??N be reyaWbN her peNnaK. I
f tMro
N
•
doshp diem. Them ro gran period m enle adventer
N ¢ac a perod
rd spetW varnafem. h sdAdm, data b ro
m ar
tmroaedon If
ou d
h
w N
p
p
w
r
s
e
s
aroe
il
=66 ) This
n?t. gvea u the daily belree at each
• Tnen, wa add tip N 1M daily balances for each
f
i
ntemorrdip fee for your accent, tlr fse
w
fll at
ndi
we
m be dIrped, m wdaet by Ist+r, utdi the
armn beLrtca Idiwre been M h/ u de1Md Wove.
ty
y
o net pay t
e ro
ew aepnmt
o t
e kikp pwNd and at by the tow
bw of day h the bINnY period Tfds give u the 7. Udng Your A.eaad.Yaur card a sateen cannot be
used in co
ti
qh
I
bli
b. Aeeueirg Fieanse tlrergs. Trarractiane wHch am not
-0 f each segment,
==r rrec
on w
any
me not gam
ng
trrractio s.
to • grata period tiro sasesed Arerera dupe 1Y
hem tie dam of tlr trareaeript or 2Y ham tit dab tits 3. -
- CAPRI.
•. The tsnn 'Annual Panxreape Rats' may appear as 8. Nods. A6ar 1lsaasria Clrelc t]revrs6rr. When you
poride • drdc u psytent, you aus)nrize u dither m
tmnmcdm Is processed to your Account or 3) flan the
Aar slender day of the anent bWny period AddtiaelY.
if
did
" APR' an the ham of die sta(amnt
b. If the code P prirrm), L Gino. LIBORI, C (Certificate of
I=
l6 tae Mfa andon from Vor cleric m make • one-time
electronic AM trwfer hen yar bark account or to
rot pay tM
yt+
New Balance /mm the PmMata
bilNrp Period h fttl, Rtrm drapes cantina m scene to
yon updd belrtca tarA the u
aitl 6
N
id I
I
f
ll Deposit), or S. IRankeard PrYne)
ll
m the from of
two Statement next to the pedode mte(s), the periodic
d pr- the peymar u a dmek tmaaedm. When we
tae information from Your deck to make an electronic
tp
e
nca
s pa
n
u
.
71ia metro that
il
A
f
d nett an
oonarpadnp ANNUAL PEIiCQITA()E )iATES kzd «rrfer, haxN mail be wM)dmwn from your boric
you may ar
owe
nero. eve i
earpes, m dm trend of
you pay the erdre New Bdrxa Indicated may wry quantity and may inmeau a decreasebased
an the stated kNOU, ee found in TM WaC Svaet u the erne deV w a yew
account u E
payrtmrt[, mat reodve you check beck from
yonch oby the next sratmror dodnp data, but did
m rrdpruvlaa mash. Unpaid Ahance charges J.nrna/, Plus the m rOn d4oslY disclosed m you.
Tneae
w1A bee eckw
m dine Ater day of you =
your 6wen.
aeprterd yar Accoud.
M=== o
Ntl W , pe.de wn.
kg owrod erxkg
ri
SUMMARY
For ech 6Npn0 period that
_
you accoud b to a Means daag.
? in the mmtM ewry, Apt, Jdyy and October.
It he code D (JPile)
c
F (1- ' LIBOR) or 0 (3-mo On Case Of E.
IM Gr 01 Errors Or Questions Anon Your Bpq
If
hin
611 I
'
4=
E of ".AO wit bepepiN-.=f= If the
tow RN4NCE ape
perlode mte(d b Nu then 1 50
we w)1 .
,
.
L1BOR Repriced Monthly) appears a1 on the
fiposndoofd you'aa
ermeta
neorxrtdrtgo ANM1ALodiePERCENfAOE AAT64
co your
co t
s wmn a If you need
mom
I
1
langmraia drat as won pmdNe aldthetad d an
ree for
-
,
.stem from the 40.60 minimum and A. diferen ce will b0
biped ro the
pudwe u
f
m o
.
g
you eocaum p
may
wry
mmMy and may Increase a decrease based an the
armed Indca.
as loud M The WW Street Jet
k =
du snorer on the from of Ws smtemmt. We nnet
hur hen youro later than 80 days sitar w s som you the
A
n biu
k
F
?
td
Reduetiore
. Tenpwary M FMrwe rrpe. reserve 1M
a
We ,
=, P
a
ft margin pmNoWy dedoeed to you
These dmrgea n
m W the ante or problem appeared. You can
rill our Custom
b
r Rel
ti
b
d
it
i
ddA to not suer any or all Mmnee dmryu for any dvm
big .
veil be elfecdve m the Am day of your Npkg priori
eadr moil e
er,
ons em
ut
ng u w
a
o
not
pare Vour dgMs. M yar otter, pw u the idNwirg
I
m
ti
2. Avsrepe gafrue (MeM?d? New Purduas
a. Rrurtca dugs la elalamd by mdtlpl, g Ue drily
6alrece of srh aepnas of your aaxxad U
caN
¢
a. Arraswd of Late, Oveuiruit ail Re6mead Pryntri Fear.
You aecoum wR bs afseeeed ro more than two of the feu
listed here that occur rin a WhIn
Unde
th
eriod n
rma
ac your nrne and aocam rxm6er, tIn ddNr
amont of the wrpxled errs, a drenpion n the error
arwl an anetim, It
a poaal6b, of shy yw believe ttmm la
If
,
.
adwit a, prdusr, spadd trawler, and special purchase) '
g
r
e
te... f 0 P
your conaner epreemern, we rerrw the right to an errs; or
you need mote ktfama ¦ daserMrtlm of
the flanyou are uewra Was. You do not law ro pay any
=7= dNY Pedodc ats W that has been
m you. At tie od of each 6 waive or not to asset any tar wlthart prior notlflcatim to
wither welvhp or right to aaeer t rme ar almilar amoud M queatlan wNa we tiro It, but you
are still oNpated m pay the pens of your that are not
the b11kg Doted, we apply tfm doly periodic nro for each
of
ten
d
d me ate Iner time. In question. lNfile wa Inwa td ywr quaatim, wa rmmt
yu aceoun m
t
e a
ly alancs of eerie
"In
septmnt. Than at the and of ttr W Wp period
vat add rp 6.tRmwNg Yau Aamuf. If ;a msnt6srdip fee
oppn m the had of fhb temem
u
h
30 report you a depnqurn or seine airy adian to ctlN.t the
,
tfe resJts of Ueu drip. oddLtiae m amve st youtr , you
ew
Gy
from the dine wa ststemmrtt vas Had to you to amen you question,
periodic flnartce daps Nr astir eegmrd. We add uq th
male from each segment to enim ac the toad periodic -old paNnp dm use or to Nw wrdu fee ;11. you
if you cared You attoum. DuMg 1Na period, may 3,t Spadtl Fk1a For Credt Card purchases
thrum drarpe for "Your account. To get tie belsrra
for each aspnen of yon aoreurtt
tss aka ttr bepirir ottlnue to rtes yaw accam W1ltarrl Nving to pay the
9w"t W
fee
T
d If yar Nw a proawn with the qugty of progeny a
,
g
bdwrca for each ii ?nen? add any now trmwwd is
periodic
l
i
d
N p
.
c crie
Vour etcom, w rout
notify u by calling one Claterner ReladmeyDepamnem
'
?eerNcea that pudwsdorroct the pra6lem vAth the
rgs ra
a
ite
pre
oua
day s bait n fa tilt seems. Ws der abcmct my M htl (ealudng the
a:=Z) lew Balance
mpen! of the tHny4aI period mercieM,
e
t
y
N
w
le
W?
psyrrrrns a credo paved u ofUut
day that are allocated .
8. N You Class, You A-u d. V. can request to done a mo nt d
m
he
p
ro
pe
rNcoe. You
have 1Ns
rite Y of
prolecUm al wren
urWse was
fil
to thus sepruent. This dive u the erne duly bdmeo
eep
for each aepnerd of yon aaxsax
However
it you gold tie yyaarr amount by calling our Customs Ralati.e
oe
artmem
You ro
t d
tr
n
d p
mom
m
or
e
e
y
.
,
New 8alruca storm m you Prevlaa satemwd h hi (or p
.
u
es
k ca
oy you cra
(s) and
aceourt ecce
u
daelu
cancel s1
reanhodzW b
Mk l 00 Mlq r
m=.M. d
jlf we owe or
=
ttiw
N
Nch ,
p
W
g,
r
g a
the erdwrt or if tlbd you the
ag putMueu
e ? ? ?e p ' a seMCe
ee
ar w
paw ==J1 al
purduee saWnents am y balial . We
= Mp art rgaruma1 We WN Weldor
receipt of a Berge yea eulelzatlcn to reopen
arc ,
tiro cavrad regerideaa amain or ksatbn of purtlurJ
to the avempe daly?baiancs by %r- N the dilly
in
balrtcas topetier and cilm
the sere b
the masher
f y
aceaurt. AddtlauNY, Your aecourH will no be closed
til
a Pluae romermher to sign all oana?ondenee.
g
y
o
the days h the damn brig cycle. To calculate your WW un
you pail
.manta You owe u ittckrdrg: my
terns " you haw auh rub fins. dutpe, pest
t Q0°t sal Apply to c(wlJamer aal.vadn cord acMants
Mrr,re chspe, mktlplyy yar serape bdenee W the
dishy rate rd by the tsntbsr of day h the bLiq
r du feu, owdMdt is", relined payment fee, cash
advarta+ feat and arty otMr mu areued m your i Does as a
PPN m business ten-cradn card eccamts
pe
m rosdig on • dry bola, dare may be a aoeauart. Y. are reaporl6la I. Mese amounts whether
algid wdarne between this calculation ail the maws of
Ar
do
e e
."
d
they appser an yaw account at the the you request to ?rlt?
it One appons hforma0m Privacy Praecdm: sea one
b
the
m
N
Y arere
.
b. If the code Y a N appeem tM trmt o1 die satnnen cbse the account ar they am !rT d :='I o
yax ra
nast to des the easumN we
s
at www.cadtaldm.oam.
CaP)t On! b a }ederMy registered uMce mark of Ca
ital
nuwd m 'Bdmu Rem Aoa"ad To: we mdtlply the g
n
chepea a Mug m your steam after you Mw p
One =al Corporation. At rights reserved. a 2003
everau dMv balers fe.dr socament by hl eel a to be deed a the reoseNre of Cal" one 01LOLBAK
Mkrprter, Nogoe: Paymwu you mNl to u vll 6s aedtW to your acoant as o1 the buwualress day vro txelw h, proNded (1) you sad tie bottartt portion of 1Ns nalanem and your dock
Ue arrlased mmlnartce enwbpe and 12) your gyrem Is recelved h one Drocesskq tenet by 3 gym. LT (12 rem Pf). PNase diow n laart Aw 16) 6ukrwa day yfor peal delve
Pbeee doe root new +t+quie prodtMar bcatla ippnrasarWpryotMyr arc wy^muwn 6NTmno you vetch uskld Your au Imdze use m aaiey-time Noo?mNC tfer dahf[ immr Wnk ?y
accountfor tb amaan o tM duck Thb autlerizatlm appuee m ail dmc W reefed during 1M bplNg cycle Avon ft awn by someone Nse. H ws cannot pooeee tM tmnemr, you au)edza
u to make a uiurge agdnet your Oarrk acoasn tgig tie deck a paper dish a odor item.
027
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see reverse jor details >
ca
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
Account S
Previous Balance 1655.08
Payments, Credits and Adjustments 5.00
Transactions =34.83
Finance Charges $10.7S
New Balance $700.66
Minimum Amount Due $200.66
Payment Due Date August 19, 2005
Total Credit Line $500
Total Available Credit 1.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
T. .11 Customer R&6- or to report a It or stolen card
1-800-955-7070
For free online aamunt «rvioe and epeeist antomer o$ere, leg on to:
v-.aphdonceom
Send Payments to: Send iaq Lain to:
Attn: Rcnitteam Procnsiag
Capital One Bank Capin One
P.O. Box 790216 P.O. B. 302&5
.11 Louts, MO 63179-0216 SLC, UT 94130-0295
Fnlance Charges Please see reverse sidefor important information
l
dt perier
4 Carrgenldr
APR 'R
afp
u
e rm
PURCHASES &66015 .05425% 19.&0% $10.75
CASH S.00 .05425% 19.90% S.00
ANNUAL PERCENTAGE RATE applied this period 19.809E
PLEASE RETURN PORTION BELOW WITH PAYMENT
Payments, Credits and Adjustments
Transactions
1 19 JUL PAST DUE FEE $29,00
2 19 JUL PAYMENT PROTECTION 1-888-527-6904 5.83
"You are a valued Payment Protection customer and may be eligible for benefits to be paid to your account in
cases of disability, unemployment, and death. If you have experienced one of these events, please call
Consumer Membership Services at 1-888-527-6904 to we if your situation qualifies for a claim. Your account
is 60 days past due and your coverage will be suspended if it reaches 90 days past due, as stated in your
Payment Protection agreement.
You were assessed a part due fee of $29.00 on 07/19/2005 because your minimum payment was not
received by the due date of 07/19/2005. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
027-0402
JUN 20 - JUL 19, 2005
Page 1 of 1
RP 0000000 0 4862362320573515 19 0700660020000200669
New Balance $700,66 Pkauprint-dinddlnwmrd/ore,mdlrba,yrrbkamiaCW xAl kink
Minimum Amount Due $200.66 Se Apt s
Payment Due Date August 19, 2005
City Sno: 72P
Total enclosed $ Hom A- Altemsts Plwnc
Account Number: 4862-3623-2057-3515
EmsaAddm
Capital One Bank
P.O. Box 790216 I1lularhluljuulll
St. Louie, MO 63179-0216
11 liuullnulllutllrlul111111 11 111111111 11111111111111111 1
#9020145608401519# MAIL ID NUMBER
° MANDI MILLER
ut S'? 70 LEBO RD
CARLISLE PA 17013-9326
° i? iurll?atlllunullul?dJunllruitltilniutllluuulll
r
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E-mail
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l?
?r
a?
I?
a?
tea
will have a mHmnt grace period of
fin,ar,ce dtsrpe on new purdases, new
. row apedY purtlws rd row Khan
dNraw tr you pW Your
told 'New Balr,ce', n
aotxlrWnce whh the Ynporm[ NDd- for paymends below,
end In dom for It m be credited =.t
amtennam
Th. W no fem. In addition , tnom Is Qrsm perlod
cent 1po- l trw
on any
'anamlon If you do rot pay the total New
bdaoce.
b. Aeertig Fb- aarye. Trarasedarr w1kh aro not
I -A*mx m a grace Period em ar esed tkta,ce large 1)
rom the dam of the trarwetlan or 2) ban do data the
trarrsc don Is procered to yew Accam or 3) from to
fins calendar day of the o rrer% ding psdod Additionally,
if you did rot PsV the "New BWr,ce from the Previar
Wing period n ftN, ihanoe tiarpes xrslan m axon to
Wkr upaH balance tapN the unpaid balance Is paid In nkL.
Tile mew that yes mayy del owe 1kany aMrgos, aw it
e
yon pay the
your to t by the New taBlaseu trarairneve doeirg ir tla dine, from bu of did
d O
o or t y npd Ithrss tinges
not do ft fa the pneviab made llr
em added to the ?plceble appttar of Yes .=Z:
tc. MYdraen Fltaae a0h ga. fvr each hNNng pedod that
d
tot el FWANCEIez=Etof , once be?erpoaod If Cho
Cod Mar,ce dtarpe ma?r4tt from da appNe.ibn of ywr
pedo
roam m, flrate(s) b br than ct 60, and wig act Chet
an the 00.60 mkdnxm std the dfforenaase well be
hiNed m the pkrdtsse spina- of yaw arxaum.
dilk w t
t d. not daver R eeme n any Iy t F all krrwe finance ce oa dan0aa ch o tar reser mvey g aiven the
der[ pendoo w
2. A= Daiy Nalatoa If aYtn New F4dwu1.
a. Wanes dugs I cekuleted by multiplying to daily
bataae of each aspnam of you wbou t (e.g., own
advance, pudaso, spade trmrfer, and special purdaae)
by to xrrrpadtg daily period, nm(y that has ban
WevicedY dsdosed to you. At the and of won day da4,p
firs M" Period, we apply the daily periodic rate for wd
sagrent of your aeearx m tfr dWy YNaae of aaM
ae0rtam. Then K the ad of tfr hikg pabd, we add kp
the realm Of car dom. calarbtlae m ardor K
palace Mateo dirge for eetl, se ai We addup the
an. Ic
ToOK
htr" nce =f==.
, veto take rbegkeetg
pmt htprtetm dand ell any ? renv m moons
balance r
days balaroe for tat segrnant. We than tar eM'
peyrnonts a credo posted r of that coy lest son daroted
m tat whpnam. TNs we v the seperero dally balance
each of acruur,[. However, If you pyd the
if Your rave bolrtce was z?aro sa cmdt mount), ), fo, (w
tnarelxia,s weed, Iron m vat wr- or wadal
t?ndir .adarr Ato " wd, and ned, each aSlo Kb?haedt y, add any new
statement next to adanoa Rata AapnptNheed hmTc,wo tryof a em'
¦btnd any trpdd thence dune frdudad N the b.1-
of each a=we This glwa us, the dWy betance of each
"Wwr ern. ail the aYy balances for each
.a t for the bsYq pMOd am d oki Irv the total
days k the bYrq pedal. The awe u the
osuy oaunca a earn regnant.
3. Antral Rorer entage
e. The term '"natal Rate' appearas
APR' on the ftnt of tHs st . b. il rno. oot LIBOLIBO
If the rode P gdma), L L ( 3tR), C I the fro to f
C
)apart n(Ba extke the ped)o3?ee(a), thhee pfer?motdFS
tar and ANNUAL PERCINfAOE RAT
may vary quenady may
detrear belled
m the stated Incas, se tend inc1Tae rear orWill swear
?O-110, tplmu the margineHpsroctlNarly dsdwed to you
butna paled oowrodab yarwpskimade sllnan?oym andr.
In the meta Jmuery, APN, .ley and October.
c. If the code D (Pdmd, F (1-. LIBOR) or O (3-mo.
USOR Repdced MantNy)appoem m the from of yar
slatemeM next to the pe rate(s), the ppaemdo?dc roes
and ANNUAL PERCENTAGE HATE4 may
wrynemaroT1w. au ndmaV inen roeee Wa decomw baud on its
e ngin fond TM ig Stara Joura/, pke
gr
w1l be the mango proNaraly d=to.
w m fe f your WNNg parted
wad, month.
4. Asarrwlt of Leh, over6nN ad Rmumal =%-e
Your account We be aarred no more then few
lined hen that oxw deng any WINng padod. Under the
terms of Vest ortoma eNam mom, we nerve the rigtt to
wales or not to area arty ter =r" r rafikrtlon to
you w 1amt wa1 W,g ow Vd to me 0,
r
few K a later tone.
6.tRarwAhg Yaw Aemre. If. rnemhsrafdp haw 30
aggro m to from of this autanent,
daY! into ties data
Ws sutemont was milled to you to
fwd peyhg the tee a to haw such tee cradled to you
it you caned Vow aeroum. During We period, you may
carroinera to use your exam Wthout having to pay the
memWrship fee. To taood year atxxant, You tort
if us by ceHing ou Gunner Rantiae Department
pa Vour New Be.. In lull (excluding the
p on) prior to tie and of the IN"Y period.
S. N a Yeu Closei Yea Aaesem. yon wn request to dime
yyoauur atxaia t by calling our Cwtaner Relations
Depenmem. You must dminy your credit card(s) and
accent otter dace, cancel all proauthadzed being,
end cwt aeeanl. If you do rot cancel
nauthaiz.12C. we WN rxwlder
:='
your
racdln cf achegeyour ar uterizadon tonotin reopentlred
Canexam. Mo you ows s I a You Pay sy all ail arnanu you u owe m kdhdnp: any
framaetlow you haw atdarizad, Menoe degr, pen
due tam, overilnit tor, rolunad payment fro, wen
adverse ter cent ary other 4er assered to your
they ap. You aro accoam at the Case time you weather
they
appr o ou ngrn to
der the er etxam Your w or they that' am ro 1rstrrrsd wbaegtwm to
yea request to dime Me axwri. TMs may result In
chaRpa appmrirg m yea secant alter you haw
Mxoun It It Inc drawly been closed. For example,
suMrized • pud,sse from a merd,ar and we
tacelve tM trerraclim f om the nherd,att after your
atxhm has been cloud, yutr account will be teopaed,
the uncianit Of t?w
amnd?yoo?udwrip mpb account,
be added m your its or peytatt. If them Is a fee will corminue
m be The for Voce s? the by law, Wall the
+oootnt bdarcsm 'ne da has been in pi .s dented above.
7. Yar Aasam.Yar wm or accarN careen be
n,n born with any I menet gambling
tra
8. Node AWet Ele reel. Cheek OonveMon. When you
provide a deck r payment, you auhorize ce filar to
um Information fi t your fmr ? to make a s otime
you balk wcora or to
grocer the pa? mn as a deck transocdm. When m
err nkmatlan f yar deck to make an electronic
had trwwfer, fund may be wlddrewn ham you bank
account as soon r the same day we receive your
=add = = reoetva your cmek beck from
SIWNO RIGHTS SUMMARY
(n Case Of Erma Or Om Vomi Abed Your Bell
It you thnk yewlraif Is wrap, . If you reed mom
iniamationonce macti a NI, velte to m ons
Elate shaft a soon as possible at the address for
Elate
IrtgCidee slaw, an to front of *" "mom. We must
you na later than 00 de1v after we amt you the
first W on vMch fha error a prahlem eppesred. Vau wen
tall au Qatm,er Relo nmWr, but doing r 31 not
ppreserve you rights. In Vow latter, give ue the following
Infonrlafm yew name and account nnuha, the dollar
amour K tfa suepecred error, a dredpdm o1 the error
end an nplareaon, H peeeibte, of Wes yar bdiew faro Is
an ertar or If you need mom nbanatlen a dreriptian of
fe hem you usa?rodounrrre abowe am ut. Yw do not have m pay any
arere sib abEytad m ay the parts ofWp thIt, but at are tot
en question. YAib wo Inveadgem yaw µesdon, wo canes(
repot yes r W_1w m n to any action to alien the
amount you question.
i,t Special Ikle For Credit Card Pwduar
It you haw a problem with I qudiry m %11141 a
services, that you phrdwed weth a eroM cerd and yen
haw teed In good fahh to correct the peablern with the
merdem, You rosy have the Plain not 10 pay 1ha remaining
mount due an the property a services. You have this
gotaetlm aiy wMn tW pund,ar pries was mom un
J60.00 and far wr made n you Mme suum or
whHn 100 milim of your maWm adolmee. Of we own or
operate the mar ardenL or if we malbd you the
r
=====r
Pleat remember to I n allo of purdhre.)
t Does not apply to consumer man-coda am! -W.
a Does rot SANY to business non-crodlf ewd acmaas
8 the days n ee rxmnt
6ikp cyr?e. To r leulon yar total
O muldpl
y
drily pled do crate and liy tM average r of daya Me berg
p pedal. Due to muting an a daily bads, them may be a
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NN nett m "Bola ce Rate Applied To; we n i tldv the
OM ru porm Inismiedcn privacy Protection: we our
at www, cem.
One Is a W y and service mark of Capital
?d Conpaadac A)I lz nrFwd. 0 01LOL&4K
YrpatarPl Ilstite: Paymwna you mall to w wi W credited to your aceoun a of the briar day vw reoalw h pnoNdstl 11) you ctrl fe bottan portion o1 Ws aatanan and your dnedk
n inns admen ramlttase erhvdePe end (21 yar peysnmt b received n ow cans by 3 p.m. ET (1f ram Pn. Pear atiow n Iwo }w (6) bualn,er ari for poKal tbawry.
Paymans mcdwd by a K arty oiler location a in anY otMr mm may na be endteA a of 1M Gd?y1. we merles than. qr buaMeee deri an MadaY tlvagn Sanaday, sxdWrg hoNdeye.
Pleave do cal w rtapies paper dips, Ko. vdan pmparing r M art. 4VIan yes ctrl w a tiackW, you eWarizs u to make sera-time ebttmic traata dahh tmm your bWc
accokatt for tha arnaun o? tM dark TNS aWedzetim apq?to s,1 lacks reoaiwd dudrg tW bikg kyle awn 11 amity amara abx. It we carrot Prxaw tM trwmr, You authorize
w to make a darye agdmt Yotr WNc acoarn wIg tM dark, • paper trap a other man.
Your account is temporarily suspended from Oat
future charges and cash advances due to its T
past due status. ACCOUNT S
ATUS FOR:
MANDI MILLER
A good credit rating can help you get credit cards,
a cell phone or even a Job.
We can help restore your charging privileges:
TEMPORARILY
• Use our free Check by Phone service by calling 1-800-955-66oo. SUSPENDED
• Call our friendly associates for payment options at the number above.
• If you have online access, log on to your account and pay now at
www.capitalone.com.
CaplfalQryQ' what's in your -]let?'
• ifyou prefer, simply use the remittance coupon below.
The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose.
® 2005 Capital One Services, Inc. Capital One Is a federally registered service mark. All rights reserved. 042.OWS
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
JUL 20 - AUG 19, 2005
Page 1 of 1
Account S
Previous Balance $700.66
Payments, Credits and Adjustments x00
Transactions 13524
Finance Charges $11.88
New Balance 1747.78
Minimum Amount Due 1247.78
Payment Due Date September 19, 2005
Total Credit Line 1500
Total Available Credit 1.00
Credit Line for Cash 1500
Available Credit for Cash $.00
At your service
To call Customer Relations or to report a lost or stolen card:
1-800-955-7070
For free online account service -a lpedal antomer o9en, log on to.
-Mpiwonecom
Send payment. to: Send ingainw to:
Attn: Renutwa Promsaing
Capital One Bank Capital One
PA. B" 790216 P.O. Bu 30285
St Labs, MO 63179-0216 SLC, UT 84130-0285
Payments, Credits and Adjustments
Transactions
1 19 AUG PAST DUE FEE 129.00
2 19 AUG PAYMENT PROTECTION 1-888-527-6904 624
"Your account is 90 days past due and your Payment Protection coverage has been suspended. As stated in
your Payment Protection agreement, your ag and monthly charge will be reinstated once your account is
no longer 90 days past due. You may still 1=1 gible for benefits to be paid to your account in cases of
disability, unemployment, and death. Call Consumer Membership Services at 1-888-527-6904 to see if your
situation qualifies for a claim.
You were assessed x past due fee of $29.00 on 08/19/2005 because your minimum payment was not
received by the due date of 08/19/2005. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges Please see uvenre side for important information
Bd~ rwe P..;.& Ca?spa?dg
jbtlat. rdr dPR
PURCHASES $706.39 .054250A 19.8091 811.88
CASH 8.00 .05425% 19.8091 5.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 19 0747780020000247781
Pliarrpnntn jdarn -,V- e-aearfrd,nsrrrh! -,rA.-,W kisle
New Balance $747.78
Minimum Amount Due $247.78 Svee Apt a
Payment Due Date September 19, 2005
Cary Sdr< ZIP
Total enclosed $ Home Ph- Alternate Phone
AeeountNumber. 4862-3623-2057-3515
EaaaAddrea
i? #9023245608401514# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 790216 I1111111111I11III11III m 70 LEBO AD
'e
St. Louis, MO 63179-0216 CARLISLE PA 17013-9326
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Pleaee rariteyotn aaount number on your cW or money order made payable to Capital OwBAn4 and mail in t& enchved a Igpe.
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brsrra nramane, new ap(rad pudrpe artd new omer
clrrgp H You Pal Yaw Lord 'Now Barra', in
snxwdrtee vddt tM Niportru Nodee for Pay.. bbw,
rd h time for it m be eredred by yaw esr¢ sumnrern
::N
ipedd tmrrfere, In, e dWn Is grace period period ort cash aeleonces
an arty trrwalm if you do not pay the tad 'New
bdsrtm.'
b. Aeaukg Fkuc• Chag•, Trerractlorr wNM aro not
frtM hb totlts?traroalatfmrrtiha?r)
trerraetbn Is proesesed m yotr Acxtan or % from the
Amt ralerdar day of the arrrr biting par{od, Addtbrely,
ifyouu dd rot pay the 'New Babrce fran the DmNou
tywdarng Pedal in full, Arsonce charges coyoinue m accrus to until the 1. in Tier balance l
&m you maVy oral a%w M1wtca charpp, own if
you pay the mom New BWma Muted on the front of
nor o to for t DV fir roc staoerrrlkan cl 8Altrdate, but did
pmNOtu mach, roe largo
added to the of
appiratls aepprc of your --
Minimum iarsnes tltrp•, Fa pM hpling period that
told FINANCE CNAROE of 10.60 wp be IntPOeed. H the
lotei Artrtce drrye maVtlrq fnm tla eppgr?tlon of your
pedode ra[e(sl b Iw then MI.60, we trig rLtrect flat
amotan fran der 10.60 mtdpm rd fir difererce wgl M
baled m the prrdme sepnar ofyouv aocaar.
td. Temper la hx p flr'snta dt?W. t:m tla
!t9ht _ arf ryes 'Y dvon
2. Avrrg• Daly Bsl•rr•• fYwkrdirw New P rdm•al
e. Ferrante Mega le W&ted y mWiplyfrg tla
balance, of "ch pp:lef:t of Your acorn'' (e.g,
ai-rtm, puodtsp, apodd transfer, and qx"
tM Nlkg pMOd, we apply tfc daily pabdc mm for each
sepnarn of yam list saw of the m iM Waters of grit
T
soprrttt. hen r the penbd, we add W
tM mrib of tlms rdalstforo m arrive n
tram;ch satimeret to ?rrM % a ctho
Rnertes clwge for yam sxotaK. To get tla dsly bdrra
for saM eepnern a your acrctsn, van take tM beg a;
belsook for each sooner't end add trryry row nrrectfate
sold =%l* WaAa[ed es the
day' art egpra?x. We deal a Axrsa orlaamd
paymerce or aedm posted so of that day thrt am e
tOtt ppttan. TNa we u the sepamts daily belrra
for sad, sepnrn of yam sxotlK. However, I! you gold the
lbw Bdres shown an your prsNas WrerrrBntt in full (w
If Your row "rich - zem a a aedt emotanl, rew
troesactlata vAiM poet m yam purdup a epedd
calculate d ft* raderyt by as ewe
bdertess tagstlrr Joel doffing tM ran by tla rxedter of
the days In in& rxwrrr DfirtO Ctle. To cdaiats Vern toad
beginning; bdenc, of a"cchn aoPrront prh day, add any new
emilm. (l tlt?ooda? N appaen - the iT%r?l?t o fop payments
Rstomm n. Is
a
btme t tatpeld inform Pchee rge MWWTWO N the bdaxe
of each "74?: t.Owe are the daly balance of each
eepnatt, we add up am the aeYy beWrcea for each
aepnem for the tllkq pedad aM dMde by the tool
comber of day. In the N1nG period. TNa dwa u the
3. Arend awroge spy DrrtaroIAPRI•
f each -I-
Th. l P
a. t.e-rm 'Annual mt. area,.=t
e' may appear as
'APR' on the Prim of rn,
b. If the code P 1Pdme), L L ( 3-mora. ILI LIBOR), C (Certificate
ont of
OMrodt), -S (Dankurd Pr ' appaere on fhepfemm of
=ss xneapaMmiq?Af NUS'a's BIfAOE MTES
M y th veaantad Ndceeao, so fond lin he W? ?f based
,b F pun tM margin rp rOy lodged m you
Time vAA ba a won the Am day of your
baling lie covered by riodb natemem axlnrg
In the maMM Jarvrsry, '7p
yy and October.
c. If the code Dhe F (lyrro)BOR) .c 0 (3-rno.
LIBOR Repriced MamNy) agmm on the flan of your
rtatemamp pnoerxtdt rm? fife P. 'e" ratNa) the pedude rates
and rtd ANNUAL PERCENfAOE MTE9 may
very motNy and may Increase of
deereeae bred on tM
awed indcp, p ford
mrdn pre h The 'W=-'t=.P'-
ethe L dadoed
'WI be eftecow on the Amt day of your billing period
each math.
b. As-sor n of Lab, OvriNt and Returned Payswtt F%e
Your accent veal be assessed no more than
two al tFte fe
listed hem iMi axur during any blling period. Under rho
terms of your artomar egrerrrare we reserve tM right to
wave or not to sa•e s arty fees Wttaut prior notification to
atwlthom walling our fight to a- the same w eimllar
a later tkns.
.
6. y-=I un - if mbereiip fee
appean m the ithis st stemrn, you hew 30
days from the dam Ma statement was merged to you to
avoid peyfrtg the fee or to how such tae created to
you
if you arrxl your account. Otakg No period, you may
contlnue to tae yam account without haling to pay the
membership ip. To eantpei yore axaun, you tut
noAfy u by Wing our Cutamer Rdatlrs Daparanem
and payrdi yyoour'New 11 erto the the t1.1% N five and a (sadNttydey urlrg the
membs
p fee) litt paned.
B, M You Clove Your Aeaaud. You can rmgtmt to clop
your account by calling our Customer Relations
uepanmeM.sY
account axou tut destroy Yelour credt ardlal and
as drelu, cancel r mdtcdzed and
and sap uakc yon accauM. If you do not cartel
preauthaized ng anergent ' we Will
1crWder
receipt of a charge your autltodzatbn m r
acoarn. AddUauRY, your aceant veal not be dosed
untl you pay W Z- Yo yo you ewer u Irrckrdrg': any
trarraalon you he out=:, Marta Merge, pert
due fps, owdimk ilia, resumed payment fees, ash
advance less and say oftr rap seemed to your
exam. You am raapordde for dace .mama u:tmw'
they apppr on your account st tM tNr you Feplert to
clop tls ecourtt or they em Incurred sulrequeng to
your mgtmt to doe the account. This may rorat N
if you aWadzad a pun= from s menywtt rd veer
reoeWn tha irrmetlon from tM memlrt Aker your
t
account er amottt has of been 1M tirrys veal M attled tdaead, Wur eronrR veal be map",
the m yar amarr,
ettl youu=?? be rwpari Ie for peynetk. If them h a
rnamberdip fore for yar arman, dre fee veal eontknr
m be m the s:merw by Iew, 'a'ril tM
amen[ balance Iw been N /N p delNad above.
7. Van A•eaar.Vour rd or account cartnst be
N xraterxlart with ray Internet gambling
8. Nod" loa trod" b Abort u
FdaebaN• Cheek Carrvralont. When you
pmvmaNN?drek?papnrn, you atsladze u either to
olectronle find trerrfxrhan your bank account or to
prookaof? fifnpay? p e dtxktremaeUort When veer
kW tmrrfar, funds my e wltldrown from your Dail
axotstt p Won p the orate day vm receive yar
pr:t, aM you veal not receive your dtetk beak fmn
yawaytn 1Ywtdd
Nadturion.
SIWNO ROM SUMMARY
(In Cam Of Ermro Or Ouesdon About your Bill)
If you tNNt your ball is wrag, a if you need more
Nfamatlar on a lrarrp0 err bill, 'Mite to u on a
separate afwt p sot p posaltle at the addma for
des 1h, on ft from you ro a W d Ba0 d" te1t we ama you the
Are` Customer vRd n a Problem appprod Yau an
cap our ur
atiero nambsr, bur dokq p WI not
preserve your 00tomNeaM axarn rxncer yaw letter, glw u the fdovdrg
Amount of f the your , the dtlbr
rrlotrtt fi suspected snot, a depdption of tM ef/0r
and -- mplarrtlon, n Ii eedp
ther, er I aWble, of ww you bdbvo 1Mro la
f you more Nbma a deaedptlm o1
the kam you
am mare sbeur. You do trot haw to pay my
amount in gtmtlon vahla qo are investlgaMV It, but you
still qa? ON to pay the part. of you bill that am not
In gmO WNMk tw Nwsthete yam q:m
to to cveer name'
report ynu p delrr)twn or take my attlon dlect the
amorm you gncetlon.
Special Rule for Cram Card Fhrdteap
it you hewta prahipi wM' tla quollty o1 property
h er
merMaM, you ptrdreed vAlh a credt and and you
ew tried 1yyou ma good kith m Z: Rho P.M. vdth the
herNo it It yMv0 the right not m
pry the remaiNng
amount dus m the pF=nY as prNeee. Vou low this
potaeton pYy'Nrn tla puwinap pIp ovs taro than
960.00 aM the Pumfrp was made in yon home data or
wftlin 100 mlbs of yep morale adlZoe" Of m eon or
agate Acs mertdtpt, or If vw ,ad you the
advertisement for the proparry a p'o'op, al purdsea
are covered rrgardap of nnount or kratlon of ptrchapJ
Plpp mmrnber to sips all correspondence,
t Does not apply to oonswnor non-cr dtf card occawls
S Does mt apply to busbwss ms-.& card accounts
privacy protection: lie our
ad service mark of Capitol
wrraa rnr m naarpg m . spy rmr, vat may es a
alpr wdarrnp?e bettaeert thin otabtla' and:ter anrorrn of
b. I/ Am?xde Z or N afpea front of this armament
roc tp'Bdance Rats Applied To,' we multiply the
Drpatant Nstbe: Paymrna you mall to W will Da crodtod to your axwn as of tM Ouekrss my van receive i4 proNded 11) you asntl tM banan portion of tttb .N'ame' and your Mack
h tM ancloaW rerrtival:ce envelope arch (2) yew Mymem la received In atr pracsplrg artier Dy 3 p.m. tT 11 roar Pf). Pbap .lbw at least fur (6) btnktps Wye mr portal tlWwry.
Payments rocaived by u rt my other beatlan or in mydragttrXroufrorm may rot be eYrooduted av of tM day we receive firm. Our budrtsw days arse Marnday Wag' SatWay, eadutYg Ddidaya.
acp°°xtprrlMfor Ma?irnaof Mme dtdxk `THeaut?lzatl?x apptlp to 11 rrd?ixkWi?roaiwd d?irdrg iM b?kNkgkcy N szserutiY s?atrMeonaa ? IT we tp oc our U ekvamhr?you a?utlad:e
u to make a chargs ageinrt your bahit eoootrtt 'ring tM chock, a paper drak a other kern.
Your account is temporarily suspended from
future charges and cash advances due to its
past due status ACCOUNT STATUS FOR:
MANDI MILLE
. R
A good credit rating can help you get credit cards,
a cell phone or even ajob.
We can help restore your charging privileges:
• Use our free Check by Phone service by calling 1-800-955-66oo. TEMPORARILY
SUSPENDED
• Cali our friendly associates for payment options at the number above.
• If you have online access, log on to your account and pay now at
www.capltalone.com.
• If
f
i
l
h
?One what's nyour weaetr
you pre
er, s
mp
y use t
e remittance coupon below.
The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose.
® 2005 Capital One Services, Inc. Capital One Is a federally registered service mark. AM rights reserved. 04247606
Account S
Previous Balance $747.78
Payments, Credits and Adjustments $.00
Tnnsactions $29.00
Finance Charges $12.68
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
AUG 20 - SEP 19, 2005
Page 1 of 1
Payments, Credits and Adjustments
Transactions
19 SEP PAST DUE FEE
$29.00
New Balance
Mi
i
A $789.46 You were assessed a put due fee of $29.00 on 09/19/2005 because your minimum payment was not
i
d b
h
d
n
mum
mount Due $299.46 ve
rece
y t
e
ue date of 09/19/2005. To avoid this fee in the future, we recommend that you
Payment Due Date October 19, 2005 allow at least 7 business days for your payment to reach Capital One.
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To call Customer R&tkms or to report a lost or stolen w&1-800-955-7070
For free online aecoum setvia and special automer offer, log on to:
www.capitalonecom
Send paymrnis to: Send ingaid. to.
Attic Remittast. Pro-ing
Capital One Bank Capital One
P.O. Box 790216 P.O. Bor 30285
St Louis, MO 63179-0216 SLC, Ur 84130-0285
ri Account Information
Twelve unsung heroes of college athletics are competing for
the honor of Capital One National Mascot of the Year - and
you can help decide who wins! Each week, the mascots go
Mr head in competition, but only one will win the
coveted title and $10,000 for their school. Go to
capitalone.com where you can vote daily for your favorite
mascot - and don't forget to tune in to the Capital One Bowl
on ABC on Monday, January 2, 2006, to see who wins!
m
Finance Charges Pkxeseerevnmrideforirngswiant information
Rdanr «rwe Peri.& Com?p116-1 WE
.43elW& rate Ap6t
PURCHASES 8753.89 .05425% 19.8096 812.68
CASH S.00 .05425% 19.80% S.00
ANNUAL PERCENTAGE RATE applied this period
19.80%
?? ? PLEASE RETURN PORTION BELOW WITH PAYMENT
cam""` 0000000 0 4862362320573515 19 0789460020000289467
New Balance $78946
Minimum Amount Due $299,46
Payment Due Date October 19, 2005
Total enclosed $
Account Number: 4062-3623-2057-3515
Pf meprvrt-r.`.41--&- r-nvJrdmtrer k1 -r rR -H-kia&
Street Apt Y
C y a- yip
Home Phone Alternate Pb..
oFata6Addras 0
#9026345608401519# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 790216 70 LEBO RD
St. Louis, MO 63179-0216 n CARLISLE PA 17013-9326
[III 111 11 It 111111
Pleme writeyour aetoant number m your cbech or money order madepayable to Capital One Beni and mail in the enrlwad mwlope.
r
?
Z
L
t?
8
o
To- Owe Period. You wU haw a mWmun preea pedd of
ffi dsya vAdtou finance dr!pe m row punMesea, row
balrhm trrrmn, new epegd pwdrw rd row o1Nr
std h talkne fa k- bs aedted W Wye bebw,
by Your rmaa atatanrt
and special tr?n. In addition, iem in w grace,
on sty trarrecdon if you do rot pay the WW 'New
baWce.
'
b.:;;:V FYrrae Chrperiodpe. ereT
from renactlor vAYM ere rot
om t the m • prom erssd hwte dWge 1)
n ante of the traraalon or 2) iron the date the
trarscdon la =%d m your Atxart a 31 from the
flnr as b, Mkp p{heeriod. Additionally,
if you did rot pay the 'flaw Belsrim horrh the Previeta
billing Plod kit zl lkhahm tlhsrtaa mrrkhtto m seam m
your unpaid balance rml the unpaid Nlaco Is paid in full.
• mono that you may will owe tkhenco daryss, ovm if
you pay the scare flow Relates Murd m the from of
War statement by the nett ststanant tloektN dam, butt d
not m r for the preview month. Urpdd flnernm dnrypo
am addd m rho appYmbls fapnem o/ Win AcWtar.
t a. kYnbearp FihWw arrBe. Fa each b1YnN podod Uut
t d FINANCE aripsmwEAofWpW_ the
periodic c ratoW er ?w91 baep??Ytkrpaoaad Nytoheur
roue fl real dukn tlan 7(160, we vM wbuact that
amour nX,= ntlfkmrn std tla dtferenoe owl be
hNld te ?prrwd of yyooutrr smaant.
t d. T arsss 1naRUMnee ovga We resarw tlia
!? ary rtes fa erhV dorm
2. Avrapi billy Balaae
a. Flrunhm Merge is u
Py aeooseo m yrer. At me one a trsM m
he Nino Period. we apply the dlA pedodc rote for
seOnerm of your exam m the bslanhm of each
ae(pnam. Then st the and of the period. we sold up
the results of those daNY mloWdone to ardor atyour
periodic lkherhee doge fa to each setTerm. We add up the
rewlta from saM sepnrr urine at
h the mod pedodc
finance carpe for your account. To got the duety balatcs
for each sepnem of War aocasx, we take dm Wperln
begirslthg balahm of s..h estimate each day, tairl any
new MW jbW&ct .V
en on 1NNad tr f dame
a create. (if line ondeode N apps o
tatement
to 'Balancat Rate
tubt ar
aa ty tapdd 9nermoa da?A GrAdd In the bdace
of each sgnmt.) Tftis dv W theft dall belarhro of eaM
wgnem. Then, we am rip an vie delayy bdarua tar wilt
aepnart for the bill petbd and dNde V the Una
ra.nber o14ys in the NYnY period. Tnb glwa W the
avrpe dilly belarce of each sag nam.
3. Armal Meadapa IOWae IAPRi.
a. The term 'Annual Parcemage Rate' may appear as
'APR' at the from of No statement.
b. it the cofb P (Pdmo), L 13-mo. UBOR), C (Certificate of
W?a nnatement neBartxl bathe Mde6ate
rat the of
wAGEpaRdaATdES
es and mrraapennLq ANNUAL PERCENT,
may vary ganedy and may WW ncrease rt re se based
on the stated kxxess, ea fond in TM deeWatl Sweet
Javnal, pW 1he margn pprev in tNWOad to Wu
Thane dtrnpea x1Y he eHoetlw m tits 9M dsy of your
tllYrtp pedad covered 6y your pedodc statement ending
inf rho the ma ode D mhe Jaaary, Apd, Jodyy and Oaobor.
c. I (Fame), F (tyrro. LIBOR) or O (3-me.
UBOR ftapdod Manfey) • n m the from ai your
statement nil to the pedade Well) tla ppseddooddc ratan
and conespordrq AW)AL PERCEN?AOE RATES may
wix W refbctiv?.e Yufiaouarhee You. These Marhpes
each mondt. Y your tlNbng Pedd
e. Assetsmemt of Lora, OwrNdt and Reamed PWMWt Fees.
Your account x91 be assessed w moat than two at the fees
listed hero lor atxur dxknt any b W perla 1. Under the
terns of you atonror apraanmsrm, vro n.erw the dgb to
oral- or not to assess any fees wlthan cola ndgmtlon to
you widrou wdvkrt our right to aeaess the same or droller
fees ltd; out gone.
6.fMrawkit You Aeeemst. If a membsndtla file
appean m the from of
dari iron the data Ws aontaws reduid hetw o 310. to
avoid =the fast or to haw such tea credited to you
if you eanoe==Du ring ttla period, you may
construe to without having 1. pay the
membeddp laa. To mated your atcoWt, you meat
netity W by ulNrmg our C utomar Relanau Depsrtment
and psy your Nsw Branca' la lull erhtcundrhp tlhe
memberwp iw) Psa 1e tins anti o/ 1N W nYdaY period.
& N You Class You Aeaard. You cm regrew to does
Wyaur account by mirq our Ccatomar Rdatlene
Depsnmem. Vm mtrl destroy ytwr credo uml.) and
account eeceaa daclu, cancel
aY proautherizd hxlifq,
and case tuNq your eccoWt. I1 you do not untied
Pmeuthodzd fine anarhprnenta, we yviY consider
reoutiIn of a clmarpe your atdhdzatbn to reapm your
.co.m Addti V, you ecmmm win not
ba cord
udl you Par d amotrM you owe us Including: any
«sr ome
owdknt tar, r you Nw anlcAzd, 1Nnermu duryea, pea
due fees, etard payment ors, uah
advance lees aM ary other far awsssd to your
account, you an resparWtls fa tlrese .mama L.Nr
=a ppear on you account at the time you request to
the account or they em kcunsd wtbsspuem to
you regart to are the sttousm. TNa may result in
charges apprdrtp m your ateant ahsr vw Nw
M
egcant lass raven deaod, Your -ant VA be reopened,
tlr amount of the dupe wB be added to your axant,
adynu x91 be m4arble br peytnad. If there h a
mwnberahlp /ee fa ypr aomcm, the fee vAN norrkare
=d wped, te the ement parrdtted by Wv, Wvy the
Wlars has been Paid In M as dord above.
7. s In ?connAttoosavI.Yeter card or ctbt with any ?b? be
used
trarrectlrr.
B. Notles About F3apbr . ark Cmvoraien. Whon you
Peir?fametlahkfrom m Vate, aust"rize W Check w make a onlyM to
use le
dedrmk fond trrWar from your Whet secant or w
poteer the ppeaymam a a dteek tr ..salon. When xx
We from
yon dteck m reeks rt alectrornb
Nil [ranefer, fuda nay N xddWsvam /rot your batik
arraum l nom
BUn ss the Bone day we mooiw Vac
P+Yrmerr, and you villa not reodw
your check beck from
your
flrhendal ,
&WNG RIGHTS SUMMARY
(In Caw 01 Enos Or Question About Your BY)
If you tl" your hue la mnanN. or I f
you neat more
Inlamatlm m• trarwctlon a bill, wrhe to ue m a
separate dart r soon as possible at the address fa
Irpado. ah. an the tram of tfia atneman. We nmrt
hear finrrc you ne later then 90 dda.yyes after sun acre you the
flrN tlN m vtHM tlr error a pretlan ePpearod. You tan
can our CWta Rdatlon nmhor, but daft so vAN net
Praasrva roar tiyrm n your letter, piw W the ltllovdrq
nlaMatlorz Your rams aril aecaam nuriher, tlhe dtlerr
amore at tla nwPeeed eMr, • ereeptian of the error
and n mpanatlm, N paWhls, 01 xhv you hexeve them Is
an error; or It you need mere Infanta a tlsseripdan of
the tram you am ta-=Z. You do not hew te pay ofry
amorm In gtreatiorh Inwdpdnp It, but you
ere aril ablgstad to Pay the part. of you dlf glut am nt
In queNm. WNIs xo m ywr ptastim xe -
Men Y. as ddmlam or to cry action to coxed the
amount your question.
i,t Special Rule For Credit Card Purchaess
Ii you Nw • problan with the tFWhy o/ property or
rMUe thou you pumJusd with a credit um and Wan
hew tiled ti good 1aWn to rested /N Preblan x th tine
mordant, You nay hew the dqM net to pay da remalring
amount due on the property or servicea. You hew Ws
protaetlm eNy scan ga purdass omm was nhoro thin
760.00 ale p sae made a your home sae a
vvitNn 100 0 Mere of o1 m if adrhg we
own or
operate the nt for the e a it Z WOW you the advertisement for t a rrvims, an purdtasse
Pleer rememmbwe m?dpmi axamheWt of purduw.l
t Does oat epply to consumer;uwc edb card accounts
z Goes not apply to busftes ra Odlt card sccamtj
OrM nppoM inlarrtudon Privacy protection: sea our
i a vrww, ms.tzm.
Orw h a .lay repaerrd service mark of Capital
POllesms a croata posted r of thou day that are at-ad
m that aeprtrm. T. dvea us tl» saps. dry bt_
you oua
fbw Balenm = :11=P=..; If ermh eV"
If your new baboon vrae zero or • credit amount), new
Wrote... aeOrmrda are ntrurssdau xldM peat m ran padhaaeda bola w
1y[?bQbd to the illy the. We
bdsnnoes oedn and d.0balance
ft sun by to aV
the coy kit tlha oaten WOO cycle. To celc late yon tom
flnerce Mute, mutt ly your ave" dsN balres by the
dilly Wlm ram and by the number of clays in the bgxrp
peno• uW to Mang m e deny bads, them may be
?m wdance bK-NNI rills ulaluion rd the unoum of
It. If the =V14 ff the tarry areered.
are Applied da hen of dp wthemmt
rent m'Balance Rats App To; rye mddpiv the
khfernclwaxd :: P?ayr?tarrM you tar to W xiY a created to you accent as of the braMss day we recdw It, proNdd (l) yw awd ghe botoom poNm of tHa atnemam and your dredt
envelope aced (2) Your p+ymam la mocdwd M au aoceaakq oWmr by 3 p.m. ET 11 t non Pf). Persss .lbw n INrt nor 16) bWinsae days for true dexwry
Paymams roedvtd by W rt any Darr locaflen or In ury olNr tom try mat 6e credtad_ ae of the dayy we rwdw them. Our buakaas days an Madan drouN/t SrtirdaY, vududtnp faxday.
Perass do not ass slaplss paper d ate. wfan praWMq yow W mi. VYlan yw send W a dackW, You augmodze W to tasks • arts-tkrte elactratk iranlaf tlshft hen your bank
account for fM amount o? tM dNCk 4hla ausgdzalicn spptiw to a1 drscW remiwd tkpkq tM biting cyds own if sum by someone else. If we umot Proms. tM lrarafer, you aNpdze
W m make • daryp pdrut Wirer bank aoowt Wing the check a paper drab a odor item.
Capital0ne
w haft In your walret?l
Your account is about to charge off as a bad debt.
• We report an R9 rating to credit bureaus when an account
charges off.
• Lenders and employers nationwide can access credit
bureau reports.
• An R9 will limit our ability to offer you financial solutions.
• You will still be responsible for repaying the debt.
Good news - it's not too late.
• Call i-goo-955-66oo for payment options.
• Pay with our free Check by Phone service.
• If you have online account access, log on to your
account and pay now at www.capitalone.com.
• If you prefer, simply use the remittance
coupon below.
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. 045.0404
Giplla?g"
Account S
Previous Balance $789.46
Payments, Credits and Adjustments $.00
Transactions $29.00
Finance Charges $1195
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
SEP 20 - OCT 19, 2005
Page 1 of 1
Payments, Credits and Adjustments
Transactions
19 OCT PAST DUE FEE
$29.00
New Balance $831.41 You were assessed a past due fee of $29.00 on 10119/2005 because your minimum payment was not
Minimum Amount Due $831.41 received by the due date of 10119/2005. To avoid this fee in the future, we recommend that you
Payment Due Date November 19, 2005 allow at least 7 business days for your payment to reach Capital One.
Total Credit Line $500
Total Available Credit $,00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To all Customer Rdatiom or to nport a 1wt w stolen and:
1-800-955-7070
For free online wownt seats and sperid autemer offer, log on to:
w-.apitaloneam
Srndpaymentsto Send inquiries to:
Attn: Remittance Prorating
Capital One Bank GphdOn.
P.O. Box 790216 P.O. Box 30285
St Louts, MO 63179-0216 SLC, Ur 84130-029S
Important Account Information
Twelve unsung heroes of college athletics are competing for
the honor of Capital One National Mascot of the Year - and
you can help decide who wins'. Each week, the mascots go
head-to-head in competition, but only one will win the
coveted title and $10,000 for their school. Go to
capitalone.com where you can vote daily for yota favorite
mascot - and don't forget to tune in to the Capital One Bowl
on ABC on Monday, January 2, 2006, to see who wins]
9
Finance Charges Plemefet remade ride for smtortant sAformatson
Bd-not, Periota Car?.wd-,?
-
It0a,df. r h ?fpR
PURCHASES $795.70 .05425% 19.80% $1195
CASH S.00 .05425% 19.80% $.0o
ANNUAL PERCENTAGE RATE applied this period
19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 19 0831410020000831418
New Balance $831.41
Minimum Amount Due $831.41
Payment Due Date November 19, 2005
Total enclosed E
Account Number. 4862-3623-2057-3515
Capital One Bank
P.O. Box 790216
St. Louis, MO 63179-0216
N fi.W..rd.,aa,r.,ad?.r ?f arm •;,vsr -R kmiL
Steee Apt J
aw snre ZIP
Home Phone Alvutu, Phone
0
PmsilAdd-
#9029345608401516# MAIL ID NUMBER
I? MANDI MILLER
70 LEBO RD
CARLISLE PA 17013-9326
m _
° •J• ?sn???us???nnn??u??s?s?uul?nr?t?t??u?nt???uun???
Pleme writeyom w msnt nrmberm yom checE m money order rsadetayable to Capital Ors Bank and mail in the endued e-J,,1 e.
?
S
a?
a?
_-
?.t;=
a
t?
To. vase Farted. You vwM Mw a mkimun gmee pedod of
26 days vAtlout flrnarnpe drrye on new pudora, row
balaroe irsnhm, row sperJM Wrdteeea eM new other
adu?tIff Adty V toW 'New B Lone', In
and In time for it
m be a `mdred a m` ? '
60d tireiThee U n d oil sera adiw-n
rd special nmsfem. h ad Wn, them Is grace period
tmnectlort If you do not Pay the total 'New
b. Aeouhy titre CJtatls. Trarauctiare wHM are not
atbject m s pram period aro assessed Muse dnerge 11 3. A
fron the data of ceriM tmnuctlm r 2) ban the data do
trarrrotion b Piced to your Accost r 3) fran do
first celerder tmY of tlr arrest peeled AtNtiaoN , h.
If you t9d nM peY tM 'NOw BaWne?fian tM peNaa Y
biNkp Fouled h hp, flnnence dorpm mrntiraro loevens to
Vat tanPald balarnm urrA tlr unpsid balrnm N geld h full.
lNa rtrw that you my so owe fkwtca chortles, awn if
you pay the attire New ftsl m kndcated m do hem of
yeu aratenrom by des rent sump-* deeknp dam, Gar did
rot do r for tM prmidr momh lkpeW Make Morgea
me added to des appNmhl
tc. eikarman Ilunoa vCJ pe.eI"e.M WNrq?Perlod ftt.
nnarne amps mesa Ireton tlr ties of ?m?r
perlode mts(sl (a her then 60, tw aWtmct the
ennotar flan do 00.60 ro itmm and the dffe. ", be
baled m the Ixadrr agnr? of yar .rx,an.
Tanperry RaBM)en In Fiume Garpa. We reserve tM
dda w nottarse, any or all fimunce dupes for any *an
!" DaN tl
td.
2. A
a.
R te?nce chugs is cA ed by mtl?P14 tM dNly
baNrnpe of eaM eegnem of yar aemtat (e.p., Gals
adwnm, pusher, gMdal toaster, rd special pudor)
by the mrrea ,,IV daily pwlodo tare(s) dot has bean
previotdy drJord to you. At tlr end of eodn desy Arlrq
the bMV period, we ePPIY tlo dopy pedodc mU for mM
aegnast o you accost m tM dopybdrne of sa h
dr`rmuabTtitrms? end of do 6A'itp Podod, wa add tp
dopy mladotioro to, ardw r
Pedodc Mane Mettle for esM sepmun. We add tp tM
meNs from ead, sepnar m erd at the We pelodc
Mtros -r.0 pet you eaxun. Two oe tit dally baWnoe
balance tM of Yar acmtrt, ws take do bednirp
aeprtrt and add trryry trarractloro
an wry a Mute hs- macciatednewm the previous
des
aeymawq aanas m wm?aepsQanotln peon Gy, Addd Var v new
mat eta (Boom rU "Bel" Rata /y y d?fimt?ot tlia a
rbtrad arty unpdd krros ck:; kolUded h the balanco
of "Ch fegmem.l THs giw u tM daily balrtce of each
sepnem. Then, we addpeurpl-. the duly batwc for eKh
=A.-, IM bIW and dNde by the .,,he
edad T)is given averaagqee dally balance of se. sag ..
TM term 'Moral Parearuupe Rata' may appear as
APR' on des iron of tile ratemsm.
g do code P IPdme), L 13-mo, UBOW, C (cemflcate of
Deposid, or S (Brkurd PMn) „pram on he roan of
Wa nmsatlem next 51
dad
A WpeJdl1oslALcPERCLTZf ratala), the AO E poRATES
rate c
and dorroaoor
may vary tFortedy may Increase or decrease based
m do awed kdem, as mud in The Wag Street
Jrnoy Pkr tM maryin provlaWy Z=11 yoThese nor" WHIN be afleNw m of you
b1M Po euerod by yo a pedodc smtemera edng
Ir 1M month Jammry, T. Jul and O sober.
If the sxt0e D (Prune), F (i ono. LIBOR) or 0 (3-mo.
LIBOR Rapdced MrnNV) appaam m else from of you
auuemarn next to des psdodc mU(s), tM shade rat-
asy dsdesed to you. -
M the flm day of your
4. Asaasarret of Lazes, OvaiNt and Rablrnsl Pgmut Far.
Vw occur[ FAN M """ad n mom then two of tM tees
listed Mro that ooar dudrq any billing period. Under the
terns of your c=A, eemem, ws rorrw tM nyn to
waive r not to qbr notiflGdon to
tMthout walWnp w ddn to asses the came eloper
em at a kter time.
6. Your Aeeeut If a menarmlip fee
sppmm on tit from of 1Ha natsmont, you hew 30
days iron iM dare tlia nnamem was maNed to You to
avoid peylrnN tlr fee r to Mw A h fee credited to you
H VDU o:enod your atxoun. Durkq WsMvkrp m peded, you
may
cmtksr to toe Yw ac
pay the
memba4 ms. To earnceerntvAttout you aeeaan, You moat
ratify td by ceA ou Customs
Ralatlar Dapanmern
and pry Y. •tNw Balance- In
fW lexdurdn tine
I for dot sepnnt. W
Paymems or rof dot tlay that sro .N e then atbtrarx eM'
aedta pouted . S.
to dot aeprut. This dwe u the sopamm a.py lrlpsmldm
for asch Bel aeg m nfo aaotrn. lbwever, If YOU h
your poeNota statement in (or
If you row halsnm war zero r a crept arunouar), now
treradWrie tNirJn Doer m wur mantra ear wtNd
8
O
94
N0. murpr your ewrsps dry belaum by tine
dept ?dM to
mre end Uo nntbr of days h the hip
Penoa Du rwdrp on a duly brh, tMm may M e
eldr wdearyme beuveen d1W calndstlon sM the arnotan of
b. If tlro?tode Z r N eppeem U a from of Ws statmem
nod m 'Behove Rate Appped To: we nx"MV the
tiara teV Aaeara. You can report to der
yyoouur amxxun by c You must cur Qslaner pelalloaa
:C-rd aaccess durofeutka denroy you p preauhodr eredt Gdls) an
e cared alz d Win
nd ac d
nil mar usu6q?yhodur peunt. If you do rot unreel
recd of a duo - atrargemaz we wig mrrider
ax per 1row
:an. Addtlm Ny" aulodatlon to rea
y you accent wiN not be timed
urN you pay an amanb you owes u indtdrnp: any
tmrs&cd!i you Mw audodzed, Mteroe cimrpes, Pee
clue few, owdlmit Ira, rotumed peym. fro, Gsh
edvrnpe mm wed =:T
ur
account. Ype era tlroro amams wtrther
dry appmr m your ectxarn at the time ym request to
nor des actxunt r 1My are honored aWSogoern to
Yee' request to dose the secant. THa may meat in
chagps appeamnp on your accost after you low
your atxmut if h has aNsady been ciaaed. For exempla,
If you aurtlnr@sd a pudsr trooper a memJunt and we
receive the transaction tram to =after your
avatar fas been dosed, you aooout tW1 be rsoprod,
the arson of do dtatge wW M added m your sewn,
WW yyoouu wY be respo sibls far psyrnorc If tfue is e
rnen bon e per you wears, the me vdll errkum
m be m the eedarrt by low, tall the
=d bdrtes Iw been in 0, se dodrod above.
7. tNYy Yau Asaant.Vw Grd or aeeotan caret M
maed h ooranectlomt with enY keaart gemblhg
S. Modes, Abet FLsystda Cheek o mveml n. Who, you
proVld, a dock as payment, you aWrrhs u aid-
tram m
use hmmmtion YauMack to peaks a aasdrro
ebdrode hod tmnfsr ban yar bank aceoua or to
puce` ilem- yloan V a tar xiorn. When Fro
ydr dwock k m stake an yoadectrork
ur Mryt
your ur b nit
ceart fund as transfer, (tads may be -y hem yyao
a aeon as des same day
wa recelw bee
fir
Y receive your Mack it from
BILUSIO pi(tHTS SUMMARY
(h Caro R Boom Or Ot'OWY- Man Vas Blip
If you think Yeu hiN M wrong, a li you reed mono
Infomudon on a tranaactlan r bill, wdro to u on a
separates Yret u soon as possNl at do eedroes far
hquirks shown m the loan of dW?.paulamrd. W. nnmt
5r?n`tllf`/ Ors Wi h rartor a?WOaem firer wo Yamou you -
)tits
appmrod. VGn
GII w Custmu Relation number, but ddng r vAN not
proaerve Wur ddns• h yar btUr. dw u the mlowlnp
nmmtetim: your rune and occurs rusher, tM doper
amen of the autapeere Prsl d" oust, • tlredption of do 4-1
rror4 iarfntlon, n of Wrv you helkve tMro I.
you need mom Inf. a dmcdptlan of
the 1 you aro trutra about VoU do not how to Pay any
amount n s(ustlan "I we aro In- h, but you
are mil aMilmod to pay the pens of Y.
M that are not
In question. WHIG tw IT'at e r quato c we comet
report you r d?Nngtonl or tany a to clad it*
Moten you question.
=,t Special Rule For Credi Card Purdusr
Ii you Mw a problem vAth tM WeSty
Mw Ided In of progeny r
ha riot yea cotret a the credo God you
w til t ao come M wAit th the
merchem, Vou may Mw to ddn not to pay the remaking
reaM dos on tM ce ronAces. You Mw We
?W.Ctlan
and,V dw rjrroude was moro than
witlnkn 100 mpmlrse vVa h your hmome ame or
yw melkq aedror.Ih vue owe or
dvrertiaemem roofer rie?prrapHatwye mdNdM w eN Wtdtear
are ewrod rogardar et emam r bcrOm of purcheroJ
Please rememlear to sign all Mmspondimm
t Dons sent apply to eaawmar rwa-em& crd accounts
t Does not JANY to baalneaa oar- M card 'CoMags
PdvacY ProteNam see w
hpartenl Notba: Paytrtems you mall to u FAN a recited to your aocwnt as of dq Mlelnsro day we rooelw h proNded (1) yw send des boltan portion of alit ratanent and you tdteck
In
else erntdoaed remittrnoe onwlape wed (2) your psytnem Is recNwtl h au pracsino owner by 3 p.m. ET (1? roon PF). Plat albw at Iron tw (p) Mkrs days for posW tlepwry
Paymems'eealved by u r any other location or In eery othr mono maY rot ba emdted_ s of des day vw ram(w them. Qr burns days am MadeY thought SaarWy, exoiudrq MpWys.
ec?counMfor ? stouup„rof ? , r?e sro. w/rn psperkq your wymem. WMn yw?eand u e MackW, you atModze u m make a one-time elecvoNe transmr dahh roan your bank
u to make a do '"""" ?Tlia auMOd:atlan apse to a dreka repel Mdrq tlr MNrp cydo awn i} sent by canoes Nr. IT wa Groot prover 1M tmrrUr. you autlodze
ego agirst your bank augur uktp 1M dock, a paper tlrefi r odor ham.
Access your
account online ...
Register today at
www.capitalone.com.
027
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making payments is easy. Check out just a few of the things you can do:
Pay your bill online
- Checkyour balance and available credit
- ; View your statement
Plus, take advantage of other special offers developed especially for you!
cop"alo e'
whatY 1nyear wWW?-
see reverse for dedaRs >
cl?
AccountS
Previous Balance $931.41
Payments, Credits and Adjustments R00
Transactions $29.00
Finance Charges $14.10
New Balance $974.51
Minimum Amount Due $974.51
Payment Due Date December 19, 2005
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To call Cwtomer R&tiom or to report a lost or stolen ou,&
1-800-955-7070
For free online aeaount sM "and speew outomer OEMs, log on to,
www.Mrit lom.com
send pa7ments to: Send kwpid. to:
Attn: Reminmft Ptocnsing
Capital One Bank Capitet One
P.O. Box 790216 P.O. Box 30285
St Louts, MO 63179-0216 SLC, UT 84130-0285
0270402
PLknNUM VISA ACCOUNT OCT 20 - NOV 19, 2005
4862-3623-2057-3515 Pagel of 1
Payments, Credits and Adjustments
Transactions
1 19 NOV PAST DUE FEE $29.00
Take control and pay your Capital One credit card bill online for free. Eliminate the hassle of
writing cheeks, finding stamps and sealing envelopes. Everything you need to access, review
and pay your bill is available online. Our Web site offers you a convenient, simple and secure way
to manage your account Visit www.capitalone.com and register your account to start simplifying
your life todayl
As a valued Capital One customer, you are eligible to receive a free Year-End Summary for this
specific account that recaps your 2005 charges, provided your account is in good standing and
you have made transactions during the calendar year. Please call 1-877-794-4487 before December
31, 2005, to reserve your copy for this account. We will begin processing orders in January 2006.
You were assessed a past due fee of $29.00 on 11/19/2005 because your minimum payment was not
received by the due date of 11/19/2005. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges Pkareme raroeriesidefor important informati
on
rah P
eris
dv Cerre ya "I ?
MC
g dk r
eek R
PURCHASES
CASH s8
00
19
8
S1
o
$. .054425% 096
. s.0
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT
CRPh* 0000000 0 4862362320573515 19 0874510020000874518
New Balance $874.51
Minimum Amount Due $974.51
Payment Due Date December 19, 2005
Total enclosed $
Account Number. 4862-3623-2057-3515
Pkaepristaui(,gadirn nrL e-moJrbmrgrrkkeamrtYaA,e orb.. reek
seat Apt !
Uq Sate ZIP
ttoms Prone Altemsu phone
EmsaAddrce
#9032445608401519# MAIL ID NUMBER
Capital One Bank MARDI MILLER
P.O. Box 790216 hlrlilliiNJ IIIIII i1 o 70 LEBO RD
St. Louis, MO 63179-0216 CARLISLE PA 17013-9326
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Please w teyorer mr nt member onyo ahwi a money order madepayable to Capital One Bank and mail in the mrlxedenaulope.
r
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Please Print clearly b blackor blue Ink Youraddrcss should Include an "®"sign and cannot cw toin anybMnkspaca. A •."should have its own space.
Flame: Account #: 480130L31U,) /3315
....... %e M4
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02002 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved.
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To. tames Pried. You
WII hew a minimum grace period of
26 data vadnu firherhm de on row Puclssr, new
balrhm tmsbn, new gwgel Putliseoe and now odor
lriergea N You Pay Pow taut -New Bderoe', In
and In tint it to belie eel Modro for paymems below,
for by doalnh0 data. Ttere Is ro gram PWWW'on rash mot Kau.-*
n alsdM admancem,
trarsAers, h eddtlon, them b no Qmce period
?aarry trarhntton If you do not Pay to toW Now
b. Aeonit Flan Cher". Treneacuore wNdl am not
n!]ect m a gone Perlod em as so-ed AN-e charge 1)
from the date of the vanascdul or 2) fmn to am the
romMacti-n Is first cdrderr ay p y of do'um your Acco or from the
p?peeeldad)AddtlorWV,
if?you rid rot pay tw'New Balahm?from tw pmvbua
twttq Pedod in full, fiwnm charges event e to =rue to
Par uyeid balance ute the unpaid bYSrm b Paid In full.
This meow that you may an ave rywnce dmgea, own If
You pay to entire New Balrm kdcsted ash the fret of
Parr sutansent by is rode RlrerhlNt u I ' am, but rid
not do so for to previous momb. Unpais filenm dengr
m added m the aspnat of you Acrohs,
t' c. m -IM Is s m to F« ads b char period wt
natal FRf14WCE tliAUtGE of .0,60 AN a knpmri N the
toW fnnc?e dwrys Is wn ban ttw gx-.rbn of Par
ommalt raro(y 61w0.50 a mNNwnn and s we w tw dtbrree ild amew, t At
.mart Iran the At be
billed to the faxrctwae N ?p?lert « of Par acoaat.
td. Tohperry Radedan F'irrhes chi We r 1gi
?it m cwt oases cry old fiwnoo hm dwrpa far f« any y-
2. A H?nancebtBwal.
is .
M m you. At We and of mach
da
"apply de
Padoft
K to the asayy beelienoe of arils
to and of do Nip period. we add uq
se dolly calculations to an,e at wu
w
1F? one to each yrnaq unarm m aeOaNQmnalgapedg0ransn acs day, am env new
or credits. the natamaM (r1eM m 'Bdarlce C. gappaed we N
ambtr?aet arty upaid halm dwryp irhcluded ?h tie balance
eeprsm) TNs gives us the dilly b. «each
segment. Tlsn, w e add up AN the allyy balanm m f« eadr
segment for the NIIYp period and dNde by the total
nurber of NPs in the hang period. This gives - the
3. Ar-W Psromphli s Rntas [APR). _
a. The ism 'Amnal Wrcamags =may appear u
APR' on the /fart of 1Ha statesman.
b. If the code P (Pelmet, L 13-mo. UBOR), C (Cenificam of
Deposit), «S (Benkead Prime) appeam on the from of
INS statement orospuot dmr qt e periodic fate W, tls podock
ratan and conampprtino ANNUAL PFHCBJFAOE RATES
may wry quanedy rd may ksra- or dwiaaae based
on the stated hdor, as found in The WaF Srter
.Awray plus the margin -Ij1.v dadoaed m you
Twee dwlm? Wp ha e w Or the fm ay of
you
hisY?g Nariod covered by yea pedadc .tat.. ending
vest rmpneee maem n t m on tiro eased of Your
staternem next to the pad ,awW, is mtadt rams
and e«meo«dm AN IL AL l>BiCFNfAAp YLTR .o..,
n/^ puma-y aasasse to you 1 nee charges
WII he aflectlw
an the flat day of your hitlkq period
each marsh.
4. Awrsrnt s} L.etsr Ovaieit std Returned P.Yanrrt Pas.
Ya« atcourrt vIR he asasuod m mom then two of tw ha
lined hem that ow r dring any NRYg Period. Under the
toms of You uansmmer agreement, we mserw the tight to
W ilve or not to area arty fees vAthad pd« notification to
Wtmt waiMng our might to :save the same or similar
at • later tree.
6. Yar Aesa sL If. membemNp fee
=am an the from of this afaternerd, you hew 30
ari from the date this amtament was to you to
avoid paying the fee or to have such Is eradted to you
if you cancel you amount. outing this period, you may
canfiaw to uss Pow account without hevmg to pay to
mambeNdp tee. To w'c I you account, you must
notify us OV ealNnp ou Cuaromer Rebtla;Daparbnem
and playyaur caw IWNZ in hN (nrtludng the
mrnbstaNp fee) odor to tlw and of the lhinyday period.
& R Yau clsae Your Aesosht. You em request to don
=account by calling r Chatoner Ralatons
Oepsranat. you mat troy you credt cardbl and
account accede deco, CarhC01 aN presutedxetl Nllkt,
and mar uMnp 1'orr secant. 11 you de not carhoel
peeautlwdred 6ItlMq amrgemema, we va consider
mcelpt ofcharge your autleaatlon to reopen your
acIIIcout". Ad dar?ya your accost will not he closed
Pay you owe us Induding: any
traneeetloe you haw aut added, finance charges, pest
due tees, owdbat em" Ia. Payment fees, cash
:Nance gas and cry othe fors awned to your
sCmtnt. you are roaporsiblre 1a ter emards Wwther
they appear an your account at the time you request to
dose tha account or they an Nwrmd subsequent to
your regden to tlw the octant This may result in
Merges oPPaadng an your amount after veu haw
yon wummne if It her already been dosed. For omm",
If ym athorbad a Pudwas fmn a merchant and we
MWlw the transaction train the madlrr after your
eareut has been dosed, Par aomhn wW he reopened,
the amour of the charge wM he added m you acoourrt,
e d you wW be responsible for payment. If ttwro b e
memb0i" fee for you sccure, the The wild mrthua
to he tlhaped, to tlhe eusm pemYtmd by law, until the
ectouht has been Pell h M r defiled above.
7. Using Your Am. t.Y- card or .? cannot be
used In connection with ainy lmornm? gambling
S. NIdW Abort Eleob«da Ohsak pswambn. Wbm yw
Preuvkbintotml •und =4:= trwapsfar from m, S ecs1rk you to make bank aake ake apeorrc or onme-time
t
ebettorle And a us dire re
se d or to
==== r e deck transaction. When we
war Wu dsdt m yekour bMrmc.'
fund trsrrfer, i may he wmdfa=!X
Ana s
amtouat a soon r 0011 = ay vre re4•dw V=
=0.=1 ksarionyou far rot race ve you clack tram
.
WILLING RIGHTS SUMMARY
(In Case Of Errom 0, Ouesdone Abode Yau SRI)
If you 1t** your 6tll Is was, a If you need more
Infamadon an a traraa.C1.n « 615, value to - on a
am shoot as soon two allows on Ito as possible .statement. eW Must
E frost you ro I
Ares hitl on watch star then BO ay, afar we
the amer « promem appared. Y art you the
all our Cuataror ou eon
Madame mmber, but dart so Wtl not
your, eights. rot y In year letter, give the f saw dollar
amount of the wa?ectad anon, a dwelecryriptlan of the error
n maan 034"meon, If nor, or If you needdmom InfomutlonW a ddbelieve ewripa?n of
the larch you aro urhaa about You de rot hew to pay any
amount whore we aro .::f, tgafnp h, hurt you
inmghestlah. kylvfies°t{pmsm yooumsWdlmthat are not
report Pots r dMZ- or take sn lion m eallactmnwt
amount you question.
S,t SPNW Ible For Credt Card Purchases
If you hew a problem With the qustlty of property «
ha-? N you Wth m correst the pneblern Wth he dl coadit card " merchant, you may hew the might not to pay the remselmet
amount due on the 1Mcry «rrNas. You hew this
prolactlm Daly It
pucusre plea was moro than
650.00 rd is pundlw was made N your home .tam or
whhin 100emarclant, o mile of yourrmail addross (If we own or
sterns th if was milled you the
edvsnbenwn to tls pmpaty « rrNma, old of pun boa
eonespodam. rdk t of purdsaJ
m=11. sign Doff all amont or
Pone rrm
t Does not apply to wnfanar non cmdh card accounts
i Doss not apply to b shmse non-cmdff cad octants
One aypona inflammation pdvacy protection: w our
at www. ona.com.
ons Is a qtly rystored aeMa mark of Capital
ad Copaatlon. NI dams reserved 0 2goa
OILGLBAK
mr out aeghhsnt «your secant, hvs take the boo kt
belanc?s f« each regnant and adi any now trrrsadrr
rd arb ppss fi-ltstnoeon dsmed.vas ttrge alalamd on the Prsvfoua
aye ts Creel da Wymenrhm or « Dada posed r of that day that ot .0%..d
to that segnernL This give us tins =daily bola aes
lbw BeWlce hot m acoan[. However, ff Wh AN tar
Par crstatement
If Par now balants was zoo or « a • umhd[ amount), new
trrwNos wdlrh post m your pumbass or spatial
purdwse .=T:..
sgrwnhoa are rue added to the daily belenms. we
bet ?deldy 6d ?a?kM- an ? 11 Y
the aye in the merare bfit eVcl& To calculate
your mtal
fisrhm dsroo, muldielyy War average daffy belolm by to
atly me and Dy the number of days In the
bikt
P. Due to roaring an a daily basis, there may be e
hW variance between thim, calculation shetge srnWly asnsnd, and the amour of
b. 11 tie .271
ode 2 «N appam on the from of Ws tatemem
roam ;Salem Ram Applied To: we multiply the
Nlnp?tart?Pae? mail to w wAI be crsdtetl to your aomuht a of the baNen ay wo soave h proNded (1) you sand the Dottahn poNm of this statemam and your chxk
Payments reWved V0(0P° and (2) your ymant b hecalwd h our «xsaaka Dollar 6y 3 P.m. Er (1f rom Pr). Pbaa .lbw at last five (B] bwksss Nri Nor tonal deldwN.
Please de not use ? us st arry oatl?las locadan «in arry otlsr font may rat bs crodted_ es of the Ny vas mMw them. Ou dekwn ari are M«daV tlrangit SatuNy, sxacMdrg hotldaye,
+ceartt All the +mwt of Mai dheck'TNe aulwri2?atl?m?ppyieasrmpaa)merrc V? you sand ua a ahsekW, you aurhodzs ua m make a one-tkns aNgtrorde trrsNr dWR fr«n par brat
us m make a dwpe aq:inet your bade scowl unship the check, a paper dnhma ? ha?ih. ? ? ?s own if rem by samara she. It vre .mot proven the tmmter, pw aWwdxe
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to
unsworn falsification to authorities, he is an attorney for the Plaintiff herein; makes this Verification based
upon the facts as supplied to him by the Plaintiff and/or its agents and because the Plaintiff is outside the
jurisdiction of the court and the Plaintiffs Verification cannot be obtained within the time allowed for
filing of this Amended Complaint, and that the facts set forth in the foregoing Amended Complaint are
true and correct to the best of his knowledge, information and belief.
Patrick Thomas Woodman, Esquire
PA I.D.#34507
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#6143806
CERTIFICATE OF SERVICE
A true and correct copy of Plaintiffs Amended Complaint has been served by U.S. Mail, on the
" day of C7r, f , 2005 upon the following:
Grace D'Alo, Esquire
MidPenn Legal Services
401 East Louther Street
Carlisle, PA 17013
"-f " wodtyv --
CERTIFICATE OF SERVICE
A true and correct copy of Plaintiff's Amended Complaint has been served by U.S. Mail, on the
day of O?-f , 200 & upon the following:
Grace D'Alo, Esquire
MidPenn Legal Services
401 East Louther Street
Carlisle, PA 17013
a
ct3
Co
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK,
Plaintiff,
vs.
MANDI MILLER,
Defendant
No. 08-1088
AMENDED COMPLAINT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Patrick Thomas Woodman, Esquire
PA I.D.#34507
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#6143806
AMENDED COMPLAINT
Plaintiff CAPITAL ONE BANK is a corporation with offices at 15000 CAPITAL ONE
DRIVE, RICHMOND, VA 23238.
2. Defendant is an adult individual with a last-known address at 70 LEBO ROAD,
CARLISLE, PA 17013.
3. On or about April 29, 2003, Defendant applied for and received a Platinum Visa
credit card account issued by Plaintiff bearing account number ************3515. A copy of the
application is attached hereto marked as Exhibit "A" and made a part hereof.
4. Defendant was provided with a "Customer Agreement" that contained terms and
provisions applicable to Defendant's credit card account. A copy of the Customer Agreement is attached
hereto marked as Exhibit "B" and made a part hereof.
Defendant made use of said credit card and such use indicates acceptance of the terms and
provisions of said Agreement and said account had a balance thereon due and owing to Plaintiff as of
January 18, 2008 in the amount of $1248.24.
6. The attached "Customer Agreement" is the agreement that applies to Defendant's account
and is one of the writings on which this action is based.
7. The attached "Customer Agreement" states that the customer agrees to its terms by and
through the use of the credit card.
8. The attached "Customer Agreement" states that the interest rate to be applied to the
account was disclosed when the account holder applied for the credit card account.
9. Plaintiff states that it disclosed the appropriate interest rates to the Defendant when
Defendant applied for the credit card account.
10. The attached "Customer Agreement" states that the interest rate to be applied to the
account will also be disclosed on the monthly statements to be provided to Defendant.
11. Plaintiff provided monthly statements to Defendant from the time the credit card account
was opened until the time the account was closed because of the failure of Defendant to make required
payments. See: Exhibit "C" attached hereto and incorporated by reference herein.
12. The balance on the account at the time of the last statement forwarded to Defendant was
$874.51.
13. The annual interest rate at that time was 19.80%.
14. Defendant defaulted under the terms and provisions of the account agreement by failing
to make payments when due and owing. The entire balance of the account is due and owing upon default
per the terms and provisions of the account agreement.
15. Since the date of the last account statement, interest has continued to accrue at the annual
percentage rates as stated herein at Paragraph Thirteen (13).
16. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or
refused to pay the balance due to Plaintiff.
WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant Mandi Miller, in
the amount of $1608.96 with interest at the legal rate of 19.80% per annum from January 18, 2008, plus
costs
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED
SHALL BE USED FOR THAT PURPOSE.
WELTMAN, WEINBERG & REIS, CO., L.P.A.
Patrick Thomas Woodman, Esquire
PA I.D.#34507
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#6143806
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CUSTOMER AGR n i
;oa3 to Capital OneAD We are pleased to open your nett card acmamt.
arnfft cor a= hbrmffon about your aernunl Please read i and fop I for yo
rds. In ihfs Agrament lithe words 'you,' 'your and your rim b Each person w
:d tie appicalion acrd to anyone else who uses the acmurd in awry way. Each Of
frvidualy a d pinny obfgated under t a Agraenud. The words tire,' 'ASS' and
i Capital One Bank and Its su?om or assigns. We can deby enforcerig our th
r tft Agreement wihout losing fhem
g Your Accoeart. You can make purchases and obiaar rash advances (d we ha
,emu f vd cash advances are an opfim for your a=4 by Prat year card, acco?
3ar and arty accost access checks s mckrdig Pure use ChBcks. C
3a, Special Trart;W Checks and othhx smear deft) ghat we may seated b
n we WW* you WM account access d,edt we mfg bf you whew they will
-A as p=hases, cnh advances, or special frar>?rs Ltnirss we fell Yov ofhe wbR
-draence Checks will always be treated as cash advances
card or account cannot be mad in carahecf M wine airy kgwrd or Boo gambru?
ardour Your card and account may only be rsad for valid and faWU purposes
use, or allow somwm else b use, the card or ac omat for any impenTissrb
a5, y», will be responsbte for such use and maybe regnared to reantnase is
ar .ard irdmnaborial tr>corpo atad or Visa USA kr- as g0cable, for an wants
rhses we or they pay as !a result of such innpernksbbe use.
agree that we are not responsbfe f anyone, reuses b knnoryotraanumt Iyou do
sa your acco rg, you may cancel I by calfng our Customer Retafions depaitrnarit
i,?-boying your card(s) and am=" access c heda within 3D days 3W you receive
i Equivalent Transactions. If cash advances are an q*n for yrnr account. you
se your account to purchase ferns that are crodly comerIble to naafi. These cash
?.fend trarsactiohs w7 be treated as cash advances and will be billed b the cash
nce segment of your account. Cash equinrabnt karrsarCns b xhx: a the purchase of
trarrsbr money orders, bets, lottery fckats, casino gaming digs, and oar sm0ar
=N or mrvrrxs.
Credit Limit You were told your credit limit when you opened yore accoutt You
may have d&- rert aedd fanb that apply 1D dHfereni Sr.gftfe IS Of your BMUMt
r as purdrases, cash adaancas, and special tats[ss). These cmaolt ferdls win be
5W on your periodic statement You agree b male pedhases or obtain cash
wn only up b tie rakvard aw if knit. We nay increm or decrem your credit
at any fine, may limit the amount that is avaabie for cash advancm or may
der cash advances en&* from your account We may honor bansaclions in excess
rcr credit funs, am I those Trnsactiom resod in an oveifina fee, and ft.-a
3e?ors and fens will be covered by this Agreerrent
ng Payments. You pnxnise to pay us all amouds due remAng bun the use d your
cat: i ch drrg any finance charges and other charges due under the bars of this
nerd- Payments mist be made in U.S- dolars Payments made by a negobbl_
.n-j4 such zs a check or a money order must be in a form acceptable to is and be
i on a U.S. financial nhsttmfioh. We may allocate payrrob among the various
eats of your account in any way we determine.
dust pay at bast The mininxrm amount due by the date requested on your statement
id a lab payrr?td tea. However, you may pay more lhm the minimum payment or
he balance m full In any rase, finance charges win tonfincn b be assessed during
pzriods rot you carry a balance r'agardlew of whelhar or not ymw siAament
a rWffmn payment due.
an accept lab payments or partial payments or checks and money orders marked
Part fen fur or other similar language without losing any of our rights under Its
vmr4 irrcuding our right to receive payment in furl.
Tic Statement Each month you have a balance in your account, we will send you
n nrent shawl l an tramac Ions tilled to your account doing to beeg period. The
pad Is the fine from one statement dosing dale I=* and i ndudmg flu neX1
wt ud?hg dab. The staferne rl dosing date detemmtes ft month of a speanc
perfad. For example, your January billing period is the billing period w1 h the
hart ciosatg date in January.
ce Charge bnformation.
ai* Penrod You lull have a minimum grace period of 23 days witoud finance
on nets purchases, new balance transfers, new spenaaf purchases and new other
s If you pay your btal New Balance as shown on your periodic siatenot in full
bums for I b be credited by your next statement dosing dat° There is no grace
on cash advanczs and special transfers. In addBon, I you old not pay the total
;atanc a from the previous bgrtg statement in full and in time for I to be cxedm?d by
dstaletro t dosing date, theta is no grace period on any IransacliorL
xvbv Finance Charge. Transactions which are trot subject b a grace period are
.ad firmrce charge as follows:
Scions made during be cur ent billing period: tram the transaction date.
Pei tatsacfrons and tranzsadons made with account access checks: from ft date
, sacliDn is processed to your account
actions made prior to the current ln'bfing period: from the first calendar day of the
billing period-
*hally, l yw did not pay the New Balance from the previous baling period in full,
charges cohfiraue tD accrue to your unpaid balance uniii the unpaid balance is
This To gat to d* balance for each segment of your account, we take the
ur I g! "S E-alamce for each segment and add any new kamadmrs and any
ho ? charge calculated on the previbm day's balance fOr that
you sr ifya two zbkact any payments or credds posted as of that day fhat
our are allord b fiat 5agarent This gives us the separate dally balance for each
is ufyoar account. Homes I you paid the blew Babb r` shown on your
previcas t b full for I your New Bafanca: was zero or a lards arnWntr
ve ON Which Post to your purchase or spacial purchase segments are
cdaddedfiotfnemfalybabnces.
omven?nc?z TO your kW finance dnarge, muff* Your average dally balance by
you Me dagpedmfc r# and by the number of days in to bag period. Due b
be monfirg cm a logy bass. fhem may be a slight variance between this
and ft a omg rot finance dine ach afty assemed
K QsbAdrAmv Fee. If a rash advance tee applies to ymr accohml, you were
g fold to hembe h you opetned your account no be WE bs charged sad Tura
I yea ofrC b a raA advance and will be added b ffre cash advaue segmerg of
to yarn a and will reduce your melable a? The amount of the cash
and adaaw be v H be added ID other finance charges on your perfodnc statement
w for le»e d mh&frg the annual percentage rate dsdosed finery This
am eazse ft aaand percentage rate disclosed Dn year atafatnent to be
gnml r ifaraa the asaanat percentage rate that was disclosed to you when you
VoWyEffaccoumL
G. T Re:fidron m Fvnarrce Charge We reserve the right iD not asses
any oral tinarnta dirges for any given belfag period.
Otitis Fees and Charges. The blowing fees may be bled b the purchase
5e900t of Your azxnmt, unless otherwise specified, in every billing period in
which tiny ate tale payment fee I we do not receive your paytnent in time for
lbw It d by the folowatg stalernent closing dale; werfin-A fee I your
auxomt (aragr segment of Your account) goes or stays above any temporarily
orb asagrred aeaa kA even I we approved the ove&& amwM,
at amIlime dieing line bung cycle (regardless of whether you went ovedird as
a result d a fin, finance charge, or any olh r fee or charger retuned
checkfm-- irgased every time a dur-k is returned b us for any reason, or I we
caudLmaryoaracconrt access dhed5 for arty reason; and copying charges
br dalcde: =on d banmctions or statements unless requirad for brxV
drsptb awlidm Thase fees and charges will not be assessed j your blfeg
ad&= szs is Preeb Rico when your account was opened. The fee and
charge a' were drsdosed b You when yw opened your account. N any of
lhase lies or dharges are duanged u bsequuent b your accmt opening, you
wd be: I - of ft new amount We reserve fits right b waive these tees
wlMVdP®e'rMISX35on to you.
rya Fee f your account has a membership fee, I was crscosed to
You VIM yuu open yarn atzaunl The be win be bled b the purchase
sepnertofyonaccount
Credit Swam k&wnation. You agree that we may obtain your credd
irfoureftm ftam credit reporfrrng agencies at arty time for the purposes of
rrworl is g your oed3 periomiance, managing your aczvuht and considering
ywr lior n9w offiss and program.
Frame Offe ;.The bmrs of any bhne oferwM be drsdosed b you at the 5me
the offs made I you accept an oft, the trarrs wilt be=ar effective
branedb" lutes o9 erwise speddiied in the offer.
Deh nlt We may mmider you to be in default urdrr Iris Agrerun-A it (a) you
fait b pay ft miifmn payment on fume. (b) you w=ed your credit kA or (c)
you pair Ls With treats that are retuned for any M MM To the Wdent penrrlted j...
by fair, yon may abo be in default under Pus Agrherrod It (1) you violate arty of-
fie offsirars dffits Agraernent, or arty of the bums d any other agrh emerttlm
w1h es ur any of orw of iiahM or (2) you made any false or rr>tsieadi V-mstaiamae s on your applicafion, or (3) banloupicy or other insolvency =I
poceedbW are irusftfied by you or against you Atbt you are in ddwk {
aAerwe pre yen any nofte of a right tt are the dalaig I required by b4
wed
tray res151 yarn ahccaumt from new tanMiDns, or close Your aMMd andL u
dww d tom paytnerd Of the enft outstanding balanm In addlton, as a
ran* of to dehuX your mmnum payment may hawse wiigmut advance
no5ce
To the enIs I j - in d by law. you agree b pay all court costs and collection
expenses kcwrad by us in the collection of any amount you on us under this
Agreemot ifyom dehml and we refer your account for collection b an aitomey
Wo 's ad ear sated errrbyze, to the extent pemdibd by law, you agree to
pay reastr? akeneye fees. You also agree b pay any costs we may incur
in retrfeft yrow cards, inhclcrdag any costs we may roar by having your
ammi Vilaced an a resbiCted flit
If You Chee Tom Account. You can request to dose your accourd by calling
our Ambaw Rehftm department You must destroy all cards and account
access f I ? o-; , , at prow1horirad billing arrangements, and cease using
your aexomaaI gyou do not cancel preauthorhad blifing arrangements. we wig
consider raght of a charge your and ort?5on b reopen your account
AddlfiOral yawa==A will not be dosed until you pay at ammnts you owe
us trtdufflrit wx I ;' clLs you have auftfte 1, finance charges, late
3. Accruing Finance Charge. Transactions which are not subject to a grace period are
a&s-.-ea fins charge as follows:
.Transattons made during the current billing period: from the transaction data.
-Undated transactions and transactions made with accourrit access ri>er.?m from the date
Me lransactiDn 'sk>?sed in your account •Trarnsadnns made prior to the current billing pedodt from ftre first calendar day of the
current billing period.
AddiSm ally, 1 you did not pay lie New Balance from the previous billing. period in full.
fmancis charges continue to accrue to your unpaid balance unll the unpaid balance is
pad in fud This mans that you may still owe finance charges, even t you pay the enfrre
New Balance indicated on to bunt of your statement by the need statement dosohg date,
cut did not do so for the previous month Unpaid finance charges are added to the
sppi=bla segment of your aocounL
Ashmm Finance Charge. For each billing period that your account is sutrjed to a
finance dmrge, a minimum total finance charge of SOSO mil be imposed. If the total
franca charge resulting from the application of your periodic rate(s) is lass than N.M.
we wait subtract list amount from lie $0.50 mi;*num and le diffmance will be billed to
he purchase segment of your account.
). Periodic Rates. We detrrnine the daily perb& rate by dividahg the annual percentage
ate by 365 and rounding 1 to the nearest 111 DQ,DDDih of 1 X. The rate may be different
or each segment of your account (e g., cash advance, purchase, special purchase. and
:petal transfer i appimble for your account). You were told the daily periodic rate(s)
Awn you opened your account and 1 appears on your stalemeril
Calculating Finance Charge. Finance charge is tatou lated by multiplying the dally
valance of each segment of your amount (e g., cash advance, purchase, special transfer,
.nd . special purchase) by the corresponding daffy periodic rate(s) that has been
Tev`rotshy disclosed to you. At the end of each day during le billing period, we apply the
aly periodic rate for each segment or your account to the daily balance of each
egmenl Then at the end of the billing period, we add up the results of these daffy
alwlatiuxu to arrive at your periodic finance dine for each segment We add up the
muffs from each segment to arrive at the total periodic fiance charge for your account
aernerd andla tempmrily or permanently suspand your credit privileges. This
ides, but its not lrnited to, situations where you have violated lie Agreement orwhere
save reason b doubt your creditworthiness. Your obligations under this Agreement
inue after your rights to obtain credit have been iem*iated or suspended. We may
y in enforcing our rights under this
AD is not our, salaried employee tD the extant perm )<ed by taw, you agree to
pay reasonable attnmeys' fees. You also agree tO pay ary oasis we may incur
in rehimling your cards, including any costs we my incur by having your
amount placed on a restricted fist
If You Close Your f:ccount You can request to close your account by calling
,ox r;inmer Rehfons-department You must destroy all cards and account
accss chador, cancel at preaulhorizsd billing arrangements, and cea erasing
your a=unL If you do not mncr.J preaulhori and billing arrang°rrwriis, we wiu
cDnskL-r raceipt of a charge your author!Mbn to reopen your accounL
Additionally, your account will not be dosed until you pay at amounts you owe
us mdudirg: any liansacfiors you have aul prized, finance charges, late
payment fees, overfirlll fees, returned check fees, cash advance la.s and any
other fees assessed to your account. You are responsible for these amounts
whether they appear on your account at the fm you request to dose the
account or they are incurred subsequent b your request to dose the arxounL
This nay tesul in charges appearing an your account after you have requested
lie account to be closed or the reopening of your account I I has already been
dosed For example, 1 you authorized a purchase from a rnsrctmrd and we
receive the transaction from the merchant after your account has been dosed,
your account wfl be reopened, the amount of the charge wig be added to your
account, and you will be responsible for payment U there is a membership fee
for your account, lithe fee will continue to be charged, to the extent permited by
law, unit the account balance has been paid in full as defined above.
If you want to shop an authorized user's access to your account, you must call
our Customer Relations department and destroy the user's card (d any) and any
accorid amiss caeca he or she may have- I you are unable to destroy that
person's card and account access cchec im. and you cal our Customer Relations
department to dose your account, your account hwdi be dosed and both you and
the joint cardholder, if any, may apply for a new a=unL I we dose the
account you and the joint cardholder, I any, will stie be liable, individually and
to gether, for al amounts charged to your account.
If We Cancel Y6ur Account or Suspend Credit Privileges. We may at any
fine, with or without cause and with or wiluoul advance notice, bem*kdQ this
/ First 3 months half-price .41 97
month;
4 $9.951mo. thereafter
t ?"FRFEAccelerator'
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r SIGN UP TODAY!
1-877-778-1207
Mention Offer Code: OPAL
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CapilaloW
Account S
Previous Balance $.00
Payments, Credits and Adjustments $37627
Transactions $76629
Finance Charges S.00
New Balance $390.02
Minimum Amount Due $11.00
Payment Due Date July 15, 2003
Total Credit Line $500
Total Available Credit $109.98
Credit Line for Cash $500
Available Credit for Cash $109.98
Atyouraetvi«
To all Customer Rdad*m or to report • lost or stolen w&
1-800-955-7070
For free online soesunt seeria and specsi autemer offer, log en to
www.npihlonneom
send P.7-ft to: Send inquiries to:
Attn: Renatizace Pre t
GPWOne Seniees CapitaiOneservmn
P.O. R. 95147 P.O. Box 95015
Richmond, VA 25276 Rldmwnd, VA 23295-5015
003
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PLATINUM VISA ACCOUNT MAY 16 -JUN 1S, 2003
4862-3623-2057-3515 Page 1 of 2
Payments, Credits and Adjustments
1 06 JUN FRAUD ADJUSTMENT - PURCHASE $52.92-
2 06 JUN FRAUD ADJUSTMENT - PURCHASE 27.55-
3 06 JUN FRAUD ADJUSTMENT - PURCHASE 58.17-
4 06 JUN FRAUD ADJUSTMENT - PURCHASE 76.00-
5 06JUN FRAUD ADJUSTMENT-PURCHASE 14.75-
6 06 JUN FRAUD ADJUSTMENT - PURCHASE 8.94-
7 06 JUN ADJ- PURCHASE - FINANCE CHARGE .16-
8 07 JUN FRAUD ADJUSTMENT - PURCHASE 9.34-
9 07 JUN FRAUD ADJUSTMENT - PURCHASE 59.89-
10 07 JUN FRAUD ADJUSTMENT - PURCHASE 36.57-
11 07 JUN FRAUD ADJUSTMENT - PURCHASE 31.98-
Transactions
12 02M CARLISLE STEAKHOUSE CARLISLE PA $5.98
13 03 JUN SUBWAY t 26369 CARLISLE PA 4.65
14 03 JUN REGAL NAILS CARLISLE PA 76.00
15 03 JUN DELI CREATIONS CARLISLE PA 27.55
16 03 JUN TEXACO INC 14151364942 CARLISLE PA 8.94
17 03 JUN EXXONMOBIL75 29674793 CARLISLE PA 58.17
18 03 JUN WALMART #2574 CARLISLE PA 52.92
19 04 JUN DELL CREATIONS CARLISLE PA 14.75
20 04 JUN EB GAMES #2789 CARLISLE PA 31.98
21 04 JUN EXXONMOBIL75 92010214 CARLISLE PA 9.34
22 04 JUN EXXONMOBIL7S 29674793 CARLISLE PA 59.89
23 04 JUN CHENS KING BUFFET INC CARLISLE PA 36.57
24 11 JUN FRAUD ADJUSTMENT - PURCHASE 52.92
25 11 JUN FRAUD ADJUSTMENT - PURCHASE 76.00
26 11 JUN FRAUD ADJUSTMENT - PURCHASE 58.17
27 11 JUN FRAUD ADJUSTMENT - PURCHASE 8.94
28 11 JUN FRAUD ADJUSTMENT - PURCHASE 36.57
Finance Charges Pkatrrerrererrrridsfivin"fawia/f maven
Bdaaaret, PuWd
„ytid& rage =7161
PURCHASES 9.00 .05425% 19.80% Soo
CASH f.00 .05425% 19.80% f.00
ANNUAL PERCENTAGE RATE applied this period 0.00%
PLEASE RETURN PORTION BETAW WITH PAYMENT.
Capffalo a 0000000 0 4862362320573515 15 0390020000000011003
New Balance $390.02
Minimum Amount Due $11.00
Payment Due Date July 15, 2003
Total enclosed $ 71
AccountNamber. 4862-3623-2057-3515
Pfearcpiat-r,;rd'._Awrnraitelro pr kkm_VM -M"mk
Sod Apt /
City s_ ZIP
Horns Phaw Alternate Phous
0
EmdA"-
#9016645608401514# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 n 111 llIt w I I n 1 '? ?• 177 OAKHILL RD
Richmond, VA 23276 N CARLISLE PA 17013-8929
r6rcE or order made le to 'fah Our2im,.f and?vwilia tlx rnrlared ?? ``%K`;??-?/ ?-'"?
tummy payab Caf'
PkM'us,itsyaw aaou xt r...
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fIwaod- rom ate m opfptlr?madn
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if ?yoottnn del net pry to •K
yoai?rrq period In fr1, firer
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you pay to entire N W
your aaWnaa by the na
nor do r for to ptsNeta
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tc. h4olm mr Finrme
your account Is PAM a
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amount f- do 4&50 a
p
t hied m 1fe purdre he F
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ATetapas not Rdralirm b pht mpabQaras any a
2. AV=Oely 5dense AMf
a. Finance dales a cdot"
berme of ash -aware
anance ci a," ter N
for each aapmmrm at
balance for swim rp
and any lea
dy't for dr
payments or I
br earof
flow ae alarm
It youralroworr A wlid llow
tranram p
minimum grace period of
ep mrard raw puirdwos,?
now •fbw eal.ras', in
Nrko nor paymwse below,
s p?are?n dvrmcs
onm, drm r ro erau peried
a pry the mt 'New
aacllaa wfidt am not
msead lrrlw dares 1)
m unpaid balance r paid in s.1.
¦ ewe linanrxa dnana/a. wen If
sae statement dam, but did
with. lipM fir rrs tinges
er-. Nang["diet
finance dargq a., h Inrun
10.50 vA be ilKasd. N the
p fnonmm do don of your
ti we re w eat
NwsnOyrradrgtaM dfferara wA be
Mrence dirges for any given
ry New nipty the account O th0 dally
s
.peds.¢,al cash
transfer, urera, rnd d (&q.,
ow)
rnlonfe .W* chat h- been
A tin ad of ash day dmdno
?ddaiyy ??aWnnc of each
if as hilp perfect, we add tip
daasdo e to and" at yaw
each septen. We add up the
to ard" at the tot wM/e
=T=0* dray balsas
ks the bM?mg
M ctrl wanr/,r row tmneaalar
see talodated on the preview
sm. We am subtract any
w the stay dot ere slbrara
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aeoaa
te verb per
We
on a defy bear, thane may be .
tld. calculation and the amount of
aarwrd.
re m the from of this statement
tftplad Tom we muklOV tM u..
PwplePC Is solely responsible for hie offer and is not affiliated with Capital One. Capital on don not provide, endorse or
guarantee, and is not affiliated with, any product or service shown here Any tridemukt mentioned herein are solely wined by
the respective entity. Al rights reserved. By responding to this offer, you may be communicating Information about )ouseh to
the company tint provides his product - for emmple, that you are a Capital One customer.
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cammdmont mclund for PeoplePC Accelerated, Month-m-Mont pricing with no term coma itment is $14.95 for PeopkPc
Acceladad; $9.95 for PeoplO C Online without accehamtor technology. Offer available to new dial-up absorbers at bast 18
yeas of age and may not be redeemed will any CNW offer. Offer subied to change at any time. Phone technical support
awilable for $135 per minute
tWdh PeopiaPC Onba Accaerated, certain Web page ted and graphics will bad fanar when compared to standard dial-up
Internet aavica Actual results may way. Same not watYde in all arcs. Access ten, toxin and other less and restrictions
may so* Phone tachritel support available for $1.95 per mute, For question", cal tad-be at 1.81113-STRYNOW.
CM PooplePC inc. PsoplePC Odlne and the PeoplePC Logo are registered trademarks of PeoplaK. inc. Tmdemaks»
properties of their respecbve amts. NI Writs Reserved.
SawA not evadable in all areas. Access fete, taxes, and other less and restrictions may apply. Telephone too charges may
apply, even during trial perlods. You am responsible la deserting whether a call to one of our access numbers will resat In
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Agreanem and Acceptable Ole Policy. 56K is the maximum speed of soda; actual speed may vary.
0 2006 PeoplePC Inc. All Flights Reserved. Peopl*K Online and its logos are Iradernerite of PeoplePC in the
U.S. old ohwr counbis.
02(106 Capital One Services, Inc. Capital One Is a fodarMy registered service mad. AN rights saved.
etatemank -.1m -Bran" am AFprao rod
oub naet any unpaid /nnaros dares adWM the balm
M tad, aspn?are.) Title Shin w the day balms of sae
Then, M4 d?!r, A 11. day balanced let acrd Wtal
member of daw aomg p bbl his by the us to
aver dalhr bWrce of each s imam.
3. Amami Paeradge Rrr JAM
a. The tart 'AnxW Parnnlape Rar may appear as
arauemant
APR' on 110 fiat of tho
b. It d0 code P Wd--), L (3-mo. 119011, C (CeMleam of
Oapeah), or S (9rkeerd Fsh W appaan on the from of
this statement red m the psdode ran(al, theoadode
rasa and ANNUAL PFRCBrr "MATT&
MY wry 4mreanl' r0 my baser or decrease based
on the stilted Yana, " test in Ina Wall scredt
Journal, "to wrgln g tudV dleaasd to you
Them, c= vA b@4 w an to La dry of your
tlinareee o?wreeOrygYplw,pksly [Oct 6r Ong
c. It the coo 0 iPrrw), F i1-brie. U90fi1 a O l3-me.
the lon pmaleuelY 6ddosed b yaL These ataff9as
day of you hiWe pabd
W
each s. b meontin. on the 1.
4. Awwemaa of late, Dvw§" aed Rek--W Pgnnminm Fells.
Yaw account ova b. arweerl ro more thin ivq of the lees
Head hem that cow "Ism any blip period under the
tom. at you customer agrewmv, vin reserve thm
awn arty few === to
wales a not to
vriwdtghl to a elmlar
n ¦ eta the.
6. Yea Mao this If • membersto lime
spwdn an he idate tem this of ws acca low 30
to hays waa ed a you to
doe from the f a statement
avid payee d erh tee cm ouedtai to you
if you unmo o the ht we v account. a un law accou t vAd We w . Y'1 may
Nor
cominue m. be to rle yon account WtlOU unMmp to wY the
msmbu To ur aaaad , you fate[
notify u by fie by calling our Customer Rdatlenns 0panmam
a=1 New Balance in e1 lardudre the
mto) pda m de and at the shiny-day, period.
& N You Came yaw Aawnam. You can rewere to dose
Zmcnum by cd*V w customer Relatlar
wm. sou rem dewy your credit mrd(.) and
acm .caw dreite, clad .1 pmau hoof-d hare,
red caw rdnpyour arrant. It you de apt cancel
n
mcolpt pmeulaf of a • tt0es ere a your r authorization , ova to moper, your
account it net e ye
account. pay an rno is you aaccount ns to eWit rmap o l rlu be closed
tnW You p pay al have rSana: any
ova
vame you law authorized, returned payment trot, fees, cash
der ter, , o e tor, , roti
advaras low and d any ew fees Ymoaw aftessed to
am your
account. You tiro rosporellto for
they
accoun account at t theta a your u .r
tMy appear co yaw wea the time you re raguret wa 1 to
Bose the action or they tiro Nawrod embaeptwp to
Your wp0a to blow the auzarm. 71ia wY mad[ b
d0rgas ap?etrp tiny" accaam lifer vacs hew
Its ,L,arl n, nu ,an,wim nt
it You wed wpla t. ft. a n.,.K a •
most" the transaction farm der mordent after your
account h. bean dosed, your aamms.t wo be mtow.d,
the amass .f tlr darpa vra be addW m your arras.[,
ad yyoouu w"i" loo ro?neel. for payrran. IF there r .
nmara«.hip 110 ew your aches, der fee vA comiam
m bs daraad m t» cart[ pamktea by rw, u+u do
amass biaee I as been paid In /A as deiced above.
7. iesr} U?-s1? Yes Aaatlm.Yw card a amwn earshot be
uedi with any Internet gambling
tr
E. Nall" Ake[ F3eaearie Cwk drwund- When you
provide • dads tl p.pnrrc, yw -dale w either m
us imlarrdwm frenrm your check to make a on-timefew trwrfrom you bank account or to
Ue use ?Intearraliepayment as a When
n ffro your daek to alearoric
kid transfer, ands may be wfrhdrewn from Vote bet
account r err as the sane day tee reed" Your
wyrtrmdee ? rct room" Your deck back 110111
BILLING WONTS SUMMARY
On Can Of Frmw Of Orwdo a Able Your ill)
If you think your till r wrap, or I you rwd more
irlamaean on a transaction a der, vAhe to w on a
apamm shed as soon as po..6r at the mw- lot
I des sixwr on the tram at this statement. We mist
hear from yea n law tan s.0 dp afw ova am you the
Ira 6th on viidr these after a prdiwp a)paaFort. You can
call w Cuttaosr Reladora member, but ddng as v11 not
ppr1- your type in your Owner, g1w w the tdlewine
in kin wilm your rams and account number, to ddlar
amount of the sapeoed arer, • daatalptlm of the error
ad m nplr0len, N pewihie, beastlan, a W WWryry you bdiew them b
an error: W. yea mad mat N description of
the hem you am tllrr abr. You de not how 10 wr limy
amats.t in prsam V"a we an Ime h, bu You
am ail o61gs1ed w pay the Pena of WW Ora era nor
in question. WNa we 'term OSl? tar Wrtlon, vm cannot
=y? $q ==`m a u my actlan to cosec[ the
S,t special fate For Cmdt Cam Purchases
If you N" a pnebkm whin the lpwl y of property or
wnvktl that you whin • .& cad and You
fora triad in falti+ m carnet[ she problem Minh the
merchant. you may how M riyd not to wy sou mmaininng
anon das an the putty or savior. You haw sea
pmlaeeen Wily wMn err puNSr pas was team than
.50.00 ad lfms irrtlar win mwde in Your hone stem or
YMhin t00 miles of your ma- addaar. 01 vale own a
operate the merchant, a it we malted you the
advertisement for the pr?anty or serAcm, as padsaes
am "-=1=4 (anannt a loralm of pudsse.)
Plea. all oonepo lone.
t Does aoi eppy to mn•uaar rte mda sand accounts
i Dow nor apply to bushass non-credit card accounts
Capital Ono suppplocsrtsinformation privacy protection: seer our
Is a registered San, - Ice mark of Capital
[mill 41 GapaNmy All nyps nssrw6 a 2003
C.WA one O1LOLBAK
er w ?
ttogadw
balances m
fdYsitytloopssWrchIn to arge, mm ?iit
period Dow fund
aayp "done botva
lnnano err
b. ntM code aN9
rmext m'adanaa far
129513
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 Nast 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
Your Credit Future Is In Your Hands wat'Sfnyour wa,
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.
99D•,101 J
Capital GW PLATINUM VISA ACCOUNT MAY 16 - JUN 15, 2003
4862-3623-2057-3515 Page 2 of 2
Account Summary 29 11 JUN FRAUD ADJUSTMENT - PURCHASE 14.75
30 11 JUN FRAUD ADJUSTMENT - PURCHASE 59.89
Previous Balance SM 31 11 JUN FRAUD ADJUSTMENT - PURCHASE 9.34
Payments, Credits and Adjustments $37627 32 11 JUN FRAUD ADJUSTMENT - PURCHASE 27.55
Transactions
Finance Charges $766.29
WD 33 11 JUN FRAUD ADJUSTMENT - PURCHASE 31.98
34 15 JUN PAYMENT PROTECTION 1-888-527-6904 3.44
New MBalance inimum Amount Due
Minimum A x.00 $11.00
Thank you for enrolling • to Capital One's Payment Protection Plan. Your premium will be conveniently billed
Payment Due Date July 15, 2003 to your Capital One credit card based on your month-ending account balance. If you have any questions,
please call the customer service number listed above in the transactions section of your statement
Total Credit Line
Total Available Credit $500
$109.98
As a valued Capital One customer we want you to know that your account number has changed. After
you
Credit Line for Cash $500 activate your new card, you will need to give your new account comber to those merchants with whom you
Available Credit for Cash $109.99 have set up automatic bulling. This will ensure that the payments you have arranged will continue to be billed
directly to your Capital One card, saving you time and money on postage. Once again, thank you for choosing
Capital One.
Atyourservice
To can Camro Rdatim or to report a lout or utolm card:
1-800-955-7070
Fer free online aerount senior and special autemer often, log on t6:
w?vcapitaleae.eom
Smdpgmm,.te: Smdiwluirinte:
Atta Routwbat Processing
Capml One Seven C"W Oae Senian
P.O. Box 85147 P.O. Bo: 05015
Richmond, VA 23276 Rkhmoo4 VA 23285-5015
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PLEASE RETURN PORTION BELOW WITH PAYMENT.
Capiftlow 0000000 0 4862362320573515 15 0390020000000011003
New Balance $390.02
Minimum Amount Due $117
Payment Due Date July 15, 2003
Total enclosed $
Account Number.. 4862-3623-20.57-3515
N-trn.e-r zsl6rum d/:c, aileA?eYrrhlae7wnyi! rurH.4 &
Street Apt I
Coy s_ ZIP
Home Phone Alwam Pbose
Capital One Bank
P.O. Box 85147
Richmond, VA 23276
#9016645608401514# MAIL ID NUMBER
MANDI MILLER
177 OARHILL RD
CARLISLE PA 17013-8929
Plrare v r teyorv a nt armrrberm ymc rdat;E w monry order madepayab4to Cap hd OwBxd and mad m thteulawedexw&l e
Capital CW
what's in your wallet?"'
The says to maintain your good credit are prwWed by Capital One, in conjunction vAth Consumer Action (w .concumeractian.ord.
O =0011 Capkal One Se"IcM Inc Capital One is a federally registered service mark All rights reserved
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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 bast 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 Wnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment.
Ca ;W'M
• Employers check credit references before hiring new people.
• Banks and leasing companies often base the interest rate they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
002
002.1001
Capita/CW
Account S
Previous Balance 1390.02
Payments, Credits and Adjustments 1.00
Transactions $178.79
Finance Charges $7.46
New Balance $576.27
Minimum Amount Due $76.27
Payment Due Date August 15, 2003
Total Credit Line $500
Total Available Credit 00
Credit Line for Cash $500
Available Credit for Cash $.00
Atyourservice
To aB Customer Relations a to report a lost w stolen card:
1-800-955-7070
F. free online aeoeum -,via and sperial a?utoroer odyen, log oo to:
w ..apiuloxcom
Send paymrnb to: Send kA-ies to:
Auer: Remittance Premsing
CaPhd One Semen Capitd One Semen
P.O. Box 85147 P.O. Boa 85015
Richmond, VA 21276 Richmond, VA 23285-5015
Imoorrant Account Information
Did you know that you can pay offyour other card balances by
using our balance transfer program? You an use our balance
transfer program to transfer credit cards, department atone and
gas cards, student loans, personal loans or even I= loam up
to your available credit limit Just all the number on the back
ofyour card.
PLATINUM VISA ACCOUNT JUN 16 - JUL 15, 2003
4862-3623-2057-3515 Pagel 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 paymea; please accept our thanks.
Transactions
1 Ol JUL CARLISLE STEAKHOUSE CARLISLE PA $4.39
2 01 JUL KMART 00077461 CARLISLE PA 16.90
3 01 JUL FASHION BUG #3587 CARLISLE PA 7.48
4 02 JUL CARLISLE STEAKHOUSE CARLISLE PA 2.11
5 02 JUL PIZZA HUT 1006 CARLISLE PA 26.87
6 03 JUL 0263 SHEETZ 00002634 CARLISLE PA 14.29
7 03 JUL HOLIDAY HAIR INC # 315 CARLISLE PA 44.00
8 04 JUL OVERLIMIT FEE 29.00
9 15 JUL PAST DUE FEE 29.00
10 15 JUL PAYMENT PROTECTION 1-889-527-6904 4.76
You were assessed a past due fee of $29.00 on 07115/2003 because your minimum payment was not
rec eived by the due date of 07/1512003. 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
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PURCHASES $458.08 .0542541 19.8091 $7.46
CASH S.00 .05475% 19.8094 $.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
CapiftlOne• 0000000 0 4862362320573515 15 0576270000000076271
New Balance $576.27
Minimum Amount Due $7627
Payment Due Date August 15, 2003
Total enclosed $
Account Number. 4862-3623-2057-3515
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#9019745608401519# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 'n 177 OAKHILL RD
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2535S
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.
capitaa-
• Employers check credit references before hiring new people.
Banks and leasing companies often base the interest rate they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.
Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
ow
002.1001
CapitaloW*
Account
Previous Balance $576.27
Payments, Credits and Adjustments $106.00
Transactions $33.44
Fuuance charges $9.97
New Balance $513.68
Minimum Amount Due $15.00
Payment Due Date September 15, 2003
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To all Cud ma Relation or to report • Smt or a den w&
1-800-955-7070
For free online aeoaan aerviee and special automa aff^ log an to,
smd payment. to sem iaquirin W.
Alta: Ranimnae Proeening
Capital One Services Capital one service
P.O. Boa 85147 P.O. Box 85015
Rkhmond, VA 23276 Richmond, VA 212854015
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
JUL 16 - AUG 15, 2003
Page 1 of 1
Payments, Credits and Adjustments
1 11 AUG PAYMENT RECEIVED - THANK YOU $106.00-
Transactions
2 16 JUL OVERLIMIT FEE $29.00
3 15 AUG PAYMENT PROTECTION 1-888-527-6904 4.44
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 solution- including auto loans,
personal loans, CD; money market accounts and more- to
one out of every three homes in the U.S.
F-mance Charges Pkarerarerrnxridal6rim,*Wantiiµrxtfto?rryrtn?.l iionn
f. Bdnrarrde Peeiasr g I.IlAICIr!!. ,
apjlwdb retr PR
io PURCHASES $S93.10 .05425% 19.80% $9.97
CASH $.00 .05425% 19.80% $.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
capualow 0000000 0 4862362320573515 15 0513680106000015005
New Balance $513.68
Minimum Amount Due $15.00
Payment Due Date September 15, 2003
Total enclosed $
Account Number. 4862-3623-2057-3515
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#9022845608401512# MAIL ID NUMBER
Capital One Bank ° MANDI MILLER
PO. Box 85147 177 OAKHILL RD
unuusttuu ri
Richmond, VA 23276 CARLISLE PA 17013-8929
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yar mipaid bdnc?e IM tM rpYd balenos N paW in M.
TNs merr dirt you may tl aw lirrre drrpse, ewes if
you pay dr.mite Now 8dsrw Mnod m dr time of
yotr aurrnret W ter naa rararttertt daalrq dsm, hu ,b
rot do o for tM sppreviotrMmad? lM?psid Mrees drrges
to ?m FirwOqOtaryaw a reside tlNr%=.
gNF N"M OPME of or db?iymou
Meta-d- rWdtta fr6O, vie wM °. r.et lief`
amour from drllss Nki0aa60tlnsshaiiir0aan rd the dfbraem will be
aapar baled m theM es?lwt of aooehatt. We the
td. V::-,o
JM Nn it or a r finance dhsryo for any an
edit m not smsss any « hut ewes
2. A bi= pdodBdones flaskiding New Pmdraul.
a. Fh-- ehar(p N calculated mdtlplWq Yr dogy
balrtca of salt ssgtlak of your aortas e.p.? rsslh
advrrs, pWws, eNdal varrlor, ad epedd purdm)
by ter oanyahdrq dry At dr and NAdlc a dof of n seet Ines loam
m you. t do
tlee bi wed, apply tlr Psdafe rem for
r Wm of sadt
npron of ymr at do Ord
1MiaaVa Than rdwdhssrrdpesgybrciblo6dar m x to
fister. the
from eedh fepnrs m ardardes foul padc
Ikrnro daps f« Your acccun. To gut dr daW balsroa
for asdh aeprrn of yotr aowar, curs mks fro ba?q
Dalarrcs fs«eosdNessyrrh[ rd edd cry row naradiorr
dayWbersAo fer r esleods?md=::vV
mNd?rt roiapna?TNe?desed u t ?rop«iu dry balms
aooostt. llowowr, If you ter
for Stich ssQrwtt of your
New Bafr? alwwn MY" pmiar atatemern In («
If Your new balms wro zem or • credit amoun), runs,
trrrrwlar vdidt pea m yob padres «spacial
ackw 0.
to
y amp rbdaema. Wo
are not
6alarss =-T ad dddrp tM fan by the n-ber of
ealnLte yar turd
the drys h dr artatt bing.c/ds. TO
fine-.h..: yrr awraro daay bens by the
Ned. cue m toltieap an a daffy lope, mere rosy ro a
?? dartcs ? ?cal? etlon ad tM amount of
b. I1 thr cods « N apNam en the traM of
mtaupddF eutanent
_
rhea m'aWeice Rau l'!pPiad ro; we y the
61307
sutenma nand 10 'Balance Ham To,- "am
atanract any trpald frtr" Wr 1, In the balance
of mi ag11a a TNS duff N dr dry belance of each
ssphhem. Tan, we add up r /M drv bNrrss for each
sepnmt for 1M Merv and d by Uhs fatal
mahhh« of dap In the bN=ad ., Tiff ciao u tlhe
verap dry frlrws of ftw -
3. Arwrl ?.rerieye Ibher IAPRI.
a. 111s ssnn 'Merl Pan~ Ham' may appear as
elm sutwmt Mr r f:=F=7 coo
cuss ad canwahArq MTP3
may wry qu.rody ad may haaaea se decrease based
m the emted iufoes, as food In 7M W, Strati
io.-C pea the em M alfeedrdn orsNadydodsdord m you.
Tlrr dwpm Wi vs 1h fr Ny of your
bAlirq plod oowmd M Vac Nda1e Ranmrn ardn0
h ter mendea Jraury, hM. ,k/y and Oelober.
c 11 On code D O'dme), F (lpytlNO.aLnIBOIq «O (3yrho.
t nna to»pdodc rarW hs oihloaile nla
and awaafpar?q ANNUAL PB1CFNttAfiE TBf may.
IM -
wfY M aNaniw en the flat day yotr Mena peed
each pmMaYy dlWepO m I Iheae anrngae
4. Agewrte t of Lacy Owtfrrt surd fWarrd Paymett Fees.
Your ecoelat We be assessed no man rho two o des teas
listed here mN occur doing any bWM parlad•lJrhdsf the
temp of YorClrtarna agrennrn, we maw do r to
wei- M reef m aaaoes any fees vatlru yyd« neds= m
you WthoW rudvbhp our dgM to aaaar Uhe a.- or similar
iws at • bla Ikna.
6.tttaraeb0 Your Aoeoraht If a mentbeNip M
oppean en 1M frets W 1Na aaeman, you Nw 30
drys Iran the Nm Uie tlatarnent was maid to you to
ovald esca dr sa «to Mw wen foe dodtyo m you
if you cancel your aoearet. Wtkp mN Ndd, you may
=4=.T -14 Wdmd IvMrq to pay rho
tifcaned you snare, you mere
notify edty us u by by
calling wr Certamer Hdat{au OaPan^ea^I
ad p? ay you New r=d ettdrrtdrq tM
matraraap Na) pdeel of dr 1MnydeY pa If o c L
rat to dsse
6. H You Con You Aeesrrs. Yw can teejoss:
yyoo accotrtt by ulfkq wr Grlaner H
Depwannwrl. Yw meat dtrtroy your cradf card(s) and
account access dreks, caned r praeWwdzod being,
and cease Wrq you accotan. If you do cwt caned
peardwd: hMYhp anrtpamamy we Wi ooedMr
raWpt of • charge your atdwdzafm m
ooataa. AddtlarWly, yar secant wM non hs dossed
udg yes Ny r amoum you estivddw, Nu hdudn¢ arty
tdu dealtany des f fop, fpMned Mencs dupe. Nn
Ynlan Imp, cash
advance pp ad sor *am sento yam
eeeolan. You am roaparW for dap antouro Wrtlrr
they r on Vass aced m at tM rims you raglrat to
your ngrwdss amc « awes aaccoun rTi?i.N ey nsult? min
Wroes aomsdrw on -account ait« wu have
ft nesaarst wof do clser" Abe adsra 1 o ==ue,
merpaenlp M tour Maur rooae dr ise t+i continue
m W cirrosA, m dr samwrc Nm I by law, uts Ao
accaatt balnra lour berh PYd it" M defied ab--
7...7h?, You Aeasad.You tard « """t cannot be
wSN twttrrdlen Wlh rhy usenet garrdfrp
e. NWNa Abets Fiaeasti Clwk Oaarers6n When you
u ?k ham =d11 :=-ka = m
« m
d.woNe and Ina heat your bank account
pronss Ute M a rhY. eh cs tlreaeedah. VArrh We
ear klrelr1YO011 110111 yaa' m Illaka ? aleClfenb
fad tnnalm fnds may be wmdnwn tram your bank
aeemstt p Son r the Santa dry ws nweiw ynur
paynrednra y ?? area your drek back fnm
BILLING MGHTS SUMMARY
(h Gee Of Errors Or Qusedar About You NO
It you thbt you bN b crap, or If you need mac
s
k icessean m a trsrracdan ce hip. ache to u on
aapaam dies d faro u peasW a ter addree tar
kheuides dnwre m the Trott of die etatarhherd. We must
her ham yes ro lour then 80 ddaayyse sir ws ere you the
fral hM en Wish iM surer w pMblam aPOSarSd. You can
call our Cusfornar rleladone n isiber, bra doing so wM net
se h yea Mmr, des u ri idbWnp
rums and aceasd mnnhss, tM cider
==12.
Amman d tM ertapeeed sew, a daacripdrn of ter error
and m rutWnde t. k poeeWet you hakew Mrra I.
an sror a H you rod =t=t. R • deaenptlat of
the krht yes an uruw rw??e4dhgfaw to pay anal
ors sIM to PaY aekkNeeN Of actlan fro turd
pieadh N .WnIn. as dwtlank•ws rrenot
w 1 arty to erne the
y ?
F&I amnount i,t Special We For Credit Card Furcham
If you haw a problem Wm tlr qua4y c property a
aertlsss 1Mt yes vddh • wade card ad yes
hew teed h Wei to career the proem" Wth the
merdhan, yes may Ira 7M edit roe , py tM ronaNng
erhhotstt due m tea a oMwS. lpaw Nw NO
praeeerh wiy fetch 7M P=M pfn was man 1Mn
860.00 and the pltrdeass wIN made in you Irnte abte w
W Wn 100 miMe M Yam MaMng atNrm 01 we own or
aperan dine matlrta, w it YW tltWed yea ft
adterWanatt for tM property nt r ptrduaea
of pudhne.)
an oo?nod ngatdoe of atnant or
fMeao temambef m siae r ccr . ; , - hca.
t Does roc apply m ewwrmr aomeradb card accounts
S Dona not apply so business --A card --ts
one stcoons irrarnetin pdwcy pmta;t m4 see our
aenice fn rk of Gpttal
i 2003
reserved Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this
statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 P.m. Payments
addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our
Washington processing center must be received on a business day by 3:00 p.m. PT. Please slow at 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.
-"71W
• Employers check credit references before hiring new people.
• Banks and leasing companies often base the interest rate they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
002-1001
CapitaloW
Account S
Previous Balance &513.68
Payments, Credits and Adjustments &.00
Transactions &62.83
Finance Charges &8.73
New Balance &58524
Minimum Amount Due &85.24
Payment Due Date October 15, 2003
AUG 16 - SEP 15, 2003
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
15 SEP OVERLIMIT FEE
1S SEP PAST DUE FEE
15 SEP PAYMENT PROTECTION 1-888-527-6904
Total Credit Line &500
Total Available Credit &.00 Families EARNING INCOMES UP TO &36,000 per year or more may be eligible for low-cost or free
Credit Line for Cash &500 health care coverage FOR THEIR UNINSURED CHILDREN. If you or someone you know has a
Available Credit for Cash 1.00 child without health insurance, call toll free 1-877-KIDS-NOW for information about the low-cost
or free health care coverage programs in your state.
At your service
To call Customer Rtls iam or to report ¦ lint or atdm card
1-800-955-7070
For free online a"md urnot and apedd outomer effus.log on to
caw Pihlone.cem
Sind P.Y-,. tar Send in¢,irin to:
Ants Rcaaun Promaing
Capital One Serra Capiul one senim
P.O. Bra 85147 P.O. Ras 85019
Richmond, VA 23276 Richmond, VA 23285-S015
lntlorrant Account Information
Did You Know? Capital One offer more than just credit cad
products. With more than 45 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.
Save money on interest, every day! Transfer your higher-interest-rate credit card and loan
balances to your Capital One card. You can aver more money, spead lem time paying all those
separate bills and enjoy seeing one payment actually make a diffaettce on the bal. you
transfer. You can transfer almost .ttryry of credit card or loan balance - as tong as it has an
account number. So call our Traosfer?pwalista anytime, toll free, at 1-800-955-7070 to start saving!
You were -mewed a past due fee of $29.00 on 09115/2003 because your minimum payment was not
received by the due date of 09/15/2003. To avoid this feein the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
002
&29.00
29.00
4.83
Finance Charges Plearera reverw.F*l6r important infornw wn
Bdmterrate Pniwk rasa ?
Cie
Or-JAI rte
P?f R -
PURCHASES 4513.81 .05425% 19.80% f873
CASH S.00 .OS425% 19.80% 8.00
ANNUAL PERCENTAGE RATE applied this period
T PLEASE RETURN PORTION BELOW WITH PAYMENT.
Capiftdo w 0000000 0 4862362320573515 15 0585240106000085248
New Balance &585.24
Minimum Amount Due &8524
Payment Due Date October 1S, 2003
Total enclosed $ 71
Account Number: 4862-3623-20S7-3515
Plcarcpr-f-'r j dd--' Vs r+radd-Jrrhiam.fNrwit.nt la.E
19.80%
Sa Apt IF
ci? se„e 22P
Hamer Ph- Alreema Pb..
41
parolAddwe
#9025945608401517# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 l ?? N 177 OARHILL RD
roar tutu as
Richmond, VA 23276 CARLISLE PA 17013-8929
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O 2003 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. 041-03D3
CapitalQnea
Account S
Previous Balance 5585.24
Paymetats Credits and Adjustments 1.00
Transactions $63.47
Finance Charges $10.09
New Balance $658.79
Minimum Amount Due $158.79
Payment Due Date November 15, 2003
Total Credit 11 5500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your servicc
To au Cmtemer Rdatiom or to report • loot or stolen card:
1-800-955-7070
Fa free aline aavmn sereia and speeid outemer effen, log on to:
v .oapitaloncoom
Smd payment. to: Send inq trial ta.
Aft: Rcnittuwe Prooming
Capital One Savies Capital One Senia•
P.O. Box 85147 P.O. Boa 55015
Ri6mond,VA21276 Ri6mond VA27285-5015
Imnortant Account Information
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PLATINUM VISA ACCOUNT SEP 16 - OCT 15, 2003
4862-3623-2057-3515 Page 1 of 1
Payments, Credits and Adjustments
Transactions
16 SEP OVERLIMIT FEE $29.00
15 OCT PAST DUE FEE 29* 00
15 OCT PAYMENT PROTECTION 1-888-527-6904 5.47
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 resew your copy. All
orders will be processed between January 15 and February 29, 2004.
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 $29.00 on 10/1512003 because your minimum payment was not
received by the due date of 10/15/2003. To avid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges Pkxessrrewreride/brimportaat information
Bdanrc over P";.& C-V511 cat
yy!,rdre rdr PR l:Y1AK
PURCHASES $619.09 .05425% 19.80% $10.08
CASH $.00 .05425% 19.80% $.00
ANNUAL PERCENTAGE RATE applied this period 19.8091
PLEASE RETURN PORTION BELOW WITH PAYMENT.
C votalow, 0000000 0 4862362320573515 15 0658790106000158790
New Balance $658.79
Minimum Amount Due $158.79
Payment Due Date November 15, 2003
Total enclosed $ 71
Account Number. 4862-3623-2057-3575
Pkreprior a.X rdu,m anLwro.aile6mgrrk-minaK-erK"iwL
Strut Apr. I
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#9028945608401514# MAIL ID NUMBER
Capital One Bank MANDI MILLER
PO. Box 85147 I I I I I Ioil IIIII IIs I I 177 OAKHILL RD
R . ichmond, VA 23276 r CARLISLE PA 17013-8929
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b. Aesheha Finarnoa t7waa. T
athJert m + P"ce padod r
fan tba dr0 e(eba "sass
traracthn h=-ad to
stet celerfder day ofd. as
a ad rot pay ra'N0a
your up?iWl=rs=
Tiia name that you
mry ¦
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do ? r Mots a
te. Maiarf Five Grp-.
yaw atswn r rBMaEm
toW FifIAMCE CHAhO omW hwnce carrppea rsaJt
pedode tre(q h for rho
pwatt hen M 60.80 m
bnod m des pudra ae
td. Tanrprry Noa. lot F1
dpht mparolt ossoo any or
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and cerraaoandra ANMIAL {'FACENfAOE AATBS m¦v
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VA ba affeetlw a. d¦y of your =I peeled
4. Asswnsd of late, Ovriak WW RWattd fhymrd Feu.
You aecotdo wet be queued no mesa ran two of rte ma
Noted bam the oemr Opeg any M" p0dod. tNda the
tomr¦ Of yaw Cn"mar ¦Prmrom( hw rs¦srw tba dent 10
wrw -r not to +apr arty fps VNlhao donor notle0atlan 10
ou vans"[ wahkg -1
dnt to aasep tM dome or Wdlar
n ¦ later time.
6. Yaw Aeerat. M • menn6arrdp M
do,. Nomdothe the front id ads 1N0 ratem0 am two wa m you mated w t m 30
deri dots You to
.vTo
mombarnp M) donor m 0. end o1 dr 1Nnyasy period.
6. R You CI.. Your A-urC You Can nagnaat to dap
yyoauwr ¦txa¦n by eaMip our Customer Aslardwo
Oap¦rOrnan. You nut dulroy yo" crest 4m1s1 rd
sew's'[ scot" drelu, resod M pnauhalxd bWNp,
¦nd .eau wkb:=, you do rot pnamwhW wa wW CoMder
RE of • darae yaw atrrrda0en m raoparn yCttr
•rsa¦n. Addtl . Your aecaas win not ba dped
tons Yet =V81 prune you owe M iWmft arty
toonamok yes Mw atsladzod, Snones chuff", pest
do ma, overirt fe*A= rrrrd p¦yrrom lea, cash
adwnee feu and •ny feu aaasaad 1a yaw
account You an ugnrri6ls . rasa amo"p vdatbar
ray appar do you acntan at V. tine yyoauu ragtwt m
dos the ¦eeaxd or they en kaurod affb0agwn m
yap regal to dodo the ¦on"s. Thh may rawh N
charp0? ¦drg do your accent after you baw
your aeeourc If It ha akoo* bean dosed. For efumpi.,
If you aMalead ¦ puolrp from • nwdrm rd we
rauiw dr traaaalen hem rote nhadwtt a0r yaw
;.-oust Ih•0 bear Mopd, Y+m ¦oea¦d bast ba rpprrd,
ra ataaad of tM w? ba addW m yaw acceun,
rd pu wr be for psyow If tMn is a
owroentap fee it Your aafaun, tM - V.: corsinre
to be darasd, m ee moan[ pemdaW by la until the
"coo"t' bs7rra has boon Pad in M as dokad Wow.
7. IlaYra Ya" A- tY- nod a aceoun nano[ be
cad N cen+rahn Wh any kao.at Pandang
8. " Moak.
oak. so About FJarlaria prat Lbrrvanlan. Whp you
aralydxs w attar to
pmNds a duckfrom yaw r p¦ymal ook I youtmake • orrtiro
us hfomtadon
eleetmrdc Md twaafer ham your bank ataarnt or m
Pr - tlr dos p ===
w NfamatNn ft.; iced vanrar, Mae rosy be wMrdrOww from your bank
¦onnas p son u Lae sans Ny wa reealw yav
P+Y+rm. and you wa rot rodw Your dank beck horn
you Msndr inoauslorh.
81WN0 RK3HTS SUMMARY
(N Cap Of Eners Or Ousatiane About Y" 810
If
Infapstlan do s you this your bN N wfrg, r It you road more
uarraerdo a bR, wdm to u do+
a•p¦nu slam p son p podble at the ¦ wtea for
irtgriria d- do the front of tads suunam. W. rmrt
(tear flan you ro Mtar ern a0 6ya afar wo ¦em you dote
Aran bN do wlddh dots error > prahlam appprod. Val wen
cal sun AMerrnar Rol¦darr r¦¦Wsr, huf doira p nr1 rot
aura rat o! 1 w std etlm, a 1 aaer4 ' of th0 error
and an mgradat, H poealOh, 9=V0=Pr. n h
do door; r 11 ysu nod Nn
1M hen you an urnrrs -bad. Yw do rw law m ply any
auroras N gaordo whs. wa aro N`wtlpaMa h, loot you
+W m p¦y tla Pam of yaw tlR art an rot
In gandan wa Y?w
lepoi you YpaN yaa ausaUm ne assn[
n or mks am seam m enact tM
Man You Masson.
S,t Spend Rule For CroM Card Pumhasso
If you haw a problem with ra gWity o1 prapa2A.
art Ydu vrWh a prod[ card law tried N teNh m carted cote problem with the
mamluM, you may
the ar phe?w rrtote dgld cal m pay tan remaidrq
ssrvha. You hew tads
amain dodo y or
proteerlon adY? what dw purdrao? docks was non Uun
-60.00 and 1M purtlrp vss made N Y+" bane .tam r
vdthN 100 rotes o1 your maig addrpa. 1.11%e own or
ePr+m fba ftardhrnt, or if w meNed You tba
adwrda be fr ri pprreeppssnnyy ar plriCa, all purdapa
ReeuwtraW?ar to?sfpnaae?dcarapa of purdup.l
t Dodo not 4RAfy to certa"rur ana-craff pad accounts
i Dap rot apply to ernbeae noo C adX cant Ktamto
CWtr Qa a4Pate MamaYan WIVM' prolock : as as
• a www, cem.
CedW Ono h a v r0dht0fad aaMce mark of GrtN
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midmun gr- pedod of
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of p0dod pr CaW nurses
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a+seasad /Mare etonas i) 3. Meal MrorsaPO Rraaa IAPR1.
fen or 2) fmm tlr'd-b tba a. The todo 'Aroual Parcemaaa Rata' may appur a
our Account or ) fofm the APR' an dw had of 1N9 statemem.
ant bMtp AdadaasY,
1 It. If 1M code P (PdreN, L (:iino. UBOR), C ICeNecate of
SNarnce 0
prwNtr Deposit), of S (S.Itlread P= appesm on the from of
yWPs carniara to aobnre to this sundown notd to to pedoac "taut. the e
rahpsld baurtce h paid N M. rate and ==A
faarAL PEACBJFAO RA
k
b
1 owe 1Nanoo Chat ,even if
ro indremd an ra ienn of may wry m•y
are•aa ar daare+ae
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on fM-fared idle", •. loud in
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warrnt d++ig nom, b" rid ./errrat t+h+ its rn•rgln prodady aadaad m yvu
eah lMprd arneme dap" Thep dwrpea Wf ho ofhedw on Ar /rat My o1 yaw
+lF++rn of yaw A¢aaN. Eaa!na period aworal by yaw padodc natarrwn snag
iced we the e dfrerahC i cram UAt
O wa be
yaw aceoutt.
xrPa. We rmrve the
ace rthsrpp for array dvon
W+Amdy dadosed m Vou. At tba oM of each day
data
dr hlWg oaAal, w apply des dhiy Parbde rte for oadh
++O++K er
Then at dio wm tar d¦a?ytOWaaa of aadh
the root. o iba and of M potlatt we add tip
the raar/u of Urp a s11 a h N m ardw dor at
L"" L Prwn N*V& at ra mhllA 6dthe
rr1m ?an oedh a"I
Rrnartce dwrp Tor yaw acceud. To Pet 1h" balrae
bar pct
d or .ch W Y+rfr ad and SM rweW tWS the
ad achy dwp ulodama dean -4-
M(a ter tlhr ssQ,nm. We Then Wtraa arty
peymsro a adu poamd p of ant dayaz' aro X..
m tart ++Vrr+rk TMr dv00 to the a". dopy balance
%:.h 0gnwe of yap arearn. Hawes, If you tlno
Boras .lard[ on yaw pnvlaa aeterront N (or
if you raw balmoe wp x019 or • toed[ ararn0, row
trarr¦etlar wHdf prat fe vote Drrdnaee or ap0olr
dolly w
rg bWraMnwY e
0 M W +dd
Ns doya N?dhs?C"rrd hirnp ryds. To?Wadw vow mW
arnaras dwp0, year avaraps defy breras W des
dray peMBo ram ad dr nmhr of d0p N y* bill *
Palod. D. m macaw on a dMy bar0, dwa may ba e
Wkft variance boavmon this carps o' Idatlort sad the moan or
b. If the Cods Z a N yga0p np aaend
? w imm of No raNmad
=__"==P_ q /' To,'we mtitlplythe
8716S
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.
CapitalOne
• Employers check credit references before hiring new people.
• Banks and leasing companies often base the interest rate they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
® 2003 Capital Ono Services, Inc. Capital Ono Is a ledsrally registered service mark. AN rights reserved.
002
002.0803
CapiftICW
Account S
Previous Balance $658.79
Payments, Credits and Adjustments $8525
Transactions $3436
Finance Charges $1022
New Balance $618.12
Minimum Amount Due $118.12
Payment Due Date December 15, 2003
Total Credit Line M
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To all Cmtomer R& ions or to report.lost w stolen w&-
1-800-955-7070
por free online aeaaunt eWiee and epedal outomer offal, log on to:
w .cepiukne.eom
send payment. to: Beadingairinto:
Attn: Remittance Procnsing
Capmd One S tIicn Capinl One Seniae
P.O. Box 85147 P.O. Box 85015
Richmond, VA 23276 Ridimond, VA 23265-5015
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
OCT 16 - NOV 15, 2003
Page 1 of 1
Payments, Credits and Adjustments
1 16 OCT PAYMENT RECEIVED - THANK YOU $85.25-
Transactions
2 16 OCT OVERLIMIT FEE $29.00
3 15 NOV PAYMENT PROTECTION 1-888-S27-6904 5.36
As a valued Capital One customer, you are eligible to receive a free Year-End Summary tbat recaps
your 2003 charges. Please call 1-877-412-3311 before December 12, 2003, to reserve your copy. All
orders will be processed between January 15 and February 29, 2004.
Finance Charges Pkwe ra reverie A&* in pormat information
Bd .an Beach
a 'e &d* role APR CHARGE
PURCHASES $607.46 .054254 19AA $1012
CASH S.00 .05425% 19.8096 $.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
C-SPIM10 • 0000000 0 4862362320573515 15 0618120085250118124
New Balance $618.12
Minimum Amount Due $118.12
Payment Due Date December 15, 2003
Total enclosed $
Account Number. 4962-3623-2057-3515
Pkmrprmt_rv err. -,b' ,-e..c1e6.q.Ark.-.rM,.ru"_.E
Saeee
C y Suu ZIP
Home Phone Altemte Phone
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FmulAdd-
#9032045608401517# MAIL ID NUMBER
Capital One Bank ° MANDI MILLER
P.O. Box 85147 ltlnlnllu?ullr?rt? 177 oA10iILL RD
Richmond, VA 23276 in CARLISLE PA 17013-8929
ri
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DOOM tramama, mw spedm Ptrdmr rd row odmr
dmpaa If you qy v total 'New Oda me', in AnnucSorm to
a asdu. (It t
accordance wYb tlr hporterc Notice for ps"Wft bobw, etemmem neon
ad In One for it m be eledhW by you rrtd eranme A ehLtn« mry u
coda dre. TMro Y ro Vaoa qdW m eaM. adv.rma of each eeq?ro
ad pedal tnanrema h sdddaa hhen b ro ya- Pa. esp?wio• limn
on any trwectim If you ,b rat qy tM told 'New eepmam 4or M
i od
M 1
b. Aa
y FSherm
s ails. Trarmsetlarr vdtidh aro not
dl
Weds petlod
dmrpe
aub?eet m • aro scared Amrroe 1) 3. Arwml
fmm the dam
usrm
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off tus
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ymr urpW EYvmo uM the ur4 Md bdW Is pad N fun. rwa and Dom
agape defy hW- fa the yrhu r
daumrtt, we uw the if ya a
marl each day, add any tmw raeMw
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,mint N sal x defamd abo
ram
M any W ktar.et a wt wn aanot ro
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.yrr.ap, you maln
w'.01 ehlrr
roar admdc m ma . ormtknm
v five bank seamr a m
r a 1yvrRanm.W. Whorl wa
yaa amok m maw an abcroNe
IaY M wMhdrawn morn yw bark
msaro rit you may eta owe pilar.ee dmryr, swn if
You (my ri adn Nnv BMrma Ydeaoed an the fray of
you std n by tw rmtc etatom-t cooks dab, but dd
rot do r for the pmlam rood.. I1rVMd fira s dmrps.
are added to tM appte?N aegrrom of you Amvad.
t o. Mh' Fbmnss Q.?ye. Fa tad. -u plod tlmt
Yatr 8;0 M w¦gqeeect? m a fhvae cmrye, ¦ miNmun
tool pNaiNCE GMigE of 00.60 wN be Ntpard. If the
t«M fYmrae dm ft. dr ?oYeado. of tar
pWode ms w is hr done 10 60, - wi mAtract that
aroma learn. the W.6O mYhkman ad the dflarrae wit be
hMd m ri "dmw .sprmm of aomuit.
td. Taapaay fteitMid. N Fi.rsa amps. We mmow the
dtyort to not aver arty or i Sn.roe dales for any awn
blYnp psdod.
2. Awraps D.pyr palrms INNr?p New FuMm.rl.
a. Rrmrot dmas I a as W by mddD,k the cIW
btlrhea of each rpnahc of yar seoar.t (s.¢. wh
adwras, pudrr, pedal tmsfsr, anted apdM pudmr)
pWV paYde ramW dent tw been
you At dm end of sod. day
ri Wcrq wMd we +DWY ¢a dMV gdode mm for may "O==&7 may khabar a deter. based
an tr fond N TM Witl Swa
Jemna?( Plus the mardn dmdoaed m you
TMr tlrgee up be w an ri Srtt Gy of Yar
Wft gtmd cowrod by yar pedode amtamvd a."
k the macro ..smeary. Md July ad Oaaber.
c. If the code O IParl, F (-too. IlOR) «O (3yno.
LlpOlt Repdosd ManWyq +pq?n on ri reveal of Yam
aut-d rmm m the geode mmw IM psdodc raw
adevrrpondro ANNUAL PHa?IIrAfiE AAT? m:4.
wry rhda haars a lessor head
stated Nder, .=: h TM WY Streot JourL plu
1M mope proNoWy dedowd m pu Tlmr Wrgr
help ho aHocrw on ri Sm daV of Yom dphp peMd
each month
4. Anrrr. "a of Lays Owrmrdt rd Rs"a d Doyen Far.
Your Dun tap be .a.eped ro mom then two a the mr
P.ad Mn.1 Dear dabhp cry blprhp psdod. lMd.r ri
arms of yw enmtonha aPaaawt. vw nrrw ri dpN m
wad or nn to arsr srry 1sr wAtlhaa aler notlllcatlan to
tMtdom walvNp oa ddn to a.rr the rims OF ahnpar
n a Y1« done secant r soon r the eahm day vn recdw par
gprn, rd you WN rot rmeiw your drek beck fnm
yahr filaraJM Ndodon.
BILLING RIaM SUMMARY
(h Case OI 6wro Or Okrdvr. Abe You BRD
It you tlihk yea bN h waaW, «H ya rota moro
inlaarhion m a venmacdm «up, wdm u w m
am. Mwt x ran x gsdMa a tM add- fa
Naddr slmw. «. to fi«d ei Ws natarm. We rmwt
Imtt fiaro you ro faw tthrt d0dap efi« wa sent you ri
4m bN on hMddh ri aror a praman aphgered. Va don
eaH om Qrtamtr RdHlam ma bw, but dobq r WY rot
pprora.aavhroa year ddn. h Yam Niter, dw u ri klbvdrp
htoegadord Voa caste NW aceoum msrdw, rho dWar
arnara et arpted aria, a de.edption of tbo enor
and •n 4::W ay H gwpa, of taw yw hdYw "m I.
an senora 11 you rrW mom hfamnlan, a derdptlan of
the ham you aro rarhw about. VrY rat haw m pay shy
smart N ghmstlan adds wo an k_- lpaGq h, bu you
am aril oblq m Pov ri qoa of vas that an rot
N Wrdon
won pu
Nwstlrte Pmsdon, we earvmi
aspmaht of yar aceaaK m m tl.Yy Waros of salt
:,D:mw Then at ri ed of ri MNnW Perbd,' add up
ri taedm of tMr elegy tsldsdorr m amw n yw 6. ram Aerud. If mm?.hslaldp hs
appeam ontfm from of thb autanan, you have 30
Nil tram the date ttie state mt was mdNd 1o you to .
capon yw x dolr.pmm a ulr e any scion m = rim
amaad ya awtlon.
pedodo tk.ame Wqt f« orh.eprnm. =:M .p the
nala from earn
omw n ri PMadc
=WD avoid gyinp the in or to haw such fas eroded to yw
i1 you eanhcM you a or to . Duda'Na psdW, ya wy ;.t Spay! RW For Cmdt Cam P«dmeaa
=
.
flnahu dhape for To Wet Cher bderms
for sad. aa(snem of ytar aooant, " mite ri eontln- to hens yw seem wHhar Imvba m qy the
mambsMip has. To maned yar .aahaq, you meat if Va h a problom % 1ha qny of prpsnya %ft
rtmoea amt you pmrJmsW tMth a rodt&
bMarhea fir sad. eepment ad add aan11yy row trrmac c- notNy W by ralinp oa Outan.r Wla0aru DsDaMhent
' Mw tnNd h 9eod Lhh m cereal tlm
ad any Decode =%= tmlOattW on the pmWam
dare bafaraa br We Ihen ath[raet vly N Mil Yl U* ri
ad Y pa W&.4 I"
matllervp tea) il dm sd of tw Adrtydey plod.
msrdmm' you may hw. ri ddht rot m qy ar ram.kdnp
amour. dhm m the progrty ar asMor
Va low tN@
gymanro «aapu Postal r of tlrt day ttmt aro aRoraood S. H Yeu Chom rwr Aseeud. Ya cart raQse m leas .
Dpa^ Wy tNmn 1M puclmrr pry w.. roes than
m dhn aeQtrrsrr. Tlds pivr v the aoperam My otlerhw
for sad. esprmra of you mnmud
H yak pMd rho
INwtvar your anxant by rpira our tlmiama RWUarr
Ya treat deevoy your erect eardW ad
DepiNnad 860.00 rd flea putrJhar wr made h Vom Ihans Hale or
.
,
New BMao Mmvwh m Vu pnsvYa aannmu in Al (a .
.awn ar:ctr afmdn
uncd sp prsaMmdzW bMnp Mlee of pW malkq adder. 0/ we awn a
=
oo
H Vou row bMrms wr ten a • end[ rannwe), row
tearmecdar whidt Poo m
ea
had.e.e a aprW ,
,
and tsar car aeoara. If ya do rot lined
Dnanlmd: h111ra arnnparmm.
von wi6 ean.ider mattltaM, a ff teas roofed cast &I
t
.
da faf ilmprpady a coAces
aM
ptMar
p
y
euchre aaperea aro not added m riydopy biobraea. We
tmk.rts ri swaps d?W belahm addNO J ri dop
ber of y
bals the
um b
neee to
sdmr ad dMdrh
th
co ,
nadP1 of a dmae yea eWmd:adan to ropan your
LnM sawn. Addtlampy, par atxarrt tap na ha tlred
ou Ad da
aowe w hdud
aN
a
w
am
M
a W am se
of pmaher.)
cowad as un ber is sign W antmtrr[ a brat?orh
of
pear rarmnibsr is elpt M eorrcpadahea.
p
s
y
m
p
e
the dap h the Curter: bgkp ofde. To falala0a you toad
Ik.aoe tlw
e
MN
ap awa
e dr
baM b
dm y
ry
na
V
aulhodzaedd,,
tm m=P
you
lava
A dinar, Pen
due tar
ovetWNt ter
man far
rohrthed
a
Ca
h
Wt
t aoO° not •ppty m eormuma ran-cell( card •eeaNS
p
,
P y
p
y
y
tltlly psdedc ram rd by Ur numbW of dap h tM bia ,
p
y
.
s
.
adwrae fWa and anY M
1 1. arerad u y"
Y Does ^°f apply to buMr+a -.0 eW •eeamts
Decd. Du. m mcdra on a daily brb, p=ro may be a
ap(Pe wdams bsev.een 1Ne ealWSrYn ad ri anmue of asset. Yw aro repo 0 for dam :mama wfmlher
they gpaar m pa eeeaan tt ri ==
ona+dorh privacy protsNm: ate as
a4PoNd
MM
lklarhr dwps searpy eroa.sd
a It ri cam Z « N o
man on ri fi=t o1 tNs netemaq dor tM sawn or tMy am Nwrad
to
ar rs
mn m car ri accaart
TNa ma
natal h t
at w Ca}riyY rgn
Y
WUM OtN IS a
S
esM
mark of Cphd
ce
'
il
rohd m 'pelage Ram AoopW To: ws mdtlply tlm c
p
.
y
chases apps.rba an you smart after you hew All r a
Oem FkwdM Colpor.Lat
s
ros
2003
awreee data bolster a soda serum by tnwr rnaoNv raaratel lM aaahnk to be costa or the reooerr o1 CMFM ora 01LOtEAK
116405
Ighartad NoWo: Yam gymam vela a second m arrahrn r of ri Gm we tecMw It, provided ya Dad ri bottom patlm of tN. ataamem ad your chick N ri arhdred
rarmaraa amNoq, and car ppynhem h raoalved In w proesaNp eemer by 3 pm. P?ymar addrowW m w Vhpkda a Ooorda proredrq «ma rmwt be n«Iwd on a bualr.re dry
by 3:00 p.m. Ef. PaYmana addmeed m au Wasthhpmrh prohaka aorta meat M meNwd m a bwbmr Gy by 3:00 P.m. PT. Plere :pow in Yon five (6) buimr Gil for p
dWvery. Paphana rooNwd by lie at ary otMr bea0m w n.- lMr form may not be aodesd t w same GY wa ncMw tMm. Our bud- dap am Mvday 7NOUph SauW y az txkV
hdi4p. Phew do trot ur httapNt, Papa dips. nc. wtmn pmpr(np Yom gymem.
Cap"One°
002
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around for a long time.
O 2003 Capital One Services. Inc. Capital One Is a Iederalty registered service mark. All rights reserved.
002.0803
CapitalCW
Account S
Previous Balance $618.12
Payments, Credits and Adjustments $.00
Transactions $63.76
Finance Charges $10.16
New Balance $692.04
Minimum Amount Due $192.04
Payment Due Date January 15, 2004
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
Atyourmrvice
To uB Cwtomer Relstione err to repul a lint or stolen a"
1-800-955-7070
For free online account serrioe and special aw"ner offer, lot on tv
wws:nprtaloneeom
Send payments te, Seed imquicies to:
Att.- Remittance Procneing
Capital One Services capital One Ser im
P.O. Box 85147 P.O. Bin 55015
Riehmond, VA 23276 Ri<Lmond, VA 23285-5015
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
NOV 16 - DEC 15, 2003
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 15 DEC OVERLIMIT FEE $29.00
2 15 DEC PAST DUE FEE 29.00
3 is DEC PAYMENT PROTECTION 1-888-527-6904 5.76
Save money on interest, every day. Transfer your higher-interest-rate oak card and loan
balances to your Capital One card. You an save more money, spend lees time paying all those
separate bills and enjoy seeing one payment actually make a difference on the balances you
transfer. You can transfer almost any type of credit card or loan balance - as long as it has an
account number. So call our Transfer Specialists anytime, toll free, at 1-800-955-7070 to start saving!
You were assessed a pie due fee of $29.00 on 12/1512003 because your minimum payment was not
received by the due date of 12/15/2003. To avoid this fee in the futttre, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges Plme foe rewit J/de j$r inttartantt
tafOraeGrian
b BaleRK Me
I C-
P WEE
:
R ..car
PURCHASES 8623.97 .05425% 19.809E 810.16
CASH 8.00 .05425% 19.80% 8.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
T PLEASE RETURN PORTION BELOW WITH PAYMENT. T
capitEdow• 0000000 0 4862362320573515 15 0692040085250192042
New Balance $692.04
Minimum Amount Due $192.04
Payment Due Date January 15, 2004
Total enclosed $
Account Number 4862-3623-2057-3515
Capital One Bank
P.O. BOX 85147 111611111111111111 [111
Richmond, VA 23276
11 tItIttIItnItII111 111111 1111111111111111111e11111 11111 1111 t1
M.mrprbee.ai!',ydl..r erL ro..:leMyrrh/wr.ei,yN erbLri uric
So-se Apr.
Cq Sine 2e
Home Phm Alienate Phase
•
11.4Addma
!1? #9035045608401514# MAIL ID NUMBER
MANDI MILLER 1
177 OARHILL RD 1
o trrenwas CARLISLE PA 17013-8929
Pkare wireyaa aacmnt nrmba om yav eber.E w money order axadtpayJk to Capital OneBami and mail in the endured emsrlofe.
rim
r
O
M
a
1. Held 70 AVw A fetrNe rwfie.
t a. Oreee Hied. YOU VA hw a mkittttan gram period of
25 veep vdOrotu Wrrra drrys on new pndteetl, nnv
belrtcs uwhn, = aped. pudratl and'h tatter
Wr fitl H yW wY Your mot '!bur 6Yrtos'. In
acc«daros vddt the brtporurtt Nodes for wymra bebw,
ed h rift fa k m be eredkd by your rnar datertternt
de fiap.there. TThere Is. n orate r, P Period -le talftntedr
n any traracvon if you do rot PW the taut! 'Now
It wiiy Finstae chrYe• Ttarwcrlons vdidt aro rot
en8)ect m s Pea paid en aeasred firnrtoo dterpe 11
from th dam of tln trsrrsctfan « 21 freer the doe the
trarecdon h proaaad m you Acatrtt a 3) from to
firs a iandar day of the arrrrn biYnY psrlod Addtinelly,
{f Von rid not wY the 'New Befence from tho Previan
diWp psrid h fit, firtarta dtaro s continue m seanno m
yaw unpaid balance tarty to utPdd belarta h paid in fill.
TNa mew that you m•y atlfi ev v firterica tdMrptl, won it
You PW tti erdro New DaWtce Indicated n the koM of
rte dotaso for the vkkr rrrarlt. NVg IMertcodeks?-
aro anldsd m the rgnat of your Account
t c. aekrkrastn FLterttl j=. Fat each bYgro period tNk
often of
Otto aet the
favence wtN be
t d. rTiyd a net w kMa firr?it?srage @s rw to MW Qtwr
wrefii C
2. A. Rrtarta
e
the
asptwtt of par aearrn to dr drily t ch
eepman. TTnert et the end of One bWng
the nrle of ter ddoeNfiyyTfaerda6tlar m amw n
ntWta from .-Welt to at " card
Mara tlnerfia her yoour aocaun. To pot th deny bdrtoe
fa eerh aeortrtt of van arrann, the eke th Wdnirq
wymaw a aura paned tl «md
fo Wt
for each w esp of ?wM tr the gip
ynne rnad o of your ecepA Flo
New Salrta dnovm n your Pw. m
If par nsvv bdrnae per rut er • n
trorreatiorte tlvdidt pod to par prdt
ry.N,w oat .rove sl t
alolw the peera avers arts ge AW w laslaves the bt
bdrrae toteatlta and dvfArc the eta
a erode IH the coda N apprn n th from «O
etatantaN t.M m'BNanco Ram Applied To,' we Mtlao
rite
of each TN. !nor d m dote in daily M rtes a
ch
n tld ageare.) a 7:11 ua daily before" e1 t each
n Tbayen wdod.nd ddNds mu eatl
arty updd the 6Mnp pdo4 TNad we u the
veep
runs. n h
a ewy Wtarta o1 each sapnnt.
3, Mr
Th. wl farm 'Howl e Percentage Rao' may appear
"A ore
a.
'APR' an rite from o/ dis staterrram.
b. If the code P (Prime), l t3+no. L)DOlil, C IConficate of
Dopoatt), or S IRrtkeard Prfinel apron on. 1. of
tNS statement near to the palede ratspd, line oedodc
rates and AMR)AL PERCBi 1% RATES
nay wry Z-..d-ll sndm y inces r or decrease basil
on the awg Mon, as turd in The Wai Street
Jounnaf. pea the =:" odstloeod to you.
Urs 1m day of p«
TressNrmtpaa WNW on
being d := W yw wdodc etanrrnan ending
M ire mnif Jewry, Apd, .keyy ad October.
c. If the code D (Prkne), F (t LIBOR) or O (3-mo.
le roar MoaNA=, rs n tM?kooARsrmkd odf ey W
and a hdeerssr Wad on
r
Hard llin pleNprlby dried W you TfnM dWlgea
vAl be etfsciw an fie 1r day of your EBNrq period
each manuL
4. Assarnart of Ian, Ovwf * and R maned == ar.
Yar ecaus vAN M arerad n men then far
Noted hero that Dear during any bNWO wild Undo the
tem. of par euetenrur eperrtsm, pea ntlnw do dglrt to
vWlw at not to awn rty fir Wthoutrotifiatlen to
W Ihcut vrolNnp our dgM to asrw can or abnfiar
at I iner Urns.
5. Yav Aesaer. If • membaaNp me
apprro n the trot of tHa tutsmam, you hw 30
dap lrorrt rite dam tNe:su rnent vtr mafied a you to
avdd wyko the fsa a m hew suds tr arodtd to pu
If you caned your acaotan. Dudroaur rids Peiai. You maY
enaen to tar Yar amaun vdOt hWO m wY th
mstttarWp lie. Te erred vow account, pu mud
notify a by calling cur Qntanr Relations Department
ad y pro NNW Bdrta' N firfi leas r j the
memWRM La) pda m th end of th VeItyday period.
Q H You Close Yea Asr.d. You cart rert m ripe
yam account by ==.C;== wortl Vou card(s) and
omwtl aaatl dad., = afi preadnedxd bfiWto,
ad ape q your rceuu. If You do not canal
rprroallptphal:a hGrq a m vWroaopartdydoeurt
amount AddtlerWy, von outran VA era W dosed
.tor you wv afi noun. veer owe a btdudrtQ any
tnrracriens yrI Itew aWndxad, tktartce dteoa, plot
der fatl, owrNmh mtl, repansd wYnni err, cent
account tees aril arty other err asewan m your
account You an rtlparicra for thw arrroCrra eardrer
trey apprr n par amour at the lift you re4twt 10
ripe th aocaatt a they an Incurred red atdeprem m
your rogrttlt to dw th a m cosy rrnlt o
chrw 601)(1,1111113 on war aocerrtt aver you haw
in
For otmnnple,
amwtt If t Iw ==c=.
f you autlnAxd a pad we
recdve do verreetlen from the machent after your
amotar Iw been oktesd, Your r aoeerak vdN be teopatsd,
tlr arrant of the dtaoe vA h addve m your actor,
H rhos h a
rd ypwU per be -rvitble is -=ft
mrrtbsrerrtp foe ,or par .man, tla foe vdN arrkrar
to be chm#W, on to snort wmd[ted by law, until Ute
7. =Y=A.=== h Nx a dsard hboow
t gwn paNcarrot
uteat In , n vA .
W rsretectio tvMh arter e y Internet tWtp
8. Nsthe Abort Fisebarie Cheek C-elan.
provide • dtsdk as peprrtt, you anahake tr richer m
rr
electronic fund d r* par riles![ m make electronic traonie fin trrahr from your bank account r or or t to
pr e" tlr psyetan tl • dtsclk tnrnocdat Wftn vro
rr hmnnstien from you d.ak tO make n eiocttonfc
hard trartefer, fidda may be widtdratvn hem your bank
Btratn tl eon tl th ante daY Nor rsaiw par
popper, w% you A rot receive you dlock Gok I,
Yo+ IbtarrJd itsdurtlart.
BIWNO RIOWS SUMMARY
(h Case Of FRova Or OuaeUan About Your BE)
It you thkk you MI Y vrao, or H you rod more
Intoatedan on a vaneetisn a bill, velm w,:-
a
sawrne drat as
teen tl paefEN at the eddrw for
kpiltl dtowt on to from of riley eswe nor. We runt
flan
Iwar Yv/itlt ou ns lea Yttlafi0prohlrrraltpearod. d afer pea n youth
ltd hiN n the anon caVou tan
ran 0111 f]rearlter Rdeiar matter, but =%=
your dgl ti puaa !erect, Otw mMrW par rrmse ad aau note, th dollar
atsorat of th otrpeded emu, a description of the enter
ad ur separtlan, H padlM, etww you bdhve them ie
n era; auaro t Hyou rod rrrae men You rot h to • ow to a of
th Itrn yo ahaut. Yau de pay any
amwp h Ails ea w kivsUOeirq h, bur[ you
an eW o Yd to pabyt ytehaetIg?am of yar_ tlf tlrt aro rte
kt g110atio11. YYe 1te par Otmiert, we thegl
regal y0a M deNllQrt or ta any aeUm 10 CONeat the
arrant you 9utldort.
i,t Spend Rde For Credit Card Purdtrtl
ufity of property a
If you hw • prohlan Ath 1%1*
aervkros the pu
hw tried bt You h • eredt card arnd fahh m cams the proNrn vAth rite
mardtam, Veu may hw tiro dpltt rot to pay the ra is
amaan due n th poparty a teas you haw iH
protaetln oily vtlwk tlr ptrdtw pdt» vas mom the
!50.00 ad tlr purtlrer per made in you her erne a
wiWn 100 nga of your 1nalbtp add/eK Rt pea ovtt a
.pram
_
.6. of at he matltrn,praopHutvat mdbd youth
putcha
an owned no order M arktoutt a IocaCfarnso purchase.)
Row romaatber m s{pt am mmepadance.
t Doti not apply to consu rrer n vcilf cad scrods
i Doors rot apply to business Awm ,odt sad accents
privacy protectin: w our
red service mark of Capital
her rwrwd. a 2003
01LOIBAK
== muturo n a ary rrr, mere may r
Crps bettueert thY aleClstlort ad the anws of
b. I. heoade T a N ipnas n fiat Of IN* -sutra
near to yBdro Ram nP T0, vvs mdtply rho W.
11055S
Nprtrn Nsiee: You wyrrm vA W credmd m accaat tl of tin eau per reodw n, Provides Yav sad the bottom gorier of the etatrnem ad your duck h th ndord
radttana ernelape, and yourpayrnem b roedre0 nl err Roaaktp Orrmr by 3 Rm. Papymrerr .akeww m our vlr?da «O.orpl. pawdrtp eater rm,d b. e.odwd n. awrttl. dy
by 3:00p.m. ET. Paymame adinesrA m err Wadiort proadro ans. rmwt be nealvd n • Duebww daY by 3:00 pm. PT. Plow aiow n !sect fur (5) budtnw Mp 1or postal
ddwry. Payrrtrm naivd by a n try aver loatlan « h .miter tam may not W taerfited Ape arm dry vn roodw them. Our bu6bwtl Clap w ktartday tlratdr S+mfdeY. ardvdnN
hdGys. Phatl do not tae trades pspar der. em. vlwn pnpetko You wNrrn. wttn you a«d ua a dtadkW, You aWtodxo tae m mob a artstnns ehelrade vrrNr Mbh from Ymr
ak?Ntodxi w io masks a d?iakgsol?? ?Th?h ?n u tM tdtsck a wwrntroadkv« iubto ? bNgrtp cYde .urn H scut by eomarr dr. n vw cuter Rocetl 7M vr.mr, Yw
041
Financial difficulties?
Your account is over
3o days past due.
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
We can help!
• Good credit is 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
by Phone service.
• If you prefer, simply use the remittance
coupon below.
as If you have online access, log on to your account
and pay now at www.capitalone.com.
O 20M Capital One Services. Inc. Capital One is a lederelly registered service mark. All rights reserved. 041-0303
CapitalOne•
Account S
Previous Balance ;692.04
Payments, Credits and Adjustments ;.00
Tnnsactions ;64.42
Finance Charges ;1223
New Balance ;768.69
Minimum Amount Due ;268.69
Payment Due Date February 14, 2004
Total Credit Line ;500
Total Available Credit ;.00
Credit Line for Cash 5500
Available Credit for Cash ;.00
Atyourservice
To all Customer Relations or to report a tat or states card:
1-800-955-7070
For fix online ao.Wm xrrica and speeW ow tatr.96%, log on to:
t. cspinlone.eom
Send paymenh to: Send inquires to:
Attn: RemittanceProcening
Capital One Semen C•Pinl One Senior
P.O. Bea 85147 P.O. Box 85015
Ridmond, VA 23276 Rithmond, VA 27285-5015
CapltalQyw•
whars in your waII90-
DEC 16, 2003 -JAN 1S, 2004
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 16 DEC OVERLIMIT FEE ;29.00
2 15 JAN PAST DUE FEE 29.00
3 15 JAN PAYMENT PROTECTION 1-888-527-6904 6.42
You were assessed a past due fee of $29.00 on 01/1512004 berattse your minimum payment was not
received by the due date of 01/15/2004. To avoid this fee in the fume, we recommend that you
allow at least 7 busutess days for your payment to reach Capital One.
Finance Charges Plewe roe rewre rids for imforlsvrt information
Ed .fir Pe.i.I
'Vprr do. .er
PURCHASPS 8726.93 .05425% 19mu 81121
CASH 8.00 .05425% 19.80% 5.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
Caplta1Cw 0000000 0 4862362320573515 15 0768690085250268694
New Balance ;768.69
Minimum Amount Due ;268.69
Payment Doe Date February14, 2004
Total enclosed ;
Accou cat Number. 4862-3623-2057-3S15
son Apt s
aw sw.a ZIP
Homo Plum Alternate Phoa
As
EmailAddrws
#9001645608401511# MAIL ID NUMBER
Capital One Sank MANDI MILLER
P.O. Box 85147 11111111tu11111111111 rv 177 OAKHILL RD
Richmond, VA 23276 H assesses CARLISLE PA 17013-8929
111 11111
Pleats r .tey-amount a.n.ber on yac,W or --y ordn madepayab6e to Qys;W 0- B-1 and nail in the rndared enurlope.
P&aepwwwr ?s73r em.&., w.aJ.da?ynerba,rrfi."W -R-A,..t
r
S
Z
!Pew To Avald A FMse Chrgs.
a. Gass Paled. Vast wN how • mkimtm grow pedd of
25 dsp whew MMr? dw2o an ?!: ,?
blahce tawfio: row tiPsrJal
='a if you pay yar total •Nsw Babnae•, in
etxord. "" the fmpertrht Natlw fa M1 '.
and In tine for H to W eredmd by you rout slemnhene
dadq dam. These Y no grace porlod on cash advartdes
and special «wfom. in edddo, them Y no grace Pend
m any tranYCtlm if you do rot pay the toms 'New
b. Aeonrihp Fkhaus Choose. Tram-d- vAic h am not
aA)oet to e 9raw pabd ero aasossed fienw dharye 11 3.
been the due of the trrrectlm a 2) ban the date the
toomemcdon Is Processed to van Acmnt a 3) from the
first calendar deV of de arrsre higit9 Podac, AdddmWy, b.
If you rid rot MV the •New Bdanw =0%=to
Mlellw charges war w10eN balerhae IIYN to unsold belanw Is odd in hdl.
one. To obtain the &mape dally balance for the
?Yq Pedad cowrod by the Maroon, Wa take the
DWnYnY 6a4noa of aedt eepnap each day, add any
new
tranaaetlgle to each agnate and edArect any pe?mwns
a eradm. IH of. cads N e es. en 1M rant of:
statement nazi to Malonea Role AApepdc To,• we aI-
of MCI arty tnpald lrheroe dw0s khtltudd n the balance
01 Ydt YTpt nmax.) This yvw u the Idogy 6Wrbe of each
W for each
for the bill p P=Nthe
by the raanba of days In to billing period This gives a the
Tlq mere that you mop M owe Mtalw durgY, own if may e
you pay the amble NW goleroo khdnmd on der from of m the
yair carman by the rout stetartau clop dam, has: did Jaarw
rot do so for fro pMA- made. tapW fkenoe sh.'W These
am adhd m do emdo s so mein, of you Aaoutt. atYep
ti e. hihkraae Firers dwpa. Fa grit p- dot M the
nand m me
t ". [ yI
d. Tanpera
lie
rory RtlMlon any a r AN
dye: mpab[dessge arty M Mono
2.
a. Rnart Daly Balms fiuaktia Nov
a, Aitsdoe shame is
ealasatd 6v mri
awe
a mrram c.
bs%pomd. If the
M
ro d
eeeohss.
?m?r eccam If it has afraedy bent t I - For example,
If you aWndzad a purdrY from a mntlnnt ell we
mcalw the traeaedon from the merdwhr afar you
tha motes: of the hee?,eepdpel?your eouutt wl? 6e rooponed,
nternbertrtp fm Aar yotr aoe. go fee=vi corants,
m W ch m fro exmm permitted by low, wall to
stxottnt Wlrne bee been Mid In IW Y dolled ahow.
7. Llelro Yw Aamue.'ll cad a accan camot be
aced n wrshOCnlon orW ell, Hemet gsnbliq
sly batoroa of each sogmont.
!vets Rom IAPR). food et h
S. Ntriss Aae Ftsaberds ptook CarhvonhYn Vythan you
a
Po
may appear as
Wti V a doe'
=
q
yes
m
a a ddrr eo
it
of she the ststana
the hard ham
n. ake
to o
um
hlmtden
Imm yme
check
rehab • o n?drns
e P Prime), L (3-mo. LIBOR). C (Cordlum of rn,
electronic food tnrefsr hom yea bank account nt t ar a to
a a IBanicerd Pdrrte) appeam at the from of
teem next m t
eri
dc
t
w
th
i
i =-h-== srtere rarhaertion. tMtart ws
b
o p
a
[s
e
,
od
c
e Per
ANUAL PEACBdTAOE RATES
k
b
d an yar dheelk m sub ah elaetdordc
led trw*W, herds may be wlWwawn from yolr bank
l In'. o
ase
nod nc. a. d awxsas as soon as is erne dry m resolve your
a rd you wig rot rec" Vern tluck beck from
fro ma
gin previaely dYclpesd to
va` va+r """'°I
M
W
aline
rgss nit wan On fat 4y of your
? B
ng
,who .ladvuarY Md..Mly ayn Oua6ar•
WD Mel
F If who
11Som e
O A3 ILLING
1 Cam OI Firom OrMQwdar Abaci Yar M
It
thk
k
fill b
H
.
r
-me.
,
pdiosd hlorMlriN m on to lad of your you
h
your
wrong, a
you rhmd moro
Intornudon o • tanoaetlan a 611, vudte m w on a
next m der Meade ralew to c tame separate alaet Y Ya1 Y Meade at der address fee
?p?drq ANNIAL P61CBIfAGE T'C9 may nqulMe dw n an to from of the storminess. We new
I ty arudmaN Yrawe of deaaeY Weed dm tta hear flan Pear no Ymr 1Mn g0 dd?aya afar xa oral you do
foal, Y food h TM WiY Sweat dara+uG pie fat t" to edict fro error a pnmlan appssred You can
e. We rear- the in. margin DdwlaWy, disci I to WL Tram c hangm catt oe Cetenur Balaton dumber, but doing m w9 not
nettles; fa any Yvan wm be sIlaepw w the Met dry of you 61Mng peril pa yar dynes in yar letuy yes w der lFmWp
cash marts. bmatat your name and atoanl nurMSr, the dater
el. 4. Aassaanwh! of Late, Wain and RMntad Payvuee Fur. ameue of de aapaeud error, • daecripolan a1 de error
e dairy Vow ocomm vA be assessed no more then turn e1 dr few ad an aplaYden, H perlhle, elvt1hy you be"" them la
4, nth Noted hue that acar during any M" period. Under the an offer, or if you gird more pdYnnlary a description of
AN Vt w.. lease of Yerxr manner agreement, caw meerve to dye m the Han yw am wain about. You do not haw Is pay any
t has booo
nY Wa1w or nm m aussa any tees vwlwgrip notification to
o
i
h
al
N steam k
h
y
t estion wAi
e
o
h, but you
" as
nve
x
q
fof oadh .
m
r
g
t to assames
> age a
m
ar
u a Yla p
W
p
am so
kt
w
r
e
q?pt?h
. canner
. Is v
he
?
6
ta
ilor you
r a talc shy action to
V vro add rip sppeam
m t e from of this "mom, you hew 30 amowd you quwdmh.
u a from
rhos matted ro you to
ring to deco of" to
atta rip do avdd pa*V the fee or to hew . fY erodtd to you t,t Special Ik/e For Credit Card Hachome
at petfode
ONyy 6al?ad?hos
o bs
e
a if" rt" Your arrant. Dwkq she peril, you may
contra tot yaw accawr WAWA having to pay the
f
al
l
I
T
l
e
H you hew a preNan vft rho quaMy of property or
p
r
q
t
radeecdorr mam
rsn
h
p
nt.
o cance
Yaw mcaa
, Va
ncdly a by calling ow Cttstaner Relataa .4=_
mrvldae that yvsr vdlh • eosdt cad ad yes
hav° tried n tehh m cort t ~
wide the
d* Pmvloe ad Pay your New Balerhw• l M Intl Wrq the is pay
msrdhw. Yau may hew tlr right not io pay the remaining
met shy
tam alocatd manheralYp lo) DMH m top ad o1 ms rimy-day Mdod
6. H you Cleo Pew Aowas. Yw can mean to dam amawM dhre an the properly or aervkaa. You law No
ry
R
W
l
V
ally hot-
If
ou
eid Uo yar awowrt by eattiq oar f]rotomar Relatlere
oe
ronam
You m
t de
r
t
dit
dw
d y v
Y a
an I
gutlwe pY*two teem tan
Dro
ea
160.00 and the ptxdhsse ypa made N yar homy amto or
y
o
tint h fki Aa pe
.
roy you
e
s
cre
ur
an
aeeamt aeeem checks
umal sN preuAadzd hitting Wthil 100 MIY of your ru-- addessa. Of We own or
ws), now
pedal ,
,
and went bring yes aewrae. If you do alt caned
DrYUMA2ad kANrig amngernYd, ws WN wnalhbl operate 1M madhare, or 11 v el mailed yes to
adwNermm for the property a aN purcJww
eowad roperdm of amoud b
of phrdhamJ
6alarhcae. We
Y the dopy reeaipt of a charge your authorization to reo
pen Your
ec0atmt. AddtlanslY, war aocant wW as ha tlaad
oce, n
R
e
qm mnhauhWr to doh all corroapahMhes.
h nawrhbsr of
h hang you pay aN nnasu you owe a NrJtrtMq: any
ds
?
a
?
he
r
pw Does not apply to cone---fir card accounts
t
tense dh
e due
le
, ova
tmlt
lm,mhxrad Myt f
sc
a
udh
In the burg adwnu tam and arty otlrr far ssssgsd to yea S foss rot appyy m boalnas rPeYJa?r cad accounts
e may W a
e amars of aeootnt. VPe am respaeNSe 1. tam arnawns h I.ther
they appear o yea stxrotae a the pme pyehuu repeat m
d
=OF* nppadts inlamederh Privacy praecdom we err
cc?q
*t
dy
at www
orw
em
I natrment ote top tteeotse a they am Yhcurrd aleeo0uodht to
you mgose to does to account. This may resit In dN
s
l
.N
.
.
MOOK
rid epees (era rk of
N a
R
?
tyrhe
charges appssmq an Voa acco" after yes have
I r" or the mopor*so of 3
m rig
0
ha
hci
rho
Carps P]I dQm remnved 1003
CWW One O1LOLDAK
Q to cep h the arwt both cyde. To
Orhaew dwrge
ar avera
e d
?j , y
g
dotty periods am add der minbse of
O Ddod dr m dandrp Y a Yy opals
N Might between Iftis
o
a
d It. If the wde Z o N appasm on the trot
'Bd
R
A
l
T
,
V roe[ as
ahw
ea
pp
we
d
0.
1212OS
M eeo eeahtas to thrmm at we to
edge for accahnt. To get to
eyeach , and am natt of wv secant, aawwes tam t
fd Odic I charge, coludeved? I
o
. We two of 1M[ darho sap
arews. Ibvwaaedtrrx?
EM
es vh*h Post to voter gatelghwe or
krportart Ns1iw: Pear gibs there the rooalw h, provldd yqu cad the Dothan pendah of thk tristanas and you duck n tM arhdoad
W Y woalvd kh ow poegakq comer Fry 3 p.m. Pa rrara addnsYd to oa Vlryna a Ogrgla proegskq eats man W reollwd o a bus4aw Gy
remitlahw erhvMape4"t
by 3:00 ??Ptarnr?tEaTnsP0dawd m w Waohkgadh pmwaokq napes met De an a bwkaw day ay 3:00 pm. PT. Pbw tlow m boat tw (B) hrwMw dap lr petal
IhoNdata. PNaw do ss >n?r?e PsPer doe, OwlanhPmMrkq Pear MMywkt WMn duYSagd kris i duekw, Yq nnorize a minal?oa aMopi-Wnee?ctrone?trarNrdsWi,t
WW dzi w t ?mal?ka a?dtaryoot? ?TNbadke awkq?iha?ch edf<, a proper der h?otwha?ih. ? ? awn H cart lay someaw ribs. It we carat pmoaw der /roller, You
Capital oW
002
• Employers check credit references before hiring new people.
• Banks and leasing companies often base the interest rate they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
C 2003 Capital One Services, inc. Capital One Is a federally registered sarvk:e mark. All rights reserved.
002-0803
CapitaICW
Account
Previous Balance $768.69
Payments, Credits and Adjustments S1S0.00
Transactions 534.76
Finance Charges $12.22
New Balance $665.67
Minimum Amount Due $165.67
Payment Due Date March 15, 2004
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To nIl 0a tame<Rdstiom -to report a to t -.W- -i
1-800-955-7070
For free online aotount savior and special customer offers, lop on to:
waw.npealone..rn
Seed paymans to: Said kquirin to:
Attn: Remittance Pro 4n;
capital One Savior Capinl one Serviou
P.O. Box 85147 P.O. Box 85015
Richmond, VA 23276 Ri6mond, VA 21225-5015
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
JAN 16 - FEB 15, 2004
Page 1 of 1
Payments, Credits and Adjustments
1 31 JAN DIRECT DEBIT PAYMENT $150.00-
Transactions
2 16 JAN OVERLIMIT FEE $29.00
3 15 FEB PAYMENT PROTECTION 1-888-527-6904 5.76
'Important Notice'You were mailed an Important Notice Of A Change In Terms in your
February 2004 statement or were se at 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.
Lmportant Account Information
This February Capital One is in the movies! Watch Ebert &
Roeper to see their top movie picks and visit
EbertandRoeper.ty to we how you can get involved and learn
more about Roger Ebert's 6th Annual Overlooked Film
Festival.
Finance Charges PlsmsiarrowrstiAs*ivIlowlext inforasa on
Bal.sarture Paiadu
r
WEE
.ypro" rah R
PURCHASES $726.48 .05425% 19.80% $12.21
CASH 6.00 .05425% 19.80% 6.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT.
COPLftlo • 0000000 0 4862362320573515 15 0665670150000165675
New Balance (665.67
Minimum Amount Due $165.67
Payment Due Date Much 15, 2004
Total enclosed $
Account Number. 4862-3623-2057-3515
P@mrprdrfara6V.1*,a auL:rrweeild,.q.kkar sararNa -M.4 imi
Street Apt 4
City Sore ZIP
Homo Phree Altem:te Thom
???fff #9004645608401518# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 I I III I I I I I ° 177 OAKHILL RD
to tnutttt m ?
Richmond, VA 23276 CARLISLE PA 17013-8929
Ittltlttllltlltlltteltllttllttellettllltllllttllrlrllrttlltttl IIIIIIIIIJIll".11 III, Iloilo lull loll 111111 1111111111111111111
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Pkxetariteyoscarrnrrntnwnkrmyorecheat:o,m a order esadepayabletoCapita!OneBan!andmai!intheeadarrdem+elope.
r
ta?ssr
a
8
O
1. How To Avoid A Rmamaa dope,
to. laraee pared. You rA haw a nnntnsan grace period of psrbdc rats. To obtain to average daily balance for the
dllYq 1p ded oove tad by this statement ve uke the you acoaft H it its already been dead For example,
If Yr aWndZed a padre ham a madwd and we
26 days vvktwr fnrxe drrye m row pureeaw, row
baWeo trrrlen
row
tlY
d
d
tl b+grsahg balance of each segment sarjm day. add
my
n
e
w
tl
h
b
d mcalve die trerraalat from the mooha t aher yoor
,
sps
pa
rra a
row o
nr
coWe Uf You Pay Year tow 'Now Balaoa% N
scrxrrlenhcs with air kn
ewcat NWw for
s
maw below tramae
ar eac
?
ar
?t
?
to
sgnae an
r
tract eery pat t
a cmditt !If tM male fl apps?n m to Aom et ho
...,am rate m'Bal
na N
u A
K
d T
:
Y most" has heat ahead, year tomud WO be o opmed,
::=of 0: charge wil be added to your 11 aaxur.
W t
i
p
y
,
and In Woe for It to be cmdnd by your etere etawners a
e
pp
s
o
we
en
retract my trpold frwros dtarga krAtded In tit beoros ??
o payment. M m. Is
a
manrrtp fee far year secret, the be will mrsinue
closing date. Thos Is no gr- pedal an cash adva coo
and s
N addition
them o no
nco
auded
morealers, of sash asptaaM.) This piles us the MY baWns of each
so
roall
Then Wo add as
AN tM droll baWacoo br each m bs dtsapad, m the ? pearnitual by ow, umi the
aemarr balrtcs h
b
id N f
ll
d
h
d
b
t
rs
,
g
l
you do not pry the tom 'New g
.
p
.groom for this bake pa1o0 ad di by alts otal as
een pa
e
n
a
ove.
u
as
7
Ud n
Yon Ao- M
Yoa can a account can not be
balerhoe.' comber w days N tits WMrq pedal Thin si- u the .
il
.
used N convection with eery IM-w gambling
b. Aeertirg FNensa Chins. Trsnactkn vAhkh aro not
a6lset to a g+c+ period n avowed frhsnhce charge 11 het h1My Wlnhea of each segeem.
3. Mad paraerdaga Rte fAPRI. vareacdom
tl. NeNa Abed Eoaaade tlret Oerwsnien. When pu
from the data of to transaction a 2) from the data the a. Tit tam 'ArvsW Peru u
r 9. Rao' may appear as
pteWO a check a paytrhat, you aalwke ear shier te
trroacdon is processsd to you Acm ent a 3) from the APFr on the hart of INe stwamam. - Nfamdm hate Veer citric to Make a one-tlmo
first calendar day of to amaa b" oedod. Addidamsfy,
' b. It 1h code P Wdme), L (3-ree. 1)DUR1, C (Cenfirato of elowuntie lied trre it from year bank acco n or
to
if you did not pay the
New Bdrtm iron the Prwlra
b
In RA
har
e
M
to
t Deposit), or S Mwtkcan PWnN alpaca an tha from of
t
N
a
h
i
di
V
d
i process the payment an a dmaek tyre embn When ws
f
?
, ? c
g
s m
rsa
acc us
o
r a
y
a
paid
e a
o
e per
o
c rrtsp),
r pe
ot
c
ermmtsnnood I* t ear In
ormation from year chock to Make an electronic hind
tweeter
awn
ear
bank
o
T
his
mean tht you my so m
w Rt charge
s, wm it maay very quartsily admy atcm.a «d.a based ,
s yy
ama
so atom am #0 so
n a den
ra
you pay the anus New Byrn Indicated m the Tram of m de stated bull-, as fend N TAe Wile Srroar payment, and Y. uifl not -.a- year check back from
ymr statement W do nett stawrrrs doaFp date, but rid
t do
f
t
vA
c
Un
id fi
d Jame; plus tit m fgi pp?avsoa dladosed to you.
Th
d
df
d
w
n year Mharhdal mdntm.
no
as
or
o pa
us, ma
h.
pa
nance
am added m tlo appEeaNs peed of your Amato en
orpaa v
h
Nedw
a
1M Lst day of your
b period oownd by you p dodic wtaman ending
BILLING RKIHTS SUMMARY
'te. bfirinsr ffNrew Cdrnga. r« each bang period that
ear acrxart b cr am n a On- ch
a mYl - N 1M menhir Janory, App. JNyy and October.
c
It the code D Wmr)
F (1-
UBOW
O (3- (N Gr Of Finn Or Modems Abou year Will
II
l
kt
t
R I
If
y
-,
teal RfL4NCE A6E of W.60 will be Ingneed M the
W
e nsdak
from do a
6
ado
of
ear .
ee.
m.
,
or
LIBOR RapAmd =th
0 on tlo from of yaw
tatem
t
t to th
d
l
eal d
t
l
d
4= you I
t
t you
?
s weon g, or
you need more
Inlomudan on a transaction or bill wells to w on a
o
l
e
pp
==
ry
c
n
y
(aH le Ise the 30 60, we will satrem dot s
en
net
e pa
a
e m
o ra
a
o
e
1
and oanaoahdre ANNUAL PER A13E pa
c AATtHm+y sytan
a
wt as eon ono pa at the address for
ingadda Nowh on do from of this strtread
We mull
among from tit 40.60 MInIm . and to dl(omes wag be wry nmrdfy amd mry kheaaa a dacnaa based on the .
hear hen You no lacer than BO We aMa vn you the
billed to the pudna seprtam[ of aem.
t' d. Taaaperary Redutia in Flnrhw tlurge. W. macaw de owed Ndfees, a land N TM Will SWO Jame(, past
the Margin pntimaly da9esed to you. The donpea firs) bN m wHeh to acre a pddam gpesnd You con
can ear Customer Ral+den nmbsr, but doing a w/ll nice
dymt to not area any or all Meta dorya for ate. given
pealed
ban will be aHeedve an the fort day w your billing period
sad
momh prusrw ysur ddnts. In year oiler, oM us the fdlewim
i
b
g
h
h
d
d
ll
g
2. Awes DMy Bslrua IYhNndiro New Pudrwl. m
.
4. Aaarnrtt of Lab, Dmft* rd Rasrnd =%d a. n
rma
am ywr awns an
accord n m
o, t
e
o
ar
ream of Ih sun pecleal
saw, a domerpNa of the error
a. Rnhxe charge Is calaland 6y tnutlplyfng to dally Yow acment wN be assoos d no more than ew and an andmaden, N possible, of WvNahyy you below them Is
balenm of each segment of your amour (s.g., rash thr a d hers tot occur during any billing pealed. Under to an error a If yet real tan Maaatl I a description of
edwm, phadhsaa, special transfer, and tnpedai ponemo)
by de oerrto".1 rp daily peodie rau(N that Ice heen
pmdrady dboowd o yak, At the end of each day drkhp tams of your customer egnaanam wen nsarve the night to
we- or non m awes eny fens wither M« notteadm to
w/dout wNWhp oat right to anew dr ms or Nm6ar On ham you an rsnne about. You do cot haw to pay cry
. wNe we aro Ntasinrw h, bur you
anon U=
m sal pay Ih pears of year bN(that am not
the bW V period we apply the dell padode me for each
=.V" ?M d. bolmoo at each at a leW time.
6. Year Ate= If a nwnberWp fee =
N gAMOML we Inv estiar year gusedon, ws cavot
dNnhgawn a tab ay aedm to ccocl the
Then at tit ad of t "ho prod, tve add asp appears an the from of INs statement, you hew 30 ==
rrsdon.
the her I of tea dollycoloulationsto amw at your
psripde Sm char
e for each se
nom wo add as
the data been the dam tale stater ad was MAW to you to
avoid
a
kt
the tea or to haw suc
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p
earls from sash oopmee m amw w tit pa+i psriodo p
y
g
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you
It you anal your scram. DAM tlis period, you may l, f Special Ws For Crust Coed Purchases
finance dwse forWu axon. To got to daily balance
for esc h rgteN of
our axrar
m eke do be
ewrh
catWoes to Loss you aeeon wfe1M having to pay the
f
c To
membershi
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l
a
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t If you have a prehlem with to quality of progeny a
y
,
g
g
balance tar each wgaeK a d add rraryy row ttreaoelar p
o
c
nce
your
maa
, you mus
notify w by caring our gwoma Relations Depamnent
' servlaa you pueclh! ouf with a caedl and and you
have trod ti good tale to cord Ih problem with the
sari arry frmahes damp Wdarsd an to psvfona
day's fen tw asgrwt. We tlen eWVm s
poynnena or crada passed an d that my that a.=. and pay your Now Balance
N Ace fstadmdng the
mrnboertp /w) por to she and of the thirty day period.
B. N Y. Case You AesasM. You ran raps to elan mertlwt, you may have to eight not to pay the NneaInfrq
mount dr on theprapeny Of aMeea. You Mw this
ll
t
ti
f
to tea sagrwat Two glove w tit separate, daily baWxe
for each ss
rwt of
our
m Ho
If
id th
yyeaarr account by eaip ass Customer RNatlme
0
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d
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r pmrMhm. was coon than
pro
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460.00 0 and tr podea was roads in year home state a
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New balance down on year pmvlaar susearwt N k/(a ape
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o.., V. en
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amwd scar chocks
eared d preftow , Wing v"In100 mid of your maiq addnsa. (11 we owm or
If yaw now balawe was zam or a exadc awn), row
trarneetlana which pace to yaw putler or apodal ,
.
and ear w=r acootrn. If you do not eancal
PMMAbodmd angrrMe
we will consider operate to madam, or if we mailed you the
adVadaemrt 1a 1h prepay a MINaa at purchases
psder segmrMS am not added o the doily balances. We
e•kuob qns: rago a.W bg= by adding d to defy
% ,
receipt of a charge year amdroMzatlen to
?eapn Vacua
accooM. Additaeny, yu acaotrn will net 6s ndesed am mvsnd npsdw o1 amen a domw o/ prdese.l
mhr to
Rea mme sign all mmapandarxs.
balrnoea to(phrr and di .9,
,V to rte by the Maribor w
dr dells N to arrenM b cycle. To ealontone year mid coma you wr all •mann you ow. w Ndrang: achy
trmsactiae wu haw authorized, Mwtea dhsrpw, pest t nos ea ayAN ro oarwnr mmrredE and .emau
Mmsrta dh+e'Oe. rtsitlply year avmage dally bolos by do
deny rsa and ply dne number of days h the bnFq
D
di due fees, overiedl foar metarved payment has, act
advrtm tea ale eery alw l+a awrad to you
t !Jost ra apply to 6uaLteat non.nw6t cad saeounia
ps
us to rout
rhp an e daily bale, awe cosy be a
sfyt verWtrs hetween ate eaktleam ale the smart of account. You are rwpaeels for ttor emama whether
they appear an Year rteud at the Wee you request to
r4W*rts Manatlm privacy Prmoaon: sac our
Mores dorpa acvrEy areaad
b
It the code Z or N a
ears on lit from of No newna t dose to scooters or they an Incurred WAWoq M to
ou re
uest to doss t
c
nt
Thi
ft I w wow. mm.
C+WW One Is + lodmilly registered service mark of Capital
.
pp
nett to 'Sale- two Appfed To: we mndply the y
q
o a
cou
.
s may mu
n
ocouu ah« you haw 0,0 I ?ai Corpaatan AN d¢n toserwd a 2003
.gR doly balance -- f
==W== AK
14400S
R Peas do ntot wr stadia, paper dr, ace. vMen prepaehhp Yehr PaYmam. YRma you nerd w a dtsckW, you atrtlta@e w m male a ae4hn Neetror}e trsM debi[ from your
aWedte w io mob a tl?isrgof+w?t ?Th?le +? ?a pagdt? t?k ? ?ttr? duebhg ?.gntlnp cyW awn N dart by aamean Nse. If we cnvmot prmaos to vamdsr, you
027
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Capimlow"
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
Account Sttmmaty Payments, Credits and Adjustments
027-0402
FEB 16 - MAR 15, 2004
Page 1 of 1
Previous Balance 5665.67 1 23 FEB DIRECT DEBIT PAYMENT $150.00-
Payments, Credits and Adjustments $208.00 2 23M PAST DUE FEE CREDIT 29.00-
Transactions $8.34 3 23 FEB OVERLIMIT FEE CREDIT 29.00-
Finance Charges $8.09
New Balance $474.10
Minimum Amount Due $14.00
Payment Due Date April 15, 2004
Transactions
4 0l MAR BLOCKBUSTER VIDEO #"902 CARLISLE PA
5 15 MAR PAYMENT PROTECTION 1-888-527-6904
Total Credit Line $500 Families in PA EARNING INCOMES UP TO $43,240 per ru maybe eligible for low-cost or free
Total Available Credit $25.90 health care coverage FOR THEIR UNINSURED CHILDREN. If you or someone you know has a
Credit Line for Cash $500 child without health illsarance, call toll free 1-877-KIDS-NOW for information about the low-wst
Available Credit for Cash $25.90 or free health are coverage Programs in PA.
At your service
To all Customer Relations a to report a tat or stolen w&
1-800-955-7070
For free online aeteWat -ioe and spend outomer effem leg on tw
www.npitdollnnm
Smdpoyaaemat. Send kqyid. i.
Attn: Remittoaft Processing
Capital OneSuricn C.AW0..Serrieel
P.O. But 85147 P.O. Bo: 85015
Richmond, VA =6 Richmond. VA 23285-5015
$4.23
4.11
Important Account Information
This month you will receim your 2004 Guide To Benefits,
which sets forth all the additional benefits and services you
may be eligible to receive this yea. 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. Finance Charges wt
Pkwera reoerrerids for ix9sowantt i
ai(mlrn
ionn
Baf.rcrner ]
]
ti
Perialw ?t CHARGE
.3hefvlA, .?
PURCHASES $514.25 .054251A 19A0% $8.09
CASH S.00 .05425% 19.80% S.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
m
N
? PLYEASE RETURN PORTION BELOW WITH PAYMENT.
C--"~O W 0000000 0 4862362320573515 15 0474100150000014007
New Balance $474.10
Minimum Amount Dale $14.00
Payment Due Date April 15, 2004
Total enclosed $
Account Number. 48624623-2057-3515
Capital One Bank
P.O. Box 85147 III1111111111111111111
Richmond, VA 23276
1111111111111 Isllrlllllllllll llll11 III pill llllllllllllllllllll
P&aupriats.J'syaJirrr.rL r-oaJd,.nrnhbarw;lyHwe.N.cF nrk
sarek Art +
Cup Sear OP
Home Pdoa Aborats Pbae
•
E..aAddres
#9007645608401515# MAIL ID NUMBER
MANDI MILLER
N 177 OAKHILL RD
CARLISLE PA 17013-8929
N
11111I1111IIIIIIll 1111Ill IIIIIIIIIIIIIIIIIIIloll 111111lllllnl
SEEM
Please vriteyo m-st number myorocb=tse or money order madep9mble to C#iW OwBmA andmail in themdwedenvd r.
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CeW2 Capital One Services, Inc. Capital One is a federally registered service mark AN rights reserved.
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I'll. areas Period. You Wu haw a minimum Weca period of
25 dap without fro ma dr!q• on now puneat, row
trlata trarofsnatrroVawurapedY modus and rave oiler
d"Ve' in
so owywidpu fits Irnpatant Hadoe for below,
arhd h time I. it m be oredted by your ro aalemmd
mry ded amt.rTahrebe eis . ro H a!drds itionp, edroad re a iscaro sh Ohes dvaplre:eria
od
trauaectlcnm if you do rot paV tM toW 'lbw
b. A*wubV Ftnare Ch.". Transactions weddh aro not
afmmtlme dam ofUs?swclima-a jdfron tM
da? Nsl )
traraNon is procea•ed to gar Account or 3) ham the
Runt calendar day of air arrrerht 6eaup psdod. AdrlaiorrOy,
ifpyerul did rot pay the 'Now aatk n from its prM*%=
WM pooled N M, fine, a tinges mmBee to accrus, to
your ulpold blase u d the upod behouts, is paid In M.
TNa memo that you mW dg ova Maude triopa, awn if
you pay to etlso Naw aYartOS kNated m the fpm of
your statement by do hied statement dealing dam, tit rid
not do m for to poevlou s mamh Urpod troupe charges
am added m air appt??
t Fa j each ach of gar .
c. aerrkreen Faherhr tlrsga NhMq parted dod dot
s mou t from to X0.50 ont * n as and the diffew will be
burl to the pudrm segment Of Vow acwtM
ve to
t d. Teruparay Radrd en In Finer m Charge. We remo
right to nett6asam any W of lirones dwpas for any Biwa
2. Awsgsq = Woe furtive Now rVdwssl.
a. R- we tiara is calulated 6v mdtdMm to daily
of
we
we
=of gar ?tak?o de beplnWng
r each aagiitertt and add any now travesties
aro is tnaaa Wrpa WdMtod on to previous
ma for that agreed. We tun subtract my
or ersdu pored as of that day tat am allocated
Imam This pima w the separate daily balece
eginart of you' aooouht. However, N yea the
has elhowh m gar prsvias eatemah[ In (a
balance was zmo or a malt amount), row
the aye in am anetyyhaiqryW. To eeodw your wud the daily pechoagro'ia m and uftlp W ter ? of 1. the 6 0
period. Due o roMrq on a dally IsYa, dtMmM maybe e
ought vaddence betwomi this Calculation and the amour of
b. It tie atls 7 or N ppoaw m mho from of trice matmnon
roam 9date Rae AppNd TO?wo mudply Ce Nv
bd^dnq Ware of aarh seginern am ay, aaa any -
tea"dwN te mrh ant, and red aroa
or trade. at the cede N appatn m V. 1mm of Wa
aatemmd ned m'aWnee Role To; moo aim
wmma arty uipeid firharhoe dupe tithe Islaroe
of "Ch monad.) This dvaa us the daily haiaroe of each
rammmr or Gs s in the nary pemo. Ime gives w fro
averag? tloty balehca dIAPeaRt.h -gram".
3. Arced MeaYye 11mr
a. The term 'the from Annul pewemage Rate' may appear as
'APR' on of tea atatamanl
b. If the code P !Primal, L (3-me. UDOR), C (Certificate of
from
Deposit), mn (nom Is Bank card pro oappears c, the "d
this ter
rata and ?aspgNr? ANNUAL PFACB(rA(iE MTES
may wry queue ready and may ineram or deeraa Gaea
m the tuned rmdoaa. apfraevce in The watl zVot
Joumai, Them dP? the vhw 6reefectlw m disclosed 10
Y yam
IiM4q Padod aownd M, Pedodo summon sting
lo de mmalr JrerN, Apg Jaiy anti October.
e. If tiros eta D prktr), F (1rno. LIDOR) err 6 (3•mo.
ODOR Repriced h1adNN steam an the from of
d yea
atemamled to thr adede ma W. dw badodo rat"
ire Moult pre"ry asusamo to you. h ram ammgea
mom be of - m to amt day of Yam eNisg period
Vast
4. A maw LW, Oiwiudt eal Raenod PWmwt Fwd.
Hoed here that occas dhrrp mW bluing peded. Unto r the -
tams of yw amwner apaanan, we mourive the =110.
Waive OF let te Nana are lace YdthmomR notlw l waivbq w right to aromas same or ohm.,
s at ¦ ma Mr.
6. Yam Aewrat. If a n..*eraldp fee
71=41.h6=0t trice datemem, you Mw 30
such wa era to You to
avoid paylnp the your fes Aa to haw to haw su:h mss emdted to you
If you goo cancel You cearht Duhnrh0lNs p•riad, you may
tadmna to tae your.11111 welhat having W pay to
mamMnsldp 1N. To ca ical your account, yea mum
ratify to by caging our Custom Ralatlae Department
and y eisvr Baiate' In M (m duoli g the
mamb rap tN) prior to Us eM of do thl"Y padw
8. N Ya" "a" Yee Assert Vau ee rerpew m der
yyoaur aeewht by edlop cur Crmarr Ralatlorr
Dpanmad. Ya must dummy par cmdt card(s) and
acceed sera drelu, canal Al prea silocdied bump,
and tar u"W account. If you do net cartel
preauthodred mmosmordsra
tsI oopaenWpMfur
recelpt of a chime y aahod on to
status. AddtleWy, Vat Measure wM mat ba elNed
until you pay ail immortal you ows u Includbmp: my
varos2 Ya totorw eutradzed, ==r
rive is, ewdisdt , rerr- erred to Y eo-? tar -d arhyr ollrr ter eaeesed to w
axud. Y. em reaparrde far t~- emoaae weather
to to
dayy On==1 n the tbas Ysu request
d.. toro untrtred subsequent to
Your roghnNt m do" to account. This may may result how in
Cr Mrpea ??ppppppalblp m Yet eYGml aNtr y0Y few
rld.w r M N,rw,l nr fM rrmNm ni
If you awertred a purchase from a merdwa and we
recdw the transaction from the merdure after your
accourt has boat dosed, Your *comot WN be rwpm
the rrmunt of the dsrgo AN Im added to your eacemd,
adym We be regards for payment. If taro is e
menhharddp fee for gar arrant :the fee w0 ca drum
m b dsrmd ro ds omn pemstmd y law, vd4 As
atraurt bdrra Imo lover Paid ot M erbe dohsd above.
7. ?Y Yau Asud. with cad «aoeam be
arp
uOOdhltrhecrlon with any kremat gambling
transactions.
S. [odes Abort Dleatrarte Claret CarMreiw Vylhonh you
greeds a duck m payment, yea +uhalr w slurs m
t
w u ormadon }mm gar your m make • or to
electrode Mped tnarha fpm m gar bank a?" or
Led, rmatlon hem your efrek to masks m alxtmde
ltnd trader, Ards may be wdtdrawnl from your balk
account as scam a the Wits day wo receive your
ymd =?_ hot receive your dsek beck from
SIWNO PRWM SUMMARY
(In Gm Of rase Or Cluesdere About Yar &N)
11 = thMk yo r hill is vrrmq, or If you noel more
Inbmatm On a trarmtm a bill, mods to a m t
sheort as sman as Erma shown an to trad?s atita$W"A. We norm
hear t a you ro later than 80 ddaays after we Wr you the
fird to moor a pcat w Cwrmw Reladona nurta, but doing as Will not
Bite-rmaterx gar moms aM ascend ntnibsr, 11r ddW
amount of the suspected ener, • damaptm of to error
ad an eplaatial, It paadlN, of gnu believe them is
at oat; or if you need mow Intnm s deacdpdm of
tine hen you are sew about. You do not hew to pay my
amount In qusediat vide we are h, but you
are .0 aagamd to pry On pare .1 V." aro nun
whila
M ghsalon. mite 4msSmte ycur awetla4 we earrpt
report you " ddnpan err u ere • to coped 1M
eriherem you qurtlerh.
i,t Spedd Ikde For Credt Card Purchases
If you haw • problem with tr quality of property or
savida 1Nt you wetm a dealt cab and you
lain to ceneol to pwblaorn with ft
have iMd in
merchano, You
pernalni amount an an they have t ? to services. pay have W ry
60.00 aM tM putlsa made in = = sate a
vNtlin 1001raia of your maNrmg address. Of we owe or
agate *00. miles or H we mated you the
advadsomem ter the er so
or location = it of purchases
Wes rmmair to sign
t Dot na JAPY to CARS MW hDaWOdh Cad MC04 S
I Doe not appy to besmear nun croc t cant accoants
Cmilal One ro"ore Information privacy protection: see w
• a www. = .red Orha is a ry =.red service mark of Capital
12632S
Irnpetst NoUoe: Yw paynwm WN a credtw to arxahri[ a of tM aro• vw naive h, proNdad yw •sd tlhs beaten portion of tN• estemrnt and yw Yuck M the endw•d
radtteta wwdap, amt Yaur WWymam A ncdwd In w proG•Nnp Gm•r by 3 p.m. P?ytNnnr aadrsW m our VlpBda or Oapla ProGwYq owda wum a moNwa m a btsbess ay
M 3:00 P m. Er. Paymwna addressed m err WsaNrgem pmaakhq carter ram M nGiwd an • hutekr• dry by 3:00 pm. PT. PI•a• allow m NM 1w (5) Waew cep is P•m+t
dWwN• Papheaa moMwtl by w at try ah•r IocaOm a In aster Tom may ? b• a•dtW is WN days w• rewiw Omen. Qr bursa cap am Maday trough SawtdaY. •Ndutimp
IhdWeya Pteaa do tiro uN st?1w, ppe rip ate. wtmen ProWMg War MYmak ?? you •ad u a deek/d, yw ahalhortte w m mob a ma4ma decthteic trneter da6h Nom yw
bank atxwn for the amaag of the deck Tilt aWptzatlan appea m ail deco moMwd Mkho 1M.bOgrq cpA •vm N Wn by san•ane der. I} wl Gam grata- Os iresNr. you
arrdpri:e a m mob a derga aperst your bards aoomru[ rsrmp 1M duaYk, • paper 6aN a otlrr ban
Capita/One
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
• Employers check credit references before hiring new people.
• Banks and leasing companies often base the interest rate they offer you on your credit rating.
• Achieving life goals such as buying a new car or owning your own home are facilitated by good credit.
• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
O 2003 Capital One Services. Inc. Capital One is a federally registered service mark All rights reserved.
002.0803
Account S
Previous Balance $474.10
Payments, Credits and Adpvtments $.00
Transactions $57.68
Finance Charges $8.21
New Balance $539.99
Minimum Amount Due $39.99
Payment Due Date May 15, 2004
unt
MAR 16 - APR 15, 2004
Page 1 of 1
Payments, Credits and Adjustments
Your scheduled payment has not been received. Please remit the amount due appearing on this s mincm. If
you have already made your payment, please accept our thanks.
Transactions
1 o3 APR BLOCKBUSTER VIDEO #902 CARLISLE PA
2 15 APR PAST DUE FEE
3 15 APR PAYMENT PROTECTION i-888-527-6904
$24.24
29.00
4.44
Total Credit lane $500
Total Available Credit $.00 You were amened a past due fee of $29.00 on 04115/2004 because your minimurn payment was not
Credit Line for Cash $500 received by the due date of 04/15/2004. To avoid this fee in the future, we recommend that you
Available Credit for Cash S.00 allow at leant 7 business days for your payment to reach Capital One.
Atyotuservice
To an Cuatemer R&tkm or to report aloe[ or st len c"-
1-800-955-7070
Iwr flee enline aeeeusn series and epeenl autemer .Sere, kg en te:
rrww.apihloneoom
Send payment. to: Send inquirin t«
Attn: Remittance Procosing
Capital One Services C.*d one Services
P.O. Box 85147 P.O. Box OSOI S
Richmond, VA 23276 Richmond, VA 23285-5015
Finance Charges Pimmwrmffmndeforimporteatice,jrnat wn
? Bdamxetuh Perris Cen»eslar ?1.j?1 `?'
_
?, .yfCrlAr l,nttxlib
your AP
N PURCHASES {488.17 .05425% 19.80% 88.21
CASH 8.00 .05425% 19.80% 6.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
002
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 15 0539990150000039997
New Balance $539.99
Minimum Amount Due $39.99
Payment Due Due May 15, 2004
Total enclosed $
Account Number. 4862-3623-2057-3515
Capital One Bank
PO. Box 85147 Itlnluslln?lnl?ssl
Richmond, VA 23276
?a?Jullnhldlndhllul?nd?nd?nJ?uhl?ud?uJlud
Pka,rprJ.rmeifaw a--eelae-rruilr6.r?vLdwr--TM. -Mk -11,
Stray Apt a
Cary S.. ZIP
Home Phan Altemaa Phome
0
Em.uAdd-
#9010745608401518# MAIL ID NUMBER
MANDI MILLER r
v 177 OAKHILL RD 1
CARLISLE PA 17013-8929
N
° ??•S ?uhlllutlllnun??trl?rlnlrls?nultllslnlsnl?nrlrlln?
Pkare vaviteyoar account nwnber on yore dyed or money ordcv made payable to Capita! One 11-Aa.d anon in the Barked mwj'ooe
Financial difficutti s? ? at
?
We can help! Wftft'%yWff
Your account is over
3o days past due.
• Good credit can be important for getting an
apartment, a cell phone or even a job.
• To avoid risk to your credit rating, call
1-800-955-66oo to use our free Check
by Phone service.
• If you prefer, simply use the payment
coupon below.
• If you have online account access, log on to your
account and pay now at www.capitalone.com.
The purpose of this letter is to collect a debt. Any information obtained Will be used for that purpose. a t-aa
m 2004 Capital One Services. Inc. Capital One is a federally registered service mark. All rights reserved.
cal ?; ?
Account S
Previous Balance $539.99
Payments, Credits and Adjustments S.00
Tnnsactiona $106.84
Finance Charges $10.02
New Balance $656.85
Minimum Amount Due $156.85
Payment Due Date June 15, 2004
Total Credit Line $SW
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
Atyourservice
To call Ca nomer Relations a to report a lost or stolm ark
1-800-955-7070
For free online aoeotun servios sod spend astomer o&n, log on te:
w .mpiWonccom
Send paym.u to:
Attn: Ranitwra Proossing
Capail One Service
P.O. Bea 95147
Richmond, VA 21276
Send ingaida to:
Carhd Oat Savien
P.O. Eoa 95015
Richmond, VA 23295-5015
PLATINUM VISA ACCOUNT APR 16 - MAY 15, 2004
4862-3623-2057-3515 Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 16 APR OVERLIMIT FEE $29.00
2 17 APR BLOCKBUSTER VIDEO #r902 CARLISLE PA 43.39
3 15 MAY PAST DUE FEE 29.00
4 15 MAY PAYMENT PROTECTION 1-888-527-69o4 5.45
You were messed a past due fee of $29.00 on 05/15/2004 because your minimum payment was not
received by the due date of 05/15/2004. 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 Pleaern r^wnrriAr* im"1aet in)k matios
Adnrcc & A';. Cornrysalwg ?.jmla
opfrwdro rw, APR l:I1R1C
PURCHASES $615.75 .0542511 19.9m $10.02
CASH $.00 .05425% 19.90% S.00
ANNUAL PERCENTAGE RATE applied this period
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 15 0656850150000156853
New Balance $656.85
Minimum Amount Due $156.85
Payment Due Date June 15, 2004
Total enclosed $
Account Number. 4862-3623-20574515
9rmt
19.80%
aty state ZIP
Home Phone Altemaw Phone
•
E-11 Address
#9013745608401515# MAIL ID NUMBER
Capital One Bank M7 DI MIL L RD
ER
P.O. Box 85147 177 lulurllrllulurll
Richmond, VA 23276 u CARLISLE PA 17013-8929
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hal NIMS tr YOU pa yrovotn' odd gRJnaan and new oCer
awe r(i}u vNdpi the Nhportrk f?osNofor psjmwxs below,
:rd in [inns for k m be credimd by ysr rota statement
sd dmY irmrfsrs. N add d-, Nome 1. ro ¢sm period
an sty Irarr.aiort R yes de rte pay the toed •rJow
b. A-rdrq FNmes Mersa. Traroscidr Wddh am rot
fmm the d?u of?tha?ir?edona?IrryaO?tlr N?ts?dhte)
trrrobrion Is Processed to You Mastro or 3) from the
Grt cslordar day of the amen bNRp period, Adddmolly,
If you rid not pay the 'Now Become tron the WwAous
bip period N f lb lrr t.Mn co dram to accns to
yam uV ld bdw- udl der coo id bdrom b paid N hM.
This memo [lot you msy edN owe hnnc?s tlherpes, svan If
you pay the lairs New Balartw ktdreted m the fiat of
ytmr satarners by dha Ira swenterx deakW rims but rid
Ihet m m fpm Ihe prevBtrs = lh. irorre dhorges
tc.
osance at each felplalm aam day, am arty new
1 to each ee?hwh and cleared rqfwvmorw
a brad[., fk the code N appear an the frmi of We
staternmt rem m'DNance Rau //??ppgppNe?d To: tw also
s birac my uVaid [Nance Uharge krArdod N the balrse
of each aN.-C) Tree gives W the dally baWhce of each
aegm Than, rw add aN the dryy balances for eadh
eopnan for the and dvlde by the Mal
marl- of days in the period TNa gl- u the
dayy beNnee of each soprn.
3. Amhraprssepe ? Ragas IAPR1.
A. The tam'AnMW Percentage Rate may appear as
APR' an the front of INs statereen .
b. If the code P Pilots), L (3-moo. UDDR), C 1Grdicme of
Depodt), or S (Drhkcard PMo) appears an the from of
1WS aiatalmrn roe m mho pedodk UNION, the edodc
Ines aro spor ANNUAL PENCBITA
sryinW Ndce M MTFS
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III the P h Covered WAypp Y erd0hp
e. If de code D 1PrimU, F (1Mio. IJSOM co. 0-mo.
Mamaatr If It hes already been dosed For -pls.
aWed-d a p dwss from a meidtmt sd too
recelve the tnrrlMon flan the me0don afmr your
.bean[ hm been daeed, me semra .0 be reopored,
the sman of do clorip VM be added to ysr omsam,
Wyau tvi be reRorksM for psymerc If taro is a
r0hetraedep hn Nor Vow ammo[, do fee vM comWr
m M dhardW, m ribs 030101 pomdkW by cow, wo the
o0nwt b?rtos Ito been Paid N M as rbMed storm.
7. tlsity Yee A-LY" hard or ac-ra Groot be
usd h cord-don wbh shy bran. VambMr g
trahra d-
S. - .. Abort Flaekar * Ch..k Qamrerdsn. What you
pmvlde a dock as payment, you audsrlae r alder to
the Nfooadon from[ yes drek to make a cowdme
decoorie hid tnrolar from ysu bade grant or to
p0aues tls Ymrs as a cock ttroocNn. When we
ktbmration
from Veto cheek to make an electronic
may be Mdhdmwn from Veto bark
seemat r nom as to -ame day we raeWS yyaamr
fYrodal krda0tlo0t. mceiw your dock Wck from
BIWND RNWTS SUMMARY
(N Can Of Enas Or Quests Abed Yam 11110
it you tNNc your bill Is wring, «N you reed more
irdorrm I m a iraraaaticn at bel, writs to a m a
sap-rom aloat r soon as posalble at the address i«
lrophlos ahowu an the from of rids simmers. We must
hear from you m later than BO dda.ysys afar wa sent yotr the
inn bill m Wddh the ==, b appeaYan
ball err Customer Adbut ddrp r wN rat
praYrw Your dglst M rat latter, rite u the k kr.*v
Inlsntatrc you nrhe and abeam taml r, the ddlar
amass m the suspected area, aofd Weesry edpd*n of the orror
aM m art eVanailm, R palmbmst(sp you bellow lthem
an error or o If If You u reed anon • dowypdmm of
from you are uses about. role do not haw to par my
ancoon N rponim vise the ,era It, lan are you
he .0 obNOaed to par the pens of yam bY(Wt am not
M WM. we ktw .%to y-=WOrt, we cave[
t y « uL airy se to e.N..t the
i,t Spedal Res For Cradi Card Purcluses
If You hew a problem vkM the quaitV of property or
sorNas 71st you ptodused hdlh a cedt card and you
low tried N good lefNh to 0mtndt the proW n W lh me
momhmt, ym may low de dad not m pal the making
amass due o the pmgrry OF o"ces. You hew INs
protacden oNy tNOn the purdtrs pies was me tMn
460.00 and 1(e padose was made 4r yo« hone trials or
wiWn 100 miles at Your rndbp addrost (i1 too overt or
operate the mardtsm, or if we maNad yes the
adwrdsomas for the property or MOUicos all pudo
ate cewted rpardar oT.mein a iorAl- Of puehar.)
FIGes rmhrnbet to aiph aN conapadmcs.
t Dots oaf eAdy to mnwmr Osa- racy reM accounts
44 Does Iwo apply to baabross a-wa * card abysm[.
wabalta V*Waprt?kaadl?oa00h?malm pdvacy proecdon: tree our
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IkoeOte tlorpe M yam aueoult. To get eo dalM bdrna cm*m to tas you aecant Wilson hs%" to pay the
fa sedh agrhan of you.gears, vw rob der bsdrWrs mmoetahb be. To canal veu sweac wti mtm
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t- you pal o .11 snafus yea owe ro N dwro arty
rdM fees, you haw .,make. /kwoe n dogma, pen
due far, ewrimk toes, rswrod d foam , cash
advance lea are any ether tees ereuomms mm yov
1..001. You are tepo0dbia IN iota memo tahedhor
=A=F o Voter acco m at the lmo you repast to
Osman or they am Neorod obsewent to
yes ragAm to rise the accot". TMs may reads N
wryea p?eadnp an yca arxohnt aHe?ycu haw ^
m dot np so TNs yes u dwt mpoim that an alocated
for each ae(yrtan of yam accosm Nowewr, if you geld t)e
Now Balers down o you prevlar stammert h fur (or
If yam row boWhce war; tam «a bract smart), new
trrawdor a vA*h pa[ to yam purchase a special
purtlose --groats am het added m the dally balances. We
ablate do avernp d?sBy_b-Wes by WAV W tva dory
6eles and avlarhg the wan by the mnih« of
days In of
the m N the .rem bUkhp cydt T. oalaYm yoke tad
IYt dvrge, rrt?ly You avauge dolly bsNrhes by the
:="-" e roe rtl by tls nnWer of drys N the bNlrq
m .. m a MY buds, dam may be a
dpt wrirre bmw m do cdclistion W the amarr of
Mrhce many -CILMNY aa
b. If Ifs code Z or Nalpoamn Im from of W- naranom
to 'Belare Rau ApplV To: ws mWdply tlr
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N the enc?lotred rs0dttarru amalop rd (Z) yoke gydtmt Is reached N w pxeadm gamer by 3µm. ET (12 Ism p1') Prase abw at Nan fw 16) btd0ass days for pad ddwry.
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PNaes do ran w suplw piper d etc. who rNg p When end w a dteckW, Yea auUhdze w to rrots a -rhrMte eleCml-IdC trarofar dahk ham tee bWk
w tb Orrlnmke clef ?agalrot a0p-t ? ?d?dlf h?p?dha? ? b®IIQ Cycle ewrh It MIl by falleaa elm. I} we Gmel pr-Gai der traa(ar, Veal aWed2a
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® 2003 Capital One Services, Inc. Capital One Is a federally registered service mark. All rights reserved.
002
00240SM
Aecotlnt S
Previous Balance $656.85
Payments, Credits and Adjustments $60.00
Transactions $34.57
Finance Charges $11.22
New Balance $642.64
Minimum Amount Due $142.64
Payment Due Date July 15, 2004
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash COO
At your service
To can customer RAstions or to report a Imt or stake cask
1-800-955-7070
Forfree online aoeount urviae and special mutomer o9en, log en to:
sn Fifalonccom
Send Payments to: Send inquiries to.
Att.: Remittim Processing
Capital One Serrim Capital Out SWAM
P.O. Bas 85147 P.O. I- 85015
Richmond, VA 23176 Richmond, VA 23285-5015
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
MAY 16 - JUN 15, 2004
Page 1 of 1
Payments, Credits and Adjustments
1 04 JUN DIRECT DEBIT PAYMENT $60.00-
Transactions
2 17 MAY OVERLIMIT FEE
3 15 JUN PAYMENT PROTECTION 1-888-527-6904
$29.00
5.57
Finance Charpea Pkarem rearneride,)br imfortani siafori
w on
6 n
pffil& `- I ems
Ird
PURCHASES $667.21 .05425% 19.80% $11.22
CASH $.00 .05425% 19.90% $.00
ANNUAL PERCENTAGE RATE applied this peiod 19.80%
? PLEASE RETURN PORTION BELOW WITH PAYMENT
capi 0000000 0 4862362320573515 15 0642640060000142646
New Balance $642.64
Minimum Amount Due $142.64
Payment Due Date July 1S, 2004
Total enclosed t
AeoountNumber: 4862-3623-2057-3515
Capital One Bank
P.O. Box 85147 11111 111111111 11111111
Richmond, VA 23276
VIII III IIIII 1111111111111111111111111111111
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Pleaer, r%Waar biyaJha mrd/ore-mailydaa$rrkl-mmtAl-wW.A-L
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C #9016845608401510#MAIL ID NUMBER
MANDI MILLER
m 177 OAKHILL RD
n CARLISLE PA 17013-8929
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Pleas urireyow a mr number on yoic dKCk or Meng order madepayabk Jo CapkalOae Bank and mail in The endwed m"mA fe.
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Memo alrpa on row Purchases, row
mw epode) padteses end row odor
Ntportam MotkroWforpeymams blow.
rdusWepodd rah =dam h - be -W
on. any trareaction If you do not pay to to.W=P
b. Alaatrq fkvus- tlsg,. Transadldr rdulch aro rot
from 4 of ifs- fron Srtla dNe?dal
tmaeetion IS pweerod m Your Aceasrt a 3) from ds
Bret mlerder day of the errant bMVftrn dpo dad. AdId...1y,
if_pu rid not pay ths -Now S,Irne a imerriar
brarp pnbd N fW, tkrns ehsryas canine m aeenw m
your upNd Warroe umY da utpakl W Wtce b pYd N M.
Thin msus dot you may atlf owe larlrtee dupe., even if
you ply the craw 1= BaWSe ured en the front of
. 15d
noc do Vu p OW" mead, UP"M *Manm n3srye-
tepnarp enarae of eedr == day, am any now
or redln to -aril ae?nad Yry plymdna
«eredta (I1 rite aMS N ap . on Ar had of 1Na
aaternont "td to Datum Raw To: wa aim
a11lroR ally llpeld fnrtce drelg- N lhs bab11C0
of cad, aoQnem,) TN- Iva u rite daily wlarrbo of -,eh
aopnem. Thml, wo am up ad Vie daily baker a for each
Hpnan 1d tM b"I period and l by Sue total
n.rrMr of dry, in da biarrp period Tlrb gives r tee
average dally wiser-e o1 a..h l.W-t.
3. AonrW Mlyd,g! Russ IAPR1.
,. The arm 'Aonud Parser"" Rata' may appear as
APR' on tho from of We surtemam.
b. n the code P IPdmol, L 13tna LIDON), C %111 ate of
DapaW1, «S IOrdua?rd Part Pppsare on dr from of
INS statement nett m to pMotie nuaiN, to oelbdcFS
rates and9wR Cry kn.L ANMIUAL PfACBfTAO MT
may lorry «asesaes weed
on the ,tared krACH, H loud N TM yytl37resr
of you authodzed a padrao from a mordwnt and wo
recotw" tronaacelon from duo mordant after your
sor,sa h bean doled, =b' cmut nrip 6 reoparod,
1hs amoutt of dr dsrpa o added m gar omaum,
and yyoaut vdf bo resporleihM for Payment. If them Is e
rrtrn6oMtip lee for yaw a-eeram,.drb fee vde eomlrmxe
to be darpod, m du mddd pormtmd by low, until ft
-abut D?rws Iw aeon pMd N =P= -bow.
7. Udv Your Aanaal.Yau and a bo
used I. oar-don w1 h arty -mane[ gu burro
8. Mail- Abet B.See it Cheek Cwrva-bn. What you
provide P dr1e1[ H taYrrrertl,War m
u,e Nbnrradat ban ye r OX=*
ebetrodc fund transfer :: from Your bw& mmo nt or I
P?N
uef "don fmm ? d=ock m
had tmahr, ftade may be vAdrtraym ban Your brtit
Pcrsut memoriam ths area dry wa nmiw our
payr"n, Prod you wrl rot racdw gar deck bade from
your M1rrdY krsdoriorr.
to.
amwm from tA.MaH6 ?mYi m.50:,a tls dw?rrtns?R ? w
=W1 rPulse- -= frgPoratam.
t d Rlufrrallen a Fkrwe e-. Wa reactor tw
right mparoitt -areas any «YI Munro dupes for any dwn
2. A en. WYy Ralawa IlnakW New Pirelwrl.
a. Finance drew- Is calculated by mul Wylnd ft defy
..bagel, per Sr- maple alviouly daio-sd m you
These row w rReetl m ds tut d1Y o1 your
bRkq cowrod by You pedede Summrs -rang
N the months Jrmsry, App, July aM October.
c. If w code 0 (Pans). F Ili". L1EOPo «0 (3tn.
u6OR Repnloed M=tO sppssiasan IM from of your
satrlarm ran 0 dra soda
and oaroepartNrg AMNUAL PBICBd?AGE TO may
muted Ndoes, H fared, Wme deommism basset -t.
is syrw ?orsneL Pks
rite
wW be Orlcliw derft rd" a on it. tra fat t day m Of gait. gar TMr MOM pdNW
lod morilk
4. Aamrra of Lan, Over" -ltd Returned hMort fees
Your account vrif be areseed no mom Ihm two of tM bee
sal hsw thst -ear dl arty WM period. -..P.
tams of gar wnamer apreemar, vw Isrvs wUw « asst m ours any ter =&W
11-1lan t-
yyoouu w11MU vralNrrp our right m same or -)mils
fesm a • amt tYH.
to you to
lad le you
YOU MY
t Pay the
must
8. M You Close Yar A-wat You tan nlrPrsat to does
gyaarr ,xou,m by caMlp eu C1alaner iMadarr
Uepartman. You rout astray your nreAt nrGzed U and
oeeoratt aecees drsdre, canal of pneuMd Win.,
and Her gar aeeaum. II you do
, vac wA casld rot canaler
preaurhsdzal menponmu
reeNpt of a dtarge gar Aft adn0on to I" am
s-cotta. AddlSondY. yon o--elan wp not be doood
un31 Y'ere was d anrtsum, you ewe r krArdYq anV
uPnaeSar you hsw atUnrized, irrartee doges, pan
duo bas, owNntit teas, rattarnd peymser tees, esrfu
adorn- tees Pm rW etlr tess ,--eased m Your
aecatrm. Yau an reapaWMa dr riot -)noun- vunSs
Nei appear on your aetrola3 m tlne Sons you rsgldm to
ear tM aeeasm « they sro Ineurrod arbro}sm m
=F=to dot the OCCOU L TWO may reap N
ad- on your -1 aft. veu hew
WILING RKYITS SUMMARY
(N Cam Of ram OF Qtwdau About Your BW
I1 you t ka your bi b wtonp, « H you need rrrra
inbro.am on a vanaeedon «bM, write to
u on
a-parMe tTIMI H teal) H pa-t$le ,l ale "*-W 1«
Ngtidr -lover on ds earl o11Ne :="
utarrm. We mum
loot Iran Yeu n leser Son fq days ih« we cad you the
for` hi O ea eh tsl amt « Padden appesnd Vw un
eat a« Crrbrrta Rebtidr taatba, b1r1 ddnp H vvli not
pa,srw tar difrta N tar btasf, dw r eM blbwkup
Nlormm{ac yeur turn- and ,cocoa rrumwr, to
ddi.r
amaM of the erapaowd error, , do,edptlm of to error
PM n aparador4 n Paeedb, of WWWry you beWre dale b
on amt or If you ned mow No?nMm, a tbeedptlon of
Se ham you =:- . You m no, hew m pay try
onra-m N 5rvisa vro -ass imrdpsdrq n, brrt you
ro adi abYwted to pay the pens o/ you_ 0blflfr "I us not
In peadoa= we Y?veWpu your gw,Yon, we cannot
,apart you ore deWngr m er lesa ry -On to eodmt 1M
amour you question.
S,t Spode! Rule nor Crack Card Purchases
If you have a problem Ydth d1;%=== preperry «
serNoWin gout/NIh coon rd gnu
haw m mare probbm WN ths
marofrrn, you mayplMoproamtM dyd nor to p
You ay ho r #ft
protaedon eNony wlron eft ypuel-ro pIpNvwa mow San
060.00 and tM podr-as wee ad- yarn Mme auto or
=O 0 ragas e1 ywr maskq anldrl--. 11f vrre own «
da memhan, «M ura mailed You da
adwNarnrm W 1M «asnteas all purdars
Pro covered remember erdast of amaM «rslu . Of Plmdar.)
Plume as to sign all abaspardeneo.
t Does nail apply to consumer non-uadM rod accou is
i Does not apply to busheso nonmed( card "cows
One supports ImomuSat privacy pnRection: ass out
i at www. cam.
0" f- • My wdeured HMa mark of Capital
? 1 Corporatkn A? dglrte reserved. - 2003
Ne bMp oabd, we apply tls psdoAe won far Hat
-,pryer o1 your atxnert m tM Ware- or -ads
asgnrem. Then at to and of to pond, w! add up
the he of tfaas nlotdaMare m amw at gar
ped. ==;:1 r arc .V.. hs mW ptlsrlode?
for gar rsaar. To got the do bYrtce
for Hat -gram of your mcMM we take tM bog7nWq
hllrtr M aeon aspnram rd add rqr row bussed"
and ony?lodc Nrerns drorps uaineaad on dr pwNar
days for Net seprwr. Ws amen -uhaa-t any
ne Ass asA:. Th= um sap a do/y W-rcs
f« och asprtam of Your rastua lbwever, If you do
!bus Saba" Jim on gar pnMou ramrart N (er
If your row balermo was zero or a eadt amount), now
tl0rase10" tAdidl 1: to gar, p+drus or
fpedd
pudsr rp"rma aw royc?npwrldod. smm? ths dolly balsttce-. Wo
babrroel mgodrer anddvia nSit the dai
umber of
tM mya N No currant biting rryaae. To -)orison gar told
Meynrpesdtl?a eNO. ybyWur Pwwtp dasy Ddorru by Sa
poMd Due to tae - rani g Nsn nresy be s?
dam vadrWsnnpss betwazn 00 nledodon and ths emm m of
b. Rune Z r-ry.sse.ssa.
If eM cods Z « N appose on tM tram Sda statanem
nark m -Waco Rau rippled ro; we m urply tM
13779M
i
PaymenPbaes r atop)" paper dlkq etc. orlon prpaq yVlsn you card w a dtrkW, You atllhaize u m mob a gns-tlme ebcvoie barter Oebll iron your D+Nc
w tea mats large agdnt your bade aQ«rn uNrgNea d ktoi paper bahwa odic hemp awn i1 scot by saneon aM. II ors comet Prooe-e Sa valet, yw audsdze
ff
027
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027.0402
Gawm - PLATINUM VISA ACCOUNT JUN 16 - JUL 15, 2004
4862-3623-2057-3515 Pap 1 of 1
Account Summary Payments, Credin and Adjustments
Previous Balance $642.64 1 to JUL DIRECT DEBIT PAYMENT $50.00
Payments, Credits and Adjustments $50.00
Transactions $527 Transactions
Finance Charges $10.38
2 15 JUL PAYMENT PROTECTION 1-888-527-6904 $527
New Balance $60829
Minimum Amount Due 510829
Payment Due Diu August 14, 2004
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your vervict
To eau Cuounwer Re .6- or to xport a It w .Ow
oud:
1-800-955-7070
For free online wma t atrrioe and /penal autemer o&n, log on to
--pit-lone.-
Send prymenta to Send inquirin to:
Attn: Remitlaace Piocn:mg
Capital One Semen Capital One Services
P.O. B. $5147 P.O. D. 85015 -
Ridlmond,VA23276 RIdInood, VA 23285-5015
Finance Chatges PkaareJK uverre rrdefir nmpertant information
Bda.aMt i
r
r/ Cam'
pt
,?aPdlo rA
*
fAt /ll'R
PURCHASES $617.70
CASH 6.00 .05425% 19.80% $io.38
.05425% 19.80% 8.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 15 0608290050000108290
New Balance $608.29
Minimum Amount Due $108.29
Payment Due Date August 14, 2004
Total enclosed $
Account Number. 4862-3623-2057-3515
Capital One Bank
P.O. Box 85147 111uu1111u1t11u111
Richmond, VA 23275
11 [111111 11111111111111 loll loll 111111 1111111111111111111111 11
Plemrprortawif,.gadJnrr? e-.reilr6.yer kbuo ai.rklwa Manhi.L
Shat Apt 4
My S.ee ZIP
Home Phone Ala Ph..
#9019845608401517# MAIL ID NUMBER
MANDI MILLER
,o 177 OABHILL RD
881t? CARLISLE PA 17013-8929
a
111111111111111111111111loll 1111111111111111111111111111111111
Plwe write yovr account number m yow dwh of rmoney order madejo"ble to Capitd Ow Bani and mil in the endured envelops
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E-mail address:???????????????????????????????
PkoseprintdeadylnblockablueInk Nouroddm-u5 Wdincludean *"slynendwonacontab,anyW[mkspa-At"shouldhowfisownsyaee.
Name: Account #: I
Your privacy is protected at Capital One. You can feel secure knowing your e•mall address Will never be sold or distributed without your consent.
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Ce002 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved.
V?
?a
G
assesses!
r-esso
saga
?mm
i
g
0
0 n
a. 0- Palled. You will haw a n"- grace paced o1
25 day widest Ewes doge on rrw purdraea, row
Vwwbml now special pur
charges danco?writh y your toed 'Now the porten
tly'
b. Aowulm FMranee (Raga. Tmreoedae wMdh an ns
fttlomdaq fetlhe tmaadlon--afmm the drt I
yrr T. Wlrr?e uea ire WpYd balance kz paid in M.
ThM msrr drt you mry pal owe lkwoo 02%. if
ou pay rho and10 New BsWhu h6uad an t of
your statement by the rote saco mots dwkhg dam, but did
nee do so for the prsvlew most. tlrpeW Ononce derlp.
am added a the app+nh1e eminent of yes Atsernt.
t c. Mibnrm FMee (arg0. Per each Mkq Period thn
your WROM"C N rtbkcr E to e Il.60 will Cary, a rnYi if
teal NAIICE o! 40.60 Wpkanpoaad. Nyrahuo
pMO?>I M. 'a.'o'Or??o 60,"wt' who ti11vnbrzea tlrtr
smart from the 40.60 tctinmm and the difference will be
halos to the pudrr egtw? M aacaae.
t d Taeparry 1lairerMh in ikrnse Ohrye. We leases tlo
dead topMroredeeeeaa any a as theses dargse nor rhy picas
2. Awaaga May aaymae IaWrir tales Fralaeaat.
a Finance came is calculated rw sWieJm fib derv
we add by
rM.ce and new ether
errant Notlw??tanerlta blow,
Them M roro Roos psrk?m nsA eMerms
crarrM ? In addidon, tram b ro grace Paled
You pall the teal 'Now
seam PoMd s of trot day tat an a+ocotod
hrs. Till O l- sap.- deay IrpMahWeo
iax m our PmNaa oteta?wd 1. hM (arro
balance woo 1010 Of . credit amours, now,
wNch poet to your padhpa or special
tpllaea am rot added in do daily balances. wo
e awra(p
dol
b%bld
by adiLnp all tfte rally
)ether and.dit10 aan byte serer of
the earmre bN" eye%. To calculate your teal
W, your average a.ry belonce b m.
e rote and the nunhbor or day h rho biarg
tea _ old tenornrar of y b*
p belhaaarh oalrl0t
b. If the code Yes N apposes an the bat of Ws satanent
r10a'to'6alene10 fLto Aq/pd To: wa mulripiy the
awrace daav b.lam o(orlh aearvh[ W .. mthly
14306M
teka to
V. add env row
a credits. (11 the code N apposes on to item of the
statement neat to 'Balance Rata Amaed Ta," wo aim
attract any urged finance charge Fairtlod In to bells
of each sonmt.) This gives us to dally believes of each
Than;; idl oriot ? and a by the for each
mneer of do" in rho b+lkrg peded TN. Biwa w the
a?a NYy bMrhw of each segment.
3. An:=?areahbga Mf a IAPRL
e. The term 'Arr.ral Paramaoa Res W' may appear as
Mir on the host e1 tda slltemYm.
b. 11 the code P Film), L 13-ma. LIBOR). C (Canifeam of
lOwArAod Pdras) appears an the from ext I the Pedodic large the
)lamamgl n
pao6C1
ales and Mppo?dinp ANNUAL PMUNNS rAOE MrfTf3
m y wry W n?_M may kiaasw a aocrsesa Weed the
Jetmtai Plea lhhe marginsp?ewrry ddocl, ed lo
yowl.
Those hM+ b afflfeacctltlvew w the fret dsy of your
hW^a earawd 61' your p-l ilk atatamrn .ding
h Yhs
e. Jaraeay. p+, .FI?Y O rob(_3
flow cote l m n on mamba IPM Fdi rh inc. UBO tsnite 6 (3rro.
1_19011 Rep die e appo? r t kpasttooAl et' rat
and ro nrd Is o tl petodie PEACOifAGE AATCa matt'
wry ?rosty aae my hetspo or daasps based es the
ones kwaees, n feud h TM Way avaer im.4 Pike
the margirh pteMoualy dlacosed io you. Those d wq.
well be efhetw on the Let day of vote baling prod
a Am Ylllertekit Laf Les, omatne and itahsod Prot Fella.
xn will be asoassed no of"
n our het
ter ottaff during any WMO ?n e?iied Under the
m
teals of yar customer agreement, we reserve to light to
waive or not to assess any fees without ==110
without waiving an, fight to assaq n • War tkne.
6. Yhhur Aeseraht. If • nenbaraNp f-
daN trolls the data tli. al.tonrnhM Mra rrh.ged to you to
30
avoid prying the I" or to haw such fee cmdted so you
if you caned yew moccu 1. DuMg this period, you may
co oda s to two yaw secant wPoaut he** to paV the be 6 foe. To coined ccaM must
notify us bycalling our CuyourraesoM sDepaMant
mpnbweyrMMp 1eo)jdlormOhs chid of dose ty period.
e. "yaYYu-r Class Your Aasaat. You can post to dose
account oegnmom by cm" Mrroy?yah-ace w a w
egad ace- rheeks, eras= ail praahtted:ad N
and rre.p uahp your aeeetre. If you do not u arh+.
proadwdzad baling amengmarw, we will consider
rotalpt of a charge your oulholzallon to ?sapn your
ocean. AdditiaWy, your swaps will rot W dosed
=Pay ea amours you owe to Irrludag: any
have you ahalerizad, fnnc?s dupes, ban
des fees, owrtlndt fop, roemhad payrnan ten, cash
ahlvahm (nil rd any. W. lees oases-d to yow
txahhrn. Vou ate rep= fa drag amtsahW vdetef
they ==;- t to Nro you aghast to
tie- the are heated ar6aaPrem a
amo::atThftlerm btewlt h
ring your ocea you w
your aora.ti It It tee already been doa d. For example,
if you a.*.d..d • from a macont and we porchoom mcofve the brrartin[ from the merd[wn ahor your
accost him been dead, yur aecarrd will be mopsred,
the areas of to dwrpp_wi be added to your orraur,
and yyoouu wi be responsible for payment If them is a
mmhbaralip fee for your *come. the fee wN comirm
to be tywutl, m the nmons psetdrad by low, Well de
acrwa biseroe Ica been aid In 1rdi n defined above.
7. Yaer Aeon nl.YOW card a accoua cum be
ca"in mxrcrkn with any kdema gambling
tranaaalre.
8. Neale Akers azeaaaie desk Cerhradrh.
- When you
ice .. hock WYm
a r you welder [e
dbcbwJc fad trrr/er?H=,r dreck make a mob • ero-tkre
ProL'ep dla ppaeyaerr es e L Wban we
rip khaomtadan ftarh yar deck to Make an alaCtronic
kfd transfer, funds may be wAddawn from your bank
account as scan as td sale day we naive your
lie Ward ywtA not modes your deck bock from
BILLING Rk*IT8 SUMMARY
(h Cue OI Emma (h Ousedure Abate Your NO
if V. thhk your by Is wrong, or R you need more
"nee'. on a trar"clon a bill, w1he to w on a
Ere" shoat as mfr as posel ie at the ad ieaa for
kngWAn ehowel an to flan at tNl sona hem. We must
hoar fmn
that bill orvdieh Yar ro laa ton ag0 Gys aria weGrtl.ntYyWocaunthe
tna are pmbian ter wo
cpara+e ouarrw Crlalernhar IMaaoha raentbar, but doing es will not
Inlanh.terC?r dghm. An your Mar, give w the tollowhg
Intone your ruse and &.ownt m.nbsy the dean,
anaed of to ewpsew! oar, . d.WwaAewydpierh of the errs
pedkleinkd t
and an ; ovi it or It you you ,hNoed am a a
an an
in.den dpedpllah of
the ham you aft tatap ebour. You da nil baw m pt' rry
m??o?lo??SPpaaines?gp W orthhit?ars?r
,pot you n dstkhgerrn a tka anry aetm to eaaael 1M
rhhsun you t4rntl.th.
S,t Special fkle For Cmdt Card Prchases
If you haw a problrn with to queety of property or
sarhisee let you wish . rxdt urea and y'ou
hew tiled h Z** a coarser the prahlan wNh she
merchan4 you My haw rho eight roe to P v the mmm g
adan due an the praparly or services. You how fide
prolal:Yan oNY vdwh 1M xWhsrh W pdw was mores than
+60.00
whin 100 0 ntheip of your r malwas ream Of hone Hate a
a yig address. we ours or
opines members, or It via malted you you the
adwNaom anare for the r7arty or esrhdcas, a purchases
of pWWu.)
overod mhombr tom-iigrhanant or loestl
Re
t Dooa ter 4PPII' ro tanaatar ten -,,.dk c.,N --W.
t Do- rot apply to business ten- ,adh end ocro t&
One sts"ns In omaibn privacy protection: s- our
Of WwW. Can.
One Is + ally registered service mark of CaPhal
der Colpoatal An rights reserved. a U? LBAK
In tent r? you mall m (w2?Mfr be clod to your scows -pmoff-t sokhbwokoss day we receive h, PwAded (1) yes sad to boron I - kn of this statwnan anti yowl dock
by us a alhy ah+ t var+ C:=wad ter fpm, msyh not bs e-d oil as dirt by 3 day pm. ET w e roe" them. business days an Monday riwyh ao.,d. yMer?hrdrg ha w.
Paymsms received
Roan do rot tea etaplaa papa ate. rdrh prspayhs pal payisas, NRnan yoa=== atNerize u to mob a awtiow seance trwoM dabh irws
o1 vas bale
for
access the amour the ehaek. TTi aWlodzatm ippies o al deep moaiawn if on by sansaa al-. It we cannot process the tracer, you authorize
us to make a charge agalrot yaw ace arxeue wine to dock a pWsr daft or otar lest.
Send us your e-mail address so we can better serve you.
Even if you've already sent us your e-mail address, please fill out the form and return it with your payment.
We want to make sure our records are up to date.
E-mail address:000000000000000000000000000000000
Please p
clearly in block or blue Ink Your address should include on "sign and tanrrof confoln any bknkspoeec A'."should Mve Its own space.
456236L320 135 1.5
Name: Account #:
Your privacy is protected at Capital One. You can feel secure knowing your e-mail address will never be sold or distributed without your consent.
For more information about our privacy policy, please visit http://www.capitalone.com/parent/lepi/privacy.shtmi.
COM Capital One Services, Inc. Capital One Is a federally registered service mark Ali rights reserved.
is
aaaaa?
any
MEM
W
aaaae?
mom=
T
O
O
8 i
e
N
1. How To Avoid A Fkrnea Charge.
G
i pe lode ram. To obtain the average daily balance for it.
ta.
mea Per
od. You well have a mWmuo, grace podod of
25 days wldhaa tkrrre dyrps m new ptadaw, row
bdree trrrrom
row e
edd
urdtea and row og»r blmkq cove ed by [Ns aatennmt, we take the
6epimkp balance of each aeonwn each day. add any new
transactions to each se
and wlaua am
a
m«ns
ment
p
p
gY
you
Voter
ma
o
wi
o
Pa
?
e
°rp g
,
Y
/ plp
te
or
code N apmrs an IM
m
t
itx
t
h
e
vdU
i air
mpanm N
odm
for
peymeres below, sweaters
xt
o -
IWsrtoo Rmo Applied To,- wq also
and in dream for it m be omekod by yor nets statement aMUm any upald ilrunce change kldtldOd m the bale
=V=. N - grace period on each adwncos Of each aopnam) This gl- u der daily balance o1 asa
ptrrrrom In adddon, arm I. nc grata period °apnont. Then, wa add up all bits"y bei- f« each
cry trrhaovion if you do rot pay the oral 'New
m
a aopnmt for the haling period and dvide by the total
b
eV
rnco.' rarmber of days In the 6oarhp peiod TNS dvr u the
b. Mrabq Forma charge. Tnmractio a w/ddh am net av«apo sly halartca of each sopn«n.
ll
V
aW)oct to ° grou poked am anosod ilnnance cargo 11 3. Atwol Para
.
Raeae (APR4
hem the Nor of the traced. « 2) tram des dam his a. The men 'Amual Parowdaps Rata' may appear as
trorrsetion u pnoeessed m Your Accrrud «?/ frorth the " 'APR' on ilia from of tNs statement.
ghat colador day of the cumra beery ppe?aled Additionally,
' b. If the code P (Prime), L (3-mo. LIBOR). C (Cardgute of
dyou rW not pay the
New Balance front tls pmviaa
6alr
eriod in tit
Amence tdr
ss condnua to acme to Deposit), « S tOrtkwM Prime) appeara m the from of
d+la datament new in
wodk raw W
the
edock
the
q p
,
ng
your unpaid balance until ds upaM WWhco b paid N full. p
.
p
eaport?q ANNUAL PFA CEHtAOE RATES
rdea and
Tide nhaarha that you shat owe )manes chow., even if quutedy std
mary may Moller « daerr based
4:
you pay the scrim New Bdrhrs ktdumd on to fr m of .
awed indle, as iand in TM Wd ft.
your statement by t to raw smtrwtt doakp data, but rid dmrW4 pit* the meR?n pprpavloWy ded°rd to you.
m"
not do r fir the pmNsts wa dh. Unpaid Ones chOrgr
am added to do appagahla r
at of
am Aocoud Thus d1a?ft we) fm l
,. to MI ay 01 your
eon statement emin
NaYt
p10d COYared b
ar
(all
y
.
t c. kiimen Fbtrwa fytaga. For oadm bgMtg period that
voter acooud It atgs« m a dame. a mmmean P
g p
y y
g
In dw monlM Jrmury, Ape .k1y and October.
c. It the ass B (Pens). F (1 ma. WOM or O CJ-mo.
year scooted if it has already bean closed. For axe pla,
if you ndndzed a ptandsse from a merdhrtt and wo
receive the trrrsedm h- the mendard after your
aeeannt teas been dosed,
sd,
the yore erased wale)your bs teoleaotoud,
aratan of the dearrQQee?cal b a tried m
ad wp be Melia"" for Psynead. If them is a cordrue
to Os tltrpsd m smttt? d0 bfoe twill u the
acuur: Dolrtes hr been to hall r deMnd above.
7. Ya« Aawd.Yau acrd « &-xsn carat be
oonnacd- with arty kdenat gambling
useelactionee.
8. Nods Abae Elaaae ' Chaak Canverdan. When you
povide a drek r payment. V- auhptre tea elthw to
use kefonrdm from your deck to make a orwtktw
aloceondc hand trarbr hem Yew hntk accoud «m
prover tlw psYwd r • ehsek trrrserlm. When we
teas IMonnWat ham Ym deck m make an electronic
find transfer, Arts may be wdddrawn from yar bar*
art w r some r the tans day we tmwlve Yom
1kha an k?nttlon rat W y. deck beck be.
BIWNO RNNITS SUMMARY
(In Car Of Fnos Or Gwadar About Yotn 880
If yw tNNt Yoc+ hNl u wrap, « if =n="n
famatlm m s naracrfon « be), ssparats dad r con r possible at the add- to
kWAdaa dtomrt on cis tram of Ws siammoret. We mud
haw bee you no lama than 80 derYe ate we sad you the
Mat kid an v k h to error o Peablaa appeared you can
all our Oustemd Retailers amber, had dokq r will not
pprrrawa?vma Your dyes. In ME Iehar, rive is to Mlow na
inionsdam your crate and aecaae member, fin ddlar
amore of the suspected army, a duce dm of the armr
and an eopiawtlery H Possible, ofNfry yco brew Over Is
an error: er H you maw mom mbtmallan, • dardpdm of
the Itarrt you w erayswawbout. You do pntott haw to ray any
.eyOl ?itp a of
uk. a ullai tomeo t the
amain you gttrdon.
i,t Special We For Cant Card Pucheses
If you hew a problem with the gjMly of lempamty, «
W.:r that yw =11 emnh um and you
Ise tied In guw 1Ndn to e prddan vdth leas
mordant, you may low the dgM not to pay dw mnmawrtg
amot m dw o cis P ny a rMems. You haw We
protaeem edyy vAsn air psmharr pals vws mile dun
350.00 and cis po Vow vas g ado a your has sum «
mor t?? t in too m r of your If virtg addror. Of wa own or
to to or mplorly or sorl? ci as purUUw
am cohered ro8erdw o1 amaae or location of purchase.)
Pleas na,harnbor ire apt all ammaponoon.
t Dow aw Apply so consumer non-aadk acrd acorn ms
S Dons not apply to husheat non-cradn many accoama
CadW Ons eppona kdwmatlm pdwry pomctlon: w ow
wits d wZ-=-=.
Caplal Ors b a aaryia mark of Capital
pedode ramW M Ise dears 10 60, wmtie wi wLtrsd«tlst ?rnad ran m A°IWAL° 11PUZ E MM", =
billed to bide Pudo $0.60 dsr wr?dmrdm ofy aadr mm m will be evomrytad kuid bee ti WiY .IauaaG An Sb" td. Tampory Ra h r all *? d We came he tin margin pmdarty dlaclrad to VOL Tlsr c oyes
mlgtlt to p a robt Qare sor Wry « all AreM va rYhamor for arty 0. WIN be etMcaw on she La dry of Your billing parted each mondt.
2. Avraga DaNy Nalraa (khskrirtg New Pwdursl. a- As serval of I" Ondamdt our Rakanw ==I-
a. =do ill colada d by mWplymg to dally You account wale be assessed nc restore tttr man
of sae sspnrd of yar accoud fag., wh Nsted Mm that oewr during arty Nakq psdod lkhdr the
salvers, purtdrr, apa°W train, ad spacial phamdar) mane of you «amarr sprartad, wo nassrhe the
dye to
=-_y==!= ..W that 1- been « not m awn arty fro p notlMatlo to
and of each day during wlmhmn wthkq our ride t° seas wetlnouairpi wne or dmear
der NOV oedw, we apply air at a hamr time.
aelansnt of your axed m tl*W==- N a mrmbaddp fan
segment. Then at alms std of the Peded, we Kid tp appears on 1M trod of tide ddamns, you hew 30
IInO roandb of tlneso aladatiors to arrived days fmm the date this summers vas mailed m you to
avoid PI*V to fee ar to how such be mreu from each e1g0 Tot °«h rD "mml pedoodo H you urwd your atxoun. owing Wa pined, Youmin may
Hews dw W for yon axaahL To gal mho daily balance cantlnae to ass you aouun wldaut havhq to pay the
=== WOaar, ws take do beyrWrp ma ebenNp Z. To une°I your aeooun, you much
ad add arW raw trraaetlmro notify w by codling cur Cwtomar Ralatlmra Dep°m am
and any upnsce o It a flange We th. d m the previous and pay yar flew Balance' In fall 6o during tin
day's balernea for mist aeprsmd. We tlnerh rbtraet any mOMb0 p 1r) phi to the and of tin tNny-dey podw.
m dst -u sopnom TThis posted gives are the repatum e? below e. yIf You Cie" our Y ow Y pmomr Relations raquept 10
account Cie..
for ash segment of yon acowe. However, if you ppaain ow Departmers. You mud destroy Your credit cordial are
Now 0asrca dnovhTn m Yom prsvias stemnerM M (« account mcor checks, cancel all pmaud"zed billing, cracit If yar now Datahoe wan zee « a dies aaroud), now and ma" "Mr' accent. If yco do rat tared Wocid xrar.he a en .-ma peat m you pbd to a y bW PmaulMdxad Mrtp artartgmwma, wa vole opaeriydearr
akaa.m da°-Or-m7 - da_l)y? the . 3 p .?i a ma?O a t° Adchar 0p yoy tact n to
rat loo daaad
balsnhcoe taoeosr and dsdrhp mho sun by the comber of tad you Pav ere amen' yet owe w Yhdudrp any
do days in the tared bMft eyrie. To eniudom yew tad traroaetlor Van law aurMdxed, Amvnss rdurgss, Pod
Nnernee esrge, Your swrage daily balance by the de) for, owrNmlt 4w, Mtrrtad NYt lets, each
daily rsm and tla camber of dap in tho billing otNarce toes and any Olher tar assessed 10 Yew
Duo at roundirp m • tally aria, them may boa etxaae. You am responsible foe theas amour wdwdsr
enm s cl2e betwsm this aktsadon ad the rmnocad or they appear on your account at the *": yyoouu rogcrsst to
arsntu ohorge a«ury nerd dw the aecoun or they am me urad acosegttrrt m
h. if the cods Z «N appesm m iM fi°m of gas sutanam your roquod to dw the acewe. The) may road[ In
row m wealO"''° tie Appdw To; we multiply the u.. chergea appeadnp m you?.mmar 1 an« you, lu..rve .. ^.
7143M the
laseem Ml anlerndmW nPayments envelops alto w will be your qua iced t roour sco am as of to buidnems
?a17 D rs (12 no rgdod) ,MPlease Yousereli allow he uanot pporonwmna rays ea p&nd Zjdsryck Sys (5) b Jer Paymsma mcalvw by u at arty oiler loadm or in my tutee) arm may awl 6e eraditeG r of 1M Ny Wa meaita than. Rea bwksaa days am MaWry tMouph 64110011 eamdutding holidays.
PI rxo-und°for tluw°a tw o{ tlne alp ;=f your wymore.kshsn pv nand w a dw W, you Mhodzo tae to make a msfins deetr«de uarsfor dow hen your bait
lack 5'Ida atdhodzatlmn apple to ere cMc reulved dunkmp tin Mining eyrie aura if sad by someone alas. 11 we umot process tin trani°r. You auMdn
w to make a charge agalrat Vow beak mocorsn using the check a paper doh or ode kam.
027
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see reverse for details >
C __X
Awftj
Account S
Previous Balance ;516.03
Payments, Credits and Adjustments $.00
Transactions $62.85
Finance Charges $8.77
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
027.0402
AUG 16 - SEP 15, 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
New Balance 1X65
Minimum Amount Due $97.65 1 15 SEP OVERLIMIT FEE
$29.00
Payment Due Date October 15, 2004 2 15 SEP PAST DUE FEE 29,00
3 15 SEP PAYMENT PROTECTION 1-888-527-6904 4.85
Total Credit Line $500
Total Available Credit $.00 As a valued Capital One customer, you are eligible to receive a free Yeas-End Summary that recaps
Credit Line for Cash $500 your 2004 charges. Please an 1-877-794-4487 before December 12, 2004, to reserve your
Available Credit for Cash $.00 copy. All orders will be processed between jamtary 15 and February28, 2005.
At your setvitt You were assessed a past due fee of $29.00 on 09/15/2004 because your minimum payment was not
received b
the due date of 09/15/2004
To avoid this fee in the future
we
d th
To all Gummer Rdatlesn w to report
a let or stolen old: y
.
,
recommen
at you
allow at least 7 business days for your payment to reach Capital One.
1-800-955-7070
For free enline toeesmt sesvia and special antoma offer, log on te:
w .apitatoncoam
Send pgments to: Send inquiries ter:
Attn: Remiuanoe Prooefsing
Cq iul One Services C.Pinl One Senior
P.O. Box 85147. P.O. Box $5015
Richmond. VA 23276 Richmond, VA 23285-5015
Important Account Information
Are you registered to vote in this years 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.everywtecounts2004.com to make sure your voice is
head. Every vote counts!
Finance Charges P/aararee revue ridefor important igfarrsarion
Bdasarate Perielu j(1'??[t?,'
? ?
N .?pl1dd. raM
VG
^ PURCHASES $521.1$ .05425% 19A" $8.77
CASH 6.00 .05425% 19.8011 $.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT V
0000000 0 4862362320573515 15 0587650216290087658
New Balance $587.65
Minimum Amount Due $87.65
Payment Due Date October 15, 2004
Total enclosed $
Account Number. 4862-9623-2057-3515
Ncep.,ia-ir,r -im.nlerr-a dh-t.b4- .r M- .rft rk-k
Smt APL 4
aq Snu ZIP
Home Ph- Alw- Phoae
BmsaAd&m
#9026045608401515# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.0. Box 85147 11111 111 1111111111111 1 177 OAEHILL RD
Richmond, VA 23276 ra ? CARLISLE PA 17013-8929
n
111111111111111111111111111111111t1111/11111111111111111111111 ? i? 11111111111111111111111111111111111111111111111111111111111111
Pleae unite ww ae-t nxmbwon yow dmA err money order madapayulbls to Capital Om Bank and mail in the endoraaenvdofs.
r
Send us your e-mail address so we can better serve you.
Even if you've already sent us your e-mail address, please fill out the form and return it with your payment.
We want to make sure our records are up to date.
E-mail address:?????a?????????????????????D????
Please print dearly Irt 6ktkablr ink YouraddrFss should Induce on "®"sign and mnnorcaddln dnY blankspades. A'.'should bola ft own spun.
Name: Account #:
Your privacy is protected at Capital One. You can feel secure knowing your e-mail address will never be sold or distributed without your consent.
For more Information about our privacy policy, please visit http://www.capitalone.com/parent/legal/p(iacy.shtrni.
Ce002 Capital One Services, Inc Capital One is a federally registered serviw mark All rights reserved.
T
aaa?
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8 e
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o m
art#ar Prod. Vou wl hew i milanuan pace period of
26 dell wideut htrtm tl?srgs r row putdsses, now
Wry Itrlalaa, Thew rl an W row a1Mr
accordance, cryec It YM PAY Your total ' "Now ave BWr in
far I k to to credited Notleo tar payments bolaw,
and nd n 1. tk *w no for be te by your ou: Statement
ca doakp dam. Them of te h In dddo Period oA o rah advrhmc grace, and apedN mrrletu. In adadon, dare is no prom period
one ?tr-uroaiorh if you do rot pay do total "Nave
b. Aaattaug Faunae Change. Transactions vlddt am not
fttha tlato p=dandfrem tletls drive IMl)
Ny,
transaction Is p
e ralwhdor day ato your Account or
m tot bi rdod3)Afram the
if vas did not pay the 'N?w ealrre fiom dr prwias
It WVMd Waterloo, ulta the uMp.a Waa IS paid in kM.
It mans that you my will owe fiance hargoo, own if
Vw pay to anUe Now BNanes Indicated on the fan of
yam statement by the dart statement closing dato, but ad
net do r for fie praNaat mtarNh Un iasid l snot chargers
I esonten of T Auarc.
tc. 2==`1=F. aadt baMq period tot
;=10=1,1 W Mdbsrglnpood num the
tool ananc?a rite rrubk,p from tlr avpp?lar?tlah of
amount tram the 110.150 Set and the diffiene will be
bled to f W p rdws sepnm? b Your account
td Tettprary Rtlsean In Fiww charge. We resell the
rids to rot awes arty or all H-tee charges for rry given
OF treas. In fro car n n r
alatamaM1 roe to •Dtlanles to
Ap
Mummer arty ugid I- tdarge
of each IM q) Tale at- to the
fapree'd , VIe add up all dla dl
_1d fa *1 MYp .1d d,
menber of dove In tW period
3. AraWfarmParertaga Rees IAPRI
a. Tba •AmuY P
'APR' on the iron of of L ( Me at
a
b. If the nods P Reims), L (3-n
te" /Baulk- p
rats and mrtarelale Aan
may wry Qsnady rridd may
cn wnad ulcer, r iota
.,burst rite its tnsroM grw
segment.
or doe reed
WAN Sates
=day Wm
a/atrhrrt Sitting
f Octebr
tlr IrOmt of tar
d. perlOaC air
C:ll
day, add any hour
ream o01 thL a
I To,• wt afro
sod kt tW balance
y balance o1 each
bNallou for each
by the total
u rivestact the
I appear Sa
if you Authorized a purdnee from a lrerdwd rid wo
receive the transaction from to merchant after your
.natant has been dosed, You account vrr be mopeed,
the amount of the dugs wait be added to year account,
rmsd= ?w?fpM be respassle fa Payment. If Mars la a
fee m be to for your amount, r the %a vA continue
W late, uts
the
assort IhSa M ac r neared above.
7. = Your connection ecnn It booneant a aoaud art;
"It W
any ktanet 1lamublkq
broad
8. tWa t Abort ERMerda Osek D0lrartulel? When you
pro" a cloak as PaNren. you authorize r N V to
usee .l.wra gad transfer your from your make a orwilme
ya m banes grant t or
a to
prooeSa the payment as a dhsek transsedon. When
wo
a?ildfti? yam clack m mob n alocuahie
SCUD" r aeon r the rants day " reOelve yar
pe Ord ear Mw yam drek back mom
BIWND RM*frS SUMMMY
On Car of DJrom Or Ohrles Abort Your Bag
It you 9" Vro W le wmrq, a k yw need mar
klfamarlan an a tlreaait. p ban, hnrmle 10 se on a
-patae sheet a soon r Prue at "add- for
klquidr da tan on the from of 0" ataerllrt. We cost
hear I nom you m team thr BD caw alsr ws arm you cis
etut tla r tlidl d1a ores a pskhtn appaamd Vw er
ea8 our Customer Ra1.Yerr msNar, hat dobq r veil 1st
p=Votrrourwr t1dns. h your New, Give uthe /a ___Q
?Mn y and aaeaam mniha, dr dollar
amass of tW reepaaad Arta, a do@ccV*dm W its error
AWKI -G* N you iwd iaom i, udar
om =;=.,I$
Z=You ae urue abaul. Yw do not haw to pay ary
than N vdie tw ae kof'_V
h, but you
fa pay is p
nell re of aro not
M4uaadar. ws Investigate you ouslfarh, we rarrlot
ma m Wu yyrBdaWl?am or uls Say anion to eWrat tM
i,f special Rule For treat Card Kirchaveri
If you how a problem with to quality of prgsny, a
servtor that Yw wM s cmm taro and you
haw triad in tNth 1. rrraet the pmblan with the
merchant, you may tow the doe set to pay the mmaWng
amour due an the pr?any or rsMcr. you low die
profeedon ellY vArrh 1M Putrdhar pIa was mom lMn
860.00 0 ile of vow wan made a you home was a
operat 100 miles in your H we address. lie ewe or
onsifirv Of we
adverfmarching, 1" 00 p p" =::=.)
ai OF fid
ore cowed mega. .. a Please trar-aber to ign NI oornoepe11da1r.
t Dona not apply to someone narcmdlf card &CMWs
e Doea mat apply m cask gas M11-em& Card aCeo4nm
privacy potecficn: w or
sad envim mark of Caphal
Ins reserved a 2003
01LOLBAK
2. Avrrga Dtltr Bslartse I New h4dwr). 4. Aserrrrm of Late, Overbuilt and Resorted P.ystrt Far.
ted nmltlplylrp Ms doty
a. Rrhnc?s dh= You auxaum will be award na mom Asst two of tba far
Wares of of yov accout (e.g., sari
= Nand hero that occur during my bNW1g period thdar dr
ad-, P.Wtoaa, apadd trrrhr, and Speciall puadase) toms of year crtann r agreement, we rwM tba ride to
by rile dally psrioae ratafd the[ Ihae bar
&A
rsvleW
ct
l to
At d
f
h d
d waive or not to areSa ashy ire Wthout prig rotl 2- to
tM Sa
wlMou w
ta drill t
ll
r
hM
N
V
p
y
r
you.
o
ay
. an
eac
the 6NYrp prod, we apply the ds?y Periods tune for each a
a
q e
o sates
me a
m
a r llama.
ra
agmeta or you account to the dsgV Wanes of each
Sa
art
Then at the and of the blkl
roo t we bd t S. Yv Aamui4 N a mambeMlp Ise
ft
a
ea
M from of RNs Natsnsm
ou Iew 30
.
g P
O
V
the lasulto of tins dagttaualadedrr tp arrive at your
ro
e We add u pp
an.
. y
day. rime Wa astarm wag naMed to you to
avoid
a
in
P
p made from sstlt aprrm to amw chat tag pe?o p
y
g you rncd yam decon. During this period, you may
if
hharlee charge fa yam aer:an. To get tM de War1o1 =
war aorud tMtleut hall m pay the
=
fa each agrtrt of you exacta.
tfa bepkrlkq =
.
To rncal Van acmran. you mu.t
and ad any now
bNrn fa sect asgc
l
l
d
DC-?
M
H
c
th
i notify
Custom
cAiN:
us by wlMw DOe
' I
l
l
di
h
ce a
c
e
a
Say
hr1r
age
a
an
prev
ous
day's fa flat osgntan
Wo Met rbtroct ts
n
a
so
(exc
u
ng t
e
y?u
manbWrip Ise) prior to de end of the Wnyday period
m%
.
Payne is a ctedla Posted as of ghat day ttat .m a mard .
a. It Yw am Your Aaaeut. Yw er tugttesf to nor
to that Segment. This gives us the gamm doily bdrlr
for each
am te
svrr
Ise
eb cis
Dl
ou === our Gatomer neladete
doe
am oast sard(N and
y
,
y
==
tv
p
Now Rair you prrvtahe walrnatt N FN (a y
account accaes check. ,tareN all prSauded-al aakhg
If you new b h- sect zero a • sea[ anoun0, new ,
and tear wing you aceaaht. It ycu do to enlecl
trorosd Ana ==
to Yau' ptWco or aped., prruf-bad WNInO amnpomre, wa wIX candor
.
purdar asadded te the daily belrre. We
N
l
Y
N
b
N
Y
h
d
ll
h
W rocelpt of w cargo yea aahodzwlon to mopon yota
AdaN
tl
WM
d
d
b
e
n
am t
e evemps u
sches
y au
cp s
t
e
o
y
??
yy??
balances together a rd atmarq the an by the mambas of erue
s you :count
ose
account.
not
e
until you WV all .ntoutla yam r kteAdn¢ any
the days in the mature biting cycle. To calculate your total transaction you have authorized, Husnce dergr, pest
e
eetftloeargo. yea average daily balance by the
?W?w
W due /ace, ovaNMt far, rwtmatl poMtrt tor. each
d
smo
d
c
?
t
p
y
p
paced. Rs to scarp an as dally Web d e ws ny b
e a,f o
far a
i aunt. You an
oe
ruipa ?e
amu
wtts
owweether
alyt wrianr between this calculation and de amaax of they appear on you amount at the rime you mrium to
urachee darn rarNy awsaod nor ill. account or they am sacred su bacquem to
b. If da cods Z or N appre r tW from of tHa motorman yeti roquon to due tW secant. TNs may roWt h
roam •.Wrm Rato Applied Sao: .w nxltlgy de.?., datpos?ppoaMup r yout?ccant aae?ycu law _ .
7211M
Intpartrm Ftogee:
1a ee amarnf Payrnama you maY to w will W aeatW to Yet aoooum as of iM buraturs Gy ws ecNw hk,, proNAeO I1) you swd iW batten partlan of t7ls wawrert anti you deck
th tM auciwd nmittru.e envNlpe and W you pamnrtt la rocelvsd H our p?oaaNnp cwt. by 3 p.m. ET (12 noon PT). Plsar meow n ISan lw 16) burssusse caw ban postal deNw
Paymams raoNwd by u n any otMr loeadan a in any olha krm maY not ba welted r d tM dayy sew noNw tWm. Our busksaa caw an MadaY dvotph Sws4yy, ezxkdng tmlWaw.
Phan tab naf tea afaplse Pzpa d?a elc. vdsn pprreegparkq ywr pawtem Wlsn you nand w a dteskW, Yw emWrize to to make • onrtbns Necvalc tmahr daisy 11cm Your bards
auxarrt of tM deck uR1h atttlariz.dan alpha to M dscb eriwd duhq tW blhp cycN awn 11 aril by acmaons Abe. R vm umof Proraa Ms tranNr. yw autWdzs
tan to ma.
a derye apalrot yap baulk auxoun uiq tM chock a paper drab a otMr kart.
Financial difficutties? caJ:1,W0 '
We can help! wlurlr)nyourwaffet?,
Your account is over
3o days past due.
Good credit can be important for getting an
apartment, a cell phone or even a job.
To avoid risk to your credit rating, call
1-800-955-66oo to use our free Check
by Phone service.
If you prefer, simply use the payment
coupon below.
• If you have online account access, log on to your
account and pay now at www.capitalone.com.
The purpose of this letter Is to collect a debt. Any Intonnatbn obtained win be used for duct purpose. 01t-04o4
O 2004 Capital One Services, Inc. Capital One Is a federally registered service mark. All rights reserved.
Account S
Previous Balance 1587.65
Payments Credits and Adjustments $.00
Transactions $63.49
Finance Charges $10.12
New Balance $66126
Minimum Amount Due $161.26
Payment Due Date November 15, 2004
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
Atyourservicc
To all Co a~ Rdatiom ar to report • It or stoles nrd:
1-800-955-7070
Far free online aamum wrier and special axtemer eHen, leg on to
www.npihlomoahh
Send p"erhb to Smd lg, u xe I.
Attn: Ranithna Pronaing
Cap:nl One Sesrka Capinl One Serrioes
P.O. Box 95147 P.O. Box 85015
Richmond, VA 23276 Richmond, VA 23285-SOIS
Important Account Information
Want to make a difference this November? VOTE' Your vote
is important, so get out there on November 2. Orly you can
make sure your voice is heard. Every vote eounta!
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
SEP 16 - OCT 15, 2004
Page 1 of 1
Payments, Credits and Adjustments
Transactions
16 SEP OVERLIMIT FEE $29.00
15 OCT PAST DUE FEE 29.00
15 OCT PAYMENT PROTECTION 1-888-527-6904 S.49
Capital One is proud to apport The Heart of America* Foundation, helping children learn to read,
succeed, and make a difference in the world. In 2003, we gathered nearly $1 million worth of books
for children in need. To larn more about how you an help a child make reading a lifelong passion,
visit www.heartofamerieaorg.
As a valued Capital One customer, you are eligibk to receive a free Year-End Summary that reaps
your 2004 charges. Please call 1-877-794-4487 before December 12,2M4, to reserve your copy. All
orders will be processed between January 15 and February 28, 2005. As long as We benefit is
available for your scoonnt, you must all in each year in order to receift a Year-End Summary. You
will be notified in your statement on how to opt in for your Year-End Summary.
You were sa med a pan due fee of $29.00 on 10115/2004 because your minimum payment was not
received by the due date of W1912004. To amid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges Pkareta reoax ridrjar I arortaxr ixf6rrsatwn
BdnvrrM P :&
C-=?
ME
ypthdro roe
PURCHASES 862152 .05475% 19.90% 4110.12
CASH 8,00 .0542S% 19.80% 8.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT V
0661260216290161262
362320573515 1
86
0000000 5
2
0 4
pkmprid -X,;raurx-h'Y "-ilcdox ;,kwwiarbhv-R.ti.k
New Balance $661.26
Minimum Amount Due $161.26 serw Apt s
Payment Due Date November 15, 2004
Cihr ae.he ZIP
Total enclosed $ ltomeppono Nhaaan Plwoe
AccountNumber•. 4862-36212057-3515
FmdAddrwr
h #9029045608401512# MAIL ID NUMBER
Capital One Bank
77 MILLER
1
MANDI
177 OAKHILL RD
PO. Box 85147
. Irlulullutlrlllurl
ichmond, VA 23276
R w !? CARLISLE PA 17013-8929
n
661 1111 111111116111111411111911 111 111 trt,rIL6J1„ill„I,I 6ulllu.III..rrrrllr,tlrLrlJJrrrddhlrtLtrlLrrLllrtl
Pkare-4teyoa mwxatxxmbw myou,heel: or mmy ordn rxadepayroble to Capita?OMB=k andrxad in the snrlaredenrukpt
Financial difficulties? 041
ne-
ttr/latt's to your tesafhti'•
We can hetD! CR PHW
Your account is over
3o days past due.
• Good credit can be important for getting an
apartment, a cell phone or even a job.
• To avoid risk to your credit rating, call
1-800-955-66oo to use our free Check
by Phone service.
• If you prefer, simply use the payment
coupon below.
• If you have online account access, log on to your
account and pay now at www.capitalone.com.
The purpose of this letter Is to collect a debt. Any Information obtained wSI be used for that purpose. o4to4o+
O 2004 Capital One Services. Inc. Capital One Is a federally registered service mark NI rights reserved.
Account S
Previmas Balance $66126
Paymeiita, Credits and Adjunments $20.00
Transactions $34.71
Finance Charge $11.12
New Balance $687.09
Minimum Amount Due $197.09
Payment Due Date December 15, 2004
Total Credit line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To ca[l Custsaler Rdadow er to report a lost or stolen cud:
1-800-955-7070
For free online a«ouat service and special outomrr.0m, fob on to:
t capitdone.aom
Send payments to: Send ingiiew tot
Attn: Reninsaa Pr6owin8
Capital One S-1- Capital One Services
P.O. Box 85147 P.O. Box 85015
R'uhmond,VA23276 Ridm,nd,VA23285-5015
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 ofyour 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
4862-3623-2057-3515
Payments, Credits and Adjustments
OCT 16 - NOV 15, 2004
Page 1 of 1
1 08 NOV PAYMENT RECEIVED - THANK YOU $20.00-
Your scheduled payment bas not been received. Pleam remit the amount due appearing on this statement If
you have already made your payment, Please accept our thanks.
Ttansactiona
2 15 NOV PAST DUE FEE $29,00
3 1S NOV PAYMENT PROTECTION 1-888-527-6904 5.71
- iw One proudly support the National Youth Anti-Drug Media Campaign.
P NTS. THE ANTI-DRUG.
Stay Involved - Ask Qestions. To get the FREE booklet, "Keep'ng
Your Kids Drug-Free ,"call 1-800-788-2800 or visit www.T Xllt- 4-com'-
As a valued Capital One cuatamer, you are eligible to receive a tree Year-End Summary that reaps
your 2004 charges. Plum all 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.
You were assessed a past due fee of $29.00 on 11/15/2004 because your minimum payment was not
received by the due date of 11/15/2004. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
FluanccCharges Pkareinreernetidei6rislpartaartiiy6rs sm
Bdsenrwe Peris& C.'', (??t??
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PURCHASES $66L49 .05425% 19.80% SIL12
CASH 5.00 .05425% 19.80% $.00
ANNUAL PERCENTAGE RATE applied this period 19.8x%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 15 0687090020000187093
New Balance $687.09
Minimum Amount Due $187.09
Payment Due Due December 15, 2004
Total enclosed $
AtcountNumber. 4862-3623-2057-3515
PBoeprw rs X raa-mr14r reuif,6-4rrkh.-Vic it. o M-1 isk
Steel Apt I
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Home Ph- Ahemeta Phone
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#9032145608401515# MAIL ID NUMBER
Capital One Bank 888® MANDI MILLER
P.O. Box 85147 IIIu1uIIu111111n11 a = 177 OAKHILL RD
Richmond, VA 23276 r CARLISLE PA 17013-8929
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Access your
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PLATINUM VISA ACCOUNT
4862-3623-2057-3515
Account
Previous Balance =687.09
Payments, Credits and Adjustments $.00
Transactions $35.12
Finance Charges $11.27
New Balance $733.48
Minimum Amount Due $233.49
Payment Due Date January 15, 2005
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To call Ctutoma Rdstiom or to reporta lot o stolen card:
1-800-955-7070
For free online aemunt service and special outomer offer, log on to:
w .capitdone.eom
Send Payments to: Send inquiries to:
Attn: R-.ft we Proaring
Capital One S-ri- Capital One swim
P.O. Bw 85147 P.O. Boy 85015
Richmond, VA 21276 Rielmend. 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-Beason college football action, to see pour favorite teams
fight for bowl championships, and fee college football's
ulfimare prize: the BCS National C}?ampmnship. And on
NewYesr's Day, be sure to tune in m ABC to watch the
Capital One Bow! and see which mascot is gowned the
Csotal One National Mascot of the Year!
027-0402
NOV 16 - DEC 15, 2004
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 15 DEC PAST DUE FEE $29.00
2 15 DEC PAYMENT PROTECTION 1-888-527-6904 6.12
"You are a valued Payment Protection customer and maybe eligible for benefits to be paid to your account in
rases of disability, unemployment, and death. If you have experienced one of these events, please call
Consumer Membership Services at 1-888-527-6904 to see if your situation qualifies for a claim. Your account
is 60 days past due and your coverage will be suspended if it reaches 90 days past due, u stated in your
Payment Protection agreement
You were amased a past due fee of $29.00 on 12/15/2004 because your minimum payment was not
received by the due due of 12/15/2004. 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 P/earereereooreridaforimportant
iXfo
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CFIARGE
PURCHASES $69252 .05425% 19.88% 813.27
CASH 8.00 .OS425% 19.50% 8.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WTTH PAYMENT
0000000 0 4862362320573515 15 0733480020000233487
Pt<fnN.rdfisgaJaRrua? rmailydarrrn? saurtbhrarNaak;.k
New Balance $733.48
Minimum Amount Due $233.48 sr«. Apt +
Payment Due Date January 15,200S Cary Stiu ZIP
Total enclosed $ Hom, Phony Ahamu Phem
Account Number. 4862-3623-2057-3515 a
EwaAdd-
Capital One Bank
P.O. Box 85147 I I I U 11111111111111111
Richmond, VA 23276
1 still 11 1111111 11111111111111111111111 111111111111111111111 111
#9035145608401512# MAIL ID NUMBER
arm" MANDI MILLER
n 177 OAKHILL RD
U.RLISLE PA 17013-8929
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Plewe wrrteya ormuw masher om yore cbat w money order madepayabk to Capita! Ow2=k and mad w the mcAwed exweAope.
Send us your e-mail address so we can better serve you.
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Name: Account #:
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For more information about our privacy policy, please visit http://www.capitalone.com/parent/lepi/privaeV.shtml.
02002 Capital One Services. Inc. Capital One Is a federally registered service merit AN rights reserved.
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1, Flaw To Awkl A Flmnee 0-w.
to. Orris Period. You will hew a mkimem araee perfect of
26 days Whhat f rJWvrOarJat an row pudhare, new
balance trameiro, row Purdvmos and mw other
cargo If you sty ymr t«al 'New 6Yrce-, in
aoeordomti wish lie Frportr[[ Nodcs for payrnorw below,
and in time for It to be cmdted by your matt statement
closing date. Thee b ro pace period r cash advarms
and speow Vareshem. in de., them
on any treeocdr N you duo re,t ? =I!r-_v??
baiarae.'
b. Ao mbg Fires Gene. Transactions which am net
skisa to a grace period one snare tm ince charge 1)
hen de data of the tram aetr or 2) flan the data the
trrr.cllon M pmo doYce-ofthe W to yaw A«shn or 3) hdn do
ant u 6 mmm 611Yp
ifyyeout did not pay the -Pic BaWhm the pre
blhaho psdod n h/, finrae ehedgea caekes to sacrus to
yam unpaid balance undl the rood balanae Is paid In M.
This moor that you may trod owe fnrhce charges, even if
you sty the asks Now BeWas Indicated an the fist of
your staenwn by the now statamrt doskhg data, but did
not do o fir ate proviou s nsend h. Unpaid dints derges
Aaoat.
am added m the sgment of your
to. lutiiror Fburua For rdh bong peded that
wur account i sublet to • m-hca corm. s nehama1
at the aarg belanoe of =M11 rch a fnas egmeM staterhheach ara, woealai. arfd an tare fro
ur db to a qdo $0.60 r virddoom snot es difference will be
t d 1%ze yr aediwlkn fn Fkres ahrtw Ws mtr«w the
dolt mot assess any or ail Iksrce chartist for any, Oven
2. A bN??=p«IO . I few Pvdrasl.
e. Rnance charge, H cal WatW mtidW,. ne deny
t =ca?)
bdtrrnm of each spe ialf ?fsr?ami
by the a?e?p daily periods reveal that hn bar
p evktsly?Ar/eodtto yoi At the snd of each day
the bNlkg Varied, wa apphy the patwk ram for rdfi
sspnrt your semnt to the balance of each
aeprhoht. Then n the and of dins gated, we add up
the reatln of dear doily calculations to arrive o[
= csrye for each rpcart. We add up the
aopnsn m an ev the turd paid.
tntnce cadge for your a.com To get the tidyy bdrm
for ostlh aa0radht of yon accoutt, we take the beplmeg
baisrnce tar each otpnst add am
arhy row banoo eto s
eat any?tfaf. (Wanes charge dalaLfed on the pmvias
waymorns or fer rte[.evmwt.fthat b Wecans= amaWce any
Ymmmodin pasted r oy the[ ta
m tun aepnac of givr m the aaporam if y balorao ft
he each aolfnert of yam sxoh.n. I(o you
New raWhca dawn r yam are if
pdoNas te, ..ut), M («
It your row bdahm per taro « • oes arson), row
trorracthorr vdich past to war added t oMr or
special
s y bake
cwm*is the ewrape_dpgy balance by sddng daily
V new
transactions to
or credits. Of the Bodo ill appeam an 11m hall of this
statement next to "Balance vino Applied To," wo also
subtract any unpaid throe surge bekWW In the balance
of sell a!Cm ) TNs gutwa ue the dilly, bdanco of each
rW- 7tan, we addpedpWW to daily bd- for each
a.b.r of dap in W hWNt wAod TNskdws w the
eve
3. Amyl ertaos Hams (APNt. segment.
a. The ism -4:" Pero=%W Iiti may appear as
APR' an due iron of a.
b. If the code P (Palms), L (3-ma. LIBOii), C (Gmltcate of
Deposit), or 8 Prime) appears an the front
this ststen A (BrhkeaMthe periodic ratew, the IMP *T1
revs and =.-pan AIia1A.l POTZAOE IfATE4
may wry qusedy may Ycv ass « deu. Weed
an the trusted kder, as fond in The WAIF West
.buraL pus tM margin pmNatty dedrsd m You.
Them Wt its w oniho troI da htMrhg oovetad by your wdWic one Y.-.=
e mondr Jranry, Apdi, .hll? oat October.
If the code D (Prime), F (taageaa uBOht «O (3-tno. UBOR Repriced
n the front statement a Ct ta -ni oaleee rnsW. tho P" cc cis
will be effect" an the trot my of your btag period
each manot,
4. Aeeernrt of Leg, Ovotsi and PA&nn d Paynwt Fees
Your account WE be assessed no mom than two of the fees
Noted hero that aear during any bWng period Umbr the
tem. % your aetane apsamrt toe rorrv0 the right to
wall « not fe stream any ire vjthon pd« nod%.ad- fe
ou stifles waiving stet ripM to amen the mere « deter
r n s later alma.
6. Yaw Arsatt. It a membership %&
ofa rm an the item of die stnemem, yw hhaw 30
days from the dote this autsnent per meted to you to
avoid paying the fur or to how such fur credited to you
if you canal you octant. During this period, you may
confine to trio
mmberatip fr.Tyaom account without Ievkng to pay the
eanneai your hour h@ you ay
notify is by -in, ar Mem« neWlona DepsrtmoM
endpay r'NSw BaiarZ in hN (excluding the
motets.yaufur) fubr to tM and of Mo dtmVAeV wdW.
0. N You (Nose Your Assn. You ran tegnheat to giro
yyoauurr acceunt W tatkg our Manta Naiadrr
Dapanmont. You mm?t do.troy yam credit rNf.) and
axest acne.. deck. , caned at praauderizad toting,
tear your sedroddm. It you co rot canhcal
and
proauthelzed aw?npansma, ws wilt deride
receipt of a dirge your rllhhedrati n to reopen your
accent. Additionally. your Account wig rot M tlord
tent you per eN amounts you owe us IMtudrq: any
trarwttloue yott law ounhodzed, finance charges, past
due for, owdim it ire. mtttrrAd payment far, rash
advance fen d arty othnsr I. assessed to your
en
accsan. You aro mpsrWe for esem motets whether
it V appear an Year earned at the dime you request to
nor the sewn « they aro incurred subsequent to
your request to dose the account. This may maul In
dargea? ?aatkq?on yen secant suer you M"
your aoeant if it has already been closed. For example,
- if Vw authorized • purchase from • memham and we
me"" the traroMbn fern the merchant after your
acca n has been dosed, Your account WIN be noprd4
the shiest of ds chargs wY be added to your ncceu¢,
ell yyww w?be respormue for payment it team is a
dnnrnbasrtp fur for your atcout, the The WM continue
m be demur, m de steam by low, teat the
arc s, bdrae Ma bar In full r dolled eb-.
7. [Lint Your Aarhot.Your card or aanunt cannot be
used In connection W kh any hasmat gambling
transactions,
S. Pladoo About El
provide a crock as peynrM. yvu aW Wzs tr eh[w m
use kdo n idat from Vour deck to mob a onetime
etecbaic fad transfer from your bade accent or to
pone the a dock transaction. When we
w YtOnnnlatPaanl h? 0nn1 an
yeti dneak m Imake M eledlarlle
fill
yam bscu
arrsdn , fads may be wd - rrr hornMvs
est as as a son -the sa day ry v ya+r
paynert?Y well Ve an Bekbocek from
BILUNB FOGKrS SUMMARY
(in Car Of Eimer Or cessations About Your BIN)
If you *** yam bill to
vvrag, «If you read more
Information on • tra-aotlon «blif rvrita s u m s
Iweswrem shoat r seen r passible n the add- far
ri-frat she- on you ro 1a1 the hea bass d-i SedO d ? dsswys ommonart. r
pim the
first bl1 on Will error « prObhrm apprrod You can
sell our Monier PAW" manber, but doing se will rat
pq?aerw your uipdt n your lamer, give us the following
inf«matehs your nrae and axon ember, is dollar
amaut Of the nupatted ems, • daaedpdo of the error
and an evp4nadan.PauhbU, 01 Whv you bdMw there la
an error, « If you moe InbmadOn a description of
the hem you sm share about. You do mat hew pay any
amohtrt vAhta von aro ImreedgaWq h,
m gist am ro but Yout
In
ail to pey de pate your dlf
n ort you . we krvrdrta ycur ptrtr, we -1h.
amount you aim. «cab am salon m xtM M
x,t Spedd Rue For Credit Card Reducers
If you have a problem With the purity of property or
rrv ors that you purchased with a credit card and you
hew tded In good faith to coma the praMan with the
merdunL Yco may hew the right not to pay 0. romaWng
man duo on the tlhsny or rrvkr. You law this
poteetlOn oily clan pudar palm pea moro than
060.00 aW 1M wqe tank Vow home atM or
over or r
within 100 mgr a of visa r vsrm we address. Of the
operate to rrltle or If lve matted iled you the
pfpudurundaoaa
aam covered =--="
ail orxo.
er&m men to to Se Wgh o1 at em correspondence.
e m « «reapondoce.
Howse remember to
t pass tat apply to toreumar r t-eredn cans acc-W.
I Does not apply to business men-cro09t our oco-W.
C tat one supports Information privacy Promctir: re our
s n www. one.com.
Capital Ors N a atv tagMned eeMca mark 01 Gphal
period Duo to muting an a daily basis, them may be s
?tv eras between this edeu ation and the ernout of
ashamed.
b. 11 the xis « N apprro r the iron of No atnmm
=m -Bdanm earn,.AAptocl d To: ws nwitlply the
......... w ,a, y ...,u.,
you mall to us will be , - - to
som! go n encleeW Pteralttaaln miner t "bps all u War ?ym is udvW account roccs*dd login bdkl 3 p mmaET (ltf rash PT)?1P)ISS?ie slow n LloMmtw portion of the amora tmd your bud k dknaya iw pmW ddwr?y k
PaymeMS received by us at any eew beacon « pNraanpyrMmgMyroulram ym notbgeoeYmomd as of 1M day we receive them. Our bukeee days am Monday through Saturdo exduditg holidays. transfer M your bu*
awe br?UeeNan Doff 11w dark 4Ni aWsnlxACn apgsa iomaY ?1 dMeohu ?mrive u d dA+tkg tfa bgimgfecY M svattlf won by to malue saiheoe aione r vwn wrpt po ei tl vamkr, you authorize
w to make a charge against your bank account using the deck s paper draft « other ism.
Your account is temporarily suspended ACCOUNT STATUS FOR: 042
from future purchases and cash MANDI MILLER
advances due to its past due status.
A good credit mdrig 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.
• Call our friendly associates for payment options at the number above.
• If you have online account access, log onto your account and pay now at
www.capitalone.com.
• If you prefer, simply use the payment coupon below.
The purpose of this letter is to collect a debt. Any Information obtained will be used for that
0 2004 Capital One Services, Inc. Capital One is a federally registered service mark. All rit
TEMPORARILY
SUSPENDED
capffmo 4 l
when In your mast?-
reserved. 042-0404
Cae,
Account S
Previous Balance 1733.48
Paymems Credits and Adjustments $20.00
Tnnsacficus $35.35
Finance charges $1219
New Balance $761.22
Minimum Amount Due $261.12
Payment Due Date February 15, 2005
Total Credit line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
Atyourservice
To call Cudomer Relations or to report a lost or stolen nrd:
1-800-955-7070
For free online so»uM service and special maomer oSen, let on to:
www.npitalonecom
Send paymerw to: Send ingairia to:
Attn: Remittance Promainr
Capinl One Senim Capitd One Savior
P_O. Bo: 85147 P.O. Boa 8SO1S
Richmond, VA 23276 Richmond, VA 23285-5015
ImOortant 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 ofyour 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
4862-3623-2057-3515
DEC 16, 2004 -JAN 15, 2005
Page 1 of 1
Payments, Credits and Adjustments
1 03 JAN PAYMENT RECEIVED- T14ANKYOU $20.00-
Transactions
15 JAN PAST DUE FEE
15 JAN PAYMENT PROTECTION 1-888-527-69N
$29.00
6.35
`"You are a valued Payment Protection customer and may be eligible for benefits to be paid to your account in
cues of disability, unemployment, and death. If you lave experienced one of [heat events, please call
Consumer Membership Services at 1-888-527-6904 to we if your situation qualifies for a claim. Your account
is 6O days }au due and your coverage will be suspended if it reaches 90 days past due, as stated in your
Payment Protection agreement
You were assessed a past due fee of $29.00 on 01/15/2005 because your minimum payment was not
received by the due date of 01/15/2005. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges PkWo erl4erreri&*inpoda"trmfarmration
Bdara.mer P " -
"'
#tr-dr I.&
M.
PURCHASES $731.06 .05425% 19AU $1229
CASH $.00 .05425% 19.80% 8.00
ANNUAL PERCENTAGE RATE applied this period 19.90%
? PLEASE RETURN PORTION BELOW WITH PAYMENT V
0000000 0 4862362320573515 15 0761120020000261121
New Balance $761.12
Minimum Amount Due $261.12
Payment Due Date February 15, 2005
Total enclosed $
AceountNumber. 4862-3623-2057-3515
PG P..rareic.r m x..1. Anrj i' wnylh,r.rkl-k .k
Street Ape
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Home Phone Alternate Pb,.
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t? #9001645608401511# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 Irlullluulnlrllttl a 177 OAKHILL RD
Richmond, VA 23276 CARLISLE PA 17013-8929
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Pleare uriteyow account mxa,6romy-heck or mony order rendsPayable to Gfital Om honk andrnad in tlx endm4denvelope
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asasas?
Sam
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8
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ten Sm
RSR
aOraq arena or dace sepmaa esch toy, am arty new
ire Cries to aadt asimenl and subtract arty pavrncrds
a credits. fm, the code N appears m the item o1 NoIN
ttatomrnt neW to '6Nrae Rata To,' tw cite
rbtrae any unpaid trunea charge krW Wed in gat base
01 eadt sorteent.) TNs giwa u the daily balance of each lnon?
ura se for the Nlleq pa?lodpand dNdebal the M eedr
rember of dap In the piing pedod. This giwa u the
a logy halancs of arh secant.
3. Anssrl Rags fAPRI•
a. The tamp 'Areal Pannuge Rate' may appear as
APR' m the hat of this "mom
b. If the coda P (Prime), L (3ytts. UBOR), C (CeNSate of
Deposit), a S (Bread Pdms) appear on the tram of
Oros statanwn read to the pedodc rate", Our psdode
rtes and oan?aa?ap ANNUAL PENCFMAUE MT64
my wry 4+snanl' ra m"W eroaa a daeroeao based
m the stated ideas, M it it WaF Speer
.)awng plus to mardrtroNawWy dodos" to you
Theme times toll M m the tent dsy of yam
!AN" Pedo. mwried 16yo= padoAe_nnrnard rdng
row to wvee w rrwaa taharga.
a. (kaes Paled. Ym wgI hew a ntWrom gmce plod of
26 days without rawttb ohsrye en row prduax, raw
balrra [stater, new special purchases sod new other
Charges if you pen, you total 'Now SAW"% In
socord- with " Important and In dnw for it to be et Notice for payments bolow,
by your nos sutamens
dosiq date. Them H ro grace pedod on cash adwttces
and spatial ammeters. M addition, arm H no salsa period
en atny trarrpmmlon if you do nor pay the tool 'New
b. Aaanity Fbr- CJurga. Tram-lions vA" am not
heart the date of to transaction or 2) from the data the
tnnwaion H processed to you Acco ra or 3) from the
are[ alrtdar day of the atria hlOnp pealed Additionally,
If you did not pry dr'New lid, fiom the Kwous
C=1 period in full, finer0s changes, continue, m samara to
In full.
? the unpaid b.W- 1.
Out yomay sill cve 9 ca drtgga aural If
you pay the andro New Balms Indicated m the front of
to Mini
tW
gla
roe, a minimum c.
prfodc tam W? Oman morrh tne vA rLtmet tat
amount ho i tha W.60 nhiirum a d the dfHmrta wit be
bii" to the purchase aspnrnt of amour.
td Terrperry Rasa ilen IN Filters awga We meow the
right to not Mines any or all frwae dirges for any gwm
2. Aysrpt MD j aquas Onoluding Nwr lVdusMl.
a. Rnatce dirge, H calculated mutiply4q the dairy
bdrao of adh sepses a your account (e.g., oh
advrtce, pudrsa, ap.dal trorM, end ar-W pudhoao)
by the oorneaaodne dally psdode nmW clot hss boon
pnavbmdy to you. At the and of each day rkal o
the bB" prod va apply the pnbde eau nor each
> me m or yam aeaua to ge Wraa of stab
de noaJn W rltnssaft and at ohotS m period, a nal , up
?? a ao at theh. a odr
..,Am from fi m Mch S
finance change for your soars. To pot the dally balrhce
fa each wpnomtt of you aomua, rwhoyuko de eopwmro
ant cege!calorlat cWaleadlartrshda:j them Wou s
terclot as
city's Onart. WOaa aW
Payment r trsdta posted M of that day [het am allocaed
to that sWriers. The gwe us, the sopras daily baance
for osch amogmers of yo account. Hbwswr, if you pdd No
14- Balance sl? yo r prevhan statement In
Ad (a
If your now bolaraa tent zeta or • otadt amouu/, row
troraedorr wNch per m van ardrse Of ssedsi
WIN be onecew an the start dry of your bliq paced
GKh month.
4. AMewrwit of LOW Owylarit and Returned
Your acteua tea be asses[" no amore than two 01 Ono Yes
listed hats that Deer during any baring period tinder the
terms of yam wrmna apoamre. we mane the rign to
wdw a nil to assess any has hAthoui prior n"tc"en to
without waivhV our right to a- 1ho Mao or almYar
ell n ¦ false gins.
6. Your Mortars. It a membership fee
aft m he from of ails stnomrn, you hew 30
dap Nan the au gtia sunment was coaled m you to
avid paying the in or to he" tech In credited m you
if you arcel your amount. During this period, you my
continue to use your accent Wtheut hating to pay the
manbordip tee. To caned ~ secant, yag must
mMDWSFsp lee) prier to ill and of gas thirty-day p"od,
B. N You CIMt Yam Maaat. Vote an raglan to date
yyoouter acowa t e 0 our Curtaner Wallace,
Dapatuners. You must destroy your crack and" and
scceted across chocks, cancel al pFmnh k d bake,
and MassurYq you account. It you do not ancel
preawhotized 6Dltp arnnpsmrms, we wig censida
recalls of a dirge you autlnritatio::m
i?epen Yam
accetau. Addtlrrly, V. amass ha load
t , you pay d armotara you mate to imidng: an,
transactions you have atM":"",, ikhance charges, past
dud foes, owriMt tall, rttened paymra is", ash
adwnco Yes ant Z= ell ==Is
yew
ecostnt. you am ter ur wlagar
they appear on yam accarm a that Oros yywou reprn to
does the suxetra or they aro kLL'nnYlled swaegwm to
Vote ra luclto doll the axaam. This may mutt e
=_==2 amm awe b: A? a:1se v!:!: ...1
accounts if it hie alrssdy been dosed For emmpio,
if you authotzed a pwclusa from a merchant and
wo
moshm the trrdectien from tine marchers afar your
somata has been closed, you ammra vall be mapanod,
the amour of tie dtsrpe will be added to your orsoua,
rd you yWl be resprable for Payment. It them, H a
m too fa you aornrnt. de fee tea mrskme
tobo d=fit he lon pfmatnd by Hw, uaY da
nomurm w been paid In hM » dented bow.
7. You Atmut.Your ad or amanl cratot be
-lon re vferh with any Internet gemberq
[ra
S. N d- About Maimed. Cheek Qanr-mil- When you
to
use lin amatim from your dtawk to make a orrtim
electronic fled hander from your banit arcastt a to
Pala k the ppa?ymem M a dada trrracila? When we
use, halionfr? your dock W take an slowarlc
fund transfer, amount as som "the ire "? from, your bslnk
day via matte you
Wp1enz1ilrhd ==rot mochm yam dock back flan
BIWNB NONTS SUMMARY
(in Cass Of Frrera Or aeadre oar Your BW
If you Nick your bill H wimp, or N you need more
In/omnatlm m a trrtocdm a bill, writs to u m s
aepaau afhM x seen as poaslH at the add- teal We must
des h~ on the from at *h statement. from you no law than W days
hssr r
. era yet the
irri UN en vA*h the areal r prmer appeared You an
emu our Qrtmw Relations market, but doing so wp not
pprfe!sMr1tNN yaw do" in you letter, gvo u the ft %,**
Inlormatlarc Vora twat and account number, the dollar
amour of the rrapeam d error, a deseip w of the sna
and m rpanegen, N paYtlam?V j bdeve Moro ie
an error, or it You need tore a dacrlptlan at
the hem you are metals ahem. You do not hew to pay any
amount In question wile ws aro I M, butyou
am sW eW.MAile ostad to pay the perm of=lhri aro rot
In gatssden =9 or yaw =don, wo ranrt
repro you M dNMks any action to collect the
amount You question.
i,t Spacial Rtss For Cmdt Card Purdurvars
It you hew a problem tdN the quality of property or
;=* w hsiN a cmdt ad and you
in talgh to oortest ge preblam wIN the
merclum, V. my how the right rot Is pay to tanalrenq
amour due en the popery ar ssMao. Ya hew the
potaetlm aniy whn the pedurss pies was mad then
a60.00 and de padws woo made a yea hems sots a
wish 100 mere of your rno0lrq a V gale own or
opotsts the mrchata, or M 4008 moiled oed you the
adaedeothrrnrK 101 the a aortas all of punch purchases
R ronhmbeer tr AW aN ormsp d?ce. of purchase.)
t Does rot apply b consumer awe-eradX cad accanta
d Does ter apply so bta6aaf aary rs * cad aeeounn
Ors supports hiamagm privacy PmWdon: ses our
s at www. man.
Capita Ors is a leadamilly ngtnered service mark of Capital
Mead` ""m touhmq en a dally DMH, them cosy be a
slight wdree banasrh Oil oak Ld. and mho amoum of
b. 11 ifn thehsmvac a.zY.-n en. Oe -
ode or N appss ham of tNs swemam
ro 1 to'galahm lhn A L!'- mdtpy Ne
IrnpetrR Nstler Payments you mail to w Wil be Created to your accant as of the business ay vat rtlCalve It, =d d (1) you sod the Donn portion of INS stawnrn and your deck
e 1M enndossd remimannct enwept and (2) You Mymam H raaivad M w procasilasp caner toy 3 P.m. ET (i Pas. PHass slow at least 1w (6) business days teal postal dalvery.
Payments received by w at any, other location or in any other Yom mY omen a .r d as of the day we ecdw gam. Cur business 4n an 1, 1 V Ommtgt Snudsy, .dnq holiday..
PHass ub [hot aloe topes pear dips, ate. hNnanh preparing your W em. When yov and u s deck(.), you saarwhe us to mks a ens-time eeCrrcnk transfer debit ban you bail
W TO Make is the smarm 0M 1M rein TNs aunt Using the e ChWkto, GF draft Oft dutkq the bfty cycle twat if sent by somas on. If ws Meat process the varrier, you authorize
ten to m a dares agalnet your ba bs aooara uekte chec a p Paper drab a r ban.
CapitaloW
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• Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you
around for a long time.
® 2003 Capital One Services, Inc. Capital One Is a federally registered service mark. All rights reserved.
002
002.0803
PLATINUM VISA ACCOUNT JAN 16 - FEB 15, 2005
4862-3623-2057-3515 Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance $761.12 1 OS M DIRECT DEBIT PAYMENT $53.00-
Payments, Credits and Adjustments $53.00
Transactions W-10 Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If
Finance Charges $12.59 you have already made your payment, Please accept our thanks.
New Balance $7S6.01 Transactions
Minimum Amount Due $256.01
Payment Due Date March 17, 2005 2 15 FEB PAST DUE FEE $29.00
3 ISM PAYMENT PROTECTION 1-888-527-6904 6.30
Total Credit Line $500
Total Available Credit $.00 You were assessed a past due fee of $29.00 on 02/15/2005 because your minimum payment was not
Credit Line for Cash $500 received by the due date of 02/15/2005. 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 call Customer R&tions or to report a lost or stolen and
1-800-955-7070
For fore -11ne.aaonm sever and aPcisl antomer offer, lot on to:
-..aputalone.am
sad psymenu to: send inquiries I.
Atm: Renittonae Procmdnt
Capint One Senior Cophd One Semen
P.O. Bos $5147 P.O. Bor 85015
Richmond, VA 21276 Richmond, VA 232OS-SO15
Finance Charges Plate rxrevarxndefarimrportant isforsra6m
P4 Balmanraa PeneJw CemeMalnj WE
yef?6dto sdr APR
m PURCHASES $748.48 .05425% 19AM $1259
CASH 8.00 .05475% 19.80% S.00
ANNUAL PERCENTAGE RATE applied this period 19.8096
PLEASE RETURN PORTION BELOW WITH PAYMENT
CR jX 0000000 0 4862362320573515.15 0756010053000256011
New Balance $756.01
Minimum Amount Due $256.01
Payment Due Date March 17, 2005
Total enclosed $
Account Number. 4862-3623-2057-3S75
#9004745608401516# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 85147 lalul?lurlus?rlln? CME LOT 189
1p
Richmond, VA 23276 MEWVILLE PA 17241
N ?
]nlalu?lut?t?lusls]lullusllm?luuullalullanllu?al o ?¦
Please uriteyow aaaunt naraeba an yore dwl or money ordw madrpayabk to C4iital Ow Bmh and mail in Ax endwed ernulofe.
Pkmrpe;,et.u;tber Jl e,m.1Rr-ws.:ld?ay..h/ suayu a.u.,,k 8.4
saes
aq Scan ZIP
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EasnAddrsn
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to.
a Parid. Yau MN = miNmm prate podd of
mN Mtlhorr hwrcs Wrye o. new puwhora, row
hrnm tnynouf pMaynyeowuryodel grdreee and row otlter
or?danee whin the krwo?rt+r?t ? MvmNrb 6el«e.
N ti m fork lobs avdrod by your n aaulrtat
!ring d v treThen 114 Nrdprs kl4 H?ele b grew Palod
aN traesabn if you b rot PaY Hoe mW 'New
rnm:
^ip Fkranoe Chaps. Traranetbro wNd oro not
lec+ m • gem perbd M arsrad iknsrnm dupe 1)
n tlti bu or os t~?~ parr dr from the
hcaetlern to aeosred to you Account «31 from the
+ mmaro inlet you atis One lehelnae arfpsa, svof 11
pry de eldre Nwv paWue bdmmo r tM horc of
r autrrrar by tlr char atemrrrre rbmkp bre, hu[ t1d
m r ford b prwlar nhardh. UIpcW tkhams dtopn
added as Uro asepeabts rrrhR of your Aneaam.
be¢mkp belanoa of
tranrcdau m cad
or cradle. III the eoi
etetemem next m'E
subtract a nap
of each I TI
sepnah. Tltern, It m
roc the hpi
wrier or days N t
ewrage delft' baWe
3. Anad heartaya IOae
a. Tlhe term 'Amnon P?
APR' o. to front r
b. If the cods P tpdroel
DepoalO, «S lSrk
this statenlem Mfr,
"Iss old mnmyar
wt' wry gtrrtMy r
an r surd to me
JbunL oks de w
dockliodc rreW br ter thr 10 60, vrs
alnotx Net ml ern ww co
to dNalace
an,aaht lterr+ Ue w.so aicnarrt rd wi m
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b
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f d. Tarpaay Rtlralio. k+ flnrua tarps. We rorrw tl» oare
the ma
dpht it, not acre any « A frwtes charges kw -Y pivon
bWp WB be
each n
2. Avery; Bennis I New Mdasavl. 4. Assesses,
a. Nrnce chaW is ealaeatd na"plyInIt the d.NV Vow ace
Prover tie sylivent se e check transaction. When yro
tM IllfalydOn Into t'ae' e11eL'h m Irks MI alectfalla
bad Homier, knde try be YdNdnww }lout you bahit
axeur r con r dr arse Hoy tym , docyour
ii rocaiw yarn eMek beck hen
BIWNO IAGM SAO""
IN Case Of Errors Or OurOar Alan Yoe BIB)
I1 you Vide yeu hY M wrap, a If =, ad me
Nfomutian o.• trcreaedan a hi, m u o. a
separou duveta rr r prilm at tlnm adores for
hear ftom wit, no later than 00
wret 611 on which ==r, You fan
call otr Cwtarr but ddnp r vlN not
yresaw yap dpMa N youNnsr, piw w the lopw.lrp
In4ama+ierc Your tnrw ltd.aeout mntmb.r, v,. doper
amtean et the arpea+ed anon, • dsmedptlon o/ tr error
an n rop vot; , N Prm, I of you bolbw dero is
an am., or If N you road mom Nbr • deaedptlon of
tie ham You M tahatae abort. You do non Nnpw m pay arty
amoum N hlurtlan Mier we oro NVaalge It, bu yw
are, 001 oNHe1d m Pay the parts of YOIra tlN 1Ml fro non
N gwedan.lMlia vro knaaloslo 1wr gmeYo.. wa what
-port yon «u achy adlm to wpett tlhe
x,t Special Pule For Credt Cad Purchases
It you flow a prehlae MN the quepty of property a
envier Chet you twldn • erodt lord std you
!eye ttlad N iNN m sweet tins prohlem MN de
==Y% ew the t1yU sat m qt' the remeWnp
orry NNde pawn= or services, You have Wit
060.00 old the puldhre Yeas made In apex hang aorta or
Mtlin 100 +Nr of your M%. ackl- 01 ors own or
the mmrdna X or ho V. the
advsrtiso a=p7.--:
aro covered a loeltfo. of pureheaoJ
Please rarnerrdw to sign all mrtaapaManee.
t Does rot apply ro mnaanar aomar80 card ac-at,
i Does net apply to besbeas Awwodt cad vcrowts
Capful Ors v4vons Nbarisdon pdvacy protocdo: err M
e st VV1yW.eapiya? ee111.
Capital Ors Is a tebrdy rgstered wNce in k of Capital
C?yIUII One tl Corpaadah.AN tights .,.,L-'2003
1L.OLSAK
orapo aelN bdahm lor,he
b va+r acorn
aatemem, .
take the
ke 0. If you atrlw
man coot bY.
Y new rocelve rhs
and attb+raat arWet Htl?i aHe
an m Uhs hat ?xhr
r To,' we air and wi
ups N
alnhee
u. Ute CIV balanach
Mote
m hs dnrol
the dH balarnms /a each axwur bad
7.
awe cram a merchant ad oro
f- the msmJun afar you
hen aced, Your aoceh+r wW M (soporhod,
Ur tlr jrQp ef be coded m your vacant,
e napardc ra Pvyna¢. IF tlrts c ¦
e f« ~ vmasr, ds fN w0 oorrkam
Lode start by low, loon the
m h s beat N fill r dslkrd above.
crrart.Yaur and or acoaea weer be
ado. MN any kranet grd&q
Ekiebria Neck Llrrverafon. when you
ek r paymrr, you audrks u aNMr +o
an ham you duck m wke ¦ actin-
d tra ebr f ven you Will aecmt or to
edom Ties Owe ue fro
segment.
8.
!late' may appear as
UBM, C (Cortlweate of
W ycur
i andnp
mo.
wm
fry dadoaad m yam. TMr dwpes
n the Ala day of your bNnp padd
Owridt rW Battened Payaaat Fer.
assessed no most tun two of tM fen
r during any bike perkei Lkeler the
dears, ptxduse, yealel uahebr, aM ;pedal purdmo) tors of your mnoma aproemar, vro Ieaerw;Z=10
by Uhe mrrtafwdrp dept' psdorpe ram(q slut Iw boo.
evloml
dedoed to
ou
At tM and of each Ho
ikxbq
walw a na ta aror any fir WOW pda
1.
ou dd,t to nater the same or simper
Mlh-t welNn
W
y
y
.
y
blNnp p«bd apply the dal poriode nor for cod
y
? p
at a user tkne.
esgnat of yar
arrauht m Hr tlell
,r 6elahm of rd
eo
nent
Then a the sd e/ Ha hii
abd
we add t 5. Brw+kp Yav Accent. If a marhherclJp fee
PWm on tea tray of thM eutMM
you hew 30
v
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p P
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p
tlho renal of tier dilly aek;4tlorr m srtiw a .
dew faro the date : aetanent vroa mallad to yeu +o
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cu
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n
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ml your acc
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e Period, you my
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wrelhm mour. To pet the tfeilyy bo?un?ce
r-= Co111ires to tss you accent whhout Mvkp m DaY the
fa cad asgrrr of you eowtnt, i take the DopYSip manberdcP fee. To Canned yeu saaa+t, Vou mw[
balallw far OeCh aegnat and dd any now trarraWarr
w
( roUty, u by cainq err Qatotrr BalalWns Dapenment
d
BN
' N kYl
d
d
h
rhrnw tlurps rakdamH o. dq prov
aw
WW any dodo
day'; bronco for ter eepmatt
alN an
pay yaw Now
alxm
u
np t
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Nx
nbaeN fr) Pd« to ,M and or du W rtydeY P•dod
- «tae - paeW r Sowrod
A== 8. eu CWe Yom Aeeset. , can regrelt to der
,=
gmet. T. pier r the rPe+e+e dvNy bdahea
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h ==.,b y eapBp our Orem« WaUaa
p
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you r
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o
you prevlohs om+enun N fW t« au rou
roy ya
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a
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If you now balance vrom :M « • aodk amour). saw
hid
del
d vrd erne Let you atxwn. If you do not tunt:d
W
dtad bAN
ourr"
wrofddr
trap: re w
ur a yo
t Prt m You Ptr
pudur aet?+natc M rot added m tine daNy halathwt. We
th
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dd
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te a
np am
wv t
Pw
letxapt of a dupe you=W
Ualt to eapen your
ec
Addtlorhep
arn aceasr alp mar bs tload
o
d
y
e evora0
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y
enm
y s
rp e
o
ca
cu
a
,
e
a
balvrneem topetlur and ANdrp tln sun by. weber of u
y, y
c
.
r hntltMrp: arty
-0 you Pay a amaa
rho fret's M Uho Mrs hike cyde• To wlnaata your tad =7d,
=== row worm dupe, Pen
(nonce charge, you avenge bpY balerhce by rho
r h us,== fees, wan
pt' sdode roe
dap
d?
nrbor of dsye N the bp&p advance loss and ate. to your
_
:a
Perm Dhre m nudrp o. • dopy baala, rhos may M o atx:otnt. You aro naparwWle for Huse Mma r
Z
=
sNpht wdaroe botwern the ulalotlon and tho aroma of .
+hoy appear o. yew eemtar a the Uw ,
11"a'" tlspe aCllmy" rmrd
t
h
Z tlra the cDM or they aro krctamd atlWegwm to
tl
h
Thh
h N
b. I
t
e coda
« N appsoo r Us frog of this stnonom
netH mBalanm to Apppd To?we mdtiply Iho ?V your regret m
me r
o aewtan.
may rew
cherpr ap?eeip o. you aoxxnl alle?yeu Nerve ^t
Irrpatad Nodes: =hems you man tow wN be crodhed to yam aCa;nt as o/ is !;drop by ere racalw h, -,Idsd (1) you mad to batten P«don of Use seaternern and you deck
N Us, erMOmd ladtahcs "=, nd W X, W ymM is rowivd N au acraktp cans by 3 P.m. ET (/ 2 noon Pf). Rear ;Now n Nast lw (6) bwksr days to prW dWwry.
Paymans received by w at r loeado. a In arty otMr tam may not Ds arodted o of tM bdayy vw rrNve thom. Cur bsksr bYa M electlornk tarts M y trwNA Sa%Ndt?, exapd; q ho Ways.
Puar do rat we super paper d'p eta. Mon drtp yyoouur pmymam. Wlrn you mend w a cMekW, you sWedza w to mks a anrir bbk ham ex Wei
accaan f« de w= of de deck. ?'Ns atrUnalireii? apppaa to a9 dseka reodved Huip 1M blNkp eyrie raven if gum by someone else. If we cannot process Ova 1rarNr, you aWadze
w to make a charge against your bank acoarrt take the check a paper draft a ode ham.
027
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wh.YS M yowl wa8.t7-
see reverse for details )s-
027-002
Q? PLATINUM VISA ACCOUNT FEB 16 - MAR 17, 2005
4862-3623-2057-3515 Page 1 of 1
Aocmmt Summary Payments, Credits and Adjustments
Previous Balance $796.01 1 25M DIRECT DEBIT PAYMENT $257.00-
Payments, Credits and Adjustments $257.00
Transactions 54.44 Transactions
Finance Charges $9.46
2 17 MAR PAYMENT PROTECTION 1-888-527-6904 $4.44
New Balance !51191
Minimum Amount Due $15.00 We will be changing how we allocate payments and credits to your account no sooner than your
Payment Due Date April 16, 2005 June 2005 billing period. As stated in your Customer Agreement, this may include allocation to
balances with lower annual percentage rates (A.P.Rs) before balances with higher A.P.Rs. Please
Total Credit Line $500 call the number on the bark of your credit card if you have questions about the specific changes
Total Available Credit 3.00 to your account.
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To call Cmtomer Rdations or to report a lost or rodeo card:
1-800-955-7070
For free Online se oam -I" and special ornomn offer, log on to.
w .apitalonacom
Send payments to. Send i wru tc
Attn: Remittance Procening
Capitd One Seven Capital One S-io.
P.O. Box 85147 P.O. Box 85015
Richmond, VA 23276 Richmond, VA 232854015
Important Account Information
Please review the important information enclosed with your
statement and keep a copy for your records
Finance Charges Pka emerevaun&firimportastinnfo
rtn
arion
g,
?V
ro peneJr ?t
R ?
(:t2AltGE
PURCHASES 858110 .0542591 19.8091 89.46
CASH S.00 .0542591 19.8091 $.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT V
0000000 0 4862362320573515 17 0512910257000015004
Pl-p-l rV "w,-k6r k1-aeR`?? errt km&
New Balance $512.91
Minimum Amount Due $15.00 so-eu Apt I
Payment Due Date April 16, 2005
Cur S.ee ZIP
Total enclosed 3 Kom,Pbooe Alu-wPbooe
Account Number. 4862-3623-2057-3515
EmsaAdd-
#9007745608401513# MAIL ID NUMBER
Capital One Bank - MANDI MILLER
P.O. Box 85147 CME LOT 189
°
Richmond, VA 23276 MEWVILLE PA 17241
? .?
inlniuilnuLiindniiuiinniiuniinutniitiuiiuniinlsl °
Pkare raritayom armanf nsanbn on yviw checF or moary order made fayabkto Capita! OnsBan.Eand mail in tbsrnrkved rnrxlafe.
Send us your e-mail address so we can better serve you.
Even if you've already sent us your e-mail address, please till out the form and return it with your payment.
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Please print dwdy in block w blue Ink Youraddmm shoutd include an "®"sign and cannotcon(vin anyblankspacm A "."should hors Its own spas.
I Name: Account #:.,,,,__..___.,_,,..,..,
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For more information about our privacy policy, please visit http://www.capitalone.com/parent/legal/pewacy.shtmi.
CeW2 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved.
I--
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?7
1. How To A-M A Fihaa• tyhwg.. _ - -
t •. Or- Prod. Yam vpl hew a minkn m gran ported o1 oerkdlc am. To obtain the average daily balance for the
baling gall oowafad this matamon , we take the gar oeegsk if it Iw already
a>dn'plo.
if already eV frobeen closed m ore a merchant For r we
you Authorized ed a
26 days without Maas dr!pe - row purhsw, new bepfrsyp balaroe of each day,
ac
d
m
y
now don y
lat frofromUro
reniw the
K
of
Wm
baWhn VanaMe, new special pumJtaoe rd now Mher
h
if
'
' lrorweYaro to each eg.", and aWb•et
e
y
m
an
o
s s
ccount
a
boon ?
acco? has
will
w
?
?
?
c
arges
tau peV gar Met
New Baleroa
, In
aaaridenos with Ifr ht
ortra Nou
f
b
l or erode. (If the code N appears an tin Imm
f this
*Bd the a nouttof
Me charge w
W be
yo
ir ca•s,
p
n
or payroares
e
ow,
and in time for it to be credo,' by yam ran nltoment slxemem rote to
rtn Bate Appgsd Ta: we be
subtract arty unpaid finance char
e Included In the balance : Vpau w"?Y Im reaparible br partront. If then I.
e
es
rv
f
f
dosing dab. Theo Is no grace period on cash advances
rd apadN trarnmaa. In addition, rhea b m ?ce pstbd g
of each sept??t.l TNs rives W to daily balance at each
sopngn. Ttnpt, we add yh as Uu WdMavy bda- br each matt
r
p
ee
or you xxant, the fee wi continue
to be dut8ad, b the indent by IoW, uma the
aaant Infers Iw been in UY - denied above
m cry trevacllon if you do not pay the tad Now
sepnam for to wing PeWU and dads by the told .
7
U dng Your A*eo re
Yar cod or account caret be
- bdwcn.'
b. Aesdg Flans C h.W. Transactions vdWdn are not
nb)eet to • gran parbd aro •-e-ed Lrrn derlp t) number of days in the Want; period Title gives a the
ouraqs dsay balarnoe of escn sspmem.
3
An rah hiewrtag. Roos (APRI .
.
toed h comIectlon with any Imorma gambling
trarecd-
e
l
N d- Alma O
l
h
* C
l
W
from the deb of the transact{m w 2) from tie dabs tin
treaadlm I
d
A
3
fr .
.
a. The tare 'Anibal Peranteoe Ram may appeaer a:
' .
a
mn
e C
.
onmm
ah.
hen you
a chat I -
d
cI
r
a o
s i s ta
s peeea-
etetnt w
)
to your
om the
amt calendar day of the nnem biYin? period. Adwtlenely, APR
an the from of the statement.
b. If the code P Prime). L (3-me. LIBOR), C (Camgate of In
from Ioour dne
b
mks a
oh
electrode land trarlahm from gar bmk aaaorar a to
- N you did not pry the 'New Balance flan the previous
being period In full, In- dog" cordrae to some to Dap-it), err S (Brnkead FMma) appear on the last of
tics natamerri n-1 to the pedoac rude)
to pa, , promos tle ppa?ywrrtt as a drek trrrsetbn When we
tM hT
ti
f
d
c
gar upaid balance tsaa the updd blare Is paid In Aril. ,
miss and obri
* pafdrq ANNUAL PERCENTAGE RATES dnu
on
rom gar
e
k to make an elemreric
AM
nal ma
be wit dr
F
b
k
-_ This nn-tr that you cosyy sal owe fiwhee drrp-, swat if r
may vary ¢erudy a1tl?dmay ntx-ae or deem-e 6aesd ==,
y
awn
rom your
an
aeea- the nano day we nedya Your
- you pay the edro New Bdroa Imacow to the from of w the stated Mom, . toad h TM YYaF Straw " you vA let realm Vote tlneck back from
gar Statement by the rhos wurrent closing data, but rid
rot rip m for the previous menah Unpold Renee Barges .kaar 4 phi the magln pewletry aado-d to you
Them d
hagss wta be etbedw on to Am Wy o1 Yoe Ind -lot
==
- sro added m the rprrr of you Account.
'C
ed ", Wdod
hNlrg aovasd by Yam P•dodc axensu w deg BILLING RKYFTS SUMMARY
that itwrnieatr Fit
tc- rus
r. fp -dn Ming period minimum
gar a
b to • Urteeo corps, • minimum
In n moons Jreery, Asa. Jdyy and OebMr.
c. II tin code D (PAm.), F (+n0. UA W o a3-mo.
(1n Cue OI Fnom Or Owsdae Abaco Your BN)
I1 you thirb gar bN Is wrap, a 11 you reed
more
-
told gNaNCE t7
W
g
E
o
e
kn
pn-d. "do
f*0.60 w/ b
l
w s
h
LISOR Raploed MriaYl
h
a
p
p
e?m on IN from of your on
Eden-Um m a traraea. or 611, wlu to u a
ro1E
l
d
b
py
n
rp
e
o
? C
the P
. eriodic ratow b Mr Urn 30 60
" wq a6Uwt slut gd
e
a
e
and heap qrq baANN1Ai PEfiCEilf it4T?cma
taa
a possible
nWtilu den as tad
l
fIN
on
as
W m
,
myna from dot w.50 nhiim-n arced dot difference .111 be
baled b the purchase merman[ of Val aoatm,
td. Tam erary R.aatlon In iihrnee C2nate. We uaervo the y
wry rttadiy may krcreaae a carnal lased m wee
atnad Idea, - food in TM WON 3~ ?omW plus
the mardn puMady dadaaod to you. Thee dwgpa s
mM
o
I
e
e
at
hear Iran You ro Item than 80 W after we am you the
In g hA m wheA Ue error of problem aPDearod. You an
WI tie Customer Rdadaa matter
6u crimp m veil rot
to not teems any or.4 Mee. darpea for any olvon
right
?
r
lo
tL vin ba eNaeew on to Am day of War 6AIng period
each month ,
gqaeaoprvves Wu dp'da, n your 1 ro , dw u the follow ing
d
i
w
ti
_
t? 2. Awya
Q
M
y
ealrwa I.... New P rebaa.rl.
a. Fluaa charge Is alalaNd by
Ua cosy
balewe of eadn a
naa of
s
h .
4. Aswamrit of late, OvalirnA V RWnhd
You action f will be amemod no mars than tpwe of other M.
li
d h
h
d
i er your rhroa an
secant number, that dollar
n
ma
U- at not mad rror. a desedptfon of rho enrol
nplmaUorh, N paaWa, atWw Wu believe them Is
gp
seam
s.
gar Ila as
sdvarce, purchase, special traroM, and apeWl PurUtmel ne
ero t
at occur
ur
ng my blYhg period. Under the
tons of your cunemer agroamem, wo reserve U right to
o- an era: a It you road mom nbrrnnlon • doseAptlm of
the ham Yarn aro tatruro about. You do not how to pay any
n
ali by the corresponding daily poAOae rote(a that has Gem
preNaply r11alosod or you. At rho and of each Wy aerie waive or not to alma arty foa vAthas pbr n
tis an to
you wlUwt walvhrhp ow right w alma the unro o dmilor amazed n gu
k wins we sm cep it, but you
are site obllpaed to Ue nUhill that am wt
a
the bi114q pa ad vhs apply rho porbde a }w dh
-pews of yon aeewe m drddNMy
Wrtn of each Fen at a law, time.
6
r
k
A
e L If
'tR
Y
b
W
M M quesdan. WNIe vW Mwallyta
YOra quoatkn, wo cannot
y
sepnar. Thor x Ube end o/ tla 6iFrp Pealed, veer add up .
r
w
to
a
our
a n..n
.,
*
appan on the from of this summom, you haw 30 report you as deflnquwtt o t•ka
acU°n to naaet tin
amount Wu question.
-
the results of tom Wavtalasatiaa b scow at Wtr
pedodo hurry tiatpo For sorb ao{Pne t. We add tip the
matter from each as
rrtorr to mriw at th
t
ld
d
l It
deya from the dater this atnanan, wet mined to you to
evdd payirq the fa a to have stain 1- crooned to you
d
if
D
f,t Speed IIIs For Croat Card Pwdaen
g
e
o
pw
e
c
Mare charge for Your aecour. To got the daay balance
fa satin =
of aceatar, we take the begiowtg you tine
yo r account.
ube this period, you may
Contkee to too your account %%MM llang to pay the
momborNp too. To cans your acauan, Mete rout
If you have a problem with the quality of property or
mrvloes that
Fth
ou
rch
d
d
os
d
baWee agneht and add any raw transactions
.
sin Try ps?oae Lhrna rdrrps eelalaoed m the pmNua
W
'
b
l
f
ou
malty us by clang our Gstorne RNaUoru Depsrrar
and pay y?u kw 0alance' n AH (sptludrq the y
pu
ase
w
• Bra
t n
an
you
have tried In geed t" to coned the pm6lam with the
morchem, you may hate the rldU not to pay 1fe remaining
V
s
a
ance
or
r mprem. Ws Uan ahhrea my
oWhara m erode poxod - of that deg that em Mooted mambo. be) prior to th. ed of tin tNn cod.
Y'deY M
8. N You Chu. You Aaeam. You ran requw to dose amount err m tinpape rt seMea.
You haw this
actlall wean wee y or
than
Is drt espmher. Thin glvm tea the sepmab daily bola
for each eeprnea of your atmar. )bwehar, it you grid rho
Now Balnnos dew on
ou
ou: Raront It n A! for r,=' by aouGnome Rdetlo-
Y. neat destroy gar credit cordial and
a
o
r
d
k
l
l
l
ri
d bali . and gptlass m. "' == rte of wi of wur MAN
edn 100 merc
address. of we own or
y
p
If gar mew balance was tea or a roman error), now
r rr Which pat to your
le speed co
u
access
re
a, cana
a
presu
a
:e
ng,
and c-m Vow axwn. If you do not caned
horit
ad amngmeMa, M a o
merchant, w If %*
the
tlled you thl
pe advennertlee teI ou orem m 11or Ir p If e rry a es wan ro
erggmra-e
aro awrod
mrnt l
b
ti
ti
f
ch
d
pu
chesto
-va r not a added d to b tla dMy all do bohu%oars.
cdoulse
the
aloha Ube awrage Way bet." W rdarne M the daily y
mceip
t of a dare yam rtth on
" to reopen
receip accent. Addtlay, Youur -ua
acoa veil no, ot M tlaW
w c
now to i n
or
oca
on
oca
on o
pur
ase.)
Pce
a
pe°se mm-h6ar to dp as correspondence.
correspondence.
g balances tog.dler and dividing the wet by the number of
the deal I. the liner bObg cycle. To cdoxim gar tote umi You pay as
anetrhu you mw to ndud1W. try
trareactlar You law autlmAmd, Lame charges, pen
t Dea o not 4A* to coawmer ^oar'cr-W carol accorads
0 Lrre carpe, gar averapsea N1y Ideas by the
Uns raaMe m t h the MWhp
on a dM
b
d
tl
ba dos bas, ovelldt Ave, mhpced peytnam fea, ado
dwnn lees and arty tlar N- sawed to your
m
Y
S lbas roF eppJy M busNSSS mwmFf coin ecanb
p
Y
a
e.
nxe may
a
an tli taklledal ed Un0 emetrr of aeoam.
ou aro re opaLle for sham amams whether
hey appear m your accent at the Uses you roper to
w
One pports
nbnmNm privacy proteobn: -e lip
w y aweretL
b. peam m Uho from m the atnommt
BE= close the scoam a they aro incurred s bs6oluere to
Yap reenact ,o dam the accent. TNs may reset in a
t
w.cq
eat vvrrw, can.
C+Phta Ora la a y ered seMa mark of Capital
e, Appped To: ran mcatply dot carper appes rlrnpes yapaccent eAer yan a Corporation. PM A¢- reserved. a 0
?
raaaemo of Gpta)
1
L(iLB4K
n trR : P y a you min to a wVI be CmdImd to your account as at the busImes day ws receive h provided (1) you rand the bottom ponion of th statement and your dock
It. mvahoPe and (2) Ysu gNnett Is roar h era proeadre amar by 3 p.m. ET (I noon PT). Plea- allow st lean Uw (6) bakaes Wye to posul delivery.
PaNmnsma mcdwd by a at my other bca11 a inn my star form maY nn be cretlhed_ as of the day we receive them. Our bunker; Wye am MornWY llsoupb Sawday, ezdtdng hMdayl.
Plea- do not tae etpila pttpor dlp? sec. wh=%Z. q =:". nd a eheeila, yen a?1- 0 us to make a onetime aeaUatdc umWe dept from gar bank
seeoum For tin armour of the dock tfhle adIf tin bW eyrie own If sem by someone doe. 11 we cannot process the trainer, you authorize
w to make a large "Anal your bank account Wog In check, a paper draft or other hem.
586742
ARE YOU GETTING ENOUGH CALCIUM IN YOUR DIET?
FREE GIFT Do i Need a Calcium Supplement?
Calcium is important to help slow down bone loss later
in life. Its often difficult to meet calcium requirements
Especially for through diet alone.
MAN31 MILLER \ Why is Coral Calcium Special?
Coral Calcium contains a natural 21 ratio of calcium to
It's a $13.30 value and it's yours free with \ magnesium. Its made using only 100% Coral Calcium
enrollment in General Vitamin's Vitamin Program.
Todays Es entials harvested from
deep water basins off the cast of Japan.
See details on reverse. (;p=al Calcium Try It for yourself, FREE.* It's easy!
For Fast Delivery of your 30 day Supply Just sign and mail the certificate on the other side today!
Call 1-877-602-5550 A.d."a
ir-TSarykaew . With enrollment In 30-day trial memtwnhip In General Vkemin's
Vamnin Program.
or complete the bm* of We card1lode todigr.
Neat waoarwa n 30-eay iM nwrt m*V n Gw" VkvnWa VXamin Pmgmm Ttraa ttaantanu hsva not pace avMSOkd M tlr Foott and pug A6raasuatlcat
TMs p6AC[ k rtca atYrmed to taagtosa. treat, cane a ptavwa any Aaew.
Ca
Account
Previous Balance =512.91
Payments Credits and Adjustments $20.00
Tnllsactiona $9.10
Finance Charges $8.56
New Balance $509.57
Minimum Amount Due $15.00
Payment Due Date May 19, 2005
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
M.U.We Credit for Cash S.00
At your service
To call Customer Relations or to report a lost or stolen oark
1-800-955-7070
Per free online woount service and special a stomes offm, leg on to:
www.npitalone.mm
Send Payments to Sand inquiries to
Attn: Remittance Prwesaing
Capital One Bank Capital One Series
P.O. Box 790216 P.O. Boa 85015
St Lotus, MO 63179-0216 Richmond, VA 23285-5015
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
MAR 18 - APR 17, 2005
Page 1 of 1
Payments, Credits and Adjustments
1 o4 APR PAYMENT RECEIVED - THANK YOU $20.00-
Transactions
2 08 APR KMART 00077461 CARLISLE PA
3 17 APR PAYMENT PROTECTION 1-888-527-6904
$3.68
4.42
Finance Charges P/tareJee reverisri
dfo
r
r
smtwant imfarma ton
safe s
l
?
a
paiele co l R &H
? vdPo sak
o
m PURCHASES $509M .0948% 19.80% $856
CASH $.00 .0548% 19.80% $.oo
ANNUAL PERCENTAGE RATE applied this period 19.80%
? PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 17 0509570020000015007
New Balance $509.57
Minimum Amount Due $15.00
Payment Due Date May 19, 2005
Total enclosed $ -1
Aeoount Number. 4862-3623-2057-3515
X-t--f-r`rdiru-j"w rrs.J.dunp.M/eesarR kmL
S- Apt t - _-
Cry Suit ZIP
Home Plane Altaoste Phoos
FmdlAddtws
#9010745608401518# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 790216 70 LEBO RD
St. Louis, MO 63179-0216 m CARLISLE Pit 17013
1,llnnl6nrllltidldnlLnoLlriilLlLmdLllnLrld ;
Pleare write rzer acronmt number on yam,beef or--y ordo mallet yabk to Capital OwB a aid mail in the mdared emodopa
r
YOU ARE HiMM TO TRY
A FREE 30-DAY SUPPLY of CORAL CALCIUM (a $13.30 value)
Yes, please enrol me as a 30•day trial member in General Vitamin`t Vitamin Program and send me, at no charge or obligation, nay free 30-day
supply of Coral Cabium. I Understand Thal unless I caned during the 30tiay trial period, 1 w0 automatically receive a 90-dey supply of the
same product every three months for $39.95 plus $4.95 shipping and handling. This arnount will be bled to the purchmse segment of my
Capital One credit card account I understand that accepting my gift does not obligate me to continue and I may camel my membership at arty
time by calling General Warn at 1-800-323-8482. In arry case, I may keep the 30-day supply as a gift (please allow 4.8 weeks fa detyaM.
Redeemable exclusively by: MANDI MILLER
70 LEBO RD
CARLISLE PA 17013
Account No. 4862362320573515 Credit Card Expiration Date_/_
5spistidl dab and swe lure requred fa frocessing?)
Cardholder Signature X
(VYd only win ke ngnture). I author" Copid One W forward Vi coupon, WrOW ircfurlea my account number mr bissg purposes, on my belies b General Vaefm, t., writs,
presides 0* pucdct. Gen" wmrin, arc. t rut afWSted with capita On and Capital Ors doss not prmida a gurantos arty product or marks eraovn has. Ally trademarks
mentioned udn ame solely owned by to res .IW.il?. N nlghl3 meseyed. By mapon AV to gds ores, you may be eofmuteelig 111ormallon abmn yourad to the comtpany
that prntdas iris pmduel-Ia aanpls, met you ere a Capital One eustbrna 02065 C47aa1 Ong SWICIM Inc. Captsi Oro Is a *WW 1epslasd salvos merit, M rights reserved.
TO oroa uaeg a craml card other Vat your Capita One pfd. Ouse cal 1$77$6&5550.
For fast delivery, sign and enclose this certificate in your Capital One card remittance envelope.
DFB7
\?
Today$ Essentials'
COIal Ca1Cium
Disptywks-
t-
?m
s
oar
nss?
amp
Z?
O
O
n ??
? mN
ter. Gress Pafod. You wll Mw a mi imum gmee pedod of
25 dogs withour Ounce ties on new prxdasM row
balance Versions, raw spsgal pudwoa W row other
cargos If you pry yhae told 'New Bou ce, h
asadanca wem me Ynpaiant Notice f« par- baow,
Ned h elms for k m be credited by your next state -
daig date. Thee b ro W- period on cash advrtoea
aw n y tl.rafeoo. h edddan, do e r ne tress period
n my trareecdorh N Vau do rot pay des total •New
b. wuubg Runes Charge. Transaction nNth am nth
VaVhs del of?dre t?inssdlefnefran tutM dw in11
traroatUon b proceerd W ylr Account a 3) from the
floor dander day of tin amat any period Add do ally,
i?f? pyoeau old art pity ths'Nsw Babrhw from tlr pmvdaa
114 phried h N!. Manes deagaa antis s m - m
gar unpaid baleroe utt the sweW belaue b paid h full.
Thb mew Vat you mayy.0 owe NnY1W dharies, awn if
you pay the srdm flaw aelahpa indiretad n tie front of
gar eteWArdt by des road sumema It tloskg data, but did
met do to for to pre Iles maWL Unpaid Anence dampee
m added to to ssyrtaht a yo r AoarsK
t C. 4? kmss Fit- rv ages. For each haamg peeled shah
your aomum b weeks m a Once desrrppee? a miiram
motel FINANCE E of 40.50 win 6slntpowd N des
rotel fiherhee destpe and* f- de of
paiode row(sl b less [Mar i0 5o. " wiN ab[mct shot
amours, from fin W60 mnlrm- std fie ditreca will bon
billed to to ptodar sepnm of your aamut.
t d. Tatperay RaAMle i b Fbast tlarsa. We reserve tin
tight top 0n1obr damen any «an Ohba charges f« red Yvon
2. Av=DMy aelane. dhokarat? NNW Prrdeswl.
a. Finanes largo is calculated by nwidplykg the daily
balms of each will em of your accaut (e.(f., cash
ad-, phsdhwe, pmdel m.-fi r, rd """ pudewl
by the tonapa dilly pnode rstelel tint Ms bean
pahAaldy to you At t e and of seat day dwig
the bWkV mtod, ws pply air del podoAe mto for mdh
now or your apaant to thin Wefhes of tech
MQmaM_ Thor a Vhs end of des parkst we sold tp
flnana dares far acco ntt.. Too get
for each segment of yor accost, Twee take des baptmig
amid a , Ihrms drrq nlaetoed tMn pmAaa
de r'e for thus ee0mrr. Won then aMmtt rw
paymrm or «sAb posed se of cat day tint am Mooted
to tut serum TNe gives u tin wpsmts defy balance
for etch salinnem of ye r anCewt. Nowsvar, N you geld W
Now Balance alawt on your pratfalls submont In iA (a
if your row b*l- - zero a ¦ ersdt amou4, now
troraauoora wNM post a your prrdase or pedal
a?mdrdalyt a m? a d6obraw.gWo
baiacea tpwur end dtfdng to Nan by Ve amber of
des days h the arum bii d ayda. To aWAets your toed
flrhemha dhatge. mtttlplY YOIr sVmOS defy b Lana by t
ding dada rm and by iha mordw of days h gar bR"
po Due m ro rldift on a dally boob, sum may bo a
e iyt vsri rime botwom Vie alotssVon rd tlhe amoux of
mane des lie aoWy asasssed
b. If the code Z or N spaears o Va tram of Vas statement
me a m 'Beene nail Applied To; we m.4110V dr
bke the
f, add am new
aaromers near to -ba ersa Ill A(pwd To,- Ws ww
attract arty ,qWd thence tlur(p he ided h the be[-
of each ea .) This Sows u des daily bder- of each
sepnam_ 1Mn, we add rp d des daily bal.- for e.M
mmMmr ? iM uo peded and dvfde by the total
WMq pedod TN. dues u tin
3. Arend Parsetaae Rain JAPIRL
a. The lean 'An ual Pamcaeaps Rate may appear as
'APR' an the trail m slit trtannl.
b. If the code P Vol". L (3-mo. U50114, C (Cerdficam of
oposiV, a 9 Markcead PAne) appears an tin from of
: natwhat neat to the padod c retalel the 1 1, c
tea sad eormet?arly« r?dq ANNUAL PERCD(rAG RATES
an mho seems!! Mess, u found Ind The Wal S reef
J«and. Plae ilia maN?rr gdoudy dLdoaed to yaL
7yaoo tltapea ytfl ha w n Ail iml MY of ydur
. V WdoG sacred W_Va! P?dlfe.Ntennt adrq
a n Into case u p'or"), F 11-mo. uaOFg or 0 (3-mo.
uaoR pep I ManW» appo?a n des lien of your
staternen roar m des padede meta IM periods tee
arhd ANNUAL PHidMAGE RATES may
wN t z ieroaw a deaeass bawd n tin
:.ad kdeaa, a tassel h TM Was mmat./arYma? plus
tM margin pntfldy, disclosed to you. TMw dhuhaw
VAl bit effective n Va fist day of gat kl period
4. Asrwwrwt of lam, Overinit and asserted Payme t False.
yore account will be &$Ba sed n moe, than rwo a1 dire tow
listed here cat occur durkg any bung period. Under de
Iomu of yw aatomer sgaemem, war reserve des ddht to
wetw or rot m anew any low whhaat pion roti= Ion
vriArohx vahrng our 004 to aaaew des llama a suntan
err a bur sitars.
6. Yar rom of tl. If • menwnl y p ha
dapmn n the from of sur ame mame you haw 30
Myer Iran to data INS to harm war maned to You o
It yo cane doe 10e c b Mw ng tt e p cmdtyo le you
if you es IQ yaw Beaus. Well al period, you Mhay
ntomb n ti tae To err d y widaut haWg b qy the
m tiny - by foe. Ta arcM your aaeeam, you rut
tit,, w by 'Ne scar Chemamer Rdniau nt; the art
end pay you taw 9aleato' in kA (toadud^g iM
mammNap fes) prier to tin eel of ties dirty-day period.
& if You Cbaa yar Aeew L you can requ st to dose
yotN accou t by on" drlr Wnamer Relation
Depannnere. You Must Heaney your credit aur(a) nd
accout acc its docks, and M preauthadsed hahg,
an seam &W gas adcom. If pu do not wrcd
preau hodted bging asaoganwso, we vA c«dder
mcdpl of a carpe Vale aWerbaVen m
attests. Addidaroly, you aceatom wed nor M domed
ha a you pry an arrows you owe w indudhdi any
trafsecdow you haw aWarieed, Nrwhce charges, pin
due ewe, dwdkdt foes, mumud psymas few, ewfh
advance tam and any COW fen awmwd to C;
acatos. You are maporsias for dose Imams wftwher
tug appesr n Yaw arcart ar TIM time you tequeen 10
dose the amonn a they am I cwrod subsequesa to
w.?ppa&WV m y .hT ne ? t wit h
yw awsnmo • Pa fmm rem a mwt a o afa we
slits Vhs been «I from tin macrons sins Vote
accawt hm bash dosed, ya+ secant to M maccouter
1fio srtaotrt M Via tlamQa? WIN Ue added L your aCalaY,
ama yyoouu win bs laepaaste ter psymem If dare b s
maroaraap fee for your aeeawt, me fee VA ardlan
m be danwd, m air armnt pomttted by bed, ate des
access wlrae b.. been WId h M r da«ad abow.
7. Yar Aeaent.Vole ead a accost cleat be
tmsru viwh with any Years aemblkp
6. Il I Abort I]MYente Clank Ovewrsim. What you
proNde a dtsdt se payuwt, you aWhbMs u sidar m
elwt [tad tborMy udoek to mike a ar e4imes
proosu the ymant as • dryd aw etlWlalt ws
use Information film your tlhedt to make n slacttate
and transfer, aatds may be wdhdawn from yo r bads
amont a son u the same day we rases- yo r
payment, std you vAl rot laedve year dock back f .
year OharrJel Iraderiort
BIWN(i RgfRS SUMMARY
Ih Cass a your Or Oraedaa Abort nee m
In yrm Hart year for u yang, bi N yw farad mom
hf r." B o il vawctian a as, rape to w o es
saprwe shat a the a posit at tin eta for
hueddw dawn I fhs th- 6 title atatenex. Wto rut
fear barn you ro late [tan o0 ddaayws after woo sera you the
Nn a r C vomer 1M ear a problem t d*. d. Vau urn
aR our Cuatamer Rdadarr nurrbsL but doirp w war arm
prnerm yaw AgIM. h yo r ttler, ghe W tin following
nl formati«t your Mae end scoot" mart er, tin dollar
nnowt of tin s spected area, a description o1 tits arror
an n elplamatlon, n possible, of wttRh?yr you begevs thane is
n ear, «If you need mom Informs[ a doscdptin of
tin hem you m unae ahouL You do tam haw a pay shy
amount in vritt war m hwAmtlno h, but you
In M 0-e ply err pens of gale mf [fat am nor
a ws Maamlma W« 4aedon, war canal
amlm you flues r cake any action m salad Va
3,t Special Rule For Credit Gm Pudases
If you haw a problem with t o q ality of prpny «
10rhiCSa dot gels ptrdhesed re a o pr wfm 1 o
tare tAsd h good Wm to tteect to
mordhart, you may haw tin AyA fast to y tin remaWng
amount des n Ow my a ssMas. You haw Ws
top cdn oN w purdaww pace war man Own
width f 00? tmIWM e1 m made In yea home sate «
operate tin maidens, W i1 m W youO*. own a
aduolleon«tl f« 9r Is err saMLw an purdaese
em tawmd mgar es of matrd «i;-eT t of purchase.)
Pbaw fannentber to el1Fh al o«apohMdence.
t Does loot IAWV b Canrantor nonwedff Card &ccoaata
i Does last 4AWY to bnabeaa 1amYJaa9t Carol aCaant9
Ono nppoM InbmhNn pdwcy pmecrbn: tee ow
n www. orhto.oom.
Cron is o ally ?uarad earlfa mark of Gpul
-W Cotporaticn Ant dgk- raser-L s 2003
GILGLBAK
hit font w you min W us will bepa?s~ to your axotm as of tin bwkow day re msdw h. provided 11) you sand to bolas pardon of Ws a asses and yor check
Paymms mdwd emmilops and 12) Ym M yn am b rsdved h ow axwaka press by 3 P•m. EF (12 roar PTt. Please eltw n Iww flw 15) kuMaw Mn to po.al a.rwry
W u s al arty other Iocadan a ally odor Tolm mesa rat M cmdisd_ as of a n MY va mdw them. Our business days m Mo day lltough SaksMY, nadtdng holidays.
A do nos caw etplea paper din s rkg an. Wton sad a a tucked, you o V d- to to oaks a nr/1ne decuor a trwfer debit barn your bads
accow i« tin amwn of dhs dock app ai to a i daces lwmv*d dump the bWM cyds ewn if sm by Nan ow. It we cmai
w to make a cheeps prim you bank acc u t uakg tin dwak, a paper draft or of or hen. Nooses the Vao/tor, you aWaAie
027
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Capltag PLATINUM VISA ACCOUNT APR 18 - MAY 19, 2005
4862-3623-2057-3515 Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance 3509.57
Payments, Credits and Adjustments $.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement Tf
Transiactions $62.79 you have already made your payment, please accept our thanks.
Finance Charges 38.94
Transactions
New Balance $59130
Minimum Amount Due $9130 1 19 MAY OVERLIMIT FEE $29.00
Payment Due Date June 18, 2005 2 19 MAY PAST DUE FEE 29.00
3 19 MAY PAYMENT PROTECTION 1-888-527-6904 4.79
Total Credit Line 1500
Total Available Credit
C
di
Li
f
C
h 3.00 You were assessed a past due fee of $29.00 on 05/19/2005 because your minimum payment was not
re
t
ne
or
as $500 received by the due date of 05/19/2005. To avoid this fee in the fixture, 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 caB Customer Relations or to report a ]tut or stolen card:
1-800-955-7070
For free online aoooum ser i. and spedsl .t... .9-, log on toe
caw "Fit lone.aom
S..d p grnonb to: Send ingairin I.
Attn: Remrtmnee Prooening
Captd Om Beak C.1iul One So,,;- -
P.O. Box 790216 P.O. Box 85015
St. Louis, MO 63179-0216 Riebmond,VA23285-5015
Frnaneo Chatga Pkam rem revarreti
dtfirimjsrtanr infamstion
s
AYA.& V.
rn c
fPR g
n
.
PURCHASES !514.79 .05425% 19.80% 18.94
CASH 8.00 .05425% 19.80% 8.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
? PLEASE RETURN PORTION BELOW WITH PAYMENT
Plus, take advantage of other special offers developed especially for you!
CapiWo w•
svhaete In your "Mou-
027.04M
AW 0000000 0 4862362320573515 19 0581300020000081303
Po?rtrmf .rnga& as w-,, tAwWrkele „gt?, wRwkm&
New Balance $581.30
Minimum Amount Due $91.30 sueee Apt e
Payment Due Due June 18, 2005
City Stitr ZIP
Total enclosed f Hoot. Phone Almmatepl-
AccountNumber. 4862-3623-2057-3515
paW Addm.
Capital One Bank
P.O. Box 790216 1111111111111111111111
St. Louis, MO 63179-0216
III 111111111 sill 1n111s1u11nu1ir1uII 1111um11111u1n111
#9014045608401519# MAIL ID NUMBER
MANDI MILLER
a• 70 LEBO RD
o CARLISLE PA 17013-9326
m _
° 1111111111111n111111II I19111I111911 11111111 1181111111111
111
I
Please ru,iteyovarosnnt .stub., on yovcdai or money wdn asadrpoyAAk to Captat One Bank and mail in toe emAmadenwrkfe.
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*6 J*
...... W ?S ....
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Pkasepdntdwdyinbkckorbiueinkfburaddmushwtdlatudean *'stynandmnnotcontainarryfNankspaca.A".'shouldhavef6olmspaa.
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W002 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved.
I?
ate
L
g
of
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t.
-mWmtan grace oodod of
balance trrrtem, new, p-W pudhame and new oher
'Hew Balattu', In
dhanaa if you pay you total
sotardrha whh do krperow Norloe for paymrve blew,
ennd in time for it to be I by Vex ton stawmelt
tpedY tr:M s no amllon?mere an Cash ad?mncas
two asea Pabd
an any trsw octlm If you do not pay the total -Now
bdr ce
b. eemkhg Fkrae Cho%*. Tramacdara wtech am not
fmm air mesa
)
ham the
transaction Is proraasd to mea ad to your hr Am cohrht rd or air 3) (ron the
y the stairs New a nom by the nsub wowam
yyour aa
?
rot des w for the pasrba mad,
e added m thep?eabie
tc INhkhmsm R. Oasge. is
your aooaat k subject m •
tome FY14c C 01486E of 10.60
tota
woft l finance nee dr is ga than hem
k.6 the i0 60i
* t tnom ram t dhe w.6 nmemi
hpurchase emW p to the a
e&w of
t d. rigTemporary ht m o ReiWO6ndon h Fina *
alga ppanNdooyt awor d any or r .1 w
2. A ?R n?ir cell rhaealt.. N
balance of each osgnem of you
advat". Purchase. special transfer
Y dm dolly pwloft
l1'Pvbu.
the Men period, we apply do phi
sepnex of your wuvr to the
sognwrt. Then n V. end of the
the ,cram of thre cdoded
Irenonce charge for esdh
finance dwW for yen account. T
for each aegttam of year account,
balance for each asI; ad app
and aMr firhahea tlrrp
days for that ae- IN
pymehm or -dim posted w of
to Mat wgmee. Thu gives w the
Nave B.Inc?e?tifhowvh m y aoeaan.
if youraw labrce vaszem a ¦
transactions which pow to your
e =="*dX balance
ere
w rte
pinup Mlsrvx of aadh seprwr
roaetaa m earfi Is NN'" acid
cement M d i Is N i
dement Iharl m'adanu"RatCe s I
each ch any tapstd firnarho alvs dupe
w ce t.
se aemwrt.) ihia
3. Ammnl Pree.w*V Rai
a. The term 'Annual F
APR' on to hart
b. If the code P Rdmt
Deposit), or S (Berl
this ststemom nne
Fat" and conespen
may vary quortaty,
for the if a
any now m dw
Cents e.COen
a to amo
dla balance end you
of each to be fh
and dvkle by the foul
adott This gives us to
segment.
Rani may app.., as
toward.
U11011. C (Csrdfieate
uted on the lrtnt of on the stated vices, as loud in TM WY &mor
Closing dam, but dd ycu.
Jared, Plus the margin pnNOWy !=-
lrpald fierce cnrges y
These dwges coq be w mor you
t al Yau Az+cp.t. belt plod uuvarad by ymr psdodc statement ending
bIfi ad that
k
?
c
k
1. the made Janus yy
B0N October.
If the
d
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LIBOR Rolodeed Mom" n; on tM
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ANNUAL
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frae ce will be wry?=klmws or decw
aa Dead on the
w account. scored Muss, w Land h TM Wig Shoat Jarrm4 pWt
aU . We rosone ten the morgkn prMawly disclosed m you. Thew ,damps
m charges for any gi- will be olfeadw on the drat day of you biairp podod
each mans,
Iuelrewl. 4. As--ow t of Ism, 011~ and Remand Payara inrn.
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N
4
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te
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Me
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ed how the ? any bea tp pe
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waive or rot to awes my law tvlewra prim natiffiatan to
t
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ea
prlodc nu fosp? out vm
ng our
ot to cows t
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m
ar
Cu loo at a Inw lime.
balace of ?och 6.tRrawiig Yw AowuuL of. m embemtip in
porlod, we add up appw
m on
tfa ham of this statement, you
haw
30
r to arrive W
- iron
days
he data Mies aerates was nW
bd
to
ysu
to
W
O.
at. We avid pybg the fee or to have such fee cmdted to you
n ter teal pdode if you "met yew account. Dung 0" period, you may
o got the dWy balance continue to hue your aeemnt without having to pay the
we rob the begining membership toe. To cencN yourateeau, you moat
t
any row trrrmilats notify to by calling our Groomer Rdatoa Dopan.
laJated on the previous
e than subtract an and psi you Now Balance' In fey (esc sling the
memDetw
Ls)
dw to tho ellof the tinn
-da
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y
hat day that am Nocamd p
p
y
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y pro
B. If You Close You Mown. You can req estto mow
a"- deny bdree
alm tin
rioh,ever
ou
if yywohrrr accent by carp ester Ctwwar flNetlea
artrnant
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aeeaw ocaw dace, canal all pmawhodred billing,
aadt mhwnt), row rd caw you smut. II you do rot anal
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d receipt of purge you ter ration to we y
a
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Addt
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y a
Man by tin reecho, al M
t
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each
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,
arrive
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balares
aeea nt.
on
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until you Ply all &nw nta yep owe ce bhcudng. any
to
a awy ewe. fromemay em a teem. rote are responsible for flaw amenu vaathe
s eelnl 6oh ahd th ameut of they appear on you aeceam at the lima you reµan to
awed Clow the account a they am fr a red maaeprm w
on the front of thM statement yea ,aghast w maw iha annum. TNa coy raault h
had ..., we and y the tiarp:.:wap?eadng m ywr?xant afiayyou law
aa.,.....r h., .,.,,?
7.
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a purJwe {tote a memJustt and we
wkn tram the mmdwa alter you
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h mega well be added ya? s,. ro
s ear paymw t. i f there b e
For Y_ i a
a yew acesunt, ohs
aaL:wn fee coil mahue
as a nc p. in to, by wive well the
has lean Pad F ac mauled allow.
mwit wWkrarbt grnblingg be
Garde C hook Co weralon. wrlhan you
a Peymwu, you ahrlndxe on alu.. w
ore your meek w nab •aro-drne
prom ma pay= as n aPM* trrraeea, When we
use ? tether fi? you rirok to mob w nleetrorie
may be oLyw reco vvoto bank
account as soon as
Y a y ky U meshre your check .b do from
BIWNO FMGHTS SUMMARY
(In case Of Enna Or On,wtlons Abe Your Sfi0
If you thb* yehr bey k veep, a H you road mom
Informaton on • tnroaet{wn r 1,11, vnm to u m a
separate stet as soon as pewda at the add- for
tnrskdes down an the from of (hie statement. We moot
fear irae You ro later then RO ddaayyss alter we am you the
first tlfi M wfddl the aror at prohlmn appeared. You ten
cell our Galatea, RMatlora mseba, but doing se will not
preserve yew rights. M Yaur latter, give w the idlowi g
ntonmasoo you rustle and aeeoue rmmber, A=1
of ,,paned error, • daaetpten r
all an e>plmutleh, H paaalhb, alWry you = tMm
w error L
a If you need more Nbmatian, • dwcdPtlon of
the hem you aremecca alma. you do net have to pay cry
esteem M vhe are ImenkaWO h, tut you
aro see d lad to p.., hAmetMlpuane of Ymgr_olar lNt am not
In question. vase invent lr yourct on, cos anneal
,pat you as pNnpwnt a u arty a to comet the
amain you question
l,t Spsclal fines For credit GM Purchases
If you haw a pwbbrn Wth the quality of property or
tl4r tFhn you Nun a aedt Card and you
Few triad ti Lida to aorreet the problern with to
mordwht, you may haw des dgim not to pry, the mmaNng
anent d us on the =lty or 0"Coo. you he" IN.
prolaeton army emn tha ptrd'wwe pros wW ntero than
460.00 all the pradaw wa teak in you home state a
w1Wn 100 Win of your mNirg addroa. Of we owe or
operate the merchant, of if we meted you the
adyerWmmm? for the property a as N purdama
am
PI-se w -be, e, m to sign of( N am eoennsp baton oT purchaw.)
aporhdanccs.
t Does nd eppl y m oo,vaner nom 00 COW aacoanra
t Does AD? apply to buabass mar-r 11 Cad ocmunto
CdUI One atpports Moon ,don piwcy Proleeaom see our
vw?he n www. oast.
Capital Oar Is a _ Y registered service mark of Capital
b. It the code Z or
Imparted If.tae: Paymsms you mN m us hey b cmdtW to your account w o/ the bnro4haaa day cos nostw fy proMdsd fl) yw sand tlts ballast prtbn of tin suteretam and you dock
M rues arhtdosed tsmlttruu emNOpe and 12) yw Wynam k realwd h our proceWag career try 3 p.m. ET (1 rote PT). iMSaw allow n maw eve l6) lacier days fa pastel page ry
Payments rsestvad by us n arty Mar beacon a In ay otlar form may nm M cmdted as of tM desyy vw,acme /Mm. Our buakaaz days are ModaY tlrwpth SaeWay. mrdudrhp hWdaya.
%aase do rest taw suplw pap, cpp ate. hvian pnpaAg your pawnem WMn you sad us a ohaekW you ahModo nw to nab acre-tkno abetraio trwebr mall Iron You bmik
accean bas rues amour o{ the aMek nThM augcdxatwn aplass m W cMcke reamed putkq to biRrq eyds wan it smr by eomaons alas. If we cannot Proosss tM lrarrLr, you autlwhlze
use to teaks a sharp egdthst your baalt axwn tatiq tM dank, a paper luau a Mar hem.
Financial difficulties? at
svhatls M your taadMt7•
We can help. CaP"a'aw
• Good credit can be important for getting an
apartment, a cell phone or even a job.
• To avoid risk to your credit rating, call
Your account is over i-Soo-955-66oo to use our free Check
by Phone service.
3o days past due. • If you prefer, simply use the payment
coupon below.
00 • 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 rolled 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. 041-0404
PLATINUM VISA ACCOUNT MAY 20 - JUN 19, 2005
4862-3623-2057-3515 Page 1 of 1
Account Stmtmary Payments, Credits and Adjustments
Previous Balance $581.30
Payments, Credits and Adjustments $.00 Transactions
Transsedone $63.43
Finance Charges $10.35 1 20 MAY OVERLIMIT FEE $29.00
2 19 JUN PAST DUE FEE 29.00
New Balance $655.08 3 19 JUN PAYMENT PROTECTION 1-888-527-6904 5.43
Minimum Amount Due $155.08
Payment Due Date July 19, 2005 You were assessed a past due fee of $29.00 on 06/1912005 because your minimum payment was not
received b
To avoid this fe
the due date of 06/18/2005
tu
e
w
i
th
f
d
h
Total Credit line
$500 y
.
,
e
n
e
u
r
e recommen
t
at you
allow at least 7 business days for your payment to reach Capital One.
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash S.00
At your servkc
To call Customer ReLtio,a er to report ?bst ..W.
card:
1-800-955-7070
For free wdine sommt service and spedal outoma *ffim lot on to
w -p6donteom
Send paymelrom: Sodinquiriat«
Attn: Remittance Pmeeuint
Capital One Bank Capital one Service,
P.O. Box 790216 P.O. Bea 85015
St Loma, MO 63179-0216 Rid,mond, VA 232954015
Finance Charges P/LOlL7ll1l9LrfLfldCfO/ l1ApOrldAr fAAlOr1oA
BdlAnmft PenadA C?+eyaw L?.µp?
d
r
b
?? ?
ie
"
i
rah dPR
lrr.
PURCHASES $61539 .05425% 19.80% $10.35
CASH $.00 .05423% 19.8096 $.90
ANNUAL PERCENTAGE RATE applied this period 19.80%
V PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 19 0655080020000155081
New Balance $655.08
Minimum Amount Due $155.08
Payment Due Date Judy 19, zoos
Total enclosed $
Aecou nt Number. 4862-3623-2057-3515
Capital One Bank
P.O. Box 790216 Itiniulslllurllurl
St. Louis, MO 63179-0216
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MANDI MILLER
N 70 LEBO RD
O1 CARLISLE PA 17013-9326
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aro .0 ohlgaad m pay to pane of you _ klf that aro not
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finance dap. for your ,sours. To got to dolly balenos
fa each aeg,ners eT your.aeon[, car rob dr bgrrdnp eoronars to Ire Ya+r aecoup Wthohtl hovkp m Ply the
memberlip tae. To cached V. accaan
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card 1 prosWedxW pMhp vdtih 100 rx?
Nes of yawmaitq addnu. Ot we over or
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b. If the sole Z a H appeen an the from of this .tateman
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Capital One Is a federally registered aMu mark of Gphal
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Balahce Rate Appllsd To: We = the ==F==m yoir aeaahl after yen hew
to ba cloud or the race ins of One linsrdal Corpaetbn I dyms reared a 2003
Caphal Otte O) LOLBAK
YnpMarp News: Payments you map to u -Al be ccroMedm you accent apoofoet?MibgcmdtaA wksa do vas roaiw h proNMp?d (1) you mad the bottan portan of Ws, statwnaM au your deck
kn tut rs sec Hall re dtatw t --y q k IDden a Your heft ? ariatam nayns bon as ce me ofthe day mohm tem. Oububu oeodadayss are MaWav:-uhf grp=Yo.
Paymers ved by u neery other bce y we y
n. d==. atkq your cayman. wren yw sad w a tlsekW you mudedas w to rake a onetime sWctrod trarafer dsbh nom your boric
account the chock Tape autlerixarlos applies m all cMcke rooeivad dukq 1M WMhp eyda even If am by sanaan at". If we cannot pnoas the traahr. you atdedxe
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027
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PLATINUM VISA ACCOUNT
4862-3623-2057-3515
Account S
Previous Balance $659.06
Payments, Credits and Adjustments $.00
Transactions $34.63
Finance Charges $10.79
New Balance $700.66
Minimum Amount Due $200.66
Payment Due Date August 19, 2005
Total Credit Line $500
Total Available Credit 3.00
Credit Line for Cash $500
Available Credit for Cash $.00
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Attn: Runittanee Processing
Csphd One Bank C.PW One
P.O. Box 790216 P.O. Box 30285
St Louis, MO 63179-0216 SLC, UT 84130-0285
027.0402
JUN 20 - JUL 19, 2005
Page I of 1
Payments, Credits and Adjustments
Transactions
1 19 JUL PAST DUE FEE $29.00
2 19 JUL PAYMENT PROTECTION 1-888-527-6904 5.83
"You are a valued Payment Protection customer and may be d igible for benefits to be paid to your account in
cases of disability, unemployment, and death. If you have experienced one of these events, please all
Consumer Membership Services at 1-888-527-6904 to we if your situation qualifies for a claim. Your account
is 60 days pas due and your coverage will be suspended if it reaches 90 days past due, as stated in your
Payment Protection agreement.
You were assessed a part due fee of $29.00 on 07/19/2005 beaux your m;n: „n payment was not
received by the due date of 07/19/2005. To avoid this fee in the future, we recommend that you
allow at least 7 business days far your payment to reach Capital One.
Fu=cc Charges i
n
Pleader reverietide fir iimtwantt
fkmaat
ionn
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Penes. C0K`AP r
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CHARGE
,W
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g
P rs
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PURCHASES S6602S .054154 19.80% $10.75
CASH S.00 .0542S% 19.80% $.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT V
0000000 0 4862362320573515 19 0700660020000200669
New Balance $700.66
Minimum Amount Due $200.66
Payment Due Date August 19, 2005
Total enclosed $
AccountNumben 4662-3623-2057-3515
Capital One Bank
P.O. Box 790216 j 1111 i 11 j li 11 ij llll
St. Louis, MO 63179-0216
isiiunilsutliiuriisinliansisinaii,ilnnsiisnninisj
Pl-t-dsnorrg-,Ar.r-VH-orKkk L
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Home Phone Alw.- Phoma
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Q #9020145608401519# MAIL ID NUMBER
MANDI MILLER
70 LEBO RD
w CARLISLE PA 17013-9326
m
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You wtl ttiwmiNmun pram podd of = Imvan
26 days widow Marco charge on new putlhoaea, row bbNanoa a
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drrgee It you pay ypr mtY -Maw Mrre', in « aedt L Of tba a
and di e r with Importam far ke to nbs aodnd ? f« paymatb below, instalment next to '
by yo r nwd smnrnrr rbtract any tapald
toskp dam. There I. ro game period on a h a&- of each )
ad apsdal trrneiro. i .ddtlan, tram fe ro gam period agnate. Tian, we
an eery trarrectlon if jou tb rot pay the real 'view number f the MB
b. AowAS Flame es Gage. Trrractbr which an not ember oAsdy bs ?n
ahtfea m ¦ gram period am armed Anrhm charge 1) 3.. N
from dr data of U. tmne. J- or 2) from U. can de a. The term 'ArasW F
trameaetion Is «oepeW to your Aa:ant «3) from the APR' an the traw
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if Vw aid not pay the 'tisw Bdree from aide psviar Doh,, or a (Bid
blip priad in full, tn.rtm Wrap cadme m aeons to IN. matornord next
jar unpaid laaWhos LrA IM unpaid balance fe paid In lull. term and eoneq-
I No nrs«e that you mayy adA owe lkwri ehstgr, even if maY why Quenedy
you pay to entle New Balance kdeatd on the het of an 1M atnd khd«
your alatantlaft by the next statement dealing date, but aid Darn( plus to in
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crash «decrease based
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if you ahalnd-c! • from a
MW rthatiw the tranaetlan ftae them
ma aaaurt Ica barn tloeed. war .an
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mrlyd?yoour vat be
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pomaatMymat r • deck trarneoetiah. we
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BILUNO RIOMfS SUMMARY
(in case of Errors Of Q e.dar Abaci You BR)
If you tier gar heal M wrong, ear if give nest more
IMOnnseen on . tr-.it- « bet, wile m us on a
sops te sheer r caw .. possible at the acidwm for
Incrirlr a- an de from .1 INS ammintorL We mart
hear ham you ro Iran den e0 days after we am you the
4,1111 IM an vliM the char « Problem appeared You can
pcprarall ourrrc11M«n« Rdagae number, but ddrp w will not
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an aplw?.don posance v?vAAryry you b Kew th n Is
M arm; or M you need mow Inform a dWdptiw of
the heart vou.m earth Wan. You do not taw to pay any
.mead i cards wre .m invank.tlro h, hul you
.ro uaw a Id to payyx ?e?pa.?M of,
F_?hed cut we c rat
In gus.tm, tw ka = o ran ? vw canal
am?aant?YOUrctueauearm a to arty act to dancer the
i,t Special Rule For Ghat Card Purchases
If you have a problem with the quality of property or
aavlae [het =rd,.-=d s erect card and you
haw raid N th tle pahiwe with Ins
--,-hem, you may hew tha right -1 to pay the ranaWng
amount dus an the a wham.. Yw hew We
prol.etw eNy wtun IM p?adu.e prize Waf anon /hart
whi 100 tie pndew wen made y. Of bane wino or
whit th ffAm &I
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Fleaw ttllanber to sign air come padallm.
t Does not apply to meaum« non-,radar .d aecon.da
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eras added m 1M anprat of gar Achart. I row 1W m aTeeaw an in 7m daV OT Vote
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rom of Vau
f1.1aIMn1 Mxl to the
pellade harp
p
Denidc retefe) M er then ?O 60. ws wi atbtreet that and ca erdnp AM IAL W may
490A
omout from the $0.60 mHmtm and tM difference will be wrv v aM may Inemew «demeae, based an If.
rt.
heed to the prdrr e=f
cc alStd as, as tared in The walf Street Jarriat pkr
td. Tirgrry Rwkraien h I. the
=
. ft margin PNOM V dadoaad to you. Thaw dwpae
right to not area wy or all than drryr for my pavan well be etfeceve an " tie day of Van tlip Paid
blernY
2. Average taMnee IYWtip Naw Pvdhrsal.
' each monde.
4. Aiaaeammt at late, Oveini rd Round ==F
Rnance Wage 4 c.&
d by mall de dally =,
You wcant will be miamed no more den
balance of each aeprnen of you arxrh.t (e.g., caW Rated hen that oast during my blip padod Under the
advmm, p mlaar, aPadal trarefer, acid aPacJal p
=) tame d Mar wnahh« agrwnem, vre I.rM the ridd m
by to eori dally periado retefe) fiat hm
ravl
m
d
4
t
A
d
d
f
c
c wales to arm amy 1eN wlllhohd prlW ledtkadm to
IW
M
p
a
y
x
nD
o Veal.
t
e an
o
h
oy
ea
the telling maid, we apply the 6A =raw for otrlx p to erase 1
same a abnllar
==. w.
time.
"Wee, of vow account to air balers of wain
.e
rm
Then rot to and of t
l
d
dd Sjllarewbp Yau Aeoseet. If a mmisraldp The
h
f
f
N
ha
p
.
e
. ws o
up
r Pa
de raslan of the dY1l. eolulotlon m arrive =the
priode trnres W
m t« sadn w
nat
We add t
the opp.n an t
e
rom o
t
a auternm, you
w 30
dap iron rim dins the autrnam vws m.hd to Vou to
avoid
it
t
th
h f
d to
i
h
q
p
.
q
reran. from each segment to e.I- a it. told P.A do o
s or
ew suc
ee en
Pay
ng
e
If you cancel your aawad
Duke this period
You
m
id
Arens charge for Van arrant. To got 1M dally balance .
,
cent iua to
case your .tx:onaht
pay
t
he
vttheu h
whevkp to
.
for sadn agnrt of yaw
take tha beginning
atmwht,
we mambenNp
pus
a
be. To nancd give must
h
belrhre f« satln segnsnt rd odd e
Wy now trimmed" notify us by calling our Customer
Ralaeae oapartmem
and mV finance drape ealaeatd an tM previous
id and paY gar Never Bnlarhm' M Tae (excludng tM
day's b
. br that rpnwt, We ern aub0aa my momMmip tee) pd« to tM end of tM Wry-day period
Paymona « m ft posed r of tr[ daY net .re Nlomted Q N You Cars Ver A.. You cm roqurt to cow
M to
io dirt rgrom. Tide ghee u the =deny bar
.
_
."secant
Ibwewr
old air
if
ou YYou aaaun by asap w Ceetawr q.
De
rlream
Y
m
t d
st
di
roW
d
j:
.
g
.
,
y
Ne
an
gar p
r
fiO (or p
.
ar
w
e
roy Yam cre
t
ca
an
as ame setup tlweb
cwnd an paaWrd:ed tlelnn
or .
t are can0 ,
If
y
ew
ro
w
b
car zero
redit
a c
rn
o
an
new ,
,
and cane
dl Vw secant. If da not anneal
wNdn hick
tr
rro
W
a
e
your
pne
hew «
edal
[
p
ter to Yarn :
DmamMdt
hglnp a
mni a ,amo, who wiA eaddar
MA11aa.e segments am not added to the cagy bdrnees.
We
WBm
b
l
b
dd
ll
e
M d roWpt of • daps year SwtrdxStion to roapm yarc
g
ea
a
rtm
y s
tp er
t
y
a
Z=01110 y
baled"
cad dvnip gr our by tM nnWsr acoant. Add
mWy. Van account VA not be decd
umA you Pay N amo nes you owe us Including: wry
In Ch
m
the cop In Vise Current Wig cyeJS. To calculate Yatr total tran"coon a you have aWrdtd, 1Wnce tdhereaa, pan
tbama Wree, md*dl yarn.-rap dopy, balance by The
dtl
orioae race and 4
ter
r
f i
i
th
hp due far, .,M* ire, muted Povmad fop, cosh
t
d
tl
d
y
y
rate
sr o
p
n
e
ng
pe Due m mundir
be W
them m
60 •
an • dat pa ca
cry e
a
w Ma .pared to
your
vance
eccamm
You am m
or
ibl
th
ft
h
i
h
p
,
ry
V
.90 wrianee between di. esloWtlorn and tr smarm or .
p
r
e
aw -aaa
w
et
er
n
they appear an you acmud a the tuna you rectum to
.mrety Sashed.
to
c10" the account or they an Nwred te
IT tM code « N apmam an tlha
b. kart at this warm
, gar rsgnxaet to der the aewnan. Tale may rw
t in
anted to "Reliance, Rau d.
To: w. mdliply ter
swrem daAv hSiornce of eadn rmwt w war mmxHv cherpp apprrinp an yea aehant shah you hew
rear.xad
iPartrd Hodes; Prymrru you mall to trnth be aradted to you sawn as o1 tle bnwbnap day caw teoNw preNdatl (t) VW d ten. botmm poNm «tis atat.rth.rn and your «heck
ti IM eTnclosed r.rrhhtarra enwrap acid (2) Mar Wlanam b rocdvad b eve poepWq cwtr Dy 3 p.m. ET (1 rem Pre. Pear show at berm tw ltl bhairrw daya for gated our dv
Paymeds waived ty tr n my each kncatlan «in arry otlrr inn may not be ceded r of tM dayy vw maiw then. O r butnr days an Monday through aimed. t?. mrdtdnq OoeGYa
.o ob het 9e wstapleapaper?p seate. when dnp gist WvmmL NRnm you .rd us • c=. give daidr us le maw • --'he doctrorie -w- cloth flan yaw bra
US 10 make e 4 Wfg0 rge "Mr ail your be* hararsc auarm 1Nkullinip m fro check m a ah papm draft draft t or oawd ac her hem. 7M tMYhp cMM .van If rte by sans«e Wee. U we cams prone the VarrNr, you Suited..
US to m
Your account is temporarily suspended from oat
future charges and cash advances due to its
past due status ACCOUNT STATUS FOR:
MANDI MILLE
. R
A good credit rating can help you get credit cards.
a cell phone or even a job.
We can help restore your charging privileges:
• Use our free Check by Phone service by calling 1-800-955-66oo. TEMPORARILY
SUSPENDED
• Call our friendly associates for payment options at the number above.
• If you have online access, log on to your account and pay now at
www.capitalone.com.
• If
f
i
l
h ?-'..s..???
..oa+..a?v!1.' what's in your wagetY
you pre
er, s
mp
y use t
e remittance coupon below.
The purpose of this letter is to tolled a debt. Any information obtained will be used for that purpose.
0 2005 Capital One Services, Inc. Capital One Is a federally registered service mark. AN rights reserved. 042.0(305
Cep
Account S
Previous Balance $700.66
Payments, Credits and Adjustments $.00
Transactions $35.24
F'usnce Charges 511.89
New Balance $747.78
Minimum Amount Due $247.78
Payment Due Date September 19, 2005
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To call Customer Relations or to report a lost or stolen and
1-800-955-7070
For free online "Count seevia and ape6al automer offers, log on to.
www.apital.-
Send paymeuu t«
Attn: Remittanm Processing
Capital One Bank
P.O. Box 790216
St Lou'., MO 63179-0216
caoftim
Send inquiries W.
C.pies1 One
P.O. Box 90265
SLC, LIT 84191-0285
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
JUL 20 - AUG 19, 2005
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 19 AUG PAST DUE FEE $29,00
2 19 AUG PAYMENT PROTECTION 1-888-527-6904 624
"Your account is 90 days past due and your Payment Protection coverage has been suspended. As stated in
your Payment Protection agreement, your co and monthly charge will be reinswed once your account is
no longer 90 days past due. You may still be e for benefits to be paid to your account in taus of
disability, unemployment, and death. Call Consumer Membership Services at 1-888-S27-6904 to we if your
situation qualifies for a claim.
You were assessed a past due fee of $29.00 on 08/1912005 because your minvoum payment was not
received by the due date of 08/19/2005. 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-bumce Charges Plearera reverietidsfa i-jarJarst ixX--
i
-
nmr P.
Grnrgr,deg ?J.?i
?
`
mdro &
l:?
Ier laiAl(
PURCHASES $706.39 .05425% 19.8091 $11.98
CASH 9.00 .05425% 19.9091 5.00
ANNUAL PERCENTAGE RATE applied this period
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 19 0747780020000247781
New Balance $747.79
Minimum Amount Due 5247.78
Payment Due Date September 19, 2005
Total enclosed f 1 -1
AccountNumben 4862-3623-2057-3515
Pt rep.rnrssrrasrllrsr.tad/ e,msilelumprrbe! suaerbhrrerb/ak-L
19.80%
seen Apt 0
Cry S- ZIP
Home Ph- Alterostc P6mm
e
&aauan.
- #9023245608401514# MAIL ID NUMBER
Capital One Bank MANDI MILLER
P.O. Box 790216 70 LEBO RD
St. Louis, MO 63179-0216 v CARLISLE PA 17013-9326
Pleasewiteyosv armssmt number omyour rh=k or money ordo madefeyahl to Captd OwBan4 and moil in the emeloudessw6pe,
r
t_
?a
8
O
ffi
frese Pried. You Wit haw a mWmm W- pdod of
22 . MW diege M IIeW plldleMe, IoW
gerJal PnMeeee rd new other
de.rpaa N you y her told 'Nrar Bertea•, In
arrardrra each[ IM Nportant rMtka la payments below,
and In alms for k m be ere I by Your rrxt smtaoom
e N rpedd trarbn. N sddkbn? there Is no q ce Period
on_+n1' tfanrscdore Ir yea do ra pay to tote 'Nave
b. Aeertdg gieaee prge. Traraecda a Wich ara not
=d:=P=-..--T b kern dr =)
trommodae Is processed to votr Account or 3) from, the
first colander by %the eaent aip palod. Additionally,
if you did rot pay tlr 'fisw BNece fromtla prevfotr
yballing period N fie, [bete dupes continues to sine to
balance und! the Thb
than you my std o?thabalance is rce down wn If
you pay the ache Nevv Ealares Ideated on der from of
your stamnetc by the nett am"ne"' doahp rise, bur rid
rum do w for the lmwA ks men. Ilrped lrurtca darpm
sCp?plereg?? Terra yv Aaout.
e aMNato the
t Your account Issa??gqewp?? to a Mprue MsryesemYJrmm
rotel pN?NCE G(A71BE of W.50 wlit bs hlPOaod. N mho
toW kreares daps mtdkNp karre rem ap? gndon a
psdode ram(N b bse dart 10.50. we vrW iWtreet [hot
stttoux kern alto 10.50 nefrimm and tha dfforatca Wl bo
add !uw ss?yner?t O} yar steers[.
td. Tenp1-"
Redu,t)w N FNree Orpe. We ro;e. do
rI& m not stet any or ail finance derges for arty awn
2. Averag=S urnes lkWugbta Naw Rraheaml.
a. Rra0 is aft eled V tie dilly
balance of each sopnern of yar career[ (ape., rank
sdvrob, Purchase, special transfer, and spode purchase)
by der tfMy pedodo rate(N that has boon
the baling p?pbd, - ? tlAito dthool end of a rotebY
FOr each
sepewt of yar asarr n tla del?r 6eMn of each
read of .1 of 0. balling
calculations to arrive at a?
ton ?eah W sop we n ?n(w do total pibpadetho results Inn finance deep fa atxauet To Dot the daN W Wrcs
for s+de soprtatt of yar wMSymke the upYWrq
and any nedode: dWa4nd 11tH
ha
or credit.. to d, = con wchwppnI? aLlnet y adpd anyMlrew
ote?t (inod f as 'Balance & RahnAMpP: «Io1 hint to . . 2110
sttbtrset cry unpaid Sneeos dupe kdtded N the balance
of each aspnMt.) This gives is the daily Wance of each
S"MOM Then, veer :rid LIP AN the doU balances for each
-Were br the asp pnbd ad iv by the toW
nae6ee of day N tiro h111NY period. TNS rives w to
averafp daily balance of each seg.,
,. Tha tan •Amuel Percentage Rate may appear a,
'APR' on the pram of INS sta se em.
b. 11 tha cede P IPdme)I L Gino. LIBOR). C (CartiBcate of
DePOSkI' a S (B1rlkrwd Pence) appears on tha fees of
INS Inert. nstn to tha parbde r+asgl. 1M e
Farm arid corempond ANNUAL PFACFMAOE MTES
may very quarterly Income or decrease based
on the stated hdlem, m found N TM Wag Schaaf
pan the martin pnNarly daJosd to
yam.
Taw =-=be w o t . 1. d y of yar
MIn by Your psdyode mumn>t adng
c. If the code D (Pri-N (irtio. c180W or 6 (3-
LIBOR Repriced Mondry) =m on the iron of your
statannMt rum to ON ppea nts(>) IN ?padboddc rate.
eel oorcese«edra AflNU/kl PBICEN{AGE AATi may
tha
wry y MY or melon
Head iedcos, as found In TA. W+Y $~
.l.rarna( pus
the math protouaiy dadased to you. Thew darhpa
each emu Uw an to Srat day of YrsrrP P
0. A.---* of I" 0-111olt son Rabanad PrymMet paws.
Your aecaan wN be weessed no mote them two of the tam
listed here that eeau during any bYitnp =Undo, the
tong of yew csetansr egreanam ves =the ddn to
"ve or not to saes any fees ;;trace[ nbr retifleadon to
Wthout w,evlnp ow add 10 awes. the.ame Of shelter
eve at • Inter alms.
6. Your=f,*# M a mamberelrp fee 30
apPwwInc n M ton front is sta rta1nt wavM,s ya hew y to
de
avoid i mgt tine this ha e much a credited to to paying the fee or to m have tea uxedted to you
it ya earool Yaw auxxttad. Dtaiq this paded, ya may
eordnue to tr your atxent yyfdeat hatnp to pay the
manbsrNrp res. To uneN your suxwtst, you n8s[
nstity tr by uNrp err Meaner gelatlens Dsperbnarrt
ca' h k5 she eoWrrd, the
and pay r'Na pebr to
w Babnton red of wttya.y period.
man iW
tL N You Olsee Year Aeaeut. You con rogeat to dew
yyaarr coned by odiep our Mtonrese Reladorr
Uep.nmem. Ya meat destroy Yam credit card(s) and
eceowt aee.m ehaeb, c/rcN al Pmtahedz d hlithp,
and cease to your aecoap. If you w not cancel
darts Your eutho via *t auparnWydN
oUr I* to
account. ArldtlarNly, Yotrr aeeouat will
n« be dosed
urml eau pay d amouds you ovw w Mtdudnp: any
treraactlons yea haw aeNadzad, fine ce de,rpw, Past
rive isw, ewrWet iw, Hoed paymam iwa, east
advance bas eta aty e81ef 1em aooooaed to your
eecotsn. Ya aro rospemias 1« Chase anouns weeder
they appesf on your amoran a to lima yyeaou rogcear to
clam tha aecesri or they an Marred sresequas to
close on your account l'k? eau ? N
chews appeadrg
rf you areenzed a Pu+deme frorn a merNwr and ws
roosiw the trorrecdM hen the midget aka your
account has been do" ynr a-m was be roopantl,
the amant of dr tlrrye rpl be added m y«r atxwr,
ad yyowu w"i be taap«rae br Payttan. If thoro b a
mMtostrap Tss for Your acoaatt, the fee veil continue
m be tlwped, m ter amNK panNwd by law, tndl mho
aecourt bins hl) bath Paid I. k! r dented above.
7. UNto Your Ma Clour card or account tarot be
vend N txmraedm vdrh ary hterreet pambling
t rradkns.
S. raealee About Nlearanrr tlreak Oorrcenin. Who you
pedals a deeck w paynwt, you aaladze w Nrhar to
tea Nfemwion flan your drek m macho s ore-Wno
oleenorde UW transfer hem vac bark accost or to
proper the ppasyman m a duck tra socdon. When
vro
IM hfomwlae kern Y+ur dueck to make M elacdotrc
find usrrbr, tratda rnsy bs teddedrewee tram your barc
account as soon as de sane day re rooNw wuf
awudd k 4 =uabn. "we ve yv dnek beck from
BIWNO RICHM SUMMARY
(N Caw Of Emoro Or OwaB«e About Your Hill)
N you Chit yar 61tl b varenp, a N you need moro
Inlomatbn M a veaart:don a 6Y, wale to u M a
srtpaau Neat m oath/ra mpof this staween peaaW at tti addnsse Wafor
on tha
Ingrddm slewn . .
hear form you nc bast =C!0 bys atw vre ran Y+u the
first bill o which the epmblsm appwmd Ya uJrt
pcparorolll wour nsQWermer Rdadar mertes, but daft so Wit not
inane eZrVZiwmh hand mccoundmwmbWer,do,=
asnount of ar ch a?tostlsuspected org r, o WSvkhWy vat of the tlerc b
th arcor a I1 yea reed seas I You b do n, s how pay of
the ham q, an utseme .ban. . You not haw as pay ary
snout h gsa8on p. ruepaw ere Nv y--dh, fetal ya
e amohposfad toPay y tha of Yam W7* e an -1
In garden 1Nifo vka your Qkaatlon, we cancel
report year as dslrtquwu a u arty aclkn n CWKI tie
amount you question
i,t Special Rule for Credit Card Purchases
If eau haw a pmbkrn with tha quetlly oil Pr+P+rty «
=14i W you wkh • erode card and Y.
ln /aNh b corced t o problerrr Wth mho
meschent, amount due at thmay have the e pnparty or r mMOse. You haw this
potactlM sty wkM rN Nrduasea palm vws mm ton
x50.00 ardo der purchase wW made in your hums state or
WWn 100 mMs of Your milling mWeem, Of we owe or
operate If we malled you
am for an-: the
grdeswa
.coweedprome
of prrdele.)
Ream menseb beerto ?ilptofA correspondence.
t Dow not apply to aaww w row-credg cad accords
i Dow rmf apply to busimea nomwaaic Card accounts
privacy prumcdon: me our
ed service nark of Capital
rots reserved a 2003
OILOLBAK
m your now tealares was zoo or a credit amount), row
trarrsdion whitle Past mN your pudaoa a X= dr amdanity m do dolY
purchase bearcw topetlw std dvfuip ton ran by the _d_ of
ton dew N the turret tip cycb. To ealadsms ytxr t«o
Mr?nu?d^a-arts, ys r awnto b Wes by the
the Meador of
ParaeL rna m a U U Inay b0?ap
=d.W
fl? actually & aM the Mwrn of
b. If der code Z of N app%m on the inns of this statanem
next to 'Balance re Applied To, we multiply tle
krpsnrect Nabs: Pawwna you mail to w wN be credited to Y+ur aceaan as of ton fuWrW by y rooNw it proNdM (1) yea seem 1M Boman poNan of drs NxMwn and your deck
h tits ereudosed rsmlmece Mveispa and 12) yea Wyw+m is rotxdwtl h err procstoMq urner fry 3 P•m. ET (1 noon Pte. Pisaw allow at Mart M (5) btsieess bye 7« postal tfalwry.
Paynsrm rwdved by us a cry othar location «in arry otMr ton V cal os craaud m of ton day vve recelve [ham. Our hshem days are Mprday tlrwdr SMSOay, akdWtp holidays.
Pleaw do not use stspim pope elks etc. won pprrseppaalp pur Pa yyMn yea seed u a c=y=` , authodz0 u to mako a aa-dme alserrere trmNr depl lran yur hank
account
for ton snout o? ton deck 4Ns aWadzaBan applew to aN deep recdwd duMp the wen it sad by someone else. If ws cannot process ton varals, Ya aupedn
is 10 make 8 daps agetr m Your bank accent using the clack, a paper draft or other hem.
Your account is temporarily suspended from oat
future charges and cash advances due to its ACCOUNT STATUS FOR:
past due status. I MANDI MILLER
A good credit rating can help you get credit cards.
a cell phone or even a job. •
We can help restore your charging privileges: TEMPORARILY
• Use our free Check by Phone service by calling 1-800-955-66oo. SUSPENDED
• Call our friendly associates for payment options at the number above.
• If you have online access, log on to your account and pay now at
WWW.capitalone.com.
• If you prefer, simply use the remittance coupon below. NAe1Yinjo `" ""r
The purpose of this letter is to collect a debt. Any Information obtained will be used for that purpose.
0 2005 Capital One Services, Inc. Capltal One Is a federally registered service mark. AN rights reserved. 042-0605
Ca ; PLATINUM VISA ACCOUNT AUG 20 - SEP 19, 2005
4862-3623-2057-3515 Page 1 of 1
Account Summary Payments, Credits and Adjustments
Previous Balance $747.78
Payment; Credits and Adjustments $.00 Transactions
Transactions $29.00
Finance Charges $12,68 1 19 SEP PAST DUE FEE $29.00
New Balance $799,46 You were assessed a past due fee of $29.00 on 09/19/2005 because your minimum payment was not
Minimum Amount Due $299,46 received by the due date of 09!19/2005. To avoid this fee in the future, we recommend that you
Payment Due Nit October 19, 2005 allow at least 7 business days for your payment to reach Capital One.
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $,00
Atyourservice
To all Customer RaIstions or to report a lost -Wen ma-
1-800-955-7070
For fret online account service and special aatomer affen, let an to
www.npitalonamm
Send Paymems to: Send inquiries to:
Aft: Rernktn Processing
Capital One Bank Capital One
P.O. Boa 790216 P.O. Box 30295
St Louis, MO 63179-0216 SLC, UT 94130-0265
Important Account Information
Twelve unsung heroes of college athlet5 are co for
the honor of Capital One National Mascot of the Year - and
you can help decide who winst Each week, the mascots go
head-to-head in competition, but only one will win the
coveted tide and $10,000 for their school. Go to
espitalone.com where you can vote daily for favorite
mascot - and don't forget to tune in to the tai One Bowl
on ABC on Monday, Janu2ry2, 2006, to see who wins!
co
Finance Charges PluueM reoerreA&*;mfortont;afornrat?on
rat Pmsl-asJ6
d
db P
>eh
PURCHASES 6753.69 .05425% 19.60% SIL66
CASH 6.00 .05425% 19.90% $.00
ANNUAL PERCENTAGE RATE applied this period
PLEASE RETURN PORTION BELOW WITH PAYMENT
?? °J'`-'1fe 0000000 0 4862362320573515 19 0789460020000289467
New Balance $789.46
Minimum Amount Due $289.46
Payment Due Date October 19,200S
Total enclosed $ ?
Account Number. 4862-3623-2057-351S
Capital One Bank
P.O. Box 790216 11111111 11111 11111 11
St. Louie, MO 63179-0216
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Plrcrpnirf?resi!mgslErae-Harr-nmilrb,"ojrrhbar-Awbl -R.A Mk
19.80%
Strut Apt4
City Scree ZIP
Home Ph- Alt-w Phone
Pm AAddem
#9026345608401519# MAIL ID NUMBER
MANDI MILLER
70 LEBO RD
fARLISLE PA 17013-9326
ttIIIII I IIIItuuIIII I IIIIIIuuIImIIIIIII a ImIIIumt
Plemewriteyowarmra-tmambamyowdacl:mmoney ordermadefaynbktoCphdOmAB land mail in themrdwedmwlOfe.
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a snWnwm graze pedod of
ese n row Drrcrso. row
Dwmos whew, thew spooled Pxcheeea aM rtes odw
dtalpa H you pay your tool 'Noes Balslar', In
aocadnlca wish tlr nponrd Nods for peynwth below,
and In time for It m be etedud by yar RM msenlelr
doYrp des. Thee M ro peas period m cash advarces
and q--cWW trstrfsra n add., "M N ro pram P?
.on. w Y tnma9edan H you do roc Pay Ne w 'New
b. re to as R- porW are a.--d Maros dwpe 1)
horn the don of the varoadlen or tl fro n the dam the
tnrencdon is proteard to ymr Acomet or 0) from the
RrR rxtlwder day of iN cwteli GMn? period Additionally,
biWhp b you period In hPay tN Rna'Newrs duWa ped oaWne, m awue ftarrl tN bagartce full.
that
Wur rhpoltl Y the uhpaltl Doleneo o geld In M.
Yw means that yes mw b Wi owo M1rnm drrya, own If
You P.y Ne andro Now Delarcs bdutW n No front of
ymr Knownaa by the note ommem tloeMp date, but did
riot m se fordo apprpoviuw motel urywd Mwhm drrpoe
AaoourwL
t c. ahNiw Fi w i CJtrp. Fan sadi ebiYnrpQspod
t
t W RMO= CKhRQE of 0. 160 be arhpoud If Ne
aepmrd. Then at the end of to pwbd, we add w *& stsonerart, " take the
total fbharlca Is mah_ iron hiss appRaatlon of your
pedodc ra.W b loo titan O rma 60 r
hhmw . ws warenc tlat
w ft. bills ?0.60 mFdrn d the a dHerarhore vhN be
irRbd m dhs pudtao
t d d ehcorsr.
o w not sswellsn y @11 rgnahc - charges the
dtK mp edode,rase arty or r ell Mare wrpee for arhy pwn
2. Aveys .
a. Rrrrea II NnO the r1Wy
:harps la eeladatetl
balance o} sect eepmont of yarr aacwn (s.p., call
advanos, Pte, Redd trarheM, rd spaded purh
by do con-p-&V deity periods .eW that Ica ben
prerbuly disclosed n wu At the and of sash deydakq
the bWAV pwlod, we apply dr des pwtada,ate for axle
a•Ohhem war .eeetar to dr belams of each
be mkg belanu of n h seer . a-Atrect ch day, adM snnyamnew
a rod t ?eodeNa pinrege khdudee et IiLt roe
war? vy u rid Inar o Res
eclnraq my ryheld frwloe cha n to wiarhoe
of each .) TNa pva u to day blum of each
am. =%:, s tllbg sup a aM ddWv bdanc ? each
n tN W4hp pedodN7NQs. pw, ea ma
Areewlweepa averpsahrdally - of each -Orient.
3. CAPRI.
.. TM term 'Ar"W Peeamage Rafe' may appear as
'APR' an to tram of ids atalemem.
b. If the code P d ), L (9irr. LIBOR). C (Certificate of
Da)ab), or S (Darhkrard Plnrl aplluw m the from o1
padede
I" etaterrlerd next to she Pedode rwoW, to
tat" and ?a?rp Af44fAL PERCORAOE RATE
may wry quonary wh I rns nueaa a dseroaa basal
n the eutotl kdw, a land In TAe Woe 9Vpt
.ormay VI- the marpnpe Waudr dWmd m you.
Thos WII be ailsedw . the Rm d.y of yar
6Rhhp padod cowmd byAypwAr pmloda .ulmhaht orvirhp
c. 11 the As D IPrboe?F 11•ma jW W a •mo.
118011 ReprYatl NmWy) meow m the fton of yaw
staimrom mtl to sr geisha mmisl sr sadodt rates
and mmapal1he.NUAL PERCEIAeAOE TFS rev
IT you art hafza! a pumhaas flan 0 nrrdhrht cad ws
rmtae dr traasetbn fiorrt aro nrrdrn[ aha yar
aooa K ho ben cased yaw acmnt .0 be M.Ported,
sr amerrr of ills drrQe vp be added m your acmes,
sM yyesw wN be nrporrblo fa Pgmerw. H these M a
nwroaatvp fe for yar aomraw, dr fie wi wdroie
m m dv d, ta 1N soar psmdttad by low, and the
aomus belarrs fW been P+Id n hG a deRfled eheVe.
7.11skq Y" Ae.a.r.Yar caW or aecota caarol be
used in rsrardipl with arty blmnm gwnWkv
trerractbrr.
S. M.G.. Abend Elsaborde drsk Oewrelm, Wh. yes
to
n P N= Yw wanake . cr eldrr ?
slrsmrdo had Vwwfw hem yohr MNc W
N
Frames INpa Nnew a a drab traks hen A-
we ktmmatlon ham yar oheelt m mks m n elortnhdc
Md hurter, hatds may be wkddnwn from yorr bmk
aaaam u son a to awns day we roc ive our
PaN"m, oriel YOU caw cot roalw your crab ybock ham
ymr Mandel kwdvdm
BIWHO RIGHTS SUMMARY
(n Card Of Create Or Chwederr Above Your 910
It yes *" Vow bR Is wrw a H =n;:1 mom
nlamasm on a irrrettion p bell,
om m a
aprran shoe a eon a peotle et iM addroa for
We 0
hear fzml yes ro arz 11Wt EO days a we em1 you tlr
Rro hN m Welch tlr aner a sppured Yw con
Call OV QMdMr R0 111110M Give a VAN 1
?rar dphw• In n YA ""I oce" Weer, XI&W, , pw w dhr tolbhWV
amocan ei t= "'m rd aeeant ntwnbsr, sr ddlar
I d,
and m wdwrllen N PaWNe. N Wr?? bd eve them h
m woo; or If you need own nbnruisr4 a daedptlal of
the elm you an unin abort. Yw do not have to pay my
antwtt vll* hw an Inwstkadrlo It, but you
am aW 1ad 1a pay d1s pots o1 yor hRf that am not
In qumdwL we I= is yar q-den, we cer.m
P. you a dAnglra a tZ my ae to collect the
anew you gwsdan.
d,t Special dkse For Credt C rd Purchase
If you hsve a problwn WN sr h Sr
m gln of prcphsrty a
.. t sal yes ftMto coned whh a rodt cod and yes
law tAed you ma problem W lh dr
merchant, yy haw ty dl/d not fo pay sr this
amaai due on the arhdees. You hove 1Na
'Sp moody rc1Nny of
Ptddhsr pdu vas coon dun
Wtlhn of
100 mIW d your maikgnrdaaddroain 011.1
r own or
spent Ne rnarchartl, a if we mailed yes adverdwnam for she property a seMce, as purdnea
="nd
r?snsnber a W wrlelan a butlwl of peche".)
ryt at ooroaporhdrhu.
t foes rot apply 1e assesses mmeradR e-d aeeeanls
i Does rot apply to brrwehea Adf y"60 card accarnrs
=OM fepports kriounssm plwcy plotecdal: aM ow
Capital OnenWN Y`a C"
y end seMco made 01 Capital
?taal OmM &== 1 49 reared a 2003 BAK
rah••hR•e
trr w be r =.-=m ueRtat daeleesdynofy'o• You.wN6 TheNqperiod
? Month,
1. Awaamsrd of Lots, Wmiai wed RaYwnad Pgowi Fos.
Yaw aecorsn wR be assessed no mots thin two of tha Bros
Rated lyre dm occur durbtp wry bwkq Wtlod tJrtdw tlhe
tonne of yar wwamer alpaemrn, yes rusrvs sr cps to
weiw a not to ahrsew ad ioa WtMR prior notlicadm to
hrelhMq our pm to aeeo tlr acme a aknpar
a rata. for
6. Wthoul Ash of IN! • rnerhhbereidp tae
0
m he from of e etaterorhnr. , Mw M
1N reetlta of dhae alalladona m ardw yellf
perbde A1whca ehargs sect se00els. We add Ip the
reeJn from each segmem to wdw at the total pa(ode
Iktarica tlrrpe Tor yaw swan. To Res tM dWy belrhco
for still oprterhR o yrr awry, ws take dho bopbrdrq
bolerce for each aa- and addarhy rrw trwrsedar
me artypehbde ikwhcs tlrrps aloaated . the pmwous
day's b. br haw sprier. Ws tlhm sh6troet ashy
peymara a erodts Posted s of that day thr m atloutod &
m tlrt aspnant ThN phase w tM seperam daiybe atce
shom of on account. your smwitrn I. W VI
If your new bnMrhoe woe zero a • asdt arrrwr0, new
pureluas sepA*h pas rot sMdbd m die a Reciel
dNy dory bolrhae. We
bdam ss tepethw dvldrhs?dr s by t dMrg the rWesn . 7
days froon the date We statentrn era mated to yes m
avoid WYh1R 1M be or to have such I. e"IZ m yes
11 yes uncei yaur acoolwd. Dudrq this pedod, you may
cw*m to tar caw acoewlt Wdrw hsldq to pay the
mmhbeleldp me. 7o canal yaw accowrt, yes must
-dfy u by c." our Cwwhrr ReMdan Dapato"
M1'M% the
and pay R ise) How prim m tN Ba rZ n lulland e1 (edrWnydeY pada4
Y- C
If yHyaaYuu Clsae Yav Aeae.ad. Yw con .Wq to doe
ORa""MMort.tYw row de troy yoreersedt make) rd
acca n access checks, canal all Preaufteized billing,
and caau rsiq caw aeowm. If you eb not uaxl
preatt -u8 NRkg arnrlpamama, we yelp crrder
rooso of a sharps yaw aralmizasm to roopen yarc
eccowr. AddripWly, your aeeaan cap not ks dosed
wmR Ysu ar,R .manta yes owe w
narraesrr yes Nw audrdzad, Mrhm peat
due heft, ovadMh feu, req%mW paylnam tea, call
adyarhca iaa and arty Odhw lea aase=:x w
aro rasperWEb for thou ,*.W
lhay Tor m veld aemtan et tN tka you request to
shoo tN aceouh[ a Nay aro kculratl ewsegcwn m
rhr appsadrq m your ammt after wuy ht n
Period Des m roMrq . a dally bed' tlhore may bo a
astir wrlarlcs between kids Wadpd. cad Uhs arrlocrn of
lkwc
b. If the cods aMNappa= from of this ww-coo
nrd O'Soi- Ram Applied To: we m AtIply the
nnpdorrtwd Pia ? you map to w cash be cedtad m yaw axarn as o11M MRkrw day vw reed- il. PraNOW (1) yes erld 1M botrm potlm o11hb stwanem aM vow drek
envelope and (?) caw peyman h redwd n aw woqukro crrmr by 3 p.m. Ep (l t trot P'f). Pbsa slow w bow 1ve (6) blwkrss tlaya for pow[el deRwryPaymsnta teedred by w at my ods?rar Ipeasan a ipnsagy otlrytwlomh lmmaryrttot be a ynodumd_ u of 1N yy rps osteiw arm. Our blrkrRS dayran Madsy srwyl SatwGy, exltdtq haidsys.
secsun for Iha a mVneof srCMak ?Thle audrdzadon applrs tOai dreb ieaiwdeeld w a dreitW. you wMalze w l0 make a madrM NOC7ehk TnIr1N MMt troll volt Dwd[
w to make a drrps apsnw vow Wrd acoorrt trabq sr check, a paper dnh a osrr hm1. tN bRnp eyrie evn 11 ant by aatneorr da. It v1e carart Pocass iN trarr/w, you autlrdn
CapitalQnea
taraefsr In your wanee7.
Your account is about to charge off as a bad debt.
• We report an Rg rating to credit bureaus when an account
charges off.
• Lenders and employers nationwide can access credit
bureau reports.
• An R9 will limit our ability to offer you financial solutions.
• You will still be responsible for repaying the debt.
Good news - it's not too late.
• Call 2-800-955-66oo for payment options.
• Pay with our free Check by Phone service.
• If you have online account access, log on to your
account and pay now at www.capitalone.com.
• If you prefer, simply use the remittance
coupon below.
The purpose of this letter is to onlect 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 045.0404
CA;,;?
Account S
Previous Balance $789.46
Payments, Credits and Adjustments 4.00
Transactions $29.00
Finance Charges $12.95
New Balance $831.41
Minimum Amount Due $831.41
Payment Due Date November 19, 2005
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
Atyourservice
To all Customer Rehtrom a to report a lad -Wen m&-
1-$W-95S-7070
Forfree online amount se+im and aPacw autotrrrr even, log on to.,
w .apitalone.mm
Send payments to: Send ingniria ter.
Aft: Rernitana Pmensing
Capital One Bank capital oft
P.O. Box 790216 P.O. Box 70285
SL 14t1., MO 63179-0116 SLC, Ur 84130-0285
Important Account Information
Twelve unsung heroes of college athled are competing for
the honor of Capital One National Mascot of the Year - and
you an help decide who wins! Each week, the mascots go
had-to-head in eompt . on, but only one will win the
coveted tide and $10,000 for their school. Co to
apitalone.com where you an vote daily far yoty favorite
mascot - and don't forget to tune into the Capital One Bowl
on ABC on Monday, January 2, 2006, to see who wins!
1
PLATINUM VISA ACCOUNT
4862-3623-1057-3515
Payments, Credits and Adjustments
SEP 20 - OCT 19, 2005
Page 1 of 1
Transactions
1 19 OCT PAST DUE FEE $29,00
You were assessed a past due fee of $29.00 on 10/19/2005 because your minimum payment was not
received by the due date of 10119/2005. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Flllanee Chatge$ Pkxeree revaiendejor imfoMant information
zP
=e P
1
161r Camrsea! r awn
1
ylrJh 1
*
cab APR
PURCHASES $795.70 .05425% 19.80% $12.95
CASH $.00 .05425% 19.80% $.00
ANNUAL PERCENTAGE RATE applied this period
PLEASE RETURN PORTION BELOW WITH PAYMENT
.0000000 0 4862362320573515 19 0831410020000831418
New Balance $831.41
Minimum Amount Due $831.41
Payment Due Date November 19, 2005
Total enclosed $ 1
Account Number. 4962-3623-2057-3515
19.80%
Plc-p,urfa.X r"irnr.wl?ore,nrilrMyrr Art- .rMwo M-E;nk
sus. Angie
snr.
dome Nunn Altan.n Ph..
FmsilAddrs 0
#9029345608401516# MAIL ID NUMBER
Capital One Bank isms MANDI MILLER
P.O. Box 790216 LLJrrIIr4dJtrIW ® 70 LEBO RD
St. Louis, MO 63179-0216 a CARLISLE PA 17013-9326
m
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Pkare twiteyow auoant nwabaan yore rhed or monry aria made fnynbk to 001tal One Bml and moil in the emrlored envelofe.
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of each wpmnt.) This yws u to dolly balarm of each
aA to dall
balances for wM
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m hs m dr swoon by new, tntfi dr
eapll[ Iw boon M IWI r debred •bew
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an any trareedlon If you do rod WV the tool 'New
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7. =1 Voter Aeeard.Yeu Card or secaad common be
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b. Aesnip Fkhrae Chaps. Transactions width am net
aLL9ect to • proo• Wood our assessed finance dhargo 11 s yvet W t
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mrriror of days In the bON period.
a dally balanc?e of each eurpuwt.
3. Amml erihhpe Roles (APRI. urnoct
m v
any
tenn r p
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trerhteeWrr.
8. HAW, Anent D.Wm a Chwk Co-Wen- When you
konh the mu of the tweactlan or n from trs data oho
trrreetkn Is processed to yar Account OF 31 from the .. Th. tamp 'Aural Pear bier Rau' my appear d
'MR' an 00 from of IN* stateroom. prow" • tact w Wyman, you audhd:e W WOW to
urn Ydennadm from your trek on, .it. a ensiled
firer Mader d•V m dw tom or bl" octal Additmrly,
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t a. aYtaree Flir- Chrpe. ra wdh bFprq period shit
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or U you n
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pedodie nms(s1 b Imss dw+ i0 60, tw wlp rLemet drt alarmm
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and ?orras?mh?ru? AIWAL PfRC A
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dim m not • oom any or sit Mrwe Wryn for any piwn roll be eifecpw an the ter day at you thong PMod
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c =no wnr dyne kh your oats, dw W - fella..
Mooravdon Your wee std •eewm reamer
that dasar
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2. Avwrale Desy Wow 1 Raw Ardhsaal.
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sed M man than Mo m the fan
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amount of tlw auapacad sooner, • dessriptlm of
ad an nplwtan
of YY your bdiaw tare Is
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our srrmsrc (s
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Under the
Hoed here that occur during any lolling period ,
,
an are: a if you road arm odNrhoutlon, • dosedptlan of
tilt,
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admno, patlwss, spatial taster, and yscief ptlcass) .
tame at you outmear agreement, we rwne tr rpm to to ham you are thus abam. you do rot Nw to pay arty
by the aorr?hg daily periodic renew that has neon
previously disrJaWed to you At dies and of each day dWrm Ave wor w to seems wry fro Wdnud odor notification io
WNam valvoq our right to sass the woe a dollar aroma In whin we as Nvsat h, Ms you
--M to pay too pens of you btC tint are rot
k
tl
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d
mm for
tow billet. omlod, vat apply tr
f
f
d
o
.-
0 at a lala tow.
If s mwh6lyddp fee
Yew Assen
6 n Qal
aa wr
hweM m yctr Qae
on, wo Cannot
m bodn you as de6nphmm a eke any aedm m ceHact he
aepnwt o
your souunt to
o
w
o
:
=
w
wOmser. Than a the and of to , ws odd tip t
.
appears an to from of fins statement. you have 30 amass veto pueNm.
tlr oasuW m tlww dam,. ufoietorr m ants n
•df
the
ri
d
d
s
W
fi
fi
i days from the dam ties stawnrrt wrote ndled to you to
avoid
ayin
des fee a to how such fee rndmd to YOU
t S
ecial Ruin For Credit Gm Purchases
i
wry/
s Is
h npw
.
s
up
on
e
wtu
ps
realm from mach eopnan to arhm at the std periodic p
g
if you Gamin your account. Dump *d• period, You may p
.
scomos ther" for Voter sautes. To got the d* banana co draw to ems your account WODUt having m P•Y aka If you haw a problem with the quality of property or
for each segment of your account, we Lie llr Myrdhihp
balance fa each sepws and add ranayy new traheaakew
t
d
fi
l
l
d merMemtdp W. To Oened your aeoant, you nun
notfy us by as" our Cuoww =WMWM Dapamem
ur Now BWrwe' In tr (excluding to
and
a WenAus tM your purchased wM a Gredi Cad aM you
Nw tied in good fawn to umeet the problem W th tin
r pro
ar
and ant p
nance dwrys tu
e
em
an
aa shy
daysbolrhu fa tat[ w
ws
We mftion en
act Y yo
P
member MiP fn) Pdes m 1N ad Of ell tdmydsV Woad. m ric ant, you may how to dyer not to pay the remaining
amass due an tin
a
sn
a sarfM
You haw fhh
w
lp
.
Mo
•txatod
paymmsa a credos poauad w of a thrt day Mort
dd
bi 0. R yea Cie. yw Aeaand. You can vegan to tow
m b
%
Customer Rdetorr p
p
y
.
.
pro
ucyom sty whin tr purdo?aa p1u was mom tun
y
ros
to that segment. TN. giros W t ha separate
Nowewr
It You wM the
for each mogment of yo r rxotrv y ck
v ow
yyoaut •uou
= men. You must destroy Your cedt urd(1) and 160.00 end ffr purdwe was mall In your home state or
Wtlin 100 alas ef
oumalk
address
fif wa own a
,
.
oa sutemat in M («
Now Ilatan:s dhowh an Votr p .cant auesa dhsde, cnol •H prswNrd:ed bWkq, y
p
.
Operate dw merchant. a if we mnled you to
od t
If your row bdahu was tae to oro6t smaw0, caw
heroetkna which post to tarts purewn or special and sew uiq yar imco m. It you daze anal
pmrAh bbd bolkhp ananpe ems, we woariden for to propolry a serview at purchases advardsomarot
am alysrod mpaNsw of amass or l? of prdaw.)
Putlrs 1 aaymfsm am not died to to dopy bolmmm. We
d
l
h
ddi
N
h
il
b rscdpr Of a sharp your authorization to reopen your
Add0orul
ou Account will not be closes
cco
n plow rown6sr to sign all atrespadwhCa.
a
y
ng
t
at
t
uu
y a
olate at sweeps ddefid
d once
sum
the
number
by
together
el y, y
a
u
t
you Pay A
amounts
you
e
d
l
dit
r
f
d
D
cmkd m yo r total
d
is ys in amam Wig Code. To
tho gea past
a macho s you have ms oUed, twee CN
tr y
o oauutosr rorrere
acawr
r
Car
oes ON app
t
Mare Maps, mad yew a min, daily balrroe by to
d•Ny eats and Uw ember of days M des Wig due foss, owdinet fast, moved paytwn fees, cash
edwnes fro and any Whor test assessed to you
ther
arw
ts wh
sibl
f
d
Y z Doss na apply to bwmduss awassir cad octants
W Dam m mundirp an • dally beds, dam may be s
Alan valrra between this tdalmbn and the emaas of on
m Am respon
e
or
u
e
aoutrt.
rosy appear an your stamen at to tom you request to ?Yi_, One appwts Imamatbn pdnry Protection; w err
at
v
b
k
?
0
Mac=o==ft ed.
b. If the from at this statement
' tow tin aeearn a ahoy, am oru od auaropam to
your ropier to doss the account. This may mmh In w
v
e
s
s
•
p11.
C+PkN Orsd Is s federally p?tped serNve amok of Capital
Coryaadon, All dyma rwervd °
2003
mho to
!!!= Rau To, we = the dwrpst a hog an Vote account aura Veto hew
1LOLBAK
0
at
this statement aci your task
Yhpatrn Nstlse: Payments you mail to us yrifi 41 cldtd to your account as of VW Dtrkhsss day we modes h provided (1) you wM the bourn WRNh of
in tin hclosmil emtwre envdepe and ill your iwyrdham to h our coceakhm caner by 3 p.m. Er (f 2 no Pan. Pass Wfow, n Nan in (S) business days fa posel
Paymmfe received by us at any nether location or Inn any a" bat rmV nn bs emM/d me of to day we roedw Own. Our bmkwss days am Monday trough Svwdsy. sxcMdrN Ys.
Row tlo not ass ataplss PsWr dlpa, ate. nhw phsparphp your psyman W1wn yw sari ue s trck(t) yw A~n W m nuke a on?tkes efeetmmc trawler debit ham Your brit
auxotnt ter giro amesm o; who drOk Tina autleodzatarf apprw L !p dwelt rsdwd Atdrg 1M Dttrq t>YcN awn It sent by man*" Was. If we comet grocer /M woofer. you raze
us to make 0 dharp against your bank account uekg the dhstib a paper draft or otter Rem.
027
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C-1pi
PLATINUM VISA ACCOUNT
4862-3623-2057-3515
Account S
Previous Balance $831.41
Payments, Credits and Adjustments $.00
Transactions $29.00
Finance Charges $14.10
New Balance $87451
Minimum Amount Due $67451
Payment Due Date December 19, 2005
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To all CuumerRad ft or to re port a ledorakin-,L
1-800-955-7070
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Attn: Remitetnae Pro-!.g
Capital0-Itak Capitol One
P.O. Box 790216 P.O. Boa 3028S
St. Louis, MO 63179-0216 SLC, UT 84130-0285
027-0402
OCT 20 - NOV 19, 2005
Page 1 of 1
Payments, Credits and Adjustments
Tru inactions
1 19 NOV PAST DUE FEE $29.00
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you have made transactions during the calendar year. Please call 1-877-794-4487 before December
31, 2005, to reserve your copy for this account. We will begin processing orders in January 2006.
You were assessed a pant due fee of $29.00 on 11/1912005 because your minimum payment was not
received by the due date of 11/19/2005. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Finance Charges Pharetee reveae side for important information
Bd..& P-W-1-1 Reff
q?kwa, rd, APR
PURCHASES 883811 .05425% 19.1m 814.10
CASH 8.00 .0542S% 19.809E 8.00
ANNUAL PERCENTAGE RATE applied this period 19.80%
PLEASE RETURN PORTION BELOW WITH PAYMENT
0000000 0 4862362320573515 19 0874510020000874518
N,e P..f WWI &J,- --dAmosaaAd- awr M- .ru.A-k
New Balance $874.51
Minimum Amount Due $874.51 Street Apt e
Payment Due Due December 19, 2005
City Sao, ZIP
Total enclosed $ Hom.Phm. Alvsaae Ptaa.
AccountNumbeo 4862-3623-2057-3515 a
BmulAddr-
#9032445608401519# MAIL ID NUMBER
Capital One Bank MANDI MILLER r
P.O. Box 790216 idulnllultlsullel 0 70 LEBO RD 1
St. Louis, MO 63179-0216 CARLISLE PA 17013-9326
itllnniluu??lnslltjuiluuslt?ut?jtlluuej?sljulnlsl ?
Phan v riteyowaamnt nambo on ymff cW or money order made payable to Capitd Ow Bank and =it in Tire a Jwtd,mrelope.
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E ???
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rhahraa p6pqryma an row purlwr, new
now W
now,
vow?tanl? 1 BWnm I
n
rCMd ipsdY trorAera, kt ado e no
w ary transaction If you do not pay the total
b. Aeerui,g Five- Clung. Tear eactione wtid,
tsni tlr :X LparI* rae6on err -med
t) twm
traaacdm a Processed to gar Meant or
Sort mice car day of the arrant MFinp ribfrom s
if you dd not pay to 'New Daerm
bMv pedod in all, Shane chergos cordiKro undl y ilia mmeeane dot You My eW win enarba ce
you pay the adre New Ddar+ I.', , an
your rrstrnmsnt by der rota ratan bW doakq
rot do r for d4. pmhwlau mart. Unpaid
ors added W der aslFrwt of your
t c. Mnirrran ft. For each baling
Your account a sgott to a Imam Ergo,
iaal flNV1CE 4fAROE of 90.60 will be
total Koonce 6 horn the
perloae mt w Ill Nan den 60, we
arrant from de ?O.saoama?Ywir and to d
Telmpaay Rtl n h FlnrasaKwrya. Wa
td.
49PC tosnoootdmesses any ohrw.=se aM finance charges
2. avW?we peO e c harcalalm
balance Of each up w of Vote
by the oarayahdry daSy, pala dc raraW
W-4- Y dadoaad to You. At tM and of
tlhs kiinq routed. was apply w?
MOntat d gar aeoeut ro tlr
der , was add W appear an 1M front of t,N awemem, Voss !sew 30 amour Ya+ gmrestlan.
ft mile Then . ft, Period
and role in dho as daily Wf r each d ula ssea to ad
mien frorot each sag it arrive e10it to W
Ames dwW lur your account. To list der
for each segment of your account, we Fob
balance for each ? t row row
deye sets or Mat . Wa ?
ttoo tlesQnar?This row u separate
for each magnet of Your mearK. Fhovpsver,
New Balance dorm an yaw predas
tr me row b filch was zoo your • the
a,retlorma hNirlh poet to gar pm+nurs or
a below, natemem roe
mark subtract any u
Forces of each aaarm
w Period .9 Than
an[ lot 1h
number of hyr
not awrpe dally t
h9p 1) 3.-=V
brain the awrage daily balance tar the Vot+ ace
ed by the statement, wo take ft if you ¦
EE
MY now
of
pnent each day, Add
e
acch wa •?
y
a
o
p
ode H appears on **Area arm
0 twomm t N1Na account
to am
'Balance Rate -Applied TO, we also
b,
h
I and
aaa
.
e
d Searle dune bw load
n t
The gds us to daily balance of each mOT
to be ct
t add all the daily balances fa each mermm?
the tow
h T w
eded ¢ w
auNa
is kYAnp C TNa
t
iled in
K
aes
IAPRI. S. Not!" //
!w aksadV bean
a ournrae fiarrh a
¦ cad or aeemao carnet be
any Internet o-d*v
Cheek conversion. Wharf you
a date the a. Th. term 'AutW t+arearoaga Rni may appear as PnVA& a check as peymart, You &Lane&* us elder to
) frdn the APR' an the learn of the u se kdormadan flan your n,aclt to raske a ore-tine
Addlt)aaeY, b. If the code P (Prime), L (3-mo. UDOR), C (Ceniacaro of seeeerie fund trwWor from your bank oecoutt or to
Previous Depodt), or S tBwkcad Prins) appears on the front of
th
W
d
s
di p,emes de pe n a neck trrm-don When wo
ow cloak to make an electronic
use informed- ffrom
to 00" to
fib
Y
id I c rate
,
e no
o
e
0166 "Iffnern next to the Perio
aro ANNUAL pElif?liYAO RATES
rate v
ntrawn flan your bank
Ssmda amV M wlri
furl tratrtsr
.
pa
n
9104., even if s
y wry ?resy frareses a doaaae based
ma
F Str
f
h TM W
f ,
nt r moan es the name deg wnt roodw Wv
amou wi
ow cheek bock ham
?
arhd will rot temivs
de front of
see, but rid aa
ood
J
the twea idCM, a
an
you.
Joues4 Plus to maron psNpYr dhoclaed to W
PeY
.
War fiwdM krdoaU
ue .he
mes
A,nrout.
de Star dey of yaw
Thos?ygoe viS W an
NSiq pwbd oowrod by V our aw Periodic atatanmt erring
WNO RIGHTS SUMMARY
riod that N the main Jaumry, Apd, .kiyy and October.
ll5014 a O (awe
F (lit
e
h D IP
N
If
i
f (a, Cue Of Firom Or Orrrtiore About Your Dag
arp
u reed more
If You dirk your
"-
o rrinkmrn
aaod H the .
h
.
m
a
,
t
e nt
c.
LIBOR Repdoed Mond" appears on 1M hen of your
d ,
hbrma9m or a a kale wAa to u m a
=-
d-
oaaEla at the add- e
d
n
oon
den 01 your
bu
fl
t ose rata
surmnerK next so the aedode rateW Ile pe
ahirrp ANNUAL tr61CB)?ADE AATF9 rimy
Kd t sapsrste
e
M s
H p
MW sees slwvm on 4e front of this statement. We must
sec
a
naua wil be ?
wry Y ad my kwmer or decrease based m the
M lard In The VW SnMf Journat PAN
awed Ndoes how fees You no NIK than 80 d" Ys a1w we wt Yw the
IM bill Orvhkh the ens of present aapeated. You can
K.
bMervs the ,
the mink. pmAo dy dscloesd to Y=
= adona monber, but doing r vdS not
for sew pivan wM W sfeedw an the Lst by of
-;
,=- Your lean, rive the 11410 q
=.X
dean
and amour nmbr
the
sl. month.
4. Ass rrrt of Lets 0,~ and AWarW Przrw,t Fw. ,
amwt of to surapmtmd error, a desedptlon W to error
e daily You account will be assessed to mom than two ail tla feu and an nplaatlah, If Caries, ofvJmy Woo baSow them is
¢¢ ?eashh
dN pu6ss) Pled hue tat occur d air g any biq pod" Under to
teem of gar customer areanem, we reserve Ma doh[ to an area: err 1116 reed man ihlonmatlon, • description of
the hem Verb are ,rrsure about. You do not Nw to pay cry
t mss bent waive a not to aeseas arty N==n Sertian to
of dmWr
l
ri
ht t
M
k
but you
attamsK N wNa we ors Irwudpefnp it,
aro atlas ob kMd w PeY the CMS of gar bM tMt aro rot
sh day duke
rote to ewfi q our
g
o
mow wa
v
W
n e Ntsr flee. M grsagau. we a?yN Your qutrdam we Carrot
h
l
8
k
of aech 6. Your A..-& Of. ma n .,$* ilea e
e ary sa
on a ea
xt
raped yOub n dNnguent a ta
w K ydr this metered was eared ts Wu to
days firm the d
tie
0 odd I
avoid Pmykq the a or to hew such it erodted m yw i,t Spatial Rune For Credit Gd Fatlasss
to
aede if ou unod Your r amass. DwhV this Pend. You may
an
" rh?ea
dally WIIt having to pay the
ass your
a
account
bo or
H You law a prebem vdih to quality of propany
b gi
he ,e alprwrq
alams
tnh l
V
an
mem
hi
manbettlip tea. To raneM Your r account, You must
calling our Cstenar RW#d" Department
notif
us b use an
o Nn you w1N a modt use and you
h
a m
d k
n th
robl
m with ft
h
ri
r
the pmNar
trset a y
y
and pay your New Balwa In toil (aWCudrg the
y pedoLL
and
Nei
to
ribs of tw
dor
ma
b@ .w t
ow t
a
t h
oa
e p
e
mardhart, You easy how the tight not to pay the rrndning
n
!ill
t
N
Y
hav
d
ry
od
ot roe A
u n 1.
p
CI
=
dire
«aa
H Yaw CNaeY- Ai You u ash r
8 o pntPe
OF oa
re.
ou
e
ue an
amount
mN Sa Ypurya?es pbs Yqe awe Non
alance
daSy b
A
dWilanr
. Gae
Yet atraham by g pprr
was mash in Yaw home Rae a
960.00 and to
d
H you paid Ire our
,datroy Your asst
You
e
o
6 01 was own or
VON
M11114 Of Yar
t
a
ent a kd (or fl
eck
d
Acc
unt access
tseb, ereN 08 Pmauaedzed 1dMNq,
acmes acoss checks,' open h
It we MAW you
or It we MAW you the
apnea to aerelam
an0, now
Special and Cease Yna aemhra. you h r,a uraxt
pronrhedzed bPoirq amnp '"' Ns rM CaWhr M
3
6
Srhr
pe
inmp
.pplka
wW w
R
amw
th
Ra
sa
sa
balarhm
t
t
an
eW
d
atuMan
,
ss
a -"parent for to gopMy? Q esMOOa roe Pur r
ro eovarod wge,dau of eraser err bml/m of puWr.)
porches rlpheo am not added to to daily balances. we seriph of a large Your authorization 10 mops gar Pleas mmo bee to elan all cone'.. ",co.
cala4te the awrsga ca?ryy??Warm by Wring a• der daily
bolaroes ro0edher old dadrq to nun by the number of armaas. AddtbWlY, Your attars wN not M drM
user you pay as amounts you ova sea ecitlng: arty
t Does sot JOAN m aenaare! m cm& eard aceoW.
the doge In Na anent big ryco. To calculus Yrr tae
ukaroe aar0o. mltlply? Your awrps stagy balance by the
. =
M Ilanaactiore you have aWadzad, fksnoe 6rges, Pest
des fe", ow,"t I- mba ed PaYmaa ins, cash
z Obaa rot up0/y to buabmss AN--W cord xcoarra
dWy Cathode
n
y der monber of do" in the balling
two ma
be a
m ror
dn
a dail
basis
d
d D adwno@ Nos aM cry aMr fees assessed to your
You am mspwWM. for Mmes amends wiather
accarn
y
g on
De
o
ue
a
y
,
SWK wdaee between this ralo lWah and the own of
tl
a
s .
they appear an vow account at fie Mmeya+h rsgrm Wt to
case the acco re or the
am earrred ausao9ubobm a I at one wtrw.?a information PdvaCy PFOWCdM M our
www.caphdore.com.
wgs emr
y asmesae
M1horu:0
b. I1 tW Dods Z or N appesrt m de from of this swanem y
your mutest to don the account. This my msh In rtamd service mark of Capital
C40W One Is a federally reo?
All R WNW CAtporelian AM ft "s weaved 0 2003
naa to '8alanmor Rom Applied To: vm mmhlply rte
- .1 each -_ - - nnapes appaaNhp an gat arrant attar you hew
ced t aocav,• to W dosed a Ito ra?osr,a c/ QOW One OiLOLBAK
MportrK ae0es: Pa)enarm you In1W ts u war W CradaO ts yea a000uit as of to burakmna by was naive It, provided (1) you and tM bottom Potion of this emtrnent rd yaw clink
N the ermrlused raninrtce envelope and (2! Yaw pnymatt a rsplved h ,a+ Carter by 3 Paul. ET (12 nosh Pr). Plenm aStbw at Nut Sve 16) busker drys for paW damwrY
Payment halved by us K airy erne loeatlan a In airy othw lam may rte Bea eledteA n d 1M by ws naive tMln. Om bskaw data an MaWY MrakOt SKUdaY, eoskdrq aaFaaYs.
Pena ao sea use .upln paper WCs sec. elan PnPadq )cur P?? 1bMtrh you mwd us m nackW y'w mu8hodn ua 1o males m ahrWnte eNelraie vrrM hNt ltan Yaw brit
,moon Nr Ma mnhoux of Me Hack 4Na atrtlad:aMan aPpM 1st ntnived duhq 1M +diq t:Yde .wn n cam by Oanaams d4.. n we cmmgt )xmees tM lrwrer, you autlsd:.
us m make a Erg. agdrat your Wok aooourt u.kq the deck, a Paper Mfi a Oder ran.
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to
unworn falsification to authorities, he is an attorney for the Plaintiff herein; makes this Verification based
upon the facts as supplied to him by the Plaintiff and/or its agents and because the Plaintiff is outside the
jurisdiction of the court and the Plaintiff's Verification cannot be obtained within the time allowed for
filing of this Amended Complaint, and that the facts set forth in the foregoing Amended Complaint are
true and correct to the best of his knowledge, information and belief.
Patrick Thomas Woodman, Esquire
PA l.D.#34507
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#6143806
CERTIFICATE OF SERVICE
A true and correct copy of Plaintiff's Amended Complaint has been served by U.S. Mail, on the
o. u day of Orr*tAkf , 200 & upon the following:
Grace D'Alo, Esquire
MidPenn Legal Services
401 East Louther Street
Carlisle, PA 17013
CERTIFICATE OF SERVICE
A true and correct copy of Plaintiff's Amended Complaint has been served by U.S. Mail, on the
Font day of C>. +f , 200 & upon the following:
Grace D'Alo, Esquire
MidPenn Legal Services
401 East Louther Street
Carlisle, PA 17013
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